Business Line of Credit: How it Works

Business Line of Credit: How it Works

A business line of credit is a facility where you can borrow money up to a certain limit from a financial institution. You then pay interest only on the amount actually borrowed. You can then draw and spend money as you wish as long as you don’t go over the credit limit. It works in a similar way to a credit card. It allows you to draw against a predetermined credit limit that can be used as you need it, as opposed to receiving a full-term loan at one time.

How It Works

Since it is a revolving line, you can draw against as necessary. It is mostly used for short-term capital for funding unexpected expenses or improving cash flow. A business line of credit also helps you borrow money again after repaying a draw, thus allowing you to fund your cash flow needs. It is a great way to access cash that you can put into your business at a moment’s notice. When you pay down your business line of credit, you increase the amount available to you in the future unlike a working term capital loan. Drawing funds from an already established credit line is usually the fastest way for your business to access capital funds for quick payments or unexpected events.

Purpose

Unlike term loans which are used for a specific purpose and are lump sums of money on which you pay interest until the entire amount is settled, credit lines allow you access the funds as many times as you need. They are preferable for short-term funding needs. A business line of credit gives you more flexibility and could save you money if you have a constant financing need. Besides, an open line of credit account is a great way to build your business creditworthiness and the products are essentially the best solutions for short-term needs.

Sources and Funding

A business line of credit can be obtained from conventional lenders such as banks, credit unions or online lenders. It is important to understand your goals for the line of credit you go for. When determining what type of line of credit is best for you, consider the following: the amount you require, how soon you need the funds, if you’ve met the minimum qualifications required and if the costs will fit your budget. Normally banks will have higher qualifications requirements and some form of collateral will be needed, as opposed to online lenders who are more flexible and will approve companies once they have been in business for more than a year. Once you’ve established these, find out what to use the business line of credit for as illustrated wholesale trade lines.

Use

A business lines of credit is not intended for big capital purchases but rather for short-term working capital, unexpected costs, unique purchasing opportunities or offering credit to your customers. If not for these uses, then you will be costing your business a lot of unnecessary money.

Conclusion

A business line of credit can be an affordable solution for emergency funding or short-term working capital. To get the best rates and terms, plan your application well, provided you are using national banks or online lenders.

Your Body Language Can Make or Break Your Presentation

Your Body Language Can Make or Break Your Presentation

Source: Unsplash | Teemu Paananen

Actions can speak louder than words, which is why your body language is just as important as your speech and slides when you are delivering a presentation.

Stage presence is about confidence and commanding attention – and body language is essential to this. If you are interested in taking the steps to learn how to create stage presence, the first thing you are going to want to consider is your body language.

The first step is to take some pressure off. Have a presentation design company create your slide deck so that you can focus on your speech delivery and forming better body language habits.

Here are some body language tips to consider when presenting to ensure you are clear and exuding confidence:

Face Your Audience (Not Your Presentation)

If you’re talking to your audience, why are you facing your slides? To be honest, you shouldn’t be reading off of them anyway.

If your back is to your audience, it is harder for them to hear you and it gives the illusion of you blocking them out. Face your audience and speak directly in their direction so that they can hear you speak and see gesticulate.

Use Your Hands (Don’t Cross Your Arms)

Not moving your hands or crossing your arms can make it seem that you are unenthusiastic, uninterested or nervous.

Lifehack explains that crossing your arms is a “defensive posture” that can distance you from the audience you want to connect with. Keep your arms open so that you can use your hands while you speak. That said, when you use your hands, use smaller gestures that aren’t distracting.

Stand Up Straight (Don’t Slouch)

Standing up straight is a sign of strength, confidence and professionalism. Slouching, on the other hand, can make you appear uninterested, nervous, not confident and unprofessional.

According to HubSpot, when you stand up straight and open your arms and chest, it makes it easier to breathe. This will help you to both relax and speak clearly.

Use the Space (Don’t Confine Yourself)

The best part of going to a concert is seeing your favourite musician engage with the crowd by going to different ends of their stage. The same thing rings true when you’re delivering a presentation.

That said, moving around and pacing can be distracting – so when you move, move with purpose. Move closer to the audience to create a sense of intimacy. To avoid walking aimlessly, consider your stage space before your speech. Map out parts of the stage you want to hit at specific points in your presentation.

Make Eye Contact (With Everyone)

Failing to make eye contact with your audience by staring at the back of the room is another action that can make you seem distanced. When you give a presentation, you want every person in the room to feel connected to you and willing to listen to what you are saying. To do this, you need to form a connection. The best way to do this is to make eye contact for brief moments with different people in the audience.

Be Expressive (But Use Positive Facial Expressions)

Being expressive throughout your presentation is important, but refrain from using negative expressions like grimacing, crinkling your nose or furrowing your forehead. This can make you look stressed or upset. Instead, smile subtly, raise your eyebrows and nod for effect.

According to Entrepreneur, tilting your head to the side is a subtle movement that actually conveys that you are interested and inquisitive. This is subtle enough to incite engagement but not be distracting – and that’s the exact effect you want your body language to have when presenting.

How to Live in Luxury… Even on a Budget

How to Live in Luxury… Even on a Budget

Maybe you’ve been in this situation before: you feel like you deserve a lifestyle upgrade, either because you are overworked or you just need some luxury in your life, but the only issue is your income isn’t aligned with those aspirations. Conventional wisdom would say that you need to save up – demarcate certain luxury goals, like a vacation, new vehicle or fancy dinners, and start putting money toward them.

The only problem there is that you want to live in luxury now, not later when you have the money. Thankfully, there are a few easy ways to add a little luxury in your life without emptying your wallet. Consider these your hacks for living like a rich person while you earn a normal wage.

Lease Your Luxury Car

You may not be able to buy a Benz or a Bentley, but you may be able to lease one, especially if it’s used. Because leases only make you pay monthly for the cost of depreciation during the lease term, and because a car does a significant amount of its depreciating in the first couple years, you can find used luxury cars at industry-leading lease prices for low monthly payments.

Learn to Cook

When eating out at fancy restaurants, the vast majority of what you pay for is the service of the wait staff and the time and expertise of the chef. But if you learn to cook like a chef, you can eat restaurant-quality food, with fantastic ingredients, every night of the week. You’re probably saying, ‘that sounds too hard’, and no one can fault you for being sceptical, but there is a wealth of resources online – through YouTube tutorials, recipe and technique blogs and forums – that can help you fast track becoming a better cook.

Consider Product Testing

Get paid to get things. That sounds way too good to be true, but it is the exact job description of an at-home product tester. Through a product testing agency, you are given a number of different products to test that correspond to your demographic – could be electronics, could be games, could be beauty products. You use the products, review them, photograph them, and then (usually) you get to keep them. Plus, it pays a competitive rate and you can do it while you’re doing your other job. It really is a good hack for getting free stuff.

Join a Mistake Fare Finder

Need a vacation, but can’t justify spending an exorbitant amount on international flight? Luckily, every so often, airlines will post what is called a “mistake fare” – essentially, a fare they post in error that is far cheaper than the normal price. For instance, New York to Shanghai might be $1300 normally, but reduced to only $700. These fares are notoriously hard to find in the wild, but there are “mistake fare finders” that use computer programs to comb for low prices. You can sign up for mistake fare finders online, either through an email newsletter or by joining a Facebook group.

Who says you need to spend lavishly to live luxuriously? With a few clever hacks, you can live like a king on the pay of a pauper.

Have You Tried This Solution for Your Acne Scars?

Have You Tried This Solution for Your Acne Scars?

Having acne is bad enough. Dealing with permanent scars is an awful perk of the chronic skin problem.

You’ve tried to get rid of these scars, but nothing seems to work. You’ve tried retinol creams, vitamin C serums, scar sheets, daily peels and more, without much success. The evidence of your worst breakouts remains. The only practical solution that you can come up with is covering it with layers of clothing or makeup.

One solution you probably haven’t tried that can get rid of your acne scars is out there. You should go to a laser skin clinic.

Laser Treatment for Acne Scars

Reputable laser skin clinics offer several services for people that want to reduce the appearance of highly-visible conditions like hyperpigmentation and scarring. People tend to turn to this option as a hopeful solution after trying over-the-counter creams, prescription medications and home remedies.

If you’re considering laser skin treatment, you should ask the clinic what lasers they intend to use. Certain types are better suited for scar healing, redness reduction and overall skin clearing.

The Smooth Beam Laser

The Smooth Beam Laser is a dermatologist-recommend option for getting rid of specific types of acne scars like ice pick, rolling and boxcar scars. This laser increases collagen production, which forces the scar tissue to rise. It will eventually come up to the skin’s surface, looking smoother and healthier than before.

Type of Scar Definition
Ice Pick Deep, narrow, pitted scars.
Boxcar Wide, round, crater-like scars.
Rolling Uneven, shallow, wave-like scars.

The V-Beam Laser

Experts recommend the VBeam Laser for treating the embarrassing symptom of long-lasting redness that can follow after breakouts. The redness comes from inflamed and broken groups of blood vessels. The laser heats the vessels to encourage coagulation so that they close and shrink down until they’re absorbed. When these vessel groupings disappear, the redness dissipates and leaves a clearer skin tone in its wake.

Don’t Make More Scars

If you’re still dealing with acne breakouts, you need to be careful about making more scars. People often get acne scars after they squeeze or pick at their pimples — the physical intervention sends debris into the skin and disrupts the healing process. Think of it like the chickenpox. When you scratch the spots, you extend your suffering and raise your chances of life-long scars.

So, when you see an enormous pimple growing on your forehead, you need to fight the urge to poke at it. Leave it alone. If it bursts on its own, clean the area and apply a hydrocortisone cream onto it to reduce inflammation. Don’t peel off the scab forming over the top — this means that it’s healing.

Fighting Off Future Flare-Ups

Laser treatment can do more than heal your acne scars. The treatment can prevent flare-ups and scars in the future, too. The gentle light pulses reduce inflammation, encourage collagen production and discourage the overproduction of sebum. After years of using creams, scrubs and medications without much change, this could be the method that really tackles your acne.

Health Education Jobs- 3 Competitive Secret You Must Know

Health Education Jobs- 3 Competitive Secret You Must Know

We’ve all heard the saying “health is wealth”. But still, people don’t care about their well-being and their overall health and they continue with their unhealthy routines. This is the reason humans of the 21st century are now more susceptible to health issues. This also leads to the fact that the demand for healthcare workers is increasing at the moment.

If at the moment, you are thinking of making a career in the healthcare sector then know that yes, it’s a wise decision. If you search for a healthcare educator salary, you’ll see some really good figures because again, the demand out there is “huge”.

What Is A Healthcare Educator or Education Specialist?

A healthcare education specialist is an individual who works in the healthcare sector by contributing and participating in different private and public organizations. The sole motive of a healthcare educator’s job is to oversee, analyze, implement and test different strategies and programs that promote well-being and health.

3 Competitive Secrets You Must Know

If you are here right now, chances are that you are interested in becoming a healthcare educator which is undeniably a great option to opt for. All you need is the right healthcare education that you can get from platforms like Global Health Education. Other than this, to help you with this career option of yours, here we are with some competitive secrets that everyone must know;

1. The Type of Education Required

Healthcare education programs and careers are available in all sectors whether it’s public, private or school. If you have a degree in public health, you can easily get a job in any sector. For example, in schools, a health educator is required in the lab for different research projects, for treatments, and for prevention.

2. The Importance of An Health Educator

As said earlier, this is the 21st century that we are living in and humans are now more prone to diseases and health conditions. In this case, of course, the demand for health educators will and should increase. The focus of health education is general well-being, good health, prevention of diseases and treatment of diseases. Having a degree in this sector can do wonders to your career life. You’ll get a lot of options when it comes to becoming what you want to become a healthcare education specialist.

3. Becoming A Leader

There might be no such thing as a “leader” in this sector but yes, when it comes to personal achievement and gratification, you can have that as a healthcare specialist. Technically, you are helping people in creating a better and healthier world and that’s something no ordinary man can do. Being a specialist in this department is a big thing. If you’ve got a professional degree, consider yourself a leader already as you are making a change in the lives of millions of humans out there.

Final Words

These are the three things you should know about the health education jobs and this sector. Now, if you really are passionate about bringing a healthy change in the world then yes, you should opt for a career in this field.

How to Get Your Whole Family on Board with Tackling Debt

How to Get Your Whole Family on Board with Tackling Debt

Source: Unsplash | Sabine Peters

Debt is an issue that affects the lives of many people in the U.S. Sometimes, problems related to debt are made much worse because family members aren’t all in agreement on what to do about it. Here’s how to get your whole family on board with tackling debt.

Helping Your Children Understand Student Loans

Student loan debt is more prevalent now than it has ever been before. While there are plans being thrown around about it potentially being wiped clean by certain presidential candidates, it’s not a good idea to bet on that idea.

There’s now more student loan debt than credit card debt. And while student loans are often considered to be one of the better forms of debt, as education can boost your employability, the payoff doesn’t always make up for the massive cost.

It’s important for families to understand what it means to have student loans. A lot of young people go off to school without thinking too much about their loans. Times were different for their parents. Plus, if everyone else is doing it, there must be a reason, right?

Families should come together to do some math and get a clearer picture of what it’s going to take to pay off that debt after graduation. Doing this might play a role in determining where you ultimately decide to go to school, and when. You can also come up with a plan for how it makes most sense to tackle this debt if it ends up seeming like the right choice.

Making a Full-Family Budget

Budgeting shouldn’t just be the responsibility of one person in every household. After all, everyone spends money. Shouldn’t everyone play a role in determining how it gets spent?

This doesn’t have to entail the kids getting to determine the candy budget for the month. But there are a few benefits to having everyone come together to build the family budget.

First, this can be a learning opportunity—for everyone. The children will get to see how to make a budget and why it’s important. The parents will get to see what kinds of things everyone is spending money on. And everyone can come together to decide what areas it might make sense to cut back a little.

Getting Your Spouse on the Same Page

It’s always a tough situation when you’re having a hard time getting a spouse to see the importance of reducing your debt. This is something that can drive a major divide in your relationship if not addressed and resolved the right way. This is why it’s so important to come up with a plan, together.

Married couples struggling with thousands in debt can consider utilizing a debt relief program. Looking at Freedom Debt Relief reviews shows they’re a highly reliable resource for this. Many enrollees who leave reviews even mention they decided to try settlement for their family’s benefit following an event like a spouse losing a job or unforeseen medical bills.

It’s always tough when one partner has incurred a significantly higher amount of debt than the other. If you’re the one with more debt, it’s best to address the situation as soon as possible and be open to solutions. When your partner is the one with more debt, it can make things more complicated. You should try to avoid making it seem like you’re putting all the blame on them. Do this by mentioning some of the errors you’ve made when it’s come to debt, too.

Another kind of spouse-debt scenario is when one partner has been hiding debt from the other one. This can have huge financial and relationship ramifications if not addressed in a timely manner. When you’re the one with the hidden debt, get it out in the open as soon as possible. You might think that you’re going to pay it off without them knowing, but this is much harder said than done. You’re also not going to address the root causes of that debt if you continue keeping it under wraps.

Try to establish a team mentality so your family can tackle debt together.

You’re not going to get out of debt if your family isn’t on the same page about it. Sitting everyone down to address any issues will bring you closer together and solve problems.

Dr. Matt Hutton’s Guide to Varicose Veins

Dr. Matt Hutton’s Guide to Varicose Veins

You probably already recognize the enlarged veins which become twisted and show up on some people’s lower legs as varicose veins. You might have recognized that they are incredibly common. According to the Vascular Surgery Society, more than a third of Americans have them. However, they are more than just a cosmetic issue.

Varicose veins can become a serious health concern if you leave them untreated. Though there is no complete cure for the vein disease, there are a number of different treatments that can reduce their appearance and reduce the risk of complications.

Here’s the ultimate guide to varicose veins.

How Varicose Veins Develop

When the blood travels from the heart and lungs to different parts of the body, delivering oxygen and returning once more to get more oxygen. Arteries carry blood that is full of nutrients and oxygen from your heart to the other areas of the body. The veins then move the blood that has been filled with toxins and byproducts back to the lungs and heart to remove the toxins and get more oxygen.

The arteries have an easy job getting the blood down towards your feet because of gravity. The veins have no such helper. They have to work against gravity to force the blood back up towards your heart. Often, the valves in the veins will close after the blood has passed to prevent the blood from pooling or flowing backward. However, the valves can become weak over time as the walls of the veins become less elastic. This causes the blood to begin to pool in the veins of your lower legs.

The blood presses against the weakened walls of the veins, creating a bloated and twisted appearance. The varicose veins often develop deep within the body tissues. If it is left untreated, the toxins and other waste products remain too long in the tissues. It causes venous ulcers that are difficult to heal because they don’t get enough oxygen and nutrients.

It can also cause blood clots because the blood might stagnate in the veins. If the blood clots begin to move to your lungs, heart, or brain, you will need to be treated by a doctor immediately.

Risk Factors and Symptoms

If you notice you have twisted veins that are dark purple or bulging, you may have varicose veins. Many people also experience other symptoms like throbbing, swelling of the ankles and calves, pain, itching, and skin discoloration.

There are a number of risk factors, including age, family history, gender, obesity, pregnancy, and sitting or standing for long periods of time. Women have a higher risk of getting varicose veins because they experience changes in hormones throughout menstruation, menopause, and pregnancy. Pregnancy also causes an increase in blood volume, placing more pressure on the veins. If other members of your family have varicose veins, there is a high chance that you will also experience them too. If you stand or sit for a long time without moving, the blood is also more likely to accumulate in your legs and feet.

Vein Doc at Metro Vein Center

If you are experiencing symptoms of varicose veins, it is important to be treated by a vein doc or specialist like those at Metro Vein Centers. They have locations in Texas, New Jersey, New York, Michigan, an Pennsylvania. They created their first office in 2006 to help patients who suffer from venous diseases.

Dr. Matt Hutton is the Chief Medical Officer at the Michigan locations and he has more than 25 years of experience treating diseased veins. He was the Attending Vascular Surgeon at the University Hospitals of Cleveland.

With Glo, You Can Do Pilates Online Anytime In the Privacy and Comfort of Your Own Home

With Glo, You Can Do Pilates Online Anytime In the Privacy and Comfort of Your Own Home

You may have considered working out in the privacy and comfort of your own home, but after looking at all of the different programs and videos, you may not know where to begin or exactly what to take. There are aerobics classes galore, yoga classes out the wazoo, and spin classes aplenty. It can be overwhelming, which is why it may be more important to look at reputation rather than style.

Reputable Online Classes

There’s no doubt some online workout classes are better than others. Rather than look for a specific type of workout, find workout classes that are more individualized and tailored to your needs. This way, not only will you be sure to get a good workout, but you’ll have personal training that can help you reach your short-term objectives and long-term goals. Meeting these milestones can mean the difference between staying out of shape and getting motivated to get in shape.

One of the Best Online Classes

Glo is an online platform that offers meditation, yoga, and Pilates online. What sets Glo apart from other online classes is what I was mentioning above: They offer personal training that can help you from beginner to advanced, pushing you to reach your milestones and get the best workouts for your particular situation. What’s best about Glo is that it is online and you can do it practically anywhere and with anyone. Invite over your friends and have a Glo party. It gets you moving without having to tread weather and traffic while trying to get to the gym.

Yoga, Meditation, and Pilates

Another great thing about Glo is that it offers a great internal curriculum that not only works your body but also your mind. Glo is about the whole self. Meditation is great for reducing stress, connecting the mind to body, and healing the self from within. Yoga is wonderful for internal and external balance, stretching and strengthening ligaments, muscles, and tendons, and Pilates is awesome for developing a strong core and building vitality and stamina. Together, all of these workouts can lead to a more well-rounded, more balanced you.

More About Pilates

Most people know about yoga and meditation, as these exercises have been gaining a lot of positive press lately. But Pilates is still new to a lot of people, so I wanted to take a moment to explain exactly what it is and why it is beneficial.

Pilates was started by Joseph Pilates in the early 20th century. His father was a gymnast and his mother was a naturopath, so he grew up learning a lot about the body and how to heal injuries. Pilates used a lot of exercise machines to assist people with working their bodies in various fashions, many of the machines focusing on building core strength as a remedy to pain. This is similar to the way physical therapists currently approach treating pain, as oftentimes it is weak muscles that do not provide substantial core support that lead to injuries. In a way, Pilates exercises can be thought of as personal physical therapy. Eventually, Pilates exercises evolved to be performed without the machines, even though various machines still exist.

Glo offers Pilates online that will help you build your core, strengthen your stomach and back muscles, and achieve some of the same mind-body connection that is found in yoga. What is unique about Glo is that it offers Pilates online along with yoga and meditation for a more well-rounded workout if you choose to participate in more than one type of exercise. Again, you can tailor your workout so that you can get exactly what you need for your lifestyle.

Whether you decide to take yoga, meditation, or Pilates online, Glo offers curricula that can be beneficial, healthy, and fun for the whole family. With Glo, it is more than just a workout. It’s a journey within that can lead to an awakening of self.

Online MBA Programs for Working People

Online MBA Programs for Working People

Online MBA programs are adaptable projects that enable working grown-ups to finish a business organization degree from home while likewise working during the week. They are frequently accessible totally by means of the Internet, however half and half choices are accessible.

Working grown-ups can try out online MBA programs that enable them to propel their instruction while proceeding with their professions. We’ll investigate how these alumni projects are organized and what understudies can hope to ponder.

About Online MBA Programs

Separation learning MBA programs last roughly two years and are generally accessible through school and college business colleges. Essentials regularly include holding a four-year college education and having as long as five years’ work involvement. Some online projects have understudies work in accomplices, continuing through their exercises as a unit and finishing ventures cooperatively. Interest may require at least one in-person visits to the school grounds, either for direction or to finish a residency.

Planning and Pacing

Online MBA programs are explicitly intended to enable working grown-ups to finish the classes in their extra time. In this way, while they regularly have a set end date by which all assignments must be finished, they once in a while have task fulfillment dates. This enables understudies to turn in their work at whatever occasions are generally helpful.

Most MBA projects give a proposed calendar to center, specialization and elective classes. Normally courses are scattered, enabling working grown-ups to take a couple of classes one after another. Classes pursue a semester group that keeps running around 3 two months one after another; understudies might probably pick between customary or quickened terms inside a similar program.

Assignments and Communication

Class correspondence and cooperation are for the most part no concurrent through message sheets and email. At times, understudies may utilize video or telephone highlights to discuss live with instructors and friends. Understudies may need to present a physical location to get DVDs, course readings or other physical study hall materials.

Assignments might be turned in by means of email or through the school’s online framework. For tests and tests, understudies may interface with a restrictive framework online that evaluations their work as they submit it. This might be coordinated or taken at understudies’ recreation.

Essential Technology

Online MBA understudies commonly need a Web cam, mouthpiece and comparable equipment for video talking. Programming may incorporate Microsoft Office Suite with PowerPoint, Word and Excel. PC prerequisites change by school, yet frequently include:

  • Specific memory and RAM prerequisites
  • Updated Web program
  • High-speed Internet availability
  • Personal email address

Courses and Specializations

Online MBA programs generally offer a similar educational plan as their on-grounds partners. Basic subjects incorporate the accompanying:

Specializations might be accessible in such regions as the accompanying:

  • Finance
  • Marketing
  • Health care the executives
  • Operations

Through online MBA programs, working grown-ups can propel their business aptitude. The coursework might be conveyed in an assortment of arrangements, and understudies must have PCs and hardware that are prepared to help online course materials.

Simple Ways to Cut Back on Unnecessary Spending

Simple Ways to Cut Back on Unnecessary Spending

Money is a major source of stress in our lives, and it just never feels like there’s enough to go around and cover costs. Looking for ways to cut back on unnecessary spending to gain some financial freedom? Ready to make small lifestyle changes to increase your savings and pay off debt? Read on.

You’re Dealing with Debt

One of the reasons that someone might look to cut back on their spending is to increase the amount of money they put towards their debt repayment. For those with large sums of student or credit card debt, the knowledge that you need to make these payments can be stressful. For one, you don’t know how to handle all your payments.

What’s more, debt collectors can be aggressive and sometimes downright intrusive. For financial assistance from qualified financial professionals like Licensed Insolvency Trustees (formerly known as bankruptcy trustees) and credit counsellors, click here for more info about the steps you can take to address and eradicate your debt. With their help, you can establish a debt recovery plan and put a stop to those debt collection calls.

Use Public Transportation

There’s an unsavory quote from the “Iron Lady” herself, Margaret Thatcher, about public transportation. She once said that, “A man who, beyond the age of 26, finds himself on a bus can count himself as a failure.” For many of us today who are concerned about carbon emissions and saving the planet, taking public transportation can be a smart and socially conscious way to travel.

Some cities have more established transportation systems than others, so using public transportation is relative to your location. Still, taking public transportation is an easy way to save money on transportation while also relieving yourself of the costs that comes with car ownership.

Carpool or Use a Rideshare Program

If driving makes more sense that taking public transportation, then consider alternative ways of using a car. These days, people are getting creative with the ways that they share things like cars and homes, with a boom in the sharing economy seen through recent business booms from Uber, Lyft, and AirBnB.

To cut back on the costs that come with regular car payments, insurance, parking, gas, and maintenance — try using a ride sharing program that lets you easily rent a car whenever you need it. You can also carpool with coworkers or friends and split the cost of gas with each other, another way to reduce the amount of money you spend on a car.

Change Your Cell Phone Plan

Do you really need a phone that lets you check social media every hour? Are you paying for phone series that you don’t actually need, but simply use because you have them? You can save a lot of money by going for a bare-bones cell phone plan.

Look for minor carriers with good service that offer contract-less service. After all, we’re constantly hearing about all of the ways cell phones are bad for us. Scaling back on your mobile use will save your money while improving your health and happiness, too.