10 Things You Shouldn’t Do When You’re Broke

10 Things You Shouldn’t Do When You’re Broke Whether being broke is a permanent state for you, or you’re just passing through a bit of hardship, there are a few lifestyle adjustments it would be prudent for you to make in order to not end up in a mountain of debt. Being broke is also incredibly stressful- you’re constantly worried about your bank balance and how you’ll afford necessary purchases. Why add to the stress?Here is a list of good things to avoid doing if you’re having trouble making ends meet.1. SmokeSeriously. Apart from the fact that it will eventually give you cancer (aka huge medical bills), it’s incredibly expensive to keep up. You’ll live longer and find you have a lot more spending money week to week.2. DrugsDon’t smoke anything else either. People can tell and won’t hire you. You’ll have to constantly worry about passing random or job-related drug tests, and you’ll be spending a lot of money you just don’t have.3. Join a GymFitness i s a great thing, but can be achieved much more cheaply than by getting a monthly (spendy) gym membership. Go running. Do push-ups and crunches. Try the Scientific 7-Minute Workout. Find yoga videos for free on YouTube. Figure out how to exercise for free- it’s super simple these days.4. Look Down on WorkAs long as someone’s job is legal and ethical, it’s no business of yours to look down on it. Maybe you should even consider the service industry. Answer phones, wait tables, clean houses. Just get yourself back on your feet.5. Make ExcusesChances are it’s your responsibility. Unless you’re caring for a sick loved one or facing enormous medical bills yourself, you probably were just living beyond your means. Own the position you’re in and take action to dig yourself out of your financial hole.6. Take Unnecessary VacationsIf you can’t keep up with your rent or car payments, then whatever extra cash you think you have for trips or weekend s away should probably be put to more constructive use. Don’t be flagrant when you can’t afford to be.7.  Go Out to EatAvoid restaurants. You can’t afford them. Seriously. Cook for yourself and bring your lunch- leftovers are your friend. That goes for buying coffee as well; get to know your Mr. Coffee- your new regular coffee shop! If you must go to a movie, smuggle cheaper snacks in in your handbag instead of shelling out for concession prices.8. Upgrade Your StuffNow isn’t the time to get a nicer car or move to a nicer neighborhood. You can’t afford the extra cash you’d need to get this done- or the loan payments. Stick with your station for a while longer until you can afford to move up.9. Ignore the BillsYou may cringe whenever a new pile shows up in the mail, and want to hide under the covers and hope that all your bills just go away. But they won’t. Open them. Call the companies. Set up payment plans. Be proactive. It’ s much better than blissful ignorance- which can still eat you alive with stress.10. Create WasteDon’t drive anywhere further than you have to. Consolidate errands to consolidate gas. Don’t go on lavish dates- simple ones will do and are often more romantic anyway. Don’t waste water or gas or electricity in your home. Don’t pay to do anything you could do yourself (car washes, house cleanings, lawn mowing). And don’t take on any extra expenses that aren’t absolutely necessary. Actually reading that magazine? Probably not. Cancel cancel cancel.

Tips for a 5th Grade Student Entering Middle School (6th Grade) Essay

Tips for a 5th Grade Student Entering Middle School (6th Grade) - Essay Example unior school to the middle school results in the same feelings for every student; however, it brings new opportunities to develop and prove your capabilities in front of rest of the world (Consalvo, 2005). In brief, the 3-year journey at the middle school is all about the notion of change that plays an influential role in a student’s life, and that decides the nature of experience a student has during this period (Haffner, pp. 105-108). Transition from a senior at the junior school to a junior at the middle school requires a number of changes from a student, and it is very important that the student to prepare himself/herself for the expectations of the higher platform. In the junior school, I was a child or merely a kid depending on parents at home, teachers at school, and friends in the playground. However, middle school provided a sense of independence to me that every child acquires at the commencement of the middle school (Haffner, pp. 105-108). Thus, the foremost recommendation is to remain prepared for new surprises, challenges, tasks, etc while facing them as opportunities to become successful in the school. In this regard, independence is the major attribute of the middle school; however, it comes with the responsibility of fulfilling obligations individually. This may seem fun-filled experience, and it was a thrilling journey; however, it did require many efforts. For instance, academically, schoolwork suddenly becomes more difficult, as things transform from descriptive to analytical, and teachers expect students to be more logical and interpretive in their thoughts. On contrary, I was depending all the time on teachers and parents to help me in the schoolwork during the junior school; however, this practice changes when parents, as well as teachers start depending on the students to put efforts and prove the skills. Besides academic complexities, middle school is also the period of transition from a child to an adult physically, and these physical

Managerial accounting Essay Example | Topics and Well Written Essays - 1000 words

Managerial accounting - Essay Example Utilization of manufacturing overhead: over application or under application Under application or over application of manufacturing overhead is given by the difference between expected costs and actual costs. Expected overhead cost for December= $ 200000 Actual costs= number of machine hours *rate per machine hours =6000*30 =180000 Therefore Under application of manufacturing overhead = expected coast- actual cost =200000-180000 =20000 Under application of manufacturing overhead cost during December is $ 20000. Balance in finished goods inventory account on 31 December Finished goods inventory consist of the N11- 013 goods. The cost of finished inventory is therefore the total cost for N11-013. Total cost = direct materials+ direct labor+ overheads =8000+ 24000+ (1000*30) =32000+30000 = 62000 Therefore, closing finished goods inventory is equivalent to $ 62000. ... th ended 30 November Physical units materials conversion total Beginning WIP 1600 - 800 Units started and completed 34000 34000 34000 Ending WIP 2000 2000 1000 Equivalent units 37600 36000 35800 Manufacturing costs 265680 172320 438000 Cost per equivalent units 7.38 4.8134 12.1934 Assigned costs Completed and transferred 250920 163655. 6 414575.6 Ending work in progress 7380 2406.7 9786.7 Where the value of equivalent units is obtained from the formula Equivalent units = beginning WIP+ units started completed + ending WIP Cost of ending work in progress = unit cost*(*2000*50%) (Heisinger, p. 163) Question 3: Carvings for Cakes Pty Ltd Excel spreadsheet for calculating cost per unit of activity driver activity cost quantity cost per unit activity prepare annual accounts 5000 #DIV/0! process receivables 15000 5000 3 process payables 25000 25000 1 program production 28000 1000 28 process sales order 40000 4000 10 dispatch sales order 30000 2500 12 develop and test products 60000 #DIV/0! load mixers 14050 1000 14.05 operate mixers 45900 200000 0.2295 clean mixers 6900 1000 6.9 move mixers to filling 3450 200000 0.01725 clean trays 20000 16000 1.25 fill trays 16000 800000 0.02 move to baking 8000 16000 0.5 set up ovens 50000 1000 50 bake cakes/ pastries 130000 1000 130 move to packing 40000 16000 2.5 pack cakes/ pastries 80000 800000 0.1 inspect pastries 2500 50000 0.05 Bill of activities for Lamington bill of activities for Lamington cost rate cost drive level activity cost process receivables 3 500 1500 process payables 1 200 200 program production 28 100 2800 process sales order 10 400 4000 dispatch sales order 12 500 6000 develop and test products 600 load mixers 14.05 100 1405 operate mixers 0.2295 30000 6885 clean mixers 6.9 2000 13800 move mixers to filling 0.01725

Literature Review Essay Example | Topics and Well Written Essays - 1250 words - 1

Literature Review - Essay Example These in most cases are caused by different need, or ideologies that we experience when we are brought together. Absence of negotiation can worsen the differences hence unstable relationships between societal members. This paper presents a thoughtful literature review of the importance of negotiation skills with reference to various scholarly articles and books. ElShenawy views negotiation as an important managerial skill which the success of the global environment relies on. Additionally, most interactions need the aspect of negotiation. This makes skilful negotiators are perceived as useful assets that are capable of increasing the financial performance, maintain good customer relations and ensure worker’s satisfaction (ElShenawy, 2010). Arguably, skills are very essential in the growth of any organization as it promotes understanding and inter-relationship among individuals in the organization. Today, most organizations are interested in employing individuals that are well equipped with appropriate skills like listening skills, and negotiation skills. According to Taylor, Mesmer-Magnus and Burns individuals’ ability to effectively negotiate with others like their coworkers, superiors and their juniors hence effective global workforce (Taylor, Mesmer-Magnus, & Burns, 2008). ... Ideally, skills in negotiations involve the ability to be persuasive and assertive and not confront other parties. These skills promote the effectiveness in negotiation process. Generally, communication skills are very essential in our daily activities and relationships. The only way to solve a dispute is exert the key negotiation skills in the process. However, negotiation is in most cases influenced by the power of the two parties, how they are able to influence others matters. According to Ahn, Sutherland and Bednarek, how the parties influence each other enhances the willingness to reach an agreement (Ahn, Sutherland & Bednarek, 2010). This simply means that the agreement reached to solve the differences between two parties is ideally based on the level of influence that the parties involved have towards each other as well as the case presented, and the third parties present. Briefly, steps followed while negotiating include preparation, discussion, and clarification of goals, wi n-win outcome, agreement, and implementation of the course of action. Equally, all parties involved have to participate in the negotiation process. The venue to discuss the problem, time limit, and presence of all facts of the situation need to be clarified in order to avoid further conflict and wastage of time. Then, parties involved are given opportunity to air out their views of the situation. Here, they are encouraged to listen, question and ensure clarification of ideas as each side given equal chance to present their cases. Thereafter, the two parties’ goals, interests and viewpoints need to be clarified to found a common ground. Followed by negotiation for a win-win outcome where both parties feel that their views have been taken into LITERATURE REVIEW Essay Example | Topics and Well Written Essays - 1500 words - 1 LITERATURE REVIEW - Essay Example The study subjects were categorized by sex and age after which their demographic data was taken. cyanobacteria isolates were cultured in sterile inorganic media. The research was conducted using skin patch technique in which the nurses prepared subjects’ backs using acetone and the patches applied (Ian, Ivan, Penelope, Philip, & Glen, 2006, p. 2). The patches contained aqueous suspensions of cyanobacteria which were applied for 48 hours. Dermatological assessments were carried out after 48 and 96 hours of application. The subjects were advised to keep their backs clean and not to participate in any vigorous activity that might interfere with the patches. The hypothesis that was evaluated in this research was to assess the potential of cyanobacteria to cause skin hypersensitivity reactions. The literature review mainly covered two variables: cyanobacteria and skin patch technique. These are the most important variables since they form the core of the research hypothesis. The li terature review starts by describing what cyanobacteria are and associated public health risks. Skin rashes have been reported as a result of exposure to cyanobacteria. Usually, these rashes are very pruritic and itchy (Ian, Ivan, Penelope, Philip, & Glen, 2006, p. 2). In order to understand the hypothesis, conditions that favor growth of these algae and their health effects have to be known. This literature review was therefore, very relevant to the hypothesis. The author also gives information on the reports arising from exposure of cyanobactreia especially in recreational situations. The fact that few of these reports have been reported for domestic water supplies is also reviewed. From the literature it can be seen that skin patch testing has been in used as a procedure for testing effects of cyanobacteria since 1900s (Ian, Ivan, Penelope, Philip, & Glen, 2006, p. 2). It is also indicated that 20-24 percent of volunteers reacted to cyanobactreia in a study by Pilotto et al (Ian, Ivan, Penelope, Philip, & Glen, 2006, p. 2). Therefore, the use of skin patching to assess the effects of cyanobacteria has been used successfully in several studies. This means that the same procedure can be used in this research and give good results. The literature review used in this study fully supported the research hypothesis. In the literature review the author points out that reports of skin rashes as a result of cyanobactreia have been reported. Most of these cases are as a result of recreational exposure. Very few cases have been reported as a result of poor water treatment facilities hence their presence in water supplies (Ian, Ivan, Penelope, Philip, & Glen, 2006, p. 2). There is a gap in information concerning cyanobacteria in water supplies. The literature review was somehow biased. This is because the researcher only covered two aspects (cyanobacteria and Skin patch testing) in the literature review. It could be more interesting if the author could incorporate hyper sensitivity in the literature review. Important information to be included would include types of hypersensitivity caused by cyanobacteria and long term effects of these hypersensitivity. Nevertheless, the review on cyanobacteria and skin patch testing presented in the paper gave a good background information about the field of study. Therefore literature review can be used to form a good base for a research. The literature review mainly concentrated on primary information sources. This

Financial ratio analysis Essay Example | Topics and Well Written Essays - 1500 words

Financial ratio analysis - Essay Example The main value of the company lies in providing tasty and healthy foods to the customers by maintaining good quality and reasonable price. The vision of Sainsbury is to be the most trusted retailer, where the customers and employees prefer to shop and work respectively (J Sainsbury Plc., 2015b). During 2014, the underlying sales and profit before tax of the group increased by 2.8% and 5.3% respectively (J Sainsbury Plc., 2015b; J Sainsbury Plc., 2015c). The graph provided below shows the improvement in confidence of the consumer over the past five years. The financial statements of the company are prepared according to International Financial Reporting System (IFRS) (J Sainsbury Plc., 2015c). The company has adopted IFRS as its accounting policies as it is followed in the European Union. Moreover, financial data in the statements are presented in sterling million. It is also prepared with the help of going concern method under the convention of historical cost (J Sainsbury Plc., 2015c). The main purpose of the report is to highlight the financial performance of J Sainsbury Plc through financial ratio analysis. The ratios during the year 2009-2014 are calculated to get a knowledge regarding the financial strength of the company. However, there are various limitations of ratio analysis, which are also depicted in the report. The ratio analysis of Sainsbury is executed in order to understand the financial status of the company. The profitability, efficiency, liquidity, leverage and investment ratio are calculated in order to depict the financial condition of the company. 1) The gross profit margin has increased over the years from 2009 to 2014 as the sales revenue has improved due to the increase in consumer confidence. The cost of sales and the sales revenue is balanced, which have maintained stability among gross profit margin of the years. 2) The net profit margin has remained steady over the years from 2010- 2014 at 3.0%; however, it has

Navigation app for iOS Literature review Example | Topics and Well Written Essays - 750 words

Navigation app for iOS - Literature review Example This framework is designed to work with the newly introduced M7 coprocessor that is dedicated to handle motion sensors without reducing the battery performance of the device. It gives the developers accurate data about the users, which they can later make use of in their applications. For example, a developer can find out whether the device is currently with an individual who is in the act of walking, or with someone who is travelling in an automobile etc, without actually processing the accelerometer’s data. Core Motion Framework provides answers to such questions through constants defined by the classes of framework. â€Å"Now Core Motion has been around since iOS 4.0, but the iOS 7 includes the new classes needed to access data from the M7. The two main classes used here are CM Motion Activity Manager and CM Motion Activity. These two classes work hand in hand to make work the motion activity updates† (Graves 2014: 1). Most iPhones contain an accelerometer and 3 axes Gyroscope built into them, which provide the device with 6 operational axes when used together. This axis data and motion data populated by the M7 co processor could be used along with Map kit or any other third party Map API to create great navigation apps. The gyroscope data as well as gravity sensor data are also used for building motion sensitive gaming-applications. Various class references of Core Motion framework include â€Å"CMAttitude, CMAccelerometerData, CMDeviceMotion, CMGyroData, CMLogItem, CMMagnetometerData, and CMMotionManager† (Aguinaga 2013: 9). The Map Kit framework is used for embedding custom maps into iOS application windows. The 5.1 version and the previous ones basically made use of Google Maps API for displaying the maps through the MapKit framework. â€Å"This framework also provides support for annotating the map, adding overlays, and performing reverse-geocoding lookups to determine placemark information for a given map

Financial ratio analysis Essay Example | Topics and Well Written Essays - 1500 words

Financial ratio analysis - Essay Example The main value of the company lies in providing tasty and healthy foods to the customers by maintaining good quality and reasonable price. The vision of Sainsbury is to be the most trusted retailer, where the customers and employees prefer to shop and work respectively (J Sainsbury Plc., 2015b). During 2014, the underlying sales and profit before tax of the group increased by 2.8% and 5.3% respectively (J Sainsbury Plc., 2015b; J Sainsbury Plc., 2015c). The graph provided below shows the improvement in confidence of the consumer over the past five years. The financial statements of the company are prepared according to International Financial Reporting System (IFRS) (J Sainsbury Plc., 2015c). The company has adopted IFRS as its accounting policies as it is followed in the European Union. Moreover, financial data in the statements are presented in sterling million. It is also prepared with the help of going concern method under the convention of historical cost (J Sainsbury Plc., 2015c). The main purpose of the report is to highlight the financial performance of J Sainsbury Plc through financial ratio analysis. The ratios during the year 2009-2014 are calculated to get a knowledge regarding the financial strength of the company. However, there are various limitations of ratio analysis, which are also depicted in the report. The ratio analysis of Sainsbury is executed in order to understand the financial status of the company. The profitability, efficiency, liquidity, leverage and investment ratio are calculated in order to depict the financial condition of the company. 1) The gross profit margin has increased over the years from 2009 to 2014 as the sales revenue has improved due to the increase in consumer confidence. The cost of sales and the sales revenue is balanced, which have maintained stability among gross profit margin of the years. 2) The net profit margin has remained steady over the years from 2010- 2014 at 3.0%; however, it has