Save for Emergencies
A good rule of thumb is to have a minimum of six months of salary available in your savings account. While this goal will take time to achieve, it is important to strive for it so you’re prepared for most unexpected emergencies. Are these tips working for you? Please leave us a comment below and…
Automate Your Savings
Automate your savings. This is a trick many financially savvy people know about. Before you spend a single cent — put away at least 10 percent of your income into a savings account. If you can, put all bonuses (or any expected income) into this account too. Name it something fun like “Round the world…
Why YOU Should You Be Shopping At Luther Sales Garage Sale
You already know Luther Sales is your buy now, pay later solution for brand name furniture and appliances at low budget friendly payments. But do you know about our Luther Sales Garage Sale? What’s So Special About Our Garage Sale? Luther Sales Garage Sale offers luxury packages BRAND NEW at warehouse prices. These items are limited in supply and…
Turn Your Home Into An Autumn Retreat With These Simple Tips
Most folks get excited around this time. Mornings on the beach are traded in for nights cuddled on the couch. Scents are rich and warm, and colors are deep and earthy. It’s nice to indulge in fall-themed everything because it’s gone as quickly as it came, moving aside for the colder winter months. On the calendar, you have…
Think About The Outcome
The fastest way to move forward is not to focus on a to-do list of rational steps to move forward but instead to clarify in detail the outcome that you want. When that same outcome is kept top of mind for a sustained period of time, your attitude shifts. When you apply this consistently over…
Create A Mental Picture
Develop a single exciting mental picture of where you want to be in five years, “Each day as you pull out of your driveway on the way to work think about that image.” Maybe this sounds a little silly, but visualization is an effective motivational technique. It might feel like you’re just daydreaming, but you’re…
Things You Can Do To Help With Insomnia
For those living with an insomnia, bedtime can be a living nightmare for a mind that won’t turn off. Sleep deprivation causes not only serious health issues, but problems at work due to low productivity and mistakes caused by fatigue. Over-the-counter medications can be helpful for a few days but the problem with medication is that its effectiveness is short term…
No Spending One Day A Week
No spending one day a week. This can be played creatively like a game! If you have a transport pass, food in the fridge, coffee in the cupboard and wifi at home — you are set. A walk outside, making lunch for your partner and Skyping a friend are all free and fun!
Is Your Bedroom Affecting How You Sleep?
Did you know a great night’s sleep can depend on the comfort of your bedroom environment? Sleep can be affected by all five of your senses. Can you guess which affects your sleep the greatest? Although everyone is different, according to the National Sleep Foundation poll: 93% of Americans rated a comfortable mattress, and 91% rated comfortable pillows…
The Truth About Melatonin
According to the National Sleep Foundation, the pattern of waking during the day when it is light and sleeping at night when it is dark is a natural part of human life. Only recently have scientists begun to understand the alternating cycle of sleep and waking, and how it is related to daylight and darkness. A…
