July 6th, 2017
Let’s go back to around March or April and think about your fitness goals. Was it something along the lines of “ the ultimate beach body by summer?” If that has yet to be obtained, then there is still time to kick it into high gear at the gym and start eating a healthy diet. If your reading this blog, then chances are the reason you haven’t obtain your fitness goal is due to lack of motivation. I mean let’s face it, working your butt off at the gym and then going home to eat a salad and downing a protein shake isn’t the most exciting routine to start. To help you get in the gym and start eating right, here are some tips to help with motivation.
1. Get some new workout clothes
Ever experience that feeling of no longer dreading the next day of work because you have some new threads to show off to your co-workers? It works the same for when getting new gym clothes. Make going to the gym a fashion show. Purchase some workout clothes you feel confident in and you’ll be itching to go to the gym to show them off.
2. Recruit a fitness buddy
Misery loves company ;). We kid, but having a partner in crime to knock out the weights does make it a lot more enjoyable. Turn working out into your new weekly get together with your closest friends and you’ll start looking forward to hitting the gym.
3. Sign-up for group fitness classes
It’s not all about boring work out routines and the monotonous jog around the track. Sign up for a swim class, a dance class, a spin cycle class, or any other class that gets your blood pumping.
4. Put your money where your motivation is
We have found a way for you to actually get paid for working out, or charged for not working out. The app Pact makes you accountable by tying your bank account in with your workout success. Make a weekly pact to exercise more or eat healthier. Set what you’ll pay other Pact members if you don’t reach it and if you don’t they get paid. It works the same for you though, so if another member doesn’t meet their goal you get paid.
5. Reward yourself
If you work hard then you deserve a reward. Set goals and if you meet those goals reward yourself. Say you lose 5 pounds in a week’s time; you get a new pair of shoes. Reached a new bench press max? You get a beer (light beer). When your working for small rewards then you’ll have more motivation to make it through the week.
6. Track your success
There is nothing like success to boost your motivation. Make sure and keep track of where you start and the progress you’re making along the way. There are tons of apps and programs, like Weight Watchers, that help you track your progress so you know how far you’ve come in your fitness journey. Take pictures as well so you can visually see your progress.
7. Let the world know of your progress
All your friends are doing it so why not join in? Take what they call “gym selfies” and pictures of the healthy meals you prepare and share on social media. Getting praise for a “progress pic” is a pretty good feeling. It may sound a little vain, but hey, it sure will get you motivated.
8. Create a workout playlist
Does the right music get you in the mood for throwing around weights and sprinting around a track? Make yourself a playlist of music you like that’s also up beat and only allow yourself to listen to it at the gym. Pandora has some great pre-made workout stations that you can also take advantage of.
9. Splurge on a personal trainer twice a month
If a fitness crazed trainer yelling at you won’t get you motivated to push through that workout then nothing will. Make an appointment twice a month to work with a personal trainer as a way to mix things up and ensure you get a seriously good workout. You can even get some friends to join and do a group session.
10. Get creative with your workouts and diet
It’s not just about salads and the treadmill. Make eating healthy enjoyable by trying unique, yet health conscious recipes. Working out doesn’t have to be the same old gym workout you do every time. Take a hike one day or do some indoor rock climbing. Switching things up and making them more exciting will make getting into shape something you enjoy and you’ll be motivated to keep it up.
June 8th, 2017
It’s all in your head! Being financially frugal with your money and putting some away to save is all about psychology. You’ve got to mentally commit before you’re ever going to be able to see the numbers increase. Here are some pretty simple ways to trick yourself into building that savings account.
Get More Tax Refund with Payroll Deductions
We know – manually removing money from your checking account and putting it into savings can be painful. Even having money be automatically taken out every month hurts because you still see that money leaving. Out of sight, out of mind. That’s the moto you need to focus on and the best way to do this is to claim fewer exemptions on your W-4 so extra cash is withheld from your paycheck. When tax season comes around you will get all that extra money back through a refund. You never had to see the amount actually leave your account the whole year so you won’t even notice it’s not there.
Remove Credit Card Numbers from Online Shopping Sites
One of the best moves from online retailers was adding the feature to save your credit card information for easy checkout. I mean think about it. The extra steps at the end of checking out can actually make you not even want to make a purchase on something you don’t even need. By removing all of your cards from all your favorite stores will force you to take that extra step of checking out when shopping online, which in turn, is deter you away from even making the purchase, hopefully. If you are an online shopping addict, you’ll be shocked at how much you can save by taking away the convenience factor.
Make Yourself Think You’re Broke
When your checking account is overflowing with cash it’s easy to spend money like you’re a celebrity. Easy way to fix this- make it look like you’re broke. Figure out the base amount you’ll need to survive and put the rest in a separate checking account that’s not connected to a card. Just the fact that looking at your main checking account and seeing a low number will be enough to put you on guard to think twice about every purchase. And if it gets to the wire, you can always transfer some back. But make sure it’s just enough to get you through. Once payday comes back around transfer whatever is left in the second checking account into savings.
Transform Your Routine
Change things up and make expensive routine things in your life either be scarcer or completely disappear. Take smoking for instance. Cut back or completely quit. Not only will it be a lot healthier, but you will also save a lot. Do you have a routine of eating out with friends multiple times a week? Try making a new tradition of eating dinner at each others house and everyone brings a dish. This one definitely takes creativity, but if you can find ways to switch out expensive routines for cheaper ones then you will be one your way to saving some green.
May 18th, 2017
Love it or hate it, Walmart is one of the largest super markets in the U.S. and their competitively low prices are what draws so many people to the retail giant. It’s no secret that you can save a substantial amount of money by choosing to shop at Walmart over stores like target, but did you know there are even more ways to save. Below you will find some of the secrets to rolling down those prices even more.
1. Utilize the Price Matching Policy
Part of Walmart’s lowest price guarantee is their promise to price match any of their competitors prices. This means if another retailer has an item for a cheaper price, you can bring in the advertisement or a screenshot of the deal online and they will match the price.
This also goes for their own website. If a product is listed for a lower price on Walmart.com than in the store, they will honor the price listed online.
2. Use a Gift Card for Gas
The Walmart Gas Gift Card is a sure fire way to save on gas. Get a discount on gas at any Murphy’s USA Gas station when you pay with a Walmart Gas Gift Card. You can add any amount from $10 – $1,000 to the card. The amount you can save per gallon changes throughout the year, but right now you can save 3 cents per gallon when using the card.
3. Hold Out for the Last Mark Down
If you want to know when an item has been marked down to its lowest amount, you got to look at the last digit in the price. Yep, Walmart uses a numbers code that distinguishes what level of clearance an item is. Items with prices ending in 7 are the original price. Items with prices ending in 5 are the first markdown, and Items with prices ending in 1 are the final markdown. So if an item is still fully stocked and it’s priced at 5.95, hold off a couple of days and the price will drop even more.
4. Download the App
Another easy way to utilize even more savings at Walmart, is using their app. The app lets you create shopping lists, check in-store and online prices and availability, look at the weekly ad and more. On of the best features is the Savings Catcher. You simply scan your receipt using the app and it will compare prices at local stores, including current advertised sale prices. If there is a lower price at another store, Walmart will credit you the difference on a gift card.
5. Get a Free $10 Gift Card
MyPoints.com is a site that pays you to print coupons and shop online. Right now they are running a deal where if you spend $20 at Walmart they will send you a $10 gift card. It’s extremely easy. All you have to do is Sign up for MyPoints, follow the directions on how to use the site, and spend $20 on Walmart.com. And that’s It!
April 14th, 2017
Anyone who has ever dyed Easter eggs knows that it can be a messy activity, especially with young children. A new technique that has become the popular trend this year is fabric dyed eggs. This technique is not only super easy and mess free, but it also produces beautiful and unique Easter eggs. Keep scrolling and you will get our step by step guide on how to dye eggs using a men’s tie.
Supplies needed to dye the eggs using fabric are an unboiled egg, scissors, an old white t-shirt, paper clip or string, a pot with lid to boil the eggs, a 100% silk tie, and 1/4 cup of vinegar.
Step 1: Cut Up Tie
First thing to do is cut the tie so there is enough fabric to wrap around the egg. Make sure to loosen all thread so the fabric spreads out as shown below. It is important that your tie is 100% silk or the dye will not transfer over to the egg. We found our tie at Goodwill for $1.50.
Step 2: Cut Out Shirt
Next you need to cut out a circle in the white t-shirt. Make sure to cut a circle large enough that you can completely cover the egg. You can actually use any thin fabric for this like an old sheet or pillow case. When choosing a fabric make sure it is completely white.
Step 3: Wrap Eggs in Fabric
Now you need to wrap the tie fabric around the eggs. Make sure the front side of the tie, the side that shows, is on the inside so more ink will bleed onto the egg. Using either a paper clip or string, tie the top so its tight around the egg. Next, take the t-shirt cut out and wrap around the egg the same.
Step 4: Boil Egg
Place egg in a pot and make sure the water completely covers the egg. Add in 1/4 a cup of white vinegar and let boil for 20 minutes. Make sure to cover the pot when boiling.
Step 5: Let Cool and Unwrap
After 20 minutes of boiling, take out the eggs and let cool on a towel for 10-15 minutes. Carefully unwrap eggs and see your beautiful creation. And thats it! super easy and fast with hardly any clean up.
April 13th, 2017
DEAL FINDER ALERT!!!! Right now you can get 49% off an oil change from Valvoline. This deal is being offered on Groupon.com and is a limited time offer, so make sure and purchase this coupon quick before it runs out.
Click Here to get this deal.
March 8th, 2017
It’s almost St. Patricks day and one of the best ways to celebrate with the kids are some fun and easy crafts. Here are some where all you’ll need are paper plates, construction paper, scissors, glue, and some paint to do any of these super easy St. Patricks Day crafts. So gather up the kids and start crafting together!
We offer products similar to a Payday loans, loans, flex loans, title loans, and installment loans, at Advance Financial. If you need cash fast we got you covered. We offer flexibility with our Flex Loan.
February 22nd, 2017
Self control. It can be one of the hardest rules to abide by when it comes to your purchasing behavior, but also the key to saving money and being better off financially. At a time when a newer version of a product is introduced on a constant basis, this can definitely be a difficult task to undertake. Marketers are working their magic to make you feel like you need the best of the best and the newest version of everything. But really, you don’t. You don’t have to have the newest version, the best version, or the most enhanced version of anything. Practicality is key, and we have created a list of the top items where the most expensive and best version is not always necessary.
Face it. That thin, electric box we all carry around has become the one item that many of us can’t live without. This of course is going to make it harder to resist a flashy new version of what you already have. In a lot of cases, the new version isn’t really all that new. Take the IPhone 7 for example. The difference from the 6 and 7 really came down to a slightly better camera. Being practical in the case of a smart phone is being happy with what you have and resisting the urge to do an expensive upgrade every time a newer version comes out. If your current phone serves its purpose, then the practical thing to do would not be getting a new one. Stay happy with what you have and try to make it to the 2-year mark before upgrading to a newer version.
There is one question that you need to ask yourself when purchasing a vehicle. What is going to be the purpose of this purchase? Do you run a handyman business and need to haul equipment to jobs? Is it to transport your kids to the many practices and school events they are involved in? Looking at a vehicle as a means of transportation is the practical way to buy one. Getting a brand new, expensive truck with all the bells and whistles yet never intending to actually use it to haul anything is probably not spending your money wisely. Of course, everyone has his or her personal preference when it comes to the size of a vehicle, but a vehicle is a major expense that can put you in a mound of debt. No matter which way you breakdown buying a vehicle, it is simply something to transport you from A to B. So save yourself a lot of money, and buy a vehicle, not a prized toy. It’s the practical thing to do.
Here is a little secret about most appliance brands. The exact same companies that manufacture the expensive brands usually manufacture the “off” brands as well. That means the warranties are usually just as good as well, so there really is nothing to fear with the cheaper options. You may not get the little extra add-ons that come with some of the more expensive fridges, stoves, and dishwashers, but remember the key word for this article – practical. Do you really need a fridge with an LCD screen that shows a slideshow of family pictures? The answer is no.
Unless you’ve been living under a rock, its pretty oblivious that streaming services like Netflix have been all the rage the last couple of years. So much so that a lot of people are ditching cable because of it. But if you really think about it, most of us don’t even watch the majority of the channels with cable or satellite. Instead of paying 100+ a month, switch over to a streaming service like Sling TV. The basic Sling TV package will allow you to stream roughly 20 channels, including ESPN, TBS and TNT, for a flat $20 a month. What’s even better is you get to choose the channels you want.
Let us preface this with saying that there are some brands you are going to be completely loyal to and can’t live without- JIF Peanut Butter for example. But for the majority of the groceries you buy, it’s a lot more practical and easier on your wallet to get the off brand products. Brands like Great Value from Wal-Mart, or Kroger Brand usually have all the same options, while tasting almost the same. And just like appliances, a lot of the “off” brands are actually manufactured by the exact same companies, so you’re not compromising on quality.
January 23rd, 2017
How does a quick get away to the Great Smokey Mountains and staying in a mountain lodge for $33 a night sound? Right now Groupon.com is offering rooms at a Gatlinburg Mountain Lodge starting at only $33.
CLICK HERE to get this deal!