Delicious Food
Lifestyle
10 Characteristics of Debt-Free People
10 Characteristics of Debt-Free Living 10-characteristics-of-debt-free-living Facebook Pinterest Getting free from debt takes dedication and unwavering commitment. It is a habit that you must learn to imbibe and put into practical use. While this task may seem daunting from the word go, some people have been through this phase before, and have successfully become debt-free. You can draw inspiration from these people by looking at the kind of life they are living financially and materially. Study and copy their characters and learn to live within them. Here are 10 characters of debt-free people you can adapt to become debt-free yourself. 1. They Are Very Attentive Debt-free people pay strict and consistent attention to their personal finance. They keep a close eye on their material and financial needs. They don’t waste money by not remembering overdraft fees or payment due dates. You can start from this point to develop your attention. Check on your credit card statements each month. Weigh your needs and study your abilities. Then start thinking of a budget. 2. They Have A Budget A budget is the only way you can remain consistent in being attentive. Having one doesn’t mean you must have a restrictive lifestyle or that you are broke. Rather, a budget is what debt-free people use to plan for their finances, control their spending, and achieve their goals. 3. They Operate An Emergency Fund Debt-free people have reliable emergency funds that help them to take care of emergencies whenever they arise. Assuming your roof cave-in or you lose your job tomorrow; an emergency fund will help you scale through till you find solace gain, instead of borrowing money and becoming a debtor. Start building an emergency fund by throwing in any extra cash, and start monitoring your spending. Here are 10 ways to start an emergency fund when money is tight. 4. They Go With People That Have A Similar Initiative The people around you and your environment shape your personality, and debt-free people know this. The quickest way to achieve your goals is to spend your time with people of like-minded passion who have been through the same issues in the past. If you plan to stay out of debt or save money, then you must avoid friends or relatives that want you to go out for expensive vacations or lunch every day. Stick with people that share the same mindset as you. 5. They Always Commit To Saving Money One of the hallmarks of debt-free people is that they always remember they have a savings account. So, the moment they receive any money as income, they deposit a percentage of it into their savings account. Do the same. Try to keep and save a percentage of your income, at least 10%. Use the remaining balance to augment your budgetary needs. 6. They Live Lesser Than They Make Debt-free people understand that the best way they can secure their financial future is to live below their means. If you can become aware of the income you make now and then, and you commit to living within your means, you will get out of debt sooner than later. You will also get to save more cash and get to your financial goals. 7. They Have Very Little Or No Time For Stuff Debt-free people rarely put most of their attention on materialism. They understand that material things have no sentimental value, and they can never replace more meaningful engagement, relationships, family, and friends. 8. They live patiently Patience is a great virtue of success, and debt-free people know it. If you must achieve anything in life, including your financial goals, you must be patient and focus mostly on your long-term goals. Debt-free people understand that whatever action and inaction they take today can affect their tomorrow. Never try to be like the Joneses when you don’t have the means yet, or you have more crucial needs to meet. Doing otherwise will only drive you deeper into debt. Wait for your time and save up for whatever you wish to purchase. There is always time for everything. 9. They Do Thorough Research People who are living debt-free understand that information is power and getting the current info put them a step ahead in their pursuit to achieve their goals. They usually do their research before embarking on buying anything. You can find the best deals on many products and services and save up more cash for your savings. Without research, you won’t be able to achieve such. 10. They Are Disciplined Debt-free people knew that the greatest enemy to a debt-free life is oneself. They are continuously tempted by many opportunities to live large beyond their means, dining with friends or lunching with co-workers, and such other small expenses that can quickly mount up. They know the danger and have disciplined themselves to say no when they need to, no matter the allure of the moment. If you must succeed in saving money or paying off your debt, you must be disciplined. Conclusion There is no better way to learn something than to cultivate the new and positive habits of people who have been through that same road. The best-laid plans to live a debt-free life start with you. So lay them out and start your journey to a debt-free life.
10 Best Websites to Find Freelance Work from Home Jobs Online
How to find a work from home job online working from home jobs Facebook Pinterest Along with technological development, a large number of websites are available for the individuals who are interested in working from their homes. With the assistance of these websites, you will be able to earn your living without stepping out of your home. There is also a possibility for you to build up a successful business around what you do at home with the help of these websites. Below mentioned are 10 such recommended websites, which you can take a look at in order to start working from home. 1. Freelancer On Freelancer, it is possible for you to find both short term projects as well as long term projects. You will be able to work on these projects with the knowledge and skills that you have. The available projects in Freelancer span across many different categories, including translation, writing, business services, IT, marketing, sales and data entry. You just need to locate a project that you can do, and then apply for it to start working. The process of making money on Freelancer is simple as that and you will love what you are being offered. 2. Fiverr Fiverr is an online marketplace, where the talented freelancers offer their services and people who are in need of those services go ahead and purchase them. The best thing about Fiverr is that most of the gigs are available to you from the base price of $5. Therefore, freelancers who join Fiverr have a high chance of making money from the very first day. If you have any special skills or capabilities, you need to go ahead and publish your gig around that. Then you will be able to start attracting buyers to it. 3. Upwork Upwork can be considered as one of the most popular online platforms available for you to accept projects, complete them and start making money. You will be able to do both full time work as well as part time work when you are on Upwork. To get started, you will need to create your own profile on Upwork and submit proposals. If your proposal is accepted, you will be awarded with the project to complete. Then you need to go ahead and complete the project in a timely manner. 4. Ruby Now If you are a Ruby developer, Ruby Now is the best platform available for you to make money online. A large number of projects, which are based around Ruby developments, are available in Ruby Now for the freelancers to get their hands on. You just need to go through those projects and accept the projects that you are capable of doing. 5. Hubstaff Talent Hubstaff Talent is one of the recently established online marketplaces, where freelancers can find work to complete. In this website, it is possible for you to discover thousands of job offerings. You will be able to find work that you can do within a matter of few seconds due to the availability of filters. For example, you will be able to filter out work based on the experience level, pay rate, job type and skill that you have. It is also possible for you to create your own profile on Hubstaff Talent and start finding work. 6. Home With the Kids If you are a stay at home parent, who is looking for a website to start working from home, Home With the Kids is one of the best opportunities available out there to consider. At Home with the Kids, you will be able to discover work, which you will be able to complete, while taking care of your little one at home. The available work that you can find in Home with the Kids has been divided among over 30 different categories for your convenience. You will never get bored when you are working on this website, due to the availability of chat forums and useful articles. 7. Crossover Crossover is an online platform, which is designed for the skilled workers who are interested in working from their homes. Crossover has got connections with companies, who are looking for skilled workers. Therefore, you will be able to increase your chances of finding work without any hassle. The available job categories in Crossover span across multiple niches, which include sales, marketing, executive management, finance and software development. 8. Virtual Vocations Virtual Vocations is a website that will expose you to remote job postings. However, you will need to make a monthly subscription fee in order to gain access to the remote job postings that are offered through this website. However, you don’t have to spend a fortune on the services. You just need to spend $16 per month or $60 per six months to obtain the subscription. The amount you pay on Virtual Vocations subscription is totally worth because it can expose you to a large number of opportunities, which you can capitalize on to make a decent income online. 9. Remote OK Remote OK is equipped with a sleek job board. If you are a person who is good in designing and programming, Remote OK is one of the best platforms available for you to try out. However, you will also be able to discover a large number of non-tech jobs available in Remote OK to be completed as well. It is ideal for working on projects as remote teams. Hence, Remote OK has earned a lot of positive reputation among startups. 10. We Work Remotely We Work Remotely is another website, which you can use in order to work remotely and make a decent income at the comfort of your home. The available job offerings at We Work Remotely span across multiple categories, which include marketing, business management, design, copywriting, customer support, system administration, developmental operations and programming. You can select whatever you can do and start working on the website.
How Well Do You Know Your Yoga Poses? Take the Quiz!
What is the name of this yoga pose? Downward-Facing Dog Facebook Pinterest Cobra Pose Downward-Facing Dog Child’s Pose Warrior II ... and this pose? Warrior I yoga pose Facebook Pinterest Warrior I Tree Pose Triangle Pose Plank Pose Can you identify this yoga pose? Warrior III yoga pose Facebook Pinterest Half Moon Pose Boat Pose Warrior III Crow Pose Which yoga pose is this? Shoulder Stand yoga pose Facebook Pinterest Headstand Shoulder Stand Downward Dog Plow Pose What’s the name of this stretch? Tree Pose yoga pose Facebook Pinterest Warrior II Chair Pose Cat-Cow Pose Tree Pose Guess the yoga pose! Thunderbolt Pose yoga Facebook Pinterest Hero Pose Thunderbolt Pose Camel Pose Seated Forward Fold Can you name this asana? Easy Pose yoga Facebook Pinterest Lotus Pose Seated Twist Easy Pose Bridge Pose Which pose are we looking at here? Cobra Pose yoga Facebook Pinterest Cobra Pose Warrior II Dolphin Pose Plank Pose Can you guess this one? Crow Pose yoga Facebook Pinterest Dolphin Pose Frog Pose Chair Pose Crow Pose Do you recognize this yoga pose? Scorpion Handstand yoga Facebook Pinterest Downward Dog Scorpion Handstand Child’s Pose Upward Dog What about this yoga pose? extended triangle Facebook Pinterest Extended Triangle Bow Rabbit Table Top
