Reduce your grocery bill by planting your own garden.

With people wanting to live a healthier lifestyle, the demand for organic food is growing and grocers are stocking more organic options with as high as 100% mark up. With the economy like it is families are trying to cut back even on their grocery bills. What is a solution? With summer approaching fast, now is the perfect time to plant a garden. Not only will you save ALOT of time and money off your grocery bill but you will have fresh, chemical free produce and it can be a very rewarding work experience for you!

Here are a few pointers when starting a garden:

•You’ll want to choose a variety of vegetables. If you plant only tomatoes, you’ll grow tiresome and this will soon lead to waste of the produce which defeats the purpose of the garden. Grow fruits and vegetables that you know your family will enjoy.
•Your first garden doesn’t have to be a big one. Start off small this way you can focus on being successful and not get overwhelmed.
•To save space, you can plant vegetables that don’t take up lots of room. For example, eggplant and peppers can be trained to grow straight up with support.
•You’ll need to prepare your plot. You must break up and turn the soil. You’ll need to add compost and other organic materials to your local soil. You can find everything you need at a garden center.
•You’ll need at least 8 hours of sunlight everyday and you will need good drainage. Research which vegetables grow in the spring and fall temperatures and which grow in the summer temperature. Some vegetables such as lettuce like the cooler months but can continue to grow in the hotter months as long as they are planted in a shadier spot.
•Make sure to water your garden!!!

Growing and planting a garden can be something fun for the entire family to enjoy together!

For more valuable tips and great information, please visit the Prudent Financial facebook like page at www.facebook.com/prudentfinancial

Reducing stress in the workplace.

When you think of going to work do you start feeling anxious, irritable or depressed? Have you had a loss of interest in your work lately and have constant headaches. You may be experiencing work related stress.

The most common causes for excessive stress at work may be:

· Fear of layoffs.
· Increased work demands or overtime due to staff cutbacks.
· Pressure to meet rising expectations.
· Pressure to perform your best all the time under unfavourable circumstances.

We all need pressure to motivate us and keep us performing at our best. Some stress is good but when we start to feel overwhelmed, we lose confidence and if affects our work. When we start to feel too much pressure we start to experience stress.

Here are just a few tips to help you cope with the stress:

Take care of yourself – If you pay attention to your physical and emotional health, you’re stronger and more resilient to stress. The better you feel, the better you’ll be able to manage the stress without becoming overwhelmed. Aerobic exercise aides in sharpening your focus and relaxing your mind and body. Eat healthy. Make food choices that keep you going and make you feel good. Don’t forget to get enough sleep. Stress and worry can cause insomnia but lack of sleep leaves you vulnerable and stressed.

Prioritize and organize - Stop setting unrealistic goals for yourself. Learn to say “No” when you need to and learn to ask for help when you need it. This is not a sign of weakness. You don’t have to do it all yourself. Make a list of tasks and tackle them in order of importance. Create a balanced schedule. Avoid fitting too much into one day. Take regular breaks. Stepping away from your desk, even for just a moment to clear your head can help recharge.

Smile – Laughter reduces stress. Your emotions are contagious, and stress has an impact on the quality of your interactions with others. When you make the effort to be more pleasant, the people around you become more pleasant and the less other people’s stress will negatively affect you. You should also realize that there are some things that are just not worth stressing about such as things that are already done and can’t be changed.

In this difficult economy, it’s harder than ever to cope with challenges in the workplace but just following a couple simple tips will help in making it easier.

For more tips and valuable information, please visit the Prudent Financial facebook page at www.facebook.com/prudentfinancial.

How to raise financially responsible teenagers!

Children are constantly asking for new toys, the latest video game or the trendiest jeans on the market but what they don’t realize is the effect that spending has on the parents. We must help our children learn to manage money. It’s never too early to learn the value of money. The earlier you teach your child, the more prepared they will be to manage their own money.

As a small child we can start to illustrate what it means to save. Children love to collect coins so a great idea would be to set up a family piggy bank. Educate them that they can save all the coins and then purchase that one toy that they’ve been wanting and asking for as soon as the piggy bank has filled up.

Once your child starts to reach the age of 10, they start to understand the value of a dollar and this could be an opportunity to get them to earn and save money. Allowance is a good way to teach them the importance of earning money. Use your discretion as to whether you’d like your child to earn the allowance through chores or putting a dollar amount on a specific duty such as plucking the weeds from your neighbour’s yard for $10. You will want to help your child get into the habit of putting all or a portion of the money earned into a savings account.

Around the age of 16, many children may have part time jobs and understand how to earn money, spend money and not just through cash. Teach your teenager how to track their spending so that they are not spending more than they earn. Teach them to balance their chequebook. Your teenager is now at a very important age where the decision for university or college has come and the decision to drive has arrived. Take this opportunity to teach them to save for these necessary expenses such as gas or books needed for school.

Don’t forget to teach them the importance of interest. What it means to borrow money against a credit card and how quickly interest can add up.

The most important money lesson comes from modelled behaviour. It will be much easier for your teenager to become financially responsible if they see that you are!

Please visit our Prudent Financial facebook fan pages for a lot more valuable information on managing money and more at www.facebook.com/prudentfinancial.

Bad Credit Loans - A Very Easy Way For Bad Creditors

Money is necessary for every person but sometimes a person is unable to get money he need money to fulfill his necessities but is unable to complete their necessities only because his bad credit score. He can not take any loans while he need to money but now, it is possible to get a loan for bad credit. Loans for bad credit will not give you a worse rating if you require a non-bad credit loan later down the road, and they will get you some money very quickly - perhaps too quickly.

You can take a loan for bad credit instant. If you decide to get a bad credit loan, apply, and then suddenly you get the money the next day, have you really thought out this bad credit loan adequately? Do you know? If no so check all of the other bad credit loan options, or did you just pick the first one that struck your fancy? Many credit-lending institutions have come up with such schemes to help you to pay what you owe with Bad Credit Loans.

A person thinks that his credit score is bad so he can not take loans only he can take loans on high interest rate. But with your bad credit loan - probably more than with any other loan you carry. It's a risk for a lender to extend credit to someone with bad financial history, so they overcompensate with higher interest rates. Rates as high as 15 point over prime, at times. Do you really need to go into more debt asking for a bad credit loan, just to pay off another bill? Isn't there another way?

This can become a big problem if you need more money. To get a bad credit loan from any lender it is a great chance to you to improve your credit status. Bad credit loans give you the opportunity to defeat all your bad debts and increase your credit score, so that you restore your financial status.

This problem is the big problem and it problem create many problems to you. This chain may only become a problem if you manage your bad credit loans poorly, or borrow more money than you can afford to pay off. To avoid these types of bad credit loan issues, ONLY borrow what you can afford - just because the process is super quick, doesn't mean you need to come to a decision just as quickly. Take your time. Research everything well. Talk it over with friends and family. Make sure your payments won't be over your head, especially with all of your other debts. A bad credit loan is a serious thing - don't enter into it lightly.

Perhaps talk to some friends or family first, instead of adding to your debt and asking for a bad credit loan. Maybe if you take this choice, or perhaps try and find extra income instead, you can avoid the whole bad credit loan trap, forever. And with less bad credit comes a lesser need for a loan - and the cycle stops.

What is a Payday Loan?

You may have noticed the abundance of payday loan store fronts across the country. Payday loan companies are part of a $2 billion a year business. What is a payday loan? A Payday loan is a cash loan made against the borrowers next paycheque. A payday loan is also sometimes referred to as a payday advance. You usually have to pay back the loan on or before your next payday.

People with poor credit histories tend to turn to payday loans, but they should consider these facts. A payday loan is one of the most expensive ways to borrow money and they do not improve your credit score.

Payday loan companies can charge up to $21 on every $100 borrowed over generally a two week period. The cost will vary from store to store. Some of the charges may include:

Interest
Processing fees
Administration fees
Late Payment fees
Set up fees
Collection fees
Convenience charges...etc.

While it may be fairly easy to qualify for a payday loan, you are required to prove income, a permanent address and an active bank account. The lenders will also ask you to provide either a post dated cheque or get authorization for direct withdrawal from your bank account.

Payday loan companies will tarnish your credit score by reporting you to a collection agency should you default on payment. If you make good on your payment, payday loan companies fail to report your payment to the credit bureau. Making payments on time help your credit score but because Payday loan companies are not members of the main credit reporting agencies, paying off your payday loan on time will NOT help improve or rebuild your credit score.

Prudent Financial Services has been specializing in repairing credit through open, affordable loans to people with bad credit history.
Prudent is also a one stop centre for all your financing including personal, car loans and home equity loans.
Visit our website at http://www.prudentfinancial.net/ for more information.

True Love is like a Pole Star

True Love -: No body counts true love. Some people say that love is blind yes we can say this because when a person loves another person he can do anything for that person but in some case a person can not do this because of some reason like he has some problem. It is very rare but some people are lucky to find it. If you are one of those lucky people who have found true love, make sure you hold on to it. Never ever make people you love feel like you are using them and that you do not love. This is because they might leave when you least expect it.

However, there are some people who think that they are in love and that there love is true only for them to discover otherwise. True love means that a person loves you more than enough never to let you go. When you need him or her the most, they will be there to hold your hands and to assure you that things are going to be okay. True love will not bolt on the first sign of trouble.

True love means is not that two people say they love each other and can not live without them and after sometimes they forget each other. True love means that if two people love each other they should never tell a lie to their lover. They do not only say it to themselves and the people who are listening but they act on it. True love is never one sided where by one of the person in the relationship loves the other more than the other. It has to be at least equal and if it is not equal the difference should not be too great that is quite noticeable by people who were not even looking. True love is selfless, that is just what true love means.

In my opinion true love is never old it’s always stay fresh. True love never defeat in that person’s life who believes in true love. True love means so many things. Among those things is that true love is all about sharing. People who love each other share things that affect them. They will not also say that something belongs to them and the other person should not touch it. True love will allow you to share each others things. Now here comes the complicated staff. True love though allows people to share things; true love is also respectful of people's possessions. If a person who keep faith in love he never defeat in their life he get success in his life. They will not misuse them in the name of loving each other but rather they will be careful while using their partner's things. They will even ask for permission to use the staff before they even try to get any where near it. So do not hide behind true love and spoil your partner's things and expect them to understand because they love you.

If a person leave you in your difficulties it means he dose not believe in true love and he can never get true love in their life because the place of love in there life is empty. True love means that True love means that you trust each other enough to close your eyes and let your partner lead the way. That means you believe in him or her and you know that they cannot hurt you because they love you. True love never defeat we can say that True love is a “Pole Star” who show the right path to every person who forgot his destination.