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:
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.
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:
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.
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.
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.
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.
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.
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:
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.
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.
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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.”