Planning and discipline, your best allies
Have you been in debt at some point in your life?
Many are the people who at least once have had to face a financial crisis, either due to an unemployment problem, a health problem, or simply because they overspent and lost control of their debts, which now drown them.
According to a basic financial rule, the payment of your debts should not be more than 30% of your net income, since otherwise, you could fall into a situation of insolvency.
If you are in debt and this has become a situation that overwhelms you, produces stress, and takes away your sleep, do not despair because it is true that getting out of debt is not easy, but with discipline and planning, you can always overcome them. The most important thing is that you recognize that you are in a debt problem and do not wait for your accounts to be sent to a collection agency.
And it is that being in debt is not always bad, although it sounds strange, there is also good debt and it is one that you use to increase your wealth, for example: buying a house, remodeling your home (which gives it greater value), acquiring a car, etc.
It is clear that there is no universal plan to get out of debt and the strategy must be according to your particular situation, so at Proteja Su Dinero we want to make some recommendations for you to take the one that best suits you:
List your debts
Get out your bank statements and make a list of all your debts. Write the name of the card, the total balance of the debt, the interest rate, the minimum payment, and the due date. For this we can suggest two formats:
- Put the debt with the highest balance first and then the rest in descending order. Concentrate your efforts on paying the highest debts, pay more than the minimum, and assign to the other accounts at least the minimum payment, do not stop making the monthly contributions to keep up to date.
- Order them according to the highest interest rate. In this way, you will spend the most money to pay off the most expensive debt. Without a doubt, this is the best strategy in financial terms, since you will pay off the debt that generates the most interest first.
Make a budget
The first step to take control of your financial situation is to know how much money you spend, and then define the amount that you can allocate to pay your debts. Make a list with the total amount of your monthly income, then fixed expenses (rent, tuition, gas, electricity, telephone, etc.), and finally variable expenses (transportation, entertainment, clothing, shoes, etc.).
Establishing a detailed budget that accounts for all your expenses, no matter how small, will also allow you to determine where you can cut them. The most advisable thing is that you start by reducing unnecessary tastes and expenses, without this meaning that you will stop having a good time, it is not that you no longer spend, just that you do it in moderation. For example, you can reduce the number of times you go to the movies or eat, cancel pay-TV or reduce your mobile phone plan.
Pay more than the minimum
To get out of this complicated situation as soon as possible, you must allocate as much money as possible to pay your debts and it must be enough to cover the minimum payment and a little more.
Consolidate your debt
This option allows you to group your debts in a single account. Check which bank offers you the best conditions (CAT, lower interest rate, etc.) and ask them to transfer the balance of several credit cards to a single plastic, in addition to having greater control of your payments, this will allow you to save commissions yearly. Not all Financial Institutions offer this benefit, so ask the bank of your choice if it handles the program and under what conditions.
Save the cards
If your goal is to stop getting in debt, avoid continuing to use credit cards at all costs. Leave the plastics stored in a safe place, or if possible, destroy them to eradicate the temptation to use them and get used to doing all your purchases in cash.
Restructure your debt
Compared with consolidation, restructuring seems at first glance more advantageous, because the creditor institution can reduce the amount of your debt and even eliminate the interest generated by it. However, the negative side is that it will leave a bad record on your credit history, so it will always be better to pay off the total of your debts.
Request a fixed payment plan
This option allows you to “lower” the amount of the payment that you must make each month, the benefit is that the interest on the debt will no longer generate more interest. This facilitates the payment of the debt in a much shorter time than if you only made the minimum payments. Financial Institutions usually handle terms ranging from 6 to 60 months. It is important that once you establish this plan with your creditors you do not use your cards again, since otherwise, you will increase the amount of your debt and you could fall into a situation of insolvency again.
Make your card your best ally
If you know how to handle them, credit cards are one of the best credit options, since they allow you to finance yourself for up to 50 days without paying a peso of interest. In addition to this, they offer you some benefits such as generating points with which you can pay your annuity, obtain plane tickets or have travel insurance. Likewise, they allow you to domicile the payment of services, thus saving you the transfer to a branch.
9 KEY WAYS TO FEEL CALMER
You may be exercising hard and watching your food intake, but if you don’t combat stress you may find it very hard to lose weight as stress can caused you to hang onto unwanted body fat. Here’s how you can get rid of stress.
Trying to lose weight and struggling? Stress can make you gain weight, firstly because you’ll be more tempted to overeat and snack on unhealthy treats. Secondly because when you are in a stressful situation, your brain will tell your cells to release a burst of adrenaline to help you cope with the stress, so that you can fight or run from the ‘danger’ it perceives you to be facing.
You also get a surge of cortisol, which tells your body to replenish energy, and this can make you very hungry. Your body will continue to release cortisol while you remain stressed, so prolonged periods of stress can have a significant effect on your waistline.
Thirdly, being stressed or overly concerned about something can interfere with your sleep, and this can change the hormone balance in the body, which in turn can increase hunger. Leptin is a hormone that signals when we are full, and when we don’t get enough sleep, the release of leptin slows down.
Sleep deprivation also causes our body to release ghrelin, a hormone that signals hunger. So lack of sleep through being stressed or being unable to switch off your mind can mean you’ll overeat and your body will naturally want to store more body fat.
So how can you get your stress levels under control so that you can lose weight and get fit? Yoga or meditation will help, but there are other things you can do that will also make a difference. Reducing sugar and caffeine intake can help, as these can affect your mood and will do little to bring your stress levels down.
Switch off your brain before bedtime
Try to switch your brain off at night. Read a good book (avoiding anything too extreme like a horror story) so that you have a chance to distract yourself from the day’s events before you go to sleep.
Clear the bedroom clutter
Make sure your bedroom is tidy and free from clutter. Leave technology out of the bedroom. Switch your phone off and put tablets and laptops away. Pick up any stray items of clothing on the floor, or towels that you meant to put away earlier. Make sure your bedroom offers the calmest possible environment and is a sanctuary where you can truly relax.
Shut your blinds
Try to make your room caveman dark, so that you can sleep well. Switch off anything that brings light into the room, like mobile phones or portable phones that charge overnight. Draw the curtains or shut the blinds as tightly as possible.
Just say no
If your stress is caused by others expecting too much from you, either at home or at work, set some boundaries. Don’t be the first to volunteer to take on new tasks or projects at work, especially if you’ve already got a lot on your plate.
If someone asks you to do something and you genuinely think it will add more stress and pressure, say no. Be polite. Just be honest. We’re so conditioned to doing what others want, but in the end, it can make us stressed and miserable.
Get plenty of fresh air. The mental health charity Mind recommends outdoor exercise as a great way of improving your mood and being outside is a natural mood booster. If you have a stressful job, always take some time at lunch to go out for a walk and get some fresh air, even if it’s only for 10 or 15 minutes.
It sounds so simple, but it works. All you need do is inhale through your nose, and gentle exhale through your mouth. Make sure you are sitting up straight as you do this. Deep breathing in this way can reduce the effects of stress by slowing your heart rate and lowering your blood pressure.
Keep a stress diary
Get some perspective by making a note of anything that happens which stresses you out during the day and then maybe, over the course of a week or two, you can give some thought to how you can eliminate or control those stressors. It might mean being more assertive and learning to say no, or avoiding certain situations that add stress.
Watch cheerful TV, sleep well
Avoid horror films or graphic scenes of violence before bedtime, as this can increase your heart rate and your stress levels. If you like to watch TV before bed, watching a comedy show will be a much better choice.
Unload on someone you trust
Find a good friend or trusted confidante to whom you can unload and get your stress out from time to time. Now and again you may need to do the same for them!
Make a to-do list
If you’re stressed because you’ve got so much going on and so many things to do, make a to-do list for the next day before you go bed, so that you’re less likely to lie awake worrying about all the things you’ve got to do. Prioritise the tasks on that list the next day and make sure you only do the important tasks first.
Closing your mailbox and web browser for an hour or two while you the most important tasks will help you get them done more easily.
5 BEST TRAIL RUNNING SHOES FOR WOMEN 2021
Are you regularly heading off the tarmac and onto trickier terrains for your runs? You’ll need the correct footwear for the job. Emma Lewis tests and reviews the best trail running shoes for women, to help you get off on the right foot…
Great views, loads more greenery, peace and quiet away from polluted streets… there are many reasons people choose to leave the pavements behind and run into the hills, or simply along a local footpath. In fact, if you run almost anywhere that’s not on the road or athletics track, you could call yourself a trail runner. But have you thought about your shoes?
For the best experience, lower injury risk, and increased performance, you should consider swapping your regular road runners for their sturdier cousins – trail shoes. No, it’s not just a ploy to get you to add to your running shoe collection; this footwear is designed to deal with everything from divots, loose stones, and steep, rocky paths to slippery, muddy, and uneven tracks. Read on to discover the best trail running shoes for women on the market…
What makes trail shoes different?
There’s more to these shoes than first meets the eye. Grip, protection, fit, and stability are the four main elements that make up a trail running shoe, according to Milly Voice, trail runner, and Salomon ambassador. ‘Trail running shoes have deep lugs [grips] to give you more traction on loose terrain or mud,’ she says. Then there’s often a special layer underfoot (aka a rock plate) made from plastic or carbon fiber, to lessen the impact of sharp rocks, and a reinforced toe area, too.
‘It’s also really important you have a nice, snug fit over your foot,’ says Voice. ‘This helps to keep you nimble on the trail, maintain articulation and get that excellent ground feel.’ Allow about a 1cm gap between your toes and the end of the shoe to help you avoid blisters and black toenails, and try on shoes in the afternoon as your feet swell during the day, which helps mimic what they’ll do on a run. As for stability? ‘Don’t be put off if trail running shoes feel a little weightier than road running shoes,’ adds Voice. ‘This is due to reinforced heels that keep them stable on the ground and reduce the risk of you rolling over on your ankle.’
What’s the best heel drop for trail running shoes?
Heel drop is the difference in height between the back and front of the shoe and is to do with how your foot strikes the ground. Many regular runners strike the ground with their heel first, so they should have a bigger heel drop (more than 6mm). More experienced runners, or those who land further forward on their foot, may prefer a smaller drop.
Choosing the right trail shoes to suit your runs
- Mainly hard-packed trails? Go for a more flexible, lighter-weight shoe with shorter, more closely spaced lugs (2-4mm).
- Lots of rocky surfaces? A stiffer outsole with more stability, plus rock plates underfoot, toe guards, and rugged uppers are a must. Look for ‘sticky’ rubber outsoles to aid grip.
- Puddles and streams? Choose lighter-weight, well-ventilated shoes over waterproofing to allow the water to drain out and help keep your feet cool.
- Very uneven terrain? A well-supported instep and upper will help keep you stable and balanced.
- Mainly muddy trails? You’ll need deep (5-7mm), widely spaced lugs to stop mud from getting trapped in the treads.
- Running long distances? Look for good stability and plenty of cushioning.
- A mix of tarmac and off-road? Hybrid shoes are softer and more flexible than trail shoes but have better grips than road shoes.
5 best trail running shoes for women
A slightly softer shoe that would work well for trail running newbies, the Sense Ride 4s are thicker than many others underfoot (a heel-stack height of 32mm and forefoot of 24mm), and have a generous 8mm heel drop. They weigh 250g and feature updated Optivibe cushioning to dampen vibration and propel you forwards.
The Endo Fit layer over your foot provides a secure fit, then there’s a tough mesh SensiFit outer. The Profeel film underneath helps protect your feet from sharp objects, while rubber Contragrip outsoles with 4mm lugs deal well with all kinds of surfaces. These are super comfy but a little less supportive than some, and the Quicklaces are a bit tricky to tuck away.
Experienced all-rounders who want a powerful shoe that can cope with everything from rocks to mud should try this one. Born 10 years ago, it has had several tweaks along the way and this version sports a new rock plate for underfoot protection, plus it’s more breathable. The PWRRUN cushioning is quite firm and responsive, while the flexible and durable FORM FIT upper cradles your foot comfortably. The shoes have a minimal 4mm drop but thick soles (27mm at the back and 23mm at the front) and they weigh 270g.
If the grip is a priority, the slightly tacky 5mm PWRTRAC rubber lugs are great for grassy, muddy terrain. These have a supportive feel but are a tad chunkier and heavier than some. I’d pick these to help me keep my form on long, challenging runs.
With these hybrids’ 8mm drop, they’re good for most regular runners. The 4mm lug depth is as deep as many trail shoes, but the lugs are smaller, softer, and more closely packed. This makes on-road running or running on hard-packed summer trails, comfortable, too.
There’s a new BOOMERANG footbed, with long-lasting foam that harnesses your energy and gives it back. Plus, there’s a Powerflow+ midsole to boost this some more. They’re light, at 220g, and you get a really good feel for the ground as you’re quite close to it (it drops from a 20mm heel to a 12mm forefoot). There’s not much arch support, but a really roomy toe box, helping give these a more minimalist, natural feel.
Best trail running shoes for long distances: The North Face Women’s Flight Series VECTOR Shoes (£180)
Wow! You can really feel the curved ‘rocker sole that’s part of the VECTOR, which also includes a high-tech, carbon-fiber plate that sits underfoot to give better energy return, protect your foot from sharp objects, and offer lateral support. Designed for long distances, these 255g shoes feel firm but very well cushioned. The seamless, sock-like upper is super comfy and helps seal out debris.
It incorporates a Kevlar and polyamide Matryx panel to boost lateral support. The 3.5mm lugs handle varied summer terrain comfortably. A 6mm heel drop (25mm to 19mm) should work for most people. As these sit quite high off the ground under the rocker, I felt a little wobbly laterally in them at first.
These brand new shoes are built for speed! At just 200g (lighter than Hoka’s Torrent 2s and Speedgoat 4s), these keep your feet close to the ground (21mm heel to a 17mm forefoot) for excellent control and have just a 4mm drop. All this confirms that these are best for more experienced runners with confidence in their foot placement and less call for lots of cushioning.
The lightweight mesh upper is made from recycled yarn and the gusseted tongue will help keep dirt and debris out. Database Vibram Megagrip (thinner and lighter but just as grippy as usual) and the deep, 4mm lugs on the soles will help keep you upright.
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