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Financial Lifestyle Hacks To Achieve Financial Freedom

We all want to live financially better and more comfortable. Considering we spend basically a third of our waking day devoted to earning an income to support our lifestyle and family, then you might want to consider getting your financial health to the best possible state. It would be a shame to look at your life in a few years watching your pay packet disappear and not knowing what you could have spent it on and having nothing significant to show for it.

Here are some helpful financial lifestyle tips to improve your financial health.

1. Save your change.

You would be surprised as to how much you can save up in a year. Let's say you save $2 per day in coins, in a year that would be $730. What you do is get into a habit of paying everything with notes. When you get the change set it aside each night and not touch it. You will amaze yourself what you can amass each month and how easy this saving plan is. When you have saved enough why not use it to reward yourself or your family. You could even put it towards a vacation.

2. Stop overspending your earnings.

The reason people are in so much financial hardship is that each time they get their annual raise they miraculously increase their lifestyle and spending to match the increase in salary. You will never improve your financial health if you keep spending. So the next time you get a raise or bonus, instead of spending it either increase your automatic savings plan or deposit it directly into a savings account.

3. Pay off your debt.

You can't possibly improve your financial health if you are loaded with debt. You need to write your current debts down on paper, work out what the minimum monthly payments are and use that to work out how many months it will take to pay off each debt. Now look at this sheet and choose to start paying off the one with the lowest balance of first as quickly as possible. Some financial commentators suggest paying off the highest interest debt off first but by paying off the smallest debt balance of quicker, not only have you got one less creditor to worry about but it will also give you a victory that will encourage you to keep on with the plan. Remember to cut up your credit cards when you finish paying off your debts; you would be financially better off paying with cash in the long run for purchases. During this debt repayment period put your card in the freezer, that way you aren't increasing the debt burden but you still have access to your cards for emergencies.

4. Negotiate better rates on your credit cards.

Your credit card is probably the biggest burden to your financial health. Not only is it tempting with the ease at which you have access to credit but its convenient. If you have multiple credit cards, you need to consider transferring the balances to one and cutting up the rest. Get rid of your store cards as the interest they charge is ridiculously high. The next step to getting your credit cards in order is to just call your credit card provider and ask them for a reduction in the interest rate. You will be surprised at how accommodating they are especially if you are suggesting that another credit provider is offering you a better rate.

5. Start a savings plan.

Once we have the debt under control and our spending in check, you need to start a savings plan. The simplest savings plan is just to open up an account that provides you with a higher interest rate than an ordinary everyday account. What you can do is then setup up an automatic direct debit system on it to take out regular amounts directly out of your paycheck. You then force yourself to live off whatever remains on your everyday account balance for bills and living expenses. After a while, you won't even notice the money that is taken out for your savings. You don't miss what you don't see. This is a great way to save up for your future financial health, and when the account gets large, enough you can think about putting it towards any number of investment vehicles like an investment property, shares or something similar. Just be sure to get professional financial advice before making any big decisions.

The Most Unlikely Popstar.

I say she was the most unlikely pop star not because she lacks the talent because she undoubtedly has enormous talent but she herself says, she doesn't look like a pop star, I'm talking about Meghan Trainor. At the moment, she has had hit after hit and her biggest one was the first release that she couldn't sell to any music producing company. By the way, for a better understanding and insider information about music and related industry, take a look at the great site

Now back to our story. Trainor spent four months trying to sell All About That Bass all over the music industry and finally gave up, so she sang it herself.

Meghan has been in the music industry since she was six, she plays guitar, ukelele, piano, keyboard and trumpet. She is also an accomplished singer and songwriter. A lot of people don't also realize that she is her own record producer and that means she is a very good one. All About That Bass was the first single she produced simply because she couldn't find anyone else to do it for her. She started her singing career with a band that consisted of her family members when she was 11. She was a member of that band for a couple of years. The band called Island Fusion and was considered an all-purpose party band, mostly doing covers and her compositions.

All About That Bass was the first single off her album Title in 2015 and debuted at number one on the Billboard 200 in the USA. This album sold over 1 million copies in the US. Trainor's music is generally considered or called retro style. A lot of her lyrics and her themes are about modern womanâs interests, especially body image and empowerment. Meghan knows that she confuses feminists hugely with songs like All About That Bass being obviously about larger sized women and their problems in life but then she will write a song like Dear Future Husband and the feminists don't know what to think anymore.

Trainor was asked once who was her greatest musical influence and by the expression on the interviewers face her answer was a total shock. She didn't say one person she said two, she said Frank Sinatra and Phil Collins. She did however say a little later that her vocal style was modeled on The Andrews Sisters which probably had anyone under 30 reaching for the history books to find out who she was talking about.

In 2014 she was voted by Rolling Stone the most unlikely pop star. During the promotion for her first album she said she was trying to serve as inspiration for women who struggle with body image and for everyone who is subjected to bullying. She is quite happy to say that she herself is a large girl and doesn't back away from her size. She has been called by various magazines a poster girl for the larger woman, an anti-feminist, and a radical feminist. She seems to take delight in confusing a lot of people. When she was accused of being anti-feminist they said it was because she seeks self-worth based on the opinions of men.

For someone whose professional career is barely 5 years old this woman has taken the pop world by storm, she has won three ASCAP Pop Music Awards, two Billboard Music Awards, a Grammy and a People's Choice Award. She is also only the fifth female artist in history to follow up a chart topping debut single with another top five single. Trainor is currently listed only behind Taylor Swift on billboards top female artists list.

Can Music Be Something More Than Just Music?

As you start listening music at an early age, you are only hearing some beautifully played music notes. As you grow up listening to music you realize that music is much more than how you have always perceived it. It has been proved through several science researches and studies that music has a great effect on our bodies. What it means is that music can be used for health benefits as well. Think about it for a second: dont you feel cold when you are in your bedroom during high winter season and you hear the water running in the toilet?

What it means is that sound has a great effect on us. When many different sounds and voices are put together, in a beautiful and harmonic manner, they have an even better effect. What music can do for you physically might not be well researched for now but it can definitely have a huge impact on your mental health. There are several examples through which it can be proved that singing and music have a great effect on peoples mental health. For example, many mental- health related issues associated with depression or stress can be tackled by using music.

First, if you research online you will find that there are many institutions with online websites that are actually curing people for several diseases through sound notes. You will download paid recordings of various sound notes and listen to them as told by the instructor to have the right effect. There are sound notes for virtually any type of health issue you can imagine. This is called sound therapy or healing through sound. According to the proponents of this method, our body starts to suffer as different parts of our body start to operate on different and dissonant frequencies.

Everything has a frequency and all body organs should be in harmony in order for a person to stay healthy. By producing the right notes, these individuals try to bring the un-tuned organs of your body back in tune with the rest of the body to heal your illness. This method has worked for years and there are literally millions of people using this method right now. Stammering is a problem where person is not able to speak certain letters or sounds. Stammering is of two types: one is physical and the other is mental. Stammering due to mental stress can be cured with music.

There several examples of people who stammer while speaking but are fully fit and fine when they start singing. Yoga and meditation is often accompanied with proper music for full effect. What this means is that you could actually become someones relief from pain by being a great singer. However, to become such an amazing person you will first have to learn how to sing. You could always perform an online research on comprehensive online voice lessons review to know which lesson would be best for you. Its good to know that you could make a difference just with your sound.

Accommodation Options In South Cornwall

Helston, Looe, Falmouth, Truro, and Porthallow are places in South Cornwall that are home to numerous holiday destinations. The southern part of Cornwall is one of the best places for watersports activities such as windsurfing, dinghy sailing, canoeing, kayaking, and scuba diving. Visitors can also sample fresh seafood, explore remote areas, visit old ruins and have fun at countless other tourist attractions.

Without a doubt, Cornwall is one of the best holiday destinations in the UK and Europe. A single day is not enough to satisfy your senses. For those who are going to stay for more than a few days, it is practical to stay in one of the many amazing accommodation options in Cornwall. here a few local favourites.

The Snug in South Cornwall

When on a tight budget, the best accommodation choices are classic cottages because they offer rooms for a more affordable rate. One good example is The Snug in South Cornwall. It features full gas-fired CH, courtyard furniture, private parking, WiFi, and others. The outside space is just lovely and a nice venue for breakfast or some cup of tea. Youll find the courtyards central garden beautiful and refreshing. The cottage has a little dining area, attractive and compact kitchen area, pretty and cozy sitting area, and elegant bedroom with beautiful linens and Victorian-style bed. In general, there are vibrant colours such as red inside the cottage, which are made more interesting and refreshing because of the eclectic furnishings.

Wild Meadow Cabin near Fowey

This charming cottage near Fowey features logs for wood burner, electric panel heater, private parking area, patio furniture and barbecue. From the outside, the cabin looks very simple and peaceful because of the lush green surroundings. There is a raised deck, which is a wonderful place to simply sit, relax and enjoy the views. When inside the cottage, youll be greeted with an open living room, gorgeous views from the kitchen and cozy bedroom. There are accents like the 1950s vintage cabinet that makes the place homier and truly comforting.

Aside from The Snug and Wild Meadow Cabin, there are thousands more other special and unique holiday homes in Cornwall to discover. There are also other holiday accommodation options such as hotels and B&Bs.

The Old Coastguard at Mousehole

A classic hotel, the Old Coastguard hotel now has a bar with gastro pub ambiance, restaurant with relaxed-brasserie style, garden with palm trees, and awesome views of the sea. You can enjoy viewing the St. Michaels Mount, St. Clements Isle, and Mousehole harbour. Aside from your eyes, your taste buds will also thank you if you try the high quality food. Main courses have a price that starts from around 10 pounds.

Venton Vean at Penzance

A little but classy B&B, Venton Vean is just a hop and skip from the front of the sea. It has immaculate bedrooms that all feature contemporary furniture, cool colours of aquamarine, blue and grey, white-painted floors, cornices, and cast-iron fireplaces. The natural Cornish toiletries, homemade biscuits, and cotton robes will make you feel really relaxed and comfortable.

As a major holiday destination, Cornwall has some fantastic holiday accommodation to make your stay enjoyable. From coast to coast and across the moors, Cornwall is a truly remarkable place were it pays to stay for at least a week to make the most of its magical beauty.

Cornish Food You Should Try Out During Your Holiday

After surfing, taking a long walk and enjoying the breathtaking views, you will most likely have worked up an appetite. Cornwall also has a lot of great restaurants, cafes, and bistros for you to try out, especially if you are too tired or not in the mood to cook in your own holiday cottage. However, it can be a bit tricky navigating through the menu if you are not familiar with all the traditional food served. To begin your culinary tour of Cornwall, here are dishes you can start on

The Traditional Cornish Pasty

This dish has a Protected Geographical Indication status, meaning only ones that are actually made in Cornwall can be called so. Also called oggies by the locals, they are actually pastries that are filled with either beef, swede, onions and potatoes, which are then folded and baked.

They became popular back in the 17th and 18th Century when tin miners wives began making them as delicious and balanced meals for their husbands while they working in the mines. Finding shops that sell them will not be difficult, as the national dish can be found everywhere. Nowadays, though, other fillings can be found, like chicken and bacon, or even apple.

Stargazy Pie

Stargazy pie is the best way to enjoy the local fishermens fresh catch. You simply cannot spend a holiday in Cornwall without trying out this pie that dates all the way back to the 16th century. Back then, a fisherman braved stormy weather to catch enough to be able to feed the entire village. He was able to catch 7 types of fish, which he then baked into a giant pie, with heads still poking out of the crust. Through these pies, he was able to save the village from dying from starvation.

Cornish Cream Tea

You might have noticed the many dairy farms spread around the region, and therefore you can expect the best cream to be produced here. Cornish cream tea, then, is the combination of traditional English tea, smooth clotted cream, sweet strawberry jam, and baked scones.

Cornish Ice Cream

This is the same base used for the cream tea, albeit perfect for the warm sunny days. Ice cream is a must for visitors of all ages, and you can find a lot of ice cream shops, carts, and vans everywhere. Flavors also vary and everyone can enjoy a scoop or two while strolling along the beach.

Cornish Yarg

Yarg is a type of cheese that can only be found in Cornwall, especially since it is best when you eat it fresh. Made from pasteurised milk from local cows, its semi-hard and creamy, wrapped in nettles.

Cornwall is a great destination for those who love food. With the many farms in the region, you can expect traditional dishes made from the freshest local produce. Seafood is also plentiful and cheap, thanks to the daily catch of Cornish fishermen. This is truly one of the highlights of Cornwall, another reason why you should plan your next holiday here.

Decide Your Pets Nutrition Wisely!!

In todays time, a home with a pet is a stress buster!! A pet encompasses within itself the power to lessen your burdens for a short span of time and lets you be happy at your abode. Pets also have certain specific needs and requirements relating to their health which is determined by the nutrition they consume. As humans, we require a nutritious diet that fulfills the day to day activity of our lives and also provides us immense stamina to accomplish our goals in life. Synonymous to the same, dog also need nutritious food to lead a fit and healthy lifestyle. But differentiating from our health needs, pets have different needs and they have specific food requirements that ought to be fulfilled by the pets owner in any situation. Pet nutrition is a diet that comprises of all the essential nutrients that are necessary for the pets health and neglecting the same will lead to bizarre health issues for it.

Facts that need to be considered while deciding a pets nutrition

The dogs which are small in size and low in activity require about 185 to 370 calories on a day to day basis while on the other hand, a large dog weighing in the range of about 67 to 88 pounds have a requirement starting from 1000 and going up to 2000 calories. The intake of food and their requirements also depends largely on the gender and level of the activity of the pet. Thus, it needs to be kept in mind that the pet should be given the food on regular intervals and in proportionate amount that caters to the needs of the same. Many a times, unknowingly pet owners give food that is much more than the requisite amount due to which the dog suffers from being over weight which leads to various stomach disorders. Now, talking about cats, a kitty which has a weight of about 10 pounds requires about 220 to 350 calories per day which is exactly the number present in little ounces of cheese. The weight charts are bad for cats too as the pet owners give a lot of food in the meal time to the pet which leads to amplification in the weight of the pet. As pets are much more active and eager to explore the world outside, their diet should also be so designed that it fits in well with their daily routine and provide them the desired amount of energy and build their stamina yet be suitable to the needed amount of calories in a day.

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Products for Pets nutrition

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Top-notch Excitement And Fun With Garden Climbing Frames

It is not surprising for kids to enjoy playing on a climbing frame. It provides the opportunity to play outdoors with friends and have a lot of fun. A climbing frame does more than just provide fun and thrills. It stimulates the imagination. It promotes physical exercise. It develops a sense of adventure. It teaches children to interact effectively with other children. A climbing frame helps children in their general development, enhancing physical, mental, social growth. An increasing number of parents are realizing that climbing frames may just be the best all-around toy for their growing kids.

Children today are inclined to limit themselves to video and online games. While it is true that these games do provide a fair amount of mental stimulation, they also encourage children to become couch potatoes. You should encourage your children to go out and play games that are physically stimulating. You should show them that it is fun to play with other children. And the best way to do this is to give them a climbing frame to play with.

A climbing frame provides great, stimulating fun. It helps in your child's physical development by strengthening his arms, legs, and core muscles, thus enhancing his motor coordination. You can add climbing nets, bars, and spider monkey climbers to the basic climb and swing structure to add variety and engage your child's interest. Those who are looking for great climbing frames in Ireland can be assured to look no further than Morrow Outdoor Play Equipment NI.

There are many types of climbing frames you can choose from to ensure that you ignite your child's imagination and sense of adventure and fun. You can get a climbing frame with a castle theme for your girls. You can opt for a frame that looks like a pirate ship for your boys.

You can choose one made of wood to give a charming, rustic, and old-fashioned touch to your lawn. This type, in spite of its very inviting and cozy look, is quite sturdy. Made of pine or redwood, it is fashioned to withstand the weight of children climbing and playing all over it for hours on end. It also adds an appealing touch as it blends in quite nicely with the shrubs, trees, and other plants in your garden.

Garden climbing frames are available in varied sizes. You can get a small frame for starters. In time, you can add other parts or more challenging features. You can add bridges, slides, and towers to build on the original structure, modifying its configurations to accommodate the changing needs of your growing children.

If you have a big budget - and a large lawn - you can get a large-scale multi-level frame to accommodate your big family - and even your neighbors kids. Having friends and relatives - and their kids, of course - come over for tournaments can be a wonderful form of entertainment for both kids and adults.

A climbing frame is sturdy and long-lasting. It can withstand all kinds of weather. It is designed to give your children a whole lot of fun for a long time. Your kids are likely to grow up strong and happy - and have fond memories of their childhood.

Diversify Your Garden Space With These Four Items

There are a few things you can do to keep your backyard scene going, and one of the best things is by selecting the following products. The following products will spruce up your gardening and best of all, you can mix and match these products. Continue to read on to find out what products you should get and then you can purchase one of them or you can get all of them.

Pick out your colour scheme. This is something that should be done while looking at the larger specimen plants that you already have in your garden. Next, you can look at the different viewpoints and heights. Determine whether or not you want to bring a bit of pop to your garden and be sure that you plan wisely by seeking out plants that are going to fulfill your needs and dreams. If you have a garden that has been established for a long time, you may only be looking for annuals, some bulbs and a few good perennials to fill in the space. This is where you get to dive into the real fun. This is time to look at the catalogs and see what is out there for different plant varieties and beautiful garden decor. Once the colour and height needs are established, the sky is the limit and you can really enjoy stunning garden-scapes just by taking a few risks. 1. Wind Chimes- Wind chimes are great products to put in your garden because they are soothing and nice to look at. These products are available in many styles and made with various materials, but aluminium chimes are the most common ones people get. You'll love listening to chimes make soothing noises while you relax in your garden, so make sure you buy a few chimes for your garden.

2. Sage Duck Decor Or Antique-Style Ivory Decor- Does your space need some colour added to it because if it does, then add an antique style ivory or sage duck statue. Doing this will give your garden a classic look and you may want to add 2-3 duck statues to your garden, especially if you have a fountain or a small pond installed. You'll love the charm a statue will add, so get a few or just get one to see how it looks. 3. Barnyard Birdhouse- Singing birds makes gardens complete, so add a birdhouse to one of your nearby trees. Add a little bit of appropriate food and some water, and gorgeous looking birds will flock to your birdhouse. Once the birds arrive, they will add a pleasant vibe to your garden. 4. Butterfly Garden Stakes - These are decorative items that also bring colour to your garden and they are a nice finishing touch. Stakes look great along walkways. You can also put them where there are groups of plants because they will add colour to the area. See Garden Stakes on Amazon Feel free to purchase just one of the above items, a few of them or all of them. They will all make a good addition to your backyard. Buy them today and instantly transform your garden.

Top 5 Things To Do On Holiday In Perranporth, North Cornwall

Perranporth in North Cornwall, in the southwest corner of England, boasts of some of the nations finest beaches with a full three-mile course of golden sand complete with sheltering dunes. No wonder its so popular with visiting tourists and holidaying families. During low tides, some sections of the beach turn into natural open air sea water pools perfect for young children who may be a bit intimidated by the waves that pound this English coast. Also on low tides, the sand dunes is the favourite hangout of sunbathing creatures, butterflies, and birds making the area a fantasy land for nature lovers.

As one of north Cornwalls favourite tourism towns, Perranporth has plenty of excellent holiday accommodation. Once you have a a comfortable base for a family vacation, its time to explore and enjoy all that the local area has to offer. If youre still wondering what else you can do on holiday in Perranporth, here are the top five things you can do in this quaint yet truly scenic village.

1. Learn to Surf  With more than 3 miles of beach it is no wonder that one of the major attractions of Perranporth is its long list of nationally recognised surfing schools. From the Ticket to Ride Surf School to Perranporth Surf School to The Watering Hole Surf School, there is just plenty of surf schools to choose from. These organisations are duly accredited and come with all the necessary paperwork to make your surfing activities unique, safe, and truly one-of-a-kind. It doesnt matter whether youre young or old, an absolute newbie or a seasoned pro, there is always a surfing program you can choose from that suits your skill level perfectly.

2. Take a Stroll Down the Beach  If youll be travelling to Cornwall with your loved one, there is nothing can be more romantic than taking a stroll down the beaches of this small yet picturesque village. Head towards Liggers Point about two miles away from the centre of the village, have a feel for its famous soft sandy beaches, and have a glimpse of wild ruggedness of the Cornish coast. 

3. Do the Clifftop Walk from Perranporth to St Agnes  Need another perspective of this beautiful English coastline? Then head up the cliffs overlooking the tranquil waters of the Atlantic and walk towards St. Agnes. Take the 3.5-mile clifftop walk and be treated to some magnificent views of the rocks, foliage, bushes, and other plant and animal life. Take your dog for a walk and stop over at some of the pubs along the way where you and your dog will feel most welcome.

4. Master the Art of Mountain Biking and Kiting  If you havent tried riding a mountain bike on a clifftop or on really rugged terrain before, now is the time to do it in Perranporth. There are a few adventure sports providers in the village most notably Mobius. And if mountain biking is not your thing, you can always try your guts with kite surfing, kite landboarding, or even kite buggying. 

5. Sink a Hole-in-One at the Perranporth Golf Club  Love golf? Then youll love taking a swing at the Perranporth Golf Club while enjoying the view of the Atlantic.

Perranporth may be small but it packs a lot of holiday activities for everyone. If you do visit this part of Cornwall for a vacation, make sure to include these five things to do in your list.