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How To Survive January Money Hangover

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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

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Can Love And Money Be Intertwined?

3,179 total views, 20 views today

By Joash Kalogoyi

As we approach Valentine’s Day, many couples have made plans to go to the most lavish hang outs in Kampala, purchase expensive gifts, book expensive hotels and buy expensive clothes just to celebrate their love.

So could it be that you need money to make love in this generation and age? Stories of students spending their tuition for Valentine’s Day, people getting in debt and others resorting to crime to be specific theft just to prove that they love their partners on Valentine’s Day. Is it really worth it?

Mostly, this is due to pride an vanity every couple wants the most expensive gifts, best hotel and restaurant reservation, the biggest bouquet of roses goes experts.

Back then the saying went money can’t buy love yet it seems nowadays one needs lots of money to make love, this leaves the question what went wrong with love?, how’s love back then different from love nowadays?

According to experts money is deep twined in love as most divorces are as result of money and most couples talk about money before getting married.

The reason why it’s like that experts argue that because of the stability brought by money however further claim money can’t do everything citing the law of diminishing returns am more money maynot guarantee more happiness.

Although having money can create the best memories that’s trips abroad, dinner at the best restaurant, a night in the suites however this ain’t all is needed to feel happy.

Experts continue saying that finding out what you have in common with your partner and capitalizing on it could make you as a couple just as happy as another that spent a night a good restaurant or trip abroad.

Small things like making dinner together, watching a movie, listening to music just to mention but a few could make a huge difference yet money isn’t involved.

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SK Mbuga’s Wife Pens Down Emotional Letter To Rotting In Jail Husband

4,671 total views, 16 views today

By Samuel Frencha

It’s  nearly a year since socialite and business man SK Mbuga was arrested in Uganda and jailed in Dubai over fake gold deal but his wife Vivianne has only words of appreciation about him.

Vivianne has penned down an emotional letter to Mbuga who was arrested over allegations of conniving with her to defraud  Sten Heinsoo, a Swedish man, money worth UGshs 23 billion in a ‘fake gold deal’ thanking him for all he has done for her in her life.

The letter reads:

“I know my life is not perfect but i thank u for all u’ve given me, the roof over my head,the fancy material things, the food on my table plus alot more. Am so sorry if i’ve ever been ungreatful lord. Someone is dying rite now, someone is dying of hunger.

Someone has lost a mother or father lord atleast am alive plus my family. Thank you for giving us life. My husband’s situation is not good now but I know it’s not permanent. Thanx for giving him life. I’ll forever be greatful lord.” she posted on her social media.

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8 Common Sex Problems And How To Solve Them

4,025 total views, 16 views today

The next time you’re standing in line at the grocery store, check out the glossy headlines of the women’s magazines that line the stands: “What Men Hate Most in Bed” or “What He Wants You to Know, but Will Never Say.” Men’s magazines echo the same theme: “What You Should Never Say to a Woman in Bed,” “Why She Won’t Have Sex With You.” We all want to know: what are my partner’s sexual complaints? What can I do about them?

The truth is, both men and women tend to complain about the same things when it comes to sex, particularly when they’re in a long-term relationship. Here are eight of the most common complaints I hear from couples, along with suggestions to turn a partner’s frown upside down.

1. Laziness.

If your partner has stopped doing his or her share between the sheets, first try a subtle approach. Playfully lament how much you miss his or her trademark move in bed, whether it’s a turn, twist, or tweak. A friendly reminder that it takes two to tango may be all that’s required. If that doesn’t work, go for a more straightforward approach. Gently tell your partner that you’ve noticed he or she doesn’t show the same initiative and ask why. If no explanation is forthcoming (and if you’re certain there are no medical issues), be honest about how his or her lack of enthusiasm in bed is taking the fun out of sex for you, too. If your partner is invested in your relationship, he or she will step up to the passion plate. Meanwhile, it may be a good time to review your own rambunctiousness. A lazy partner isn’t worth the effort, in or out of bed.

2. Boredom.

Can you set your watch to when he’ll turn you over? Do you see her kiss coming a mile away? Long-term sex with the same person can eventually become predictable. And while there’s something comforting about sexual familiarity, it can breed contempt if it’s the only dish on the menu. To break out of bedroom boredom, experiment with different positions, focus on improving your sexual skills, or surprise your partner by telling him or her an erotic fantasy or dirty dream to kick-start your sexual imaginations. Change the way you behave in bed. If you’re usually quiet, wake up the neighbors. If you’re usually vocal, tone it down. If you’re typically slow and steady, pick up the pace. For added buzz, hide a sex toy under your partner’s pillow, whether it’s a high-tech vibrator, a feather tickler or a warming/cooling lubricant.

3. Ignoring the Connection between Emotional and Physical Intimacy.

Theway a couple treats each other outside of the bedroom has a direct effect on the quality of their love life. Nasty, nagging and negative partners rarely enjoy five-star sex. Strengthen your relationship by improving communication, prioritizing couple time, making your partner feel appreciated, and approaching conflict with humility, an open-mind and a team-player mentality. Replace the criticism or contempt in your voice with a respectful, affectionate tone. Do the “little things” that you know will help your partner have a happier day. It’s your best bet for a hotter night.

4. Electronic Interlopers.

Laptops, tablets, iProducts and smartphones have a way of sneaking into the bedroom and e-undermining a couple’s private downtime. When you reply to a text or update your Facebook status instead of snuggling your sweetheart, you inadvertently send the message that your partner is not as interesting or important as the person on the other end of whatever gadget is in your hand. Make your bedroom a technology-free zone. Charge your cell phone on the kitchen counter and leave your laptop in the living room. Reclaim your bedroom for the two of you.

5. A Negative Body Image. 

Body changes are inevitable in long-term relationships. We get pregnant and give birth. We age. We gain weight and lose our hair. Health problems and everyday stress also take their toll on the body. Our fitness levels go up and down. These changes can make couples self-conscious about their bodies, prompting them to cover up more and have sex less. To improve body image, couples should share a healthy lifestyle. As importantly, they should continue to compliment each other’s appearance and desirability. Beauty truly is in the eye of the beholder.

6. Disparate Sex Drives.

If you’re the one with a naturally higher sex drive, don’t pester your partner, whine when you don’t get it, criticize their lower drive or threaten to get sex elsewhere. Act like a grown-up. If your drive is exceptionally high, some “alone time” can take the pressure off your partner. If you’re the one with the lower drive, recognize that there is a connection between physical and emotional intimacy, and that your partner’s reasonable and respectful requests for sex are important to your bond as a loving, long-term couple. There is no magic number. The key is balance.

7. Missing the Connection between Mental and Physical Arousal.

Most intimacy guides stress the importance of better techniques, new positions and sex toys, all things that make sex feel better. That’s fantastic, but it’s only half the equation. Couples should also focus on stimulating the largest sex organ — the brain. Sex is at its best when partners are both mentally and physically turned on.

8. Exhaustion.

Good old-fashioned fatigue is a leading bedroom complaint of today’s busy couples. To combat it, approach your bedtime routine as a team. Ask what you can do to help your partner power down without powering out. You can finish the supper dishes, put the kids to bed or give your partner some space to finish his or her work files. If your schedules are similar, you should be going to bed at the same time. Not only does it increase your chances of being intimate, it shows your partner that you’re in it together

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