SAVING 35% — CUTTING DEBT 35% — EARNING 35%

SAVING 35% — CUTTING DEBT 35% — EARNING 35%

BEFORE THE PANDEMIC CORONAVIRUS COVID – 19 CRISIS THE SAVING RATE WAS LESS
THAN 10% FOR THE AVERAGE AMERICIAN.  SOME ARE SAVING MORE AND SOME LESS.

AS FOR DEBT, THE FEDERAL RESERVE, THE FEDERAL GOVERNMENT AND CORPORATE AMERICA
IS OUT OF CONTROL. DEBT DEBT AND MORE DEBT.

STARTING A HOMEBASED BUSINESS IS THE SOLUTION TO EARNING AN ADDITIONAL 35%.
TO AVOID THE HIGH INFLATION CUTTING SPENDING IS A SOLUTION ALSO.

THE MORE ANYONE HAVE THE BETTER OFF EVERYONE IS. IT IS ALL POSSIBLE FOR
ANYONE. LOT’S OF BOOKS GIVE ANYONE WHO CAN READ, OR EVEN LISTEN TO AUDIO
BOOKS CAN ACHEIVE WEALTH

IT IS NOT DIFFICULT. IT IS JUST TRYING TO ACHEIVE THIS AND MAKE SMALL STEPS.
BUILD OVER TIME ON YOUR SMALL ACHEIVEMENTS, IT HAS WORKED FOR MILLIONS
AND CAN WORK FOR YOU.

VALUE OF CUTTING SPENDING DISPOSAL INCOME

Your disposable income is necessary if you want to decrease payments to your creditors when you can no longer afford the common contractual payments.

Debt management companies use your disposable to work out what you can sincerely afford to repay your creditor commitments.

Below we have explained how to work out your disposable income for yourself should you need to reduce your debts without contacting a debt management company – that being said we would imagine a debt management company would get a better response from your creditors as they are under no obligation to accept any new payment arrangements and putting this to them through a debt management company will normally yield better results.

Work out your income.

You will need to work out your income on a monthly basis as most creditors will prefer to have regular monthly payments.

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The basic to working out your income is not to take the lowest or highest amounts you might get each month but relatively an average of what your normal takes home pay would be.

This can be easily done by adding up your last 6 or 12 wage slips and diving the total by the number of wage slips you added together. For example, if you added together your take-home pay for the last six months you would divide the total amount by 6 to give a normal monthly average of your take-home.
Work out your committed outgoings

Your committed outgoings are what you need to pay each month. With things like your phone bill or water bill which you may be paying quarterly simply divide your normal quarterly bill by 4 to get a monthly allowance.

After you have added all these together, which will ensure you, have made allowances for the essential living costs we can deduct this from your monthly take-home pay. What’s left is your disposable income and is what you can genuinely afford to pay your creditors. MAKE MONEY NOW

What amount of my disposable income should my creditors get?

Your disposable income should be spread around your creditors on the basis that whoever you owe the most to get paid the most. This is normally referred to as payment pro-rata, which can be worked.

Owing to a total of 10,000 to 3 creditors with a disposable income of 200 Creditor A 5,000 Creditor B 3,000 Creditor C 2,000a Total owed 10,000

First, we need to work out what percentage of the total debts you owe to each creditor. To do this you would simply take the amount owed to the creditor, divide by the total owed nd multiply by 100.

Creditor A= 5,000 ÷ 10,000 (total owed) * 100 = 50% Creditor B= 3,000 ÷ 10,000 (total owed) * 100 = 30% Creditor C= 2,000 ÷ 10,000 (total owed) * 100 = 20% We then apply these percentages to your disposable income as follows.

Disposable income is 200

• Creditor A 200 ÷ 100 * 50 = £100
• Creditor B 200 ÷ 100 * 30 = £60

Doing things this way means each creditor would receive a payment based on the percentage of how much you owe them and how much you can afford to pay which is the fairest way of spreading your disposable income around your creditors.

HEALTH IS WEALTH — BEING PHYSICALLY FIT

VALUE OF BEING PHYSICALLY FIT

Health is wealth! We all have heard of this term in this journey of life. We

understand its meaning, but its relevance and deepness is realized only when you

are down! Being physically fit is the best reward that one could ever have.

There is no gift which is more valuable than the gift of health. Health industry is

booming and there is a reason behind that.MUSCLE MASS SELF ESTEEM YOUR DIET MATTER YOUR HEALTH

People are becoming extra cautious of their health especially due to awareness and

the tedious routines which is increasing tendency of diseases in young people too!

Here is how you can step on the pathway of being physically fit!

Exercise: You should incorporate exercise in your routine to stay fit and active.

exercise reduces the stiffness in your body and improves the blood flow which keeps you

active throughout the day.

You can do swimming, cycling, yoga, running or jogging. It is very easy to include 3
these in your routine if you spare some time.

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I will not only maintain the weight of your body but would also improve the

metabolism and immunity. Both if these are important ingredients in the recipe

of health!

You can join group classes or nearby gym to attain the continuity. If you are

part of group of people who are fitness

conscious then it will help you in attaining the routine quickly.

Yoga is combination of cardio and strength. It helps you in learning how can you

balance, meditate and focus on things.

There are variety of exercises available and it is always a good practice to include

some strength training sessions. You need to gain muscle as you start to age as

they drain out of strength.10 SUPERFOODS TO ADD TO YOUR DIET NOW

So lifting some weights, dumbbells under supervision will prove to be a good idea!

Healthy food and beverages: It is important to include the foods which are rich

in Iron, Vitamin D, C & B in your diet for a healthy body.

If you are a non-vegetarian, you might already be getting enough of these but if

you are a vegetarian, you need to be extra cautious of your diet! Go for regular

health check-ups to address any deficiencies that you may have!

Smoking and alcohol and rather make a habit to drink coconut water, coriander

seeds water and juices daily.

Value of being physically fitDIABETES HIGH CHOLESTROL LOW IRON OVERWEIGHT

It is important to create a culture of wellness to yield sustainable results of

health in long run. Being healthy and physically fit has a direct correlation

to happiness and success.

A healthy mind rests in healthy body! Staying physically fit not only impacts

your personal and lifestyle but also improves your performance at work.

In order to drive the business forward and inspire your team, a good leader should

maintain mental and physical wellness.FREE INFORMATION

At every stage of life, you are constantly pushed beyond your threshold/ comfort

zone. A healthy body has stamina and mental ability to endure the challenges

at every stage of life.

This helps you in maintaining your cool and also reduces symptoms associated with

anxiety and Great Health.

What is the most important part of physical fitness is?

What are the five categories of physical fitness?

What are some examples of physical fitness?

What are the five factors of physical fitness?

Physical FitnessDIETING — WHAT IS IN WHAT I EAT HELPFUL OR HARMFUL

Physical fitness is a state of health and well-being and, more specifically, the

ability to perform aspects of sports, occupations and daily activities.

Physical fitness is generally achieved through proper nutrition, moderate-vigorous

physical exercise, and sufficient rest.