10 Ways to Trick Yourself Into Saving

Hey fellas! Guess what, I find this write up interesting...and take note it would be helpful especially for those whom have difficulties in saving money...so enjoy & hope some (not all, of course) of these tips will help to trick yourself into saving and be financially fit...

Follow These Tips to Spend Less and Pocket the Money You Save

If cheap is chic, then saving is suddenly sexy. America Saves Week (February 21-28) takes on new meaning when the U.S. savings rate, which had dipped into negative territory, headed up to 4.6% last year. The savings rate could climb as high as 6.5%, according to Allianz Group Economic Research.

You know you're on to something when investing icons such as Burton Malkiel and Charles Ellis jump on the bandwagon. Malkiel and Ellis are authors of a nifty little book called The Elements of Investing. The book is just 154 pages long, including glossary, and its investing advice can be summed up in four words: "Keep it simple, sweetheart," a strategy I wholeheartedly endorse.

But, say Malkiel and Ellis, "it all starts with saving." Who would have imagined that this legendary Wall Street duo would be advising readers to buy next year's Christmas cards on December 26 or rent a movie instead of going out? People at all income levels tell me that they have trouble putting money aside because they're living paycheck to paycheck. But I'm convinced that saving is a classic case of mind over money. Here are ten surefire ways to trick yourself into spending less and saving more:

1. Know your plastic personality. Disciplined credit-card holders can earn rewards points by using their cards for all their purchases and paying the bills in full each month. Consumers with less self-control may want to use debit cards to make sure that they don't spend more than they have. In either case, your monthly statement provides a handy record of areas where you're leaking cash.

2. Don't trust yourself to pay yourself first. Instead, have someone else do it for you. Sign up for your employer's retirement plan. Set up an automatic deposit with your bank to seed your emergency fund. Even Uncle Sam will jump-start your retirement savings by automatically depositing your tax refund in an IRA. And you'll never miss money you don't see.

3. Do what my son Peter does: Deposit your paycheck and other money to your savings account instead of checking. You're much less likely to spend the money if you have to transfer it from savings. "That really hurts," says Peter.

4. Instead of hitting the cash-back button for $35 every time you go to the drugstore or supermarket, limit yourself to one ATM withdrawal per week and make your money last.

5. When you make a credit-card purchase, record it immediately in your checking-account register. You won't be surprised when the credit-card bill arrives, and you will have enough money to pay it in full.

6. When you subtract a check from your account, round up the amount to the next dollar. That way, you'll always have a slush fund. Your bank may even do this for you. Sounds like small potatoes, but even if it's only $100 every couple of months, that's still money in the bank.

7. Toss your spare change into a fun savings bank or glass jar -- anything that will catch your eye and your quarters. I know one person who accumulates $900 to $1,000 a year this way and uses the money to buy holiday gifts.

8. Bag the savings from brown-bag lunches. Each time you bring your lunch to work or pass up the temptation to buy a latte, take the money you would have spent and put it in your cash jar. It's an immediate reward for your self-discipline.

9. Pay yourself after you've paid off a debt. Once you finish paying off a loan or credit-card balance, keep writing the check but send it directly to a savings or investment account.

10. Can't decide between two items in a store? Give yourself a cooling-off period. Chances are you won't go back.

Remember, if money is power, then saving money is empowering. It gives you financial security and the freedom to make choices. Every once in a while I tap my own slush fund to send my three grown children checks to treat themselves to dinner. They appreciate the gesture and I have fun making it.



http://customsites.yahoo.com/financiallyfit/finance/article-108899-4254-1-10-ways-to-trick-yourself-into-saving?ywaad=ad0035

Superfoods for Incredible Hair

I’m convinced that if I could bottle the feeling of a good-hair day, its success would rival that of the iPhone. Call me superficial, but when my hair is smooth, shiny and full, I tend to feel a wee bit better about, well, everything. Unfortunately, I’m all thumbs with the blow-dryer, and my rush to walk the dog, work out and get to the office leaves me little time to play around with the latest styling products. So I was thrilled to learn that I can make my hair look better on a daily basis simply by eating certain foods. Feast for better hair? Even I, styling challenged though I am, can handle that! For more bounce, strength and shine, I’ve been mindful to have my fill of the key nutrients below. Put them on your plate, too, for heavenly hair, and a healthy body, too!

Iron
Iron helps bolster hair growth. Find it in meat, shellfish, fortified grains and leafy greens.

Protein
Protein is the building block of every strand, but it can be high in fat. To keep your saturated fat intake low, opt for lean cuts of meat, mix light meat with dark, or choose seafood.

Biotin, B6 and B12
Biotin, B6 and B12 promote new growth within the follicles. Good sources include whole-grain breads, oatmeal, skim milk, lowfat cheese, eggs, salmon, nuts and nut butters.

Zinc
Zinc strengthens natural oils that coat the hair shaft, creating shine. Feast on meat, nuts, chickpeas, pumpkin seeds and yogurt.

Vitamin C
Vitamin C helps promote cell renewal in the scalp. Get your fill in the form of brightly colored fruits and veggies. Strawberries and kiwis are surprising super sources, as are raspberries, mangoes, oranges and red bell peppers.

Vitamin A
Vitamin A is also a hair helper; look for it in apples, apricots and sweet potatoes.

Antioxidants
Antioxidants found in herbs, dark chocolate and fresh berries promote a healthy scalp by sparking cell turnover.

Want easy ways to weave these superfoods into your diet? Follow this sample menu by Lona Sandon, R.D., a spokeswoman in Dallas for the American Dietetic Association.

Breakfast:
Make your first meal rich in biotin and protein, hair’s primary components.
• Option 1: Whole-grain tortilla [BIOTIN] with 1 slice lowfat cheese [BIOTIN]; 2 scrambled eggs [BIOTIN]; 3 slices mango
• Option 2: 1 cup oatmeal [BIOTIN] with skim milk [BIOTIN] and a small handful of walnuts [BIOTIN] and dried apricots; 1/2 grapefruit

Lunch:
Munch on foods containing growth-promoting iron midday.
• Option 1: 3 oz roast beef [IRON] or turkey [IRON] on whole-wheat toast [IRON] with 1 slice lowfat cheese and 1/2 avocado (instead of mayo)
• Option 2: 3 oz grilled chicken breast; small baked sweet potato; salad of 4 cups romaine [IRON], 1/2 cup each red bell pepper and chickpeas; 1 tbsp olive oil and lemon juice to taste

Snack:
Antioxidant-rich bites between meals make for a healthy scalp.
• Option 1: 1/2 cup unsalted edamame [ANTIOXIDANTS] sprinkled with chili powder
• Option 2: 1 oz dark chocolate [ANTIOXIDANTS]; 1/2 cup raspberries [ANTIOXIDANTS AND BIOTIN]

Dinner:
Protein for your final meal boosts hair and your energy levels.
• Option 1: 2 1/2 cups veggie chili consisting of 1/2 cup each red kidney beans [PROTEIN], carrots, potato, peas [PROTEIN] and tomatoes
• Option 2: 6 oz grilled wild salmon [PROTEIN AND BIOTIN] or steak [PROTEIN]; a salad of 4 cups spinach, 1/2 cup orange slices, 1 oz goat cheese, a handful each of pumpkin seeds and raisins; 1 tbsp olive oil and lemon juice to taste


http://health.yahoo.com/experts/healthieryou/15872/superfoods-for-incredible-hair/