Underramp.com: Blog Underramp.com: Blog http://www.underramp.com/blog/ Copyright by Underramp.com en Underramp.com Sun, 01 Aug 2021 03:51:01 -0400 How to Stay Healthy on a Shoestring Budget

Staying healthy in the modern world seems not so easy even when you have a lot of money, and especially when you don't. Even though, you should relax and read some tips on how to stay healthy with not so big budget. Let's start!

1. Drink lots of water

This is something you can do for yourself without wasting a single penny, and the impact on your health is enormous. You probably already know that we are beings mostly made out of water, and we need around 2 l of water on a daily basis so that our body can function normally. Actually, this will help you save some money, because you can eliminate almost all the other drinks from your menu. Water will help you stay fit, it improves functioning of your brain, and provides you a better sleep. The thing is that the most of us forget to drink enough water during the day , but there is a free solution to that as well! Just set the alarm on your mobile, and it will remind you every two hours to get your dose of pure health. It's simple as that!

2. Provide yourself some good sleep

Sleeping is not only a life savior when you're feeling down and blue, but it also has some incredibly good impacts on your health. It helps your brain cells and all your vital organs renew, and prepare for the next day. It would be perfect if you could provide yourself approximately 8 hours of sleep during the night. It is also recommended to sleep in a dark, ventilated room. Before sleep you can relax, listen to the music that makes you feel good, and forget about all the stress. All you need is a cosy bed and a couple of hours. Sweet dreams!

3. Exercising

One of the things that we find hard to begin with, but once we start, we just can't get enough. Doing sports gives an instant boost of health to your body. Your heart is working faster and pumping more blood, your lungs are taking in more air, so that your whole body soon becomes filled with oxygen. You will start to feel much better, and healthier. You will become released from stress, and your sleep will improve. And after some time, you will also start to look very fine. And the best thing of all, is that you don't have to waste any money to achieve this benefits! You don't need to pay for expensive couches, gyms, or workouts. All you need is either your room, or a little of space in a park nearby. Options are endless. You can go for a run, for a fast walk, practice yoga, or many other exercises. Internet and Youtube are filled with exercise videos, so that it has never been easier to start working out.

4. Eating healthy food

Even though the first thought is that healthy food is expensive, actually it is not. You don't have to buy all the fancy new products in organic shops, it is enough to put some healthy habits regarding food in your daily routine. First of all, you should make a timing of your meals, and stick to it, that will keep your metabolism in a good shape. Be aware that breakfast is the most important meal of the day, so pay more attention to it. Avoid junk food and alcohol. Also, try to eat as much fresh food as possible. One more tip - you can save some money for buying some healthy food that will last for a longer time, and earn some money like that.

5.  Staying positive

Last but not least, the thing that impacts your health more than you know, is the health of your mind. And keeping healthy in your head is completely free. Try to spend some quality time with yourself every day, surround yourself with positive people, try to stay away from all the stress and negativity. Do good deeds for others, and the results won't fail. Share positive vibes, and health will be your companion!

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5 Money Saving Tips for Digital Nomads A digital nomad is an individual who is able to leverage the power of digital and electronic technologies to earn a living and live a life in a nomadic manner. Such people work from remote areas such as foreign countries, libraries, coffee shops, and recreational vehicles. The goal is to complete tasks and goals that would traditionally be done in a conventional work environment. They work on any freelance gigs or sell products through the Internet.

Additionally, they do not have any fixed routine in life. They continuously move from one place to another. The advent of the Internet and communication technologies has helped digital nomad to successfully work and travel. However, it is important that individuals living such a lifestyle strive to save money and live a frugal life. The following are some of the ways that you can adopt a nomadic lifestyle and save money:

Find Cheap Accommodation

Always find accommodation that is cheap such as hostels which are relatively cheap as compared with hotels. The accommodation should have a kitchen where you can cook your own food. Purchasing cheap food from supermarkets helps to reduce costs. Eating out at restaurants can be costly. There are cheap accommodation options available in many countries. For instance, you might share accommodation with other people as this would be cost effective.

Use Cash

When travelling, a large number of costs occur when you use the debit or credit card to purchase things. The result is you won’t know about the actual money you’re spending. At the end of the month, you’ll be flabbergasted when seeing your credit card bill and dwindling bank account statement. The simple lesson is that digital nomads should always use cash. This helps you to keep track of the money that is being spent on essential things. Stop purchasing items such as coffees, chocolate bars, magazines, and other little things that can reduce your cash reserves.

Use Cheap Transportation

Transportation causes a drain on the budget as it is expensive to hire a private car or use taxis for moving around. Always try to find cheap transportation such as the use of public transport. Places that have good public transportation for cheap can be selected. Moreover, any city with a good metro system also offers significant savings. Using an airline to fly to other destinations can cost money. In contrast, rail and bus links might be more cheap and cost effective for your needs and requirements. Within cities, there are always options of walking or cycling which can also help to reduce costs of traveling.

Keep an Actual Budget

Always keep a record of the financial transactions that have occurred. A budget is an effective way to track your finances. You’ll be able to keep track of where your money is going. Moreover, you will also be able to identify trends and learn lessons from previous tips. Smartphone apps can also help in creating an efficient budget.

Do Multiple Jobs

You can work on multiple jobs depending on your skills. Never rely on a single skill as it is important to focus on ways of gaining your objectives. You want to travel extensively while earning money by identifying different opportunities.

Uncategorized http://www.underramp.com/blog/5-money-saving-tips-for-digital-nomads-10/ http://www.underramp.com/blog/5-money-saving-tips-for-digital-nomads-10/ Editor Wed, 10 Aug 2016 12:05:25 -0400
Financial Tips for Traveling in China China hosts a rich and diverse history and culture and is one of the four ancient civilizations with over 3600 years of written history. The country is a host of 47 UNESCO World Heritage Sites with the inclusion of the Imperial Palaces of the Qing and Ming, the Great Wall of China in addition to the country’s stunning natural beauty from the enormous pillars in Zhangjiajie National park to the Karst landscape.

According to Lonely Planet, a travel guide publisher, travelers can spend as less as $32 staying in dorm beds, visiting free museums and buying food from street vendors. For about $ 160 a day, visitors can enjoy a decent stay in a pleasant hotel room, enjoy paid excursions and dine out in China.

Be strategic with your cash and cards

Chinese Yuan (CNY) is the currency used in China. Cash is the King in China; credit cards are not used as commonly as in western countries and will charge a foreign transaction fee that can add up quickly when traveling. Since credit cards will only be accepted in malls, big hotels and large restaurants, it is advisable your money for cash before departure to China or at the airport upon arrival. The airports exchange rates are notoriously high and the use of ATM machines for exchange is highly recommended.

Set up a bank account

If you plan to live in China or work there for some time, you can bring cash to China and open a Chinese bank account in any bank. There are three main banking institutions in China which include the Bank of China, the International Commerce Bank of China and the China Agricultural bank. Once you open an account in either of these banks, you will be issued with a bank card to withdraw funds from all over the country at no fee. The card can also e used to make purchases and pay restaurants easily in the country. Having a friend or colleague who understands mandarin will make the process much easier.

Always carry cash around

Most financial transactions are carried out in cash - even the medium to large ones. Three major terms are used to refer to cash in the country, kuai, yuan and renminbi. A cash of up to 30 000 RMB would be a good target cash to work with for emergencies and unplanned expenditure.

Spend less time in big cities

Lodging, food and other activities cost much more big cities in China. If you have no particular business in the big cities, travel to other inviting smaller towns where you can expect to be charged less for most things Moreover, you will enjoy fewer traffic jams and congestion and experience the non tourist side of the country.

Traveler checks

Bother yourself not with traveler checks as they are hardly in use anymore. Some banks in the country have been named to turn them down as they prove to be big time wasters. Moreover, bargaining with foreign currencies in Chinese markets is not favored as merchants have got no interests in foreign currencies.

Finally, tipping is an exception in China. It is expected neither by taxi drivers nor by restaurant waiters but can be performed to demonstrate your gratitude for the serviceprovided.

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How to Save on Flight Tickets and Hotels with VPN

Do you love travelling? Is high hotel and flight ticket cost barring you from enjoying frequent visits to various destinations all over the world? Or have your attempts to slash down overall expenditure on flight ticket as well as hotel booking proven futile? With recent mushrooming of some unscrupulous individuals who sabotage our quest for quality travel as well as accommodation arrangements, we are all rendered vulnerable to their attractive yet unsatisfactory services. This begs the questions; what can we do about the situation? Is there a long lasting solution to this situation? However, there is good news.

Did you know that using VPN could see you cut down the overall expenditure on flight ticket as well as hotel cost? If you didn’t, now you know. After flexing muscles and delving into the nitty-gritty details of how VPN can save you several bucks on flight as well as hotel cost, the findings were not only perplexing, but also perturbing. Use of VPN in booking hotels as well as making arrangements for flight ticket is a new technology that has shot up in the recent days with more travelers opting to use it as opposed to the olden methods. It is a move that marks a warm departure from the olden booking methods that were characterized by massive delays not to mention the huge bills that those willing to travel had to foot as a result.

How does use of VPN help in cutting down the overall cost on flight ticket as well as hotel cost? If this is a question lingering in your mind at the moment, come with me as I dig deeper into the matter in an attempt to unearth one or two ways in which VPN cuts down the cost of flight ticket and hotel cost. After taking numerous statistics and carrying out proper and thorough analysis on the cost of flight ticket as well as hotel prices using various servers based in different regions, the findings were rather fascinating if not eye-catching. Using servers based at different regions, what one discovers is the fact that the cost differs by a considerable margin. For this reason, using a VPN for hotel booking could see you save considerable amount of money.

What causes this depreciation in the cost from one region to another? Why is using a VPN seen to cut down the cost of flight ticket as well as hotel cost? Anyone with shreds of knowledge on global currency exchange will vividly understand the fact that exchange rates cause considerable price fluctuations on a similar commodity. For this reason, when one uses a VPN, their local currency undergoes all necessary exchange procedures and this sees them enjoy a price that is lower than the one they could have paid if they hadn’t used a VPN. So how do we harness the full advantage of VPN? Stating the right IP address as per one’s location could see them pay less for flight ticket on different travel websites. For example, using a VPN provider's service for China can give you an China IP address.

It therefore goes without saying that VPN is one method that can be used to reduce one’s expenditure on flight ticket. This being as a result of currency strength in comparison with others, then it is time we took advantage of this trick that has been used by travelers in order to spend laws for their travel.

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How to Guard Yourself against the Uncertain Housing Market

One of the most important things for our personal finance is housing. In these trying times, there are some good deals out there if your credit is good and you are a first time home buyer with savings. If you are a seller, the uncertain housing market can offer some challenges as your home may not be worth the price you originally paid.

It is hard to really put your finger on when the market will settle into a more stable atmosphere, as the foreclosures are still rising and unemployment rates are at an all-time high. But there are still some measures you can take to secure or sell your home at a fair price.

Realtors are often your biggest asset during unpredictable times, as they are aware of what the going prices are in their areas and can often steer you in the right direction. The first thing you have to decide if you are the buyer is whether you are going to be long or short term on your purchase. If you are a first time buyer and plan to live in your new home for more than ten years, chances are pretty good that you will inherit a home that will go up in value over the next ten years since the value of homes has been seriously reduced in the past few years.

If you fall into the category of short term, only a couple of years at best, you may want to really think about the purchase, as you may not see any return at all. The same scenario can be played out for the seller. If you have the luxury of being able to wait a few years to sell, you may want to use that option as now is definitely not the time to sell in most areas.

If you must sell, then staging your home and upgrading where changes are needed will probably pay off for you - the main reason being that there are many homes available and the purchaser is really in the position of being able to choose that move in ready home.

If you are purchasing a home, be sure to choose an affordable home. Many of the foreclosures that are happening across the country are because the purchasers bought a house that was too expensive for them. Keep in mind that you are not only responsible for the mortgage on the house, but taxes and upkeep as well.

In an uncertain housing market, there are always unforeseeable challenges. The best thing you can do to prepare yourself is to read up on the market and the kind of house you wish to purchase. Make a list of features you definitely want and features you are willing to sacrifice. You will find that there is a house on the market for you; you just have to look for it.

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How to Deal with Household Costs After Moving In Together Moving in together with your partner is a big step in a relationship. It is also a big step in regards to finances. Moving in together can ease the burden on both of your wallets as household costs will more than likely be shared by both of you. Advance planning is necessary for a smooth transition.

Running a household can be expensive and there are many different factors to take into consideration. The first thing you need to figure out is whose name the utility bills are going to be under. Utility bills include water, heat, electric, and phone and cable service. If only one partner is on the lease, then his or her name will have to be on the utility bills. If both partners are on the lease, the utility bills can be in either name.

Splitting the cost of the bills is the usual way for unmarried partners. Each month, when the bills become due, both of you will split the total cost in half and one will be responsible for paying the bills. This requires attention to detail. Keep the bills where they are easily accessible so both partners can view the bill for themselves and keep track of expenses for the month.

Some partners choose to set up a joint checking account for the purpose of paying bills. Even with a joint checking account, it is always good to have only one person in the house handle the finances to prevent too many hands dipping into the proverbial pot. A joint checking account will allow both partners to keep an eye on the finances and track which expenses clear. One major bonus is that both partners have access to the account and can verify expenses and debits.

A joint checking account, however, is not for everyone. If you are not comfortable with this idea, then discuss alternate payment plans with your partner. You can always ask for your partnerís share of the bill when you sit down to pay them.

The only downfall to this is that your partner may not have the money readily available. If you do not have the money available to cover your partnerís share, you run the risk of paying the bill late and incurring penalties. Another potential problem is having a partner who does not pay their portion of the bill. In this case, it is important to have a discussion and work out a plan.

Moving in together is a big step and requires planning, especially in the area of finances. It is not necessary to combine incomes, but an adequate payment plan has to be set up to cover the rent and utilities. Both partners need to work together to successfully run the household finances.

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Personal Finance Tip: Creating a Nest Egg Birds use their nests as a place of safety for their unborn eggs. They warm them and watch over them until they are ready to hatch. This is about what you do with your financial nest egg. Here are some tips for nurturing your future savings.

Everyone needs something set aside for the days when they will eventually stop work. Life doesnít stop then and neither does your money if you plan right. It is never too late to put something aside and help it to grow until you need it.

Start with a plan. All good ideas usually start with a plan. It gives you somewhere to go and something to strive for.

* Map out your future needs: This will be based on monthly bills (mortgage, utilities, car payments and insurance at least) and retirement plans. Do you want to travel or have a house at the beach? Maybe you want to start a farm or an online business. These things require money. Create a ballpark figure of how much money you will need each month to handle your dreams.

* Read about financial options: No one knows about financial things unless they take the initiative to learn about them. Read books, go online and talk with a financial advisor. Itís okay if you have a dozen questions. It is their job to answer each one of them to your satisfaction so you can make an informed decision. What are stocks and mutual funds? What is better: Roth IRA or traditional IRA? The only stupid question is the one you donít ask.

* Use as many financial vehicles as you can: Now that you know about all of these options, consider which ones are best for you. The old proverb says that it is not good to put all your eggs in one basket, so spread your money around to help it grow. Make your decisions based on advice and also based on how far you are from retirement, your children, your age and your after retirement plans.

* Minimize your lifestyle: To invest you need money. If there are ways to cut costs, the extra money can be put to work for your future. Here are some suggestions: Stop smoking, cancel cable television (Netflix is cheaper), downsize your home, consolidate services, renegotiate insurance premiums, brown bag your lunch, stop gym memberships, and use utility equal payment plans.

* Check and recheck: This is important to keep an eye on your investments. Different circumstances can lead to changes in the portfolio, so check it regularly to stay on top of new developments.

Is your nest egg healthy? If not, here are some options to help you improve it before full maturity. It may not be easy to make all of these changes, but over time the benefits will hopefully outweigh present sacrifices.

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Gone Overboard with Your Finances? How to Get Back on Track Going overboard with your finances is not hard to accomplish. Experts have said that the average American family owes $7,500 in credit card debt. If that were not enough, many people now owe more than their home is even worth. But alas, all is not lost. A budget can be implemented at any time, so pull up a chair, gather your bills and letís get started.

The first thing is to figure out what you have to pay and what you have coming in. Once you have sorted through the bills, organize them into groups of what has to be paid such as the utilities, mortgage, rent, loans and credit cards.

If you cannot afford the electric or fuel bill, call the companies. Most of the companies now offer a monthly budget plan in which you would only be required to pay around half of the bill, and then they will bill you the balance over the next few months. As regards credit cards, you can pay the minimum until you get through the first month. Then move on to the weekly expenses such as food and gas.

If you have really stretched the family budget to the limit (as many of us do), then you will have to forego the extras for a month or two. Bring your lunch to work, have your coffee at home and stay in at night. Recovering will not take that long since there is a lot of money to be saved daily just by doing the few items above.

When it comes to food shopping, make a list that includes planned out meals for the week. You will be surprised how much it will save you when you stick to the list and plan your meals. Use coupons to further your savings and save some extra money. Consider making a few casseroles each week as they can easily make two meals for you and your family.

At home, lower the temperature on the furnace, both when not at home and before going to bed. If you have not already replaced the old light bulbs with the new energy efficient bulbs, do so - they are a real money saver. Turn off appliances when not in use or unplug them to really see your utility bills decrease.

Many families go overboard with their budgets, not realizing that there are simple tips to rein in your expenses. By utilizing some of the above advice, you will be amazed at how much money you can save. Be smart and put that extra money away for a rainy day.

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Financial Tips for the Newly Divorced If you find yourself amongst the recently divorced population, you may be feeling not just the loss of a partner, but also the absence of the second paycheck. Chances are pretty good that you have lived your life based on two incomes, and now that you are the sole provider there are some changes that will need to be made. First thing is to figure out what you can live on by compiling your bills and adding them up, along with your weekly food and gas expenses.

If your rent or mortgage is more than you can handle, you can search out either a smaller more affordable apartment or if obligated by a mortgage, you can try to refinance or put the home on the market for sale. Selling your home is likely to yield you a profit which you can put into savings.

There are some quick things you can do to help you through the first year, such as reducing your cable and cell phone bills. Many of us have more channels than we watch, and now would be a good time to check to see what you are paying for and remove any channels or extra cable boxes that you do not need. Your cell phone bill can be brought down to basic usage, removing any extra features and also choosing a plan with fewer minutes.

Food shopping will take some getting used to, especially if you have been in a long relationship. You will probably want to either buy smaller packages of things such as meat, or freeze the balance if you have gotten them on sale. Always make a list and use coupons, along with checking local flyers for the best deals. Eating at home and bringing your lunch to work will save you from putting extra strain on your wallet.

If you find that after doing everything humanly possible you still do not have enough to live on, then you may want to take on a part-time job to offset your expenses. This may be harder, especially if you have children to provide for. However, nothing is impossible and part-time jobs can be done at home, online.

Changing your lifestyle is hard enough without having to go through a divorce. Now that it is just you (and your children if you have them), you will have to alter your budget and spending habits to sustain your lifestyle. Cutting back where necessary will give you greater flexibility with your budget.

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Pros and Cons of Staging a Home for a Quick Sale If you have been trying to sell your home during this difficult market and find that it has taken far longer than you had anticipated, you may be considering hiring a professional home stager. If so, you will want to know the pros and cons before pursuing.

The first task in staging your home is de-cluttering. This in itself is probably one of the most overlooked items. When a person enters your home for the first time, they want to be able to envision themselves living there. When the extra clutter is removed, not only does the home appear larger but it also has a clean lived-in look. A bonus is that you will now have gotten rid of years of clutter and accumulation.

Never leave a room empty. This will not allow the potential buyer the opportunity to see if their items will fit and most rooms, when empty, have the appearance of being smaller. Staging furniture can either make or break the size of a room. If you clutter a room with too much furniture, the room will appear smaller than it really is and will be off-putting to potential buyers. If you do not put enough furniture in, the room may appear too large and will also be off-putting. However, staging the furniture just right will give your home that warm, cozy feeling that most buyers are looking for.

An important over-looked task in staging your home is to remove all signs of personal items such as family photos or paintings. The reason for this is that a potential buyer is going to see your family as they tour the house, not theirs. By removing some of your personal family trinkets, a buyer is better able to envision themselves living in the house.

Today many people are turning to professionals in order to sell their homes in a timely fashion. A professional stager may offer just the extra touch. When staging the home the professional will do many things that maybe you yourself have not thought of. On the other hand, if you hire a professional stager and they are not as professional as you thought, the home can be overdone and appear staged, making the potential buyer wonder what you may be covering up.

Nobody wants a house that sits on the market for years and does not sell. To make your house more attractive to buyers, you will likely have to stage the home. Some buyers need the encouragement of being shown the possibilities rather than just seeing an empty home.

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Smart Tips for Cutting Coupons Coupons are there for you to reap the benefits of a generous manufacturer who wants you to try their product. Those who donít use them may be missing out of hundreds of dollars or more a year in savings. Here are some strategies to get the most from those newspaper cut-outs.

The Sunday paper is usually chock-full of advertisements for new foods or household products. At the bottom of those ads is a coupon to help you save money the first time you buy. Sounds good, right? So why do so many people avoid using coupons?

It could be embarrassment. But, using coupons is not a sign of poverty or too much frugality. It saves money and we can all use that. Manufacturers get tax breaks on their business when they perform promotions like this. You might as well take advantage of it.

Never used a coupon? Here are some ways to help you use them to the fullest of their potential.

* Clip coupons for items you use: The tendency is to cut out coupons for stuff that looks good. If you are hungry, everything will look good to you. Resist the urge to buy something just because you have a coupon. That is not exactly the way to save money. Use them to offset the cost of items you use the most: toothbrushes, bread, milk, poultry, razors, etcetera.

* Couple coupons with in-store promotions: Many stores hold weekly sales. They include circulars either in Sundayís paper or the mid-week edition. If your grocer is selling bread for a buck and a half on Wednesday, use Sundayís coupon for 50 cents off of a loaf of bread to save even more money. Some stores have their own rewards card. It is free to sign up and you can find many low prices on name brand foods and generic brands.

* Go online: There are websites now that are devoted to the almighty coupon. People list current offers for sites online as well as printable coupons for a number of different products. Here you can sort the coupons by category. It is much like the coupon box used to be in the grocery store, only more organized than that.

* Double your pleasure: If your grocery is offering to double any coupons up to one dollar, be sure to shop on that day. You can save twice as much on items that you use often. If you have a coupon for a free sample that you want to try, this is the time to do it without spending too much money.

Coupon cutting is not hard and it can reap some sweet rewards. This weekend, go through your Sunday paper and clip happily. Always check your coupons before going to the store so you wonít miss out on any deals.

Uncategorized http://www.underramp.com/blog/smart-tips-for-cutting-coupons-3/ http://www.underramp.com/blog/smart-tips-for-cutting-coupons-3/ Editor Sun, 15 May 2016 01:56:55 -0400