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Posts Tagged ‘saving’

3 Steps to Get a Head Start on Your New Year’s Resolutions

December 21st, 2012 by Lifestyle Staff

The countdown to the New Year has begun! Many are now declaring their excitement for a “New Year, New Me”. The most common resolutions year after year are kicking bad habits, improving finances, advancing in careers, having a more positive attitude and/or better love life, losing weight and lastly, eating healthier. Every year many of us wait until the clock strikes twelve to change our ways, and every year more than half of us don’t make it through the entire month before we are back to our old habits. Yet, people continue to make the same resolution every year, in hopes that this year their commitment will finally stick.

 

Others have simply stopped making New Year’s Resolutions all together. Those who don’t make resolutions might be onto something. Here’s why: You’ve already had over 300 days of cringe-worthy dates, disappointing paychecks, and heavy duty moments weighing in on what areas of your life need improving. The anti-New Year’s Resolutions people have not given up on changing their life for the better. Instead their mindset is “why wait another month to make a change, when the  first day of you working on the “new you” could be today?”

 

With three simple steps you can set yourself up for success and have a better a chance at not dropping the ball before the ball drops. 

1. Prepare

The first step towards weight loss has always been going to the gym and signing up. Of course, after the first great workout the motivation wears off and the only thing getting smaller is your bank account as the automatic monthly fee -for the membership you stopped using- continues to deduct itself. Like any resolution, deciding to get in better shape by preparing to do so is an action-oriented step. While preparing to make self changes the most important thing to do is research. Look into how much you want to lose, how much you want to save up, etc. and decide on a realistic time frame to make it happen.

 

Then set up your environment so that your goal is attainable. For example, many people choose a gym based on the best deal or the amenities, but finding a gym that you are going to visit often is all about location, location, location! Find a gym that’s close to your job so you can fit in a workout before you clock in, during lunch or right after you clock out. Also, always have your gym bag stocked and at the door so there is no excuse to leave home without it.

2. Practice

Once you have found a place that fits your needs, location, and schedule it’s time to put your plan into practice. Play around with different types of workouts until you find something you like and fall into a rhythm. It’s about building up until your practice becomes an enjoyable routine. It’s not about perfection. Start with one day a week and continue to build. Try going at different times on different days to see which are best for you. Try out different equipment until you find the ones that will help you reach your ideal body shape.

 

3. Persist

Preparing through planning and research, then practicing until you get into a comfortable groove helps you to build a foundation so that you can persist to the finish line.

Persistence is the driving force when you’re having a bad day or don’t feel as motivated. It’s the voice in the back of your head that keeps reminding you that you’ve already come so far. Once you have this your resolution has become a habit. These steps can apply to any of the things you want to improve about yourself. The key is being proactive. Many of us never leave the starting line, or lose steam early because we think of the resolution as a solution, as opposed to the first step in a proactive decision to be a better version of ourselves. Think about it, if you are proactive about taking the necessary steps to self improvement now, then by the first day of the New Year you will be ahead of the game.

 

 

 

Tell us some of your resolutions and how you plan to keep them below…

 

 

 

 

 

Where’s My Cash Flow? Five Smart Saving Solutions During the Holidays!

December 12th, 2012 by Lifestyle Staff

Feel like you’re completely breaking the bank with all of your holiday shopping? Is your Black Friday, Small Business Saturday or Cyber Monday shopping starting to catch up with you, yet there are STILL gifts and/or travel costs left? Here are five simple saving solutions to consider while shopping for the remainder of this holiday season.

Whenever you break bills and receive loose change, put aside the coins. 
The amount of money that you will be able to amass this way is indescribable. Watch just how quickly you will fill up your money jar(s)! To make it more fun, save each coin denomination in individual jars.


Whenever you break larger bills, force yourself to save ALL $1 bills.
With this particular method, it might surprise you just how much money you will have even after a week. Allot yourself a designated amount of cash for shopping, and once your larger bills have been broken from your shopping excursion, count up your singles and save!

 

 

Force yourself to write down, in a small notebook, EVERYTHING that you spend (not bill money) that has nothing to do with holiday shopping.
Write down everythingincluding that beverage from your favorite store. If any of your purchases have nothing to do with holiday gifts or bills, write it down. THIS is where a lot of your cash goes without notice.

 

As the old saying goes, “Brown Bag It”.
Enough said! You save tons of money by preparing your lunch at home, rather than by spending it daily in the cafe at work or at local restaurants. Make an honest attempt to brown bag it four days out of your five-day work week. Then maybe treat yourself once a week at your favorite eatery for your efforts.

 

 

Put someone else (SOMEONE THAT YOU TRUST AND SOMEONE GOOD W FINANCES) in charge of your savings.
If you’re deciding that you want to save $50 per paycheck, but you know you will dip into it, give it to someone that you absolutely trust not to spend your money. Think of it as a “bill” that you pay, but towards your savings.

Speaking from experience these definitely work with practice and consistency! Some disciplined individuals have even carried these fun saving methods beyond the holidays. Now enjoy not only your shopping, but your saving!
Share more of your fun money saving techniques below…

A Special Online Treat For You!

April 26th, 2011 by Christen

*In the most annoying baby voice ever!* Who’s a fan of saving money?  Yes, You Are!  You’re a fan of saving money & if you could do it from your smartphone, that’ll be ever better!  Yes?  YES!!!


Then with that being said, my good friends at Groupon.com has decided to hook DivasandDorks.com up…BIG TIME!!!  What is GROUPON you ask?  Well my friend, it is the most convenient online source of money-saving coupons delivered to your email DAILY!

I am an avid fan of Groupon emails (actually, I look forward to reading them every morning because they’re tailored to feature stores I shop at regularly and goods I buy anyway…)  For example…I’ve been meaning to replenish my supply of The Body Shop’s Body Butter for the summer…(Hey, I’m no beauty blogger but I know what’s good for me & my skin!) So of course when I saw this deal, I just had to share it with the world!

…and of course I bought THREE of them!!!

 

The neat thing about Groupon is that they don’t spam your email with deals for hardware stores or sign language classes (unless that’s your thing and if so, I’m not judging you…) they do however, send you useful emails for places you frequently eat, shop or play!  You can check them out and buy them conveniently from your smartphone — who says you can’t save money while you’re on the go? So why wait for another money saving miracle and start saving money today with Groupon.com.

SIGN UP for your exclusive money saving Groupon account HERE for free!

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