Completing a Long-Distance Move: How to Get Organized

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A long-distance move is typically more stressful to handle compared to any other time you need to move home. Not only do you have to pack and move all your stuff, but you’re also going hundreds or maybe even thousands of miles away. Trying to get everything organized when your final destination is so far away is often extremely difficult. It’s harder to get everything sorted out on the other end because you can’t just make a quick trip there. But you can start to organize yourself so that your move goes more smoothly. Here’s what you need to do to get yourself in order.

Put a Binder Together

A binder of all of the information that you need for your move can be really helpful if you’re trying to get organized. You can have various papers, contracts, and receipts to keep track of, and sometimes you need to find them quickly. And if your long-distance move is an international one, you’ll need to make sure you have any visa or customs paperwork available too. Put everything you need in one place, including things like moving checklists, important phone numbers, and things you might need after your move, such as medical records.

Plan Your Trip

You will need to plan your journey to get to your new home, including how you’ll be getting there and whether you will be traveling with your possessions. You might decide to hire a moving truck and drive all of your things to your new home. Perhaps you’ll hire movers to move your stuff while you drive or fly to your destination. Choosing a date and organizing exactly how your move is going to take place will ensure you’ve created a solid plan. Don’t leave it too late to start making concrete plans for your move.

Arrange Your Movers

Booking your movers is definitely something that you don’t want to leave too late. You need to make sure you can find the right company at the right price, and that they’re available for your desired date. You will probably want to look for movers that specialize in cross country moving so that they will offer the services and experience that you require. When you’re looking for the right company, check that they are fully insured and will protect your possessions. Some companies might also offer useful storage options, which can be helpful when you need to go ahead of or behind your things.

Separate Your Stuff

Moving long-distance can give you a good chance to clean out your home. Rather than move everything you have, including all the junk you should have got rid of a long time ago, you can be more selective about what comes to your new home. Decide what you want to throw out, what to recycle, what to donate, and what to sell. You might also want to put some things in storage if you don’t need them right away or don’t know what to do with them yet.

Moving long-distance might be stressful but if you start to get organized early, you can make it easier.

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How to Grow Your Finances

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Managing your money wisely is something that you need to do if you are going to be financially comfortable. Being financially comfortable should be your goal no matter what kind of job you are in or which stage of your career you currently find yourself in.

However, with all of the expenses coming your way, if you are like most people you probably find it difficult to make a budget and stick with it.

This is where wise financial thinking comes into play. Here are some tips that will help you organize your finances and budget wisely.

Craft a Plan

You’ve probably heard the saying that if you fail to plan you plan to fail. Nowhere is this saying more true than with your finances. One of the first things you must do to make your journey towards financial freedom a success is to make a plan for your finances.

You need to sit down and consider your goals. If there are goals you want to achieve in the next few months or even a few years you should start making some kind of budget and strategizing how you are going to achieve your goal. For example, you may have a goal to buy a house or start a business.

Make a Sufficient Emergency Fund

If you want to ensure that you protect your assets, an emergency fund is one of the best ways to do this.

Setting aside an emergency fund means that you will not have to depend on your other finances or even use credit cards for unexpected expenses.

Your emergency fund should contain at least 3 to 6 months of salary. This should tide you over should you lose your job or have an expensive emergency. This can go a long way in helping to prevent bankruptcy, although there are skilled bankruptcy lawyers that can help you through.

Turn Short-Term Goals Into Long-Term Solutions

If you have a long-term goal that you want to work towards then the best thing you can do is to start making short-term saving plans. It may sound like this defeats the purpose but it doesn’t.

Breaking up large financial goals into smaller bite-sized pieces is the best way to ensure that you reach your goals. For example, if you want to save up money and budget for your vacation at the end of the year you may want to save a certain amount every three months.

Reaching your target every three months until you finally have all the money you need will be a great motivator for you. You can use this formula to save for other goals you may have in the future.

Start Taking Care of Your Finances

Taking care of your finances should always be a priority for you. If you have been having difficulty planning for your finances then the tips given here should be very useful.

Make sure that you decide on your vision for your future. Once you know what you want to achieve it will be easier for you to budget.

Also, make sure that you have emergency funds in place so that you do not have to use credit or your main savings for emergencies. Finally, remember to break up larger goals into smaller ones to help you stay motivated.

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Top Tips For People Who Hate Fitness & Healthy Eating

Whether we like it or not, we live in a world that is becoming more and more saturated with fitness and good eating. You can’t even walk down the street without being barraged by billboards advertising the latest celebrity fitness plan or DVD, our social media timelines are full of people pushing various shakes and pills and plans to make us healthy, and bloggers are giving diet tips and advice. If you are a bit of a gym junkie and enjoy nothing more than pounding on the treadmill at Fitness 19 and gulping down on that superfood smoothie, it’s alright. But for many others, it is all a bit monotonous. Sometimes it feels like if you don’t go in for it big time, you may as well not bother. If this sounds like you, worry not because we have some recommendations to assist you to get fit and healthy without it taking over your existence!

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Incorporate it into your regular regimen.

Instead of making exercise and staying healthy simply another item to add to your already lengthy daily to-do list, make it part of your day to day routine. You may want to spend your important time off with your friends and family or do something exciting like going to restaurants or going traveling. Don’t worry though – with a bit of imagination, you can fit it all in and not have to drop anything. On average, we should all be striving to perform roughly 30 minutes of exercise every day. Think about your routine. Can you get off the bus a couple of stops early and walk the rest of the way to the office, or park at a place as far away from the grocery as possible? All these tiny things really pile up.

Don’t deny yourself treats.

The worst thing you can do is to deprive yourself of any goodies totally. Going ‘cold turkey’ just does not work. Food is not ‘bad’ or ‘good’ – in moderation, pretty about anything is fine. If you give up the foods that you like and vilify them, you’re more likely to want them and end up gorging on them. Once you become trapped in that loop, it is challenging to get out of it. One slice of cake every so often is not going to make a difference in weight reduction, so if you want it, go for it! You might also look at healthier alternatives to your favorites. If you adore chocolate cake, why not look at recipes that sweeten them using beets or courgettes rather than sugar? If milky lattes are your thing, switch the full-fat milk with skim milk. Small tweaks here and there may make the largest of effects.

Don’t push yourself too much.

It’s acceptable to do only what you can do. No one is expecting you to get up and immediately start jogging 10km. No one is expecting you to join a gym and go there day after day – in fact, it’s probably not a good idea to do this until you’ve had a full introduction since you may wind up hurt. Getting healthy is a journey, not a sprint, and it is best to begin gently and gradually increase your activity level.

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Are Your Family’s Finances Safe for the Long-Run?

While catch phrases like “YOLO” and “seize the day” may be appropriate in certain situations, it’s always better to evoke a sense of caution when it comes to your money. Making preparations in advance may be really advantageous, particularly if you have a spouse or children. Here are some methods you may use to ensure your financial security in the future.

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Take charge of your finances now.
You may not find budgeting exciting, yet it can have a huge impact on your financial circumstances. In the event that you’ve found yourself counting down the days till your next paycheck, now is the time to take charge of your finances. Many of us overspend because we don’t regularly review our bank accounts or look at our spending patterns. Making and adhering to a budget might help you avoid unpleasant shocks and start saving for the future. As soon as you’ve jotted down the amount of money that comes into your account, make a list of every regular outbound payment, such as your rent or mortgage payment, home expenses, and groceries. Then add one-time expenses for the month ahead, like a weekend away. You can figure out how much money you have to spend by comparing your expenses to your income. If you have any extra money, you may put it in a savings account and use it as a rainy day fund, an investment, or a special treat like a vacation. Sometimes spending means taking out loans to help with larger expenditures. Take the time to compare credit before committing to something because you could end up in serious debt.

Invest in insurance to safeguard your valuables.
The protection of your family and your possessions is essential for anybody who has a family, owns a company, or is a homeowner. Having a will and purchasing insurance are two ways to do this. With no will in place, you should seek the guidance of an expert attorney in wills, trusts, and probate. The beneficiaries of your estate will be protected if you die. A death benefit from life insurance might be reassuring if you have a property or dependent children to consider. Making these types of arrangements is never pleasant, but it is useful to be prepared for any eventuality. You can save both time & expense by using online insurance comparison services when you’re looking for a policy.

Invest in yourself
If you’re wanting to increase your savings balances or build a retirement fund, it’s a good idea to look into prospective options to grow your money. Investing in real estate or stocks and shares, for example, is an option. Be sure to obtain advice from experts and assess the dangers before making a big investment. If you’re considering purchasing a rental property, do your homework on the area, select your ideal buyer or renter, and establish a budget that won’t put you in a tight spot financially.

There’s no way to predict what the future may bring, which is why it’s beneficial to plan ahead and handle your money properly.

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Get a good and honest contractor.

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About two weeks ago, we had some minor repairs done in our home. Leaky faucets, broken lights, busted pipes, and some minor fixes that took too long to be taken care of. These days, it is very hard to find an honest and professional custom house contractor. You can find one, yes, but it really is a risk because there are good ones and there are really bad ones.

This reminds me of my friend’s experience when they had their old house taken down to make way for a new condominium-type of house consisting of five floors. My friend, her parents, and her siblings planned the house construction for several months. They made sure to get a good architect (and they did), account every possible cost they would spend (they barely managed), and to get a rental just in front of their house to make sure that they could monitor the construction properly (they were able to). They made a list of contractors and chose the one who was a friend of her sister. They thought that getting someone they know would be an advantage, someone who would not cheat them or do a mediocre work. Well, they thought wrong.

The contractor did build their five-storey house. Each floor looked like a tiny condominium unit. The ground floor included a laundry area and a dirty kitchen. The fifth floor became their roof deck. The façade of the house was really aesthetically pleasing enough to get the attention of their neighbors who asked them about their contractor. A few days after they moved into their new house, the problems started surfacing one after another. Most of those problems were minor fixes. What made their heads ache was the plumbing. The thing that they didn’t think of was the one problem that cost them over their budget.

The pipes used were substandard. There were odd sounds coming from the pipes, the drains were sluggish, and the water pressure was low. They asked the contractor about it and he said that he made do with what was left of the budget. That was his reason. He did not consult with the family to tell them the shortage in budget. The minor problems like paint, alignment of windows, and some other stuff were okay with the family. It was fixed easily by my friend’s husband and brothers-in-law. But the plumbing…

In the end, they got a new professional to re-do their plumbing. They shelled out quite a sum just to ensure that they would not encounter any problem in the future. True to the professional’s word, the plumbing was fixed and there were no issues even years later.

Get a good, honest, professional contractor. Make sure that there is a signed agreement so when there are issues in the future, you have something to show and use to enforce compliance.

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Your Guide On How To Prepare For Retirement

As you approach retirement, it’s important to start thinking about how you will support yourself financially. While some people are lucky enough to have a pension or other retirement savings, others may need to rely on Social Security benefits or part-time work.

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You can do a few things to prepare for retirement, whether you’re just starting to save or you’re close to retirement age.

Here Are A Few Tips:

Start saving early
The earlier you start saving for retirement, the more time your money has to grow. So if you start saving in your 20s or 30s and consider annuity buyers, you’ll be able to take advantage of compound interest and potentially retire with a much larger nest egg than if you wait until later in life.

Save regularly
Try to make saving for retirement a habit by setting up automatic transfers from your paycheck into a retirement account. The more you can save on a regular basis, the better off you’ll be.

Invest wisely
When it comes to investing for retirement, it’s important to strike a balance between growth and stability. You don’t want to take too much risk with your investments, but you also don’t want to miss out on potential gains by being too conservative. So again, a financial advisor can help you come up with an investment strategy that’s right for you.

Think about when you want to retire
Do you want to retire as soon as possible, or do you want to keep working? If you’re hoping to retire early, you’ll need to make sure you have enough saved up to cover your costs. On the other hand, if you’re okay with working longer, you may be able to save less and still have a comfortable retirement.

Plan for healthcare costs
Healthcare expenses can take a big chunk out of your retirement savings, so it’s important to plan for them. If Medicare covers you, research what your costs will be and consider buying supplemental insurance to help cover any gaps.

Prepare for longevity
People are living longer these days, which means you may need your retirement savings to last 20 years or more. So make sure you have enough saved so that you don’t outlive your nest egg.

Consider downsizing
One way to free up some extra cash in retirement is to downsize your home. For example, if you have a large home with a lot of upkeep, selling it and moving to a smaller place can help you save money on things like property taxes, utilities, and maintenance costs.

Think about part-time work
Retirement doesn’t mean quitting work entirely for some people. However, if you’re healthy and enjoy working, you may want to consider transitioning to part-time work in retirement. This can help you supplement your income and keep your mind active.

Create a budget
Once you retire, it’s important to create a budget and stick to it. This will help you make the most of your retirement savings and avoid overspending.

Talk to a financial advisor
Retirement planning can be complex, so talking to a financial advisor is good. They can help you assess your retirement savings and make recommendations on how to best use them.

With some careful planning, you can ensure that you have a comfortable and enjoyable retirement. By following these tips, you’ll be on your way to a bright future.

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The Quick Releases For Tension

Have you ever been standing in the kitchen and thought, ‘my back feels really tight’? Or perhaps you have been working at the computer and felt an ache in the side of your face? Only to realize that you are tensing your jaw.

We hold on to tension in so many different ways that often we don’t notice it building up.

If you often let your tension build up, getting tension headaches, tight muscles, and jaw aches, then it is time to tackle that tension.

There has been more availability and accessibility of information, techniques, and wellness content in the last few years. It is possible to create a tension-releasing plan for yourself with all of the extra information.

Creating a list of things that you can do to lower your stress levels will mean that you are less likely to turn to unhealthy methods of tension and stress control—things such as becoming isolated, stopping communications with others, and turning to alcohol or drugs. If you recognize those behaviors, it is important that you consider alcohol rehab and honesty with yourself.

So what can you do to create a tension-releasing plan than can help reduce your stress and free your mind from worries?

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Walking

If you want to clear your mind quickly, then going for a walk is one of the best ways to start that process. It usually doesn’t happen when you have a goal, like picking up the children from school or getting milk.

But if you go walking with only the intention to walk, you will soon notice that you aren’t thinking about anything.

If you can walk somewhere green, that will work even better, so try to head somewhere like a park.

Tense up

If you can’t pinpoint where you are feeling tense in your body, but you just know that you are having trouble relaxing, this is a great thing to do.

Starting with your hands and feet, tense all of the muscles in your body up, hold that for between 3 and five seconds, and then release it.

One of the best things about this type of tension release is that you can do it anywhere. At your desk at work, in bed, or just in the middle of your day.

You can do it multiple times to get the ‘ahhhhh’ feeling when the tension leaves your body.

Comedy

If you are a social person, then invite one of your friends to an open mic comedy night and laugh the night away. Laughing is one of the best tension releases that we have available to us.

For those who are less social and prefer to belly-laugh and let it all out at home, check out some of your favorite comedians on Netflix or YouTube. Find something that makes you laugh all the time and let yourself indulge in it for a while.

Aside from releasing the tension, laughing will flood you with those happy, feel-good hormones that naturally help reduce tension.

Music

The music we listen to can influence our mood a lot. And one of the side effects of great music is singing it out and moving your body. Dancing around too fast music, singing to ballads – all of these things help to reduce tension.

If body tension and mental tension prevent you from getting a good night’s rest, then checking out music designed to help us sleep can work wonders.

Breathing

There are several breathing techniques that can help bring us into the moment and reduce worries and body tension.

One of the most commonly recommended and used is something called box breathing.

The box breathing technique can also be called square breathing. It is good to ground yourself a little by placing your feet firmly on the floor and sitting comfortably.

Breath as you normally do for a short time, and just relax. Try to pay attention to how your body moves when you breathe – is it just your chest or your belly and chest?

If you only notice your chest moving, you are only shallow breathing. Take a bigger breath and notice how it expands your chest and stomach.

Once you begin to see the deeper breathing and the belly moving as you breathe, here is the process:

  • Breathe in counting to four, but do it slowly
  • Hold your breath for 4 seconds
  • Exhale slowly for 4 seconds

Repeat these steps until you feel notably calmer and less tense.

There are many ways to help reduce your tension levels so that they are manageable.

It might be time to change some other things in your life, too: How To Change Your Life.

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