Stop Making These Costly Hair Mistakes

 

No one knows your hair better than you do. But is it possible that in your efforts to keep it healthy and looking good, you are washing money down the drain needlessly? Consider these mistakes many people make.

Some rights reserved by Bellafaye Garden

Some rights reserved by Bellafaye Garden

Mistake: Expensive shampoo. Come on … ‘fess up. You feel guilty using $.99 shampoo because it’s really bad for your hair. And anybody knows the $24 salon variety is so much better especially for chemically treated hair, right? Wrong! Price has nothing to do with it.

The secret to shampoo intelligence is to know your detergents. Look at the list of ingredients. Water (or some fancy name for it) will always be the first ingredient. Next comes the detergent. It’s tricky, so keep this list handy.

  • Ammonium Lauryl Sulfate – very harsh
  • Ammonium Laureth Sulfate – harsh
  • Sodium Lauryl Sulfate (SLS) – still harsh
  • Sodium Laureth Sulfate (SLES) – mild, great choice
  • TEA Lauryl Sulfate – gentle, good choice
  • TEA Laureth Sulfate – gentle, also a good choice

How I Gave My Small Desk a Big Makeover

 

If there’s one thing I know about myself, it’s this: I don’t work well in chaos. Recently I came to terms with my office. Specifically, my desk.

I have a fairly small desk, by design. I have just enough space for my computer and a couple of monitors. The desk has only three small drawers that are so full of clutter, I can barely coax them to open. Upgrading to a larger desk with great big drawers is not a solution for me because I know myself. Without intervention of some kind, I’d manage to load up that big desk, fill up all of those drawers and end up with an even bigger dilemma.

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I think I’ve figured out why this happens. When I’m working and I need something like a pen (or perhaps the phone?), I need it now. This moment. I don’t have time to rummage through stacks of paper, books and manuscripts or these minuscule drawers to find a pen that actually works. When I can’t find what I need when I need it, it makes me want to chew my hair. 

The High Price of Sitting Down

 

Healthcare. It’s on everyone’s mind these days, and for good reason. Between the soaring cost of health insurance premiums, increasing co-pays and skyrocketing deductibles plus the outrageous cost of some medications—it’s enough to give you a heart attack.

But lest you think there’s nothing you can do to keep your family’s healthcare costs under control, I have good news. You can. You have the power.

Some rights reserved by Victor1558

Some rights reserved by Victor1558

The best way to cut medical costs is to prevent them in the first place. I am talking about lifestyle, small changes to save you money and improve your quality of life. 

How to Cook the Perfectly Boiled Egg

 

Eggs. They’re nutritious, delicious and cheap! Cooking them properly is quite simple, provided you know the secrets.

A perfectly boiled egg has a yolk that is set all the way to the center and it is clean, beautiful yellow color with no hint of ugly green where the yolk and white meet. A perfectly boiled egg slides smoothly away from the cracked shell.

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Prick the shell. Us a push-pin or needle, push it right into the large end of the uncooked egg, in about 1/4 inch, and into the egg itself. This will pierce the tiny air bubble (present in every egg) that in an un-pricked egg expands as the egg is heated and cracks the shell. This tiny hole allows an escape route for the air.

Plastic Not for Kids

 

Dear Mary: I would like to know your opinion on the American Express Pass reloadable card for teens. Debbie, California

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Dear Debbie: I am opposed to any kind of plastic for kids of any age. Honestly, age 18 is about the right time to introduce credit and debit cards. Just keep in mind that plastic is a privilege for financially mature adults.

Plastic will confuse and abuse your children’s thinking processes. It will open the door to ugly attitudes of entitlement. Cash, on the other hand, works like a dream. Teach your kids how to earn, save, give and manage cash. They’ll love it and so will you.

I have written extensively about this in my book, Raising Financially Confident Kids, which also includes a fool-proof step-by-step plan that will help you to produce financially confident adults. I hope you will read it soon, before you hand your child an American Express card. 

DIY Cleaning Products Tips and Tricks

 

Have you checked the list of ingredients on those bottles of cleaning products under the sink? Can you even pronounce them? Yikes! I can tell you that a product name containing “petro” belongs at the gas station, not used to clean your home.

Girl Cleaning Lady sponge spray cleaner vinegar

Today I want to share with you a list of squeaky-clean, toxin-free cleaning tips using the three items very likely found in your kitchen at this moment—baking soda, white vinegar and lemons.

Clean up the coffee maker. Get your coffee maker back into new condition by running a cycle using white vinegar in place of water. The vinegar will break up mineral build-up and deodorize the machine at the same time. Be sure to rinse out every trace of vinegar before brewing up your next pot, by running plain water through it a few times.

Stop the Flu Virus Dead in Its Tracks

 

In the past couple of months, three acquaintances of mine have come down with the H1N1 virus, also known as Swine Flu, landing all three of them in the hospital in critical condition. I don’t know if any had gotten a flu shot, or if in their particular situations that would have prevented their life-threatening illnesses. But I took it as a wake up call to learn all I could.

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I was shocked to learn that even with the availability of vaccines, the dreaded flu virus is taking the U.S. by storm. This year’s strain already has left 20 children dead according to new numbers released by the Centers for Disease Control and Prevention. More than that, anywhere from 3,000 to 49,000 people die every year from flu-related illnesses.

For many, the flu is little more than a cough and a fever. But health officials want the public to know that in many cases it can also be deadly.

4 Ways to Stop Wasting Money

 

Want to keep more of the money you earn? Stop wasting money on goods and services that you don’t really care about. Start paying attention where your money goes and you just might see the equivalent of working a second job in your wallet—not leaking out of your life undetected.

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1. Stop buying from TV ads. Infomercial products are overpriced and hardly ever turn out to be as wonderful as depicted. And those risk-free trial periods? Don’t believe it. You’ll have to pay the return shipping costs plus a restocking fee, if you ever get around to it. Whenever tempted by an infomercial product, take a second to look up the item on eBay. You’ll be shocked to find dozens at a fraction of the price because that’s where they unload all the “as seen on TV” products that get returned. Ask yourself, why so many returns? By then the infomercial should be over and you can get on with your day.