How to Budget When You’re Broke

The process of building a budget can help you to take a hard look at your priorities and to determine whether you’re on track to reaching your financial goals and also to avoid going broke.

It takes commitment and time, but you can learn to manage your money even when there’s not much of it. Follow these steps to set up a budget if you’re broke.

We’ve discussed how to create a basic, real-world budget, but that advice often doesn’t apply when you’re struggling to make ends meet. The basic ideas are the same, but your breakdown of spending is probably going to look a bit different, and everyone’s situation is going to be unique to them. So here’s what you need to do to get back on track.

First: Assess Your Financial Situation

If you have more money going out than coming in, here’s what your financial plan boils down to: spend less and/or earn more. To figure out how to do this, first take an assessment of your income and expenses. This will help you develop a reasonable and realistic budget.

Categorize Your Expenses

Break down your expenses over the past few months. Categorize and separate them into needs and wants. Separating will help you prioritize your finances. To get a clear idea of your needs and wants, consider creating a hierarchy of spending. Organize your debts, too.

Identify Your Problem Spending Areas

Take note of your spending habits. Are there any specific stores you frequent? Do you have a coffee habit that can be cut? Many times, there are “leaks” in a budget that can be plugged. The first step is figuring out where they are. Identify these categories, and keep them in mind once you start your budget.

Cut Back Your Spending

Find ways to reduce your expenses. The first place to start is the “wants” category.

It’s important to allow yourself a little breathing room for fun in your budget. If you don’t, you risk …

 

Read more: http://twocents.lifehacker.com/how-to-budget-when-you-re-broke-1561620381

Home Solutions For Disabled Person

Probably the toughest, practical concerns for anybody who lives with an inability is the essential activity of taking a bath or shower. It is often also stressful for a caregiver, when he or she must give physical support to a disabled person, particularly if the caregiver isn’t physically able to lift or carry a handicapped patient. Safety is the main concern when it comes to providing a useful disability bathroom in the house. Despite the fact that accessibility is very important, safety is highest because without safety, a disabled person can incur serious injuries regardless how convenient the bathroom really is.

Regardless of whether you possess a completely functional accessible bathroom which adheres to all ADA guidelines or simply a modified disability bathroom that fits your specific needs, listed below are 3 of the most important bathroom handicap safety aids that can give ultimate security and safety. All are rather easy to set up and could be done yourself if you have a bit of handyman savvy.

1. Safety railing – These essential devices may be lifesaving, yet are very affordable. Safety railing round the bathroom area is crucial in providing right help for many bathroom uses by the disabled. Rails should be around the tub, shower, sink, and toilet area. Rails should also be set up in every other area of the room where there is a possibility of loss of balance or slippage. Giving the proper support through safety railings can lessen the incidence of falls substantially in the home bathroom. But remember that grab rails are meant to support your balance, not to take your full weight when holding on to them.

2. Emergency pull cords – Another essential handicap safety aid for the bathroom is surely an emergency system that’s easy to reach in the event of a fall or any other incapacitation. Safety pull cord systems can be bought and easily put in next to the toilet area or shower area for easy reach. An individual need only to reach for the cord and pull, to notify family members in another room that help is required. Numerous systems are affordable, but provide an important safety measure for the disabled.

3. Nonslip floor – Safety is one of the main factors in terms of adding the best flooring for a disability bathroom. Although a home bathroom should be eye appealing, beauty isn’t the number 1 concern when it comes to flooring. Universal design components suggest that a floor should not be conducive to slippage, it must be level and that it also need to be smooth. Among the best flooring for a handicapped design is mosaic tile or vinyl tile, considering that both may be installed to give a non-slip floor covering, while also enabling a level, smooth surface.

They are a number of the functional bathroom aids for the handicapped which are helpful for lots of people who have limited mobility. Make sure to consider features, prices and the needs of your loved one before purchasing exactly what is good for your home bathroom.

10 Everyday Things That Age You

A philosophy of ‘prevention is better than cure’ is the number one thing to remember when it comes to the ageing process of your skin. Begin to look after your skin as early as possible.

Inflammatory Foods

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If your daily meals are filled with foods that cause chronic inflammation, such as vegetable oils, margarine, red meats, white bread, or sugary, processed foods, you’re not doing your skin any favors. These foods can cause inflammation in your body, which may accelerate wrinkle formation. To prevent premature aging, stock up on foods rich in omega-3 fatty acids and alpha-linolenic acid (ALA) such as flaxseeds, flaxseed oil, avocados, salmon, and and olive oil. These foods will help your skin maintain its soft and supple look.

Be sure to load up on fruits and veggies, too. Fresh produce is abundant in zinc, selenium, vitamin C, and beta carotene, all of which are key players in the body’s production of collagen (which keeps skin firm), as well as protecting against free radicals. Two good options are red bell peppers and carrots. Simply slice them up for a convenient on-the-go snack you can take anywhere. Not a fan? Try upping your intake of broccoli—just 1 cup has 100 percent of the total daily recommended value of vitamin C.

Lastly, make sure you’re getting enough protein—recent studies show that an insufficient amount of protein can cause tears, wrinkles, and cracks in your skin. Aim to get at least one protein-containing food (for example, eggs, lean beef or poultry, beans) at each meal.

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Loss of Human Growth Hormone or HGH

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Your body produces human growth hormone (HGH) in the pituitary gland. Among its many functions, HGH works with collagen to maintain skin and muscle composition. As you age, your body’s natural production of collagen slows, which can lead to looser and thinner skin. While you may not be able to stop time completely in its tracks, you can slow its effects: The results of a 2012 double-blind study on supplement brand SeroVital suggests that certain combinations of amino acids can actually stimulate the body’s production of human growth hormone, which in turn, can help promote collagen production and help you maintain your firm, smooth skin. Both male and female patients given a special blend of amino acids saw a mean increase of more than six times the levels of HGH they started with at the beginning of the study. The patients also experienced faster metabolism and increased endurance. Learn more about this promising anti-aging supplement here!

Anecdotal evidence also seems promising: People who have taken HGH supplements or injections report brighter skin, better hearing, an improved sex drive, and having more energy.

PHOTO: THINKSTOCK

Happy Hour

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Alcohol is a natural diuretic, according to Huffington Post Healthy Living, so the more you drink, the more dehydrated you become. Besides sapping the natural moisture from your skin, excessive alcohol also triggers rosacea outbreaks and exacerbates fine lines, acne, and wrinkles, all of which instantly make you look older. You don’t have to swear off the bottle altogether, but by drinking less, your liver doesn’t have to work as hard to flush out toxins and impurities from your body, and when it works more efficiently, you’ll see the results in your skin.

See more: http://www.shape.com/lifestyle/beauty-style/10-everyday-things-age-you

Chandelier Size and Placement Guide

Obviously, there’s no lighting source more brilliant in appeal than chandelier lighting. Due to their wonderful qualities and aesthetics, chandeliers have evolved as necessary fixtures not just in luxury hotels but now in homes as well.

 

Lighting is an important element in any room. It can set a romantic mood or offer a bright, playful vibe. However, the rules of where to hang a chandelier vary by room and can be tricky to master. We break down the size and placement guidelines for chandeliers and take the guesswork out of hanging a chandelier.

Entryway Chandelier Guidelines

An entryway is a guest’s first impression of your home, and chandeliers often play a large role in that impression. You will want to choose a chandelier that reflects your home’s design aesthetic and is the right size for your space—a small light will look dwarfed, while a too-big chandelier can overpower a room. Here are two important measurements to take into consideration when choosing the correct chandelier size: height and diameter. 

Height
The higher the ceiling, the taller the chandelier. The rule of thumb is to accommodate 2.5-3 inches of chandelier height for each foot of ceiling height.A standard 8-foot ceiling requires a chandelier that is 20-24 inches in height.
Diameter:
Once you have the height, it’s time to figure out the diameter. To do this, add the height and the width of the room together. Treat that sum as inches, and you have the suggested diameter of the chandelier for that space.For example, if the room is 20 by 18 feet, the sum is 38 feet. The approximate diameter of a chandelier in that area is 38 inches.

Placement

This can vary depending on what room you are hanging your lighting in. The most important concern when hanging your chandelier is how it effects the lighting of the space.

Dining Room Chandelier Guidelines

In a dining room, it is key to measure accurately to ensure perfect placement of the right-size light. 

Size (Height and Diameter)
To avoid bumping heads, a chandelier hung above a table should have a diameter 1 foot narrower than the table’s width.
Placement
Chandeliers should be centered over the dining table. The exception to this is if you are placing two smaller chandeliers over the table instead of one.The light fixture should be hung 30-34 inches above the dining table. This same rule holds true for lighting over islands and kitchen tables.
For ceilings higher than 8 feet, add about three inches to the hanging height per foot. So if your ceiling is 10 feet tall, your lighting fixture should be hung 36-40 inches over the table.

Chandelier Guidelines for Other Rooms

Living Room

For optimal lighting, you want to position the chandelier in the …

50 Creative Ways To Use Mason Jars

Mason jars are traditionally used for canning and storage. But did you know that more recently, mason jar light fixtures are becoming more popular too? It is also being used now as cute wedding favors and decor ideas.

 

Walking In The Woods . . .

On our new farm, Daddypotamus and I recently discovered the ruins of an old cottage, complete with 1940’s era washing machine, chimney and a stash of vintage mason jars. Carrying my loot home, I wondered if there was something special I could do with them. If you’re looking for a few ideas also, here are 50 I think you’ll love: 

Soap Dispensers

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1. Homemade Soap Dispenser: Perfect for dish soap, hand soap or even lotion, these mason pump dispensers add rustic charm to kitchens and bathrooms. (photo courtesy of The Blissfully Contented Life)

Not sure you want to make your own? The dispenser you guys asked about from myhomemade dish soap recipe came from Industrial Rewind. It was pricey, but given that I was pregnant with #3, working on a book, and  had just moved to a farm I cut back on my DIY activities for awhile. Unlike the reviews I’ve read about some other brands, mine have held up beautifully despite heavy use. This pump set (you supply the jar) is a little more affordable but there are no reviews yet. I love the orange!

Lanterns

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2. Colorful Mason Jar Lantern with Beaded Handle: Love those vibrant beads – what a fun, easy project to make with kids! (photo courtesy Bug and Buddy)

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3. Mason Jar Solar Lantern: This project is perfect for those with minimal crafty skill. (Photo courtesy of Weed Em And Reap)

4. Hanging Lantern With Copper Wire Handle: I’ll bet this style would be beautiful with the blue-tinted heritage jars.

Terrariums

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If you have a black thumb when it comes to house plants, terrariums are the way to go! They do better if you mostly ignore them, and they also serve as a low-stress way to ease into gardening with your kids. Help them check on it every so often and make minor adjustments as needed: dampening, trimming, etc. Here are some great ideas to start with:

 

See more: http://www.mommypotamus.com/50-creative-ways-to-use-mason-jars/

14 Reasons Why Every Home Needs A Bottle Of Castor Oil

“Castor oil as we all know is unpleasant, tasteless oil but it has many skin and health benefits.  It is now even used in a  variety of ways: commercial and homemade skin care, medicinally, for scalp conditions, making homemade soap, massage oils and more!”

14 Reasons Why Every Home Needs A Bottle Of Castor Oil

Castor oil is derived from the seeds of the Ricinus communis plants that grow wild in wastelands across tropical regions. It is often grown as an ornamental garden plant in milder climates, and now cultivated on a large scale for biodiesel manufacture.

Castor oil has been around for a very long time, and has been widely used for medicinal purposes in its native lands spread across Africa, the Indian subcontinent and the Mediterranean basin. It is one of the first vegetable oils to be used for industrial purposes because of its high viscosity and lubricating property. In fact, the automotive lubricant company Castrol derives its name from castor oil.

Infamous as a laxative, many people consider castor oil a crude product. But this unique vegetable oil has so many wonderful uses that it deserves a place in every home.

1. Safe, Natural Laxative

Well, this use of castor oil needs no introduction, but there’s a myth–probably promoted by pharmaceutical companies–that it is not safe to ingest the oil for its laxative effect. The truth is that, it is not only safe, but also suitable for even small children.

The castor oil plant, including the castor bean, contains a highly potent toxin ricin, but it is deactivated during the oil extraction process. There have been deaths due to castor oil ingestion, but they were from force-feeding it in large quantities to political enemies and dissidents in the past. The deaths resulted from dehydration, and not from any toxic substances.

When the oil is used as a laxative, the dosage can be easily adjusted as its effect is directly proportional to how much oil you are using. The usual dosage is 1 to 2 tbsp for adults and 1 to 2 tsp for children 2-12 years old. Children under 2 years shouldn’t have more than a teaspoonful at a time. You can mix the oil with orange juice to make it more palatable.

Unlike other laxatives that act in the colon, the action of castor oil starts in the small intestine. You can expect a complete clean out of the bowels within 2 to 5 hours of taking the oil.

2. Relieves Muscle Soreness

Castor oil is considered a warm oil that promotes the circulation of fluids in the body. It is excellent as massage oil, and can relieve the soreness resulting from overworking the muscles. If you have aching calf and thigh muscles after vigorous exercise or active sports practice, apply a little castor oil on the sore area and rub it in.

Castor oil is a good carrier oil for essential oils. Add a few drops of Roman chamomile oil or peppermint oil to a tablespoon of castor oil to make the massage more relaxing and healing.

3. Soothes Joint Pain

The analgesic and anti-inflammatory properties of ricinoleic acid which constitutes almost 90% of castor oil have been well documented. A major part of it comes from its decongestant action on the lymphatic system.

The lymph vessels that form a wide network all over the body collect waste from the tissues and carry it to the blood for elimination. Congestion in these vessels and …

 

Read more: http://www.naturallivingideas.com/14-reasons-why-every-home-needs-a-bottle-of-castor-oil/

A Detailed Comparison Between Clothing Steamer and Fabric Iron

Have you been ironing a shirt and found it so difficult to use the clothes iron that the shirt finished up looking worse than when you began? For many years, irons were heavy, flat tools that can either create smooth, wrinkle free clothes or with one misstep may lead you to skin burn. Steam clothes irons are a fantastic invention. Rather than relying on the heat of the actual clothes iron, these irons count on the heat of the steam. The dry iron is easily the most common type. This won’t require water and simply must be plugged to the electricity and used after setting the required temperature. While the other type is clothing steamer where offers better ironing than the dry model, since this uses water. As the hot temperature goes through the water in the iron tank, it produces hot steam in which escapes from tiny holes given in the base of the iron, and that is utilized in pressing the clothes.”

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Ironing clothes may well be one of the most tedious of all household chores. In fact, it really is one of those chores that you probably want to stay away from. Luckily, the latest appliances have the technology to make ironing faster and much more efficient. All you need to do is to locate a good steam iron which will make the chore easier and stress-free. This will make it quicker to maneuver the clothes iron and gives you excellent control of the tool as you use it.

The standard type of clothes iron is an easy heat based implement. They will use a heated slab of metal smooth the wrinkles from clothing. The metal slab is normally mounted on a piece of plastic with a handle attached. The 2nd major type of clothing iron is the steam iron such as the Tobi steamer. It is also heat based. Both types have vents from steam however a clothing steamer is a lot stronger.

Clothing steamers are extremely adaptable and they do not take as much maneuvering as the traditional flat iron. The garment hangs upright and steam is used. The clothing steamer is just as effective on very mild clothing wrinkling or on very obvious creases in the fabrics. It could be also used to press finish the look of pleats, hems, and other kinds of creases. If you want a safe and easy to make use of form of wrinkle remover, think about trying a professional steam instead than just the standard iron. Though irons have steam the mist isn’t applied in the same gentle way and there’s risk of staining or spotting the fabric as a result.

With clothing steamers, there isn’t any fear of overheating and damaging the fabric or under heating and struggling to press. In the event the water takes 4 minutes to get ready steam then the iron is ready to work nonstop for 40minutes. Based on each brand and make, around 50 to70grams of heat is produced in a minute. The cord connecting the iron the power peg is as lengthy as 1.7 meters. There is an embedded sole plate to help make the iron retain its heat a bit longer. Normally about 2000watts of power must be used.

If you choose to buy an iron from the mall, you need to buy name brand products. Steer clear of the lowest priced products and off-name items that are not familiar to you. Finding the best clothes iron just isn’t too hard these days. You’ve got so many possibilities and choices that it’s rather easy to find the perfect clothes iron to suit your needs. Keep the above things in mind in choosing your next clothes iron so that you are certain to find the best clothes iron. However to sum it all up, clothing steamers is the type that you would want to consider.

The Best Tips For Repairing Appliances At Home

Appliance repair can be just of a hassle particularly when it happens as a surprise. Many owners worry about the costs of professional repair. In an effort to save money, many of these property owners choose do-it-yourself repairs. Just before choosing to move forward with DIY appliance repair, you should assess your abilities. When you have had knowledge about fixing appliances before, then it might are convenient now. Yet, safety really should not taken lightly as these repairs could lead to serious injuries if not taken properly.”

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When one of the home appliances breaks down , the first thing many owners do is to try to fix it themselves. Whilst DIY appliance repair can be both effective and satisfying, don’t forget to take precautions to get the job done right. It’s best if you examine your skills and think about the level of the issue you’re having with your appliance. Safety is an essential concern in DIY repairs so you have to be extra careful. Below are a few fundamental dos and don’ts you might want to observe.

Unplug It!


Pretty much all appliances make use of electric power, even gas appliances, so make sure that you disconnect the power source Prior to starting working on the appliance. For jobs like gas dryer repair, also make certain the gas line is fully shut down to stop potentially deadly gas leaks.

Don’t Go It Alone


Unless you’re a skilled appliance repair technician, you can’t just look at a faulty dishwasher or malfunctioning fridge and know precisely exactly what the problem is. So just why try to do it yourself? You will find numerous information, from your appliance’s owner’s manual to web forums, training, and troubleshooting guides, so make use of these tools to help guide you through both the diagnostic and repair stages.

Safety Equipment


Just like any (and all) home improvement and repair projects, you’ll need appropriate safety gear for your appliance repair job. Safety glasses are a must, as are work gloves to protect the hands from sharp metal sides. You’ll also want an electrical multimeter tool. This handy gadget lets you safely make sure no power is flowing through a particular connection, a vital step to avoid electrical shocks and electrocution whenever using any kind of electric appliance or wiring.

Bear in mind, in the event you start an appliance repair and end up getting caught up, it’s likely that you will actually end up paying greater than if you had called the appliance repairman from the get-go. It is because the repair technician will likely have a harder time with diagnostics once you’ve tinkered with the appliance, and in cases when the machine is partially disassembled, the pro might even have to put it back together again to troubleshoot the appliance. Therefore, you need to only attempt an appliance repair, big or small, if you are completely confident you can resolve the situation not only safely, but also completely.

Do-it-yourself appliance repairs can be quite a cost-effective solution when your fridge, dishwasher, or other appliance starts causing problems. Nevertheless, so that you can maximize your savings–and your success–ensure you are smart about both safety and your own ability. In the event you approach the dishwasher repair, oven repair, and other project right, you’ll be able to get that trusty old appliance back to running smoothly once more.

COIT’S GUIDE TO REMOVING INK STAINS FROM CARPET

“Have you been the victim of an ink stain? Try not to explode along with your pen. The written word may live on forever, but an ink stain doesn’t have to be permanent.­ Use these cleaning methods so you can experience a better ending. The first step in removing an ink stain is to identify the type of material or surface that is stained. Then use the following tips for optimal ink stain removal.

Removing Ink Stains from Carpet

Keeping household carpet clean is no easy task. From dirt, to food, to ink stains on carpet, your living room, bedrooms, and hallways are put to the test every day of the week.

So how do you get rid of annoying ink stains that leave your carpet looking dirty? The first step is to take action on the ink stain as soon as possible. The drier the ink, the harder it is to remove, so don’t hesitate once you discover it.

Using COIT’s Guide to removing ink stains from carpet, you’ll have step-by-step instructions to help you tackle tough spots.

HOW TO REMOVE BALL POINT INK STAINS FROM CARPET

If you have natural-fiber carpet, follow these steps to remove the ink stain:

  1. Buy two cans of cheap lacquer hair spray – you may need this much depending on how quickly the stain disappears.
  2. Spray the hairspray onto the ink stain. This will soften the ink.
  3. Using a white cloth towel, blot the lacquer. Do not scrub the stain; instead, repeat this process until the ink stain disappears.
  4. Once the area is dry, hand-brush the affected area and then vacuum. This should remove any traces of lacquer.

Read more: http://www.coit.com/spotremoval/how-to-remove-ink-stains-from-carpet

18 Proven Home Remedies to Get Rid of Mosquitoes

“Getting rid of mosquitoes entirely in your garden may prove very difficult, perhaps  impossible. Treatment of water and taking away potential standing water vessels are the most efficient steps but even if you manage to make your yard completely free of breeding spots mosquitoes can fly in from miles away. Of course misters and repellent devices can add to the mix allowing you to take matters in own hands. Which approach or product will be best will depend on your personal situation. By reading this list in which we dispel myths and list methods that really work we you are setting the first step into a mosquito free yard. Taking action will help you take back your yard so you can spend time with friends and family without the nuisances and health risks caused by these miserable little gits.”

home remedies to kill mosquitoes

Though mosquitoes are small and tiny creatures, they can ruin whole atmosphere. Mosquitoes can cause several dangerous and fatal diseases like malaria,dengue, chikungunya, yellow fever, etc. The market is flooded with several chemical-laden mosquito repellents. These products can help you make your surroundings mosquito-free, but at the same time, they have negative effects on the environment. Here are some home remedies that are not only effective in getting rid of mosquitoes, but are also eco-friendly. Try them out!

HOME REMEDIES FOR MOSQUITOES

1. Dry Ice

The carbon dioxide that we exhale attracts mosquitoes. Dry ice emits a lot of carbon dioxide. So, place dry ice in a container and keep it at a certain distance. When all the mosquitoes are attracted towards that container, close the lid. While this can be a little time-consuming, but it is an effective method to drive away mosquitoes.

Read more: http://www.homeremedyhacks.com/18-proven-home-remedies-to-get-rid-of-mosquitoes/