Managing personal finances for some is a necessary evil, while for others it can be an enjoyable pastime. Whoever you are and however you handle your money, there are common mistakes we all tend make. Here are 5 ways most Americans fall short while handling their personal finances.1. Although most money experts suggest keeping six months income or more saved away, 50% of Americans have less than one month saved, and the savings rate continues to decline.2. 23% of Americans have nothing saved for the long-hall, like a retirement fund.3. People can spend up to 18% more when they swipe a credit or debit card than when they use cash or check as a means of payment.4. 64% of young adults have no idea what their annual interest rate is for their credit card.5. 57% of Americans do not live on a budget even though it is impossible to keep proper track of personal finances without one.To get a better grip on your personal finances, begin saving 10%-20% of your monthly income. As soon as the check goes into the bank, transfer the money into savings to help curb the temptation to spend it. Start to cut out small expenses from your day to day life, like the morning cup of coffee you purchase when you could easily make it at home, or the name brand items at the grocery store that have generally as tasty or efficient store brand options, and only lack the name you are so use to seeing.Make eating out a rarity rather than a common experience. Decide before hand how much you plan on spending and bring the exact amount in cash. Doing so will force you to say no to an extra appetizer or a dessert at the end of the meal. Hey, you may even save on calories! Follow the same strategy with any shopping experience. If you only bring 100 dollars to the clothing store, you will only spend 100 dollars, or less, on clothes.Get in contact with your credit card companies, realtor, and student loan lender. A short conversation with any of these companies can lead to a lower interest rate, or at least give you more knowledge regarding your personal finances.To truly understand your personal finances, you must know how much money is coming in and out of your house. Sit down and immediately write down the obvious bills like your rent or mortgage, utilities, phone, and car payment, so that the process of creating a budget will seem less overwhelming. Then begin to estimate miscellaneous expenses such as monthly gas for your car, hygiene and homecare products, and luxury expenses like eating out. It is helpful to look over your bank statement to ensure your estimations are as accurate as possible.For more great tips on your personal finances check out the resource box below and sign up for our blog!
Lifestyler treadmill is a good, solid and reliable treadmill available in the market. Lifestyler treadmill is an excellent choice for first time buyers looking for a value for their money entry into the home exercise market. Lifestyler treadmill is an old reliable treadmill which still provides the staple ingredient in many peoples exercise and workout regimes.Lifestyler treadmill doesn’t have the features that adorn the high end or expensive category of the market. Lifestyler treadmill has more than enough features for home and light commercial use. Lifestyler treadmill is available in affordable price limit.Lifestyler treadmills are functional and easy to use. Fitness professionals around the world recommend Lifestyler treadmills more than any other piece of home exercise equipment. In addition, when used correctly Lifestyler treadmills provide an ideal way to strengthen and improve cardiovascular health.Lifestyler treadmill design and production has been done with the clear intention to help users to exercise with less friction and more flow. Most Lifestyler treadmills offer a smooth and natural exercise experience by working with the body’s natural movements. Generous width and good tread belt of Lifestyler treadmills offer extraordinary health improvements to users. These features of Lifestyler treadmill allows users to walk or run at their pace and maintain their body tonus. Individuals meet their desired body results with a full line of home and commercial models of Lifestyler treadmill.Lifestyler treadmill machines are very ease to use. Individuals can start their exercise routine with one single-button Quick Start feature or select a user ID that retrieves pre-set personal track profiles for consistent improved workout performance. The 10 years warranty usually exceeds the industry standard. Lifestyler treadmill models also have lower impact versus walking/running outdoor. These models are engineered with a unique suspension system that reduces impact to users joints and back while providing a lively, responsive platform on which they can walk/run.Lifestyler 2800 treadmill model is built for home use. This model of Lifestyler treadmill creates a lightweight and smooth running machine without compromising performance. This treadmill functions quietly, features cushioned belt that absorbs the shock for the user and also acts to dampen the sound of stepping to enable user to watch TV or listen the radio while exercising. Lifestyler 2800 treadmill has a design that allows it to fold up to approximately 36 x 40 inches, making it easy to store under a bed or in a closet. The Lifestyler 2800 treadmill is one of the most affordable home treadmills in the market. For those looking to purchase their first treadmill or even upgrading to a new treadmill, the Lifestyler 2800 Treadmill is a smart investment.Users while shopping around for new Lifestyler treadmill should see how the treadmill shapes up to the opposition and there are few important points that they should try and use by way of comparison. By doing so users will find that there are some features which are worth paying extra for and others which are entirely luxury items which they will not need.Each Lifestyler treadmill comes with a motor that has a slightly different specification. The motor is a piece of machine which will get very heavy use and costs an awful lot to replace or repair, so it is worth for users while buying a Lifestyler treadmill to get one which is around 2HP. If noise pollution is going to be a problem while using Lifestyler treadmill, then users can pick the model which has a DC motor, as it will be inherently quieter than the pure AC versions.Lifestyler treadmill models incorporate aspects such as operate quietly, easy storage, etc that make them good fit for home usage. Lifestyler treadmills offer high end performance.
Doing a DIY or home repair, depending upon the component of the home you are working on, may need a little professional advice. If you haven’t done much repair, but want to take the challenge, you should first find out the intricate details required for that particular repair. With all the different aspects of home repair you might find you aren’t qualified to fix it. Home repair advice can be found anywhere on the internet.Plumbing
Drainpipe and gutter leaks
Electrical workFor major electrical or plumbing repairs it is most definitely the best thing if you call a plumber or electrician.For things like mold invasion you can take a number of steps to inhibit this, if it’s done properly you can eliminate it. Mold is a dangerous health hazard. You can remove it but must take additional steps to make sure it does not return. It is a good idea to get professional home repair advice before you attempt using any chemicals to eliminate mold. Window leaks can cause mold as well as rot.The homeowner can fix drainpipe and gutter leaks easily. First of all, check the gutters, maybe they are full of debris, like fallen leaves etc. Clean them out and then see if there is still a leak, maybe they were just blocking the entryway for the water to escape. If the drainpipe itself has a hole that is easily replaced and you only need replace the one section. When you go to purchase your supplies speak with an experienced sales person for home repair advice.Painting should be a great task for a homeowner. This is supposed to be one of the most relaxing repair jobs in the house. From choosing the paint to cleaning away tools and left over paint, you should make any painting project simple. With the correct tools and taking your time for intricate details such as edging, this is where you paint at the top of the wall close to the ceiling or around doors and windows. You don’t really want to get paint on the ceiling or the door and window frames. You can either use painters tape, or just go slow and take your time, see just how steady your hand really is.For appliance repair often it is something simple, like a broken belt or switch, in which case most of the time you might be able to replace it yourself. However, most large appliances these days are completely sealed and it is advised you call a repair man to check out the problem. Once you take the appliance apart, if you can’t get it back together you’re sunk and you wish you’d called a professional for some home repair advice before you started. It could end up costing you twice as much because the repair man has to put it all back together before he can find the problem.For more detailed home repair advice be sure and check out our website.http://www.homerepairsandmaintenance.com