How often do you wash your towel? Some people wash once a week, while some, once a year. The towel is a fertile breeding ground for millions of microbes, especially those found on human skin and on the gut. No wonder the towel is one of the objects that facilitate fecal-oral contamination (literally connecting the two ends of the gut). Worse still, most people keep towels in the bathroom (near the toilet). Every flush of the toilet sends mist with millions of microbes, ranging from H.pylori, salmonella and other deadly bacteria and viruses. When you wash your hands ready for a meal, and dry them with your body towel, there's high chance you are directly ingesting your fecal matter, or, if in a shared lavatory, someone else's faeces. Unless cleaned well, viruses such as human papillomavirus (causes warts, anal cancer and cervical cancer) can be transmitted when towels are shared with infected individuals. So, what to do? 1. Launder towels once a week. 2. Use hot water and det...
When you don’t live within your means, you will find yourself in debts, stagnation, and you wouldn’t make any significant growth as a person.
Living within your means would set you on course to planning your life better and achieving set goals.
How can you live within your means?
1. HAVE A BUDGET
Have a budget, have a plan of how you spend your income. Don’t just spend money — plan how you spend.
Create a list of your expenses for each week or month, depending on how you earn and have a plan on how much that should be allocated for each.
2. TALLY IT WITH YOUR INCOME
Let your budget don’t be ambiguous; it should tally with your income. The aim of the budget is to keep you on track on how to spend your money.
3. STICK TO THE PLAN
The problem with many isn’t really that they don’t plan their money. It’s that they don’t stick to the plan. Don’t just have a plan for nothing; try to live accordingly.
4. KEEP RECORDS
Keep records of your expenses to know where your money is going. Keeping records would give you an idea of how you spend your money.
5. CUT UNNECESSARY EXPENSES
Cut down on things you don’t really need; track unnecessary expenses and reduce what you spend on those items. Avoid splurging and impulse purchases; they would wreck your finance.
Have a list of your needs and wants, and try to spend more on your needs and cut down your wants.
6. SET SAVING GOALS
Set money aside for savings; have a goal to save a certain percentage of your income each month. Save for a future goal and save for emergency — very necessary.
7. DON’T LIVE ON SOMEONE ELSE’S BUDGET
Don’t do something because someone else did it. Plan your life according to your budget and stop trying to impress or imitate people; you will never live within your budget when you do this.
If you want to enjoy a financially healthy life, free of debts, and one you can plan your future, you ought to live within your means.
Living within your means would set you on course to planning your life better and achieving set goals.
How can you live within your means?
1. HAVE A BUDGET
Have a budget, have a plan of how you spend your income. Don’t just spend money — plan how you spend.
Create a list of your expenses for each week or month, depending on how you earn and have a plan on how much that should be allocated for each.
2. TALLY IT WITH YOUR INCOME
Let your budget don’t be ambiguous; it should tally with your income. The aim of the budget is to keep you on track on how to spend your money.
3. STICK TO THE PLAN
The problem with many isn’t really that they don’t plan their money. It’s that they don’t stick to the plan. Don’t just have a plan for nothing; try to live accordingly.
4. KEEP RECORDS
Keep records of your expenses to know where your money is going. Keeping records would give you an idea of how you spend your money.
5. CUT UNNECESSARY EXPENSES
Cut down on things you don’t really need; track unnecessary expenses and reduce what you spend on those items. Avoid splurging and impulse purchases; they would wreck your finance.
Have a list of your needs and wants, and try to spend more on your needs and cut down your wants.
6. SET SAVING GOALS
Set money aside for savings; have a goal to save a certain percentage of your income each month. Save for a future goal and save for emergency — very necessary.
7. DON’T LIVE ON SOMEONE ELSE’S BUDGET
Don’t do something because someone else did it. Plan your life according to your budget and stop trying to impress or imitate people; you will never live within your budget when you do this.
If you want to enjoy a financially healthy life, free of debts, and one you can plan your future, you ought to live within your means.
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