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Health and WellbeingPersonal Finance Short Course- Introduction to Healthy Personal Finance

To some, the idea of having healthy personal finances seems impossible, or at least highly improbable. But the truth is, there is no reason why you cannot keep your personal financial issues in check to start putting money away each month. By applying the personal finance advice below, you truly can take control of your personal finances.

1. Do not spend without knowing your limits! -- If you spend with no regard to your income, you will not last long at all. It is imperative that you are always aware of your spending limits. Ask yourself the following questions:

* How much is my take home pay, per pay period?

* How much money do I need to spend in order to survive?

* How much is left, after I pay for the things I need?

* Do I have enough to save after I pay for my necessary expenses?

There are many tools on the internet which allow you to keep track of your savings targets, and analyzes your ability to meet those targets while keeping track of your progress.

2. Do not spend without savings targets! -- Spending only to the limits of your income as described above is okay, but it will not actually allow you to put much money away in case of a financial emergency. If an appliance breaks, a pipe bursts or the car decides not to start, you may end up with a financial emergency that you simply are not equipped to handle. If one of these situations occurs, how will you possible survive? Luckily, saving is fairly easy and it is something that you can begin today!

Here are some personal finance tips:

* If you bring lunch to work instead of buying it, for instance, you can save up to $1000 every year.

* If you drink two less Starbucks lattes per week, you will save $520 per year at $10 per week.

* You should set a target of around 10-percent of your take home pay for every pay period as a good start. All it takes is a little bit of creativity to find ways of achieving this.

3. Do not spend without first knowing how to save! -- There are many ways for you to learn how to save money, while still allowing you enough freedom o spend money when you find something that you want.

Here are some suggestions worth considering:

* Never make an impulse purchase. Do you really need to buy it? Ask yourself a couple of times. If you cannot answer with a resounding "Yes I do!", then no, you really don't.

* Never purchase something simply because it is on sale. You should only make purchases that you absolutely need. Sale items will always go on sale again later, perhaps when you do need them.

* Do not buy into the latest trends at the very height at the season. Instead, wait a small while until the price has been reduced.

* Set a savings target for yourself, and put this money away before you spend any money out of your pay check.

Learn how to save your money with better management of your finance. Joseph Then is offering FREE information for you. Visit his website now to learn more on Financial Planning Explained

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There is a very important connection between how we nurture our bodies and how we heal, recuperate from injury and even what diseases we contract over our lifetime. There are certain foods that can prevent disease, and there are other foods that can support and strengthen our body systems as well as bolstering up our immune system against disease and infection. You have to think of food as not only fuel for our brain and muscles, but also the fuel that recharges or kick starts our immune system and heart. The food that we eat contains the nutrients that are necessary for the cells of our bodies so that they can perform tasks assigned to them by the unique design of our body.
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