Saving Money

1. Plan before you spend!

Making a budget will not only help you to limit your spending, but knowing what exactly you need and how much it will cost can help to reduce your financial anxiety.

2. Keep track of your spending

Once you’ve set a budget, keeping track of your spending means you’re less likely to overspend. Whether it’s by using a notebook, an app on your phone or an excel spreadsheet on your laptop, choose a system that works for you. If your bank offers you alerts for when your current account dips below a set amount, opt in.

3. Do ‘family gifts’ or a Secret Santa

If you’ve got a lot of people to buy for, such as extended family and friend groups, suggesting a Secret Santa is a great way to keep the costs down. A large box of chocs, tin of biscuits or sweets or a board game can be a great family gift rather than buying individual presents for each person.

4. Avoid ‘buy now, pay later’

Tempting as these schemes are, try to avoid them unless you have a plan in place for repaying the loan within the interest free period.

5. Don’t lose your head over sales

The golden rule of sales is: it’s only a bargain if you were going to buy it anyway! In the deluge of deals around Black Friday (25 November) and Cyber Monday (28 November), try to resist impulse buying.

6. Use cashback sites

With these sites you can earn money as you shop. Once you’ve set up an account, click on the retailer you want to buy from.

Some common opinions on daily beer drinking...

Firstly, drink in moderation, i.e. one to three units a day in conjunction with a healthy meal. Avoid drinking more than five glasses in a short space of time. Beer in particular has plenty of nutrients, such as protein, B vitamins, phosphorus, magnesium, selenium, iron and niacin.Hops contain a number of nutrients that appear to prevent a variety of diseases, including Alzheimer’s disease, obesity and depression.

However before you go out and celebrate keep in mind that One of the most common harmful effects of alcohol is on the liver, the organ that removes toxins from the body. In the liver, enzymes first convert alcohol into acetaldehyde, a chemical intermediate that can cause nausea, headache, vomiting, and other bad effects of alcohol ingestion. There are upper limits; maintaining a significant blood alcohol % through any form of ingestion for a continuous amount of time is not good for you. Beer is one of the safest of forms of alcohol, competing possibly with red wine, because it has a tiny amount of nutrition in it, and generally, low alcohol by volume compared to spirits and liqueurs. Warning: Use alcohol responsibly as it can seriously damage your health.

18 Please mention the Sentinella when replying to ads! How well do you know your MAN?

How well do you know your man, about his inner secrets and more...?

1) Men actually like chick flicks. It’s true. Guys actually enjoy a good Adam Sandler’s movie as long as it’s not his stereotyped and regurgitated crap or a notebook romance just as much as much as you do. Your man may moan or he may whine while you drag him to the cinema, but he may actually be the one to sniff his tears back first during a touchy scene.Don’t get him to admit that he likes chick flicks though. Unless he’s comfortable with his feminine side, he won’t have the stomach to say it out loud. 2) Porn time. Let’s move on now from the tear jerking chick flick to the other kind of jerking. It’s a given that men enjoy watching porn now and then. We’ve always been fascinated by a girl’s assests, and even if we’ve seen thousands of boobs, bums and the rest on screen, we’re all drawn to the alure of erotica. Unless you’re man is addicted to porn or it’s affecting your sexual intimacy and lovelife, then just let him be, nothing positive will come from embarrassing him if you catch him pants down and red handed. He still loves you and this is only a quick naughty fantasy act here and there, nothing to worry about! If you feel betrayed or jealous and want to feel better, then join him and watch “his porn fantasies” together. He’ll love that thought, it will blow more than just his mind! That way you can openly choose “your preference” next time. Just don’t go looking for 1 girl shaing 3 guys straight away! 3) Men hurt more. Men may pretend like they don’t care, or they may choose to walk away instead of having a conversation, but that doesn’t mean they don’t hurt inside. If a bloke is experiencing a broken heart, it hurts him a lot more than you think. And the worst part, it stinks because no one else knows he’s crying inside other than him! 4) Thoughts of the future. Men do think of the future, even though they may behave like lazy walruses that couldn’t care less about what happens the next day. Your man would wish you’d understand this and just let him dream in private. Your guy may not share his thoughts or say his dreams of the future out loud, but that’s only because he’s too afraid of promising things to you that he may not be able to achieve. If he builds castles in the sky for you, he’d be too afraid to fail and may even end up going through a life crisis just trying to make those promises a reality. As guys, it’s so much easier to pretend like we don’t care about the future instead. 5) Space! If your boyfriend sits by himself for a while at the end of the day, it means he needs his space. And it definitely doesn’t mean he’s waiting patiently for you to join him and gossip about your day’s events. Men are extremely possessive about their personal space and need at least an hour by themselves every day. It’s when he relaxes and frees his mind. So if you catch your man staring into empty space or the telly, just let him be. 6) Don’t order a salad for yourself and eat a man’s chips off his plate, especially when he’s hungry. It’s a sure way to piss any guy off. A guy measures his portions visually and mentally, and even if one morsel reduces from his plate, it throws his calculations off balance. And he’d definitely lose his appetite and his temper! 7) We’re the best. This is a secret wish, but one that all men share. Men wish that every girl they meet would see them as the best guy they’ve ever met, and say it out loud now and then. Men just love impressing or smooth talking every girl they meet. He’d like you more if you say it out loud - “You are the most amazing man I’ve ever met, you are an incredible lover, I’ve never met anyone like you ever!“- An instant hit, try it!!

Rise above it!

Life rewards action. But even greater rewards await those who orchestrate positive actions. Loving relationships, meaningful work, financial security, time to recreate and a lasting legacy come to those who act to bring them about. Although life isn’t always easy and there are plenty of excuses not to be our best, rewards go to those who let their actions rise above their excuses. Sometimes our actions get lost in our intentions. Have you ever heard someone say, “I intended to tell her how important she is to our team before she left,” or “I intended to volunteer last weekend,” ” or “I intended to keep my commitment, but...?” Well, the truth is, we judge ourselves by our intentions, but others judge us by our actions. So, here are three ways that you can get the best from yourself and others. Have a need? Help someone succeed - Move through adversity - Stay connected. Plan for the future, but live for the present. Don’t obsess about yesterday and don’t be seduced by the promise that tomorrow all will be better. This says it best: Yesterday is history, Tomorrow is a mystery, Today is a gift, That’s why we call it the Present! Your BEST team is a personal and powerful way to ensure you are staying connected and orchestrating your actions. To get the best from others, give the best of yourself.