Habits That Keep You Broke

It is becoming more and more common for people to complain about their finances openly. It is no longer uncommon to hear your friends, family or acquaintances tell you that they are “too broke” for a specific event or purchase. Admitting that inflation has made life extremely expensive for the common man, there are some habits that tend to keep you broke perpetually. This is a state of being that exists regardless of how much wealth you inherit or how much money you earn that arises from consistently maintaining these financially terrible decisions.

Living Above Your Means

In a world where appearing rich has become more important than being rich, most people tend to live above their means. They manage their extravagant expenses on credit cards and other forms of debt, thus leaving them paying a substantial sum towards interest payments while living in constant worry over meeting bill payments.

You Don’t Track Your Money

If you constantly find yourself wondering where all your money went, then you fall into this category. A common mistake people make is not keeping track of their cash flow. Several apps are now available to help you keep track of this by noting your inflow sources, your outflow sources and presenting you with a composite chart of where your money is spent. It is important to know where you spend more of your money in order to be able to know where you can cut down on your spending.

You Remain Lazy About Your Finances

It is common for people to procrastinate with regard to those activities which do not excite them or which do not require immediate attention. Understanding and working about with your personal finances tends to fall into this category and gets pushed over to a stage in life where you’re in financial pain already or have too little money for savings. Keeping track of your finances on a weekly basis is our recommendation.

You Spend Before You Save

A common saying in the Finance World is “Pay yourself first”. This talks about the importance of your first chunk of income being set aside for savings and emergency cushions and the balance amount being used to pay bills and debt. This helps to keep you afloat in all situations as opposed to the strategy of spending lavishly while saving scarcely and erratically.

You Expect Quick Results

Another common mistake you make is that you’re trying to get rich quick. This leads to getting caught up in quick-money scams or dissolving investments at the slightest of losses. Building wealth takes time, patience and perseverance.

You Live In A Consumer’s Mind-set

Consumer Mentality focuses on extravagant purchases of items such as clothing, accessories, cars, boats, etc. However, focus on such purchases leads away from purchases in appreciating assets such as Real Estate, Commodities, Stocks, ad so on. Constantly focusing on consumer purchases rather than investor purchases leaves you happy in the moment but unhappy in the long run. A balance between the two is required in order to live a happy and financially healthy life.

You Are Trying To Impress The World

Thanks to social media and a consumer mentality, everyone’s trying to one-up their followers on Instagram and Twitter with materialistic purchases. Instead of spending wisely, you’d rather post pictures of the expensive shopping spree you went on or the luxury vacation you took, etc. Focusing on your own money goals is more important than impressing others who in turn are trying to impress you with their posts!

You Rely On Your Credit Card Wrongly

Credit cards give you access to purchases even when you don’t have money in hand. One of the biggest mistakes we can make is using our credit cards to purchase items which we cannot afford. This essentially helps us fall into debt traps and keeps us constantly broke.

You Have No Financial Goals

Setting financial goals is crucial as that is what provides you with incentive to implement your financial plans. Choosing to save over spending requires us to prioritize a future need in lieu of today’s desire. This isn’t an easy choice to stick to but can be made easier by knowing that the money you’re keeping aside is for a new house, higher education, a comfortable retirement, etc.

You Don’t Know Basic Finance

No matter how many experts you get on board for help, you must be able to take charge of your money. Knowing the basics of investing, saving and personal finance can make all the difference in your thinking and spending habits.

 

Thank you for reading my blog. Please read, like, comment, and most of all follow Phicklephilly. I publish every day.

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Here’s What Happens To Your Body If You Drink Less Than A Bottle Of Water Per Day

Almost any health-related article contains the magic phrase ‘drink plenty of water’. But what exactly happens if you don’t?

Up to 60% of the human adult body is made up of water. In fact, H.H. Mitchell stated in the Journal of Biological Chemistry that the brain and the heart are comprised of 73% water, while the lungs are around 83% water.

Our bodies use water in all cells, organs, and tissues to regulate and maintain normal function and temperature. It is essential for keeping our kidneys, skin and other organs in top working condition.

You lose more water throughout the day than you realize- your body loses water through sweating, digestion, excretion and even breathing. This means it is crucial to rehydrate by drinking water, as well as by eating foods with high water content.

Downing a specific amount of water is not that high on anyone’s priority list, and unless you are watching a water-intensive film like Aquaman or Moana (watching all that water in high definition had me really thirsty), it’s easy to forget to chug enough water when preoccupied with work and chores.

Some lesser known benefits of staying sufficiently hydrated are:

•    It promotes weight loss by helping to get rid of the by-products of fats while keeping you satiated.

•    It helps form saliva and mucus, which keeps our nose, mouth, eyes, and throat moist while protecting them from damage and friction due to dryness.

•    It is the key to glowing, healthy, nourished skin, by making it less prone to turning dry and wrinkling.

•    It regulates body temperature, especially for those who live in hot climates or are highly physically active.

•    Cartilage in the joints contains water that is necessary for keeping them lubricated and healthy to provide sufficient cushioning and avoid joint pain.

•    Staying hydrated keeps your energy up and your brain working at its optimal level.

•    It keeps your body’s waste disposal system functioning efficiently.

•    It boosts your immune system.

So how much water does one really need?

There is no hard and fast rule to follow when it comes to how much water one must drink.

Water intake is dependent on a lot of internal as well as external factors such as age, weight, gender, activity levels, and temperature of the surrounding area.

A general recommendation is to drink six to eight glasses of water a day, which comes to about 1.5 to 2 liters of water a day. Since most disposable bottles are can hold about half a liter, this means that one must down three to four bottles of water daily.

What happens when you don’t drink enough water?

Your body sends delayed thirst signals to your mind, which unfortunately means that, by the time you become aware of your thirst, your body is already dehydrated.

•    Even mild dehydration (fluid loss of as little as 1-3%) negatively affects energy levels, attention span, motor coordination, and mood, and can lead to significant reductions in memory and brain performance.

•    Your appearance will get affected if you remain dehydrated for an extended period. Skin dulls down and loses its glow, and lips become dry and begin to peel. Your mouth and throat may also feel dry, which can actually cause an increase in caries due to the absence of the natural cavity-fighting effects of saliva. The lack of water can also lead to the undesirable occurrence of bad breath or halitosis caused by a build-up of bacteria in your mouth.

•    When you perform physical activity on a dehydrated body, it can cause you to feel dizzy, faint or exhausted. You will begin to feel constantly tired, even after getting enough sleep.

•    This can also lower the volume of blood in your body. The thicker your blood becomes, the harder your cardiovascular system has to work. Your heart rate and breathing may both increase due to this.

•    Insufficient water also impairs the body’s ability to properly regulate temperature, which increases your body temperature, also known as hyperthermia.

•    Your digestive and excretory systems will be out of whack. This means you will experience the highly uncomfortable side effect called constipation. Furthermore, you won’t pee very often, and when you do, your urine will be darker than usual, as opposed to the standard pale yellow it should be, which is not a good sign.

•    Another somewhat unexpected consequence of insufficient hydration is that you gain water weight. Your body begins to retain as much water as it can, which may make your face and extremities puffy and swollen. This gets resolved when you start to drink a sufficient amount of water again.

•    You may also experience frequent, unexplained headaches. Without the requisite amount of water, your cells will shrink. This can cause your brain actually to shrink from fluid loss, which causes a headache. These headaches can range from mild and dull to severely debilitating but quickly disappear after gulping down some H2O.

•    No one likes it when you’re cranky, which is precisely what you’ll be if you don’t hydrate properly. Not only will people begin to avoid you because of the sudden change in your temperament, but dehydration will also adversely affect your own ability to perform daily tasks and chores.

•    Overeating is a common consequence of being dehydrated. This happens when your mind misinterprets the thirst signals as hunger pangs, causing you to eat more than you usually would. Furthermore, without water to fill your tummy and keep you satiated, you have more space for that extra serving of food.

Here's What Happens To Your Body If You Drink Less Than A Bottle Of Water Per Day

How can you monitor your hydration levels?

Once you have identified if you are dehydrated or not, maintaining proper levels of hydration is easy! Following these steps will help you stay hydrated:

1.    Pay attention to how much you drink: track your water intake for a week by maintaining a daily log. This will help you identify and rectify any shortages in your water intake.

2.    Keep an eye on your peeing habits: It is normal to urinate around 3 to 4 times a day. Any less than that means you have to up your water intake, ASAP. Your pee should also be a pale yellow or clear color.

3.    Carry a water bottle with you wherever you go.

4.    Be aware of how and when you feel thirsty, and be sure to rehydrate as soon as you do to help clean your liver.

 

Thank you for reading my blog. Please read, like, comment, and most of all follow Phicklephilly. I publish every day.

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Alicia – Chapter 5 – Get Her Number

I used to be at war with my demons and now we’re all on the same side.

I need my sleep from life in general. I wake late on Monday morning. There are things I need to do. They need to happen today. The first day of the week. I have to go deposit my check and talk to Alicia.

There’s no real reason to do any of this, other that the directive that always drives me. I like Alicia my favorite teller, and I want to break the shell of her understanding and take her to a nice lunch. I want to get to know her.

Why?

Why not. I’m attracted to her and her aloofness. That and those arms. It’s weird but it’s mine. There’s something unique about her. If I can just secure some time with her outside the credit union I can learn all about her. Is it for me or the blog?

Do I really want to get to know this stranger that handles my money or am I just doing this to create content for phicklephilly?

Have I done things before that have simply driven the blog? I’m starting to think that I have. I’m managing my current relationship as best I can and all of the facets that come with that but why this teller?

I know nothing about her. She’s behind bulletproof glass. Is this simply a new goal for me to keep my life interesting and drop the dopamine?

I’m starting to think that. Is the art now driving my life?

I don’t have a problem with that but I can feel the anxiety placing its cold fingers around my heart as I climb the steps to my credit union.

I take some deep breaths as I unbutton my overcoat and loosen my scarf.

“I need to get into character and just do this.”

I walk into the credit union and head to the desk. I fill out my deposit slip. My hands are shaking a bit. Am I just nervous or are dementia tremors kicking in from the drinking? I write my name and social security number and it looks like the writing of an old man.

I’m 55. Middle age has got me by the throat, but I still have mad game and after decades of dealing with my anxiety and depression… I can push those loser off me.

I know what I’m going to say. I worked it out all weekend. I’m ready. I’m going to run the program like I always have. I’m so good at this now. I turn to Depression and tell him to cheer up and go to work. I turn to Anxiety and tell him to settle down and just be excited at the prospect of a new lady.

I used to be at war with these demons and now we’re all on the same side.

Get in line.

I’m standing there with my paperwork. There are tellers waiting on customers. Just another boring Monday at the office.

I see her.

Alicia.

Her back is turned and she’s working on something at the back counter behind the teller area.

Fuck! She won’t see me. I’ll have to go to one of these other people.

Bust suddenly she turns and sees me. She smiles.

“I can take you down here.”

Time to close this.

I scamper down to her window. The credit union’s quiet. I need to do this now. I push my check and deposit slip into the slit under the bulletproof glass.

“How are you? Nice to see you.”

“You too.”

This is where the rubber meets the road my friends. The move has to be made now or you will lose forever.

“You said you like french toast.”

“Yeah” she smiles.

“On the weekends brunch goes to 3pm, but during the week breakfast ends at 11am. Most end at 10:30. The only place to get french toast in this city during the week after 11am is Midtown Diner. I’m not taking you there. Great spot, but no. I spoke with my friend Jason at Square 1682. He’s the General Manager. I described the dilemma of your 11am lunch break. He told me if I email him and give him the day we’re meeting for lunch he assured me that you will have french toast for lunch at 11 even though breakfast ends at 10:30. And the french toast at Square 1682 is slammin.”

Alicia is listening intently and smiles. She is delighted by my efforts.

This is how you date my friends.

Go slowly. Build the trust. Make her laugh. Make her feel safe. Be non menacing. Be trustworthy. Be creative. Bend time. Be original. Be extraordinary.

So many men fire off to quickly and blow it. My father taught me to be the lion lying in the grass and doing nothing. Like wine it could take years. Most men aren’t that patient. You have to be if you want something. I’ve waited years for the things I’ve wanted.

If you can do that and be elegant, you’ll close the sale and win the girl.

It may not work out, but it’s never the kill. It’s the thrill of the chase.

That’s the true rush of romance. The best part. The unknown. The excitement of the possibilities.

This could just be a lunch, but I want nothing more from Alicia. I love the idea of the old horse being able to get a lunch date with a beautiful young girl though bulletproof glass can still happen.

I tell her my efforts and Alicia is entranced.

“I can’t do this week, but next Thursday at 11 would work.”

“Perfect. May have your number?”

Alicia grabs a pink post it and scrawls down her phone number. She sticks it to my deposit receipt and thrusts it back to me under the glass.

 

The die has been cast. I’ve won after over a year of desire.

I tell her I’ll push her my contact info in a text. She smiles and agrees.

I’ve done it.

There is a pause and we look into each others eyes. We smile and I realize I have all I need and my transaction is done.

“Okay then. I’ll set it up.”

“Yea. Have a great day, Charles.”

“I have some more checks to deposit so I’ll see you soon.”

“Okay.” (smiles)

I walk out of the credit union. Should I go out and have a celebratory smoke or go eat before my shift at the salon because I have to train the new girl (Eileen or Amelia) tonight?

Go eat. You’ve earned it buddy!

 

Lunch date with hot Alicia!

 

Thank you for reading my blog. Please read, like, comment, and most of all follow Phicklephilly. I publish every day.

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Facebook: phicklephilly       Instagram: @phicklephilly       Twitter: @phicklephilly