Ever gone into a grocery store hungry? It’s one of the most important things to avoid when trying to save money and when trying to avoid impulse buys. When you’re hungry in a grocery store you’re likely tired, agitated, and attracted to all sorts of foods that you didn’t plan on buying. When it comes to the amount of money you spend on food, some simple budgeting techniques can go a long way.
How Much Are We Spending?
According to Statistics Canada, the average Canadian household spends about $214 per person per month on food, excluding going out to eat. For those who are single or live in remote parts of the country or cities with high living costs, that number can be even higher. Some financial advisors recommend that consumers budget between $200 to $250 per person for grocery money each month. If you also get your toiletries and household items at the grocery store, you should bump that number up a little bit.
How Much Can You Spend?
When the holidays and special occasions come around, we typically spend a little more on food. If you want to know how to budget for holidays, click here to learn more about how to spend wisely during that busy time of year.
Aside from the times when we tend to spend a little more, there are professionals out there who suggest that a family of four can comfortably aim to spend only $125 per person per month on groceries — that adds up to over $2,000 in annual savings. Being able to plan for those kinds of savings can be a real lifesaver in any emergency financial situation.
When money’s tight and something comes up, not having an emergency fund can cause undue stress. The good news is that resources like online payday loans from GoDay can give you that extra cash before your next payday comes around. Knowing that there’s options, however, doesn’t mean you should forego healthy grocery budgeting.
Use Rewards Programs
Rewards credit cards that offer cashback and loyalty programs can really take some of the edge off of your grocery budget. Learn the rules of your rewards system inside out so you don’t get caught with any unexpected fees or surprises and so that you can maximize your benefits.
Look for things like sign-up bonuses but don’t get carried away— overspending and getting caught in debt is not a positive step towards financial planning. Also, be wary of coupon madness. While some bargains might seem too good to pass up, if you don’t actually need the food, then it’s not a bargain. Be smart with your points and spend strategically using the right credit cards when budgeting for your groceries.
Plan in Advance
One of the most impactful things you can do to shrink your grocery budget by up to 25% is to plan out your meals and go to the grocery store with a plan in mind. Plan to eat vegetarian every once in a while: produce is cheap, healthy, and can go a long way if you know what to do with it. Lay out a plan and stick to it and you’ll be amazed by how much you can save by spending smart on food.
You’ve probably heard by now about the wonders that fermented ingredients can do for you, inside and out. Eating fermented foods is good for your gut environment and flora because they contain those pro-biotics you’ve also likely heard an earful about! Those good bacteria can improve digestion, reduce inflammation, boost immunity, and help manage a healthy weight.
Well, good news, fermented ingredients are also great for skin! The fermentation process concentrates nutrients and allows them to be more easily absorbed by the skin’s upper layers. Fermented herbs, fruits, and other plants can be found in cleansers, moisturizers, and masks to treat problems like dry skin and the effects of premature aging.
Check out some of the following wonder ingredients found in coveted skincare products.
Scientists of SK II, a maker of top quality, cult favourite skincare products, when touring a Japanese sake brewery discovered the soft, youthful appearance of the tochi masters’ hands that were constantly drenched in the fermentation process. Through this, they developed Pitera™, a nutrient-rich ingredient in their skincare products.
Find it in: You’ll want to try these high quality masks and skin care products in SK II’s celebrity-favourite line. The Facial Treatment Essence looks and feels like water and provides hydration and promotes cell renewal. It contains over 90% Pitera™ and is packed with vitamins, amino acids, minerals, and organic acids, for anti-aging, smoothing, brightening, and moisturizing effects.
The leaves of this herb are traditionally used in medicine. Yerba Santa is used to aid respiratory conditions, fever, dry mouth, muscle spasms, and to loosen phlegm. As a topical treatment, it can treat bruises, wounds, bites, and relieve joint pain. It is also fermented and used in skin products.
Find it in: Peter Thomas Roth Viz-1000. Along with several other natural ingredients like honey, algae, and olive oil extract, this moisturizing complex uses fermented Yerba Santa, which mimics glycoproteins to help skin retain moisture. The formula also has a super-concentrated hyaluronic acid complex to create an invisible veil of hydration, smooths fine lines, and it restores a youthful radiance.
Fermentation increases the nutrient and antioxidant concentration and content of an ingredient. Like how wine has a higher antioxidant content than grapes, so too does fermented pear juice than a fresh pear. Fermented juices are therefore an excellent ingredient for skin care.
Find it in: Koh Gen Do Macro Vintage Royal Massage Milk. A serum-like massage cream that has wonderful anti-aging properties that quenches the skin. It absorbs quickly, and the pear juice nourishes the skin while boosting antioxidant protection power.
Honey is very nutritious to eat because it contains antioxidants, nutrients, and can help improve cholesterol levels. It can also do amazing things for the skin. (Thank-you, once again, for everything, bees!) One Korean beauty secret is using honey on the skin, leaving it hydrated, dewy, and plump. And fermented honey adds further nourishment to the skin, naturally.
Find it in: Origins Clear Improvement™ Charcoal Honey Mask. It gently purifies and detoxifies with the power of bamboo charcoal to deep clean and draw out impurities, and golden wildflower and fermented honey nourish all skin types.
Learning to drive is something that everyone wants to do when they are young and, if the opportunity is there, it is highly recommended that young people do learn to drive as it opens up a wealth of opportunities in terms of job applications. Employers like to see a clean driving licence as part of a cv, so it really is worth the effort.
If you are no longer in your teenage years it can still pay to learn to drive. The convenience of owning a car cannot be overstated; no more waiting in the rain for the bus or train to go to and from work, you can simply get in your car and go. So, what do you need to think about when you are looking to learn to drive? The first thing you should consider is finding a good driving instructor, and with many in the business this is not always the easiest choice.
Trust and Reassurance
A driving instructor is not just there to teach you to drive, but to help you gain the confidence in being on the road among other traffic. It is a daunting experience at first as while you do experience traffic as a passenger, it is not your responsibility to negotiate it. You need a driving instructor you can trust, and one that can give you the assurance of being able to help you gain the skills you need.
This means being tutored not only in the practical art of driving on the road, but also in the all-important theory test, which one must pass to get a full licence. We looked around for driving lessons in Renfrew and the surrounding areas and came across Freedom Driving Centre. They have more than 10 years of experience in teaching people how to drive, and also offer you a choice of male and female instructors if you prefer.
Solid Track Record
The instructors at Freedom Driving Centre have helped many pupils pass both parts of the test and gain a full licence, and the testimonials on the website point towards a team you can trust, and instructors who are adept at getting the best out of their pupils. They understand that each person will learn in a different fashion and at a different speed, and they cater their tutoring to each person individually. Friendly and professional, and with excellent rates, Freedom Driving Centre are certainly at the top of the list when it comes to finding a reputable and reliable driving instructor in the Renfrew area.
You can book your lessons online, they offer a door to door service and all their vehicles are modern cars with air conditioning and dual controls. They also offer tuition in motorway driving, something that is often overlooked in driving lessons. If you are looking to learn to drive, why not give Freedom Driving Centre a call, and one of the team will be more than happy to talk to you and arrange a first lesson.
After pregnancy, your life changes completely. You experience hormone fluctuations, changes in mood, your daily dynamic takes a sharp turn and you get no or very little sleep. Of course, all of these factors will contribute to how you look. You probably won’t be happy with it, but it doesn’t mean you will need a lot of time to go back to your old self. If you follow these 5 useful tips, you’ll manage to fight the consequences of a strenuous period you have been in and look as fresh and attractive as usual.
1. Help your hair
You have probably lost a lot of hair during pregnancy and it looks lifeless at the moment, but you can bring it back to life if you do the following:
– don’t tie your hair tightly, as it will make your hair fall off even more
– take vitamin supplements like Vitamin B and C to help your hair recover
– avoid chemical treatments like straightening or coloring your hair to prevent more hair loss.
– if you lose too much hair, have a short haircut, as it will look fuller.
2. Get rid of stretch marks
The best move is to prevent stretch marks the moment you find out you’re pregnant, by using moisturizer rich in olive oil on your breasts and belly. Massaging the breasts and belly while applying the oil will make sure they don’t appear. However, if they still appear, you can use a quality anti-stretch mark cream and start exercising and eating healthy to make your skin firmer. Of course, you first need to get the approval from your doctor that you can start with the exercises. It will probably be something of low or medium intensity, like yoga or brisk walking. Still, any type of exercise will help you get rid of or reduce the stretch marks faster.
3. Heal your skin
Your skin may be one of the most affected parts of your body. There are many skin problems that may appear after pregnancy. Acne is a common issue, so you need to cleanse your face twice a day. Make sure you use a mild cleanser, not an aggressive one. Also, use an oil-free moisturizer twice a day and have a soft peeling once a week. Always turn to natural ingredients like eucalyptus or Aloe Vera.
If your problem is pigmentation of the skin, there may be more than one solution, depending on how serious depigmentation is. The spots are likely to appear on your face. Some of them may disappear after a year, and some may only become lighter in time. To prevent new ones from appearing, use a sunscreen every day, even if you are in your home most of the time. Still, if you can’t simply wait and hope the spots will disappear over time while feeling low self-esteem, you can turn to professionals for help. As plastic surgeon Dr Ross Farhadieh states, even subtle procedures on your face can do wonders for your self-confidence.
4. Dark circles and swollen eyes
Dark circles are annoying because they make you look older but it’s hard to get rid of them because new mothers don’t get much sleep. The issue with water retention also makes your eyes look swollen. Still, there are ways to deal with these problems. Try to sleep when the baby sleeps even if it’s just for 20 minutes. While sleeping, make sure you have a thick pillow. Try to drink less fluid before going to bed, but drink at least 8 glasses of water throughout the day. When your eyes get swollen, use cucumber slices or potato to reduce the swelling. Use a concealer for dark circles and use a quality eye cream designed specifically for dark circles.
5. Pamper yourself with a spa day
As a new mother, you really deserve some time off. Get one day free and experience a full body massage and a spa treatment. You need to pamper yourself from time to time, as it will relax you both physically and mentally. You can find a couple of hours one day of the week to be completely alone and enjoy. This will definitely reflect on how you look.
All in all
Nobody says you should look awful just because you have given birth recently. You have every right to look amazing and to take care of yourself. If you are the best version of yourself, then it will reflect on how you take care of your baby.
A lot of people today spend so much time cooped up in their room playing video games or streaming on Netflix. Such a small amount of time is spent, if any at all, outdoors playing with other kids or enjoying a good ‘ol fashioned barbecue with the neighbours.
All of that should change this coming summer and you can start by playing any of these awesome backyard games. So let’s say that after so many years and countless First Home Buyer’s Guide articles you pored through, you finally have a house and are planning an awesome party. Let’s remind friends and family how exciting it is to drop everything you’re doing to play outside.
Water Balloon Dodgeball
A fun twist to an old favourite, this game is pretty self-explanatory. Load up balloons with water, team up, and get ready to dodge like your life depended on it. You can invite more people to join this game and turn it into your little backyard tournament. Limit the number of people on the field to maybe four or five, and around four teams. The winners of each elimination round will then compete each other and win the title of “Best Backyard Dodgeball Team.” Just remember not to aim for the face, and wear protective gear if you have them.
Picnic basket relay
Divide everyone into teams and give them a complete picnic set, which includes: plates, utensils, glasses, and even food. Each team member must set up a picnic as fast as they can and the put it back in the basket. Once they are done, the next player needs to do the same. The team who can finish the fastest wins.
Try to avoid using materials that will break easily just in case people get too excited and accidentally drop plates and glasses.
For this version of charades, only one person in the team is guessing. Other members will pick from your pool of topics or phrases. They will not act it out though, instead they will form a picture and freeze, a bit like a tableau. Then the team member will have to guess what the ‘picture’ is. You can do themed charades so that it is easier for them to guess the picture like movies or songs.
Do this “Amazing Race” style. Which means you will have to prepare riddles and tasks that the teams will have to figure out and accomplish. The goal is for them to form a puzzle or look for an item around the house. Make sure you go wild with it, too. You can hide items in places they will not think you will make use of and ask them riddles that will really mess with their wit.
You can limit the team members to three or four, and around four teams only. When you are setting up the tasks, make sure there instructions and guidelines so that the game remains safe to play.
This is the perfect game to show off those dance moves. Everyone joining the game should partner, face each other, with a whole page of newspaper laid out in front of them on the ground. The rules are simple: they will start dancing once you play music. When you stop the track, they should stand on the newspaper, making sure that both of them are on it. After each round, the players will fold the newspaper in half, and then they will start dancing again once you play the song. This goes on until only one pair remains.
So clear up the backyard, call all your friends and family, and get ready for an awesome summer bonding!
Keeping fit is not just about physical fitness, but also about being happy in yourself. A healthy body, so they say, means a healthy mind, and that’s something that many people who enjoy a workout routine can testify to. Keeping fit doesn’t necessarily mean working out strenuously; you might simply want to stay healthy, and keep your body in trim.
There is, of course, more to it than simply getting into a workout routine at the gym (or perhaps in your home gym). We’re talking about a healthy diet, which goes hand in hand with the fitness routine. Eating well is a good part of every fitness regime, but what does ‘eating well’ really mean?
It’s a good question, but what we can say is that it doesn’t mean only eating food you don’t enjoy. There are many delicious and nutritious meals that you can employ within your diet to help you keep your weight and fitness at the right level, and it pays to as the right people for help.
Who Should I Hire?
This is a good question; we recommend that you hire both a fitness coach and diet coach, or one who can help you with both disciplines. The problem is – as with all such things – finding the right one, and it’s not always easy. This is because the person you choose will be integral to your health and fitness for the near future at least, so you need to ensure they are trustworthy and that they can provide the goods.
You should, in the first instance, ask around friends and family who have used such services, and see if they can recommend a fitness and diet coach who they have used with success. Or, you could check out some of the online services available – Medifast is a good example of weight control advice service that we have found – and see how they can help.
Once you have an idea of who you might want to help you with your fitness and diet routine, you should be able to work towards starting on your regime with their help, and building up towards the level of health and fitness you want to achieve.
What Is Involved?
What will be involved when using a fitness and diet coach? The benefit of using an experienced coach – or coaches – lies in the fact they know what they are doing. Each of us is different in terms of build and fitness, and we have different ideals in life. You may be a man who wants to work out to quite a high level, or you might be a woman who simply wants to keep in trim; the coach will be able to advise you as to the relevant exercise regime for you, and the appropriate diet that you should be indulging in.
You will find things difficult at first, but rest assured your coach will ensure that your fitness routine begins slowly and builds up to an intensity that is right for you. This is a further benefit of using a professional coach; they can help you do things at the right speed, as going too hard, to quickly can take its toll on you.
As for the diet side of things, an experienced dietician will be able to advise you as to what you can eat, and how much, but will also be able to ensure that the meals you have are not just nutritious, but also enjoyable.
The benefits to hiring a fitness and diet coach really cannot be overlooked, so why not check them out now and see how they can help you reach your ideal level of fitness?
The internet has opened up the realms of opportunity wide when it comes to earning money, even in the form as a side income. If you are finding that you would like another stream of income, therefore, either because you are not earning quite as much as you’d hope from your main income or because you wish to build on something that means you can stop doing your main job, there are many options out there. In the following post we are going to highlight a few of our favorites.
Do you like giving your opinion on things? Surveys have become one of those fun ways you can earn money online. One in particular we like is WalGreenListens, that gives you the chance to fill out surveys from some of the biggest brands in the country. They all, more or less, work the same way – you give your opinion by answering a series of usually multi-choice questions and are remunerated for your efforts. Pretty simple, eh?
Do you have a talent for being able to put words together in a fluid, interesting and engaging manner? Do you enjoy writing? If the answer is yes to those questions, you could earn a side income doing some freelance writing. This is a popular way to earn money online and many people actually do it as their main form of employment. The reason it is so popular is that it is incredibly easy to get started in. There are a wide variety of different sites and platforms that help you to advertise your skills or give you the chance to bid and send proposals on jobs. There are various ways you can get paid too, so you might get paid per article/piece of writing, paid an hourly wage or for bigger projects when you’ve completed the work.
Affiliate marketing is one of the most popular ways to earn money online, and with good reason. While it would be foolish to say it is easy to make money this way, it is easy to get started. You don’t even have to be the most gifted website designer or know anything really technical. Essentially, you join an affiliate scheme with a particular company or retailer, such as Amazon, and you are given a special code that you can use when featuring reviews or pieces about items sold on Amazon that if people click on while on your site, and eventually buy something, you will earn a little bit of money in commission. It does take a lot of time and patience and to really get good at it, you also need to do some research, but you can still go from a rank beginner to having a successful affiliate marketing income.
Already have a blog set up? Is it successful or in a small niche that is only just flourishing? Whatever the position you are in, one of the great ways to monetize your website or blog is to offer people the chance to post on your blog in the form of guest posts. It basically means that they get the benefit of your readership and visitors by paying for you to post one of their own blog posts, while giving them a link back to their site. This is a great way to make money because, again, it is relatively easy to follow through on. You literally just have to post their content and sort a link. They pay you for the privilege.
When you have a family, it is important that you make sure that they are safe at all times. One of the most dangerous places for your family to be is in your car. Accidents can happen very quickly and so you need to be prepared for anything that might come up. In this article, we’ll talk you through some tips for car safety for your family. Keep reading if you’d like to find out more about this.
Make Sure Everyone Has A Seatbelt
When you are in a rush, it can be easy to forget to check that all of your kids have their seatbelt on. In fact, some parents spend so much time worrying about their kids that they forget to put their own seatbelt on. This is something which you should avoid if you want to keep your family safe. On top of this, you should never have more people in the car than there are seats as this can be very dangerous.
Check Your Airbags
Most cars these days come fitted with airbags but once they have been used they might need to be replaced. It is very important that you make sure that the airbags in your car are properly functioning and that they are going to save you if something happens. If your airbags are very old, then you might benefit from having them checked out.
Check Your Horn
Many people think that car horns are only used for telling off other drivers when they cut you off but they are actually there for safety. Car horns can alert other drivers to your presence and they can come in very handy when it comes to preventing an accident. You should make sure that you get your car horn replaced if it is damaged and never drive without one.
Keep Young Kids In The Back
Another great safety tip for families is to make sure that small children sit in the back. The airbags that are fitted in the front of your car could seriously damage a small child if it were to hit them which is the opposite of what you would want. Make sure that you keep any kids who are under 12 in the backseat where they will be safer.
Our final tip for family car safety is to remain calm at all times. When your kids are energetic and making a lot of noise, it can be easy to get distracted or agitated. If you are driving, you need to make sure that you are entirely focused on the road, so you can’t have a lot of noise and people moving about in their seats. If you can convince your kids to stay calm and you can do it yourself, then you’ll be driving a lot more safely.
Follow our tips if you want to make an effort to keep your family safe when going for a drive.
There are some beauty routines that you will partake in as a matter of course: moisturising your skin, for example, using your preferred lotions and balms, is always a good routine to follow. Some area of the skin need very careful attention, and these tend to be where it is at its softest and most tender. Take the skin in your face: this is the focus of anyone who is talking to you, and you want to loo your best for the right impression. Looking after your facial skin is essential, so what do you do to make sure you have it covered?
If you read the beauty magazines and browse the internet regularly for the latest information and ideas, you will have read of many different beauty products and regimes, plenty of which have their roots in ancient Chinese and eastern medicine and practices. Indeed, there are so many that it is difficult to know how to approach these: are they real, as claimed, or are they promising something they cannot deliver? Some are genuine, and very popular, but there are a couple that are also very effective, yet are not so well known.
Why Use Jade?
Jade is a semi-precious stone you are probably familiar with – it’s a very beautiful stone after all – but what about its use as a beauty product? For many centuries, jade has been used as a skin care product in the Asian world, and is renowned for its ability to rejuvenate the skin and keep it fresh and glowing. How it does this, nobody really knows, but like many natural products it is proven, and the results will impress you greatly when you first try using a jade roller.
Our research found No.1 Jade facial roller Australia uses, and it’s from Zudoya. They provide premium, quality jade facial rollers that, when you start to use them, will produce the results you want: clear, fresh and young-looking skin. The rollers are beautifully presented and designed for facial use, providing a soothing and cool massage action that will reduce any baggage on your skin and help revitalise it, as it has done for millions of women in the regions of the world where it was first used.
Buy from Zudoya and you get a beautiful jade roller – they also offer a similar product that uses Rose Quartz, another stone with refreshing properties – plus a luxury box to store it in, a manual that tells you how to get the best out of your new jade roller, and a special refrigerator bag that you use to cool the roller down before use for maximum effect.
This may be a new approach to facial beauty for you – we are sure it will be for many readers – but if you read the comments from satisfied buyers on the website you will see that it is a great purchase for you, and furthermore, you get a lovely crystal bracelet as a free gift. Have a look now, and try jade rollers for more beautiful skin.
So you’ve decided it’s time to create a tiny human. Good for you! You start doing all the necessary research on how to prep your body for conception – fertility diets, exercise regimes, supplements, detox etc. You’ve even research various assisted reproductive techniques (ART) just in case – IVF, egg donation, IVF with egg donation. Armed to the teeth with all these plans, research and knowledge you think you’ve upped your chances of getting that bun in the oven. But have you considered the following things that could affect your fertility? Read on to find out four surprising things that can affect your chances of getting pregnant.
A recent Harvard University study found that women who worked the night shift had more potential for infertility issues than women who worked non-antisocial hours. The study claimed that women who worked nights had a 28% reduction in eggs compared to those who work during the day. This may be due to the disruption of a woman’s circadian rhythm, which is the result of irregular work shift schedules.
Artificial Nighttime Light
We’ve all heard how the blue light from our phone or tablet screens can disrupt our sleep cycles because it suppresses our melatonin levels. However, did you also know that a study published in the Journal of Fertility and Sterility found that exposure to this artificial nighttime light can also harm your ability to conceive and the development of a fetus? Melatonin helps eggs block damaging free radicals while lowered melatonin levels can affect the internal clock of a developing fetus, which can lead to future long-term problems. It’s something to think about the next time you’re lying in bed with your nose glued to your phone’s screen.
Having a perfect, sparkly white smile has more than just aesthetic benefits. A study in the Journal of Peridontology found that women who sought fertility assisted treatments had higher levels of bleeding gums and inflammation in comparison with women who successfully conceived naturally. Other studies have also backed this hypothesis on women’s oral health being linked to their reproductive chances so if you’re looking to conceive, don’t forget to brush and floss twice a day!
A Harvard University study found that women whose jobs frequently involved heavy lifting had increased chances of fertility issues. Harvard researchers implied that women whose job required heavy lifting produced 14% fewer eggs than women who did not and that the eggs that they did produce were of a lower quality. Researchers think the reason for this is because the lifting of heavy objects puts a strain on a female’s body and affects its ability to reproduce.
In conclusion, if you’re thinking about conceiving or are trying to conceive, you might want to factor in how your daily and common habits at home and at work can affect your fertility and adjust accordingly. Also, if you’re thinking of seeking fertility treatments abroad, why not Czech outIVF in Prague or egg donation in the Czech Republic? You can find more information on the Medical Travel Czech’s website.