Life-Skills

  • How To Get Through To An Unapproachable Woman

    Approaching women: we aim to act suave like James Bond, but often come across like the French skunk Pepe Le Pew, pursuing a cat that doesn’t quite hear our call.
     
    The initial approach is a game of cat and mouse that is made much harder by the fact that women love to be a challenge. They’ll act nonchalant and hard to get, and it’s on you to figure out whether she doesn’t want to be approached or if she’s just making you work for it in the name of courtship.
     
    To crack this girl code, we sought advice from a diverse trio of ladies that are familiar with the matter. Pop stars Charli XCX and Tinashe, and former Miss Universe Olivia Culpo (2012) were all at SoBe’s 21st birthday party in Las Vegas, where the brand launched two new flavors of the drink (Midnight Mojito and En Fuego). After the show, we caught up with them at the pool party to get their approach on approaching.


     

    Photo courtesy of Getty Images

    A Challenge Or Not Interested? 

    Approaching women would be so much easier if we knew one key thing going in: is she interested?
     
    “There are some signs that can indicate she might be interested. Woman might do subconscious things like play with their hair or orient their body towards your direction,” says 24 year-old global pop phenomenon Charli XCX. That supports what a lot of dating experts have suggested. A woman might not be blatant about it, but she’ll subtly make moves to communicate interest, like moving closer to you, getting in your line of sight or making eye contact. Olivia Culpo, the former Miss Universe, believes the eyes can reveal her intentions.

    Photo courtesy of Getty Images

    “If there is no eye contact then that reads stay away,” says Culpo, who was crowned Miss Universe in 2012. “Body language can reveal a lot. If a woman is making eye contact and smiling then move on in.

    Why Do They Play Hard To Get?

    There are a number of theories as to why women like to be appear indifferent during the approach phase. Maybe she has a boyfriend, maybe she had a bad experience with a previous guy or maybe she wants to be a challenge to weed out the men who aren’t confident enough to approach her.
     
    “That’s a factor. Everyone initially will have their standards for their potential partners,” says Tinashe, who’s smash hit "2 On" has now surpassed 125 million views on YouTube. When it comes to standards, remember that the most beautiful women get hit on quite often. That means they don’t need to broadcast their interest, even more so because they’re getting attention either way. But as we head down the spectrum, the other women are more likely to give you some cues, and that’s why we feel those women are more approachable.

    Photo courtesy of Getty Images

    The other factor is that women like to be chased. Actually, it’s not a just a female thing; we all like that feeling.
     
    “I think everyone loves the chase. Girls like the chase and so do guys. We all like to know that we’re wanted,” says Tinashe. It’s feels warm inside when someone expresses their interest. We’re an approval-seeking species, so when someone is hitting on us, it hits the spot.

    How To Talk To An Unapproachable Woman

    The key is to be confident, be original and be yourself. The hotter the woman, the more she’s been hit on, which means she’s not easy to impress. Going in with pickup lines or common strategies are things that she’s seen before and is probably sick of.
     
    “Have a sense of humor and be natural,” says Tinashe. “Don’t use any type of line. The best way to approach a woman is to be yourself and act as natural as possible. Just think about having a normal type of conversation. Sometimes guys over-think and then their approach doesn’t seem natural, so it gets weird.”
     
    We put hot women up on a pedestal. It’s just something we do as men. But they’re just people too, except they just play a different position in the dating game. If you’ve never been a cute woman on Tinder or a babe at a bar, you might not realize how often they’re approached. Understanding their perspective will help you get through to them.

    Improve Your Odds

    Regardless of whether or not you can read what’s going on in her mind, you need to put yourself in position to succeed. That means looking, smelling and feeling good when you approach her.
     
    “I like a guy who takes care of himself and likes to look clean,” says Culpo. “A smelly guy is definitely a turn off!”
     
    All three women echoed those sentiments as they all put a focus on cleanliness and grooming more than anything else. That means you need to put yourself in position to succeed. You still might not get the girl for a number of reasons but don’t let it be something that you could have controlled.

    Is “Unapproachable” In Your Head?

    If there were no feelings involved, would you really care if she seems unapproachable or not? Nope. You’d just make a move and be genuine, and you’d either hit it off or keep it moving. But instead of just walking over to get to know a stranger, guys will put a lot of pressure on the outcome to get a number or get laid and that’s where the approach goes awry.
     
    “Just be funny. Funny always goes over well, so try to think of something funny to break the ice rather than being weird or using pickup lines,” says Charli XCX. She’s often the one making the first move but when she is being courted, her advice is to just have some fun with the approach.
     
    At the end of the day, you might not figure out her body language to determine if she’s just being a challenge or something more, but what do you have to lose by approaching? Yes, you’re putting yourself out there but if you treat her with respect, chances are she’ll do the same even if she’s taken or disinterested.

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  • Get Rid of Dark Circle Around Neck

     

    Step 1 – Steaming

    Steaming will open your pores so you can easily remove dirt particleas and dead skin cells. Soak a towel in hot water and rub your neck with this towel for 2-3 minutes

    Step 2 – Exfoliation

    For this you need 3 tbsp of salt, in this add a tea spoon of baking soda. Now add 2 table spoon of olive oil. Your scrub is ready for use. Scrub your neck gently with this for 2 minutes. It will remive all dead skin cells and tanned skin

    Step 3 – Skin lightening pack

    You need

    Sandalwood poweder
    Lemon juice
    Cold raw milk

    Take sandalwood powder, add cold milk. Now add few drops of lemon juice. Once it is ready, apply this mask on your neck.

    Leave it for 15 minutes, rinse it off

     

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  • Natural Ways To Make Your Beard Grow Faster

     

    For men, beards stand for masculinity, so a fully grown moustache and beard is a source of great pride. That is probably why ‘grow beard faster’ is one of the most popular search phrases on Google. We try and decode facial hair growth and list some ways to make your beard grow faster, naturally.

     

    #1: Exfoliate your skin once a week. This will help remove dead cells and stimulate hair growth.

     

    #2: Wash your skin with warm water using a mild cleanser twice a day. Clean skin accelerates hair growth.

     

    #3: Eucalyptus helps promote facial hair growth, so use a moisturiser with eucalyptus as the main ingredient and massage it on your face to grow your beard faster.

     

    #4: Make sure you sleep well as this will help repair damaged skin cells and promote beard growth.

    #5: Certain vitamins and minerals help increase the speed at which facial hair grows. Include Vitamins A, B, C and E in your diet as they speed up the hair growth process.

    #6: Keep a tab on ingrown hair; beards usually don’t grow evenly if there are ingrown hairs on your face. Here are some home remedies to prevent ingrowths.

    #7: Take 2.5 mg of biotin every day to help your beard grow faster.

    #8: Beards will grow more quickly when you are relaxed, and many beauty and health experts believe hair reveals stress. Manage stress in healthy ways through meditation and yoga for better results.

    #9: Increase the amount of protein in your diet. The protein found in meat, fish, eggs and nuts will help the hair on your face grow quicker.

    #10: Refrain from shaping or trimming your hair very often. Groom your beard only after six weeks when it is full grown.

    #11: Facial massage improves blood circulation to the face, which will stimulate new hair growth.

    #12: The popular logic that shaving every day makes beards grow faster is a myth. There is no scientific research to prove it.

    #13: In case you experience itching or rashes during the initial days of growth, apply hydrocortisone cream to your face

    #14: Amla oil is a natural remedy to increase facial hair growth. Massage your skin with amla oil and leave it on for 15-20 minutes. Rinse your face with cold water and then clean it.

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  • How The Length of Your Thumb Reveals How You Behave in Love Relationships

    If you already analyzed the pinky, your index finger, and your finger prints, it is now your turn to look at the thumb. The ratio of the parts up to and from the wrist is hiding some of your personality traits.

     

    A. The first half of thumb is longer than the second one:

     

    You are a faithful and passionate person. Once you fall in love, you’re head over heels for him/her and tend to be obsessive. Other things such as work or study may get neglected. If your lover is late in replying messages or not much getting in touch with you, you will go crazy and try to call his/her phone many times. Be careful you might scare him/her away.

     

    B. The first half and the second half of thumb are the same length:

     

    You like to plan everything and carry them out in a specific approach, which makes you can achieve your goals. You are calm and composed, no matter what happens. In terms of love is the same. You can judge his/her feeling objectively. You won’t let emotions to get you carried away. But, because of your calmness, it’s unlikely to move fast in a relationship; at most you just end up in ambiguous relationship.

     

    C. The second half of thumb is longer than the first one:

     

    You are trustable and reliable for people around you. You also have a good observation skill. You take a lot of time to think things and move slowly. In terms of love is the same. Even if you feel you have a crush on someone, you would restrain your feeling. It’s easy for you to miss the change since you’re too conscious of other people’s face.

     

    source: www.sportonlinegroup.com

     

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  • What Kind of Woman You're Dating According To In Which Month She Was Born?

     

    According to the month you are born you can find out what are your characteristics.

     

    JANUARY

     

    Ladies that are born in January are remarkably ambitious, but rather serious and conservative. Women born in this month are prone to be very critical, yet they don’t want to talk about their own feelings. They let to approach them only people that are on the same intellectual level with them and that share the same views on life.FEBRUARY

     

    February females are very romantic, and you need to treat them with patience. Not every person can understand them, due to their changing mood. These women have a slightly abstract way of thinking. You need to know that if you betray them, you are never going to see them again.

     

    MARCH

     

    Women born in March have strong charisma and charm. They are very loyal and dedicated. These ladies are hard to fall in love. They are also very cute until you upset them.  But, to live with a person that is born in March is a real pleasure.

     

    APRIL
    April-born females are diplomats and they can interact quite easily with every person. At times, they know to pity themselves. Most of them are very jealous, and if it happens to burst, it better for you to move away.  The April girl is going to make you the happiest man on Earth. They open their soul to those who earn their trust and try not to lose it.
    MAY
    May women are very persistent and loyal to the principles they have. They are also very attractive, and combined with their difficult character, they can become dangerous to any man that falls in love with them. This is the reason why you are going to remember them as long as they are alive.
     
    JUNE
     
    These are very curious girls, communicative and creative. Their flaw is they speak before they think. June women think that it’s better to tell the truth in the face, than to speak from the back. Also, they are very dangerous players in love and very often men become a toy in their hands.
    JULY
    Ladies born in July are very honest, mysterious, beautiful and very intelligent. They don’t want conflicts and are very polite to everyone. Besides, you can easily lose them forever, but if you cheat on them they will never forget.
    AUGUST
    This is a unique combination of self-centeredness and great heart. You should try to not mess with these ladies, as sooner or later she will win. Women born in August have an exceptional sense of humor, but they don’t like being mocked. If this happens, you will not be aware what hit you. They always want to be the center of the attention and never suffer from the attention of men. In their presence men lose their heads.
    SEPTEMBER
    Born in September, these ladies are kind, disciplined, and beautiful.  They never forgive those who will betray them. Therefore, you should be careful not to hurt them as they will seek revenge. These women want long relationships, which mean that they are not girls for only one night. On the other hand, they are very critical and they have high expectations of their partners. The man who would prove, will win.
    OCTOBER
    Ladies born in October have strong character. They are very emotional, but they don’t cry in front of other people. They are very smart, and don’t open their soul to everyone, as they think that people tend to abuse it. The other women very often hate them since they envy them.
    NOVEMBER
    November ladies are always one step ahead of the others, and they can very easy recognize a lie. You shouldn’t play with these women since you will get the worst end of it. About these women you need to know  that if you are ready to hear the truth, you should never ask them for their opinion.
    DECEMBER
    The ladies born in December can be very impatient, but lucky, since they always find a way to get out of any situation as winners.  These women know how to lift the mood. They have an open heart.  They are disposed to be hurt a lot, but since God is on their side, at the end these females get what they deserve.

     

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  • Use This Simple Trick to Clean Your Dirty White Shoes and Make Them White Again!

    We all know that white shoes are very difficult to keep clean. But, because in this article we are going to show a simple trick you shouldn’t be worried, this  will help you clean your dirty white shoes and make them white again. Getting your dirty white shoes to look new and white once again can be easy with this simple trick. White sneakers and tennis shoes look great but keeping them clean can be a challenge.

    Very simple and easy to make this homemade method. You just need to simple ingredients, which you probably already have in your kitchen cabinet – baking soda and white vinegar. Extremely powerful when it comes to cleaning fabrics, including those used for making shoes  are these 2 ingredients. You should also know that  it will help you remove the bacteria and fungi, which are the main cause for the bad odor because these two ingredients have powerful anti-bacterial properties. Note: you just have to follow the simple instructions. Here’s what you need to do:

    You will need the following ingredients:

    • ½ cup white vinegar (125 ml)
    • ¼ cup of sodium bicarbonate (60g) – baking soda
    • 1 brush

    Directions:

     

    Here’s what you need to do, it’s very simple: you just have to mix the baking soda and white vinegar. Until you get a foamy mixture mix, and then you need to rub this mixture on your shoes. Use the brush. Make sure you leave it on for 30 minutes, and rinse it off with cold water.

    Don’t forget the shoe laces

    We always forget to wash the shoe laces. Because if shoe laces  are dirty, they can make good shoes look bad so they are very important. This is why in the washing machine you should wash them from time to time. So, you should definitely try this simple trick if you have white shoes, and they are dirty. You will be amazed by the results. Note: and don’t forget to put them in a washing bag or a pillow case.

     

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  • Once You Read THIS You Will Never Throw Away This Part of the Banana

     

    Bananas are great. A recent study has discovered that 2 bananas can provide enough energy for intense 90-minute exercise. This is why banana is a favorite fruit of many athletes. This is really amazing, right? We all know that this tropical fruit is loaded with healthy nutrients and it can provide many health benefits. But, here comes the million-dollar question – did you know that you can use the banana peel to treat many different skin problems, such as: remove warts, treat wrinkles and acne, whiten your teeth? Well yes, and you should also know that the banana peel works great as an analgesic and you can use it to alleviate the symptoms of psoriasis. In this article we are going to show you 5 amazing banana peel uses, which you’ve probably never heard of:

     

    Here is now to use the banana peel:

     

    1. Banana peel for teeth whitening

     

    If you want to whiten your teeth, and you don’t want to use those expensive and harmful whitening products – then we highly recommend banana peel. Banana peels can be extremely efficient and beneficial in whitening your teeth. You just have to take a banana peel and rub it on your teeth every day for 5 minutes. You will notice amazing results just after one week of using this whitening method.

     

    1. Remove skin warts

     

    Did you know that you can use the banana peel to treat skin warts as well? This is really amazing and extremely useful. Banana peels can also help you eliminate those “stubborn” warts. Here’s what you need to do – just cut a piece of the banana peel and put it on the warts. You can secure it with a bandage and leave it overnight. Or you can rub the inner side of the peel on the affected area. Make sure you use this method until you get rid of the warts.

     

    1. Acne and wrinkle-free

     

    You should also know that the banana peels are loaded with antioxidants and other anti-aging properties, which are great for replenishing the skin and hydrating it. So, if you want to reduce the inflammation and irritation, you need to take a banana peel and rub it over the affected area. You should repeat this process every night before going to bed, until you get rid of the acne and wrinkles.

     

    1. Curing psoriasis

     

    You can use the banana peel to treat and alleviate the symptoms of psoriasis. Here’s what you need to do – just rub the banana peel on the affected area. Repeat this process 2 times a day.

     

    1. Banana peel as an analgesic

     

    You should also know that the banana peel works great as an analgesic. So, if you have parts on the body that are in pain, you should rub the banana peel on it. As we said, the banana peel works as an amazing natural analgesic.

     

    1. Banana peel for losing weight

     

    We all know that bananas are loaded with potassium. But, did you know that the banana peel contains high amounts of this mineral as well? The banana peel contains around 40% of the potassium found in banana. And we all know that our body needs potassium, if we want to lose weight much faster. It boosts metabolism, so you burn more calories and muscles have enough energy. And this means that if you have energy, you can be more active.

     

    You should also know that banana peels contain other healthy nutrients as well, such as antioxidants, fiber, B-vitamins, vitamin A. Fiber is more present in the peel, than in the banana itself. Fiber keeps you full for a longer period. As you can see, the banana peels have some powerful and effective weight-loss properties. And really, it’s not as strange as it sounds. This means that you should definitely try this super healthy banana-peel recipe and you will be amazed by the results. This recipe is very simple and easy to make. You just have to follow the simple instructions. Here’s what you need to do.

     

    Bananas Peel with Black-Eyed Peas – RECIPE:

     

    • 4 green banana peels
    • 1 teaspoon turmeric
    • Salt
    • 2 teaspoons coconut oil
    • ½ c black-eyed peas (if using fresh, soak overnight)
    • ½ teaspoon mustard seeds
    • 2 tablespoons unsweetened grated coconut
    • Juice of one lime

     

    Directions: 

     

    Here’s what you need to do – first, you need to slice the peels into small pieces and boil in water with turmeric and dash of salt. Note: in order to prevent sap from sticking to your pot, you should add a few drops of oil to the water. Bring to a boil, and then simmer for 5 minutes – until the skins are tender. After that, you need to drain the water and save it for later use (we like to use it to cook rice or as a base for soup).

     

    Now, you need to cook the black-eyed peas. So, if you are using fresh black-eyed peas, make sure you boil until tender. If using canned, rinse and drain beans. After that, you need to heat coconut oil in skillet or frying pan over medium heat. Add mustard seeds and cook until they begin to pop. Now, you need to add the boiled peels and black-eyed peas, stir, and cook for about 5 minutes. Remove from heat and stir in coconut. Add salt to taste and finish with lime juice. Enjoy.

     

    Green or yellow banana peel?

     

    First, you should know that ripe bananas are loaded with cancer-fighting compounds and properties, and they can help your body create white blood cells. But, when it comes to losing weight – you should always go for green banana peel. So, if you want to lose weight, green peels are much better and more effective, because they contain more probiotics. Probiotics help your digestive health. Also, it has been shown that green peels increase the levels of serotonin and dopamine.

     

    Yes, we know that it’s kind of weird and hard for you to eat the peel, but there are some ways you can do that. Just make a smoothie. First, you need to cut the both ends of the banana peel and put it in a blender. Add some coconut milk, cinnamon, ice, and any other ingredient you like. If you choose this method, use yellow peels because they have a banana flavor and are sweeter. Another good and healthy option for ripe bananas is to make a tea. How to make this tea – here’s what you need to do: first, you need to remove the ends and boil the peel in a pot for about 10 minutes. Strain it and enjoy your banana tea. If you want your tea sweeter, you can add some honey.

     

    But, you should know that green bananas are much better for cooking. You can use green banana peels to prepare chutneys or curries, or even use them instead of potatoes. You should use your imagination and always try new things. Note: and make sure you always buy organic bananas and clean them thoroughly before using. We really hope you find this article helpful and don’t forget to share it with your friends and family. Thank You.

     

    Source: www.healthylifetricks.com

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  • 9 Financial Habits That Can Make You Wealthy

     

     

    9 Financial Habits That Can Make You Wealthy

    While a six-figure inheritance or high-paying job can land you in the top 1% of earners, it’s the little things—your money habits—that often make the difference between a life of prosperity and one of constant financial stress.

    For example, “I do a periodic review of all the subscriptions I have—the ones that hit my credit cards each month,” says Blaylock. “You’d be surprised at how many subscriptions we all have and how many go unused. You could create some significant savings each month just by looking at those things.”

    Taking inventory of your recurring subscriptions and services is just one habit that can get you on the road to better fortune.

    “If you look at the average amount of money you will earn over your lifetime, and figure out how many years you are working—most people earn more than a million dollars over their working life but very few people become millionaires,” says Nancy Butler, a Certified Financial Planner™. “How they manage what goes through their fingers usually makes the difference.”

    So what are these easy changes that can help move you further along the road to prosperity? We asked two financial planners for their favorites.

     

    Recommended by Forbes

    1. Reverse Your Thinking

    We know: After taxes are taken out and the bills are paid, your paycheck can seem a little anemic—which can make the idea of having to save for retirement too seem like a real stretch. But to build wealth, a change in mindset is required. Namely, instead of spending the rest of your take-home pay, you’d actually take another cut of your paycheck and put it toward your biggest financial goals.

    “Most people spend some money, pay their bills and save what’s left,” says Butler. “And that’s backwards: You should be saving for your financial goals first, paying your bills and and then consider spending the money you have leftover.” Another trap is putting your good money habits off till “later,” when life will get easier. The thing is, somehow the minute your income increases, the demands on your money seem to as well.

    Now, keep in mind, we’re not suggesting you sock all of your money away and live on rice cakes. As Blaylock puts it: “I’m not asking you to put $1,000 away a month, I’m asking you to put away $50, or a small amount that you can afford. We really can’t underestimate the power of starting small, because most of the time that momentum builds, and once we see progress, we tend to repeat behaviors.”

    2. Look Where You Want to Go

    Just as performance athletes imagine themselves making the shot over and over again—check out this study for how goal setting improves motivation in athletes—knowing what you want your money to do for you gives your goals a better chance of being reached.

    To get going on saving for the future, financial experts often suggest having a five-year plan, where you create specific money goals you’d like to achieve in five years and what you need to achieve those goals. For example, saving six months of income for an emergency fund, or saving for a big event, like a down payment on a house.

    “Anytime we have a specific goal in mind, that helps us to save,” says Blaylock. “Whether that goal is emergency savings, or saving for a trip, or saving for college, it doesn’t matter.”

    3. Adopt Your Own Private Mind Tricks

    What if not spending $1,000 on a designer purse or new must-have gadget were as easy as following a rule that dictates you can’t spend more than $300 on something that isn’t essential to your life? The good news is you can create financial rules just like that for yourself; in fact, doing so can be a great habit to get into.

    Also known as “heuristics,” these rule-of-thumb strategies we create for ourselves—such as not spending more than $15 on an item of baby clothing, or more than $50 on a pair of shoes—can help simplify the many choices we make in a day. Behavioral economists believe that adopting good heuristics can help one develop good money habits.

    If creating a great heuristic seems like an overwhelming task, Blaylock suggests starting with something simple, such as eating out only twice a week, or “not getting a cart at Target,” a heuristic that helped one of his colleagues save money.

    4. Live Like a “Secret” Rich Person

    For some, the image of a millionaire conjures visions of sprawling mansions and shiny Bentleys. But most millionaires don’t live large like that—rather, they tend to live well below their “means” and do more saving than spending. In other words, they’re not flashing their money, according to Dr. Thomas J. Stanley, co-author of “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy.” Stanley’s book, which details more than two decades worth of surveys and personal interviews with millionaires, reveals that much of the wealth in America is more often the result of hard work, diligent savings, and living below your means.

    Las Vegas–based David Sapper, who owns a successful used car business, and his real-estate broker wife make a combined income of $500,000 per year. Yet they live like “secret” rich people, only spending $2,500 per month on all bills and extracurricular expenses like eating out, unlike many of their peers. By putting 90% of his income into savings and investments, Sapper says he’ll be able to retire early.

    His advice? “Find the point that you get what you need and you’re happy and comfortable, and just stay there,” says Sapper. “I had an ‘aha!’ moment when I was watching MTV, and LL Cool J was saying, ‘I lease a Honda Accord for $399 a month,’ while other rappers are going broke.”

    5. Tackle Retirement Now

    If you’re in your twenties or thirties, retirement can seem eons away—and saving for it might not seem like a priority. It’s easy to understand: In between paying to attend weddings (which average something like $600 per guest), saving for a down payment on a home, and using anything leftover to put toward “necessities” like vacation, how are you supposed to save anything for retirement?

    Unfortunately the later you start saving, the more you’ll have to save. But the sooner you sock money away, the more time it has to compound and grow.

    If, for example, you’re 30 and putting $50 a month into a retirement account with a 7% rate of return, that $50 a month would turn into $56,000 in 30 years, says Blaylock. Should you wait to age 40, you would need to contribute $110 per month to get to that same goal. This is because your money has less time to grow which minimizes the impact of compound interest.

    6. Know What’s Coming in, and What’s Going Out

    Most of us have good intentions when it comes to saving money. But if you don’t know what’s coming into your bank account and what’s going out, chances are you don’t know how much you can devote to your goals. And most people generally don’t track their income and spending, says Blaylock. “It really is shocking to me that clients I work with don’t always review their pay stub,” he says

    “If I don’t know how much you spend on eating out, how can I expect you to change that?” says Blaylock. “You kind of have to become the chief financial officer of your household.”

    7. Getting Out of Debt

    Everyone has debt at some point in their life. But if you have bad debt—not student loans and mortgages, but credit card debt, where you’re paying high monthly interest rates—nixing it and getting out of the habit of being a debtor—should be priority number one. “I want somebody to develop a plan to have them out of that debt in 36 months or less,” says Blaylock. “It’s hindering you from making progress on your other goals.”

    At the same time, emergencies happen—and a $600 car repair can hit anytime. That’s why Blaylock advises putting half the money you could put into paying down debt into an emergency savings account. So, for example, instead of paying $600 toward credit card debt, consider putting $300 toward emergency savings and $300 toward credit card payments. While this means it will take longer to get out of credit card debt, you’ll have money stored up for an emergency.

    “Credit card debt is a result of the ‘uh-oh’ moments,” says Blaylock. “We still don’t have any savings built up because we put it all toward our credit card. So while you’re also working to pay your credit card down, you should consider putting an equal amount to an emergency savings account. I often tell clients that their emergency savings are their insurance policy against falling into credit card debt ever again.”

    After you get out of debt, Butler suggests only having one credit card, and come to an agreement with yourself (or your significant other) that it will only be used during an emergency. “Let’s say the car broke down and you can’t fix it—that’s an emergency,” says Butler. “Something’s on sale, and I know I’m going to need it in six months—that’s not an emergency.”

    8. Increasing Your Earnings

    There are two ways to increase your net worth: Spend less or save more money. “And spending less is only part of it – you have to save, and when appropriate invest, the rest,” says Natalie Taylor, a CFP® with LearnVest Planning Services. “Earning more often doesn’t lead to higher net worth because lifestyle expenses grow along with it.”

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    But if you grow your income, and set some of those earnings aside, you can grow your bottom line. Aside from getting a raise or winning the lottery, there are a few ways to get more money flowing in.

    One suggestion: Diversify your income streams by working a second, part-time job doing something you love. As far as earning more, there are a few things one can do. “For those who cannot cut their expenses enough, I love the idea of working part-time,” says Blaylock. “I have a great friend who is an attorney. She has a big travel habit that she is unwilling to pull back on. So, she works at a flower shop on Saturdays during wedding season. It’s a win for everyone: The flower shop has a dependable employee, and my friend loves flowers so she does not think of it as work.”

    Another idea: Look for investment opportunities—perhaps with the help of a financial planner—or other ways to get income to come to you. “I think retirement income should come from multiple sources such as rental income, part-time income and retirement assets,” says Blaylock.

    9. Consider Consulting an Expert

    There are times in life when consulting an expert pays you back in spades. Even if you’re doing everything you can to start good money habits, using a qualified financial planner can help keep you on track—and help you see the big picture.

    “Often times most of us are too emotionally involved in our finances to make really good decisions,” says Blaylock. “So what you’re looking for when you’re getting a professional is accountability and an outside view of what you’re doing. I look at your finances very objectively, where you can’t because you’re that person.”

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