10 Great Alternatives to the Classic 52 Week Money Challenge

Ten alternatives to the 52 week money challenge
It’s that time of year when people are looking to better their finances as part of their New Year’s resolutions, and many decide one way to do this is through the 52 week money challenge. The challenge is a simple and effective way to save money that isn’t complicated. All one has to do is save $1 corresponding to the week of the year. For example, during week one, you would save $1. During week two you would save $2 and during week three you would save $3. You continue this every week of the year until the last week when you would save $52. By doing this each week, at the end of the year you will save $1,378. 

 

While the classic challenge can help a lot of people save money, there are some limitations to it. The challenge also doesn’t fit the finances of all people. The result has been that there are a lot of alternatives created to this challenge you can do, one of which is likely to fit nicely with your current finances and financial goals. Below you’ll find ten alternatives to the 52 week money challenge to consider. (Click on the headlines to get more detail about each challenge and to print that specific challenge sheet.)

Modified 52 Week Money Challenge

The modified 52 week money challenge allows you to choose how much you save each week from $1 to $52. Instead of going in order from $1 to $52, you can choose any amount that is still left on your challenge chart. Since it’s difficult to predict when you will have a week where you can’t save as much as you hoped, this modified challenge gives you more flexibility to succeed. The goals should always be to save the highest amount still on your chart, but if you can’t for whatever reason, you can substitute that for a smaller amount.

26 Bi-Weekly Money Challenge

Some people get paid bi-weekly and find it easier to save the money for the challenge when they get paid, rather than each week. They find that when it comes to week 2 after they have been paid, they may not have the money left to save. For them, it’s easier to pay the money for the two weeks as soon as they get paid and they have it available. You can also try the twice a month money challenge if you get paid this way rather than bi-weekly.

Monthly Money Challenge

Much like the issue that people who get paid bi-weekly have, those who get paid monthly also can find it difficult to save the money the week before they’re paid. Many find it easier to pay for the entire month when they get paid and have the money. It’s the classic “you don’t miss what you can’t see” philosophy behind pay yourself first.

Double 52 Week Money Challenge

For those who want a bit more of a challenge than simply $1 a week, they can try the 52 week double challenge. In this challenge all the numbers are doubled, so at the end of the year you end up with $2,756 instead of $1,378. It’s a great challenge for those who believe they can save a little more and want to challenge their savings a bit more.

Mega 52 Week Money Challenge

For those who are really looking to jumpstart their savings, the mega 52 week money challenge might be exactly what they’re looking for. Instead of $1 a week, the mega challenge shoots for $5 a week. For those able to complete the mega challenge, they will find an extra $6,890 in their bank account at the end of the year.

52 Week Mini Money Challenge

Also called the 52 week half challenge, this one uses $0.50 each week instead of $1. This makes it easier to save the money, but it also means you’ll end up with half as much at the end of the year ($674 instead of $1,378). For those who want to take the challenge, but start a bit slower, this can be the perfect alternative.

52 Week Coin Challenge

On the opposite end of the double and mega challenges is the 52 week change challenge. In this challenge, you simply save the number of coins for each week of the year. In week one you save a single coin, while in week fifty-two, you save 52 coins. The amount you save will depend on the value of the coins you save each week. Another option is to save specific coins during the year such as a 52 week challenge for pennies, nickels, dimes and quarters.

52 Week Bill Challenge

The 52 week bill challenge is like the coin challenge, but uses bills instead. In the first week, you save a single bill (it could be a $1, $2, $5, $10, $20, $50 or $100 bill), week two, 2 bills and week fifty-two, 52 different bills. In this challenge you would save a minimum of $1,378 (if you only used $1 bills), but it could be much more depending on the bill denominations you save each week.

365 Day Money Challenge

Some people find that in order to save money, they need to do it on a daily rather than weekly basis. For those who want to make sure saving money becomes a habit this year, the 365 day money challenge can be a great alternative. In this challenge, you begin with a penny on day one and end with $3.65 on day 365.

Create Your Own 52 Week Money Challenge

None of the above money challenges meet exactly what you’re looking for? That isn’t a problem. You can simply create your own 52 week challenge which meets the exact specifications and needs you want. You know yourself better than anyone else, so creating your own specific challenged will give you the best chance of completing it.

For all these challenges, it’s important to remember the actual amount you decide to try and save is not nearly as important as creating the habit of saving money on a consistent basis. Once this habit has been formed, you can then increase the amounts you save to meet your current financial situation. While each challenge is an important step to jump-start your savings, it’s the habit of consistency which will help your finances in the long run.

20 Unexpected Ways to Whiten Your Teeth

As a recent dentist-visiting convert, (having always been terrified) I’m nowvery into looking after my teeth. A trip to the hygienist is the best way to get whiter teeth, but for in-between appointments, why not try these natural ways to keep your teeth white?

If you’re partial to cups of tea, glasses of red wine, buckets of coffee and smoking then you might find your teeth have got discoloured. Find out how to get rid of the stains now… (oh, and if you’re a fan, please share this article – we’re trying to spread the word about our website!).

Try out…

1. Chocolate

Quick, run to the shop.
Nip round to the shop, there’s a dear.

If you’ve ever stuffed your face with chocolate, resulting in a questionable brown smile you might find this one a surprise. Pick up some dark chocolate when you next head to the shop and you will help bacteria from sticking to your teeth. It also contains theobormine , which has been found to be better than fluoride at hardening and re-mineralising tooth enamel.

2. Steak

steak
I’ll have the fillet please. Oooh, & peppercorn sauce.

Chewing a steak will keep mouths and gums exercising which will give them strength. The phosphorus will also help to protect teeth bone and enamel. What a great excuse to head to a fancy restaurant for a tasty bit of  steak.

3. Cheese

cheese
Cheeseboard time!

Great news for cheese fans – the yellow treat been found to increase alkaline saliva and forms a protective layer around your teeth which will help keep acid away. Hard cheeses will also help to remove old food from your teeth. Quick, crack out the cheese board.

4. Orange peel

orange
Orange you happy your teeth are so white?

Cut an inch strip of orange peel with the pith (the white) facing you and cover your teeth with it. Rub it back and forth over your teeth and the acid in the orange peel will help to brighten them. Remember to brush your teeth afterwards, but not immediately – you don’t want to damage tooth enamel weakened by acid.

5. Baking soda paste

baking soda
Fizz-tastic stuff.

Mix a couple of teaspoons of baking soda with water or fresh lemon juice to make a paste. After wiping your teeth from saliva with a paper towel, put the paste on your toothbrush and use it to coat your teeth. Leave for a minute and then rinse!

6. Strawberries

strawberries
Your teeth will be so berry pretty.

Packed full of vitamin C, strawberries will help your yellowing teeth. Once a week, try mashing up some strawberries to make a paste. Rub it onto your teeth – only do this once a week to avoid causing damage to your enamel. Don’t forget to brush your teeth afterwards to reduce the acidity in your mouth.

7. Salt

salt
Take a tiny little wooden spoon…

Got some table salt? Mix a little with some baking soda to make a rub for your gnashers. It’s an inexpensive treatment for your teeth – try it twice a week and see how you go.

8. Lemon

lemon
Oh lemon, you really are a useful fruit.

Gargle with the juice of a lemon and rub the peel all over your teeth to help get rid of yellow marks. Like with other fruit solutions, brush your teeth a little while after to avoid erosion from this acidic food.

9. Charcoal

charcoal
Grab a brush & some coal!

It’s a weird one, but go grab yourself some charcoal powder. Mix it with your regular toothbrush and have a brush. Coffee, tea, wine and plaque will soon be removed – amazing!

10. Apple

apple
Granny Smith, Braeburn or Red Delicious?

An apple-a-day can keep the dentist away too – they will cleanse and brighten your teeth because of their mild acidic nature. This crunchy fruit will help rub away those stains over time. The water content will increase your saliva production as well, which will help with bacteria which leads to plaque.

11. Nuts & seeds

nuts and seeds
Not just for squirrels & birds.

Chew these hard foods to help rub away plaque and stains. They’re also full of healthy fats and protein. Nuts and seeds are not just for woodland creatures!

12. Celery

celery
Crunch. Crunch. Crunch.

The high water content in celery will stimulate saliva production, and you can look forward to getting rid of old food in your mouth as well. Your gums will also be strengthened by that crunch. Plus, it’s pretty darn good for you.

Stay away from…

13. Ice

ice
Ice ice baby, will hurt your teeth maybe.

Stop chewing on ice – it will make your teeth vulnerable and you could end up cracking your teeth! If you find you can’t stop chewing ice, it may be that you have an iron deficiency, so get yourself to a doctor to find out more.

14. Tongue piercings

tongue
Get rid of it!

If you’ve ever had your tongue pierced, you’ll know you can’t help but play with it. Rubbing the metal along gums and teeth can damage them – it could even lead to tooth loss.

15. Opening bottles with your teeth

bottle opener
You could probably pick one up for a £1 today.

Don’t risk cracking or chipping a tooth by opening a bottle with your teeth! Perfectly good opening devices exist, so you have no excuses. I’m guessing it would probably hurt as well…

16. Red wine

red wine
Red, red wine. You stain my teeeeeth.

Acids in wine will erode your tooth enamel. It also contains tannins and chromogen, a deep pigment which help the colour stick to your teeth – this is why your teeth often can look red after a glass or two. Try keeping a glass of water for after your drink to help combat the staining effects.

17. Dried fruit

dried fruit
Don’t forget to rinse.

Sticky foods such as dried fruit can damage your teeth because they tend to stay on teeth for a long time. Rinse with water to help get rid of the sticky remains and brush and floss as soon as you get the chance.

18. Crisps

crisps
Put down that packet.

Starchy foods like crisps may lead to tooth decay when it gets stuck in between your teeth. Floss after eating a packet to help prevent this. If you can give them a quick brush – even better.

19. Coffee

cofffee
Step away from the coffee.

The dark colour of coffee and acidity can yellow teeth. If you’re drinking iced coffee, use a straw to keep the liquid away from the front of your mouth. Brush and floss to keep plaque away.

20. Cigarettes

cigarettes
Quit – go on, you CAN do it.

Tobacco products can stain teeth and can interfere with saliva production which helps the surface of your teeth keep clean. Quit! Consider Allan Carr’s Easy Way to Quit Smoking – or get yourself free quitting support from the NHS.

21. Energy drinks

cans - nos
Giving you the energy you need to clean your teeth.

Sugar is one of the main ingredients of sports drinks so make sure you stay away from bottles that are high in sugar. Have a rinse around with a glass of water to help wash it away.

22. Fizzy drinks

energy drinks
Bubbles, so many bubbles.

Your favourite sugary drink could be weakening your tooth enamel so try and limit what you drink. If you have to, then choose a bottle of fizzy drink that’s low in sugar.

23. Sweets

sweets
So many colours – so bad for your teeth!

I don’t need to tell you that sweets are bad for your teeth. I don’t just mean sticky sweets – sour sweets, chewy sweets, cakes – they all contain high levels of sugar which will get stuck in your teeth and cause tooth decay.

Good luck with your teeth! 

 

I’d love to read any comments you have below & don’t forget to share this article if you’ve found it useful…

13 THINGS YOU SHOULD KNOW ABOUT BREAKING BAD HABITS


bad-habits


Bad habits…. We all have them! Whether it’s smoking, stress eating or breaking plans at the last minute, there is always some behaviour we could do without. But how do we stop?

Changing ingrained behaviours is tough. Here are simple coping strategies to help you overcome the not-so-great ones.


Read more at http://www.readersdigest.ca

10 Home Remedies For Arthritis

If you are a first-time visitor, please be sure to like us on Facebook
Top-10-Home-Remedies-For-Arthritis

Arthritis is an autoimmune disorder that causes inflammation of the joints. Areas like the jaw, elbows, knees and hips are most vulnerable. In the early stages, you may complain of pain from time to time. But being physically active gradually becomes more challenging as arthritis progresses – and as the condition worsens some find themselves home bound. In America, Arthritis is the number 1 cause of disability. [1]

There are over 100 different forms of Arthritis. It could be the primary disorder or a consequence of another disease. There is no official known direct cause of Arthritis. Genetics are regarded to play a huge role in the development of this disease. Doctors prescribe over-the-counter pain killers and anti-inflammatory for people suffering from arthritis. However as we know, these prescribed drugs may create side effects. As a result, people have begun looking for natural alternative treatments for Arthritis.

 

10 Home Made Remedies That Offer Arthritis Sufferers Relief

 

1. Ginger – The Chinese and Indian have used ginger extensively for 25,000 years against nausea and pain. Today, ginger remains one of the most widespread natural pain relievers, and this has been supported by some scientific studies. A study conducted in University of Miami School of Medicine headed by renowned rheumatologist Professor Ray Altman has discovered that ginger does provide relief from pain. [2] The proponents of the research studied the reaction of 250 subjects with osteoarthritis. Some were given placebo while the rest received ginger pills. The group noted that 67% of those taking ginger tablets reported significant relief from pain. So you could make it a habit of drinking a cup or two of ginger tea, and if you prefer a slightly sweeter taste- add honey.

2. Celery – Obviously a perfect choice for garnishes dishes, Celery has another use for medical purposes. Clinical studies show that Celery – surprisingly – contains more than 20 anti-inflammatory agents! One compound is polycetylene that provides relief for inflammation involved in rheumatoid arthritis, gouty arthritis and osteoarthritis. Another recent study conducted in America discovered the phytonutrient called luteolin, which is held responsible for the prevention of activation of a neuro pathway that allows inflammation. The same phytonutrient curbs down the excess production of TNF-alpha, which is known as the direct cause of inflammation. [3] If you are suffering from arthritis, drink as many celery juices as your lifestyle can afford.

3. Warm Water Bath or Hot Compress – Hot compress does a good job in providing relief from pain, and it has probably been mentioned in every health-related book. In the case of arthritis where joints are painful, you can get relief from pain by using a hot compress if the condition is still on its early stage or the joint pain is isolated. However, if the pain location is multiple, get on a tub filled with warm water and immerse for about 30 minutes to a maximum of 1 hour.

4. Peppermint – You may not know this, but peppermint contains significant anti-inflammatory agents and is extensively endorsed as an alternative medicine for mild headaches and toothaches. To get the same benefits for relieving arthritic pain, you can use the extracts of peppermint as a hot compress or as a juice. To make a hot compress out of peppermint, just pound some pieces of fresh leaves heated over the fire and apply it directly over the affected joints. To keep the leaves in place, wrap a bandage around it. To make a drinking juice, boil at least 4 sundried or air dried leaves in 2 cups of water for at least 15 minutes. Drink half or one full glass, depending on the severity of pain every four hours.

5. Epsom Salts – According the US National Academy of Sciences, deficiency in magnesium accounts for higher rates of stroke, stress-related disorders, osteoporosis, heart disease, chronic fatigue, and arthritis. Therefore, a little help from Epsom salts to soothe arthritic and joint pain could go a long way. Epsom salts are also known as hydrated magnesium sulfate. The high content of magnesium and sulfates Epsom salts is the reason why we will forever need help from this kitchen staple. Since magnesium is easily absorbed by the skin, enjoying a bath with a dash of Epsom salts is enough to soothe our joints from pain. The sulfates are not without part as they are responsible for the formation for joint proteins. [4] Here’s what you must do if your joints feel vulnerable and sore: immerse yourself in a tub of lukewarm water diluted with a cup of Epsom salts.

6. Fish Oil – In any illness that involves inflammation, one should pay attention to the hormones that control it and they are called prostaglandins, which are made from the omega-3 fatty acid. Do you know an item found in your kitchen that has a high content of omega-3? Yes, fish oil it is. The prostaglandins from omega-3 fatty acids are very relevant in arthritis because they are capable reducing inflammation. [5] Also, fish oil encourages the production of sulphate, which is mentioned in the previous item that is responsible for joint protein formation. So from now on, you might want to eat some fish that has high concentrations of fish oil but low in mercury concentrations i.e. Salmon.

7. Cinnamon and Honey – The combination of cinnamon and honey is considered a haven from several ailments including arthritis. A study at Copenhagen University indicated that a cup of honey and cinnamon before breakfast is a powerful beverage for providing relief of arthritic pain. [6] Simply mix 1 teaspoon of honey and half a teaspoon of cinnamon powder in a cup of hot water. Starting with a smaller amount is always good until you know “how much is too much” – however if you prefer a stronger taste, some make it 2 teaspoons of honey and 1 teaspoon of cinnamon powder.

8. Eucalyptus Oil – The oil from this medicinal plant has discovered to have anti-inflammatory and anti-arthritic properties. A study conducted in India suggests the potential action of eucalyptus oil as anti-inflammatory and ant-arthritic agent. Although it was tested via the in-vitro method, this breakthrough sets a platform for therapeutic use in the future, and encourages further studies. [7] For now, dab a drop or two of eucalyptus oil directly over the affected joint and massage it tenderly.

9. Cherries – This red fruit can lower the incidence of gouty arthritis attacks, and an interesting study performed in Boston can help point out the truth behind this claim. The proponents studied 633 subjects with gout, and results showed that those who had cherry intake for over a 2-day period has a significant 35% decrease of gouty arthritis attacks. [8] If you are suffering from gouty arthritis, try eating some fresh cherries or treat yourself to a refreshing glass of cherry juice. Simply put several pieces of cherries in a blender and add water for a delicious, natural juice treat.

10. Turmeric – This is a common kitchen spice found in almost all households in India and some parts of Asia. Some studies show the probability of turmeric as an alternative treatment for arthritis because of it anti-inflammatory and antioxidant properties. Compounds present in turmeric suggest that it has a capability to ease symptoms of arthritis such as inflammation and pain, [9] although further studies are encouraged by experts.

Note: We also have another 2 pagea related to this arthritis – Top 10 Herbs For Arthritis and How To Make Hot Pepper Cream For Arthritis And Joint Pain

 

References

 

[1] “Arthritis.” Wikipedia. N.p., n.d. Web. 22 July 2013. http://en.wikipedia.org/wiki/Arthritis

[2] Chapman, James. “How ginger can ease the agony of arthritis.” Health. Mail Online. N.p., n.d. Web. 22 July 2013. http://www.dailymail.co.uk/health/article-85239/How-ginger-ease-agony-arthritis.html

[3] Water, Sheryl. “The Incredible Powers of Celery Juice.” Natural News. N.p., 24 Oct. 2008. Web. 22 July 2013. http://www.naturalnews.com/024596_celery_juicing.html

[4] Breyer, Melissa. “Health Benefits of Epsom Salt Baths.” Food Matters. N.p., n.d. Web. 22 July 2013.http://foodmatters.tv/articles-1/health-benefits-of-epsom-salt-baths

[5] Moss, Margaret. “Arthritis: A Nutritional Approach.” N.p., n.d. Web. 22 July 2013.http://hciglobal.fatcow.com/library/articles/CMM022Moss.PDF

[6] “Cinnamon and Honey.” Rheumatoid Arthritis Support Group. MD Junction. N.p., 2 Jan. 2013. Web. 22 July 2013. http://www.mdjunction.com/forums/rheumatoid-arthritis-discussions/general-support/10368283-cinnamon-and-honey

[7] Rahman, Habibur, Chinna Eswaraiah, and Kamala Vakati. “In-Vitro Studies Suggest Probable Mechanism Of Eucalyptus Oil For Anti-Inflammatory And Anti-Arthritic Activity.” International Journal Of Phytopharmacy 2.3 (2013): n. pag. Abstract. Web. 22 July 2013. http://ijpp.ssjournals.com/index.php/journal/article/view/22

[8] Zhang, Y, et al. “Cherry consumption and decreased risk of recurrent gout attacks.” Arthritis and Rheumatism 64.12 (2012): 4004-11. Abstract. PubMed.gov. Web. 22 July 2013.http://www.ncbi.nlm.nih.gov/pubmed/23023818

[9] “Turmeric (Curcumin).” Vitamins and Supplements Lifestyle Guide. Web MD. N.p., n.d. Web. 22 July 2013.http://www.webmd.com/vitamins-and-supplements/lifestyle-guide-11/supplement-guide-turmeric

41 Genius Camping Hacks You’ll Wish You Thought Of Sooner

1. Make pizza in your pie iron with biscuit dough.

Get the complete recipe here. You can also just use sliced bread and a little butter.

Search for pie irons

2. Line your pie iron with foil for easy clean up.

Line your pie iron with foil for easy clean up.

You can go from grilled cheese to apple pie pocket with practically no clean up.

3. Wrapping your meat in cabbage leaves will keep it from getting burnt to a crisp.

Wrapping your meat in cabbage leaves will keep it from getting burnt to a crisp.

The cabbage is dense and moist enough to create the perfect nonstick barrier. No more accidental charred-to-a-crisp meals!

Want to see more articles like this? Follow us on Facebook

4. A miniature Tic Tac box makes a great miniature tackle box.

A miniature Tic Tac box makes a great miniature tackle box.

5. Adding sage to your campfire or fire pit keeps mosquitoes and bugs away.

Adding sage to your campfire or fire pit keeps mosquitoes and bugs away.

6. Kids can make an adorable and easy keepsake bracelet out of duct tape.

Kids can make an adorable and easy keepsake bracelet out of duct tape.

They can stick things on, like tiny pebbles, flowers, or leaves, and create a souvenir from their nature walk. Just make sure the sticky side is on the outside.

Want to see more articles like this? Follow us on Facebook

7. Here’s an awesome s’mores hack your kids will love:

Here's an awesome s'mores hack your kids will love:

8. Stove top popcorn (like Jiffy Pop) can be made over a campfire.

They’re so easy to transport, and kids will be amazed when the foil begins to expand. Just be careful, as the handle will become very hot.

9. Keep extra duct tape for emergencies right on your water bottle.

Keep extra duct tape for emergencies right on your water bottle.

10. Make eggs and bacon in a paper bag.

It’s an easy way to make multiple breakfasts at once. Get the recipe/directions here.

11. Use an acorn cap to loudly whistle for help if you’re lost in the woods.

Use an acorn cap to loudly whistle for help if you're lost in the woods.

Get the step-by-step instructions here.

Or make a willow whistle.

Or make a willow whistle.

Get the instructions here.

Want to see more articles like this? Follow us on Facebook

12. These compact towels can dry off two people after swimming and are dry to the touch within an hour of use.

These compact towels can dry off two people after swimming and are dry to the touch within an hour of use.

Purchase here.

13. Bailey’s dipped toasted marshmallows are a must for camping.

Bailey's dipped toasted marshmallows are a must for camping.

Toast a marshmallow over hot coals, and then dip the warm marshmallow into a cup of Bailey’s. They’re so delicious and addictive, you’ll want to make them even when you’re NOT camping.

14. Make flaming Jell-O marshmallow shots.

Make flaming Jell-O marshmallow shots.

HOW COOL IS THIS. Fill the marshmallows with a Jell-o mixture and dip into rum. Get the full recipe/directions here.

15. Make a last-minute camping spoon with a knife and a plastic bottle.

Make a last-minute camping spoon with a knife and a plastic bottle.

16. Fill a gallon milk jug with water and 1/4 cup salt to use as a salt block for your cooler.

The jugs mean that you won’t get water all over your food when the ice melts. The salt will make the cold last longer — however, it also means that the water in the jugs won’t double as emergency drinking water.

Read more about it here.

Want to see more articles like this? Follow us on Facebook

17. Carry your seasonings in straws.

Carry your seasonings in straws.

Just use a lighter to re-seal.

18. You can also keep seasonings, toppings, and condiments separate but organized in stackable pill containers.

You can also keep seasonings, toppings, and condiments separate but organized in stackable pill containers.

Label with a Sharpie.

19. Blue cheese filled bacon-wrapped mushrooms are the savory version of a campfire s’more.

Blue cheese filled bacon-wrapped mushrooms are the savory version of a campfire s'more.

Get the full directions here.

20. This is the coolest tarp trick:

This is the coolest tarp trick:

Use a small stick to help secure the main center line. When pressure is put on one end, the line will tighten evenly, keeping the grommets from being torn out.

21. Pre-make your food and vacuum seal it.

Pre-make your food and vacuum seal it.

It will stay fresh longer and will be easier to pack.

22. Keep your toiletries hooked onto a shower caddy.

Keep your toiletries hooked onto a shower caddy.

You can buy one here for $9.95 or make your own.

23. Slit foam swim noodles lengthwise and slip over each awning strut.

Slit foam swim noodles lengthwise and slip over each awning strut.

Not only are you less likely to bump into them in the dark, but they’ll be padded!

You can also use a pool noodle to cushion a canoe before strapping it to your car to protect from scratching.

24. Carry some emergency TP in an Altoids container.

Carry some emergency TP in an Altoids container.

Especially if you’re going to be venturing off on a hike or nature walk.

25. A 16-ounce water bottle will hold 8–9 large eggs.

A 16-ounce water bottle will hold 8–9 large eggs.

Pre-scrambling your eggs will save you the trouble of having to figure out a way of transporting them. It also eliminates the need for a separate bowl and whisk.

26. This collapsible silicone coffee dripper takes up almost no space.

This collapsible silicone coffee dripper takes up almost no space.

And it has a super high Amazon.com rating. Get it here for $10.99.

27. For fewer burrs, rub the laces of your hiking boots with paraffin before hitting the trail.

28. Corn chips (like Fritos or Doritos) make a great substitute kindling when starting a fire.

Corn chips (like Fritos or Doritos) make a great substitute kindling when starting a fire.

Rusty Shackleford

29. Make an inexpensive candle lantern out of a used tuna can and a candle.

Make an inexpensive candle lantern out of a used tuna can and a candle.

The foil will reflect the light and create more glow. It could potentially block some wind, as well.

30. Silicone cups are unbreakable and super easy to pack.

Silicone cups are unbreakable and super easy to pack.

Get ‘em here.

31. Make toothpaste dots.

Make toothpaste dots.

Spread them out on a plate, let them dry for 2–3 days, and then sprinkle baking soda over them. Once they dry, just pop them into a resealable plastic bag.

32. Keep your TP dry in a CD spindle.

If you’re trying to save space because you’re backpacking, take the tube out and flatten the toilet paper. Keep it in a plastic bag instead.

33. Instant grits will keep ants away from your campsite.

Instant grits will keep ants away from your campsite.

Just sprinkle wherever you see the ants.

[source]

34. Use biodegradable trail marking tape so you don’t get lost while hiking.

Use biodegradable trail marking tape so you don't get lost while hiking.

Buy it here.

35. Safely remove a tick with a cotton ball soaked in liquid hand soap.

Keep it on the tick for at least 20 seconds. The tick will cease biting, back out, and will remain stuck to the cotton ball when it’s pulled away. If the tick has been embedded for awhile, keep it in a jar so you can test it for Lyme disease.

[source: Budget101]

Note that there is debate on whether this actually works. Here’s a testimonial that says it does, but there’s no scientific evidence to back it up, so try at your own risk and keep a pair of tweezers in your first aid kit.

36. Your deodorant doubles as a mosquito bite itch queller.

Your deodorant doubles as a mosquito bite itch queller.

37. Make solar camp lanterns out of mason jars and solar disks.

Make solar camp lanterns out of mason jars and solar disks.

Get the full directions here.

38. Johnson’s Baby Creamy Oil doubles as a super effective mosquito repellent.

Johnson's Baby Creamy Oil doubles as a super effective mosquito repellent.

Peggy Wang/BuzzFeed

And you won’t smell like bug repellent.

39. Glue sandpaper to the top of your match holder.

Glue sandpaper to the top of your match holder.

Keeping your matches in a tupperware or stainless container will ensure they don’t get wet.

40. Cobble together a makeshift shower using a large water jug and a watering can head.

Cobble together a makeshift shower using a large water jug and a watering can head.

Get the full directions here.

41. Make camping sangria concentrate using a mason jar.

Make camping sangria concentrate using a mason jar.

No, you don’t have to go camping to try this delicious sangria. Get the full recipehere.

A Priest Stuns Wedding Guests With Unbelievable Performance Of “Hallelujah”.

Hallelujah! Irish priest’s incredible surprise rendition of hit song during couple’s wedding leaves the bride in tears

A priest stunned an Irish couple by breaking out into song with a surprise rendition of Hallelujah at their wedding, leaving the bride crying with joy.
Father Ray Kelly surprised Chris and Leah O’Kane with the note-perfect performance during their marriage ceremony at Oldcastle, Meath in Ireland.
The video of Father Kelly’s heartwarming performance was then uploaded to Youtube on Monday making the priest an internet hit after having 240,000 viewings in just two days.

wedding2
article-2600904-1CF7FDBD00000578-33_634x371article-2600904-1CF7FCB500000578-801_634x374article-2600904-1CF8174400000578-788_306x423article-2600904-1CF7F51B00000578-275_306x423article-2600904-1CF7F87700000578-55_634x406

Unhealthy, Cancer Causing Foods – Never Eat These AGAIN!

Top 10 Most Unhealthy, Cancer Causing Foods – Never Eat These AGAIN!

Top 10 most unhealthy cancer causing foods – never eat these again Top 10 Most Unhealthy, Cancer Causing Foods – Never Eat These AGAIN!

The statement “everything causes cancer” has become a popular hyperbole, and one that some people use as rhetorical fodder to excuse their own dietary and lifestyle failures, particularly as they pertain to cancer risk. But the truth of the matter is that many common food items have, indeed, been scientifically shown to increase cancer risk, and some of them substantially. Here are 10 of the most unhealthy, cancer-causing foods that you should never eat again:

1) Genetically-modified organisms (GMOs). It goes without saying that GMOs have no legitimate place in any cancer-free diet, especially now that both GMOs and the chemicals used to grow them have been shown to cause rapid tumor growth. But GMOs are everywhere, including in most food derivatives made from conventional corn, soybeans, and canola. However, you can avoid them by sticking with certified organic, certified non-GMO verified, and locally-grown foods that are produced naturally without biotechnology.

HEALTHY ALTERNATIVE: NON-GMO food & NON-GMO Garden Seeds

2) Processed meats. Most processed meat products, including lunch meats, bacon, sausage, and hot dogs, contain chemical preservatives that make them appear fresh and appealing, but that can also cause cancer. Both sodium nitrite and sodium nitrate have been linked to significantly increasing the risk of colon and other forms of cancer, so be sure to choose only uncured meat products made without nitrates, and preferably from grass-fed sources.

HEALTHY ALTERNATIVE: Beef Jerky

3) Microwave popcorn. They might be convenient, but those bags of microwave popcorn are lined with chemicals that are linked to causing not only infertility but also liver, testicular, and pancreatic cancers. The U.S. Environmental Protection Agency (EPA) recognizes the perfluorooctanoic acid (PFOA) in microwave popcorn bag linings as “likely” carcinogenic, and several independent studies have linked the chemical to causing tumors. Similarly, the diacetyl chemical used in the popcorn itself is linked to causing both lung damage and cancer.

HEALTHY ALTERNATIVE:  PopCorn

4) Soda pop. Like processed meats, soda pop has been shown to cause cancer as well. Loaded with sugar, food chemicals, and colorings, soda pop acidifies the body and literally feeds cancer cells. Common soda pop chemicals like caramel color and its derivative 4-methylimidazole (4-MI) have also specifically been linked to causing cancer.

5) ‘Diet’ foods, beverages. Even worse than conventional sugar-sweetened soda pop, though, is “diet” soda pop and various other diet beverages and foods. A recent scientific review issued by the European Food Safety Authority (EFSA) of more than 20 separate research studies found that aspartame, one of the most common artificial sweeteners, causes a range of illnesses including birth defects and cancer. Sucralose (Splenda), saccharin and various other artificial sweeteners have also been linked to causing cancer.

HEALTHY ALTERNATIVE:  Healthy Weight Loss Supplements

6) Refined ‘white’ flours. Refined flour is a common ingredient in processed foods, but its excess carbohydrate content is a serious cause for concern. A study published in the journal Cancer Epidemiology, Mile Markers, and Prevention found that regular consumption of refined carbohydrates was linked to a 220 percent increase in breast cancer among women. High-glycemic foods in general have also been shown to rapidly raise blood sugar levels in the body, which directly feeds cancer cell growth and spread.

7) Refined sugars. The same goes for refined sugars, which tend to rapidly spike insulin levels and feed the growth of cancer cells. Fructose-rich sweeteners like high-fructose corn syrup (HFCS) are particularly offensive, as cancer cells have been shown to quickly and easily metabolize them in order to proliferate. And since cookies, cakes, pies, sodas, juices, sauces, cereals, and many other popular, mostly processed, food items are loaded with HFCS and other refined sugars, this helps explain why cancer rates are on the rise these days.

8) Conventional apples, grapes, and other ‘dirty’ fruits. Many people think they are eating healthy when they buy apples, grapes, or strawberries from the store. But unless these fruits are organic or verified to be pesticide-free, they could be a major cancer risk. The Environmental Working Group (EWG) found that up to 98 percent of all conventional produce, and particularly the type found on its “dirty” fruits list, is contaminated with cancer-causing pesticides.

9) Farmed salmon. Farmed salmon is another high-risk cancer food, according to Dr. David Carpenter, Director of the Institute for Health and the Environment at the University of Albany. According to his assessment, farmed salmon not only lacks vitamin D, but it is often contaminated with carcinogenic chemicals, PCBs (polychlorinated biphenyls), flame retardants, pesticides, and antibiotics.

10) Hydrogenated oils. They are commonly used to preserve processed foods and keep them shelf-stable. But hydrogenated oils alter the structure and flexibility of cell membranes throughout the body, which can lead to a host of debilitating diseases such as cancer. Some manufacturers are phasing out the use of hydrogenated oils and replacing them with palm oil and other safer alternatives, but trans fats are still widely used in processed foods.

5 Ways to Stick To Your Financial Resolutions

Fidelity Investments® released their fifth annual study on financial New Year’s Resolutions and found that 54% of Americans (an all-time high) will consider a financial resolution for 2014. The most popular resolution by far was to save more money next year, primarily for long term goals like retirement or college.

Unfortunately, almost a third of respondents stated that in relation to other popular resolutions, such as exercising more, quitting smoking or finding a new job, financial resolutions were more difficult to keep.

“Our research and many years of experience have shown that Americans have a need in three areas, which would allow them to better attain their financial resolutions,” said Ken Hevert, Vice President, Fidelity Investments. “They are calculating the benefit of keeping their resolutions, having a reward for reaching their goals, and breaking down their resolution into smaller, more attainable short-term goals.”

If you struggle with sticking to your financial resolutions, here are a few tips to keep you on track:


1) Create a year-long action plan – Hevert recommends creating a series of monthly goals that move you closer to your resolution. This breaks down your resolution into shorter, simpler goals and allows you to feel confident in your progress. “It’s also a helpful tool to help you stay optimistic about sticking to your resolution throughout the year,” Hevert says. “If you fall off track in March, you know how to make up for it in April.”

If you need some guidance creating a plan, Fidelity has an online annual roadmap. Start the year by revisiting your budget in January.


2) Reward yourself properly – As you progress toward your goal, it might be tempting to reward yourself by spending. While that can provide instant gratification, it may set you farther away from your goal and create a habit for frivolous spending. “Your reward is financial peace of mind,” says Hevert. “Stay focused on satisfaction of your accomplishment and how you’ve benefitted from keeping your resolution.”


3) Make it a team effort – One of the most powerful ways to reward yourself is with affirmations from people you love. According to Fidelity’s fourth annual Couples Retirement Study, the top piece of advice long-time couples had for newlyweds was to make their financial plans together. “Making your financial resolutions with your spouse, partner or family holds you accountable for your progress towards that goal,” says Hevert. “Being able to share your accomplishment with them can be a powerful motivator towards financial success.”


4) Use automatic payment programs – Automatic payments or increases to your investment contributions can take the emotion out of saving more money. Hevert says, “Increasing your contributions by 5-10% can be daunting at first. But by gradually increasing what you put away with automatic payments, you might not even notice the difference.”


5) Revisit your investment balance – Because of recent economic volatility, people have become more conservative with their funds. “If all you are doing to reach your goal is putting away cash, you’ll have to save a larger portion of your income to meet that goal,” says Hevert. “Adjusting your investment portfolio to include the right blend of stocks, bonds and cash can get you closer to your financial goals without contributing additional funds.”

Photo credit: Getty ThinkStock and Fidelity Investments

Read more: http://www.ehow.com/ehow-money/blog/5-ways-to-stick-to-your-financial-resolutions/#ixzz2qclc75bu

Who’s Up for a Challenge? 52 Week Money Challenge

52weekmoneychallenge

 

By now, many of you may have seen the 52 Week Money Challenge floating around the Internet. The idea is simple – build a large stash of savings by the end of the year through weekly deposits that increase $1/week. On Week 1, you contribute $1. On Week 2 you contribute $2. So on and so forth.

I think the challenge is a great idea. According to a study by the University of Scranton, spending less and saving more was the third most popular resolution for 2014. Having a measurable plan with specific action items is a great way to ensure that you stick to your resolution. Also, by gradually increasing the amounts you save each week, you won’t feel such a big impact on your budget, making you less likely to feel discouraged.

Here are a few tips that might help you make the most out of this year-long challenge.

1) Play with the increments. For those who are just starting to stash away funds or might be on a tight budget, this current plan is challenge enough. But if you are looking to save more, play with your budget and develop a plan of your own. If you can handle higher denominations and steeper increases, go for it! If this was supposed to be easy, it wouldn’t be called a challenge.

2) Shop around for an account.I wouldn’t recommend putting your money in a jar or even your primary savings account. For one, you might be tempted to spend what you’ve saved if the cash is at your fingertips. Moreover, a high yield savings account will help you accrue interest on what you save. Currently, Barclays US is offering 0.90% APY on their online savings account with no minimum deposit. That’s much higher than the standard 0.01% APY offered on most standard savings accounts from major banking institutions. Check with your current banking institutions for new savings accounts or look at Bankrate.com to find the right account for your savings needs. If your financial goals are for the long term, this savings products crash course can help you identify the right product for your financial goals.

3) Set a reminder. It’s easy to stick to the money challenge in January when you have $3 to spare. But to hold fast to your resolution weeks from now when the increments are higher, you may need a motivating nudge. Set weekly reminders for the rest of the year. You may also want to include the increments you owe each week and a few words of encouragement.

For those of you that are doing the challenge, I wish you the best of luck. I’ll be doing the challenge too, so feel free to leave a comment about your resolution below or commiserate with me on Twitter.

Photo credit: Imgur

Read more: http://www.ehow.com/ehow-money/blog/whos-up-for-a-challenge/#ixzz2qck96nRw