Goal For The Green

Para-education and green living information

How To Make A Budget And Stick With It

Jan-8-2018 By Barbara Zak

These days, saving up is becoming the number one priority of many money-makers in the country. Not only do you want to have a good safety cushion in the case of an emergency, but you also want to be able to retire comfortably without having to worry about your funds drying up. Budgeting is one of the best ways to save money, but sticking with one can be a struggle. Keep reading to learn different tips and tricks to sticking with the budgets you create.

Wait To Make Purchases

Kneejerk purchases are a mistake everyone makes when it comes to sticking to a budget, and it’s only getting harder to control those impulses as online shopping makes buying things easier and easier. Many sites these days like Amazon have options now where you can save an item for later. If you see something you feel like you absolutely need to have, try sticking it in the “save for later” folder instead, or bookmark it and revisit it at a later point in time. After the initial urge to purchase something has faded, you’ll be more likely to pass on the chance to drop your money.

Keep Your Budget Flexible

Your financial situation won’t stay the same over time, so why should your budget? Instead of rigidly sticking to the same plan month after month, year after year, try to reevaluate your budget every so often to make sure it’s still working for you. If you’re really struggling to stick to yours, it might simply be a bad fit. Examine your expenses, determine how much money you’re taking in and letting go of, and design something new that works for you from there.

Note How Many Hours Of Work Something Costs

One great way to keep yourself from spending too much money is to reframe the way you think about the money you’re spending. That 20 dollar bill isn’t just 20 dollars. It represents hours of work that you’ve done. Is a movie really worth an hour of your working time? Do you really want to spend 3 hours at work to afford that new pair of shoes? If you start thinking about money in terms of how long it took you to earn it, you’ll likely find yourself naturally inclined to spend less.

Don’t Count Money You Don’t Have

This means after-tax income, bonuses you don’t have yet, or other potential sources of money that are just “maybes”. No one ever really knows if those bonuses will work out, or just how much you’ll be paying or getting back in taxes. Pretend like that money doesn’t exist at all until you actually have it in your hands or bank account, and adjust your budget accordingly. This will make it much easier to stick to, since you won’t have to readjust your estimates in a hurry.

Leave Room For Fun

Any budget should leave a little bit of wiggle room for fun spending. No one person is going to be perfect enough to stick to their budget to the tee every single month. Instead of letting yourself run wild, though, budget in your fun room! If you’re looking for more info on how much you should be tucking into savings and how much “free” money you should leave, there are plenty of online resources that delve into the subject. Generally speaking, the money you save for fun stuff should be what’s left over from your paycheck after you cover your necessary expenses and savings.

Budgets don’t have to be your enemy. In fact, they should be a good friend and an invaluable tool to you while you navigate through the tricky financial waters of adulthood. Try implementing some of these tactics and see what a difference they can make.

For small business owners, every decision is an important one. For responsible small business owners, this means making responsible, environmentally-friendly choices and growing the business in sustainable, sound ways. However, it can be difficult for small business owners to focus on the environment when they’re so busy worrying about their bottom line. After all, entrepreneurship can be very risky, and small experts estimate that half of all small businesses will fail within the first year. Fortunately, there are small, easy, and affordable ways to be more ecologically minded that won’t be bad for business at all. Here are a few tips to help get you started.

Reduce Waste

First of all, take a look at your business and see if you’re not creating unnecessary waste. A lot of paper waste can be eliminated by switching to email or other online communication. Use social media to reach your audience instead of flyers and other paper material. If you’re in the food industry, look at steps you can take to be more efficient, since food waste is one of the most destructive and unnecessary things you have to deal with.

Start Recycling

This is probably the easiest step you can take since most towns, counties, and municipalities already offer some recycling services, both for businesses and for individuals. Find out what recycling programs are offered in your area and do your best to take advantage of them. Separate your paper waste from cans, plastic, and other materials and recycle them at the appropriate facilities.

Use Green Technology

You don’t need to go it alone when it comes to becoming more environmentally friendly. There is now a whole industry devoted to helping people make more ecologically sound choices, and there is a great deal of new technology available to make it easy to be green. For example, Donaldson filtration systems, sold by a reputable company like Green Leaf Filters, can cut down on environmental waste and destruction. Do some research and find out about new technology that can help your small business do better.

Shop Locally

For your small business needs, look around your neighborhood before turning overseas. A lot of environmental destruction is caused by transporting goods across long distances. You can fight that pollution by shopping locally for your business whenever possible. As a bonus, you’ll be helping your local economy succeed!

 

Chemicals and the Environment

Apr-26-2017 By Barbara Zak
Many of us don’t give a second thought when it comes to the laundry detergents we use to get our clothes clean.  As you stroll the aisles of the grocery store looking at different laundry detergents, each one competes for your attention and your dollar. You are left with a variety of different choices without realizing that many of these heavily scented detergents that are supposed to get your clothing clean can leave behind many different problems for both your health and the environment.
Sweet Fragrances Stink…
Before you pick up that sweet smelling laundry detergent on the grocery aisle, understand that no matter how great that linen scented laundry detergent smells, it’s probably not very good for you.   Artificial fragrances are well-known irritants to the mouth, throat, and eyes, not to mention the fact that they can cause flare ups with allergies. To add insult to injury, many of these detergents can be carcinogenic (cancer causing).
A Basket Full of Health Problems…
Many chemicals prevalent in laundry detergents can create a whole host of health problems, even birth defects. Unfortunately, the ugliness doesn’t stop there.  Many of these chemicals have even been known to create problems with the hormones, liver, and kidneys.   The chemical cocktails that go into making laundry detergents do more than clean your clothing.  They leave a trail of health problems and negatively impact our carbon footprint on the earth.
These Chemicals aren’t Nice to the Environment Either
The chemicals present in many laundry detergents can be unhealthy for both our bodies and mother earth. Chemicals like linear alkyl sodium sulfonates (LAS) are harmful to aquatic animals and produce toxic fumes during production.  This is just one of the popular ingredients found in many detergents.  Imagine the damage that many of the other chemicals can do to our health and the earth.  The damage can be devastating given enough time and opportunity.  As we expand our knowledge, we must learn to question everything from the utility pole supplier to the composition of the plastic containers used to package our foods.
Commercial detergents don’t always have our health or the wellness of mother earth in mind.  This is why becoming familiar with the dangers of certain prevalent chemicals found in laundry detergents can be a huge help when it comes to being proactive about your health.  It also helps us to keep our ears to the ground in helping us take a more green approach in or normal day to day tasks.  It pays to become familiar with the dangers that many chemicals pose for our health and the earth.