Credit Cards, Enemy & Best Friend

Credit cards can be your best friend or worst enemy, depending on how you use it. Credit cards are designed to actually help people with their finances. Problems only arise when they are misused.

How does it become your enemy?
Spending money can be very addicting especially when you only use credit cards to purchase items, order food, travel, and pay bills. You get to buy things that you want even when you have no money  in your pocket. However, there is a fine line with the use of credit cards. You need to pay what you have spent so your account won’t be smudged with a bad credit history. And you know what happens when you have a bad credit history.

Your job, loans, insurances, properties, and even your business can be put to risk. You will be seen as someone irresponsible in handling money and so, no one will trust you in the future especially with lending funds that you need. Your properties can be forfeited and your business can be shut down. You will have all sorts of problems with getting a job just because of the teeny-tiny mark on your credit account. In fact, misuse of credit cards can lead you to bankruptcy, imprisonment, and lifetime financial constraint.

How does it become your best friend?
There are a whole lot of rewards that you can claim through the use of credit cards. And these benefits can be even bigger when you know how to control your spending. Reward cards and cash back are only a few of the examples on how you can extend the use of your credit card. It enables you to have freebies and extra money to spend on food, gas, hotel and ticket booking, and other basic necessities.

However, to make credit cards your best friend, you must always treat them only as an assistance to your finances when you don’t have any cash with you. It should not be your ultimate source of money and you should always pay back what you have borrowed.

Be diligent to pay your credit card bills and be on time so you won’t get premium interest rates for the delay. Monitor your score frequently and make sure that you can still make up for what you have spent.
Lenders and banks will be pleased to give you low-interest rates if they see that you are a low-risk investment.

Top Ways Sickness Gets Spread at Work

All transmittable illnesses and infections are linked to the spread of pathogens, commonly called bugs. These bugs include viruses, fungi, bacteria and other microscopic organisms that enter the body. Often, humans will not experience the symptomatic responses to a pathogen for quite sometime after they are infected. This is because the protozoa may take time to multiply enough to trigger the host’s immune system. What’s dangerous about this is that the infected person could unknowingly spread that disease at home, at work or in public during this time. For adults, the place we are most likely to contract a disease is at work. Here are five of the top ways in which diseases are spread in the workplace:


Contaminated objects and food – Like anyone else, someone carrying a pathogen will touch stuff, a lot of stuff. Be mindful of all of the surfaces you yourself come into contact with on a daily basis. For example, many offices have kitchens. Kitchens in an office building are not your typical home kitchens that in that many more people will touching any and all of the surfaces. Contaminated food is one of the easiest ways to ensure the transmission of pathogens, so wash your hands and encourage coworkers to do the same.


Contact with body fluids – Saliva, faeces, urine and blood can all carry a pathogen to another person through cuts, abrasions and other mucus membranes. For the work environment, the mouth and eyes are two mucus membranes of concern. The next time you scratch your eyes in a fit of exhaustion at your desk, consider what pathogens you may be giving to yourself.


Lack of personal hygiene at the office – When it comes to hygiene and disease prevention, hand washing, bandages for wounds, gloves and using your own personal items are key. At the office, the most commonly broken rule is hand washing. After visiting the restroom, thoroughly wash your hands with warm water for atleast 15-20 seconds each time, especially before preparing food. Be sure to dry hands thoroughly as well. If you notice a cut, an abrasion, or some other form of open skin, be sure to use proper bandaging. Don’t share towels or any other personal items with coworkers. And finally, though it may seem heavy duty, consider wearing gloves during your daily commute, especially if you use public transit.


Keep and open dialogue – Information is key to fighting any pathogen. Even the most embarrassing ones such as head-lice must be discussed. This will allow your organization to inform everyone, helping them prepare to take the proper measures for prevention. If a coworker is confirmed to have gone to work with a case of head lice, seek treatment as soon as possible, and consider getting a lice removal service.


Cleanliness in the workplace – Keep communal spaces sanitary is just as important as personal hygiene. Be sure to have all surfaces including floors, bathrooms and other surfaces cleaned regularly. Wash walls and ceilings on occasion and thoroughly clean  the washing tools themselves, as contaminants can often build up on them over time. Be sure to also take the proper precautions when using disinfectants and other chemicals, such as wearing gloves and goggles.



Tips For Low Budget Small Business Video Production

While companies both large and small stand to benefit from using video content, small businesses may need to approach the production process with more strategy. For instance, producing a live action video can cost between 1 to 50 thousand dollars, while animated video is equally steep from 1 to 30 thousand. Even a simple piece of video testimonial content can be a few hundred dollars. Small businesses don’t usually have so much money to throw around. Fortunately, there are is a low budget approach to video production. Here are five tips on how to get started with little cash:

Consider reusing old photos and material – An easy way to save money on the video production process is by re-purposing old material. This means weaving in old photos and even video clips to help create an all new piece. If you already have a webpage for your business, a social media website such as Facebook, or some type of content like a brochure, you already have a large collection of photos to use.

In particular, you’ll want to keep an eye out for photos that either feature you alongside your workspace or store, the product, your customers using said product, or your logo. Once you have them, compile the photos such that someone can readily determine what they are looking at. This mean captions and titles. Envision the story you want the video to tell.

Do it yourself – Rather than hiring a professional, do it yourself for less with a simple handheld camera. However, keep in mind that a minimum level of professionalism will go far. This means good lighting to showcase your product or persons in the best way, a stable and focused shot, and a landscaped instead of vertical shot.

Tap into on hand talent – Rather than pay money for celebrities or actors to pose alongside your stuff, look within your company. When you let your team take part or even star in the company video, it builds the overall character of your organization. See it as a free way to boost worker morale.

Editing for free – Who needs to hire expensive professionals to edit your video? There are many affordable tools that can be used to edit and organize photos or video pieces to create original video content. Some examples of free and easy to use editing tools are Windows Movie Maker and iMovie. However, if you lack any editing know how whatsoever, there are even easier options that help edit video more quickly such as Animoto. This program makes the photo and video compilation process a breeze. You’ll even get help when it comes to music, captions, and other handy effects.

Affordable licensed music – Music is important when it comes to setting the right tone for your message. However, most small businesses cannot afford to license the music they use commercially. However, there are plenty of free and affordable options when it comes to licensing music. Many actually collect and keep thousands of tracks that are already commercially licensed and ready to use.

How I Am Dealing With Down Sizing My Home

Whether you and your family are planning to move down the street, across the states, or even outside the country, moving comes with challenges for every member of the family. As you handle packing up those moving boxes, getting paper work done, and hosting going away parties, it can be easy to let something as important as your children’s education fall through the cracks. For those of us who homeschool our children, this preparation usually happens with the children right there with you. This reality can put extra stress on families that homeschool, and that is why we’ve developed these tips to relieve it:


  1. Relax your plans – A big move will call on you to sacrifice much of the time you otherwise would spend teaching your children in the way you always planned. The best tip we can give you is to accept that you may need to loosen those plans in order to focus on the big move without extra stress. If you let the move make you a stressed out wreck, this will negatively affect your child’s learning anways. After all, once you finally do settle into the new home you can provide the quality and attention to detail you had always done before.
  2. Be open minded about learning techniques – Although you may need to drop some of the plans you had to cover all of the science or math you wanted to teach your child over the next few months, understand that there are other just as beneficial approaches to learning. Studies show that focusing on just one subject for a shorter period of time each day over the course of a few months can increase their understanding of that subject in ways the benefit in the long run.
  3. Get help – While hiring movers for the big move itself can greatly reduce the stress of moving, consider hiring a close friend to help your child with a project you have assigned them. A tutoring session for just one hour a week could make all of the difference for your child.
  4. Teaching them to adapt – Moving will give you and your child an opportunity to practice adapting to a new environment, an experience that homeschooling and any type of schooling does not always provide. So take advantage of this process as a chance to set an example for your child. Talk to them about how best to handle the change, why it is a positive thing, and how this new learning plan is great for reasons that may not be obvious.
  5. Reading at night – Reading to our children before they go to bed is one of the most well-known ways of teaching your child during their early years. Remember that whether they are 3,4 or 12, some form of this type of learning can and should still be accomplished. Set up a time before bed to have them read a chapter, and then discuss it with them. Reading at night will also leave more time free for you to handle the move during the day.



Why You Should Have an Early Morning Routine

Having an early morning routine helps you to stay active and positive all throughout your day. It also keeps things organized so you don’t mess up your to-do list. A morning routine is essential to start a day with purpose and positivity. You’ll have a lot of activities and work ahead waiting for you and you need a clear mind and active body to work on every single one of them. It also helps you finish things on time and with quality.  Read on to learn more of the benefits of having an early morning routine.

Physical and mental Benefits
Having an early morning routine has effects on both physical and mental being. Studies show that, people who have early morning routines is likely to have less depression, anxiety, and stress that may cause fatigue and major physical issues such as heart attack, cancer, and stroke. Early morning routine guides you to having a healthy life. As soon as you wake up, you should warm up your body and begin to become active such as working out, preparing healthy food, drinking tea, taking a cold bath, and eating only food that cleanses your body from toxins.  With these, you will eliminate bad cholesterol and be energized without the need for caffeine.

More Quality Time
The world is giving us so many demands that we have to meet all throughout the day. An early morning routine will help you get through your tasks consciously and finish them on time, without dragging yourself. Before you start your day you’ll be thinking of the things you have to do, since you don’t want to waste time, you’ll be forced to work early and accomplish everything on time. With this, you’ll get more quality time to spend for more important things in your life.

You’ll improve your productivity and be more focused
When you have an early morning routine, you get to finish more tasks. At 9 A.M., you’ll find out that you have done so many things that you didn’t do before. The best part is that, you don’t feel tired, rather you feel great and rewarded. It is easier to accomplish work and you get to do more at the end of the day.

Morning rituals are the key to start your day positively and productively. In the beginning, you may find this as a daunting task, but don’t give up. As the time goes by and with great determination, you’ll feel great every day and get used to it.

Switching Up Your Living Space For Vibrancy

Our home is where we share the foundation, values, and principles with our siblings. It is where we grow together. These traits become the family’s common and shared sense of principles.  Our home is the comfort of the community, the accomplishment of the church, and the affluence of the country.  So how do you tweak your living space to make it livelier?

Choose colors that uplift your mood
When we do house interior designs one way to boost it is to choose the colors that would reflect or inspire our emotions, set a specific mood to a room or create an illusion of space. It is one way of producing a healthy and good-looking home.

Choose bright colors
One way to create an illusion of space is by using bright colors like yellow to make the room brighter and more effervescent. Using common white colors is not as effective, although it creates space; it is not as effective as compared to bright colors.

Red on the other hand, has been observed to create an appetite. It goes well in the kitchen and is one reason why some food chains have red patterns, walls or table cloths.

Choose warm and inviting colors
You can warm up your home with deep tones like red and oranges, and colors of that hue to make it more welcoming. Red though, can have an effect for people who have high blood pressure and is usually associated with irritability. Deep tones however, can be a nice color during the winter time as it creates an earnest feeling during the cold days. Colder tones can be used during hot and summer days like blue. They make your home feel fresh and clean during those hot days.

Choose basic colors
You can also use familiar colors that make you remember your childhood days, to remind you of your tender remembrances. It can make you reminisce the past and would make for a pleasant mood.  You can also embrace relaxing colors on your bathroom or bedroom like the shades of blue, lavender, or any dark shade to make you more relaxed and comfortable. These colors have been proven to make you feel calm and tranquil.

Green can be used in the office or if you have a home office. The color makes you feel more concentrated on what you are doing and makes you do your job faster. The yellow shade can inspire optimism and can be used in the entryway of your house to boost your optimism.

Setting Small Goals For Big Goals

Sometimes we are afraid of dreaming big. We think of the different impossibilities and the hurdles we need to take just to achieve our dreams. But actually, when you dream big, it doesn’t mean you will have to start big as well. No. Only the richest in the world can do this.

Work on the smallest ingredient of your dream and gradually, push yourself to work on the bigger ones. The only thing you need at this point is to have great determination. No one actually starts from the top. Even the people who became the most wealthy all over the world, start their journey from scratch. They start from a small scale and turn out into big. They made it because they are determined. Though it will take time, they are willing to do it until they reach their final goal.

Follow these simple tips on how to break down one big puzzle into smaller problems that you need to solve.

Crackdown your big goal.
Know the bottom line of your big goal. Just like if you are asked to build a building. Before it stands as high and big as a mountain, workers start building it with small pieces of bricks and stone. Without the little materials, the building could not stand all alone.

Make a plan.
Start making an appropriate plan on how to solve the jigsaw puzzle of your big goal. You start by making a feasible and practical plan. This includes all of the problems that you see you will face in the near future. You should have suggested and realistic solutions to each one of these problems.

Write down achievable goals.
Set achievable goals either per week or per month. You can also make it per day if you want. Be realistic at any cost and don’t fantasize. Determine what you can really achieve on a short time basis to not waste your time, money, and effort.

Prepare yourself for larger tasks.
Gradually when you already become more capable of handling different things and situations, your next step is to start acting. Start making that dream a reality.

Celebrate your achievements. With these tips in mind, you can make everything happen according to your plan. In every challenge you face and achievement you reach, every little effort you put on it is worth it. Failures really come along the way. But don’t forget to always dust yourself off and start again (from scratch if it’s what’s necessary).

Gloomy Debt and Depression

There’s no use in sugar-coating the very real and relevant topic of gloomy debt and depression. These are universal phenomena that afflict each and every human being who has crossed over to the adult world. If puberty already was a drag, adulthood is even way more dragging. Honestly, it can be really cold, harsh and, yes, sometimes depressing. But it is a naked truth that we should talk about face to face, without masks and pretenses. Let us begin dissecting these two inseparable subjects: gloomy debt and depression.

Transition from Childhood to Adulthood

As very young children, all we did was play. As we started growing up, some homework and little chores are gradually mixed with play. As we got older, this work-play balance becomes irreversibly overturned. The older we got, the more work we had to do. And play is sometimes no longer an accessible option, but a scarce privilege. That’s the reality of it all, and reality does bite, when you come to truly think of it. Perhaps that’s the whole idea behind the story of Peter Pan, who remains a child forever. The author’s solution is to remain in childhood, never having to cross the bridge to adulthood. But fairy tales are fairy tales. In the real world, all of us have to grow up. No exceptions.

Puberty is the in-between phase wherein we start to figure out this harsh reality. And at this young age, everything can be confusing. Life is like one big blur and you don’t really see anything clearly amongst the confusion. At this transitional stage, we are bombarded with overwhelming responsibilities. Responsibilities that we never even heard of as children, but will be our eternal companion as young adults and until we turn old and grey.

The Root Cause of Depression

This is most probably the root cause of depression— the sudden, inevitable and overwhelming major life changes, transitioning from being a happy and carefree child to a stressed adult.

Most of us chant to ourselves on a daily basis “I’m okay, I’m okay,” when we’re actually not. We put on our best clothes and our best smiles, trying to prove to ourselves and to other people that we’re okay. And this further and further deepens our anxiety, transforming it to a full-blown depression. In a nutshell, we are depressed because we can no longer do whatever we want but are now bound by endless obligations and responsibilities. We experience depression when we feel no sense of control in our own life.

Debt- A Forerunner to Depression

From being spoon-fed and spoiled babies, we are forced to grow up into hard-faced adults with hard responsibilities. All our lives, we have depended solely on our parents, not only for all the love and comfort but also for financial coverage. But as part of growing up, we had to learn how to deal with the money problem ourselves. And if our transition from being a financial ward to being in full financial custody of ourselves is not smooth, then we end up in debt.

Majority of young adults today are still paying their student loans. And for a young professional just starting out in the corporate world, being buried in debt can be daunting and demoralizing. Anxiety and depression silently but surely creeps in, and nervous breakdown and suicide are the misfortunes that patiently wait at the end of the line.

The Real Solution

With all this talk on gloomy debt and depression, fortunately there is a solution. Acceptance, understanding and an open, child-like mind are the key. Simply stop trying to be the controller. Accept and understand that you can’t control everything. Do what you must, but learn to let go of the things you can’t control. Learn to meditate and find the balance in your life, like a beautiful lotus flower that remains undisturbed amidst troubled and murky waters.

Getting My Life Prioritized

Every day I’m asking myself about the kind of life I want to have. I can’t easily come up with the answer because of so many thoughts and worries that are running through my mind. Even when I’m trying to convince myself that I want this or that, I always end up confused by the uncertainties, the “but’s”, and the “what if’s”. It’s sad and unnatural, but it seems like I almost forgot my very own existence.

Sometimes you will be in a situation where you are obliged to do so many things your mind tells you to do. Until time passes you by and you already forgot what you really want, and neglect to see things that are more important. Your own life becomes your least priority and in the end, you feel regretful and unhappy.

No one wants to feel sorry for themselves. Everyone has their own dreams and ambitions. Time is short so better not squander it and regret the days you left without doing anything special. Make your life prioritized. Grab your pen and piece of paper and write down the things that will benefit your own life and happiness.

Here is how you can make your heart and mind decide what will be your life priority.

List down everything that is important to you.
This will depend on your life interest. For some, their life interest is their family. They dedicate their life to their family and make them their top priority. While for others what matters most is their own personal achievement. Whether money, career, good health, and spiritual advancement. Decide what matters to you most and list them one after another starting from what is more valuable to the least important.

List down your usual activities.
This is where you often spend your time every day or most of the time. Aside from work, most people usually spend their time on their hobbies and in developing skills. These activities are natural for everyone, however sometimes these are considered only a side trip. But if you find happiness in it, and that you can be yourself in it, consider your hobbies and talents as something that you need to prioritize in. Who knows, you could be the next big wonder.


After listing down everything that you want to achieve and want to do, decide then what will be your life priority. Know it by your heart and think about it very clearly.

Now that you have decided where do you want to lead your life, make it happen.

Don’t Feel Bad About Having Fun

Having fun is quite an innate experience for all of us. It is what we learned first when we were just growing up. Some of us may feel guilty when we are having fun because during our childhood, we were reprimanded because we were chortling too much on the side while we were with our parents. Or possibly, when growing up, we think that doing something that we think is fun, is not socially acceptable.

Enjoy life to fullest
The guilty feeling is also one glue which keeps our community intact prompting us to observe the best concern of the community and act at its best interest. Enjoying your life is not bad at all; disregarding happiness will not help you any way. No one will benefit if you constantly remove the joys out of your own life. Instead, you should enjoy the good things that come in your life and cherish it.

Be aware and thankful for the bits and pieces of fun moments that come to you in your daily life. Ultimately these fun things that we do are the ones that are worth remembering. They give us the energy and strength to live our life more at peace.

You don’t even have to feel bad about the little things that make you happy like taking the last slice of the pizza or cake. It should not make you feel guilty if you take the last item on any get-together. You do not have to create a picture in your head like you are gobbling it right up and everyone is watching you.

When being alone means happiness and fulfillment
You do not even have to feel bad when you are doing things all alone as long as you personally see it fun. It is not a sign of being anti-social. Some things are simply done better alone than involving other people around. And you don’t have to feel guilty if you are single. No one is entitled to make a judgment about your status. Your parents do not have to nag you about when your girlfriend or boyfriend would be coming for a visit.

Having fun can be a good way to boost our social and personal life. Having fun with our friends build a long-lasting relationship and trust, having fun with our family helps our family ties grow stronger. It is alright to feel guilty once you have too much, but always make sure that when you are having fun you are not stepping on other people’s feelings.

Don’t feel bad about having fun!