10 Ways to Save Money Now

Easy and painless ways to save money every day.

1. Trade Starbucks for, well, more bucks. If you’ve already spent $6 on a beverage alone and it’s not even lunchtime, you’ve got a bad breakfast habit. If expensive coffee drinks are draining your funds yet you can’t give up the caffeine, brew your own or give the old deli coffee a try. At less than $1, you’ll be able to save up to $25 a week and a whopping $1,300 a year!

   "Reigning in mindless spending -- and wearing what you already have -- can save you hundreds, if not thousands, a year."

2. Don’t get taken to the cleaners. If you’ve ever been to the dry cleaners, you’ve no doubt scratched your head at the diabolic pricing structures. How can it really cost that much? Spare yourself the bitterness and reevaluate your dry-cleaning needs. Try to cut your bill in half by laundering some items at home.
3. Brown-bag it. If you eat lunch out five times a week and spend about $5 a clip, you’re looking at about $1,300 a year in sandwiches, soups, and other fast foods. But bringing your lunch doesn’t have to suck. If you stock up on readymade items like soups, burritos, and frozen meals, you can save up to $2 to $3 a day. The only thing you need to do is remember to bring it with you!
4. Dine in rather than out. Craving that Indian spot you love to hit on Friday nights? Try making that chicken tikka masala at home. By digging up your favorite recipes online and then heading to the store for all of the ingredients, you’ll save money and have leftovers for the next day. Plus, you’ll get to congratulate yourself on your amazing samosas and pakoras!
5. Ditch the brand names. We’re not just talking about Coach and Polo; we’re talking about Panadol, Hellmann’s, and Charmin too. Whenever possible, choose the generic store brand over your favorite label. Most of the time, the formulation is exactly the same; you’re just paying for the packaging. A dollar or two here and there adds up!
6. Give the horse a rest. If you’ve been called a “shoe horse” or a “clothes horse,” this message is for you. If you’re known for buying clothes, makeup, pillows, or home decor in excess, it’s time to cut back. Reigning in mindless spending -- and wearing what you already have -- can save you hundreds, if not thousands, a year.
7. Jump on the wagon. Alcohol can be a diet-wrecker and a budget-buster. When you’re drunk, you think nothing of buying a round of Grey Goose shots for your nearest and dearest friends (and the awesome dudes you met 10 minutes ago). Later, you go home and wash the booze down with eight slices of pizza and a side of wings. When you control your drinking, you’ll have more money in your pocket and less flab around your waist.
8. Carpool. A year or two ago, we would’ve laughed this idea off. We’re all down with saving money, but carpooling? Doesn’t sound very easy! Fast-forward to 2008 with gas prices climbing higher and higher; suddenly, saving money is no laughing matter. By splitting the drive and cost of gas with just one other person, you can reduce commuting costs by half -- add another person and save more!
9. Watch at home. With the average price of a movie ticket at almost $7 per person (and even more in some areas), a night out at the movies is no longer a cheap date. Add two kids to the mix and it’s bordering on “special occasion” status. Why invest your hard-earned money in what could be a Hollywood flop? Instead, consider blockbuster weekly movies. If you hate the movie, you’ve only spent a dollar or two and you can take it right back to where it came from.
10. Indulge yourself at home. If manis and pedis have become weekly must-haves, it’s time to cut back. Extend the life of your mani/pedis by repolishing rather than running back to the spa for every chip or smudge. By investing in the tools of the beauty trade (remover, polish, and a manicure set), you can save a good chunk of change a month. Now that’s beautiful.
11. Put the money in a jar every time you have saved on something, do this for a month and then open a super fund and keep on putting the pennies in every time you save. Over the years on a 5% interest... Wow, it does become a lot of money !!!
    

What are some of your favorite cost-cutting tips? Share yours below.

10 years younger with whiter teeth

Healthy and white teethmakes you look 10 years younger !
On average, we smile at least 50 times a day. So of course you want to have beautiful, white teeth and a movie-star smile. Everyone remembers a bright, radiant smile—it leaves a lasting first impression. But there’s so much more to a pretty smile
When you smile, your teeth and gums tell a story that’s much broader than just dental hygiene. They speak volumes about your wellbeing. You see, your mouth is the window to the rest of your body. So if your mouth is not healthy, your body is not healthy. That’s why it’s so important to practice good daily oral care.

Are you brushing your teeth properly?

Has your dentist ever told you that you’re not brushing your teeth properly? There’s actually a special brushing method that’s endorsed by the American Dental Association called the Bass technique. It’s widely recognized for effectively cleaning all surfaces of your teeth and removing plaque from the gum line.

What you do is position your toothbrush at a 45-degree angle and use short, quick strokes to brush each tooth. It’s recommended that you brush your teeth for up to five minutes, twice a day, using this technique. But let’s be honest, who spends that much time brushing every day? In fact, studies show that most adults only brush their teeth anywhere from 29 seconds to 1 minute. And the average time brushing is 40 seconds.
A very good way to clean and whitening your teeth is to gargle (hold in mouth) with 3% peroxide for 10 minutes while you take a relaxing bath, and it also cleans off all the germs from your tongue and tonsils. Brush your teeth and rinse after you are done. A great way to keep healthy and beautiful!

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Don't mix finances and love !

After having gone through a messy separation you might find that you are head over heel in debt ?
You are wondering how it happened ?

A few rules every girl should know before she does anything and especially before she falls in love !!!

After you moved in together, got married, and You are the one with the credit... don't ever let him talk you into having a subsidiary card to any of the credit cards you have. let me make explain it in a simple way .

DON'T EVER SIGN AS THE GUARANTOR!!

After the separation I found myself buying my ex partner new girlfriend dinners and gifts.
His son a new computer .. the list is long and so are the expenses.
The worst part is there is nothing you can do about it.
You are doomed if you and you are doomed if you don't.
If you cancel the credit card the debt is for sure yours.. if you let it be and he pays the minimum..then there are things you can do.

Please help us help all our girlfriends out there.
Write to us what you can do and where to find help.
I found that legal aid gave good support.


How to define "being tired"......
I am so tired, we say to easily, I am sure you know what it means ?
It means when you, fall asleep at 8 pm because you can't stay awake any more.
It means you have no interest in your e-mails, and you don't check them.
It means you don't finish your dinner or glass of wine, it finishes you!
It means you forget your darling has not called you or kissed you.
It means you wake up at 2am ,4am and 5 am , thinking " do I have to get up yet"
It means you are mentally exhausted and can't remember what you did 5 minutes ago
It means you just want to sleep.......nothing else matters.. just let me sleep
It means you wake up tired and wish it was evening so you could go to bed!!!!!!!
This is what we have to do to recover from love ?
Is it ?
Make sure you know what you are doing when you are awake or you have to do it when you are " so tired," then it is to late.
Maybe this doesn't make sense .
I don't care, because I am to tired .
Good night !!

How to give a massage

HOW TO GIVE A MASSAGE
Master these rubdowns basics, and a happy ending are guaranteed!

The most sensitive body parts are the head, neck, ears, sides of the body from armpits to hips, inner-thighs, fingers and toes, and, of course, genitals. Here are seven steps to the best massage you'll ever give -- and receive.

Step 1: Warm your hands. With your guy lying on his stomach, buck naked, warm your hands by rubbing them together. Place them on your partner -- one hand on the upper back, one on the lower. Leave your hands there for a long moment; this starts your sweetie on the path to total relaxation.

Step 2: Lather your palms. Rub a small amount of oil between your hands to make it warm. Then start rubbing your hands up and down your sweetie's whole backside. Accentuate the strokes until you feel him relax.

Step 3: Continue down to the legs. Be sure to cover both the front and back with sensual strokes. Don't forget the feet! There's a whole school of massage -- reflexology -- devoted solely to the soles. Spend time really digging into your sweetheart's footsies.

Step 4: Move up to the arms. Use some palm circling on his upper arm and forearm muscles, then use your thumbs to massage the heels of your honey's hands. Be sure to flex his fingers and rotate his wrists.

Step 5: Nurture the neck and head. Anyone who's gotten a scalp massage at a hair salon knows how this makes you tingle all over. Use your fingertips and nails (gently) to really dig in there.

Step 6: Flip him over. Massage his chest muscles, kneading the fleshy parts and using your fingertips to massage the nipples. Imagine that your fingers are following the spokes on a bicycle wheel, and let them circle from the center of the nipple to its edge. Remember to use a light touch! Move down to the abdomen, but take care: Press deeply, but not so much that it hurts. Make sure that what you're doing feels good.

Romantic Ideas for Everyday

20 romantic ways to show your sweetie you care no matter what the occasion.

Valentine's Day, First-Date Anniversary, Tuesday — when you're in love, just about any day is a perfect excuse for sparking romance. Any time you feel the need to connect with your sweetheart, these ideas are perfect — no holiday necessary.

1. Stuff a little love note in your sweetie's pocket, sock, or shoe. For maximum impact, try email.

2. Secretly load a photo of the two of you as the desktop wallpaper on your honey's computer.

3. Burn a CD with tunes from your dating days and include your first dance (or favorite) song.

4. Buy a heart-shaped cookie-cutter and use it to make toast the next morning.

5. Look up the date of the next full moon and celebrate with a champagne toast.

6. Learn to ice skate or in-line skate together. This works best when both of you are beginners — the more clinging to each other, the better.

7. Hate basketball and your main squeeze is addicted to it? Get tickets to a game. Despise musicals? Surprise your sweetie with tickets to a show. Go against the grain, and endure with grace and cheer.

8. Spend the day at a museum, holding hands.

9. Forget breakfast in bed. Have dinner in bed (and don't worry about the crumbs).

10. Go to bed early. No books, no magazines, no remote control.

11. Tell a secret — it'll bring you closer.

12. Create your own cocktail together. Then make up a name for it by combining your two names.

13. Write "I Love You" on the steamy mirror while your beloved is in the shower.

14. Go to a bookstore or music store together, then split up. Your mission: Buy something you know your sweetie will love. Then, wrap and exchange.

15. Have a picnic. It doesn't have to be outdoors, it can be on your living room floor.

16. Absence is an aphrodisiac. Spend a weekend without each other (substitute your best pal, your sister, your old college roommate) and plan to meet back at your place after 48 hours apart.

17. Teach each other about something the other knows nothing about. He can teach her all the rules of chess, or how to make a perfect omelet. She can teach him ten phrases in French and how to use the digital camera.

18. Get away from it all close to home — spend a night in a very luxurious hotel or cozy bed-and-breakfast in your own city.

19. Get dressed together — choose each other's attire (for work, for dinner out, whatever). Then, later, get undressed together.

20. Find your sweetie's car in the parking lot and tuck a love note under the windshield wiper.

Why Less is More !

Cleanse and Exfoliate—
On the Inside…

Starting with a clean slate is essential—you have to clear out the toxins to make room for the wholesome, rejuvenating nourishment.

Think about it like this: What if you didn’t wash your face every day? Imagine the grime and makeup clogging and stretching your pores. The freshest layer of makeup would be uneven, cracked, and dry. And your poor skin underneath it all—gasping for fresh air and moisture. Dried out, wrinkled, flaky, grey, and splotchy. Not to mention how rough and stiff your skin would feel.

Wipe the slate clean!

Now apply this to your whole body—inside and out. Instead of dirt and makeup, it’s toxin after toxin—layer upon layer of junk. And we’re bombarded with it every day, from every direction. Pollutants in the air and pesticides in our foods. Even worse? Toxins lurk in our makeup, hair dyes, and even nail polish! We’re breathing them, eating them, and wearing them (which means they seep into our skin)! And it shows—dull skin, dull eyes, and sluggishness.

Look and feel deeply cleansed
and fresh every day…

Like a good professional facial cleanses all those toxins from your skin, it’s your liver’s job to get rid of the toxins in your body. And it does a great job, but it goes through an enormous amount of wear and tear over time.

How detoxification works…

Here’s what you need to know: First, there are two phases of detoxification; and second, an essential antioxidant called glutathione plays a key role in both phases. The Everyday Detox Complex should have three components that takes care of all of this with the “cleaning crew” trio of milk thistle extract, n-acetyl cysteine, and calcium d-glucarate:

Clinical
Corner

Milk thistle is hands down the most well-researched herb for your liver. With over 450 published studies, it’s the clear-cut choice when it comes to boosting the detoxification power of your liver.

1. Milk Thistle Extract (standardized to the research level of silymarin) works in both phases of detoxification. In Phase I, it binds to the toxins, helping to prepare them for Phase II; and in Phase II, it increases glutathione levels to help move the toxins easily from your body. Daily Answer gives you milk thistle standardized to the full research dose of 420 mg of silymarin, the active ingredient in milk thistle.
2. N-Acetyl Cysteine is a potent antioxidant that helps increase glutathione levels and neutralize toxins.
3. Calcium D-Glucarate provides glucaric acid, essential to Phase II detoxification.

Together, this threesome gives you a clean slate every single day and keeps things spic and span. This gives your next step, the Beautiful Woman Complex, a fresh canvas on which to create strong, gorgeous skin, hair, and nails.