ORGANIC HEALTH & HOME, SEX & LIFE

Transforming Your Financial Health In Just 5 Easy Steps

Transforming Your Financial Health In Just 5 Easy Steps

Pixabay CC0 License

Want to improve your financial health? Of course you do, and it can be a lot easier than you probably imagine. As long as you know how…

Here are five easy steps that can generate significant upgrades to your immediate and long-term financial health. Here’s everything you need to know.

#1. Stop Hoarding

First and foremost, you should learn to appreciate the fact that you’ve probably got money sitting around the home. Check out the going rate junk cars fetch, and you’ll think twice about the vehicle sat in your front yard. Likewise, old electronics, clothes, and furniture are all worth money. It’s not uncommon for households to be sitting on a four-figure sum in unused goods. So, if you’re looking for a quick and easy way to generate extra funds, this is the perfect solution. 

#2. Focus On Home Savings

As far as ongoing savings are concerned, your home holds the key to success. Whether it’s saving money on appliances or learning to repair furniture rather than replace it is up to you. Either way, the savings that can be made around property are very significant. Even monthly savings made from changing subscription services can soon add up over the course of a year. While this has always been the best place for implementing change, we now spent more time at home than ever before. Embrace it.

Pixabay CC0 License

#3. Invest In Your Credit Score

Financial health isn’t solely about the money sitting in your account. Long-term stability is an equally essential feature, which is why your credit history is so vital. A healthier credit score will unlock new borrowing opportunities and better interest rates. You can check your free annual credit report to gain valuable insight. Use the insight to build a better credit score over the months to come. When you do, the benefits will be clear, even when you do not need to borrow. If nothing else, it brings peace of mind.

#4. Grow Your Retirement Savings

Sticking money in a 401(K) is great. When retirement arrives, though, you’ll probably require a much bigger pot of money. Therefore, investing some money in a diverse portfolio of stocks, crypto, and commodities will serve you well. You only need some of the investments to pay off for a long-term reward. For some investors, the best option is to build a property portfolio. Not least because you can leverage success from borrow money. Either way, though, securing your future is vital.

#5. Learn To Say No

Bad habits are costing you dearly. While there’s nothing wrong with enjoying life, a little responsibility goes a long way. Learning to say no to lending friends money could make a huge difference. Likewise, quitting bad habits that do not actually enhance your life will improve your health and wealth. Sometimes in life, avoiding negatives is as important as investing in positives. Financial habits are among the clearest examples. Now is the time to make it happen.

Give it a few months, and you’ll see big changes.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

ORGANIC HEALTH & HOME

Enhance Your Home’s Natural Beauty and Make A Quick Sale

Enhance Your Home’s Natural Beauty and Make A Quick Sale

If you’re looking at ways you can make a quick sale with your home, this guide will help you. Possibly one of the most effective and easiest ways to do this is to enhance your home’s natural beauty and work with what you’ve already got. Not only will this make your job easier, it’ll also make your home look so much more attractive to buyers without needing to do too much at all. With that in mind, here’s how you can enhance your home’s natural beauty and make a quick sale:

  1. Remove Window Dressings And Let In Natural Light

Rather than keep window dressings up, take them down and let in natural light. Natural light is a natural mood booster, and one of the best things about it is that it can help to make the space look bigger. Letting natural light in and showing a buyer the potential a room has is a very smart move. It can also be wise to do this, as some people may wonder whether you’re actually selling the window dressings and similar furnishings with the house. If you don’t want to do this, then removing them altogether can help you to avoid confusion. 

  1. Give It A Deep Clean

A deep clean is a fast and effective way to make the house ready to sell without spending time redecorating and spending a ton of money. You may even want to hire somebody who knows what they are doing to ensure that the job is done properly if you’re not the most skilled cleaner out there. You’ll not only want to clean the obvious places, but make sure the less obvious places are taken care of, such as inside storage cupboards, on top of doors, and even the oven. 

  1. Add A Fresh Coat of Paint 

A fresh coat of paint is a super easy fix and can instantly refresh a home’s interior. Just use any leftover paint you have. You don’t even need to go out and buy a new tub, unless you’ve been advised that a new color could help you to make a sale. Be advised that neutral colors often sell better as potential buyers can better picture their own personality within the home. Bright colors can confuse them as it isn’t to everyone’s tastes. 

credit

  1. Have Flooring and Cabinets Refinished 

Having your flooring and cabinets refinished could be a wonderful idea if you’re looking to give the place a feeling of newness without actually replacing anything and spending a fortune. Looking into hardwood floor refinishing could mean enhancing what is already there perfectly, and while it isn’t necessarily cheap, it’s going to be much easier and more affordable than hiring somebody to replace the floor. You can still add value by working on what the house already has. 

  1. Try To Utilize Small or Awkward Spaces in The Home

Take a look at any small or awkward spaces in the home and see if you can get some inspiration for what to do with them. Don’t hide them! Trying to hide them always looks obvious and it’s a missed opportunity. This could be wasted, pointless space, but if you use your imagination you could also help a buyer’s mind to run wild. How about turning that empty corner into a mini library or reading nook? There’s all kinds of inspiration out there. 

  1. Perk Up The Curb Appeal

See if there are ways you can perk up the curb appeal of your home. Mow the grass, wash your car and windows, get rid of weeds, and find other ways to tidy up and make a good impression. You might think that the exterior doesn’t matter as much, but the first impression the home makes on potential buyers does. They are going to make their mind up about it when they see it, whether they want to or not. If you want to go the extra mile, you can paint your door a brand new color, install lighting, and create a clear walkway to the door. 

  1. Don’t Completely Depersonalize It

You want to declutter the home in any way you can so that buyers can see their storage opinions. However, you shouldn’t be completely taking the personality out of it. A little personality left stops the place from looking like an uninviting show home, but there’s a fine line! You want them to picture themselves in the space, not you living in the space. 

The above points are going to be the quickest way to get your home ready for sale!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

SEX & LIFE

What To Do If You Suspect You’re Being Cheated On

What To Do If You Suspect You’re Being Cheated On

Credit – CC0 License

Nobody wants to be in a position where you think you’re being cheated on. It’s horrible because you feel like you’re paranoid, but all of the signs are there. Your partner spends hours away from you with no contact whatsoever – not even a message. They seem very panicked and twitchy when you walk by them, and they’re on their phone. No doubt you’ve seen many quick closes of WhatsApp or Snapchat when you’re around them!

None of the signs are good, so what do you do when you suspect you’re being cheated on? Realistically, there are only a handful of things you can do besides hiring a P.I. like these Manchester private investigators, to gather evidence of your suspicions. However, you can try a few of these things first, before hiring a professional.

Read: CAN YOUR RELATIONSHIP BE FIXED?

Ask your friends for advice

Speak to your friends and ask them if they think you’re being crazy or not. They may see all of your evidence and suggest that you have a genuine thing to worry about. As a result, they might help you uncover the truth behind all of the lies. Perhaps they will try to follow your partner when they go out, seeing where they go. Or, they could talk directly to your partner to see how they feel about your relationship. This works best when you have mutual friends that both of you talk to a lot. At the very least, your friends can provide support if you need it. 

Consider taking more drastic measures

The problem with this situation is that you may have to take some slightly unethical measures. Well, they’re only unethical if your suspicions are incorrect. You could hire a private investigator or a Snapchat hacker to get to the bottom of things and look in on what your partner is doing. This will help you see things that you’d otherwise be unable to see. If anything, ideas like this will guarantee that you find the truth. It’s a terrible situation because if everything checks out and they weren’t cheating, you feel awful. Do you have to tell your partner what you’ve done? You could argue that their dodgy behaviour warranted this, but it’s a tough debate to have with yourself. Regardless, you should only jump to this step if you are very confident that something is going on, and you need proof before making a confrontation. 

Read: RELATIONSHIP ON THE ROCKS: SHOULD YOU STAY OR SHOULD YOU GO?

Speak to your partner

Ultimately, this is the best thing you can do. Okay, it’s not the best, but it’s a step you can’t avoid. You must confront your partner with your suspicions and lay all of the evidence before them. This way, you can show them why you’ve been suspicious. Even if you’re wrong, the evidence you present should be enough to make them understand why you thought this way. As such, they can’t be annoyed at you if they haven’t done anything wrong. Sadly, in situations like this, your intuition is normally correct, and they have been unfaithful. 
Like I said, this is a part of a relationship nobody wants to go through. Cheating is wrong on so many levels, and there are various reasons people do it. Don’t jump to conclusions; spend time monitoring your partner’s behaviour and collecting evidence before you confront them. Then, it’s up to you to decide what happens next.

​Tia and TipsfromTia.com are trying to keep you looking good and
feeling good from the inside out. If you’ve got a problem or a tip, email me! Be sure to Like and share on Facebook or Follow on Twitter, TikTok, or Instagram.

BEAUTY, FOR THE GUYS

Top Tips For Men’s Skin Care This Winter

Top Tips For Men’s Skin Care This Winter

We are now in the autumn and before we know it, winter will be upon us and with that is cold, harsh weather. This can play havoc with our skin, leaving us with dry and often sore skin.

Men, in particular, tend to neglect their skin and leave it to the elements. They are more likely to be working outside, they are more likely to be shaving their faces and much less likely to be using any skincare products. Put all these things together and you have the perfect recipe for sad winter skin.

Here, we look at some of the things that you can do to help protect your skin this winter so you can have skin that feels smooth, soft and perfectly touchable. 

Image CC0 License 

Clean your shaving tools

No matter how good your cleansing and skincare routine is, if your tools aren’t clean, your face won’t be either. For example, if you are using a beard trimmer or a razor and do not clean them in between uses, you are transferring all of the dead skin cells, oil, and grime back onto your skin. Not only is this pretty gross, but it is a cesspool of bacteria which can even cause infections of the skin.

Make sure you clean your shaving tools in between use. And remember, if trimmers begin to show signs of rust or damage, get rid of them and buy new ones straight away to avoid injuring your skin.

Moisturize

If you are going to do one thing for your skin, whatever time of the year it is, make sure you moisturize it. Moisturizing is not just for women – it is for anyone with skin! It is especially important to use a moisturizer along with other skincare products from letsdisco.co in the winter to replace all the natural oils and moisture lost from your skin. Opt for something rich and luxurious and slather it on every morning and every evening after cleansing. 

Invest in a humidifier

Skin is our largest organ and reacts to our environment. In the winter, when we have our central heating and car heating cranked up to full blast, hot, dry air is pumped around the space that you are in. This plays havoc with your skin, causing it to feel dry, itchy and flaky. Combat that by increasing the amount of moisture in the air. The best way of doing that is to put a humidifier in the room and get yourself a good supply of distilled water from somewhere like Golyath so that the air that is pumped into the room is as pure as possible.

Quality humidifers disperse moisture into the air that will hydrate you and the air around you. This will not only benefit your skin but your hair, eyes, and overall health.

Keep it covered

The two main causes of skin dryness in winter is cold and dry air. If you can minimize your skin’s exposure to harsh winter winds and cold, dry air, you can stop the natural oils of your skin from being stripped away. Where possible, wear gloves to protect your hands and use your scarf or collar on your jacket to cover your nose and lips. The less contact with the cold air and your skin, the better.

Keep hydrated and eat well

This is not really a winter skincare tip, but more of an all-year-round skincare tip. One of the best things that you can do for your skin, and general health, is to drink plenty of water and eat a healthy, balanced diet. When it comes to winter, we tend to eat lots of rich, heavy comfort foods and, when it comes to Christmas, drink lots of alcohol. This will leave your skin looking and feeling dull, lifeless and feel pretty horrible to touch. Balance out the beers with plenty of water and have a side of veggies with that pizza. It might be boring, but your skin will thank you for it. 

Slough it off

This is a part of the skincare routine that many people – men and women – omit, but a gentle exfoliator or scrub will clear the skin of dead cells that cling to the face, clog up your pores causing acne and blackheads and make your skin look dull and patchy. It is particularly important as you get older – at the age of 25 or so, the rate that your skin sloughs off dead cells naturally slows down. Avoid the sandpaper though; something light and gentle is the way forward.

Taking care of your skin is not just something for women. Taking care of your skin helps your skin feel and look great, whatever the weather and whatever your age. 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

TIPS IN ACTION

Financials For Coffee Shops

Financials For Coffee Shops

Pixabay License

Free for commercial use

No attribution required

You won’t have to walk far to find a coffee shop in the United States. We love our coffee, which is great for you in terms of demand, but means there is always going to be strong competition coming from all angles. 

This is why you need to create a loyal consumer base by reaching optimal levels of efficiency and organization. An effective online management system ensures you stand out from others in the industry. 

Needless to say, COVID-19 has also brought further troubles to the industry, making it more difficult for small businesses around the country. Social distancing can mean that you are able to take fewer coffee orders throughout the day, which is why it is critical to look into the financial side of things. 

An online accounting system can help you to make sure that you have all of your money in order. Below, we are going to look at the different areas to consider, all of which can be managed with a financial solution that is integrated and tailored to suit your coffee company.

• Payroll – By managing your employees’ payroll electronically, you can be sure of ultimate ease, efficiency, and less margin for human error. 

• Debt Payments – Managing debt is vital for any business owner. Read up on DTSS sovereign if you need some help and assistance with this.

• Cash flow forecasting – Cash flow forecasting is a vital component when it comes to business success. Inefficient handling of this area of your business can lead to huge problems. You should automate your cash flow so you can have a firm grip on daily finances, bills, and expenses.

• Credit control – Stay on top of your credit for optimal financial security. 

• Card payment facilities – Most customers will want to pay using their credit or debit card due to COVID-19. Make sure you give them this option with card payment facilities. 

• Budgeting and profit projections – You can’t stay in the here and now if you want to reach your ultimate potential. By staying ahead of the game you’ll reap the rewards in the future by maximizing profits.  

• Management reporting with KPIs – This is an essential component in driving your business to achieve its strategic goals. 

• Point of Sales systems – Effective Point of Sales systems ensure this area of your business is handled successfully, whilst also presenting you with excellent data for moving forward.

• Stock control across a number of outlets (for those with more than one shop!) – There is nothing worse for a coffee shop than running out of supplies. Make sure this does not happen by keeping track of your stock and orders. A good system should enable you to do this.

• Customer loyalty programmes – Everyone has a favourite coffee shop. Make sure you are that shop with our effective customer loyalty programmes. 

• Sales discounts – Customers love a good discount! By managing sales and discounts effectively you can make better decisions so that you reap maximum profit potential from any sales are discounts you have running. 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Everyday Tips from Tia