Oh My Heartsie Girl

May 28, 2018

How to Manage Your Credit Card Repayments with a Debt Consolidation Loan

When you purchased your new furniture to fit out your new home, your income could support the monthly payment. Then, there was that little trip to the Caribbean last summer that really did some damage to your credit card. Compound that with the fact that in the last couple of months, you had to make repairs to your home and that has maxed out not one card but four.

How-to-Manage-Your-Credit-Card-Repayments-with-a-Debt-Consolidation-Loan You have a monthly mortgage that is reasonable, but the interest rates on those cards are beginning to climb and things begin to get worrying. Every month, you pay a couple of hundred dollars in interest to keep your card’s current, and Ramen noodle breakfasts, lunches, and suppers are a serious reality in your future if you do not rein in this out-of-control debt. However, all is not lost, as you have a couple of options—namely the debt consolidation loan. In fact, debt consolidation loans by Latitude and other financing companies can help you save money and your credit score.

Keep reading below to learn how you can manage your debt with debt consolidation loans.

Take Inventory

Before applying for loan consolidation, sit down and review all of your debts to determine which ones to consolidate. A few of the considerations should include interest rates and the amount of the payment. If you have a card with a good interest rate, it might not be in your interest to include it as a part of your consolidation plan.

You also want to look at all of your monthly obligations to see how you can get the best benefit from a consolidation loan. After reviewing your monthly budget, figure out which loans should be consolidated. Then, as a part of any debt consolidation program, seek counsel on some of the programs that can help you achieve debt relief.

Play With The Figures

When finished reviewing your budget and deciding on which loans to consolidate, play with the figures to determine whether this type of loan is appropriate. Sometimes, consolidating is not in your interest, especially if your new interest rate does not lower the amount of money you would pay over the life of the loan. Furthermore, paying on existing credit in the short-term can help you re-establish your credit or help you hold onto credit cards that have good rates.

Review Your Credit Score

As a part of preparing to consolidate your debts, review your credit score to determine its rating and whether a consolidation loan is even necessary. This part of consolidating loans is important because the whole point of this process is to repair any damage to your report and to provide you with some financial relief. Plus, you cannot repair a report if you have no idea of what is being reported to the credit agencies.

Financial Paradigm Shift

As a part of the consolidation process, you have to be real with yourself about your spending habits. Yes, a consolidation loan is a quick fix for a short-term situation that could turn ugly, and yes, you do eventually come out from under what seems unending debt. However, lasting financial health comes with understanding our spending habits, why we spend, and the purpose of credit. By understanding our own spending habits and spending patterns, we can better make use of money and even learn to make it work to our advantage.

Re-Establishing Your Finances

The lure of credit cards is strong, especially in a society bombarded with materialism. Like many consumers, credit ends up being a necessary evil that can make our lives miserable if not properly managed. However, debt is not the devil incarnate when we begin to think about financial fitness from a different paradigm.

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May 27, 2018July 8, 2021

10 of The Most Important Things You Need to Know About Sleep

What do you know about sleep? Sleep makes us feel better. After sleeping for at least seven hours, the optimal sleep duration for adults, we tend to feel more energetic, we become more alert, happy, and increase our productivity.

Some of us treat sleep as an optional activity, while some even brag about how less they sleep. As much as 40% of adults in the United States don’t get sufficient sleep.

Sleep enhances our memory and repairs our body

Sleeping for the recommended duration relaxes our minds and helps us retain information. Usually, after high-quality sleep, we tend to increase productivity and recall things better.

Also, when sleeping for long duration’s, the body restores and rejuvenates muscles. The body repairs tissues and synthesizes hormones. This is why sleep is critical during growth stages. That is why children and teenagers need more hours of sleep, usually ten hours.

You cannot catch up on sleep

Most of us work during weekdays and tend to use the weekend for catching up on sleep, sorry to burst your bubble, but there`s nothing like catching up. If you are facing sleep deprivation, the only way you can overcome it is by several consecutive nights of getting sufficient high-quality sleep.

Majority of parents experience sleep deprivation during the first year of their baby`s birth. On average, they miss between 400 and 750 sleep hours.

It is essential for women to get sufficient sleep

Sleep deprivation poses more significant risks for conditions such as stress and diabetes. Women are more susceptible to these kinds of illnesses. Maybe it is because of the female hormones. Therefore, it is imperative for women to get at least 7 hours of sleep.

The question of snoring

Many think snoring is a part of sleeping because it is common. However, snoring may indicate a person is suffering from either sleep apnea, or from a critical breathing disorder. You should consult your doctor for a better diagnosis. The doctor can prescribe a continuous positive airway pressure (CPAP) appliance such as a ResMed CPAP machine to eliminate snoring and alleviate sleep apnea.

Always shut down all forms of light before sleeping

Light from electronic devices usually alters sleeping cycles. They do this by affecting the hormone responsible for inducing sleep, melatonin. Therefore, whenever you experience difficulty sleeping, consider shutting off all electronic devices.

Only a small proportion of individuals can optimally function after sleeping for less than seven hours

As a result of genetic mutation, there is a small proportion, 1% of individuals who can optimally perform after sleeping for fewer hours.

Failure to get enough sleep may ruin your career or performance

Usually, when you sleep for less than 7 or 8 hours, you are likely to experience sleep deprivation symptoms. Not only does sleep deprivation affect your health, but also hurts your career.

Health conditions that come from a failure to have enough sleep include diabetes, heart disease, and increased risk of obesity, stroke and high blood pressure. High blood pressure comes along with conditions such as impaired cognitive abilities. Effects such as difficulty in focusing and reduced productivity will interfere with your performance at work.

Your working hours may interfere with your sleeping pattern

Research shows that most night workers experience sleep problems, compared to day workers. Those who work at night sleep during the day, which changes the body`s circadian sleep regulation. Hence, it leads to disastrous effects. Therefore, those who pick jobs during the night, are more prone to the hazardous impacts of sleep deprivation.

The career you choose determines how much sleep you get

Some professions work in shifts for example paramedics and police officers. Compared to people in other occupations with regular working hours, those working in shifts sleep less.

The type of mattress you sleep on matters

You cannot enjoy the night nor have a quality sleep without the best mattress. You should sleep on something that is soft and comfortable. Usually, there are many types of mattresses in the market, but one stands out the memory foam mattress. Sleeping on a memory foam mattress is recommended for people with back problems. To promote better sleep, you can choose to buy a mattress topper for additional comfort.

Final words

Many mattress manufacturers claim to manufacture mattresses with a perfect balance of comfort and support. Therefore choosing a memory foam mattress, may be a tedious task. Sleepco is a renowned mattress firm, where you can buy the right mattress.

More Sleep Information
Sleep Well, Eat Well: Keys to Good Nights Sleep
Upgrades To Your Bedroom for Better Sleep
Mattress in a Box: The 7 Best Mattresses You Can Buy Online

May 27, 2018

How to De-Stress about child’s oral care?

We know how hard it is to get your child into following a good dental habit. Making them brush their teeth twice daily is like getting into a battle. However, it is very important for their oral health and tooth decay prevention. If they do not brush their teeth properly, it will lead to many oral and gum problems in future. You cannot stop them from having their favorite chocolates all the time. However, there are ways you can adopt to make brushing quite interesting for them.

Ways to introduce oral hygiene to kids

Let them make choices

Nowadays there are lot brands of tooth pastes and tooth brushes specially designed for children. Let them choose the ones they want to. This will be of great interest to them and send a sense of belonging. Brushing will become a fun affair for them.

Brushes with small and soft bristles are designed for the delicate baby mouth. These don’t pain their mouth and children love using them. Toothpastes with mild flavors attract children. The strong minty and medicinal flavors are their enemies.

Add more fun to it

There are many videos online that can be played in the background while they brush. These videos are related to brushing teeth itself. These songs make the brushing activity fun for them. Your child will complete brushing while dancing in the tune. They won’t even realize when the job is done.

Brush along with them

Children love to imitate their parents. When you brush in front of them and state benefits of brushing they will be inclined to follow you. Teach them the correct techniques of brushing in circular motions while reaching in between of the teeth. They are going to pick up the same procedure in future.

Use super hero stickers

You can select the photos from internet and get them printed on your child’s wall. The photo should depict a superhero brushing his teeth and fighting with the bugs in the holes of their teeth. This will give him the impression that he can fight the bugs on his teeth while brushing. Thus, this small act can get him to brushing his teeth without any further struggle.

Choose toothpastes with fluoride

Drinking water or gargling with water might be enough for the child as water contains good amount of fluoride. However, toothpastes containing fluorides are a better option for keeping cavities at bay. A pea-sized amount is enough for your child. Make sure he does not swallow the water inside.

Promote eating fruits and veggies

Instead of eating processed or canned foods, make your child eat healthy vegetables and fruits. They do not stick to the teeth and avoid cavities and decay.

Brushing at night is important

Food particles remain stuck to the teeth for the entire night if they eat just before sleeping and don’t brush. Develop the habit of brushing teeth before going to bed.

Take your child for dental visits

The first dental visit will make the child accustomed with the atmosphere and the procedures of testing the mouth condition. He will get ride off his fears and promote good oral health as you suggest.

After the first visit, start regular appointments with the pediatric dentist. This will involve regular checking of the teeth for cavities and will prevent any issues further. For best pediatric dentist in Atlanta, you need to navigate to the best possible place. A good oral health care institution will be able to give an overall improvement in your child’s oral hygiene.

May 26, 2018

It’s Time to Stock Up on New Coastal Bedding for Summer

Summer is here and it’s time for you to think about replacing your selection of Beach Bedding. Now that the new season is upon us, it’s time to take stock of things. Are you ready to begin the task of replacing all of your warm winter bedding?

Before you go replacing all of your winter sheets and comforters, you’ll need to make sure that you are able to guarantee yourself a state of the art bedding experience. Since only the best will do, you need to know where to find it. This is a matter that takes a bit of research and comparison shopping to get exactly right.

It’s Time for You to Make the Transition to Summer Beach Fashion

It’s been a long, cold winter, followed by a cool and promising spring. But now you can throw off the heavy comforter for good because summer is here. This means that you will also have a chance to make some significant new fashion decisions.

Now is your chance to get up to speed with all of the latest trends and advances in summer coastal bedding. Before you know it, you’ll have your bedroom looking smarter than ever. All you need is to know where to get the very best deals on summer fashions in bedding.

Where Can You Go to Find the Best New Summer Bedding Fashions?

To find the best new summer bedding fashions, you need to know how to shop smart. To achieve this goal, you’ll have to pay attention to where your peers are finding the best bargains. Luckily, thanks to the world wide web, finding the best new coastal bedding is easier than ever.

There are plenty of online stores, such as Paul’s Home Fashions among others, where you can go to get the best deals on new coastal bedding. These are the online venues where you can find the latest fashions at prices that won’t put a dent in your family budget. The sooner you get hip to shopping on the web, the better.