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How To Survive January Money Hangover

3,150 total views, 5 views today

Let’s face it: January is the worst month of the year. Aside from the complete loss of Christmas

cheer, it brings all manner of unpleasantries when it comes to your finances – ranging from
the 31 January self-assessment tax deadline to the inevitable credit card bills.

That being said, there’s plenty you can do to make your money stretch further this January, and beyond.
And here are the tips of what you can do to survive the toughest of months.

Start Budgeting

If you only make one New Year’s resolution, make it about budgeting. It’s so easy to quickly spend more than you have coming in, which leads to the inevitable overdraft fees or credit card charges. The Money Advice Service estimates 15 per cent of us never plan our finances by budgeting, which can create all
manner of problems if money is tight. You’ve probably seen plenty of articles and TV programmes or listened to countless experts on
the radio talking about the benefits of budgeting, and may have dismissed what you’ve heard as unattainable. In fact, there are some really simple things you can do to keep your finances afloat.

Building a money plan

There are some outgoings you have to cover – the weekly shop, mortgage or rent, utility bills and Council Tax being the most prominent ones. Others are easy to brush off to the back of your
mind. You can probably put home and car insurance into this category. With a budget in place it is easier to cover these expenses, and to live within your means. Or course, it is always a good
idea to save a little extra to cover unexpected expenses such as plumbing or heating issues, or
birthdays and other celebrations.
The first thing anyone in need of a budget must do is look for ways to cut back. This can be
difficult, but it’s not impossible. Food shopping is a major expense and one many of us can address without losing out. You can often save money by opting for own-
brand products, and by sticking to what you have on your shopping list. There’s a reason why
supermarkets place all the goodies by the tills – they know you’re going to be stuck there, queuing, bored and tempted to pick up
chocolates. You’d probably be better off bulk buying a little more veg or meat and making casseroles, stews and so on that will provide you with several meals.

Incidentally, this approach could save you a fortune on takeaways, if you remember to get them out of the freezer.

Tips and tricks to save money when shopping

Sell, sell, sell

While you’re in the process of slashing your weekly shopping bill you could raise some extra cash by selling your unwanted wares.
Online auctions and markets such as OLX are probably the easiest way to get shot of items that are just getting in the way, but there are plenty of others out there for anyone looking to have a proper clear-out. Sure, you could wait for the summer to de-clutter, get up with the Sunday dawn and flog
your unwanted things at a boot fair. But why wait when you can do it all from the comfort of your
own duvet? Early mornings are overrated anyway.

Switch and slash

Summer’s a way off, so let’s concentrate on now. January is traditionally a quiet month, with a lot less on the social calendar than December. It’s a good time to review your finances and consider whether you’d be better off switching banks or even your energy provider. You could save a
pretty penny with relatively little effort. It’s also worth contemplating what you spend each month on subscriptions, such as for a TV service, and avoid the January sales – which suck people into buying things they can live without.

Finally, don’t fall foul of the ominous New Year’s resolution to join a gym. Many people look at the New Year as a time to lose weight and get fit, but while signing up to, or continuing with a gym subscription will doubtless cost you pounds, they won’t be the ones you want to lose – especially if you are tempted by those checkout chocolate
bars.

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Lifestyle

Signs That Your Relationship Is Going Down The Drain

13,019 total views, 24 views today

You have been so in love with your partner that your friends are envious, been so good to each other that argue less than compatriots. However, of late you don’t understand the turn taken by the relationship. According to experts, if your seeing signs such as these ones then consider your relationship done.

He or she is constantly annoyed of you
Your partner used to be very cheerful and enthusiastic spending time with you however not the case of late, he or she is very moody and it feels like he or she is angry with you but you don’t what you did wrong.

Limited communication

You used be that couple that told each other everything no matter the extent and magnitude, however, you feel neglected and ignored, your partner says less and would rather do something else rather than talk to you, he or she is always distracted when your talking to them and it feels forced.

Escalating arguments

According to experts, arguments are the most healthy way to solve issues and in fact it’s deemed natural for couples to argue and fight, however, of late arguments and fights are rather prevalent and quickly turn physical even violent that even minor issues could escalate into the biggest fight.

You think he or she is cheating.

You trusted your partner 100% and quickly laughed off any rumors in fact any one who knew you as a couple could downgrade the rumors. However, it’s not the case any more, rumors are so often, he or she has become very secretive midnight calls, over passworded phone is and he or she is always asking you for privacy.

He or she avoids skin ship

Way back, you were the most envied couple as you had episodes of PDIs (Public display of Intimacy) kissing in club, walking hand in hand and couldn’t seem to keep each others hands off each other however, that doesn’t happen any more, it seems like he or she is avoiding skinship, touches you less and less and it feels like its uncomfortable.

No sex

This is a deal breaker, u haven’t had sex in like forever yet way back, you had sex every time you were behind closed doors. Yes, there is some healthy sexual tension in every relationship. However, you feel it’s not the case, he or she is always giving excuses and they can’t seem to end.

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Lifestyle

How Miss Karamoja Ayen Is Fighting To Take Karamojong Kids Back Home

10,783 total views, 24 views today

By Samuel Frencha

Miss Tourism Karamoja 2018, Emily Ayen, over the weekend gave back to the street kids staying in Katwe Surbub as part of her move to lure them back to Karamoja.

In partnership with ‘Bring A Smile’ a non governmental charity agency created by youth from different parts of the country, she managed to offer some food stuff, sanitary pads and other basic materials to the young kids plus participating in general cleanliness activities.

Miss Karamoja Emily Ayen (middle) during her charity in Katwe

The reigning Miss Tourism Karamoja, who hails from war torn apart Northern Uganda, says the goal of this initiative is to have a smiling generation of young ladies achieve their dreams amidst the limited resources.

“We  want to be a rising sun on the landscape of a place we call home and take good care of it by making people smile within and else where”Ayen asserted.

Emily, who deeply interacted with some of the kids unfolded that some of them have been victims of child trafficking and have found themselves with no choice but to resort to begging and commercial prostitution as a way of raising income to help their families.

And she purports that through charity, a difference can be made.

I believe that giving charity to the Karamojongs back home will give them no reason to come to the city to beg and also those in the city when they see people at home receiving more than what we offered them will be motivated to go back home.

In the long run, i also want to support the young ladies to take part in craft making. Karamoja beads are so beautiful that if they can make many of them, they will not only earn a living but will also become occupied to think of commercial sex as an option” – Ayen said.

She urged for support from well wishers towards her fundraising activities which she reckons are aimed at changing lives of these kids.

For instance this Easter, we intend to have a “Tour Karamoja Educate A Child Trip” aimed at fundraising tuition for the children we interacted with and are willing to go back to school. We also intend to conduct a cleaning campaign too because health is paramount and above all we want to put and end to the trafficking of our people for labour and sex that has become rampant” – She said.

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Lifestyle

Pastor Lukau Admits Resurection Of Dead Man Was Stage Managed

7,121 total views, 24 views today

Controversial South African preacher Alph Lukau has confessed that the resurrection of a dead man was stage managed.

Alph Lukau addressed his Alleluia International Ministries church for the first time on Sunday since a video emerged of a man being resurrected and sitting up in a coffin.

According to Eyewitness News, Lukau told his congregation that miracles are not appreciated.

“When we speak about miracles, we are talking about something that has gone beyond the rationalizations of what we accept as norms.”

Pastor Lukau regretted the whole ordeal in an interview with Power FM’s Drive host, Thabiso Tema.

“Before entering the premises of the church, the coffin began to shake, meaning the person was alive. I am really sorry for the misrepresentation of facts, the man was not dead and has never been in the mortuary as we earlier said,” Mr. Lukau explained.

At the time when the scandalous resurrection occurred, Lukau said he was on his routine duty of preaching the gospel like any other Sunday when he was interrupted and told that a dead man in a coffin was brought to the church.

“We are the house of God and I’m just a pastor serving in the house of the Lord. But I am sorry that we didn’t tell people the truth in the first place,” he added.

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