Tuesday, October 20, 2015

How to Work More Productively at Home


Whether you telecommute for work, or you have a part-time job that operates from your home, you could probably stand to boost your at-home productivity some. Increased productivity means less time working, and more time bonding with your family, pursuing hobbies, developing new skills, and more. 

So what are you waiting for? 

Here are some tips on working more productively, even while you’re in the comfort of your own home.


Separate your work life and home life.


As tempting as it is to multi-task by completing work assignments and home-related tasks simultaneously, maintaining a strict separation between the two will allow you to give your full, undivided attention to whatever it is that you are working on. 




Separate your work life from your home life by designating a particular space for work (and only work), defining precise work hours, or even using a different cell phone for your work purposes.


Set up an at-home office.


The ultimate way to separate work life from home life is to set up an at-home office. As this article about highly practical furniture details, investing in the right furniture can make all the difference in your everyday life. 

Creating an at-home office grants you the luxury of having a space that you love working in, that is tailored to the particular work you do, and that eliminates as much distraction as possible. You can set up a home office in a spare room in your home, in the space underneath your stairs, or in just about any nook you can find in your home. 

Just be sure that the space you choose primarily remains a work-space and doesn’t evolve into a personal space.


Schedule out what you plan to accomplish.


Don’t simply write down what you plan to accomplish at the beginning of each day; schedule it out. Writing out the tasks you hope to accomplish each day, and assigning an allotted time to each of these tasks, will motivate you more deeply to actually complete the tasks you’ve set for yourself—on time. 

You’ll become better and better at this with practice. Remember when scheduling out your tasks that you should base allotted time on the time you actually spend working, therefore eliminating time for breakfast and lunch, relaxation, etc.


Plan out your breaks.


It’s important to plan out some down time throughout your day as well, as your mind will need time to rejuvenate after extensive periods of heavy thinking. Plan on setting aside a small pocket of time every hour or so, when you can take a quick walk away from your work area, have a snack, check your email, check social media, etc.


Monitor ambient noise levels.


Sure, you probably already knew that excessive noise coming from other areas of the home is sure to be a major hindrance in your workday. But did you know that an adequate level of ambient noise can actually help you to be more productive? 

This is the premise that sites like Coffitivity work on, providing site visitors with an endless stream of ambient, coffee shop style noise to work to. Hey, you might even find that it’s useful to visit your local coffee shop once or week or so to draw from the natural ambient noise there.


Remove your distractions.


Of course, there are some distractions that you can and should eliminate as you work from home. If you have a home office, keep your door shut as you work, which will alert others in the home to how you are working and cannot afford distraction (not to mention keep pets out). 




If you’re often guilty of spending extended periods of time looking out the window, make sure your desk isn’t oriented in such a way that the window is in your immediate view. If hunger is a major distraction, keep a small arsenal of wholesome snacks on hand that will keep you satiated until lunchtime or quitting time. 

Learn to recognize what distracts you from work, and develop your workday routine around eliminating those distractions.

Act like you are going to work.


As the tips you have read thus far suggest, one major key to working productively while at home is this: act as though you are going to work when you work from home. If you need to dress up for at-home work to get yourself in the right mindset, do it. 

If you need to maintain a separate laptop and phone for work-related things while leaving your personal electronics out of the home office, do that too. Find what gets you in the right mindset for getting work done, and make it a regular part of your workday routine.

Monday, October 12, 2015

How to Live a Frugal Lifestyle


Living a frugal lifestyle may sound hard, but it's quite easy with all the various choices. No matter what you need to buy, there's no longer a need to leave your home. Rather than wasting time and money driving your car into town or to the mall, finding and paying for parking and then browsing the stores to find the best deals, you can stay at home and shop online.

Shopping online has become not only the best way to find good deals, but it's even the spot to find the best car title loan companies. Online car title loans provide you with one hour cash to use for purchases, home repairs, trips or for anything you need.



How to Comparison Shop


Comparison shopping is where you'll save the most money. But first, ask yourself the biggest question of all. Do I really need this? By living frugally, you don't want to binge shop or buy anything on impulse. 

You want to only buy what is absolutely necessary, but if you need it, then find the cheapest source. With online shopping, you can easily compare the same item at several places so you'll get the best price possible. Be sure to also check the online store's return policy.

Food for the Family


After the mortgage and utilities, the food is a big item in a monthly budget. There are different levels of living a frugal life when it comes to food, but without digging a garden and actually growing your own food, finding the cheapest grocery stores prices is probably your best bet. 

Watch the weekly ads for the food markets around you but also take time to visit the local farmer's market. In most towns there is an open market where the local farmers can gather to sell their home grown produce. This can often times be cheaper than the grocery store and you can be sure it's fresh. 

Rather than being transported great distances, it was grown in your area. When shopping at the grocery store, be sure to take newspaper coupons for even greater savings.

Paying by Cash


Once you've saved a lot of money on discount shopping, don't add to the expense by paying for your purchases with a credit card. Credit card companies make a lot of money in the high interest they charge. 

And if you don't get your payment made on time, they'll charge you even more money in late fees and added interest. Avoid all of that hassle and expense by applying for car title loans. An auto title loan is easy to get and there is no credit check. Fill in an online car title loan application form and submit it with your car title. 



In less than an hour you will get a cash advance of $2,501 to $20,000, depending on the value of a car that you own. Use the money to pay cash for your purchases and avoid credit card debt.

Sunday, October 11, 2015

How to Make Affording Your Medicine Easier on Your Wallet

Prescription medication is expensive, and it gets more expensive every year. The good news is, there are a number of things you can do to make affording your medicine easier on your wallet. 

If you are getting overwhelmed by medical bills and prescriptions and don’t know what you should really be paying, make sure you get educated. Use these tips at the doctor’s office to help make bills more manageable and easier to understand.

Ask for Free Samples


If your doctor is prescribing you a one-time dose of medication such as an antibiotic or if they are starting you on a new medication, ask if you can get a free sample. Doctors often get samples from drug companies, especially ones that are new to the market.



If you are getting a medication for the first time, you might suggest a free sample as a way to "try it out" to make sure it works before committing to a prescription. Make sure you ask extensively about what side-effects you might experience and discuss any allergies you might have. 

Use Generic Drugs


Generic medicines are much cheaper than their brand-name counterparts, so you can save a lot of money by using them. For any drug you are being prescribed, ask your doctor to prescribe a generic if it is available. If a generic isn't available, ask if there is a similar generic drug you could use. 

Most pharmacies can help you navigate which drugs will be similar enough as well. Always ask questions and do your research. Your pharmacy will be able to help direct you to similar drugs and maybe even over the counter options that do similar things.


Buy in Bulk


Prescription medicine, like many other items, costs less if you buy more of it at once. If your health insurance company offers mail order or bulk purchases, you can save money by buying more than a one-month supply of maintenance drugs you take every month, such as asthma medicine you need refills of often. 

Ask your doctor to give you a prescription for three months, six months, or even a year at a time. If your insurer doesn't offer a mail order option or you don't have insurance, ask your pharmacy if it offers discounts for bulk purchases. There are many ways you can buy in bulk so shop around to find an option that works best for your lifestyle. 

Shop Around


You would think all medicines cost the same at every pharmacy, but that's not always the case. When you get a prescription, you should call around to different pharmacies to see if there is a price difference. 

If you wind up going to a different pharmacy, you might save even more money because they can give you discounts or rebates for switching a prescription to them.

You might also go to an alternative clinic like the ICE, Institute of Cardiovascular Excellence who do their own billing. Talk to them to see what kinds of billing options are available. 



You can often break up bills and find ways to finance with your clinic so you have a system that works best for you. Just asking can help you find ways to save in the long run. Don’t be afraid to ask and get tips for how to finance from others in your position. 

Prescription medication is not cheap, but it doesn't have to break the bank, either. By following these tips, you can ensure you don't pay more than you absolutely need to, which makes it easier to afford your medicines.


Thursday, October 8, 2015

Retirement Rewards: Surprising Ideas for Filling Your Years Off

Choosing a specific retirement path can be difficult because there are many choices and factors that can go into your decision. For example, retirees must consider their personal goals, preferred location, and medical needs. 

You may also have to decide how important your social life is, and whether you want to rent or own your own place. However, there are many surprising ideas for retirement you may not have considered yet.


Travel and Teach


Most seniors don’t realize it, but there are endless opportunities for seniors to teach English abroad. The basic requirements for ESL, or English as a Second Language, teachers are just a bachelor’s degree and a passion for helping other’s learn. 





Teaching English overseas is an amazing opportunity to get paid to travel and help students of all ages learn English. English teachers are in high demand in many areas of the world, such as Asia, South America, and the Middle East. 

Seniors could spend a few years living and working in different foreign countries where the salary is high, and the cost of living is low.


Traveling in an RV



According to the AARP, living in an RV and traveling around the country is an exciting, yet comfortable way to explore the world and enjoy life. RVs offer different levels of comfort based on their price tag, but all provide the essential basics. 

Traveling in an RV is a chance for seniors to visit popular attractions, places they have always dreamed of, and especially friends and family. As an added benefit, people who live in their RV may not be required to pay local and state taxes. 

However, the AARP recommends that seniors carefully prepare for the RV life through selecting the appropriate RV and insurance. In addition, seniors should plan their trips and destinations to avoid getting lost or help up in places you don’t want to be. 


Making Another Round


Maybe retiring just isn’t what you had in mind and you still have a lot of exciting plans for a business or startup. Don’t be afraid of branching out and starting your own work. Maybe your crafts could turn into a fashion design, or your passion for gardening gets you into the local farmer’s market. 

Even if it’s small, you can use the productivity you still have to hone your skills and earn a little extra. Make use of the savings you never had to use and venture out into your own world of business. You may be surprised what you discover about yourself in the process. 


Retirement Homes


A retirement living home like Sunshine Retirement Living is a perfect solution for seniors who want to maintain independent living, but also an active social life. Retirement homes offer private rooms, but community spaces, such as recreational or community rooms. Retirement living homes offer excellent safety and security. 

Other benefits include zero home maintenance, transportation services, and the opportunity to downsize and live simply. More importantly, there are assisted living services for those with daily living needs. This could include help with basic tasks, or special care for those with memory or functioning difficulties. 

In the end, retirement living homes offer vital social opportunities that are vital for senior well-being.




Seniors should look forward to retirement because there are multitudes of interesting opportunities awaiting them, such as teaching abroad, traveling in an RV, or comfortably living among friends in a retirement living home. 

Don’t feel like you have to be trapped in one place once your career is over. Use these ideas to continue doing what you love.


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