msalada's blog

To weigh or not to weigh, that is the question. When you are losing weight, how often should you weigh yourself? The answer to this question depends on who you listen to or whose book you are reading. I have seen answers that range from once a day to once every 2-3 months.

Here is my two cents worth on the subject. I think that once a day is a bit much. There are things other than what you eat that are going to affect your weight on a daily basis. Personally, I would rather not weigh myself that often. Whether I lost or gained has a big effect on my mood and my ability to stay motivated.

Part of eliminating your debts is taking responsibility for your finances. It is your name that is on your accounts and the bottom line is, it is you that the lender will call if your credit cared payment is not made on time. So just how much attention do you pay to that credit card statement when it comes in the mail each month?

Let’s start with your checkbook. Is it balanced? Do you know how much money is in it? Or do you always keep enough money in it that you know none of your checks are going to be returned. I guess that is better than not having enough in it when the checks come in. But, what happens if somebody is automatically deducting a monthly charge from your account and you are not aware of it. The charge may be small enough that you are not noticing it in your balance.

The work-study program is a student aid program that is funded by the federal government. The federal work-study program provides jobs for college student as a way for them to make money to pay for the education expenses.

These students are placed, if possible, in jobs that are related to their field of study. When I was involved in the program, most of the work-study jobs were on campus and were the type of jobs where you were able to study while you were working, making it a win-win situation for both the employee and the employer.

You will be paid at least the state minimum wage and sometimes more depending on the job. Keep in mind this is a government funding award and when you reach the amount you were awarded, you will be done working. The amount you are awarded depends on when you apply, your school’s funding level and your need.

Since the Medifast Weight Loss Program is one the hottest weight loss products on the market today. Here is a quick overview of how the Medifast weight loss program works. If you are trying to lose weight quickly, the Medifast diet is for you because you will lose 2-5 pounds a week by following this diet.

The Medifast weight loss program is low-carb, low calorie food plan that uses meal replacement products as meals and snacks. When I say meal replacement products, I am referring to shakes, bars, soups, oatmeal and pudding. You eat 6 small meals a day with your dinner being what they refer to as “lean and green.”

Debt consolidation can be one of two things; a loan that is used to consolidate all your debts or a restructuring of all your unsecured debt through a debt counseling agency. A debt consolidation loan requires you to own a home and the debt consolidation loan will be secured with your home.

The major conveniences of a debt consolidation loan are one monthly payment instead of several, paying out less per month (you may pay for a longer period of time though), a lower interest rate then most credit cards and the interest is tax deductible.

The things you need to be aware of are: this loan is secured with your home, if you default on the loan the lender can foreclose on your home. The other drawback is the availability of the credit on the recently paid off credit cards. Unfortunately, many people use that credit and find themselves with credit card balances again within a couple of years.

Retirement? This something I think about quite often. With less that 20 years left until that time comes, I wonder if I have done enough to prepare for that time.

Here are a few things you should to take into consideration when planning for retirement, especially if you are women:
• Consider your lifespan-women are expected to live until the age of 85. This is 3 years longer than male partners.
• Be aware of the obstacles-women are often paid less and do not usually spend as much time in the workforce as men.
• Stocks historically provide the best overall performance for retirement income.

Some people are overweight because of circumstances beyond their control. They may have medical conditions or take medications that cause them to gain weight. But the biggest majority of overweight people (more than 95%) gain that weigh because of what they put in their mouth.

Because of the enormity of this problem, in today’s society, there are many weight loss organizations that can help you manage your weight. I feel one of the biggest parts of learning to manage your weight is figuring out why you overate in the first place. If you don’t figure out how you got where you are it will be hard not to end up there again.

Debt counseling is a type of debt consolidation, but it is not a loan. Debt counseling is a good debt solution if you are making only minimum payments, but you are current on your payments or slightly past due. Debt counseling organizations are sometimes referred to as consumer credit counseling services. These debt relief groups are usually non profit and will work to help you obtain financial freedom. Do not be confused. Just because a debt counseling service is non profit does not necessarily mean it is free. Be sure to get all the facts.

Consumer credit counseling services will consolidate your debt and reduce your interest rates without a loan. These consolidation services will accept credit card debt and any other unsecured debt. Not only will you have the benefit of reduced interest rates you will also have the convenience of one monthly payment for your debts. Debt counseling services will also deal directly with your creditors and your creditors will no longer be able to make collection calls to you once you have enrolled in debt counseling.

I belong to this fellowship that believes that is the only way to live your life—One Day at a Time. I try to remember this in everything that I do and it is not always easy. Living in a country where instant gratification is so easy to come by, it is hard to remember that most things worth having are worth waiting for.

When it comes to dealing with adversity in our lives this is a good policy to follow. In most cases, we did not get there overnight and we will resolve anything overnight, but if we take things one day at a time and deal with things as they arise instead of putting them off. We will be able to rise above the conflict in our life.

How much have you thought about retirement? If you are like a lot of American’s, it is not foremost in your mind, but it should be important to you. Here are a few things that you can do to help you know where you stand:

• Prepare an overview of your expenses-calculate everything that you pay out from your groceries to your utilities. Find out what it currently costs you to live.
• Look into your future-some of your costs may increase, but you will have other costs that will decrease in the future. Try to be specific about what it will cost you to live. Don’t forget to factor in inflation.