Monday, August 19, 2019

How to consolidate debt with Keel Associates

Improving your financial status with the assistance of a credit consulting firm Keel Associates.

Debt is a sum of money being borrowed by a single or group of a person from another party (person or a company). The common form of debt is a loan. A loan can be categorized to a different type which a borrower can avail. If a borrower signed into a form of a loan, he or she needs to repay that loan amount into a scheme of payment which the borrower will agree in terms of the binding contract. That said contract is legal and can be subject to any legal action that can arise in the future.

Debt is a practice not just today but from the olden times, in the history, debt can be repaid using goods and commodities, there were also stories about debt being paid through a form of services.
  • Debt is money borrowed by one party from another.
  • Many corporations and individuals use debt as a method of making large purchases that they could not afford under normal circumstances.
  • In a debt-based financial arrangement, the borrowing party gets permission to borrow money under the condition that it must be paid back at a later date, usually with interest.
During my younger years, I was very impulsive with my purchases, the needs and wants were always combined making my expenses miserable. I wasn't able to balance the two and debt plus loans skyrocketed.  I had money debt from a friend and several salary loans from the government agencies. I was also lured to spend using my credit card, from which I purchased some signature bags and some gadgets which eventually I have learned that the value of these kinds of stuff I am hooked depreciates.  I suffered tremendously trying to budget the money that I have and more of the money that I do not have. When I started having a kid, that's the time I've learned to prioritize and took a big step-back with my spending. That is also when I started to pay off loans on time, making occurred interest lower and penalties were waived. After several years or so, I have decreased my debt down to 75% making life easier, less stress.

So, does credit, loan and debt are the same?

Credit, loan and debt can be interchangeable in whatever sense you can see it.

Credit is a broad term that has many different meanings in the financial world. It is generally defined as a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at a later date—generally with interest.
In some places, credits are being encouraged because this is how a person can be assessed with his credit value. Not unless you have that cash on hand to purchase goods, commodities, mortgage or even assets you have to rely on credit and loan.

But, if you can manage a credit-free-living for sure you can manage on currently on hand.

Decluttering your life with less credit is the key on how to successfully live within your means.

Monday, August 12, 2019

How to Get All the Vitamins You Need

Do you take your vitamins and other health supplements on a daily basis?

They say, eat good nutritious foods and a balanced diet can do the trick. Basically, food is the best source of vitamins- but sometimes it is not enough that you eat three times a day to sustain your body's need for energy and growth, you also need to nourish your body with vitamins and supplements. They can help aid with the loss and lack of nutrients from what we are taking and as well as combating the exposure to harmful effects that surround us.

Also, another fact, our body tends to lessen the absorption of vitamins from the food we eat as we grow older. That is why we need to take supplements to aid this loss.

Vitamins are widely promoted, the variety of brands are endless; whether locally produced or imported from other countries. It is also one of the biggest industry when it comes to nutrition, health, and wellness. Multivitamins come in many forms such as pills, liquid, and also powder-based. You can choose what is best for you, the availability and of course, budget-wise. It can also support a specific need of your body.

Daily intake of multivitamins can boost all the needed nutrients in small doses, from A-Z. Individually prepared vitamins and minerals target the specific needs. The dosage depends on age and body weight. Some of the things needed to be considered. Also, there are prescription vitamins that your physician can require due to some impending medical condition.

I was prescribed by my doctor months back to add Vitamin B-complex to my daily vitamin intake; which is Vit. C, iron supplement and calcium. I was convinced by the sales clerk at Watsons pharmacy a local drugstore to add more than my prescription vitamins to save more. Since it was vitamins I was not hesitant to buy and stock up. Surprised to see that I saved almost 40% of the total cost of my purchased Watsons brand vitamins.

Watsons Comply N Save made me save Php247.50 (US$4.86) from the total of Php825 (US$16.17). That is Php5.77 (US$0.12) for three vitamin tablet daily.

100 tablets each of Vit.B complex, Vit.C, and Ferrous Sulfate, that will last for 100 days/3months use. This can be shared with adult family members. 
Along with your fruits, vegetables, and grains, incorporate your diet with vitamins for a healthy body.

Are you very particular with the brand of your vitamins? 

Wednesday, August 7, 2019

Easy 15- Minute Salmon and Spinach Recipe
Salmon Belly Strips in Oyster Sauce + Steamed Spinach with Sesame Oil

Food prepartion can take a whole lot of time especially when you did not prepare it ahead of time. The key to preparing healthy meals in less time possible is to plan the meals and have your ingredients readily available. 

For us, we make it a point to do our grocery food shopping every weekend, not unless we need something urgent. Since we are shifting to a more "healthier" eating by shifting to more protein from fish rather than pork, we always include salmon belly strips in our basket. Although, we often got the frozen one's we are sure that  it was sealed and packed fresh. Also, the price is reasonable compared to buying salmon in the fish market. 

In the photo, I used a pack of Norwegian Salmon Belly Strips, about half a kilo, frozen, thawed, and rinsed. This dish took only 15 minutes to cook including the steamed spinach.

How to cook: 

  • Thaw, rinse and lay the belly strips in the cooking pan.
  • Add 2 tbsp  oyster sauce (any brand)
  • Add 1/2 cup water
  • Add 1/2 tsp salt ( I used Himalayan Pink Salt for this reipe)
  • minced chili pepper (siling labuyo)
  • chili powder
  • ground black pepper
Cover the pan and bring it to a boil, once it boil simmer it in low fire for 15minutes. You can add more spices according to your preference. 

Simultaneously prepare one pack spinach leaves, rinse and drain water. Use your favorite steamer or improvise. Do not add any water while cooking. In less than 3 minutes you can remove it from cooking, drizzle sesame oil and you can add roasted sesame seeds too for the extra flavor. 

The dish can also be perfectly paired with streamed while rice.