Thursday, April 15, 2021

Making Peace With A Rowdy Horse- 5 Tricks That Work

 If you are a horse lover, you are likely to encounter rowdy equines through your riding years. A horse may be aggressive by temperament, due to illness, or because of sheer anxiety. It is important to calm and comfort the animal so that you can be safe. Fortunately, you can make peace with an aggressive equine without much work, provided that you are willing to go the extra mile to accomplish the feat. Here are some tried and tested tricks shared by experienced riders you can rely on.

Think small with training 

Dealing with an aggressive animal requires a great deal of patience. The best piece of advice is to think small with training. Consider taking baby steps because expecting too much from the animal can make it even more anxious and aggressive. Try to understand its abilities and choose training activities accordingly. It will reduce the mental pressure and keep the equine calm.

Keep the animal busy 

Even as you go slowly with training, make sure that the animal is busy. Keeping it occupied with something it enjoys curbs the chances of rowdiness and builds better bonding with the horse. Prioritize activities it is familiar with and avoid trying something new. Simple bending and long, brisk trots work well for settling the mind and muscles of your equine companion. 

Seek help

At times, your horse may be rowdy because it has a medical problem and needs help. If you see symptoms like trembling, rearing, cribbing, and bolting, you must get a vet’s advice right away. The specialist will recommend a treatment plan for the underlying condition, and you will see a behavioral improvement as well. Consider CBD therapy for calming the horse because it is safe, natural, and effective, so you can use it for the long term without worrying about side effects.

Align your behavior

Horses tend to mirror the behavior of riders and trainers. If you want the animal to behave well, aligning your behavior can help. Speaking to it calmly yet firmly establishes a relationship of trust. Try to be quiet while mounting and riding because unexpected and aggressive movements can make it nervous and anxious. An excitable horse is quick to react to whatever you do, so make sure that you are calm and collected at all times.

Establish boundaries 

No matter how experienced you are with horses, there are always chances of the animal getting out of control. Establishing boundaries keeps you safe, so you must have clear ground rules that the animal has to follow. If you communicate consistently, the horse will understand what you expect it to do, and there are good chances it will not overstep the boundaries. Let it know that you are the leader, and it must obey your orders.

Handling a rowdy horse is not a mean feat, but the right attitude and approach set you up for success. Being firm and calm with the animal makes it possible to keep it under control. You must also pay attention to the underlying concerns and address them from the root.  








5 Steps to Improve Your Financial Future

 

Photo: Micheile Henderson/Unsplash


Financial freedom is something we all strive for, but in today's economy, it can feel quite elusive. If it feels like funds fly out of your account seconds after they arrive, you're not alone. The good news, however, is that there are plenty of small but powerful steps you can take today to improve your financial future. 


Take Charge Of Your Debt

The first thing you're going to want to do is take charge of your debt. The sooner you can reduce and eliminate any unnecessary outgoing expenses, the sooner you'll have better cash flow. Start by checking out a debt repayment calculator to see how much you're currently spending and how long it will take you to pay off your debt at this rate. Then bump your payments up to the maximum you can afford so you can see how much less interest you'll pay by getting rid of your debt sooner.


Consolidate 

Now that you've worked out exactly where your money is going, it's time to set up a more proactive debt-smashing plan. If you qualify, look into consolidating your debt into a no interest loan scheme. This will allow you to pay down the capital sooner and greatly reduce your overall expenditure. 


Establish An Emergency Fund

One of the most important factors in your financial security is the ability to deal with a crisis. A solid emergency fund is key to your financial future. Start by working towards having three months of living expenses saved, then slowly build up to six months and then a year. This may seem excessive, but as 2020 showed us, things can go sideways very quickly, so it's important to be prepared. 


Adjust Your Budget

You’ve probably heard that you should be living below your means, and while that can certainly be a challenge in many cases, it really is the only way to get ahead. The best way to ensure that you're achieving this is by analysing and recalibrating (or creating) your budget. 


Any discretionary spending that does not align with your goals should be cut, especially if you're currently living paycheck to paycheck. You don't need to suck all the fun out of life, but anything that doesn't bring you joy or serve a purpose is just dragging you down. 


Enable Round Ups

Many banks offer the option to round your transactions up to the nearest dollar (or five or ten). You don’t notice the extra dollars or cents that go missing, and they don’t really go missing. Rather, they go into a high-interest savings or investment account. This is a great way to save without missing the money being put away.  


Look Into Investing

Yes, we're aware that in order to invest you need to have spare cash, but if you can find the money, compound interest will soon become your best financial friend. If stocks feel too risky or are out of your price range, consider looking into micro-investing in ETFs. They tend to provide a more stable return and can be bought more easily in the micro-investing market. 

Note: You should only ever invest money that you can afford to lose and won't need in the next couple of years. The stock market, like any other trading platform, comes with its own unique set of risks, so you should consider carefully whether this option is right for you. 


There you have it – our best small but powerful tips for improving your financial future. Implement the ones that work for your situation, share any others you may have in the comments, and go live your best life. 







Things You Should Consider While Looking for Bathroom Designs

The bathroom is the first place we start our day with. Every person wants to have a luxurious bathroom with the most up-to-date styles. Every time we get into a bathroom we look for appearance and functionality. Comfort is also one of the features. No one wants to start their day in a bathroom with a distracting leak or looking at a nondescript dingy plain wall. We all get those amazing ideas at this place only right! Don’t let this imagination and ideas get affected by some leaks. For a better start to the day why don’t give your bathroom a new look and make it a happy place to start your with.

You can look up various bathroom designs at Flat Pack Bathroom Vanity Units at Kaboodle

If you are really into giving your bathroom a makeover keep these following points in mind:

  1.  Space:

Space in the bathroom is a much-needed thing. You can add space by switching out fixtures, adding foldable furniture and the last option is construction. You can also use some DIYs to add some new features like adding more cabinets for towels, soaps and shampoos, and other essentials to your bathroom.

  1. What’s trending:

Moving with the trend we can see how technology is transforming bathrooms into personalized day spas. Modern-day bathrooms will bring high-tech upgraded bathroom essentials like smart showers, automatic sinks, voice-activated features for lightening and temperature, and toilets that have seat warmers, automatic lid openers, built-in deodorizers with them. You can also add some bright new colors and stack bond tiles to the walls. You can install some open showers and big bathtubs for relaxing after a long day of work.

You can also add some rain showers, colored tapware to your bathroom. Overhead skylights can also be installed to give an illusion of sky and add natural light. Another trending item is a backlit mirror.

These look great in oval shape and will look extensively amazing on a dark wall. You can also add some wallpapers to your walls as they provide a very new look to the bathroom. If there is less space then exposed plumbing is a good option to make your bathroom one of those trendiest ones. Shower benches can also be added to make your bathroom making it different from others and it will be a comfortable option as well.

 Don’t you think how comfortable and relaxing these new bathrooms are going to be.

  1. Money And Savings:

How does it feel when you buy something at a high cost and your friends buy the same at a much lower price, it does hurt. We work hard for each penny and we can’t just spend it like fluid. We always think twice before buying anything and should do the same before buying essentials for our bathroom also. Compare prices, look for environment-friendly alternatives, reuse old items instead of replacing them. Moreover, you can check at Kaboodle for more budget-friendly options with the best modern designs.







Monday, March 29, 2021

4 Options To Consider If You're In Need Of Emergency Cash

 

Photo: Sharon McCutcheon/Unsplash


Whether you have recently lost your job, your home is in need of large repairs, or your car has been written off, one thing is for sure: you need cash and you need it quickly. Sadly, when financial emergencies arise, many of us are unprepared and don’t have a rainy day fund to help. 


If you’re currently in this situation, you’re definitely not alone. Even better, there are options available to help you raise cash quickly. The following four ideas are a great place to start:


1. Borrow A Bit

One of the easiest ways to get a quick cash injection is to borrow a little bit of money. 

The easiest and safest way to do this is through a no interest loan scheme. Alternatively, you could seek a loan from family or friends, but that can be complicated and test relationships. You could also release equity from your property, but that also comes with its own risks. 


In all cases, do not take any loan if you are not sure you can pay it off within a reasonable timeframe. It is also very important to avoid any illegal, high-interest, or otherwise unscrupulous money lending options. There are always better ways to get a cash injection than turning to predatory money-lending that results in more debt, usually very quickly. 


2. Liquidate 

Liquidating what you own doesn’t mean you have to sell huge belongings like your house or your car. For a small to medium cash injection, there is a lot you can sell before it gets to the stage of selling larger assets. Here are some suggestions of things you could sell to get cash quick:


  • Jewelry that has no sentimental attachment or that you don’t wear often

  • High-quality clothing like bridesmaid dresses or vintage pieces you inherited but don’t like

  • Recently purchased phones, TVs, or games consoles you could return for full price

  • Older electronics and gadgets that rarely get used 

  • Equipment like cameras or sewing machines from hobbies that never took off 

  • Toys and clothes your children never use any more

  • Any items you clear out during a decluttering session  


It may feel a little desperate to have to sell items to make money, but if it stops this cash emergency from becoming something bigger, it’s a small price to pay. 


3. Boost What You Earn

Starting a new career isn’t going to get you money quickly. However, signing up for more hours at work could be an easy way to boost your next paycheck. Freelancers may wish to consider invoice financing to even out their income. Taking a second job could also boost your earnings. 


Ideally, the second job leverages your natural talent so it doesn’t feel so grueling. For example, if you’re naturally chatty, maybe a few hours working at a bar in the evening could work well for you. Or if you have expertise in a certain area, like photography, you could write an ebook, or run online workshops for hobby groups. 


4. Make A Sacrifice

According to statistics, Americans spend around $2,000 per year on vacations. If you spend a good chunk of your income on holidays, perhaps you could have a staycation this year for an instant cash injection. Sacrificing large payouts like this may feel disheartening, but as we mentioned above, it is much better for you over the long-term than getting into even deeper financial troubles. 

You Can Get Emergency Cash Quick

It is often easier than we realize to get emergency cash when we need it. With a little ingenuity and creative thinking, you could get back in the black quickly, for a better financial future. 







3 Straightforward Investment Opportunities For Beginners

 

Image: 3844328/Pixabay 


There are many more ways than one to amass a fortune. Pinching your pennies and being stingy with your paychecks aren’t the only methods to build a future. Smart financial investing is one of the best ways to construct a strong financial future for yourself. 


Investments might sound intimidating on the surface, especially if you’re new to the world of finances. However, it doesn’t have to be that way. Financial investments are more accessible than ever before, thanks to the rise of the internet. 


You now have countless options available to you, from commercial property investments to digital investment apps and everything in between. Here are just a few of the best opportunities for beginners:


1. Take Advantage of Robo-Advisors

No idea how to start investing? Too nervous to sit down with a live financial advisor and admit your ignorance? Then robo-advising will likely be the ideal option for you. As the name suggests, robo-advising uses artificial intelligence and algorithms to handle all your investing for you. These options are effortless to use. Simply create an investor profile, and the advisor will use your data to automate investments based on the resources and goals you’ve specified. 


Better yet, robo-advising is typically far cheaper than working with a human financial advisor. That’s not to mention that robo-advisors usually require a lower amount of capital to get started, making them highly accessible for people who are hesitant about diving into investing or who don’t have too much money to commit at once. 


Robo-advisors are a great jumping-off point for financing as they can let you get the hang of the practice in a low-risk environment, preparing you to move on to more advanced ventures if you’d prefer. Just be sure to do your research and read the online reviews to ensure you’re signing up with a reputable company that’s making money for its newbie investors.

 

2. Invest in Your Retirement

If your workplace provides a retirement plan or other long-term savings plan, then you’re already on your way to investing. Employer retirement plans like a 401(k) are a great way to stockpile a potentially significant sum for the future. The best part is that employers typically match your contributions up to a specific limit, meaning that it’s not difficult to end up with plenty of funds set aside before long.


Retirement funds are one of the best ways to begin investing because of how easy and accessible they are. After all, your employer might have already set up a 401(k) for you anyway. The best part? Most 401(k) accounts don’t have a minimum contribution, so you can invest as much or as little as you’d like – it’s all up to you.


3. Use Investment Apps

Ready to start investing but turned off by complicated systems of accounts and financial advisors? Thankfully, a few mobile apps make it easier than ever to start investing all on your own. These allow for plenty of flexibility to try your hand at developing your own diverse portfolio of investments while still providing enough guidance for beginners to learn the ropes. 


The caveat is that these apps sometimes charge a bit more than other programs and inherently come with more risk than simply trusting a robo-adviser or your 401(k) manager with your funds. However, they can be exactly what you need to break into the stock market.


The world of investments doesn’t have to be impenetrable. There are endless ways for people from all walks of life to seize a solid financial future for themselves through intelligent investments. Take advantage of the resources described above, and you’ll be enjoying healthy returns before too long.








5 Tips For Soothing A Cranky Baby

Photo:  Laura Garcia/Pexels


Human beings have a primal response to the sound of a crying baby. Have you ever wondered why it is so difficult to listen to a baby crying on a plane or in a cafĂ©, even if the baby isn’t your own? The sound has been proven to trigger the fight or flight response within the subcortical part of your brain, inspiring an immediate emotional response. This reaction can be felt ten-fold when it is your baby crying. To help you soothe those cranky little cries, we have five tried and true tips from experienced mommas.


Change Their Duds

One of the first checkpoints when your baby is upset is to make sure they have a clean and dry nappy. Having a wet or dirty nappy is not only uncomfortable but can lead to nappy rash if left for an extended period of time. 


If your baby has red and irritated skin under their nappy, you can soothe their discomfort and repair the skin with Sudocrem nappy rash cream. After around three days, the rash should clear up. If it is getting worse, then take them to see a doctor.


Feed Them

A newborn baby’s stomach is as small as a cherry and can only hold a teaspoon of milk at a time, which explains why they need such regular milk top-ups (and the frequency of nappy changes required!). If bubs is fussing and won’t settle, then a feed might be in order. 


Remember, your little one hasn’t read the books and may not be interested in the three-hourly schedule they suggest! If you’re out and about, a nursing sports bra can be a lifesaver, allowing you to be comfortable all day and feed bubs with ease whenever the need arises. 


Burp Them

Tiny air bubbles can find their way into your baby’s digestive system when they are feeding, crying, or babbling away happily. These air bubbles are incredibly uncomfortable and need to be passed out through their mouth or their bottom. Some babies find this easy to do, others not so much. 


If your little one is squirming, crying, and in clear discomfort, they may have some trapped wind. Try supporting their chin with one hand while you pat their back with the other. Cycling their little legs like they are on a bicycle can also be a great help.


Hold Them

Don’t listen to the naysayers who say that you will spoil your baby by holding them too much. Cuddling, rocking, and having skin-to-skin time with your baby all have crucial benefits for their brain development. Not only that, but we are biologically programmed to want to hold, cuddle, and comfort our young. Plus, they are only tiny for a short amount of time, and you will be sure to look back at that stage with a lot of nostalgia. 


Take Them for a Walk

If all else fails, pop your cranky baby into their pram or carrier and take them out for a walk. Sometimes a bit of fresh air and a change of scenery can work wonders for your mood and theirs. Remember, while it is perfectly natural to feel more tightly wound as your baby gets more and more upset, they are also very responsive to your mood. This last tip can help both of you.


While it can sometimes feel like nothing you do works to soothe a cranky baby, you will learn different techniques to help calm your baby over time. A quick note: if you are worried that they are uncomfortable or unwell, don’t hesitate to consult a medical professional. 







5 Easy Ways To Slash Your Expenses Today

 

Photo: Micheile Henderson/Unsplash


There’s never a bad time to save a bit of money, right? The good news is, there are plenty of ways to reduce unnecessary expenditure, giving you more funds to direct towards your goals. To help you get started, check out these five easy ways to slash your expenses today: 


1. Enjoy everything you already have… just cheaper

One of the savviest things you can do to save money is to look for the same services you already use, but for a lower price. Maybe you can compare dental prices locally and switch surgeries, saving money on the family’s dental appointments. How about switching cell phone contracts for a better tariff? 


Don’t be afraid to shop around and switch up the companies you use for the services you need – it’s one of the easiest ways to cut your expenses quickly. 


2. Find the cut

More often than not, when expenses are running high, there is at least one ‘bleed.’ This is an area where money is spilling out of your account and you’ve not noticed. Your job is to find ‘the cut’ (aka, the source of the bleed). 


Good examples of this are things like gym memberships you still have despite not going for months, or insurance policies you pay for but don’t need. Where is the hidden financial wound that is causing you to lose more than you should be losing? Here are some ways to find out:

  • Check all your paper bills

  • Check all your digital bills

  • Check any regular direct debits

  • Look at any money management apps you use 

  • Check joint account histories 

  • Work out how much you pay on monthly expenses to compare against average costs 


By analyzing each and every outgoing that you have, you are likely to find at least one ‘cut’ that needs to be treated.


3. Learn to live a simpler life

Society is hooked on buying stuff that is not only bad for your wallet but bad for the environment. Statistics tell us that if everyone lived like a Western consumer, we’d need five planets to support us. The way we all consume, consume, consume is depleting natural resources and polluting the planet at speed. 


Do you need all those new furnishings? Do you really need that new phone? Learn to live a simpler life for a healthier bank balance and planet. 


4. Do all the free things

Making memories is definitely worth your investment. However, if you have more free fun, you get to bank memories and cut your expenses too. Here are some fantastic free fun ideas:


  • Go hiking – nature is good for you and you can burn 300-650 calories per hour too

  • Visit free museums and art galleries

  • Go tidal pool rummaging 

  • Go surfing or snorkeling 

  • Have a picnic made from food you already have at home

  • Go wild camping (if you have camping gear)

  • Have a movie fest at home with all your favorite films 


Making memories doesn’t have to cost lots of money, especially if you’re creative. 


5.Budget

If you’re a spontaneous spender who grabs those items stacked at the checkout, or who buys a new outfit without thought, you can cut your expenses by budgeting. This is an easy way to look at all your incomings and outgoings and decide how much you want to save. 


The tips above are a great start when it comes to cutting your expenses. If you’re honest with yourself and motivated to make a change, you can spend less and save towards the bigger financial goals that really matter to you.