Tag Archives: Advice

Five Steps to Losing Weight and Debt in the New Year.

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MMI offers practical advice for losing weight and debt in the New Year.

Every New Year, shedding weight and debt is at the top of the list for millions of people resolving to change for the better. According to a recent Times Report, these two are also among the most often broken resolutions.

While experts have offered numerous techniques and strategies for losing weight and paying down debt, the fundamental lifestyle change remains consistent for both – consume less.  Financial stability begins with spending less than you make, followed by paying more on what you owe.  Losing weight begins with consuming fewer calories, and becoming more active.

If you are among the millions vowing to finally achieve a healthy waistline and a healthy bottom-line, consider the following five steps:

  1. Make the commitment.  When considering any lifestyle adjustment, the first step is to decide – are you ready to make the commitment to do what it takes to improve your health and financial wellbeing?  Are you ready to accept responsibility for changing your situation?  Do you believe that you can and will change the way you make decisions about food and money? It isn’t until you can truthfully answer yes to these questions that you will be ready to face the challenges of creating a healthier physical and fiscal life.
  2. Create a plan.  Creating a budget and a meal plan starts with tracking – tracking expenses and tracking calories.  Consider carrying a pocket notebook for noting every penny spent and calorie consumed.  Review your results and look for areas where you should and can make cut backs.
  3. Develop SMART goals .  One of the most important pieces to being successful in these areas is to set clear goals that are specific, measurable, achievable, rewarding and trackable.  Remember to create short-term, or milestone, goals as well as a target accomplishment.  If your ultimate goal is to become debt free, celebrate when you pay off 25 percent.  The same goes with weight lost. If you aspire to lose 50lbs., acknowledge every 5 to 10lbs. as an accomplishment.
  4. Eliminate temptations.  Once you have a clear calorie and spending budget outlined, remove any obstacles that may hinder your success.  Don’t carry your credit cards in your wallet and don’t keep high calorie sweets in the house.  Leave your cards at home in a safe place and only take them out when you have a planned purchase and payoff strategy.  The same applied with food temptations.  If you know you’re going to be in an environment where you’ll be tempted to indulge, eat a light snack before you leave the house.
  5. Stay flexible. Don’t get discouraged if you don’t see the pounds or debt melting away as quickly as you had hoped.  Change doesn’t happen overnight, and there are no quick fixes. The important thing is to remain flexible and committed. If you aren’t meeting your goals, revisit and adjust your plans as often as necessary.

Remember, you are human and set-backs are inevitable.  However, if you are truly committed to doing what it takes to meet your goals, you can accomplish anything.  To learn more about staying committed to your New Year’s resolutions, visit MoneyManagement.org and down New Beginnings , one of MMI’s free eBooks.

THE ERA OF iPARENTING

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New mums turn to the internet for parenting advice

 

New mums are more likely to log on than go to their own mums for parenting advice, according to a new report released today.

 

A resounding eight in 10 mums (80%) turn to Google, parenting forums or Facebook before asking their own mums for advice (44%), according to the research commissioned by Growingupmilkinfo.com, a new website for parents providing information about toddler growth and development.

 

Psychologist Doctor Richard Woolfson comments: “The internet continues to be a growing influence with popular forums likes Mumsnet and Netmums being a key advice resource for new mums, whilst a third of mums (33%) head to Google for parenting advice. This is good because it means parents have immediate access to valuable advice, exactly when they need it.

 

“Unfortunately, that also means the traditional source of parenting support – from grandma and grandpa – is less popular. This is partly due to the younger generations moving further away from where they grew up so parents and grandparents are less likely to live around the corner than they used to.”

 

The Online Generation

Mothers over the age of 35 were most likely (71%) to rely on the internet for support and advice. However, the social network savvy under 25s were the biggest Facebook users for parenting queries (15% versus 9% national average).

 

Dr Woolfson continues: “Thirty years ago your family probably would have lived in the next street but now they might live on the other side of the country or even the other side of the world. Yet I still tell new parents to ask granny and grandpa for their advice. You don’t have to take it but there’s no harm in listening.”

 

Our Regional Differences

  • Southampton mums are the most reliant on friends and family for advice with three in four (75%) relying on their expertise, compared to less than half in Newcastle (44%)
  • Welsh mums are the least dependent on forums, with less than a third (29% versus 38% national average) relying on this source, compared to almost half (47%) the mums in Plymouth
  • Mums in the capital are twice as likely to tap video sharing site YouTube for tips and advice (10% versus 5% national average) while the opposite could be said of mums in the Scottish capital with one in five Edinburgh mums going it alone, asking advice from no one
  • Facebook is heavily used by mums in Brighton with more than a fifth (21%) seeking advice from Facebook friends, higher than any other city in the UK

 

Nutritionist Amanda Ursell comments: “With nearly eight out of 10 parents unaware that toddlers have different nutritional needs to adults, it is clear more needs to be done to help parents understand what nutrition they need to fuel their toddlers’ amazing growth and development. The toddler years are often overlooked but, thanks to the internet, a greater level of information is more widely available from a variety of sources including other mums, a wider network of friends, experts, brands, Governments and researchers.”

 

‘New’ Wives Tales

But new mums shouldn’t be too hasty to dismiss the wise adages of past generations, as experts confirm some of the ‘old wives’ tales’ are grounded in real facts. Nutritionist Amanda Ursell explains the truth behind some popular old sayings:

 

  • An apple a day keeps the doctor away. According to Amanda Ursell, “apples are great because they give us both soluble and insoluble fibre, as well as some vitamin C and a host of super nutrients. Obviously though, toddlers need to get a balanced diet that combines all major food groups. Between the ages of one to three, toddlers undergo an extraordinary period of growth and development and their nutrition needs are at least double an adult’s, relative to their size.”

 

  • Grow big and strong, like Popeye, by eating your spinach. “Spinach is a rich source of iron but it also includes a substance which makes it hard for the body to absorb this essential nutrient. Toddlers need a lot of iron – four times the amount of an adult for their size – but this can be from a range of sources. Good sources of iron include red meat, dark green leafy vegetables, eggs and hummus. One easy way to give toddlers some of the key nutrients they need is to use fortified foods and drinks, such as Growing Up Milk.”

 

  • Carrots help you see in the dark. “This was really a piece of World War II propaganda and it isn’t actually true but it’s certainly true that carrots can be part of a healthy balanced diet. They provide one of your 5-a-day and are a good source of beta-carotene, which is converted in your body to vitamin A – an essential vitamin.”

 

  • Take cod liver oil for your joints. “Cod liver oil is rich in vitamin D, which is needed for the growth and development of bones. However, it isn’t recommended for children these days. Other sources of vitamin D that children can eat include fortified foods like breakfast cereals or Growing Up Milk, as well as foods like egg yolks or oily fish.”

 

Growing Up Milk is made from cows’ milk enriched with key nutrients that toddlers need like vitamins A, C and D, iron and calcium. Giving your Little One-der two 150ml beakers of Growing Up Milk each day is an easy way to help provide them with the extra nutrients they need, as part of a healthy balanced diet.

Frost's Guide to Twitter

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In the past few years twitter has entrenched itself into our everyday lives. It is how I found out Kate Middleton was to marry Prince William, and that Christopher Hitchens had died. Twitter is now how most people get their news. It is also a brilliant marketing tool. No matter what you do with your life, you can improve your career and be in contact with people from all around the world. So here is a guide to getting and keeping followers, with a few facts thrown in.

Go for quality, not quantity.

Some people may have thousands of followers, but they may be spammers or may have paid for them. (Buying followers is against twitters terms and conditions.)

Try to not get upset when people unfollow you

It is usually not personal. Maybe you retweet too much, maybe they are just following too many people. It has nothing to do with you as a person. Just unfollow them back, unless they are incredibly interesting.

Add your photo and professional details to twitter. People are more likely to follow you if they know a bit about you.Brevity is the soul of wit and even more important on Twitter. You only have 140 characters to get your point across. It is a good skill to have.

Twitter has more than 100 million global active users according to Twitter CEO Dick Costolo

Think of all of those people you can be connected too! The internet has made the world more democratic, and twitter has played it’s part in that.

Hash tags

Which is this: # (to get a hash tag on a Mac Alt + 3 = #) This creates, in twitters words, a ‘global conversation’ that everyone can follow.

Put a follow button on your blog or website

Remember, you can only direct message people who follow you, and they can only do the same if you are following them.

    • Interact with people.
    • Follow people. They might follow you back. You can follow 2,000 people initially, more if you have over 2000 followers.
    • Be worth following.
    • Have a good avatar. A picture of yourself is good.
    • Have a good bio. Keep it short and interesting.
    • Post interesting stories. Add links to articles you enjoyed reading.
    • Add yourself to directories like Wefollow.com
    • Get your friends to follow you.
    • Add your twitter to the signature in your email.
    • Don’t worry if it seems to be taking a while. You’re twitter will grow.
    • Be interesting- That is the most important thing. If you are interesting people will follow you.
    • Have a niche; tweet about a specific thing. You can grow your business and become an expert in your field.
    • Join Klout.
    • Don’t buy twitter followers. This might look good but what you want is engaged followers.
    • Don’t constantly retweet.
    • Don’t tweet all the time. If you clog up someone else’s feed then they will probably unfollow you.
    • Don’t be offensive. Have your opinion but respect other peoples.
    • Respond to people.
    • Follow other people in your field.
    • Tweet regularly. Three times a day is fine.
    • Remember that things came across differently in print. Sarcasm and humour can be taken seriously.
    • Watch out for spam. Change your password and don’t click on links from people you don’t know.
    • Be relevant.
    • Don’t try to please everyone. You have to have an opinion or you will not be interesting.

Of the 100 million global active users, half of them log in daily. “We had 30% of our monthly active users login in every day at the beginning of the year. Now it’s over 50%,” Costolo revealed.
200 million tweets a day in June 2011.
There are one million registered twitter apps. 750,000 developers
People who joined Twitter in 2011 include Nelson Mandela, Joe Biden, Zac Goldsmith, Salman Rushdie, Rupert Murdoch and the Pope.

  • Thirty-five global heads of state use Twitter
  • In 2011 Twitter had 65 million Tweets a day. They have over 200 million Tweets per day.
  • Twitter accounts are rarely hacked but Twitter advises the following for security of your account;
  • Use a strong password with at least 10 characters and a combination of letters, numbers and other characters for your Twitter account. And use a unique password for each website you use (email, banking, etc.); that way, if one account gets compromised, the rest are safe. A personal email account that’s compromised is the second most likely way an intruder gains access to Twitter accounts.
  • Use HTTPS for improved security on Twitter.
  • We recommend linking your phone to your Twitter account. Doing this could save your account if you lose control of your personal email and/or password. Here’s how to do it.
  • If you think your account has been compromised, visit our help page for compromised accounts to find out how to fix it quickly.
  • Twitter post regularly about safety and security at @safety.
  • Twitter CEO Dick Costolo said Twitter has 100 million global active users, of those 100 million global active users, half of them log in daily. “We had 30% of our monthly active users login in every day at the beginning of the year. Now it’s over 50%,” Costolo revealed.
  • Twitter had 200 million tweets a day in June 2011.
  • Do not unfollow people right after you follow them. Wait five days or Twitter might think you are a spammer.
  • Half of Twitter users log in every day.
  • 55% of Twitter users are mobile users.

Forty percent of Twitter users do not Tweet, or haven’t Tweeted in the past 30 days.

Frost’s Top People to Follow

Salman Rushdie

Jack of Kent

Zac Goldsmith

Mark Hillary

Alain De Botton

Frost Magazine, Obviously.

Me!

Movie Scope

Hillsborough Documentary Maker

Nancy Bishop

Rupert Murdoch

 

Staying Motivated When Dieting

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STAYING MOTIVATED

By Alison Clark, independent nutritionist and spokesperson for Europe’s no 1 healthy eating plan, Eurodiet.co.uk

The New Year is a great time to set positive goals and make resolutions, and many of us use this time as an opportunity to try and embrace a healthier lifestyle. Making these plans is the easy part but sticking to them can be more difficult! Follow these tips to stay motivated and make 2012 the year that you achieve your health goals.

1. Team up

Changing old habits that may have been ingrained for ten or twenty years can be hard and having the support of friends and colleagues will help you to stay focused.

* Share tips and test new recipes with friends, family and colleagues. Online communities can be hugely helpful here, Eurodiet has a Facebook community.

2. Get organised

Try to plan ahead, jot down which ingredients and products you need. This will make it easier for you to stick to your eating plan and less likely to pick up unhealthy options when you are on the go.

* Try cooking larger amounts and freezing portions for the days when you don’t have enough time to cook.

3. Clean out your cupboards

Having tempting foods in the house or in your desk will make it much more difficult for you to resist eating them.

* Give away any post-celebration goodies which are still lurking around the house – if they are not there you won’t be able to eat them!

4.Don’t be defeated on ‘Difficult days’

It is normal to have days where you find it more difficult to stick to your resolutions. The important thing is not to let these days get you down and stop you from continuing with your good work – draw a line and stay positive. It’s what you do most of the time that counts!

* If you have a sweet craving try one of the low calorie sweet options available on the Eurodiet.co.uk eating plan – like gooey vanilla caramel chocolate bars or apple crumble.

5.Identify your triggers

Next time you have a hard time resisting a second helping or you skip an exercise class, think about why it happened. Try to identify the feelings that triggered your behaviour, for example hunger, fatigue or stress. How could you change the outcome next time?

* Control your hunger by eating regular meals and ensure you have enough protein in your diet. Protein is essential for sending signals to the brain to say, “Thank you, I’m full”. Introduce healthy snacks if needed like cereal bars or fruit.

6.Make it fun!

Write a list of milestones you expect to pass on your journey towards your final goal and find ways to reward yourself as you reach each one. This will encourage you to stay on track and make the challenge more enjoyable too!

* Treat yourself to a massage, enjoy a spa day, take a new class, buy a new dress, try a new sport.

* Stay positive!

Dating Detox For 2012.

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As we bid hello to 2012, we look forward with a sense of optimism and hope,. January is the month of choice to cleanse ourselves of any harmful toxins we carried over from the previous year. As we carefully select which diets and detox to choose, eHarmony.co.uk offer a revolutionary detox plan for 2012. Welcome the ‘dating detox’, a fool proof, four step detox plan for even the biggest skeptics to get you right back on track in your dating life.

Cleanse your outlook and get a fresh start for 2012 with four tips from Dr Gian Gonzaga, relationship expert for online match-maker eHarmony.co.uk,

Dr Gonzaga begins with a question: ‘If you were to conduct a self-diagnostic checkup on the condition of your dating life, which of the following would apply?’

a. Strong and robust, with optimal functioning.

b. Generally healthy, though periodically sluggish and listless.

c. Anaemic and frail.

d. Comatose.

“If you answered “C” or “D,” chances are you’ve been single for awhile now and you’re suffering from overexposure to potent dating toxins. There are remedies you can use for yourself when you feel depleted and discouraged in your search for lasting love.”

Here is a four-step therapy from eHarmony.co.uk, that guarantees to flush the dating fatigue from your system and put you back on track:

1. Purge.

Unsuccessful dating attempts often leave behind a debris field of unfulfilled desires, unresolved grievances, and unyielding regrets. These are toxic to your emotional wellbeing, not to mention your chances for future success in matters of the heart. A critical step in the process of dating detox is learning to let go! Forget the past, and choose to move on.

2. Consume carefully.

A regimen of dating detox must include monitoring your intake of words, thoughts, advice, and images related to romance. Stay away from “downer” friends who whine about how hard it is to find a decent man/woman. Tune out family members who complain about their lousy relationships. When you feel your mood beginning to sink toward self-pity, do something about it. Even small shifts in your “diet” can lead to dramatic positive changes.

3. Rebuild.

Detox is not just about getting rid of unhealthy habits and emotions—but replacing them with ones more likely to get what you want. In this phase, begin by identifying the kind of partner you aspire to be. Are there qualities on the list you don’t yet possess? Make a plan to get there. Next, describe the person you are looking for in detail. This will help you recognise those people who don’t quite measure up—and save you another round of detox down the road.

4. De-stress.

Relationship experts point out the negative impact of placing too much stress on the dating process. Lots of people put tremendous pressure on themselves and their dates, continually analyzing what was said or not said, what they did or did not do. Having a relaxed, low-pressure approach to life and love makes for happy individuals—and happy individuals make happy, healthy romantic couples.

Everyone needs a round of dating detox now and then and what better time than the breaking of a new year.

 

DIVAS IN DEMAND~ Female artists most popular live acts of 2011.

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DIVAS IN DEMAND

~ Female artists most popular live acts of 2011~

Whilst the nation is up in arms over no women being including in the BBC Sports Personality of the Year, girls were certainly top of the pops. Viagogo, Europe’s largest secondary ticket marketplace, has revealed its most in demand tickets of 2011 with Rihanna, Katy Perry, Adele and Jessie J storming to the top of the chart.

Adding yet another string to her incredibly successful bow, Adele was the British female artist fans most wanted to see, despite the majority of her tour being cancelled due to illness.

Also flying the flag for Brit girls was Jessie J, who features in the top 20 most wanted tickets of the year alongside powerhouses Rihanna and Katy Perry.

Dolly Parton proved she’s still got it this year as she made it into the top 20 with huge demand to see her ‘Better Day’ tour, proving more popular than JLS and the Arctic Monkeys.

With female acts leading the voting every week in the X Factor and the first ever girl band, Little Mix, winning this year’s show plus Emile Sande winning the Brits Critics Choice Award, 2012 is set to be the year of the girls as well. Women are even spending more money than men when it comes to tickets to live shows according to recent research by NME. (1)

Ed Parkinson, director of viagogo UK said: “Our data reinforces that the live music scene was dominated by outstanding female acts this year. With Little Mix triumphing in the X Factor, Emile Sande winning the Brits Critics Choice Award, 2012 and Adele hopefully (or looking to be )on the mend, 2012 really could be the year of Girl Power.”

Cheap and Easy Ways To Be Greener

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Doing your bit for the environment needn’t be boring and expensive. Here are Frost’s top tips.

1) Always turn lights off when you leave the room.
2) Don’t leave appliances on standby and don’t leave things plugged in when not in use. A TV on standby uses 40% of the energy it does when it’s switched on.
3) Only boil as much water as you need.
4) Have a bag for life. Always refuse plastic bags when shopping. They are not just bad for the environment, they also kill animals and wreck ocean life.
5) Turn the thermostat down. You can cut your heating bills by up to 10% by turning the thermostat down by 1C.
6) Fix leaking taps and don’t leave the water running when brushing your teeth.
7) Replace old light bulbs with new, energy-efficient ones. This will save you around £37 a year on your bill. The old ones are being phased out anyway.
8) Buy less stuff. Really, consuming less is the best thing you can do for the environment. I always get depressed when I walk past somewhere like Primark and see all their cheap clothes that will last for a few months and then go to a landfill site. Make a stand.
9) Invest in draught excluders, get your heating checked by a professional and fit a central heating thermostat so you can only heat rooms that you are in. Any expense will quickly be recouped.
10) Use eco-friendly paints when decorating. There is a range of natural paint free from volatile organic compounds (VOCs) which are known to cause allergies. They are non-toxic, made from renewable sources and avoid issues with damp.
11) Subscribe to The Ecologist. It’s cheap, you get a free gift and it will have lots of articles and advice on how to live a green life.

Do you have any tips on being greener? Add them below.

Who To Notify When You Move House

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Moving house is stressful at the best of times, so here is Frost’s guide to who to notify when you move.

Friends and Family.

TV Licence.
Your TV licence only covers you at your current address and won’t move with you automatically. Update it at tvlicensing.co.uk or by post.

Driving Licence.
Update it online at direct.gov.uk. Your Vehicle Registration documents will have to be returned to the DVLA. They will then send you a new one with your updated details.

Council Tax.
Tell your local council when you move out, and when you move into your new home. That way you will be billed correctly.

Mail.
You can get your mail redirected online at royalmail.com or by going to your local post office. It takes five working days so give the appropriate notice.

Doctor and Dentist
Search for practices near you new home by going to NHS.uk and entering your post code. You will have to register with the new practice

Financial Service Provider.
Banks.
Building societies.
Store Card companies.
Insurance companies.
Savings and investments.
Pension company.
Credit card company.
Do this as soon as possible. You don’t want your financial details going to strangers.

Magazine and other subscriptions.
Let them know as soon as possible. They usually need a month’s notice.

Utility Provider
Water
Gas
Electricity
Phone (and mobile phone)
Request a final bill before you move and tell them the date. Take a reading from your old home before you leave and at your new one when you move in. Just in case.

Cable/Internet providers.
If you are sticking with your provider let them know your new address straight away to minimise disruptions to your service.

Electoral register
You will need to register to vote in your new area. Go to aboutmyvote.co.uk and print off a form. Fill it in and send it to your local electoral registration office.

Finally, make sure you have signed the contract for your new home before changing things. Just in case things go wrong.