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If you go online you can find many metabolic rate calculators that will estimate the number of calories you will burn in a day. This however becomes abstract and doesn’t seem to feel real to many people. I suggest that we look at our daily energy needs on an hourly basis instead of on a daily basis. For example: I went online and found a few metabolic rate calculators and determined that my estimated daily energy burn is approximately 1920 calories per day, or 80 per hour. If I eat something that has 80 cals in it then I know it takes my body 1 hour to burn that off. This seems to be a simpler way to view energy burning and eating. This also makes it more real. If I have something to eat that has 500 cals in it I know that it will take my body over 6 hours to burn that off. You can see that it doesn’t take long to fill up an entire days worth of energy burning in just a few small meals. If you want to eat a big dinner you have to budget for it by not eating much before and/or after that dinner. This way you’ve taken some calories out of your energy bank knowing that you will put them back in during the big dinner. This is the only way that weight loss really works. Eating a big dinner and telling yourself that you’ll work it off at a later date will never work. It’s no different than maxing out your credit card and telling yourself that you’ll pay it all off next month.

This never happens. Instead you end up paying the minimum balance of interest off forever and never manage to reduce the principle balance of the credit card. This is the exact same situation with weight gain and weight loss. Let’s say you gain 10 pounds and tell yourself you’ll diet and exercise it off later. The 10 pounds represents the maxed out credit card. Now if you eat at your BMR you won’t lose any weight, you will simply maintain your weight with the added 10 pounds. In order to get rid of your extra weight you need to make an even bigger payment of your weight debt my under eating long enough to allow your body to burn the 10 pounds off. This is why it seems so impossible to lose weight or pay off a credit card. Making the minimum payment on a credit card will never reduce the balance and just covers the interest. Eating just enough to match your BMR on a daily basis will keep you at your current weight and never allow your body to burn the extra calories needed to get rid of the stored fat. It’s a bit ironic that the two things in your life that require a budget (money and calories) are the two things that most people in North America are terrible at managing. Losing weight is no different than getting out of debt. You have to ‘budget’ your calories just like your money.

Continue reading ‘Budget Your Calories 60 Minutes at a Time’ »

If you have watched the news lately you will begin to see a pattern. That pattern revolves around the unfortunate individuals who are being financially devastated because job loss in one form or another has affected their families. It’s not that many of these hard working people have lost their job that disturbs me; rather it is the fact that almost none of them seem to know how to generate income outside of their jobs. Very intelligent people who have managed to raise a family, buy a home, and raise kids, all of a sudden find themselves out of a job and become paralyzed unable to come up with any legitimate way to make money. This pattern is disturbing because I believe it has taken the independent pioneer spirit that American’s once possessed and reduced it to nothing. Most people have now become mindless robots waiting for the next instructions to come from on high. Today that changes for you because you are about to discover how you can start a business with just one item that you probably have in your pocket right now.

If you are short on cash to invest in your new business, a credit card might be your best friend. Here is what you do; first visit a website that allow you to Continue reading ‘How to Start a Business on a Shoestring Budget’ »

Googling budgeting tips because you’re expecting a massive budget? Whether it’s a new auto, a bigger house, or graduate academe admission that you will need to follow close upon for, Don’t wait for the precise cost to come up before you start reading budgeting tips. Here are the 3 most important expenses of most households, and how you can save money on each one.

Continue reading ‘Budget Insurance- Free Beneficial Resource For Budget Hotel’ »

If you’re feeling snowed under by your debt it may be time to implement the following ideas which will help you manage your debt and be a good start to a better financial future.

Start a budget

I know it sounds like a drag, but starting and sticking with a budget can be the start of a better financial future for yourself. Gather together all the bills from the last few months to give you an idea of what to allocate in certain areas, so you can start putting away some money for future bills now. There are some free online budget tools on the internet so search online for them. They’ll make the job easier and more thorough. Continue reading ‘3 Ways to Manage Your Debt’ »

Day after day we are hearing about the economic crisis that is plaguing our nation. We know that we are not in the same situation like society was in the thirties, but none the less we are scared what the future holds. Many individuals are taking numerous precautions that range from cutting budgets to declaring bankruptcy. Is there an end in sight for this crisis? Or are we doomed to live from pay check to pay check without any luxuries at all?

Many small business owners are optimistic about our economy and feel this is just a temporary glitch in the overall scheme of things. As they say “This too shall pass.” Though many businesses are making cuts and some even folding, it is the small companies that are staying afloat and staying positive that things will eventually get better. These businesses are the ones that will prosper once the economy evens out and the crisis ends. Continue reading ‘Small Business in This Tough Economy’ »

Once again it is that time of the year when everyone is excited for celebrating Christmas. They want this time to be the best one for their family and friends. Whether you have to buy presents for your relatives and family or it may be decorating your house for the occasion. To add that extra zing in your joyous times, you might have to shell out some extra from your pocket.

This sudden rise in expenses sometimes stretches your planned budget. But now you can still rely on a loan specially designed for such times so that you just don’t have to think twice before planning the happiness and smiles of your family. Christmas loans are a one stop solution for people like you to actualize your dream for the perfect event, when you run out of cash. Continue reading ‘Christmas Loans – This Time Make Your Christmas Merrier!’ »