Tuesday, April 12, 2016

Living Well With What You Have / Money Wisers Group - Frugal Living 101 - Frugal Lifestyle



Frugal Living 101 - Frugal Living Essentials.
Jumping into the frugal life means learning how to budget, cut costs, reduce debts and get organized
The Frugal Life - Living Well With What You Have
Welcome to The Frugal Life Community!
Now that you’re visiting our community, relax and spend some time enjoying the website. Get ideas for more creativity in your finances and meet a community of making more - saving more - spending less. MONEY WISERS GROUP...
Financial Literacy        
Visionone Capital Management - FACEBOOK.COM/VISIONONECAPITAL        
To be financially literate is to know how to manage your money.
Take the initiative to self-educate and grow your financial knowledge, by beginning with the basics of money management and maturing
into a smart spender.
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Financial wellness is very necessary for excellent productivity and happier lifestyle.
Finances are the number one source of daily stress for U.S. adults, and more than half of American households do not have a long-term
financial plan1. Financial stress distracts employees and can hurt the bottom line. Distraction, driven by financial distress, lowers
productivity - FEMKONSA CAPITAL INVESTMENT - FACEBOOK.COM/FEMKONSA  /--/ FEMKONSA.BLOGSPOT.COM
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Financial Wellness : Motivate people to take action With financial wellness you can empower yourself, your family to become more financially secure -
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Financial Literacy? VISIONONEHOLDING.BLOGSPOT.COM
Find out how the typical American handles money: Nearly 3 out of every five U.S. workers live paycheck to paycheck.
Over a quarter never save any money from month to month.  FACEBOOK.COM/VISIONONEHOLDING        
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    Almost 75% are in some form of debt, and most assume they always will be
If you’ve spent any time reading up on education or financial news lately, you’ve probably come across the term financial literacy. 
The goal behind teaching financial literacy is to help people develop a stronger understanding of basic financial concepts.
VISIONAIRE BUSINESS CENTER - FACEBOOK.COM/VISIONAIREBIZ  /--/ VISIONAIREBIZ.BLOGSPOT.COM
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Managing your own money requires a fundamental understanding of personal credit and a willingness to embrace personal
responsibility. -VISIONONE HOLDING COMPANY - FACEBOOK.COM/VISIONONEHOLDING -

You budget. You save. You protect your savings. When you spend, you spend wisely. When you make big purchases, you do so for things that are
worthwhile. FACEBOOK.COM/ZONEBUSINESS

You understand the difference between good debt and bad debt. Understand also the difference between ASSETS AND LIABILITIES And you constantly pay attention to your overall portfolio — earnings, savings.
and investments. - BUYHEREMARKET ENTERPRISE - BUYHEREMARKET.BLOGSPOT.COM  / -- /  FACEBOOK.COM/BUYHEREMARKET
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'HERE ARE SOME OF THE DOCUMENTS NEEDED WHEN
APPLYING FOR MORTGAG HOME LOAN...
''A pre-approval Mortgage - is a commitment in writing
from a lender that a borrower would qualify for a particular loan
amount based on income and credit information
What Documents Do I Need?
What documents are needed for mortgage pre-approval? This is
another common question among first-time home buyers.

The list of documents will vary, depending on which lender you
use. But most of them will ask for some or all of the following items:
use. But most of them will ask for some or all of the following items: mortgage docs..
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FEMKONSA CAPITAL INVESTMENT - WWW.FACEBOOK.COM/FEMKONSA
== WWW.FEMKONSA.BLOGSPOT.COM

Index mutual funds track various indexes. The Standard & Poor’s 500 index is one of the
best-known indexes''''   

Index funds benefits and advantages ...

1. Owning a very large share of the market  instead of owning one company

2. Cheaper than actively managed mutual funds, less cost.

3. They can produce passive income via dividend payments

4. Diversification instead of one company you own many companies

5. Compound interest by reinvesting the dividend, money making money.

6. Less work, less time consuming in looking for looking for individual stocks.  
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Index Funds: How to Invest and Best Funds to Choose Index funds are a low-fee, no-fuss way to invest. It might be
the smartest and easiest investment you ever make.
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Index Funds:
They’re an easy, hands-off, diversified, low-cost way to invest in the stock market.
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When investors buy an index fund, they get a well-rounded selection of many stocks in one package without having to
purchase each individually.
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Trading costs. If the commission or transaction fee isn’t waived, consider how much a broker or fund company
charges to buy or sell the index fund.
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The financial industry is really complicated. There are investors, brokers, traders, lenders, borrowers, advisors,
companies, banks, stocks, shares, funds, prices…the list goes on and on and on. It can really make your head spin!
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Understanding Credit
Credit gives you the ability to purchase large items when you don't have the
money available. It involves borrowing money with the understanding that
you will pay back at a later time. Credit also helps build reputation as a
borrower.

The more disciplined you are at repaying those loans, the better credit
history you will build. Good examples of credit are Student and car loans,
as well as credit cards..
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Different Types of Credit

It's important to be aware of the different types of credit so that you can be
sure that you match the right type of credit to your needs. There are three
main types of credit:

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Open-end Revolving credit (Secured and Unsecured)                          

■ Open-end 30-day credit

■ Closed-end credit

Open-end, Revolving Credit

The first type of credit is open-end revolving credit. This kind of credit
comes in two types: secured and unsecured.
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Open-end, Unsecured, Revolving Credit
This type of credit requires that you have a fixed credit limit and pay at least
the minimum due on your outstanding account balance each month. The
minimum payment will be a percentage of your card's total balance.

The interest rates associated with open-end credit can be quite high,
especially if you have a poor credit history or you don't shop around for the
best deal. Examples of this type of credit include bankcards like MasterCard
and Visa and many retail store charge cards.

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Open-end, Secured, Revolving Credit

This type of open-end credit requires you to secure your credit card
purchases by keeping a certain amount of money in a saving account or by
buying a certificate of deposit for a certain amount.

Then, if you do not pay your account on time or if you go over your credit
limit, the credit card company can tap those funds. Often, people with poor
credit histories or no credit history at all must use a secured MasterCard or
Visa card until they can qualify for one that is unsecured.

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Open-end, 30 Day Credit

The second main type of credit is Open-end 30-day credit. This type of
credit usually comes with a high credit limit, but you must pay your
outstanding account balance in full each month.

The American Express card is the most common example of open-end, 30-
day credit.

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Closed-end Credit
Lastly, the third type of credit is closed-end credit. When you are approved
for a mortgage, finance the purchase of a car, obtain a student loan, or
some similar purchase, you are using closed-end credit.
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Building Your Credit

The Four Steps of building credit

There are four basic steps to building your credit:
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■ Develop a savings habit. Saving as much as you can is important, but
saving regularly is even more important. Get in the habit of regular
contributions to a savings account or money market fund --whichever
offers the best interest rate.
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Take advantage of any direct deposit programs your employer may offer.
It's easier to get into the savings habit when the money is never in your
checking account, and goes directly into your savings account or
money market fund.
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■ Review your Equifax, Experian and TransUnion credit histories and
get problems corrected. You do not want problems to get in the way of
building your credit. To get sample letters to dispute mistakes with the
Credit Bureaus, please click here.
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Who We Are
Do you wish you had more time and money? Many of us do! That's what MONEY WISERS GROUP  is all about. We've spent years digging out all the ways that you can "live better...for less".
What Can We Do For You?
On our website you'll find full articles, slideshows and videos on hundreds of ways to stretch your day and your dollar. There are over MANY articles in our library. And we're adding more every day
Each weekly issue of MONEY WISERS GROUP  includes links to a variety of articles and tips to help you live better for less

Talk to us. Almost every article invites you to send feedback to the editor. Do so. If you have a question ask for help
Tell your friends about us. We all know someone who is struggling with their finances. You'll be doing them a favor if you tell them about our site. They have nothing to lose and what they learn at MONEY WISERS GROUP //

Frugal Living Ideas You'd Never Think Of...
There are plenty of reasons to live a more frugal lifestyle. You might be saving up for a big vacation or new car. Maybe you want to reject consumerism and trim unnecessary expenses from your life. It could be that times are tough and everyone has to make sacrifices somewhere. Or maybe there are simply other things you'd rather be spending your money on. Whatever the reason, you've decided to make personal budget cuts and keep more money in your own pocket.
The problem is, once you've cut back on restaurant visits, transferred your debt to a lower-interest credit card and gotten that latte habit under control, where else can you cut? At some point you get the absolute necessities, and you can't cut those. Can you?

What are the best ways to save money? And what are the most efficient methods to accomplish this level of extreme budget cutting?

Frugal Living Ideas You'd Never Think Of
Use the Library for Books, Movies and Internet
Today's libraries are much more than places to check out books. A huge portion of your local library's budget goes to maintaining information databases and purchasing computers to provide patrons with Internet access. Libraries also maintain extensive DVD selections for patrons.
It may seem obvious, but if you total up your book purchases and DVD rentals over the course of a year, they can really add up. As long as you make sure to return the materials on time and avoid late fees, you can keep reading at the library without the expense.
The biggest savings a library can offer is free Internet service. Broadband internet costs about $50 per month. Computers at the library are free.
Living without Internet access may seem inconceivable, but getting rid of a dedicated Internet connection is an opportunity to save money by combining expenses. Imagine that you cancel your telephone landline and get a smartphone. You have to pay the monthly fee for data on your smartphone, but if you can accomplish basic functions like e-mail and Facebook updates with your phone, you can save $100 to $150 or more per month.
If you have to write a lengthy e-mail or spend some time searching the internet and don't relish the thought of using a public computer, you could take your laptop to a location with free WiFi. You might have to buy a cup of coffee every now and then, but if you don't rely on this option daily, you'll still save money.
Get a Roommate
The other methods we've mentioned could save you hundreds of dollars a year. This method literally slashes most of your expenses in half. Imagine if your rent, electric bill, gas bill and cable bill were all suddenly cut by 50 percent -- and you had an extra set of hands to help out in the garden.
Of course, getting a roommate can be a major sacrifice if you've been living on your own. Having the privacy and freedom of your own place is one of the things we all strive for, and giving that up is a big step for some people. But if you're serious about saving money, there are few better methods.

If you want to make this situation work, you need enough space in your place for someone else. You'll also need to work out all those little details like who does the dishes and so on. A thorough background check and security deposit is in order if you'll be acting as the landlord.

If you already live in an apartment, taking on a roommate should be relatively simple. You'll probably have to ask the landlord, but they'll typically deal with the lease, adding the new tenant and other details. If you're going to rent out space in your own home, there will be more complications. You'll have to learn the legal aspects of the landlord/tenant relationship, and your city or town may require special permits or inspections for properties that will be rented out.
Living a Frugal Lifestyle
Living frugal isn't a choice for us, it's a necessity. Here at MONEY WISERS GROUP  I will always share with you my best frugal living tips and tricks! If you ever have any frugal living tips of your own that you'd love to share with US

Living a Frugal Lifestyle
Try these easy frugal living tips to help you save money and get out of debt! Trim unnecessary spending and you'll be surprised how far your money

Ways To Save Money – Frugal Living Tips
Frugal living is all about making the most with what you already have. Here are 11 frugal living tips from Penny Pinching Mama to help you get started:
1.      Barter for services when possible. For example, we exchanged lawn mower repair from our neighbor for a table (garage sale find) that he was looking for.
   
3.      Learn to fix things for yourself. These days, with the Internet making information so easily available, you can fix most things yourself. We do 95% of the repairs around our house and we aren’t that handy. We just keep looking for the information about how to do it and keep working until we get it fixed!
4.       
5.      Stopeating out. This is one of the all time best frugal living tips. I know you hear it all the time but STOP!!! The “average” family spends $300-$500 a month just eating out! Eating out truly is one of the biggest causes of debt! I am always amazed how someone can be “totally broke” and can’t pay their bills but are still able to go to the drive-thru of their favorite restaurant.

Study nutrition information and find out what you need to eat to have ahealthy and balanced diet. Then stop eating the junk and eat healthy inexpensive meals at home. We have a lot of menu ideas here at
Just say no…to your kids. Let kids buy their own toys and extras! Our kids pay for all their own soda, candy, treats like nail polish, their own computers and extras. You are not the Bank of Mom so just say no!
Find a cheaper way to do things. Go to a beauty school to get your hair colored (or don’t have your hair colored at all it isn’t something you need to survive).

 Go to a mechanic school to get your car fixed. Hire a kid instead of a lawn service to mow your yard (only if you can’t do it yourself for medical reasons. Paint your own house instead of hiring someone, cut the cable and the cell phone (gasp!), and have birthday parties at your house. There is almost always a cheaper way to do things so try to find the cheapest way and save some money
  
Frugal living is not about living cheaply. It is about choosing what is really important to you and saving your money for that!
Get as much as you can for free and you can save thousands of dollars!
 Money wisers goals are


To educate investors on  how to use financial building blocks other than stocks and bonds could provide the potential for more consistent return and cash-flow for a great retirement
Investing in oil and gas, and petroleum products and companies,
Investing in telecommunication companies
Investing in energy companies
Investing in utility companies
Investing in retail companies

Investing in real estate investing trust companies
Investing in home building materials stores
Investing home building companies
Investing in residential real estate
Investing in tax lien certificates and tax deeds
Investing in commercial real estate
Investing in real estate ETF’s  = Exchange Traded Funds

There are many financial ideas very common to the wealthy and super wealthy but generally not accessible to regular investors. Money Wisers Group will teach you all, everything.
The main objective of Money Wisers Group is to further explain  and expand the ideas, applying lessons learn previously and more importantly to give people a new perspective and more control over their finances.
https://www.knowledgefinancialgroup.com/adultmoviefilmandvideo

Perhaps you entrusted your financial security to the so called experts, they are getting paid  whether you lose or gain.
It’s not good at all to let yourself get suckered again and again, it may be now the time to take control of your finances, take  control of your retirement affaire. Money Wiser Group is there to help everyone who has the desire to become financially independent and obtaining economic freedom.

Money Wisers are just a guide designed to empower others, a guide to help others become rich, staying rich in a good time and in bad time with the guidance of few financial planners, financial advisors, financial analyst, and investment strategists. Those people are  saying that it’s time for wiser people to take charge of their own financial future.
Money Wisers social media network is a comprehensive, easy to understand and use to maximize your portfolio and focusing on improving cash-flow while reducing taxes and maximizing assets, minimizing liabilities.
Money Wisers Explain Tangible income- tangible investment; for most people their wealth comes from tangible investments include real estate holdings, businesses build from the ground up, a product they created and sold, oil and gas royalties, and so on. In reality their wealth is not really comes from the stock market which is a gambling environment.
MONEY WISERS GROUP wants you to freeing your estate from  conventional thinking. An example, if you purchase a home with leverage money and have a mortgage for 30 years fix interest rate
And you just send an extra payment of even about 100 dollar regularly on the principal; Money Wisers Group guarantees you that you will finish to pay your property earlier, and save thousands and thousands  of dollars on interest you suppose to pay.
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What Medical Treatments Are Available for Painful Intercourse (Sex)?
Treatment of pain during intercourse depends on the cause. Introital pain may be treated when the cause is identified.
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Atrophy (thinning of the vaginal walls) due to menopause: Entrance (introital) pain caused by vaginal atrophy is common among postmenopausal women who do not take estrogen replacement medication. Blood flow and lubricating capacity respond directly to estrogen replacement. http://millionairelovefinder.blogspot.com

The most rapid reversal of vaginal atrophy occurs when topical estrogen vaginal cream is applied directly to the vagina and its opening. This cream is available by prescription only. Newer non-estrogen products are also now available.
Urethritis and urethral syndrome: Irritation of the urethra and lower bladder can be caused by a lack of estrogen.

This may result in urinary burning, frequency, and hesitancy. In such cases there may be no evidence of bacterial infection on microscopic examination of the urine. In the absence of any chronic inflammation of the urethra, these symptoms may be caused by these symptoms may be caused by muscle spasms, anxiety, low estrogen levels, or a combination of these factors.
The doctor may dilate the urethra or may prescribe low-dose antibiotics. At times, antidepressants and antispasmodic medications to reduce muscle contractions in the bladder may also be prescribed. http://millionairelover.blogspot.com
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Inadequate lubrication: Treatment of inadequate lubrication depends on its specific etiology. One option of treatment includes water-soluble lubricants (for use with condoms, as other types of lubricants may damage wall of the prophylactic). If adequate arousal does not take place, more extensive foreplay might be helpful in increasing vaginal moisture.
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Vaginismus: Painful spasms of muscles at the opening of the vagina may be an involuntary but appropriate response to painful stimuli. These spasms may be due to several factors, including painful intromission, previous painful sexual experiences, prior sexual abuse, or an unresolved conflict regarding sexuality. For a woman with vaginismus, her doctor may recommend behavior therapy, including vaginal relaxation exercises.
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Vaginal strictures (abnormal narrowing): Doctors commonly see vaginal strictures following pelvic surgery, pelvic irradiation, or menopause.
Passive dilation and estrogen are used to treat these strictures. Occasionally, vaginal reconstructive surgery is necessary.

Interstitial cystitis: This condition refers to chronic inflammation of the bladder with no known cause. However, painful intercourse is a common symptom. A physician may perform a cystoscopy (a procedure to look inside the bladder) and distend (stretch) the bladder wall in order to attempt treatment of the condition. Other treatments include bladder washings with dimethyl sulfoxide (DMSO), as well as oral medications, e.g. imipramine (Tofranil) or pentosan (Elmiron).
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Endometriosis: Endometriosis occurs when the lining of the uterus is found in ectopic locations outside the interior of the uterus. Pain during intercourse caused by endometriosis is seen frequently. Relief of this pain often indicates success in treating endometriosis.
Vulvovaginitis (inflammation of the vulva and vagina): Whether recurrent or chronic, this problem is common despite the rise in the number of over-the-counter treatments.
If not responsive to self-treatment with lubricating gels or initial treatment by a physician, a woman may need a more thorough evaluation to identify the cause.
A physician may ask a woman if she is using an antibiotic or antifungal medication or if she douches. If so, these practices should be stopped to help determine whether a specific disease-causing organism is present. Instruction in proper vaginal hygiene may be helpful.
Treatment is based on the presence of bacteria or other organisms. Often, no single organism is identified. The doctor may talk to the woman about proper hygiene.
If recurring symptoms are shared with a sexual partner, both individuals should be tested for sexually transmitted diseases (STDs).
A physician should consider the possibility of intermittent urethral infection with chlamydia, (an STD), as well as the more common urinary tract infection. If either is discovered, they should be treated with the appropriate antibiotics.
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Pelvic adhesions (tissue that has become stuck together, sometimes developing after surgery): Pain with intercourse caused by pelvic adhesions can be relieved by removing or cutting free the adhesions.

Uterine retroversion: In addition to the causes previously discussed, the patient may also have what is called uterine retroversion as a cause of their pain. This term refers to a uterus which is tilted backward in the pelvis, as opposed to the normally forward tilted orientation.
This can be congenital or due to childbirth injury to the ligaments supporting the uterus. It may also be due to pelvic adhesions which pull the uterus backward into an abnormal location. This condition frequently requires gynecologic surgery for correction.
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Which Specialties of Doctors Treat Painful Intercourse (Sex)?
A woman may need to see the following specialists:

Gynecologist: Thorough pelvic examination or testing
Urologist: Evaluation of the bladder and urethra
Behavioral health specialist: Evaluation of possible social or psychological contributors to the problem
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Dyspareunia - Painful Intercourse ( Painful Sex)?
What Is Painful Intercourse (Sex)?
dyspareunia is pain or discomfort in a woman's labial, vaginal, or pelvic areas during or immediately following sexual intercourse
Painful intercourse or painful sex can be experienced as pelvic pain, vaginal pain, or pain in the labial or vulvar areas during sex. Pain may be experienced as deep pain, sharp pain, or a burning sensation. https://www.knowledgefinancialgroup.com/lovefinder
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What Causes Painful Intercourse (Sex)?
Pain during intercourse is one of the most common causes of problems of sexual dysfunction.
The prevalence of such pain seems to be increasing over time. Possible reasons for this apparent increased prevalence include the following: https://www.knowledgefinancialgroup.com/sextherapy
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Changes in sexual behavior
An increase in the frequency of sexually transmitted diseases
Increased willingness to discuss sexual behavior and dysfunction
Due to thinning and dryness of the vaginal walls after menopause, some women report that sex is more painful than prior to menopause. https://www.knowledgefinancialgroup.com/aboutsex
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Vulvodynia is a condition that causes chronic pain in the vulvar area that is not related to a known cause. Women with vulvodynia may experience pain with sexual intercourse.
Other conditions that can cause painful intercourse include
injuries or irritation of the vagina due to any cause,
infections, vaginismus (muscle spasms of the vaginal wall muscles),
urinary tract infection, and skin conditions that affect the genital areas.
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What Are the Symptoms of Painful Intercourse (Sex)?
Symptoms of pain related to sexual intercourse can occur when entry is attempted or during and/or immediately following sexual intercourse.
The most common symptom is pain on entry (intromission). The pain may be described as sharp or burning.
The second most common symptom is deep pain.
Other symptoms include feelings of muscle spasms, pelvic cramping, or muscle tightness.
Pain during intercourse may be described as primary or secondary; as complete or situational; and as superficial-entrance or deep thrust types.
Primary pain with intercourse is pain that has existed for the woman's entire sexual lifetime.
Secondary pain develops after a symptom-free period of time.
Complete pain means the woman experiences pain in all times during intercourse.
Situational pain occurs with a particular partner or a certain type of stimulation.

Superficial-entrance pain is noticeable at penetration.
Deep thrust pain is located at the cervix or in the lower abdominal area and is noticeable during or after penetration.
A woman may perceive pain during intercourse even without any physical cause. Sexual pain without an apparent physical cause may have a psychological origin.
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How Do Health Care Professionsals Diagnose the Cause of Painful Intercourse (Sex)?
A health care professional should ask about a woman's history of pain during intercourse. A thorough history and an extensive physical examination often reveal the most probable cause of this pain.
A medical history identifying pain at the vaginal opening may suggest one of the following:
Inadequate lubrication during the arousal phase (may be associated with hormonal changes or medications)
Inflammation at the opening into the vagina
Painful spasms of the vagina that prevent intercourse
Pain located in the entire vaginal area may indicate conditions such as vulvar muscle degeneration, chronic vulvar pain, or a vaginal infection (fungal, parasitic, or bacterial).
At times, a specific area of discomfort may be identified that might suggest another cause for the pain, such as inflammation of the urethra (the tube through which urine exits the body).
Deep thrust dyspareunia refers to pain which occurs with deep repetitive vaginal penetration by her partner.

A common complaint is that it feels as though her partner is "bumping" into something which causes pain with pelvic thrusting. This type of pain may suggest abnormalities of the pelvic organs, such as endometriosis, adhesions, or uterine prolapse.
Pain in the middle of the pelvis may suggest a uterine origin. Pain on one or both sides of the pelvis is more suggestive of pathology involving the fallopian tubes, ovaries, and ligaments.
A health care professional may perform an extensive physical examination of the woman's pelvis, abdomen, and lower back to better understand both her anatomy and the location of her pain.
The exam may also allow the woman to better guide the doctor to the location of the discomfort. Part of this exam should include a rectal exam or rectovaginal exam.
The exam may include a Pap smear, the collection of vaginal or cervical fluids for culture, an analysis of the urine (urinalysis), and other laboratory tests.

A health care professional may recommend special radiological tests, such as a pelvic ultrasound or a CT scan or an MRI of the pelvis.
The doctor may perform a urethrogram (an X-ray procedure to provide an image of the urinary tract), a cystogram (an x-ray exam that images the urinary bladder), or both, or the woman may be referred to a specialist (urologist) for these procedures.
Another diagnostic procedure that may be used to look for urinary abnormalities is a cystoscopy, in which the doctor uses a thin, lighted probe to see the interior lining of the bladder and urethra. Frequently, referral to a urologist may be necessary to accomplish these procedures.
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