Harold (Buddy) Pope's Blog
A commuter is someone who regularly travels from one place to another because of work. Commuters spend a lot of hours per day to get to work daily which may require a lot of sitting or driving in a bus/car. When they get to work, they still must sit for hours in the office and then drive back home while sitting in a bus/car. During this long commute, getting fit through exercising every day for at least 30 minutes might not be possible.
To get fit, you must change your routine. For example, if you're always sitting on a bus or train to get to work, and then sit all day at work, you might need some ideas about adding a fitness routine into your commute.
To improve fitness while you commute, instead of always sitting to get to work, you can decide to stand for at least 10-15 minutes to strengthen your muscles. Alternating sitting and standing burns calories, strengthens your core, and reduces back pain.
Also, if you are riding a car to work every day, it requires a lot of sitting which can cause neck pain and backache. To work out while driving, you can stretch during slow traffic or when there is a red light. Better still, you can simply park your car and take 10-15 minutes break while stretching yourself before you continue your drive.
For more ways to add exercise into our commute consider these:
- Get a bike: To improve strength you might need to buy a bike and ride it to work instead of taking the bus. If your commute is very far, you can ride the bike for at least 20-30 minutes and then take a bus at the next available bus stop. Make sure that you wear a helmet and jacket when commuting via bicycle and when you get to work you can change to your office clothes.
- Park a bit farther from your workplace: When commuting by car, to increase fitness, park your car a distance from your office. Then, walk to your workplace. Your muscles will be active, and you’ll gain energy when you do this every day.
- Don't use the elevator: Decide to take the stairs to your office. If your office is on the 4th floor, you can take the stairs to the 1st or 2nd floor and then use the elevator for the rest to reduce the risk of knee pain. Practice this every day, and you will become fit more quickly.
- Breathe In and Out: For sitting commuters to get exercise, try breathing in and out slowly for at least two to three minutes. The aim of this exercise is to reduce stress and make you relax.
A long commute doesn’t mean you can’t get in some exercise, but if you’d rather live closer to work, talk to a real estate agent about reducing your commute.
To clean a kitchen cabinet, the type of cabinet you have in your kitchen matters. For general kitchen cabinet cleaning, the following cleaning materials are essential:
- Water and detergent
- All-purpose cleaner
- Vinegar and water
- Non-abrasive All-Purpose Cleaner
- Baking soda and water
Oil-based painted cabinets are durable and easy to clean. You can use any of the above-listed cleaning materials for this type of finish. There is no concern about damaging the finish, hence; all you need to do is scrub hard to rid it of the dirt and food items. Use water and baking soda if your painted kitchen cabinets have stubborn stains.
You, however, should be careful if your painted cabinet comes with a water-based latex style of paint. Baking soda, for instance, might scratch off the surface. Instead of this, consider warm water and be sure to be gentle while scrubbing.
The easiest of the cabinets to clean are the metal type. You can use any of the above means to clean a metal cabinet, except a baking soda. Be careful not overuse water to prevent the obvious – rusting!
An oil-soap wood cleaner is the best cleaning material to use for a wooden cabinet. You can get this at the local grocery or hardware store. Also, with everyday kitchen materials, you can also clean your wooden cupboards easily.
- Detergent: Any grease or oil laundry detergent and water works well on wood cabinets. Just mix two cups of water alongside every cup of soap. Be sure not to over wet the wood because it can affect the finish. It is also important to wipe it down with a damp and separate cloth.
- Vinegar: Without any liquid based detergent, you can use water and vinegar as a good alternative. With vinegar, you can get rid of sticky films as a result of dirty hands.
- Baking Soda: When you have stubborn stains, baking soda is the best to get rid of it. Mix baking soda with water to have a paste, with a wet cloth wipe it cloth
Since a kitchen cabinet is like the workbench in a kitchen, it sees a lot of bacteria, oil, dirt, and grease. That is why it needs frequent and regular cleaning. With routine cleaning, you save more on cleaning services and also ensure you have healthy cooking all year round. If you are having trouble cleaning your kitchen, call in a professional cleaning service to help you get it into shape.
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You’ve been thinking it for a while: “I really should start putting some money aside for a down payment.” But, you just can’t seem to find any wiggle room in your budget.
You’re not alone. Saving for a down payment isn’t easy. Especially if you’ve got rent, car payments, student loans, and are trying to put money aside for retirement.
In today’s post, we’re going to talk about how to make a game plan for your down payment. This way, you can start saving immediately, bringing you closer to your goal of homeownership each day.
Step 1: Give each dollar a job
The first rule of budgeting is that you need to know where each dollar you earn ends up. From there, you can start re-allocating funds to the things you want to save for.
There are many apps and tools available to help you out with this process, including YNAB (You Need A Budget) and Mint. If apps aren’t your thing, you can always use a simple spreadsheet.
First, account for all of your income. This could include your salary, rental income, or other forms of money that you have coming in.
Next, detail each of your weekly and monthly expenses. Everything from groceries to the internet bill and retirement contributions.
Step 2: Reassess your expenses
Now it’s time to make some tough decisions. Are there ways you can cut down on your weekly or monthly expenses? Maybe you aren’t using that Amazon Prime membership as much as you thought you would. Or, maybe you’ve decided you don’t really watch anything on cable but the news. There are a number of ways one might cut back on their monthly bills.
Get creative with family plans, bulk shopping for food, or cooking budget-friendly meals. All of these savings will add up quickly.
Step 3: Pay off small debts with high interest
Let’s face it, if you have thousands of dollars in student loans, you might not be able to aggressively pay them down by the time you want to move out of your apartment.
But, for small debts (under $1,000 credit card debt, for example), you could save more in the long run by paying them off and avoiding interest payments.
Step 4: Be smart about your savings
With the right savings account and credit card, you can earn money through savings interest and through cashback rewards on credit cards.
First, find a savings account with the highest possible interest rate. These can often be found from choosing an online bank who doesn’t have the overhead of running branches.
Next, direct deposit a set amount of your paycheck each week into that savings account. This way, you can be sure that you won’t dip into your down payment savings.
To generate additional income, you can use cash back rewards from credit cards for things like groceries and gas. Choose a credit card that offers the best cash back rewards for things like groceries and gas purchases. The key here is to only use your credit card on necessities and to always pay off the card in full at the end of each month.
If you follow these four steps, you should be able to streamline your down payment savings process and start saving right now.