How to Save Money Rule

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I have been living on the 60/40 budgeting rule for more than three years now. I had read on this subject in a magazine article and in a conversation with a colleague, I found out a simple system in which my colleague has been using for years.

The Rule (60%)

The 60/40 rule simply says that 60% of your gross income should go to Committed or Fixed expenses. These expenses are your Overhead expenses, meaning the basic things you need to pay to survive. They include:

• Basic food and clothing needs.

• Rent or Mortgage

• Utilities (electricity, water, internet, cable subscription etc.)

• Insurance premiums.

• Charitable contributions.

• Taxes.

It looks simple enough but in my experience putting all committed expenses into 60% of my income was a tough thing to do. But don’t give up as it is very possible to achieve this.

The Rule (40%)

The other half of the equation is the 40% which is divided into four 10% categories.

• Retirement: Money set aside into your IRA or 401(k) plans.

• Long-term savings: Money set aside for car purchases, major home repairs, or to pay down debts such as credit cards, mortgages, etc.

• Irregular expenses: Vacations, car repairs, new appliances, etc.

• Fun money: The great part! Do anything you want with this money! Just be sure that this category applies to your whole family such as dining out, a day in the mall shopping, your hobbies etc. But also remember that having fun with your friends, children and family does not have to be costly!

What to Ask Yourself

• Are you renting a place or have a mortgage that you cannot afford? Is it worth it move to a smaller place or farther place to save up? How much money will you save if you do so?

• Are your car payments too high? How is the fuel consumption of your car?

• Do you have too many paid subscriptions that you don’t really use? (Satellite TV, club memberships etc.)

• What is your lifestyle like? How much do you spend in a week, eating out, going on trips etc?

• Do you wear designer clothes? Where do you shop?

• Can you afford to get your coffee or lunch at a cheaper place?

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Water, Hemorrhoids and Alcohol Consumption

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There is a lot to be shared about the connection between drinking water, hemorrhoids (piles) and excessive alcohol consumption. The news media, health blogs and healthy living magazines constantly remind people to drink more water for better health.

We all know water is better for us than soda, sugary drinks and all the other liquids most people prefer to drink than simple water. But we all have cravings. I used to drink lots of soda thinking I was getting enough water from it.

These same health sources also warn that excessive alcohol consumption and hemorrhoids are a painful reality for many heavy drinkers. Piles are inflamed anal veins that grow into small or large masses inside or outside of the anus.

They are commonly known as internal or external hemorrhoids or external piles and internal piles. Hemorrhoid symptoms are chronic itching in and around the rectal cavity. They also cause a stinging burning pain that makes walking or even sitting extremely painful. Severe inflammation of anus veins can cause bleeding from the anal region that can be scary.

Let’s look at drinking water, excessive alcohol consumption and hemorrhoids a little more closely.

Drinking Water and Hemorrhoids

Water is absolutely essential in digestion, absorption of nutrients and bodily waste elimination through urination and bowel movements. Health experts recommend as a general rule of thumb to drink at least eight 8-ounce glasses of fluid a day. If you’re exercising or losing bodily fluids more rapidly you’ll need to drink more, but the “8 x 8” rule is a good to gauge follow.

Drinking water helps prevent chronic constipation, which can play a big role in developing piles. Straining when passing bowel movements can lead to blood swollen veins around the anal region. When a person’s body is not properly hydrated from drinking enough water constipation can happen that causes painful piles to develop internally or externally.

Dehydration is significant contributor to hemorrhoids. Drinking plenty of water can greatly reduce the risk of getting this condition that effects millions of people yearly. It can be caused by digestive problems due to poor body hydration. You would be amazed at how many cases could be prevented using the “8×8” rule.

Chronic diarrhea is another major cause of piles forming. Diarrhea’s spastic motion adds a tremendous amount of unhealthy pressure to the anus that can cause straining like with constipation. Strong spastic pressure on the anus that can also cause anal fissures besides inflamed anal veins.

When people do develop hemorrhoids their doctors always tell them to drink plenty of water to help flush out toxins while keeping their digestive system healthy to prevent a future outbreak.

If you don’t like the taste of tap water or want to live eco-friendly avoiding bottled water invest in an affordable water purifier for the kitchen faucet.

As a former hemorrhoid sufferer who went through laser surgery in Los Angeles I make sure I drink plenty of water daily. Hydrate to beat them!

Excessive Alcohol Consumption and Hemorrhoids

By no means am I telling people not to drink. I enjoy one glass of red wine with dinner most nights. My doctor told me it was good for my heart in moderation. If I’m at a dinner party it’s not uncommon for me to have two or three glasses of red wine while enjoying good company.

When I go fishing or camping with family and friends I enjoy more than a few bottles of Sierra Nevada Pale Ale. As I’ve got older in life I’ve learned my drinking limits and no when to not push it to excessive alcohol consumption.

Where excessive alcohol consumption and hemorrhoids becomes a dangerous mix is when it comes to heavy or binge drinking. College was my first experience with excessive alcohol consumption and piles. I wasn’t drinking enough water or eating right. My sophomore year I developed a very small external hemorrhoid.

It still hurt like an itchy fiery bee sting and I was embarrassed to tell my friends. My parents took me to a doctor who prescribed me a non-steroidal anti-inflammatory drug (NSAID) to treat it and eliminate it. The growth was very small and was caught early, so it could be treated without surgery or banding. There are other many excellent hemorrhoidal products you can buy online for hemorrhoid relief and treatment.

Alcohol dehydrates the body badly and robs it of precious vitamins. Most people when they drink alcohol skip drinking water in between alcoholic beverages and don’t take a vitamin for a day or night of drinking.

Heavy drinkers have a higher risk of getting this rectal condition because of alcohol dehydration and lack of vitamins in their bodies. It’s recommended to take a multivitamin 4 hours before drinking alcohol. When you drink alcohol make sure to take your vitamins.

Drinking too much alcohol can cause severe constipation and small, dry stools that are tough to pass during bowel movements. The strain and pressure to pass a bowel movement makes the veins in and around the anus inflamed. This is a major factor to internal and external piles developing.

People that consume alcohol excessively will commonly experience digestive and bowel movement problems. This is because alcohol in any common form (beer, wine, whiskey etc.) acts as a diuretic that will dehydrate the alcohol drinker.

A person who is dehydrated normally experiences constipation and is forced to severely strain when passing bowel movements. Binge drinking can also lead to highly elevated blood pressure, which in turn increases the pressure to delicate veins in and around the anus.

The important thing is to drink water even when you’re drinking alcohol to stay well hydrated. Dehydration, constipation and diarrhea contribute heavily to hemorrhoid risk or can make a current hemorrhoid condition worse. Water is your friend when it comes to hemorrhoids. Excessive alcohol consumption and hemorrhoids are two things to avoid if you can.

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Make Hardcover Photo Books From Snapfish

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Snapfish.com is a well known online retailer of photo based gifts and other products and services. Despite offering a plethora of photo printed products, like calendars, traditional prints, and even drink coasters, Snapfish seems to be best well known for their exquisite photo books. Photo books are created by the user, who uploads a set of their own digital photographs from their hard drive to the Snapfish website, and uses their robust editing software to assemble them into a bound hardcover book with text, backgrounds, borders, and other fun and appealing features. Photo book prices start at a low $19.99 for an 8×11 hardcover photo book with a linen cover, and 20 full color pages.

Before you can start designing a photo book with Snapfish you must first register on the website. To create a photobook, navigate to that section of the website and select the size you want to go with. For hardcover options they offer 8×8, 8×11, and 12×12. There are two different options for the 8×11 available – Leather or Linen covers with a “window” (showing a portion of the image on your first page), or a printed cover or jacket. You make these selections before entering the designing software, but you can change it later if you desire.

Before you start designing your photobook, you should first select and upload all of the images you want to use in that photo book. Once all of your images are uploaded, Snapfish offers to automatically design and fill in the photobook for you. While this makes your job super simple, it may not do things exactly as you would. Images are filled in in the order they’re uploaded, and page layouts are somewhat random. The design system will lay out your images in plenty of different ways. Sometimes it will put two images on a page with a text area, or one full page image with no text, or sometimes three images on one page and a page of text on the next. This is a great option for people who don’t want to spend a ton of time working on the book, but takes some of the personal touch out.

If you really want to dive in and make the best photo book you can, then you’re in luck – Snapfish’s design system is extremely robust. If you try to insert an image that is low resolution and won’t print well, you will be warned. You can also do photo adjustments from the design area, like resizing and cropping, flipping, rotating, red eye removal, color enhancement, brightness and contrast, and even color conversion (black and white, sepia, colorize).

You can also select page backgrounds and designs. You choose a “theme” before entering the designing area, but you can change every page individually if you prefer it that way. Just select the “Backgrounds” tab and drag and drop what you want onto the page. The “Layouts” tab is where you can choose how many images you want per page, if (and where) you want to place text, and the size and placement of images. There are a total of 78 different layouts to choose from, as well as “magic” layouts that allow you a much more customized layout experience. You can even add borders to your images here, but that option isn’t necessarily compatible with all layouts.

The hardest part of designing photo books is keeping track of which images you have and haven’t used, so that you don’t end up with duplicates, or leave some out. Snapfish makes your image management easy, however, by placing green checks next to images you’ve used. The full list of your images (and these checks) is found on the right hand side of the design area. If you decide you want to remove an image from use, or from your list, you can do that in this area as well.

Once you’ve completed your photobook, you can view a 3D rendering of what it should look like by clicking “Preview” at the bottom of the design area page. This is a navigable preview that lets you view pages in order, like you would if you were looking at the real book.

Snapfish.com makes some of the best photo books on the web, and hopefully with this article you are now better prepared to navigate their website, and design the best photobook possible.

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