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Have you been searching everywhere for Aquarius tattoo designs?

I’m pretty sure that being an Aquarian, you have. This is because your tastes are; to say the least, different to everyone else’s! Your astrological symbol is a water carrier & yet Aquarius is an air sign. See, you just don’t conform, do you? As your traits include logic, detachment and independence, you’re not likely to choose a design on impulse.

Your tattoo design must be unique, interesting and complimentary to your lifestyle. So what symbols other than the water carrier have you to choose from?

Take your pick from the following as they are all associated astrologically with Aquarius:

Birds, especially the albatross & eagle.
The colors, electric blue and turquoise
Orchids
Apple blossom
The pear tree
Elderberry
Jugs

The body area associated with Aquarius is the shin and ankles, so some Aquarius tattoo designs should go very nicely there. Maybe you could just have ‘Aquarius’ tattooed there. It goes without saying that you’d like an extensive choice of tattoos to choose from, a tattoo gallery that offers different styles and different designs too would be best. There are some lovely tribal and arty designs around at the moment.

To get a regularly updated choice of tattoo designs, I’ve found it best to join a site that is reputable and guarantees high quality. Just browse through the 1000’s of designs until you’ve found what suits. Then, all you need to do is click on it; it’ll then enlarge so that you can print it out & take it to your tattoo artist.

Don’t know where to go? The best tattoo gallery sites also provide you with a tattoo parlor locater- life just couldn’t be easier!

Enjoy looking at all the Aquarius tattoo designs - You’re bound to find the one for you.

To save you searching the web I’ve found the best award winning online tattoo galleries for you. Check out my website at http://www.paulturnermarketing.com/reviews to discover more & get your hands on 100’s of free tattoo designs.

You who read this, may be an engineer, a mechanic, an inventor, a student, or even someone without an engineering background. My observation is that the general public has little knowledge of basic science and even engineers and other professionals often lack in basic insights, in spite of being advanced in their specific fields. This often leads to unfeasible projects and wrong choices, based on wrong assumptions, that no computer can correct.

I myself am a graduated engineer on B.Sc level in both mechanics and electrics. Nevertheless, most of what I know worth knowing as an engineer today, I learned from practical experience and backing it up with own theoretical studies afterwards. It forced me to focus on basics. When you have the basics right, the rest is just methodology, where the computer can be very helpful, but don’t let it “think” for you!

If you have no engineering background, why would you need to have some basic knowledge of all this, you may ask? Well, we live in a technological society and so we are confronted with technological matters and products, that we need to understand the basics of to make proper choices. Ever bought expensive “energy-saving” lamps, while in the same time needing to heat your home? Do you think hydrogen and/or fuel cells are energy sources? Do you think energy can be produced and consumed? Would you invest money in solar panels, or other renewable energy technology for your home? The more these kinds of things apply on you, the more you need to read this article.

The Laws of Newton

The metric, or SI system of units is based on the laws of Newton and so is most of modern mechanics and dynamics. They are essential for basic understanding:

• 1. A mass object persists in its momentary motion to speed and direction, unless it is forced to change it by external forces working on it.
• 2. The acceleration of an object is proportional with the force F working on it and inverse proportional with its mass m. Hence, the acting force is given by: F = m.a
• 3. A force acting on an object, will yield a counter force of the same strength in the opposite direction: action = reaction.

Although these laws sound simple, they are often wrongly applied, or overlooked. Especially the third law appears to be the most fundamental one, still not fully understood by Science and subject for discussions on the highest levels (how can you move a table for example, as it pushes back with the same force?).

Power and Energy.

Power and energy are very often mixed up. For example a lightning, causing a tree to split into half, is very powerful, but it has very little energy, because it lasted only a fraction of a second. Energy is the range of power and time. Power is expressed in Watt and energy in Joule - 1 Watt thus is 1 Joule per second, inversely 1 J = 1 Ws (Watt second). If you during one hour would apply a power of 1000 Watt (1 kW = 1 kJ/s), which approximately is what a flat iron takes, the energy involved is 1 kWh and this is thus equal to 3600 kJ. If you instead would develop that energy in one second, the power becomes 3600 kW, or 3.6 MW - a small power plant! If thus a lightning would have a power of say 10 GW and lasted 1 millisecond (it looks much longer, because of the glowing air around it), it contained an amount of energy of just 10 MJ = 10,000 kJ, not more than 2.8 kWh, or to power a flat iron for around three hours! If you in brochures would read dimensions like kilowatt per hour, or horsepower per hour, you can know that the author has no idea what he/she is talking about.

Energy is also the range of force and traveled way. If you lift up a mass of 1 kg to a height of 1 meter, the force needed for that is the range of mass and gravity acceleration, as per Newton’s second law. On Earth, gravity acceleration is 9.8 meter per second square, which we can round to 10. The lifting force then becomes 10 kilogram meter per second square, which is called the Newton (N) and the work done is then 10 Nm (Newton meter), which is 10 Joule: 1 J = 1 Nm.

The same confusing exists around temperature and energy. What would you rather have in your hand, a 1 inch red glowing sewing needle, or a 4 inch red glowing bolt? Though both have the same temperature, the needle will just cause you a blister, whereas with the bolt, you won’t have a hand any more. The bolt contains much more energy (more mass) than the needle and that makes the difference, not the temperature.

If you would be interested in a solar panel to heat water in your home, the temperature it can yield is therefore not that important. You pay for energy instead and that is what you want to save on. Ideally, a solar water heater should work on a low temperature, so it doesn’t loose too much heat through its insulation and produce a larger water flow instead. You then save more energy = money, because of the higher efficiency on which your solar panel works. To reach your desired water temperature in the kitchen and bathroom, you can heat additionally with say an electrical heater. Combination with a heat pump, also taking up heat from your warm waste water, would give the absolute best results (but high installation costs). Read more about that at the end of this article.

However, manufacturers of solar panels optimize on temperature, which is a good selling argument for the energy-unaware public. At higher temperatures, the size and thus the costs of the whole installation, including storage tank, become lower, which also sells better. They don’t talk very much, or at all about efficiency, being the relationship between how much solar energy hits the solar panel and how much of that you can use in the end. They talk about capacity instead - solar energy is “free”!

Next to consider is Pressure. Usually it is that of a fluid, like a gas. It is expressed in Pascal (Pa) which is force (N) per unit of area and thus 1 Pa = 1 N/sqm (Newton per square meter). Atmospheric pressure at sea level is roughly 100 kPa, thus 100,000 N/sqm. In technical descriptions it is also often called the bar - 1 bar is thus atmospheric pressure. Pressure can also be seen as stress in materials, tension. In the SI system of units, pressure and tension are thus both expressed in Pascal.

Then there is contact-pressure. This is what makes a knife work. The sharper a knife, the smaller its edge area (A) is and for a given force (F), the contact-pressure (F/A) becomes larger, also expressed in Pascal. With this, all units in the SI-system are given. It has only three basic units, the kg for mass, the meter for length/distance and the second for time. No conversions are needed

Circular Motions.

From Newton’s third law follows the perception that on an object in mechanical rotation, two forces are working, a centripetal one, pulling the objects towards the center of rotation, and a centrifugal one, tending to push it out radially away from that center. If the mechanical contact with the center of rotation suddenly is broken, in that very moment no forces are working on the object any longer and thus it will move as per Newton’s first law, meaning it keeps its speed in the direction it had in the moment just before losing contact. That speed was directed tangentially and thus the object will “fly out” in the tangential direction, not radially. In fact, centrifugal forces do not exist, because then there would be no resulting force to keep an object in its circular path - only the centripetal force exists. This is a hot discussion point in Science - Newton’s third law.

Hence, when you are in a car that makes a sharp curve, your body does not push against the inside of the car (centrifugal), but the inside of the car pushes your body into the curve (centripetal). As per Newton’s first law, your body wants to keep its direction of motion, straight ahead, just before entering the curve - it’s called inertia. There is only one force, the centripetal one (free motions in gravitational fields, such as orbits of planets and satellites, are described in General Relativity, which we won’t discuss here).

From this follows the notion of “inertial” systems, which are frames of reference in which Newton’s laws are valid. An accelerated system is thus not an inertial system, because motions described in it, would not follow Newtonian laws. This causes a severe point of confusion, as follows:

If you are an inventor of “fantastic” mechanical machines, your really should understand the implements of impulse. Impulse (p) is the amount of motion, being the range of speed (v) and mass (m), which is equal to the range of working force (F) and the working time (t): F.t = m.v = p. An impulse has a direction, which (kinetic) energy has not and therefore impulses can have a positive or a negative sign between opposite directions of motion. Because impulse is a function of force (the time-derivative of it), Newton’s third law requires that the sum of all impulses of moving components within a system (machine) must be zero. However, many inventors, not being aware of this, “create” a resulting impulse, that accelerates the system.

What they do is mixing up reference systems and impulse with energy. If you consider a mechanical system (machine), that has a certain total mass, but also internally moving parts, the resulting impulse of those parts, the sum of all impulses, will be zero relative the system’s center of gravity, but not necessarily relative a resting frame of reference (an observer) in which the whole system (machine) may be moving (at constant speed). The sum of kinetic energy of all the internally moving parts, is of course a positive value (negative energy is less than nothing). This value is the system’s internal (kinetic) energy. Since this internal energy is needed to keep the internal parts moving, there cannot be any energy left to accelerate the system (machine) as a whole. On the contrary, energy must be applied all the time to overcome the friction that the internally moving parts are subjected to, otherwise they would come to a halt. This applied energy converts to heat.

Sadly, there are several patents on according designs, claiming to be “inertial drives” for space-ships or whatever. Their inventors, some of which may have ruined their private economies on this, were not confident with the basics of dynamics, as outlined above. See some of those unfortunate examples here: http://jnaudin.free.fr/html/IPEmain.htm

Mechanical Engineering Concepts

Now, imagine you had a ball that is perfectly spherical and a table that is perfectly smooth, so when the ball is placed on the table, the contact area becomes a dimensionless point - zero whatever. Then the contact-pressure F/0 becomes infinite, regardless how light the ball is - something must break. No material could withstand an infinite contact-pressure and from this follows that not even with the most fantastic materials, yet to be developed, a frictionless machine could ever be built (that would require ideal point and line contacts).

Some inventors have a problem with that, like a patent I once saw, where a 15 cm (6 inch) diameter cylinder was rotating at 1500 rpm in a somewhat larger cylinder, supported by a number of smaller rollers in the size of just a few millimeters - it looked like a ball-bearing in cross section. These rollers would rotate at roughly 50,000 rpm. You look in any bearing table what the admissible speeds are and you would see that this design exceeds the limits by far; self-destruct through friction!

Another problem that many inventors have is judging leakage potential. Leakage is a function of pressure ratio, not of pressure difference and it varies to the third power with the clearance gap between the boundaries. It means that the same sealing device, that would leak in an however deep submerged submarine, would leak more in a space craft, because there the pressure ratio to vacuum is infinite - many don’t seem to know that. In addition, even less known, is that the best sealing is obtained with a single, unbroken sealing line, ideally a circle.

Therefore, the reciprocating circular piston machine will always prevail over any rotational displacement concept, that contains several broken (discontinuous) sealing lines. These rotational concepts can be used and are used in low-duty applications, where they have their advantages, such as in air-driven hand tools, industrial compressors, etc, but not in heavy-duty combustion engines. This is why the Wankel never became commercial, except a few years in cars from German NSU, that went bankrupt on it in the 1970-ies.

One can see the most ‘horrible’ designs in various patents, the worst I saw being an engine, consisting of a torus shaped tube, with a slot over its inner length to let through a piston rod, attached to a circular piston moving in that torus, while flat plates were sliding radially in and out the torus to form alternate compression and expansion chambers - at best a good cream-wiper (but it got a gold medal in an inventors contest - its glorious funeral)!

Many inventors have tried to find a linear transmission, that can replace the pendulous crankshaft. It has various disadvantages, such as causing vibrations of higher order, but most of all causing side-forces on the pistons, resulting in excessive wear and leakage there. I once read a statement from a development manager at Volkswagen in Germany, that the crank mechanism alone stands for 20% of the fuel consumption. All alternative designs I have seen, indeed convert the linear piston motion into a rotating one on the shaft and without causing side forces on the piston, but instead they generate the same or higher side forces on sliding parts elsewhere in the design, causing excessive friction and wear there - definitely no fuel savings. I have found a design that does not contain any sliding parts, but consists of rotating components only (I got the idea, when I was with my kids in a merry-go-round). Had I only come up with this a good 100 years ago, I could have made it, but now the pendulous crankshaft is so well established in automated production lines, that it can’t be changed any more. I almost hade it made with Compair-Reavel in the UK, around 20 years ago, but also they found it in the end too costly too change their production line - my bad luck!

Thermodynamics

Another basic thing, often misunderstood, is that energy can’t be “used up”. Surely, the gasoline you put in your car is used up, but the energy it developed is still there, to stay around for all eternity. All the chemical energy that was stored in the original fuel, is converted to heat. Firstly at high temperatures in the car’s engine, but then decaying to heat at ambient temperature. The rest is also converted to heat by friction, the tires on the road, the transmission, air resistance, etc. All energy that we “use” with our technology, finally decays to heat at ambient temperature, even the light from your lamps at home does that.

So is there the term “waste heat”, as opposed to “useful heat”.What is useful? Take “energy-saving” lamps for example. If you live in a cold climate, where you have to heat your home, a normal cheap hot glowing light bulb actually delivers 100% useful energy, 5% of which is light, the rest is heat, that helps heating your home, but this is not what you are told. Only the 5% light is brought forward as “useful” and you are told that you are “wasting” 95% with a normal glow bulb. Only in warm climates, especially third-world countries with very expensive electricity, or in cooled rooms, the use of energy-saving lamps makes sense!

The misconception by the public is that useful energy is “consumed” and waste energy is not. The real situation is that the useful energy is just used, but not “consumed” and is wasted after usage just the same. That’s why your energy bill comes back every month - nothing of what you used, is left. Therefore you read everywhere about “energy production” and “energy consumption”, not in the least used by decision makers in energy politics! It indicates that there is no basic understanding in public society, what energy is about and so unfeasible projects are initiated, wasting time and (your tax) money.

The First Law of Thermodynamics says that energy cannot be created (produced), nor destroyed (consumed). We can only convert energy from one form to an other and the Second Law of Thermodynamics says that it all finally must decay to heat at ambient temperature and so it does. Even though many know this, that is end of story for them, as far as the First Law is concerned. However, the scientific definition of the First Law says that if you add energy to a system to bring it in an other condition, you must remove the same amount of energy to bring it back in the original condition. Naturally, because if we could remove more, energy would be created from nothing and if less, energy would disappear into nothing. This formulation has great consequences, as follows:

Let’s consider an ideal hydrogen (water) engine, by which we pour water in it on one side and the same water AND useful mechanical energy comes out on the other side. Because the engine returns the same water as was applied (firstly as steam, but than condensing to water at ambient temperature), there cannot be a net output from the engine - it would have been created from nothing. If there is an output anyway, this means that the according energy had to be applied as well, not only the water. Indeed, we must apply energy to split the water in hydrogen and oxygen. If that could be done at an efficiency of 100% (electrolysis has only 60%), then that energy could appear as mechanical work on the shaft. This then means that the hydrogen only was an energy converter, definitely not an energy source!

Hydrogen does not occur in free form on Earth, like fossil fuels do and therefore hydrogen can never be an energy source. Give me a dollar for every article that says different and I will be well off!If there would be a method to obtain free hydrogen at considerably less energy input than what combustion with oxygen gives in output, yes, then it would become an energy source, but such a method has not yet been found.

Instead of splitting water, hydrogen can be obtained from natural gases, such as methane. It shows however that the overall efficiency of such a hydrogen loop in a combustion engine would have a somewhat lower overall efficiency than using the natural gas (or bio-gas) directly in a combustion engine. Moreover, hydrogen is a very tricky gas to store and to handle. Not only is it very explosive, but it tends to exude through most metals as well. It is very voluminous, around ten times more than air and thus needs to be brought on high pressures to keep the volume down and that takes a lot of compression energy. Liquefying it would even take more energy, plus a temperature problem for storage as well. There are materials that can absorb hydrogen gas at a lower temperature and give it off again at a higher temperature, surely the better way, but also not very cheap and practical in a distribution system. All together, there is no economy in hydrogen engines, but it may have an environmental advantage - the only viable argument for using it, provided the consumer wants to pay the higher costs, do you?

The same can be said from fuel cells, working on hydrogen - they produce water (steam) and need a steady supply offresh hydrogen and oxygen to work continuously- whereto get how? Yes, the energy that fuel cells are supposed to “produce”, originally came from fossil fuels to manufacture the input hydrogen. Can we call that “non-pollutant” energy? A fuel cell is NOT an energy source, just an energy converter.

The importance of using spontaneity in physical processes is largely unknown, because it has to do with entropy, something not explained very well in schools. So I had to learn in practice, by trial and error, that if you want to separate fluids from each other, you must try to find a design by which this happens as spontaneously as possible, for example with “smart” piping, rather than using filters. The more you try to force it about with various design details, the more you will lose in efficiency - you “produce” entropy as it wrongly is called. The more you force about a process (introduce “irreversibilities”, as it is called correctly), the greater the change of entropy is, the lower the efficiency becomes. Entropy is an essential part of the Second Law of Thermodynamics, not to say the whole of it, but yet there is no general agreement among scientists, what entropy actually is - very confusing.

The Second Law is actually not a “real” law, because it is based on observations only, not on any physical principle. This means that if the observations would change, the Second Law would have to change too, but this hasn’t happened yet, which makes it a law. In everyday life we experience that most things don’t happen spontaneously, only accidents, or coincidences in general, do (”Murphy’s Law”). If we want things to happen, we usually have to do work for it. Hence we could formulate the Second Law as: “for free only the Sun goes up”. On the internet, this formulation of the Second Law is widely violated by millions of web sites, trying to let you believe that for a small investment, you can become rich very soon. But that is not engineering (rather “religion”), so I leave you with that.

In engineering, especially when it comes to renewable energy sources, the Second Law is also widely violated, or rather ignored. Oh yes, solar energy is free, but you can’t use it for free, why not? Because it is widely spread in Nature and thus the effort to collect it into one point of usage and to present it in a usable form, is very large and you have to pay for that effort. Using fossil fuels is cheaper and easier and that’s what we do instead. The same would be valid for nuclear power, but there the “environmentalists” have been successful to obstruct it - with thanks from the Arab oil sheiks.

Renewable energy is something the Second Law is very much against, because it wants to spread it out in the environment, not to collect it for our use. Therefore these renewable energy sources are high-entropy ones, meaning you must do a lot of work to make use of them (low efficiency). There is one exception though and that is hydro-electric power. The forces of nature actually do all the work for us, by collecting rain water in high situated reservoirs, ready for us to use; they are low-entropy sources. But also here the “environmentalists” choose to favor the oil sheikhs instead.

Next would be heat pumps, which are inverted refrigerators. A heat pump absorbs heat from the environment, usually from the ambient air, by generating a cold surface there. This surface is small, but it actually collects heat from large, remote areas, brought by the wind. Also here, the forces of nature do the collecting work for us, a second exception on the rule (compare with a storm blowing aside of your wind propeller, without affecting it, or the Sun burning a hole in the ground next to your solar panel, also without affecting it).

The heat pump, as the name says, pumps up the ambient heat to a higher temperature that we can use, for example to heat water. Also its drive power is given off as heat at usage temperature, is thus no loss (where it is in a refrigerator) and so a heat pump can give off between 3 and 4 times more energy than what it takes to run it. If all the billions of dollars that to date and ongoing are wasted on wind propellers and solar collectors of various kinds, would have been used to provide all households with heat pumps, many power plants could have been shut down by now and no more oil would be burned in homes for heating. This however is a truth with modification. A huge polluting industry, likely using fossil fuels, would be behind all those heat pumps, but that would be the same also for wind propellers, solar panels and the production of hydrogen and fuel cells, all having to be financed by the consumers and making profit as well - the Second Law all right:”For free, only the Sun goes up”

Rudolph N. J. Draaisma
CONSULTING ENGINEER
Online expert advice for your best solutions, against a small fee for short-term issues.
Expert on Energy Conversion & Recovery Systems
also providing: CAD drawings, Techn. Documentations, Calculations, Translations, R&D projects
The Alternative Energy and Engineering Site

Within just a few weeks it will transform your life; No more stress or sleepless nights, you will be happy and life will be fun again.

This is NOT a get rich scheme (SORRY THERE IS NO MAGIC FORMULA).

(STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealthy. The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy.)(SORRY but that is the hard truth).

Quote from the course:

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

Are you in Debt? we receive many e-mails asking if an internet, e-commerce business can transform debt into wealth. We cannot promise that, to start any business takes commitment, you must be focused and have a business plan, set key objectives. You also need to have time to develop your new business.

If you are in Debt, you are often under pressure from your creditors, stressed. First consider you priorities:-

- Would you like to pay off your mortgage?
- Would you like to pay off your bank overdraft,loans and credit cards?
- Follow our plan, clear your debts, and become financially independent. (THEN you can move to the next level how to become wealthy).
- You cannot wish to pay off your debts; you need the commitment and the WILL to make it happen, which will require changes to the way you control your money and your spending habits.

Create a new future, turn debt into wealth:

Course content:

1. Step one make the commitment.
2. Actions that will move your bank account into the black.
3. Golden rules to success
4. Review your current financial status.
5. Were you ever taught how control your money?
6. Money makes money, your key objective to get debt free.
7. Why do we fall into the credit card trap?
8. Those cards must go. (High interest crazy)
9. You must operate on a cash only basis. ( you will quickly see the benefits, it is amazing the extra money it creates)
10. HP the monthly payments that cause you worry and stress.
11. Now you have the mind set to pay off ALL your debts.
12. Manage your spending. (Impulse buying will blow your plan right out of the water)
13. Being in debt can be due to bad luck; however, it is far more likely to be our own fault, failing to manage our finance.

The Golden rule, NEVER spend above your means, which includes loans credit cards, over spending on luxuries, cars, holidays, entertainment, drinking, smoking.

Evaluate you current spending habits, YOUR OBJECTIVE to clear all debts, have money in the bank, plan to make money and ensure a new future. Eliminate stress, worry, and depression. Freedom happiness and wealth is NOT just a dream. YOU CAN DO and YOU MUST DO IT. (Develop that mind set believe in yourself, do it for your family and for your well being and health).
We have set the scenario, now we take one-step at a time and make it happen.

Above all, you must be honest, with your personal assessments; you must also be realistic, DO not set impossible goals.

Step one make the commitment

You are about to take the most important step to clearing your debts and achieving personal wealth.

1. I am totally committed to following the advice in this manual, I will make changes in attitude and the way I manage my money, necessary to achieve my main objective build a debt free and wealthy future.

2. In order to plan your systematic recovery and transform debt into wealth we need to put our cards on the table, hide nothing, be honest and complete the following questionnaire.
Please complete the following questionnaire.

It will provide the status of your current financial position. (sorry in this format the table forms do not work, it is better if you are working with the correct forms/ tables ( read on once you are committed to giving it your best shot. you can go to our web page and see the FREE course complete with forms)

No Answer the following questions (Truth only) Yes or No YES NO

1 Do you carry you credit card balance over each month
2 Do you have more than three credit cards that on the upper limit
3 Do you ever use one credit card to pay debts or pay off other cards
4 Do you only pay the minimum payment on credit cards each month,
5 Have you reach your maxim limits on all your cards
6 Are you are struggling to even make the minimum payments
7 Do you have more than 10 years to pay on your mortgage
8 Do you have your car on a finance agreement
9 Have you taken out a second mortgage to pay off debts
10 Are you planning to buy a new car
11 Do you have personal loans, bank over drafts
12 Do you have store cards to purchase goods
13 Are you living beyond your means, struggling every month
14 Have you ever had your services turned off for non payment
15 Is the stress and worry causing health problems
16 Is the debt having an impact on your family relationships
17 Have you tried to find ways of earning more money
18 Are you under extreme pressure from your creditors
19 Are you considering bankruptcy
20 Are you in trouble with the bank or mortgage society

Now we face the decisive moment.

Total all the “YES” numbers

If you scored, 4-0

Not too much to worry about we can soon have you on the way the wealth and happiness.

If you scored, 8-5

You need to review your spending and focus on your options to make money.

If you scored, 13-9

You are managing to pay your way; you earn the money then have to pay it to your creditors (high interest). You need to concentrate on reducing your debts by controlling you excessive spending. Implement our debt payment scheme so you have spare money to invest, use you income and spare money to generate wealth.

If you scored, 17-14

You are on the ragged edge, struggling to pay your way, urgent action is required to stem to flow of outgoing money, consider every penny you spend do you really need to buy new clothes or have that expensive evening out. Focus on channeling the money saved to pay off debits, review the debts that are costing you high interest and pay them off. Once you see the benefits, your recovery will gain momentum.

IF you are 20-18

You are clearly deep in debt, you must be unhappy worried and stressed which will effect your well being and health.

We will help you get back on track, however it will take commitment by you and all the members of your family and you need to cut your spending. Put a plan into place to pay off the most pressing debts. NOW you need the WILL to implement the advice we will give you. (Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

Learn from my mistakes:

Speaking from experience, I went to university attained a MBA you would think that I have developed the self-control to monitor my spending and invest my money wisely. NO! I did not I was spending more money than I was earning clothes, cars, holidays, living on my credit cards for a few years I had a high old life.

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

OK it was my fault silly middle class girl who over spent. Why was I such a fool? Well we all want material things. We associate fast cars, designer clothes, with happiness. And fall into the trap of the media and the advertisers, to the offers of credit cards and loans.

I cannot recall any of my family or tutors teaching me the importance of being in control of financial affairs.

Now there are hundreds of ways in which we can fall into debt, I was a miss - guided fool. With many, it is bad luck, ill health, out of work, family problems. They wanted the best for their children.

The objective is to review the status, then formulate a plan transform debt into wealth.

1. Control Spending and credit management.
2. What to do with our salary (Money in / Money out)
3. Make changes, plan a new financial life.
4. Learn how to invest money, or develop a business.
5. Consider the future, pensions and retirement.

First, we will talk about the positive aspects of life and future. We all dream of winning the lottery, becoming millionaires over night. (It will not happen) The fact is if you do spend £10 per week on the lottery or the football pools. That is £520 pounds a year, invested weekly with compounding interest at 8% would provide you a substantial amount of money by the time you are 65 years old - depending on the number of years. On average for most people it would be well over £500,000.
Most of us will earn well over a million pounds in our life time, for example if you earn £30,000 for 40 years that is £1,200,000.

However, the sad fact is most people have no idea how to save or invest money, they give all they earn to banks, credit cards, loans, and high interest is hard-earned money lost forever. (Crazy but true).

If you are living on credit than you are giving away a high percentage of your money, money that, you could be investing and being paid interest.

STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealth.

The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy. (SORRY but that is the hard truth).

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

We now need to first motivate you, set key objectives and realistic goals.

We all have different life styles, often based on the salary we earn.

The rule the higher you fly the harder you fall. Applies:

If you live in a large expensive house, you will have much higher mortgage repayments. Top of the range BMW, you impress no one every one knows you are living on credit.
Therefore, before you try to impress with a new swimming pool or ponies and motor bikes for the children, stop and think can we afford to do this, would we be better to wait and pay cash. (Of course you would you know it makes sense).

If you are the average person, living in a three-bed semi, with a second hand car, and are a hourly paid worker, maybe in a factory or in the construction industry, the same philosophy applies. Yes it would be nice to impress your family and friends with a tan from a expensive holiday or a top of the range car, believe me they will only be impressed the first time they see it. You will be the one faced with 3 years of HP repayments, higher insurance, and the cost of fuel.

OK I know what you are thinking every one has a mortgage has credit cards and debits, Stop because you are having negative thoughts, NO it is not OK to be in debt, it complete madness and will never make you happy it will only bring you worry and stress..

Therefore, no matter what your station in life is the same principles will apply.

We are taking time to outline the reasons most of us find ourselves in debt, because if you can not accept there is a problem you cannot take the actions required to eliminate the problem (In this case debt).

We could show many examples of credit cards. They make it so easy, you always spend three times more than, if you were buying cash. Then the situation gets even worst, let us assume you have four credit cards, average interest 16.9% they have a combined outstanding balance of £5,200. If you only pay the minimum monthly payment = to 3% of the outstanding balance it will take you 20 years to pay those cards off and your payment would total £9,720 - work it out you have paid them £4,520 interest.

You know in your heart that you get a much better deal paying cash, often a lower price and you pay NO interest.

OK we never promised a magic over night formula, we did promise the plan that WILL take you from debt to being wealthy.

Key Objectives:

• STOP —using credit NO loans or credit cards, now you are 100% cash. Think before you spend, do not buy until you have spare cash.
• This is NOT an option, if you are at present deep in debt, you will realized, the high life is over. You will be receiving legal letters. If you do not stop using credit, then you will reach a point where that decision will not be yours. Because once you are exceeding the limit on your cards and fail to make the payments, the credit card companies will put you on stop, and immediately inform the credit agencies. Then you are really in trouble, all the other loan companies credit cards will follow suit quickly. Your bank will also withdraw your over draft facility and monitor you account as high risk.
• Cut up those credit cards. Use only cash, and only when you have spare cash, you need every penny to pay off your debts. You must learn to live a cash based life style.
• Pay off ALL your debts including mortgage, ( we will tell you how to do that in the shortest possible time)
• Learn to invest ALL spare money wisely, your main objective will be to generate wealth,
• Phase 1 set aside money in your emergency saving fund.
• Phase 2 Focus on building long-term retirement wealth, we will guide you to save investment that will generate income without the need for you to work. (You will have financial freedom) Enjoy life travel, play golf, go fishing. Have fun been happy.
• Now in the first few years you are going to throttle back, drop out of the fast lane, no more living on credit and accumulating debts that will eventually bring you crashing down, maybe cost you every thing house, car, family. (That would be devastating)
• Work hard for real freedom and independence; soon you will be the one being in charge in complete control of your own destiny.
• Simple rules, cash only, no loans, no more monthly HP agreements.
• Your family and children will need to understand that from now on all spare money will go to pay off debts. ( Hard to say no to a tearful little girl who wants a new play station game) Still a lot better than telling a teenage daughter, we are going to lose the house because we have not paid the mortgage.
• OK this is not rocket science; it is just plain common sense. You can dream and it is important to have the vision that in 5 years you can be completely debt Free.

The plan:

Prioritize your debts, (we will provide the formula).

List All your creditors ( Debt is money you owe and are legally committed to repay) (Expenses = Money you pay out each month for Gas, Electricity, food, petrol, take items that you pay every year for example car insurance, and divide by 12).

First, clearly understand how much you actually owe, what rate of interest you are paying.
Complete the following work sheets designed to help you and your family to understand where the money going. Invite innovated think and ideas as to how you could save money.

(A) Monthly Living Expenses

Living Expenses Actually cost Saving

Rent
Council Charges
Electricity -
Gas
Telephone / internet
Water Rates
TV company ( Sky)
Food (total for every thing)
Entertainment.
Children Pocket money
Car expenses
Car 1 petrol (only)
Car 2 petrol (only)
Maintenance
Road fund Tax
Insurances
Home insurances
Medical Care
Children’s Education Expenses Books Tuition etc
Clothing and Miscellaneous
Other expense

Total

(B) Major Purchases - over 12 months divided by 12

Holidays
Car purchase
Major House improvements
New Furniture
New Kitchen equipment
Garden plants tools
Gym or Golf club fees
Season tickets
Recreation expenses
Miscellaneous expenses
Cash spent ATM etc
Total C/f to summary

(C) Debt payments

Name of Debt Total

Balance Monthly Payment % interest Full amount or min

Mortgage
Second Mortgage
Car Loan 1
Car loan 2
Bank Loan
Over draft
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Other debts

Total C/f to Summary
(D) Monthly Income
Monthly take home salary
Second income
Benefits DHSS
Pensions
Part time job
Internet income

Total C/F to Summary

Totals carry forward

Personal Financial Statement - SUMMARY the points of reckoning, you now need to insert you figures.

E.g., total income - total Living expenses- total debt payments.

Which we hope will give you a positive result, e.g. more income than outgoings? Referred to as disposable income a true measure of your current capacity to decrease you debts and increase your wealth. Taking these initial steps should have provided you with the base information to empower you and your family to focus your efforts and give you the means to measure your progress.

It is important that you share this information with your family.

Depending on the result of Income (- outgoings) your objective will be to ensure that you have a minimum of 10% of your total income as disposable income, that is the money you are going to use to clear your debts in order of priority.

It will depend on your original check on status if you were in the 18-20 range then the figures may indicate that you have debts and expenses that exceed you present income.

If this is the case, you have NO option: You must cut your spending. All luxuries, none essential expenditure, holidays, two cars, smoking, drinking, golf club, gym, entertaining, clothes, furniture, children games, garden plants flowers. In place of golf the gym going to the pub, find spare time work earn more money.

If you DO NOT TAKE THESE ACTIONS NOW, you WILL lose your home, you will face bankruptcy. This is the hard line truth.

Total income
Total Living Expenses=
Debt Payments
D - Total of AB&C =
Disposable Income

Right now your head will be spinning, you were expecting an easy way out, there is no easy way out it takes total commitment.

We did warn you TOTAL commitment.
NO MORE CREDIT CARD spending
NO MORE LOANS
NO MORE impulse spending
NO MORE Holidays (Until you are clear of debt)

You are now on the road to recovery, you are going to transform you debt into wealth.
You first step was to create disposable income = Income minus outgoings.

Your starting point should be 10% your monthly gross income.

Write down each debt in the first column 1, total balance in column 2 the minimum payment in column 3, then you divide the total balance by the monthly payment, insert the answer in column 4.

Next, you need to prioritize your debts in column 5 Start with the lowest division answer in column 4 until they are numbered.

Column 6 that is where you start to see the benefit, to show the debts as they are cleared (Paid off).

To know how many payments to pay off: You divide column 2 by column 6 = the number of months in column 7.

First you use your disposable income to increase the payments on debt 1, what will quickly clear that debt, at which point you now have even more disposable money all off which you use to accelerate the payment of debt 2, as each debt is paid you roll it over to really accelerate the payment on the next debt. Once you pay all debts off, then you have ALL of the disposable income to invest. Now you have gone from debt to building wealth.

Invest wisely NEVER go back to credit cards or loans only live on a cash basis. Moreover, plan for retirement.

Name of Debt Total
Balance Monthly
payments Division
Answer Pay off

Priority Additional monthly payments Months to pay off

Column 2 = total debt £————————

Column 3 = Total Monthly payments £————————
We trust that you can see the philosophy, and the benefits of using ALL your disposable money E.G. Income minus outgoings to accelerate repayment of your debts, then the amazing acceleration that takes place as each debt is written off you have extra money to pay of the next debt ( In order of priority).

This is a WIN -WIN situation, once you see it actually working and no more creditors chasing for money, do not relax maintain total commitment this is not just about clearing your debts this is about a new life, (CASH ONLY).

In just a few years, you will be in a position to create wealth for you and your family. You will have taught your children how to manage money, never to worry about you future again.

Now you will really have the respect of your piers, friends and family. You will own every thing the house, cars. Take that five star holiday all paid up front CASH.

I wish you good fortune;

If you need further help or would like the Excel forms to monitor and record transactions FREE please do not hesitate to contact us.

Your Faithfully

Kenneth Yearsley

(Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

Learn from our mistakes: (It take WILL and commitment, but will change your life for ever) if I can be of any assistant please contact us: (It is free genuine no sign up or sales pitch ) ken@makemoney.us.com

FINANCES: CREDIT CARDS AND LOANS

1. Create a budget and be realistic about all your incomings and outgoings. Make sure you know exactly what money you have and when you will have it. This will help you plan for events such as birthdays or holidays when you may need a little extra cash saved up.

2. Make sure you are getting the best possible interest rate for your savings, opening an online savings account could receive a higher interest rate than a regular current account.

3. Missing your credit card minimum payment dates will hit you with a big charge, so set up a direct debit payment to make sure you never miss the date by accident.

4. Lots of credit cards now offer cashback or points on your purchases or gift vouchers when you first sign up, so make sure you shop around before choosing your credit card. However don’t just choose a card because of a one off benefit, you have to look at the overall package.

5. Don’t be scared to transfer to another credit card with an interest free promotional period as lots of credit cards offer this now. However make sure you transfer to a different one before the promotional period is over as you could be charged with a higher interest rate once it has ended.

6. Keep your credit history healthy- this will make it easier to transfer to different credit cards when you need to.

7. Don’t sign up to department store credit cards even if they do offer you 10% off your first purchase, they charge you a very high interest rate, high late payment charges and are too tempting to have in your wallet while you are out shopping!

8. Don’t get yourself into a mess with paying your mortgage. If you are struggling to pay your monthly payments, speak to your provider about taking a mortgage payment holiday which is better than simply defaulting on your payments.

9. If you have a little extra money, pay more on your credit cards or loans instead of spending it on a treat. If you can pay your debts off quicker, you will pay less interest.

10. If you have been stung in the past by large bank charges, try to reclaim them by writing to your bank. If you think your bank charges are significantly higher than other banks, think about transferring your account.

11. If you travel a lot, use a credit card which doesn’t charge you for using it abroad. Some credit cards charge 2.5% for using it in a foreign country, however there are some that do not charge this fee if you shop around.

12. If you are worried about your finances, get free help from your local Citizen’s Advice Bureau, they understand what troubles you may be facing and are trained to help you think of solutions.

13. Make sure you are claiming any benefits that you are entitled to such as Child Tax Credit, Working Tax Credit. The forms can take a while to fill out and it can be confusing about what you are entitled for but you can go to your local Citizen’s Advice Bureau to help with any queries.

SHOPPING

14. Do you shopping online, this will stop you having to pay for buses or parking and you are more likely to buy what you need when you are online.

15. Join Internet Cashback to earn cashback while you shop online and get access to discount codes which aren’t available in the shops. Earn cashback on a variety of products including your food shopping, clothes shopping, credit cards, insurances etc. Download the Cashback Detector and you will never miss out on cashback while shopping online again!

16. Don’t buy everything from the usual high street shops; use a price comparison website before you buy anything to make sure you are getting the best prices, which could point you to an online shop you have never heard of before with the cheapest products.

17. Try not to impulse shop! Don’t buy something as soon as you see it; give yourself time to think about it so you can see if you really need it. This will also give you chance to shop around for the best price.

18. When buying your groceries try the supermarket’s economy range. You’ll find most of it tastes the same but is half the price, so don’t be put off by the packaging. Supermarket economy ranges are also good for toiletries, medicines and cleaning products.

19. Have a spring clean and sell anything you don’t want or use anymore on Ebay- it is really quick and easy to sell on Ebay now.

20. Do your grocery shopping at night if you can, as supermarkets such as ASDA or Tesco often reduce the price of food like bread, milk or cakes at the end of the day to make sure they sell it.

21. Before you go shopping, make a list of what you need and then stick to it, if you don’t know what you need, you’ll be more likely to overspend.

22. Don’t buy your daily cup of coffee from expensive coffee shops because they are too expensive. A £2 cup of coffee every day will cost you approximately £60 over the whole month! Take a flask out instead!

23. Take a packed lunch to work instead of buying it everyday, it will work out much cheaper especially if you’ve managed to get your bread reduced for your sandwiches the night before.

24. Don’t buy ready made meals; they’re expensive and not very healthy. If you get yourself organised you can cook a meal from scratch in about 20 minutes. It’s healthier and much cheaper.

25. Only buy what you need to eat, buying too much food means it’ll go out of date fast and you lose money on it.

26. Use the leftovers from your evening meals for your lunch the next day, as long as you keep in the fridge it will still stay nice and means you won’t need to buy your dinner out.

27. Always look out for special offers, coupons and discounts. Bulk buy if there is a special offer on something you regularly use, for example a BOGOF on toothpaste however don’t just buy something because it is reduced!

28. Don’t feel you have to be the first person to get the latest products, for example a mobile phone could cost £300 when first launched but could drop to only £50 in the next year.

29. Plan your family and friend’s birthday and Christmas presents in advance by buying them during the sales. If you have enough storage, you could buy your Christmas presents for the following year in the January sales.

EVENING ENTERTAINMENT AND LEISURE

30. Stop eating out at restaurants at evenings and weekends so often. It’s easy to get lazy and head out for dinner but you’ve got to remember that your meal will cost a lot more in a restaurant than it will cooking for yourself.

31. If you do eat out at a restaurant, try to skip the starter and only have two courses which will save you money without ruining your evening. Also, try to resist the coffee at the end of the meal, you can get one at home for much less.

32. Find a restaurant where you can take your own bottle of wine! These are quite common and will mean you are not paying restaurant prices for your drinks.

33. Take it in turns for you and your friends to throw a dinner party. This is much cheaper than going to a restaurant and is often more fun especially if you have themed evenings.

34. If you are going out for the evening, don’t go too early and have a few drinks before you leave. You will spend much less money but will still have fun!

35. If you have an expensive gym membership and do not use it then cancel it as it is a complete waste of money. Try walking instead or using your local leisure centre which will be much cheaper than a gym membership.

36. If you pay to go to a slimming club, consider starting your own with your family, friends and neighbours instead. You will still get the same motivation but will save on the weekly cost.

37. Don’t pay full price for cinema tickets as most cinemas offer cheap weekend or daytime prices, and if you know someone with an Orange mobile phone you can get 2-for-1 tickets on Wednesday’s with their Orange Wednesday promotion.

38. During summer holidays most council’s have free or cheap events for families and children to take part in, so make sure you hunt around to make the most of what is offered.

39. Libraries are a great place to take the children on a rainy day and are great for adults too as many now stock not only books but CDs , DVDs and magazines.

40. Share the cost of events with your family and friends, for example if you love football then buy a season ticket with your friends and take it in turns to go to the matches. This way you might miss out on some matches but that’s better than missing out on all of them.

41. Try and find a market research group in your area which will pay you very well for telling researches what you think of specific products or ideas. These are enjoyable to do and you are provided with refreshments while you are there.

FASHION

42. Aim to build your wardrobe up with classic pieces that match. This way you will be able to interchange everything, so you won’t have to buy as many new pieces.

43. Go to the factory or clearance shops; they’re much cheaper and give you big brands at low prices and chances are, nobody will know where you bought them from!

44. Try to save your shopping trips until the sales are on. Although make sure you don’t buy things just because they are cheap if you don’t actually need them and take them back if they don’t fit as many shops do not open their fitting rooms during busy sale times.

45. Go to your local charity shop for cheap clothes! Remember, the majority of celebrities shop in charity stores because that’s where all the quirky stuff is so you will be in good company!

46. Don’t splash out on designer clothes for your children. Hand-me-downs and supermarket clothing ranges are a great way to dress your children cheaply and they probably won’t even notice the difference.

47. Learn how to sew and fix your clothes, not only will you be able to sew any holes or rips, you will also be able to customise your own clothes to make one off pieces.

48. Return clothes for a refund that you have bought and then realised you don’t like, don’t just let them sit in your wardrobe with the tags on.

49. Don’t avoid the cheaper shops such as Primark, they are great to stock up on your simple wardrobe necessities such as t-shirts and nightwear.

UTILITIES

50. Only buy home appliances that have been certified as energy efficient, they may cost more to start with but you’ll save more over time on running costs.

51. Replace your old light bulbs with energy efficient light bulbs as they last longer and save you money.

52. Lower your heating thermostat. If there are rooms that you don’t use in your home then turn off the radiator and close the door. If you live in a 2 storey house, you can turn the thermostat down even further upstairs because heat rises. By turning your heating thermostat down 10-20 you will be surprised at how much energy you will save per year.

53. Install more insulation in your attic, replace old curtain liners with new insulating curtain liners and seal any draughts. If you have a big enough budget, install double or even triple glazed windows, these are very efficient means of insulating your home, saving you money on heating costs. They also boost the value of a property significantly.

54. Turn off the lights if you aren’t in the room and make sure everyone in your house does the same. There’s no point in being charged for light that you don’t use. Simple as that!

55. Don’t leave electrical appliances on standby as they still consume electricity. Turn them off at the wall and you could save up to 10% off your electricity bills. According to reports, the UK government is bringing in legislation that will make it compulsory for all new appliances to not have a standby mode because of the huge waste this brings.

56. You can save a lot of money on your water bills very easily, always shower rather than bathing and spend as little time in the shower as possible.

57. If you have a big home with few occupants you could halve your annual water bill by installing a water meter.

58. Turn your washing machine down to 40. Unless your clothes are heavily soiled a wash on 30-40 will still bring them out sparkling clean!

59. Don’t be lazy by sticking with your current utility company, shop around and make sure you are getting the best deal; you can use utility comparison sites to help you see which company will be best for you and use Internet Cashback to earn up to 37.50 pounds for switching utility companies.

TRAVEL

60. Book flights early and save money. While many of the budget airlines will fly to a regional airport, it may actually cost less to fly into an airport closer to a city center (if you are going on a city break) as you won’t have to pay for a taxi to your accommodation.

61. Budget airlines such as Ryanair are now charging per bag checked into the hold in an effort to speed up their turn around times. If you can, pack what you need (minus scissors, liquids etc) into your hold baggage. This also means you don’t have to wait round to pick up your baggage at arrivals.

62. Book hotels online rather than walking in unannounced and being hit with the typically higher walk-in rate.

63. Buy your car rental online rather than arranging for it when you arrive. Car rental is a competitive market and there are plenty of money-saving offers available.

64. If you are planning a journey by train or bus then book early, look for offers and do not travel in peak times. If you buy your ticket on the day of travelling it will be significantly more money than if you book in advance.

65. If you are on a long train or plane journey, buy your refreshments before you board as drinks and snacks are always over priced once you are travelling.

66. There are lots of websites which will send you free samples or money off coupons so find the best one and keep checking it for the samples you want to receive. Shampoo and body lotion samples are great to take on weekends away!

COMMUNICATIONS

67. If you don’t use your landline phone often then change to a pay as you go mobile phone, it is silly paying for line rental if you don’t use it.

68. If you don’t use your internet broadband often then cancel it and make use of free wireless internet in most restaurants, cafes and bars. You simply take your laptop and connect to their wireless for free (although it might cost you a cup of coffee!). You can go to your library and use their computers for free and even have access to their printers and photocopiers for a small cost.

69. If you are on a monthly mobile phone contract, think about going pay as you go instead. You will have much more control over what you spend, and you’ll be surprised at how many people will call you instead of you calling them!

70. Send an email instead of phoning or texting people. Most customer services departments will answer emails now if you have a problem with a service such as your utility bill which means you won’t have to ring their premium rate customer services phone number. You can also send your family and friends emails instead of calling them and even send birthday cards by email to save on postage.

71. There are lots of websites which let you send text messages to mobile phones for free so you won’t use up your credit texting while you can get online and use a messenger service such as MSN Live to talk to your family and friends over the internet for free.

72. Get a Freeview digital box and cancel your SKY or cable TV package. Freeview has lots of free channels and you can now watch the majority of TV programmes on the internet, so you won’t be missing out on your favourite shows.

AROUND THE HOUSE

73. If you have a spare room, advertise for a lodger. There are lots of people who just want a room during the week while they are at work, so you would still get your privacy at weekends. If you live on your own a lodger can provide you with great company and will help pay towards your bills.

74. Don’t be wasteful with products such as toothpaste, body lotion or foundation. When you can’t get anymore out of the tube, cut it open and you will be able to use the bits you couldn’t get to.

75. Re-use old ice-cream tubs or take away packaging, you can use them for freezing food or taking your packed lunch into work.

76. If you have a pet, don’t go out buying expensive bedding from the pet shop, recycle the waste paper from your office or buy your own shredding machine at home and shred up your old newspapers.

77. Only fill the kettle with the amount of water you need, filling it up full wastes energy and takes longer to boil so you’ll have to wait longer for your drink!

78. When you use your washing machine, make sure it’s full every time, if you just have a few items to wash then hand wash them in the sink.

79. Instead of drying your clothes in the tumble dryer, hang them outside or in rainy weather hang them over a clotheshorse. This will also keep your clothes nicer for longer as tumble dryers tend to shrink your clothes!

80. Learn how to make your own cleaning products which are as effective as the products you buy in the shop and you can often use the ingredients you already have in your kitchen cupboards.

81. Grow your own fruit and vegetables in your garden or rent an allotment, especially if you give the vegetables to your pets. Seeds cost virtually nothing compared to the actual products themselves.

MOTORING

82. Downsizing your car could save you 100s of pounds each year in both fuel and road tax so if you are just making journeys to and from work you should seriously consider getting a smaller, more efficient car.

83. Don’t renew your car insurance without shopping around first. Use a price comparison site and you could save £100s every year by changing to a cheaper provider.

For a price comparison service go to CompareTheMarket.com.

84. If you travel to work on your own, try and start a car pool with colleagues who live in your area, not only will this save in petrol costs, it will also keep your car miles low.

85. Don’t jump in your car for all journeys, if you can, walk or cycle and you will save money and get fitter.

86. Start a school run with other parents in your area if you drive your children to school or consider walking them there instead if it is in a walking distance.

87. Don’t drive too fast, the RAC claim most car engines run far more efficiently at 60-70 miles an hour, compared to 80 mph or over.

88. Check your tyre pressure regularly; if your tyres are under inflated by 20% then you’ll use 10% more fuel.

89. Don’t pay to get your car cleaned as it is a waste of money, set aside 30 minutes each week to wash it yourself.

MISC

90. Instead of buying a daily paper, read the news online. Most newspapers have regularly updated websites which have all the news stories for free which could save you approximately 15 pounds per month.

91. If you smoke, try to stop or cut down. The NHS has lots of free services to help you do this and it will save you £100s each year.

92. Monitor how much alcohol you drink. If you are having a few glasses everyday, try to cut back and only have it for special occasions.

93. Don’t spend money you don’t have on gambling sites, especially ones online. It is easy to lose track on how much money you are spending and more often than not, you will lose this money. Try premium bonds instead if you want to try your luck as this way you will not lose your money.

94. It may be cheaper for you to pay for your prescriptions in advance with a pre-payment certificate if you pay for more than five prescription items in four months or 14 items in 12 months.

95. Buy generic medicines when you can, a 16 pack of Anadin costs approximately 2.99 pounds however a Sainsbury branded pack will only cost approximately 33p.

96. Cut and colour your own hair, or get your friends to help you. There are lots of great DIY colour kits out there to give you a new look for under 5 pounds and a pair of clippers won’t set you back much. Be careful though!

97. Pretend it’s your birthday on a night out and you might get a free birthday cake or glass of Champaign.

98. Don’t lose all of your loose pennies, save them up in a jar and at the end of the year you will be surprised at how much money you have collected.

99. Make saving money fun! Saving money doesn’t have to make you miserable! You can still see your friends, buy yourself treats and go on holiday; you just have the added advantage of feeling proud of your finances instead of hiding away from them!

The author of this article is a keen blogger regarding cashback deals for retailers’ such as for ASDA and affiliate marketing programmes.

Debit cards are often issued when someone opens a checking account. They act like a credit card with a few limitations. They also act as your card for getting money from an ATM. This article will explain how a debit card works, including the main advantage of a debit card and some limitations of this type of card.

A debit card is tied to the funds in your bank account. To this extent it is like a secured credit card. The implications of this are that it will not work if there is no money in your bank account. The credit only extends to you if you have the money in the bank.

This is a good scenario for people that find it hard to manage their money and are tempted to buy things on impulse. Many people get into trouble with credit card debt because there is no check and balance when they are using their credit cards. The consequences become apparent after the purchase when they receive their credit card statement. By this stage they may not have the money to pay for the purchases and will incur payment penalties or interest on the outstanding balance. Debts can quickly get out of control if this continues.

If they were to use a debit card in place of a credit card, the money for the purchase would be debited from their account immediately. This would be fine unless they did not have the funds in the bank account. In this case the transaction would fail and the purchase could not continue. This would be a lesson in money management. The lesson would be compounded as the card would effectively be useless until funds are added to the bank account.

In this way, it would teach a person to think twice about the type of purchases they make and what they are spending their money on. This is the hallmark of financial management and can help get a person out of debt and build a healthy credit balance in their bank account.

If you are choosing to use a debit card to manage your money or curb your debt problems then visit http://www.bankruptcyfixup.com for tips and advice on solving debt problems. Adrian Whittle writes on solving debt problems through prudent money management and solutions like bankruptcy and debt consolidation.

In a society obsessed with appearances, more and more people are going under the knife or getting chemical injections in search of that elusive beauty.

Plastic Surgery

Any type of surgery is a serious undertaking and should not be approached lightly. And plastic surgery is no exception.

All the risks asscociated with surgical procedure applies to plastic surgery: stroke, heart attack; blood clots in lungs or legs; excessive bleeding requiring a transfusion; seroma, or accumulation of fluid beneath the wound; hematoma, or pooled blood beneath the incision; skin breakdown caused by poor circulation; infection and/or scarring at surgery site; hypothermia; and assymmetry, uneven or lumpy permanent scarring requiring additional corrective procedures.

Plastic surgery can also be immensely expensive; the initially cost typically excludes necessary touch-up surgery in subsequent years. Further, the recovery period for undergoing surgery can span several weeks. Also, surgery cannot repair underlying causes such as depression, anxiety or stress, which will eventually erode any cosmetic changes.

Botox

For those not so brave about going under the knife, yet wishing to achieve a “renewed” look, Botox injection seems a logical alternative. But many do not realise the ill effects associated with this therapy either. In case you are not aware of. Botox is actually a diluted form of botulinum toxin, type A, which is a bacterial nerve toxin that causes botulism.

Here’s a list of symptoms that comes with Botulism:
- Abdominal cramps
- Breathing difficulty that may lead to respiratory failure
- Difficulty swallowing and speaking
- Double vision
- Dry mouth
- Nausea
- Temporary lack of breathing
- Vomiting
- Weakness with paralysis

Not something that you’d like to get is it?

With Botox treatment, the toxin is injected into muscles in the forehead and near the eyes that cause wrinkles over time when you frown, squint, laugh or smile. The injections prohibit nerve impulses from reaching the muscles, so they relax and appear smoother; in effect, the injected muscle is paralyzed.

Side effects include bruising, stinging and redness surrounding the injection site; drooping eyelids; headaches that last several weeks; flu-like symptoms; upset stomach; and risk of botulism, which can be fatal. Injections near the eyes may prevent you from blinking frequently enough to keep the eyes adequately moist, which can be harmful; you may need eye drops, ointment, soft contact lenses or even an eye patch.

After receiving the injections, you are not allowed to bend over or lie down for six hours to prevent the toxin from spreading to other muscles. Botox injection results last for only four months, and you must repeat treatments every three to six months. Your body may form antibodies that render future treatments less effective.

And if all of the above ill effects of plastic surgery or Botox is not enough to turn you off those procedures, then this might.

I’m sure you’d be aware of celebrities who have undergone Botox injections or plastic surgeries. Some of them may start off looking quite fine, but a lot of them end up looking more like statues or plastic dolls than naturally beautiful human beings. Check out customizedgirl.com/blog/?p=73 for some images.

So is there another alternative for looking beautiful without these unwanted side effects?

Well, the answer is yes.

Acupuncture beauty therapy has been used for thousands of years. In the ancient times to keep the Empresses and concubines looking young and beautiful. And now you can gain access to the ancient Eastern secrets of natural beauty as well. For more information on Cosmetic Acupuncture for beauty, see my article on that specific topic.

Dr. Quentin Chen is the First Australian Doctor to be awarded both Western medical and Chinese medicine bachelor degrees by Sydney University and RMIT University respectively. He runs 3 clinics in Sydney Australia and specialise in Anti-Stress and Wellness therapies. You can find out more about Dr. Quentin Chen by visiting his blog http://www.TheChineseDoctor.com