The 5 Dangers Of Sitting In A Bad Posture For Hours

Sitting for too long is bad for your health. Sitting for too long in the wrong posture is A LOT worse.
Read about the dangers and what you can do to avoid them in this post.

A post on health might seem like an odd topic to find here given the theme of this blog; however, this topic is directly related to my journey. In fact, the entire thing is dependent on it.


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Working on this blog is something I do while sat down. But it’s not just that, almost everything I’m doing, I do while sitting down starring at something, either reading for studies, writing assignments/homework, working on every single job I’ve ever had, watching TV, typing a blog post, researching a topic, or just scrolling through social media pages, etc.

That is a lot of sitting down! And this can be seriously dangerous if you are not paying attention to how long you are doing this and the way you are actually doing it.

I have been suffering from neck and shoulder pain for quite a long time, but only in recent months did it become so intolerable that I was forced to do a checkup, to find I have severe tight neck muscles and some kind of irritation in my cervical spine nerves (aka a pinched nerve).

An irritation in the cervical spine causes “pain that radiates into the shoulder, as well as muscle weakness and numbness that travels down the arm and into the hand.”

I have been taking medications and getting ultrasound therapy. But it’s not like the flu; and it doesn’t go away that quickly or that easily. I have been getting treatment on and off for the past 5-6 months. And many of the medications I have taken had some nasty side effects. So this is no walk in the park, it is bad and painful.

And I must say that, for the most part, I have been entirely dependent on the medications alone to do their magic and fix this, without much effort on my part.

But I’ve reached to a point where I got sick and tired of always being in horrific pain whenever I have to use my arm to carry something or, mistakenly, lean on it when I’m getting out of bed and feel as if a power drill is punching a hole through my shoulder.

So, I started to do some reading into this to try and find things that I can do on my part, to help fix this along with the medications.

But, first, let me tell you how bad this can actually get and why you should pay attention too!

How Sitting For Long Periods Of Time Affects Your Health

Sitting is the new smoking is a study made in the US claiming that sitting for one hour straight is as unhealthy as smoking two cigarettes.

They explain that sitting still for over 6 hours a day is as unhealthy for your body as smoking a pack and a quarter of cigarettes in a day. 

And that according to a study focused on the causes of chronic diseases, it is found that sitting for long hours is the number one contributer to developing a chronic disease (in the US).

Another study conducted by a number of leading professors in the UK was made on sedentary behaviour and its effect on both young and adults. And it concludes that sitting for long durations of time can cause obesity, type 2 diabetes, cancer, cardiovascular disease, and early death.

How To Avoid These Issues

It is highly advised that in order to avoid the serious health issues that accompanies sitting for too long, you should have a break every 30 minutes.

So every 30 minutes you need to get up for one or two minutes; you can do some stretches, walk to get a drink, or just do any kind of movement to break the idle position that your body has been in for the past 30 minutes.

There are some apps that are created specifically to help you do that, or you can simply set a timer on your phone for 30 minutes to work as a reminder that it’s time for you to move.

5 Ways A Bad Sitting Posture Affects Your Health

Image by medicaldaily.com

As per multiple studies and scientific researches made on the negative side effects of sitting in a wrong posture, it is found that your sitting posture can affect you in many more ways than just the way your body looks.

1. Back and spinal column

Starting the list with the more obvious problem that arises from sitting in a bad posture: back pain.

Sitting in a wrong posture can cause pain in the upper back, lower back, and the neck. The pain can also spread to include your arms, hands, legs and feet, depending on the part affected in the spinal column.

One of the medical conditions it can lead to is a pinched nerve.

Beside the fact that it causes a lot of pain, a pinched nerve, if left untreated, can cause chronic pain and permanent nerve damage which can lead to a disability, depending on the area controlled by the affected nerves.

And it is quite alarming to know that, according to this research, for every 2.5 cm your head moves forward, you add 0.45 kg of extra wight on your spine. A human’s head weighs between 4.5 and 5.5 kg.

So, if you are starring down at your phone, for example, that is about 13 cm of leaning forward which adds 5.85 kg of extra weight on your neck and spine. Adding to that the actual head weight, and you get an average of 11 kg of weight that is being dragged by your neck and spinal column. That is also the average weight of a 2-year old child.

2. Lungs and breathing

When you are sitting in a pitched forward position, the lungs slump forward and become compressed with the diaphragm moving up further in the chest which decreases the amount of oxygen entering your lungs by 30%.

Decreasing your oxygen intake, in turn, affects your energy levels and your ability to concentrate. It will also lead to feelings of fatigue and cause headaches.

3. Blood pressure

According to a study made in the UK, scientists found that sitting in the wrong posture where your shoulders and back are slouched is likely to affect your blood pressure.

The neck muscle cells signal the brain when sensing movement in the neck, to ensure adequate blood supply as the body changes posture. This system, however, breaks down when cells incur damage from poor posture, resulting in blood pressure either higher or lower than optimum.

4. Digestive organs

Sitting in a slouched posture compresses the digestive organs which can make them incapable of functioning properly. It slows the movement of your intestines which can cause digestion problems such as bloating or constipation.

This effect on digestive organs can also impact your metabolism.

5. Mental health

From my own take and what I noticed, when you are slouched in your chair, it creates a feeling of laziness and sometimes you’d feel down or easily irritated, unlike when you are straightened up, it feels like you are more open, awake and active.

And according to this research publication, the posture in which you are sitting does indeed affect your mood. A bad/slouched posture leads to being more prone to and easily affected by negative thoughts and emotions; while sitting in an upright position reduces stress and generally enhances the person’s mood and their mindset.

And as another experiment concluded, people that sit in an upright posture tend to easily remember more positive memories and have positive thoughts than those in a bad posture.

What Is A Good Sitting Posture?

There are a few things that you need to pay attention to when you sit down in order to make sure you are in the right posture.

  • Your feet should be flat on the ground with your knees making a right angle and are at the same level as your hips or slightly lower.
  • Your back is straight and chest is stretched so that your shoulders are not slouched/arched.
  • Your head is positioned where your chin is parallel to your hips and your ears paralleled to your shoulders.
Image by medicaldaily.com
A video by posture coach Michelle Janice showing how to sit up straight.

4 Things To Help Maintain A Good Sitting Posture

All that doctors have been saying over and over is that I should keep a good posture, “try to always sit with a straightened back and stretched
shoulders and don’t lean forward with your head.”

So, I am completely aware that this is what I am supposed to do. But how do I keep that posture for the entire 5-7 hours I am sitting on my laptop?

I’m only able to maintain this position when conscious about my posture, but then I get distracted with what I’m actually doing and, an hour later, I find myself back to the hunched-over-the-laptop position with slouched shoulders and forward neck again.

This happens because, to me, this is the more natural and comfortable position, where I don’t have to be all the way stretched. So, I needed a more practical solution.

Here are 4 things I do that can help keep a good, healthy posture for as long as you are sitting.

1. Sit on a cushion

Because sometimes the desk and chair I’m sitting on are not in good alignment where my arms and elbows are in a perfect straight line position.

In my case, it is usually that the chair is lower than the desk, and so I sit on a cushion which helps me maintain that position.

2. Roll pillow behind your back

This has been a real savior. Because, like I mentioned earlier, it can get really uncomfortable when I try to keep my back in a straight position for a long time, so putting a roll pillow* or roll cushion behind my back works as a support for the middle part of my back which both makes me feel way more comfortable and it sort of automatically enhances the way I’m sitting anyway without much effort on my part.

But even when I tend to slouch a little bit, it also works as a continuous reminder to get back to the right position.

3. Place the laptop at an arm’s length

This could be something that most people do already, but I only realized that recently and, oh my god, it is such a relief when I type now.

I have always had my laptop placed right at the edge of the desk and so my arms and elbows are usually just hanging the entire time I’m typing, which causes more pressure and therefore more pain in my shoulders.

How to make sure that you are in a good, comfortable posture where your arm is always supported is if you push the laptop far on the desk, so that your arms up until your elbows are supported by the desk itself and then type that way.

There is also a really helpful video that shows even more ways to help you keep a good posture, not just while sitting on a computer but when watching TV, playing games, or using your phone. You can watch it here.

4. Set a timer

Setting a timer to alert you every 15-20 minutes can work as a reminder to both move around or straighten up and correct your posture. There are even some phone and computer apps that can help you do this.

But if you are not interested in an application, you can simply create several alarms on your phone, or a timer every 15-20 minutes, as a posture reminder.

5. Stretches

One of the things that can help maintain a good posture at all times is if your body feels relaxed and comfortable at that posture. And one way to get your body to that level of comfort is if you do certain stretches that help with the back and upper body’s flexibility, so that keeping a straightened back and stretched shoulders no longer feels uncomfortable or weird (or, like me, makes you feel like a cyborg).

Below are some example stretches that I do. You can find more of them and information about each pose and its benefits here.

Standing cat-cow. Image by yoffielife.com.
Active child’s pose. Image by yoffielife.com.

Downward-Facing dog stretch. Image by forteyoga.com

Standing forward fold pose. Image by forteyoga.com

And eventually, if you are already suffering (like me), here are a few things to help with that too.

5 Things To Help Relief Back Pain

1. Heating pad

Placing a hot water bottle* or a heating pad* (this is the one I use) on the area of your back or neck that hurts can reduce the pain, because the heat relaxes the muscles and speeds the blood flow to that area. This is one of the things that I have been advised to do for my neck and shoulder pain and part of the physical therapy treatment I am getting.

2. Herbal cream

There are some herbal creams available that help ease muscle pain. They are made entirely of natural ingredients; however, you should still consult a doctor before using any.

You would simply take a sufficient amount of cream on the tip of your fingers and start applying it on the affected area. It can work even better if you do so after you have applied the heating pad.

3. Massage

A massage, especially in the neck and shoulders area, can work as a great pain relief because mostly the pain in this area is caused by the pressure put on those muscles to hold your head. So, by massaging that area, you help those tightened muscles to loosen and relax.

You can simply massage the area with your hand, go to a spa, or you can buy a massager that you can use at home or at work. (I found the latter to be a more convenient option and so I use a similar Shaitsu massager to this one*).

4. Stretches

Doing the same stretches above can also help relief back pain. But you can find more exercises related to relieving back pain in this article.

5. Medical treatment

This is of course an obvious step to take if you are indeed suffering from such pain, because leaving it untreated for a long time can cause even more damage which would take a longer treatment period or worse, could cause a permanent damage to your body.

So make sure you consult your doctor to get the right advice and treatment needed for your situation.

Till next week, happy days (and healthy bodies)!

*Disclaimer: Links with* are affiliate links. Meaning that, at no additional cost to you, if you purchase through one of these links, you are supporting me to get a small commission from this sale.

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8 Steps To Achieve Anything You Want In Life

Since it is still January, the first month of a new year, where most people are trying to have a new beginning and make a change and act on their new year’s resolutions, it felt like there is no better time for a post to help someone achieve goals.

Most of us run into many great ideas and read inspiring articles or books that have practical thoughts and ways to improve our lives, but how many of us actually take the time to apply any of it? Well, not many.

As far as I can remember, I never really had a life goal that I was pursuing. If I ever had a goal it was usually short-term and I’d usually get bored or lose hope and give up in a few weeks. I have read so many books and watched countless videos on self-development and how to progress in life; how to plan and set goals and achieve them. However, I haven’t ever sat down and collected all those things that I learned and created one big summary that I can actually follow myself.

And I didn’t realize how much my life was lacking until I decided to do just that a while back, and words can’t begin to describe how much my life has changed since then. So, in this post, I am sharing that summary of everything I learned about life goals and how to achieve them.

A dream is a dream.

A goal is a dream with a plan and a deadline.

Harvey Mackay

In my opinion, I see two types of people out there: Those who achieve great things and those who spend their lives wondering (me in the past).

And the difference between the two is that one of them took the time to realize what they want out of life and then took action while the other is just living in a hamster-wheel kind of life where they are preoccupied by their routine to the point that they have no clue what they really want out of life; and, unfortunately, most of them don’t even realize it until very late in life.

Why should you have a goal? And how do you choose it?

I believe that there is no greater waste than a life without a goal. Goals give you a vision as to where your life is headed and motivation to keep going and keep getting better. Having a goal helps you make the most out of life and, in successfully achieving your goal, it gives you a sense of pride and confidence.

But what kind of goal should you have? Well, you can have goals in all aspects of life. You can have a goal for your health, your personal life, your finances, your spiritual wellness, etc.

And while it is important to have a goal for every major aspect in your life, it is, also, equally important to realize that it is kind of impossible to do all of them at the same time.

Meaning, if your goals are to be fit, and to be rich, and to meditate every day, and to travel the world, and to get married, and you go ahead and attempt to do all of those things at the same time with an equal amount of attention, thinking you can balance everything, chances are you will either give up completely or, if you’re really special, you will manage to have a mediocre achievement in one, or maybe two, of them.

But in order to truly manage to achieve everything you want, you need to focus only on one or two main goals. Those should be the ones that have 80% of your time and attention. Once you have achieved those goals, or at least reached to a point of confidence that you are well on your way now, you can then move on the next major goal on your list.

And when deciding which goal or which aspect of your life you need to focus on right now, it is best if you ask yourself: which one of them that, if you achieve it, will make achieving everything else easier?

When you answer this question, you will have decided on your goal and you can then go ahead and start working on it.

How do you set a SMART goal?

It is not enough to just have an idea of what you want, to be able to achieve your goal, it needs to be a SMART goal. There are several meanings for a SMART goal, but this is the one I choose to go by:

  • Specific (exact target, be as descriptive as you can)
  • Measurable (you can easily see or feel the target achieved)
  • Action-oriented (has a clear plan with actions you can follow to reach that goal)
  • Relevant (be certain it is relevant to you and your actual desire in life)
  • Time-bound (has a realistic and flexible deadline)

For example, your financial goal can’t just be “I want to be rich;” however, it can be something like, “3 years from now, I want to have 1 million in my bank account through real estate investments.”

Make sure you also write that goal down on a paper and have that goal in front of you at all times.

To be honest, I’ve always wondered what difference it would make if the goal is on a paper or a note on my phone or just in my head, I mean I already know what I want. But I found that just the simple act of writing the goal and reading it every day makes it more tangible and that makes a huge impact. Because, without even realizing it, everything you do subconsciously leads you to achieving that goal, the more you read it and recite it the more real it becomes in your head.

Live your life as if all your dreams have come true then challenge your reality to catch up.

Dan Lok

What happens between setting the goal and achieving it?

After you have a clear specific goal to achieve, now comes the real work. Because there is a huge gap between setting a goal and achieving that goal, and in that gap usually lies the “planning.”

Photo by rawpixel.com

Most of us can get to the part where we decide what we want to achieve and have a very good reason as to why we do; however, the reason many of us don’t manage to achieve those goals is because we don’t take the time to actually plan how we are going to get there.

In order to set the right plan for your goal, you will need to break it down into smaller goals and then set a plan to achieve those smaller ones.

If you fail to plan, you are planning to fail.

Benjamin Franklin

Here are 8 steps to follow to achieve any goal you have in life

In this example, I will have a hypothetical scenario for a financial goal for myself and then follow the steps it takes to create a practical and realistic plan for that goal. I chose a financial goal since it is easier to explain with numbers.

1. What is your major financial goal in life?

I want to have financial freedom where I wouldn’t need to have a job to have an income.

This is the big picture, the ultimate goal, but put in a vague statement. So, I need to be more specific.

2. How to change that into a SMART goal?

By the year 2029, I want to have one-million pounds through real estate investments.

Now this is a clear goal that I can start working on.

3. How do you break down this ultimate goal into smaller targets?

  • Ten-year goal: one million
  • Five-year goal: 500K
  • One-year goal: 100K
  • Monthly goal: 8.4K
  • Weekly goal: 2.1K
  • Daily goal: 300

So I broke that major goal down to the point where I know how much money I will need to make on daily basis so that I can achieve the weekly goal, to achieve the monthly goal, to achieve the yearly goal to reach my ultimate goal.

If I don’t manage to hit the daily goal, I will fail to meet the weekly one and therefore the monthly one and so on. So it is very important that you know how your every day activity is going to contribute to the final result.

4. What are the requirements to get there?

This is where I set a list of all the resources, the skills, the knowledge I will need to be able to achieve these goals.

For this example

  • I need to find more ways to make money so that I can meet my daily goal every day.
  • I need to set a budget to be able to save enough money for investment.
  • I need to establish a few sources for real estate investment.
  • I need to learn more about finance, money, and time management.

5. What kind of obstacles may you face along the way?

It is important that if I want to have a realistic plan and have one step ahead is to make sure I study all the possibilities and expect any kind of obstacle, so that when it happens, I am prepared.

The possible obstacles in this scenario are:

  • I may not be able to save enough money for investment.
  • I may fail at one of the investment choices I put my money into and therefore lose money.

6. What do you need to do to avoid/overcome those obstacles?

After I think of the obstacles, it’s time to study the methods through which I can resolve such obstacles whenever they arise.

  • So, I may need to spend more time learning more skills to widen my job opportunities.
  • I need to make sure I stick to the budget I set and cut down unnecessary spending.
  • Contact people who are more knowledgeable and can help me find better ways to invest my money.
  • Do my research before I put my money into any kind of investment.

And, most important of all, I need to accept that eventually there is always a chance of failure in anything in life; so, in the worst case scenario where that happens, I need to take that with a positive mindset to be able to move forward and not be stuck in that one point of failure.

7. Set a schedule

After we set the goal, break it down, study the requirements, the obstacles and how to resolve them, comes the time to put down a strategy to achieve that goal.

Meaning, I need to write down my daily tasks that will lead me to achieve the daily, weekly, and monthly goals.

When setting the daily tasks or my to-do list, it is also helpful to prioritize them. So, I’d think of the most important thing that absolutely has to be done that day. Then ask if I could only finish two things today, what would I do next? And so on, until I have a list of all the important things that need to be done according to their priority.

Here’s a to-do list for our example:

  1. Work 6-7 hours on writing/design tasks to be able to meet the daily goal of 300 pounds.
  2. Study 1 hour of Finance course.
  3. 30 minutes for myself and my well-being (workout, meditate, or interact with family or friends, etc..).
  4. Pitch for new clients.
  5. Do research on the investment options I have.
  6. Read book on time management

I can also go ahead and set the exact hour of day I will be doing those things to be even more organized.

This way, every day I will have a clear idea of what needs to be done in order to get closer to achieving that one ultimate goal. And now I am ready to take action!

8. Share your goal

The last step after I have done all the planning is to share my goal with someone. This could be a family member or a friend (or in my case, a blog, online for everyone to see…) because they will hold me accountable, and this will give me a push to achieve that goal, especially in those moments when things get tough and I may feel like giving up on it.

It will also make it more real, because now it is not just in my head or on a paper on my desk, it is out there and other people know about it too.

This, in a slightly large nutshell, is everything I learned about planning and setting achievable goals for myself.

One last thing to remember:

There are no unreasonable goals, only unreasonable deadlines.

Brian Tracy

Till next week, happy days!

7 Easy Ways To Save More Money

Saving money is a crucial step if someone wants to have a shot at financial freedom, because in order to be able to invest your money, first you need to have saved some.

How I took the decision to start saving:

I actually did not care about saving money in the past, mainly because I had no reason to. I had worked a few jobs which mostly paid me well, but I had nothing to save for at the time, no real financial responsibilities and no financial goal to save for, so I did not feel the urge and I did not see the point in saving.

If I see something I like, and I have the money for it then I will buy it; otherwise, why am I even working?–That has been my mentality up until a few months ago.

Then I had a reality check. Several months ago, I became entirely dependent on myself and instead of living with my parents, I was alone for some time. I had a job that paid me well, and had a humble amount of money that was still saved because I hadn’t spent it on anything yet.

From the outside, I may not have seemed like a lavish spender but I did spend a lot of money, most of it was wasted on food, jewelry, books and skincare products (yep, those are my weaknesses!). I can hardly feel bad about books, though, because I feel that is an investment itself, but everything else, not so much.

At that time, for some reason I went through this shopping frenzy where I was making a lot of purchases online and not thinking twice about it. And I had reached to a point where I was eating out/ordering in every single day and, sometimes, multiple times a day.

And because I am not used to paying attention to my spending or caring about money, one day, I was about to make an order for a meal, and just casually checked my wallet before I ordered and I found that I only had 50 pounds left in my pocket (that’s about $3), I tried checking my bank account and that was about zeros. And this was not even the shocking part, but it was when I realized that there was still an entire week left until the salary would come in.

This was a real turning point for me because this was the first time in my life where I literally had no money, not even enough to buy myself a meal; that was a scary moment. (But hey! let’s not get too dramatic. I did have food at home, I was just too lazy to cook it.)

And, even though I did have a credit card available, so I could still have access to money until pay day, that money was not really mine.

So, that was when I realized I needed to change my spending habits and look at money differently (also, when I realized I needed to start cooking!). But even though I started paying attention to how I spend money, still I wasn’t saving much. So I had to figure a better way to save more.

Save money and money will save you

1. Set a Budget

This is probably a technique that is as old as money itself, but still I only started doing that like 2 months ago. Setting a budget is not easy if you don’t know how much money you actually spend every month and what exactly you spend it on.

So, in order to set the right budget for myself, I had to monitor my spendings, document how much I spent and what I spent it on. I did that for 2-3 months just to make sure that whatever amount I set will be an accurate one, so I would not have to go over it at any point.

2. Set a Saving Goal

As I mentioned earlier, the reason I never cared to save money was because I had no reason to save. So, I had to create a reason that would motivate me and push me into saving and keep up with my goal.

Since I started this experiment (as I like to call it) of achieving financial freedom, I set a yearly saving goal for myself.

For now, my saving goal is to save enough money by the end of this year so I can buy an additional fund in the home construction company I discussed in the passive income: 4 real estate investing options post. And to be able to achieve that amount by the end of the year, I broke it down to a monthly saving goal.

It is also better if you have those monthly and yearly goals set in writing and have it somewhere where you can always see it, so it doesn’t slip away from your mind.

3. Think Before You Buy

Now do I really need to buy that one-of-a-kind veggie slicer? Or this never-before-never-again pair of trousers?

I used to buy a lot of things and end up not ever using them. Until this moment, there are pieces of clothing which I bought a couple years back that still have the purchase ticket on.

Things can look tempting at first glance and if you don’t stop yourself for a moment and actually think whether or not you need this, and whether or not you will actually use it, you will end up spending so much money on absolute nonsense (like this one time, several months ago, when I paid $200 on a teeth whitening device that is still in its delivery package wrap till this day).

Now, before I buy anything, I give myself enough time to think it over, again and again, before I decide. Also, if I’m doing an online purchase, I usually wait a day or two and see if I still want it as bad, because sometimes when I wait, I’d no longer be interested in buying it.

You will be surprised how much money you will save by doing just that.

If you buy things you do not need, soon you will have to sell things you need.

Warren Buffett

4. Use the Internet

Consider the internet your new, trusted best friend who you need to consult before you do anything.

There is an unimaginable number of things you can learn to do on the internet. So, before you decide to spend your money on something, make sure you can’t find a cheaper way to do it or a DIY replacement for it. (I save about 300-400 pounds per hairdresser visit just by learning how to cut and dye my own hair.)

You can also use the internet to find out about deals and discounts. It is actually interesting how much money you can save by just doing a little bit of research before going shopping for anything.

Real-life example: I was looking to buy a pair of shoes recently, and I found the ones I wanted for about 1,099 pounds in one of the go-to stores that I already know; however, with just a little bit of research, I found the exact same pair for 595 pounds and they even had a free-delivery offer for the month. So, not only have I saved on the shoes itself, but I also had it delivered to my doorstep for FREE. All it took was just some digging online.

One other thing I can totally thank the internet for is that it basically feeds me. As you probably already noticed, I’m a quite lazy person, so cooking was never really my thing. However, thanks to YouTube videos and some cooking websites, I can find a lot of easy and quick (and delicious) recipes to cook at home and from ingredients I already have. Apart from the fact that it is way more healthy, it is a major money saver!

5. Open a Savings Account

Remember that saving goal I mentioned earlier? Well, you’re going to need a place to save that money. One of the options is to open a new savings account that is separate from any account you’re already using.

Beside your saving goal, use this account to save any money left from your current month’s budget. And don’t worry if it’s only just a few pounds. If you have an extra 50 pounds left from your budget every month, that is 600 pounds by the end of the year; not a huge amount, yes, but that’s 600 pounds more in your account for basically doing nothing.

For me, I use an account which I did not get an ATM card for, just to make it harder for myself to withdraw any money from it.

6. Ditch Your Credit Card

The problem with credit cards is that they trick you into thinking you have money, when you really don’t.

Spending money you don’t have is the number one enemy to saving in my opinion. You are, voluntarily, throwing yourself as a victim to debt. If you can’t afford something to pay it off your budget, then you can’t afford it.

The only reason I ever use my credit card is to set a credit score. So, I make small transactions which I already have the money for it cash. But instead of paying it cash, I use the credit card then I pay off that card loan. I never pay an amount with my credit card that I don’t already have its equivalent in cash.

This way, I set a good credit score for myself while staying away from ever being in debt.

7. Eat Your Breakfast

You’ve probably heard that breakfast is the most important meal of the day for several reasons, but one thing I noticed when I was working a 9-hour day job was that on the days I did not have breakfast at home, I would spend a lot more money at work.

I would buy something to eat when it’s early during my shift and because it usually wasn’t a proper meal or even healthy, I would feel the need to have more snacks throughout the day. And I tend to buy a bigger meal for lunch than what I would normally eat which would be a more expensive meal (and more kilograms on the scale).

However, when I have a proper breakfast at home, I’m never tempted to buy any snacks or junk food during the day. And I’m full till it’s time for lunch.

And since I already started to cook at home, as mentioned in tip #4, I would have a home-made meal to eat for lunch which I prepared the day before. This way I wouldn’t need to spend that extra money on food at work.

Those were the main 7 tips I know that has helped me save more and, hopefully, will help you too!

Till next week, happy days!