Hooray! You have received your tax returns, now what? Maybe you just can’t wait to get your hands on the latest gadget since last month, or wanted to book a Caribbean cruise with your hubby but don’t really know if it’s going to be worth it. Now listen to me and read this list first then opt to decide later.
Start an Emergency Fund
Unexpected expenses happen like car repairs and home improvements you can’t suspend, no doubt you will refer to your emergency fund right away. Now is the time to start or increase your savings. My husband and I make it a point to replenish whatever we’ve spent from the fund. Since we are newly weds, we spent money on minor home improvements recently without busting our budget. But there are definitely a lot of ways on how to boost your emergency funds too.
My husband called me the other day to just let me know he’s on the way to bank to pay the credit card balances. Who wouldn’t be proud of it! Though it may not be much, we just want to stay on track. You can also put your refund to higher interest debts like car loans. The sooner you can get rid of these payments, the more money you will have for other and more important things.
I manage my own savings account since I was 8. I went to the co-operative bank all by myself to deposit little cash that I earned from winning art contests and coins I saved from lunch. I owe this trait from my parents who pushed me and my siblings to save and reach our goals. I still have that unique smile when I look at how far I have gone. This is the most fun part because it helps us dreaming and save for it. Here are some ideas of what you might start saving for:
- A down payment for a new home
- A family vacation without maximizing your credit card limit
- A much-needed remodel or repair for your home
- Being able to pay for your next car in CASH!
- Tuition for our children
My husband and I prefer to open separate savings account specifically for each item we are saving for. It also helps you to keep track your spending. Your refund is a great resource to jumpstart any of your goals.
Go and have some fun!
Reward yourself and don’t feel bad on spending a fraction of your tax refund on a well-deserved vacation with your loved ones or buy a sewing machine to start a new hobby! It’s not only fun, it can also enhance your life and happiness.
Invest in the future
Some of us doesn’t enjoy the idea of investing because you can’t actually feel it. Well now that you have tried and accomplished all four ways, maybe it’s about time to invest in the future.
“If your current finances are on solid grounds, then you may want to go ahead and invest that money. It would be an easy way to bump up retirement savings. Maxing out your IRA contributions can be an incredibly smart move that your future self would thank you for.” TurboTax advices.
How are you spending your tax refund this year?
If you have financial and tax questions or you want to establish an awesome relationship with a pro tax services by Palermo & Beetz, email them at email@example.com or call (954) 443 – 0977. LIKE their page on Facebook.
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Our skin gets more attention during this season than protecting one of the most precious parts of our body—the eyes. It’s better for us to discuss why we should take care of our eyes too. Just as how UVA and UVB destroys our skin, it also has an effect on our sight. Style matters less, but protection does. What’s more, UV damage is cumulative, so every time you step out in shades, you’re doing your eyes a favor — and staving off potential sunburn of the cornea (the eye’s outer layer) or conjunctiva (the layer that lines the eyelids), as well as preventing cataracts (clouding of your eye’s lenses) and macular degeneration (retinal damage that leads to vision loss). Here’s a brief friendly reminder for all.
What is the difference between UVA and UVB rays?
The sunlight that reaches us is made up of two types of harmful rays: long wave ultraviolet A (UVA) and short wave ultraviolet B (UVB). Basically, UVA rays can age us and UVB rays can burn us. Overexposure to either can damage the skin. There’s also a third type of ray, UVC – these are the shortest and strongest, but thankfully they’re absorbed by the ozone layer and don’t typically reach the Earth.
UVA rays penetrate deep into the dermis, the skin’s thickest layer. Unprotected exposure can lead to premature skin aging and suppression of the immune system. And when your skin’s defenses are down, you’re at risk for skin cancer.
The intensity of UVB rays vary by season, location and time of day, with 10AM to 4PM being the peak hours. Sunburned skin doesn’t just feel awful, it can cause permanent damage over time.
Is eye protection more important in summer than at other times of the year?
Just as how important SPF to us, wearing sunglasses should be worn all year long.
Are any sunglasses shapes better than others?
If you opt bigger frames like those of the Kardashians, you are doing yourself a good favor. Others wear sporty wraparound frames. Those are designed to allow the least amount of light to come through.
Can I get cheap $5 glasses from the sidewalk?
Would you believe some of those offer solid protection from UV? The downside of it is that cheap glasses have low quality lenses. You don’t want to distort your vision, don’t you? Additionally, the frames are usually made of cheap materials that they don’t hold up to normal wear and tear.
Is lens color important when it comes to blocking UV rays?
Color lens are actually just for personal preferences.Lens color doesn’t affect the ability to block UV. You can even wear a clear lens that has UV-absorbing properties.
What do “polarized” lenses do?
I use polarized lenses when I work on the computer because ‘Polarized Lenses’ are designed to reduce 100% of reflected glare. the kind of glare that comes off water, snow, road surface when driving or walking, and computer screens. Polarizing filters operate like venetian blinds — only allowing one direction of wavelength to pass through. You can now decide whether to choose between tinted lens or polarized ones.
Are darker lenses more protective?
Not always but darker lenses allow little light to pass through. There are people with certain eye disorders that may not need darker lenses.
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There are some people who just have it. You know, that thing…
They illuminate a room. Eyes follow them. The spotlight naturally and effortlessly is drawn to them.
It’s called soul.
People who embody soul are irresistible. Seriously irresistible. Like, I-can’t-take-my-eyes-off-you irresistible. Uh huh, it’s that good.
Soulful individuals are always being pursued. People flock to them. They look good, they feel good; they’ve got that thing.
Guess what? You can have that thing, too. In fact, you already have it. You just have to tap in and let it shine. That’s what this article is going to teach you to do.
Here are four easy steps to embody your soul and light up a room. Get ready to turn some heads.
The quality of being centered is strong and peaceful; assured and graceful; aligned and free.
It feels heavenly to be around centered people because these qualities are so desirable to us. They also aren’t the norm.
We live in a fast-paced, frazzled world, so being a pillar of peace is an oasis in a very dry desert. If you flow with grace and ease, no doubt people will be drawn to flow with you.
So how do you do it?
Easy. You practice.
Whether it’s meditation (focus on your breath), mindfulness (focus on the now), or just paying attention to what is happening in the present moment, these practices will lead you to embody a sense of calm and ease.
People will take note. It’s a slight shift with a big impact. Train yourself to be here now and watch how others respond to your aura of grace.
2. Be grateful.
The reason gratitude is paramount in attracting others is because it aligns you with a state of abundance. Abundance overflows – it wants to share. When you’re overflowing with good vibes, others will flock by your side.
Think about it. How does it feel to be around people who are grateful; people who are happy, free-spirited, and gracious? Pretty nice, right?
Gratitude overflows. It’s light, joyful, and yummy. When you feel grateful, you become one with this delectable energy; it’s an absolute people magnet!
Embody your soul by getting your gratitude on. Relish all the beautiful things you encounter during your day, feel it before you go to sleep, and be thankful whenever possible. This practice will greatly increase your personal magnetism, guaranteed.
3. Live your truth.
People with that thing have confidence. Not inflated confidence; not narcissism. It’s a deep confidence. Faith.
They know what they want, and they know that they’re going to get it. This type of unwavering conviction is extremely attractive to us because it’s what we all want, too.
We all want to know. We all want to be certain. We all want to believe. Therefore, those who live in this manner are utterly irresistible to us.
When someone speaks with conviction, we listen. We may not like what they’re saying, but we’ll listen. Conviction draws a crowd.
Guess what? You have conviction, too. You may not be aware of it, but you do. It comes in the form of your intuition, your higher self, your truth.
There’s a voice that lives inside you; it’s not in your head, it’s in your heart. When you listen to this voice you’ll be guided in the direction you’re supposed to go. And as life unfolds the way you want as a result of listening to this voice, you’ll have found your truth.
There’s nothing more captivating than a person on their path. Listen to what the real you has to say, then follow through. People will always be drawn to you as a result to being true to yourself.
Love. Just love.
Love your city. Love your home. Love your food. Love your dreams. Love your people. Love.
Love the things that are easy to love, and stretch to love the things that aren’t.
When you love fearlessly, you beam. You’re a light in the storm. You’re a smile in the crowd. You’re a breath of fresh air.
Love is that thing.
Involve your heart in all that you do and people won’t be able to take their eyes off you.
Make a commitment right now to embody your soul – to be the most irresistible version of you. Center, feel grateful, live your truth and love your heart out, and you will, without a shadow of a doubt, become a magnet to everyone who has the privilege of basking in your light.
Please leave a comment below to tell us how you plan on embodying your soul today. Remember, we all benefit from your shine.
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