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albecker   , 36

from Scarsdale

Top Tips To Live A High Quality Frugal Life


What is the difference between thrifty living and frugal living? Frugal brings you down to the penny pincher level. You may remember that one friend who would split cost down to the penny, yes they are frugal, yet they somehow manage to be wealthier as well. I wonder why.

Frugal living does not have to be taking it too far as wearing T-shirts with holes in them. But buying new clothes is very rare indeed because there are still clothes that can be worn. A new pair of shoes is not bought till the soles are about to fall off.
Yes, and you shall. Because of frugal living tips, you get to pay off your debt sooner and have a savings sooner. With the savings account, you can make a travel fund account and you will notice how not buying coffee for a month gives you an extra hundred dollars in your travel fund account already.

So if you want to enjoy a great vacation on cash, frugal living for the meanwhile can be the answer.

1) Combine the ride. Your car is usually the second most expensive item compared to our house. Some families have found a way to combine car rides so that just one car is used. Less maintenance cost and car payments to keep up with.

2) Are you living too big of a house? I used to know a friend who bought a large house with 6 bedrooms even though they only had one kid. Why? Because their friend had bought a large house as well and they felt they needed to have something to compare with. Just because you can afford it, does not mean you have to spend all your money on a large house. This does not mean frugal living means living in a small closet. Yet you may feel you need a larger house because of more stuff piling up. You may think this is funny, but do you even know what is in the boxes piled up in the garage? Many times we hang onto clutter and don't realize how much space we could have had if only we threw out everything we didn't touch for a year.

3) Second, think about buying a property.

Although many people think that rent money is down the drain. Renting can also be cheaper than buying when you take into account the cost of insurance and maintenance,

So before you jump into buying a house just because you want to stop renting, calculate the cost that comes with buying and evaluate whether it is really worth it.

4) Use craigslist more often

I needed a large mirror for my room, and when I shopped around I realized that mirrors were so expensive, a 2-foot long square one could be fifty dollars. You will soon realize all the real deal savings you're getting when you buy used items, it is a shift of shopping focus in the frugal living lifestyle. I then searched craigslist and found someone disposingof theirs and selling for $20. You can find really good local deals with craigslist. Remember to check craigslist first before shelling out the money to buy something new.

5) Dine less, eat at home more

You have probably heard of this one before, but I don't think you realize how expensive it really is eating out. Did you know that the average person spends about $2200 a year on eating out?

Even at fast food restaurants, they charge nearly five dollars for a salad when you can get a bag of fresh spinach for $2.50 That can become 5 meals, so literally, you could have spent 50 cents per meal versus spending $5. So don't be lazy and start prepping your lunches the night before, frugal living does not have to take time. A simple salad or sandwich is an easy quick luncheon to make.

6) Just do not go to the mall at all.

I know there is the tax-free weekend. But did you really need anything? You do know that if you go to the mall you will have the urge to buy something. You probably did not need anything, yet saw a group of people scurrying through a pile of clearance clothes and later figured that you had to get a good deal as well.
If you are bored there are other ways to entertain yourself than shopping, you can read a book, rent a $1 DVD from Kroger and spend way less than if you had gone shopping at the mall.

7) Cut the cable. I don't have cable TV. Yes, you may laugh at me that I am one of those that has FID converter box and an antenna. Flowever, do you realize how much cable adds to the bill? You are adding an extra $65 every month. Plus, you don't do much around the house, you probably sit around a lot if you're making your cable money well spent. I have involved in a lot more outdoor activities than my friends are, I workout three times as much and have a much healthier lifestyle. My friends ask me how I have so much time. I simply reply "I don't watch TV"

You don't have to join a gym to be healthy. Think about what you do at the gym. If you are on a treadmill only, perhaps you can seek your nearby park to do your workout routine. Most gym memberships cost $50 or so and not even 20% of the equipment is used.

Practical Tips On How To Gather More Followers On Instagram


Instagram is a widely used form of social media. Second after Facebook, it has most people since it is easy to access. Opening an account in it isn't difficult either. All you need are a username, smartphone and password, and you're good to go. But there's a huge difference between having an account and having many followers. Many people in Instagram aren't popular but you will be surprised by the huge number of followers they have. They may be updating their pictures only once in a while but people keep increasing in number. On the other hand, you could be faithfully updating your profile but your followers are constantly few. The following are some tips from http://socialboosts.org/instagram-followers/ you can use to gather more followers on Instagram:

1. Content matters

People love attractive profiles. People with many followers post interesting and appealing contents, from the pictures to the captions, the kind of stuff that can't pass anyone's eyes easily. Fame has nothing to do with it. Creativity is the key. If you have no idea what people want you could research and keep in mind what content you should have if you want to have a large fanbase.

2. Buy followers or create an attractive account

To some, the first option sounds wrong. It sounds like you are persuading people to follow you by buying them. We all want to be loved sincerely but in social media, especially Instagram, buying followers is a very smart move. This will work to your advantage. The only thing you have to remember is when you decide to buy, buy real Instagram followers who will help you grow. These people will not only make you famous, but popular as well when others see you in their suggestions.

I'm not saying creating an attractive account is wrong but we have to look at the time factor. Before many people know you through this option it will take quite some time. Plus, your fan base will be small for a couple of days or weeks considering that it will only be your friends and loved ones who know and follow you. Don't let pride and insecurity ruin your chance. You have the information, I say go for it.

3. Ask for assistance

You may be totally new to Instagram and how it works, therefore you don't know anything from how to open an account to how to maintain it. The first two tips will only be useful to you if you know how to apply it. If you don't, you could seek assistance from a close friend or relative who's in already and knows everything there is to know. Make use of their experience to establish yourself and start your own account. Once they set you on the right track, the rest is basically up to you. Don't let them excessively control your choices. The account belongs to you, so feel free to experiment.

Instagram is interesting when you have the right people by your side and the right fans behind you. They both play an important role in the growth of the number of followers you have. So as you mingle with them and buy them, be very careful.

Private Internet Access (PIA) Netflix Proxy Error Fixed With Alternative VPN


An American Entertainment Company called Netflix, which specializes on providing media streaming, DVD by email and online videos-on-demand has been reported as having almost a hundred million avid subscribers worldwide, most especially in the United States where there is almost half a million of its subscribers. It is one of the sought after entertainment company known for its reliability. However, Netflix has some issues for users who uses the Private Internet Access to watch their favorite shows through their site.

Private Internet Access or what we call the PIA is an anonymous virtual network service which features protection to hide the identities of individuals surfing the net. It supports multiple VPN gateways, unlimited bandwidth and Internet kill switch. This is a very helpful network for those who wish to gain access to a website without having to divulge any personal information and location of the users. It gives them the security to surf the net unidentified. Recently, news has had it published that Netflix will not allow the use of PIA to service their website anymore. This is to provide a more secure website to Netflix and its subscribers.

Netflix have banned the use of PIA to their VPN servers. People who wish to watch movies and TV shows from this website would have to view it through Netflix of their own respective countries. When you try to gain admission through Private Internet Access Netflix, you would automatically get a Netflix proxy error. Many other websites have tried their luck to unlock the proxy error but it always leads to a failed attempt. This has caused a huge disappointment for the hackers out there who would want an easier, free access to Netflix. The Private Internet Access which is also a parent company of the London Trust Media, Inc. has voiced out their admission of not knowing how to redeem access to Netflix.

Although there were several attempts of entry, PIA up to this point fails to unblock the Netflix proxy error. Currently there is no other solution for this existing error except for an alternative VPN to be used. Users of the Private Internet Access Netflix must give up on using this as their means to connect the site. This error has started showing its strength to ban the use of PIA on the early months of 2016. The purpose of Netflix is to provide entertainment access through its services per country of availability. In other words in other areas of the world, some movies and TV shows are not available unless they log in directly to VPN connection of Netflix of that country.

Instead of using Private Internet Access Netflix as the means to view movies and TV shows on Netflix, the best alternative to it is to use the EXPRESSVPN and NordVPN. It has been know to fix proxy errors accurately. Nowadays, these two have boomed as the world’s most favorite VPN providers. Unlike other VPN providers ExpressVPN and NordVPN is known to have several ways to help users keep the secrecy of their identities as well as it allows people to download torrents without any conditions. So if you want access to Netflix without restrain and proxy errors, ExpressVPN and NordVPN may do the trick for you.

How to Find a Good Personal Trainer


Are you looking to lose weight? If so, you may consider hiring yourself a personal trainer to help you in your weight loss transition. Many people, both those looking to lose weight and build muscle, are hiring personal trainers to help them reach their personal goals. If you are considering hiring a decent fitness coach but would like some more information first, you have come to the right place. Throughout this article, we will discuss what a personal trainer is, what a training session is like, and how to find the right trainer for you.

To begin, let's first discuss what a personal trainer is. They are someone who is certified to help you in your personal fitness goals. Based on their experience, they will assess your health and fitness levels and set up a program to help you achieve your goals. On top of education and actually training you, a trainer is a great way to boost your motivation. Many people make promises to themselves to work out and lose weight, but most end up breaking these promises within a few weeks. Keeping motivation to train is difficult for anyone. They will push you to meet your goals, significantly decreasing the chances of you breaking your personal weight loss promises.

During your first session with your trainer, your fitness level, body measurements, and health history will be assessed. You will then discuss your weight loss (or strength training) goals and set up a training plan that will work well based on your needs. After your initial session, you will begin working on these goals, doing exercise and weight training routines with your trainer by your side.

When hiring a decent fitness coach, there are several things you will want to look for. The most important thing is education. Make sure that they are certified through a reputable training organization. Never feel bad about asking them for proof of education. Any reputable trainer will have no problem showing you their certification. Also, although it is not necessary, your trainer should be trained in CPR and first aid in case anything should ever go wrong.

Also, when hiring a decent fitness coach, attempt to hire someone who has a lot of experience. Ask them how many other clients they have, how long they have been working as a personal trainer, and if they work with other people who have the same goals as you. Some personal trainers may be more qualified for teaching strength training than weight loss training, so asking them what they specialize in is important to obtaining your goals.

Finally, trust your instincts. A trainer is someone who you will want to feel completely comfortable around. All good personal trainers will be excellent listeners and will based training programs on your needs rather than theirs.

If you are considering trying to lose weight, a personal trainer is an excellent way to get you one step closer to your goals. A trainer will work with you, at a pace that is good for you, to help you achieve your weight loss goals. Use referrals from family and friends or go to your local gym today to find a trainer in your area.