The Financial Supplies Your Office Needs

The path to becoming a small business owner is exciting but challenging. Maintaining the books, finances, and accounting practices is not an easy task. As a small business owner, there are some supplies that can help make these processes a bit easier. Stock your business with these financial supplies to make sure your financial tasks are always on track.

Deposit Slips and Other Paper Products

Image via Flickr by CarbonNYC [in SF!]

A small error can multiply over time and can cause problems with payments or even when tax time comes around. Thankfully, there are smart software options available. Quickbooks is a popular accounting software option and comes with accessories to simplify supplies for you. For example, the company offers custom deposit slips, pre-printed with your company’s information, that reduce the work you need to do for clear communication from the bank to the books.

In addition, you’ll want to make sure you’re always fully stocked with printer paper and envelopes. Sending out timely invoices and paychecks will keep things running on schedule without delays due to insufficient supplies.

Payment Acceptance Tools

Whether you have a brick-and-mortar store or you’re selling at craft fairs, you need the ability to accept more forms of payment to avoid losing sales. A portable credit card swipe terminal is a classic tool and comes in many versions with different features. Square Point of Sale is an app that uses your phone as a register. By plugging a small device into your headphone jack, you can swipe, track, and manage credit card payments just like a traditional point-of-sale register. Another option is Paypal. This payment system has been around for a number of years and is an especially great choice for sellers with an online store.

Image via Flickr by Philip Taylor PT

Basic Supplies for Handling Cash

You must also accurately count and deposit your cash regularly so your balance in your account is able to cover payment of supplies or employees. These bank deposits require basic packaging materials like secure deposit bags, bill straps, coin sleeves, and coin envelopes. Investing in some counterfeit banknote detection pens to check for counterfeit bills will also help protect your business.

Time-Saving Devices

As a small business, some things that help big offices manage their finances with less effort might also be a good idea for you to purchase. Handling large amounts of cash is easier when you have a coin sorter and a bill counter to make quick work of adding up totals. Having a laptop or tablet is a good investment because it enables you to access your accounts on the go. If you’re planning to offer shipping, a postage machine is an efficient way to manage your shipping without endless trips to the post office, and it adds your total spending for an easy reference.

All small businesses are unique and may not need all the tools mentioned above. Take these helpful tips into consideration, but adjust your investments to fulfill your specific business needs. Take care to make sure you’re ready with the right supplies and enjoy, with less stress, watching your entrepreneurial efforts lead to success.

What to Look for When Investing in Home Appliances

No one is surprised to find out that appliances can get expensive, especially if you are looking for features that don’t exist on a base model. Like any investment, purchasing appliances should be a contemplated process involving research, trade-offs, and value comparisons. Those who spend the time to find the best deal and continue to maintain their purchases throughout their lifetime will reap the rewards by increasing the value of their investment.

  1. Price

The purchase price is a major determinant for those buying new appliances. Depending on the specific appliance and all the features, you could be spending anything from a few hundred dollars to several thousand. In most cases, the extra cost reflects that of the quality of the appliance, though it is not always the case, as brand name and current trends can skew the prices. Your best bet is to define exactly what you are looking for in the appliance, whether that be a warming drawer in your oven range or a specific cycle on your washer. Then come up with a realistic budget and shop within it. To get the best bang for your buck, wait for a good sale to come up at a local store. That way you can afford something that at its normal price is out of your price range.

  1. Energy

Very few appliances these days are run mechanically or by man-power, instead are fueled by either natural gas or electricity. Depending on the prices of these utilities where you live, you might find one energy source more advantageous than the other, and therefore tailor your search to reflect that. Even if the household appliance only has one energy option, for example, a fridge that runs on electricity, look for energy-saving options that would decrease the cost to operate your new purchase over the time that you own it. Thanks to the new trend towards environmentalism and energy efficiency, many companies choose to report on the average energy use and cost of their product on an annual basis. This makes it easier to compare options and decide on which fits your monthly utility budget.

  1. Reputation

We don’t want to say that name is everything, however, there are specific brand names on the market that have a solid reputation for a reason. From the quality of their products, to the level of servicing and customer support, some brands have a better or longer-standing reputation than others. Though it’s definitely not a “must have” when it comes to purchasing your appliances, many believe that it’s worth investing in appliances manufactured by reputable companies. Do your research before you go shopping, as the salespeople on site might have their own personal or professional reasons for recommending a certain brand or model over others. Trust yourself or an independent sales rep who has no affiliations with any particular brand.

  1. Ease of Repair or Part Replacement

If you are a budget-conscious shopper, apart from the purchase price, you should also be factoring the costs of the appliances’ lifetime, including what it would cost to repair and maintain over this timespan. When you go with a more popular company, you might find that there is a greater availability of parts and more services willing to repair the appliances. For example, you should have no problem finding a Kenmore washer repair expert who will fix your laundry issue than if you went with a super specialized or unknown brand.

There is more to buying quality appliances than just going out and buying the cheapest or most expensive one you can find. Depending on the price, energy type, brand reputation, and maintenance costs, you may find that everything considered, it’s a completely different option that best suits your needs, budget, and lifestyle.

Growing Your Wealth in Tough Geopolitical Conditions

“Wealth can only be accumulated by the earnings of industry and the savings of frugality.” – John Tyler

There is no doubt that the global geopolitical and socio-economic uncertainties are beginning to bite into our monthly salaries. This problem is particularly true of the people living in countries that are not as wealthy as first-world countries such as the United States of America and Great Britain, etc. However, rising costs and stagnating salaries are starting to catch all but the wealthiest people in the aforementioned first-world countries.

Geopolitical events: The threat of War looms closer

Unfortunately, I don’t think that this problem is going to resolve itself shortly. Every morning we wake up to the fact that yet another global event such as the fact that Trump has sent naval ships to North Korea. North Korea retaliated by holding a large-scale military parade on Saturday 15 April 2017, showing off a bevy of new missiles and weaponry.  Just a day later, the USA and South Korea have reported that North Korea’s attempted missile launch failed.

Furthermore, we cannot solve these international crises. We can play our part by letting our country’s leaders know that we are not happy about the current global events that are taking place, but that is all we can do. Therefore, the question that begs is how do we survive the current global economic conditions that are brought about by the volatile and unstable geographical regions. Actually, in my opinion, the aim is not only to make ends meet financially, I believe that our aim should be to increase our wealth portfolios.

Growing our wealth portfolios

Before we look at ways to increase our investments and savings, let’s look at what the definition of a wealth is. According to Investopedia.com, “wealth measures the value of all the assets of worth owned by a person, community, company or country… Essentially, wealth is the accumulation of resources. Specific people, organizations and nations are said to be wealthy when they are able to accumulate many valuable resources or goods.”

In other words, our personal wealth is our investments, savings, and assets less our liabilities. Hopefully, over time, our liabilities decrease and our investments, etc. increase. The good news is that there are several ways we can actively pursue our goal of increasing our wealth:

Cut down on monthly expenses

The quickest way to save and invest more money every month is to cut down on you monthly expenses. Ergo, we need to trim all of the fat from our budget to save as much as possible. The practical application of this concept is not as easy as it sounds because it’s easy to get used to a certain standard of living. For example, you might be in the habit of purchasing a new Playstation game every month. Is this purchase necessary? If not, then it’s advisable to cut it out of your monthly budget.

Pay off any outstanding debt as quickly as possible

Apart from cutting down on your monthly savings, it’s advisable to pay more than the minimum amount back on your credit card bills and any other debt that you might have. You can even reduce the number of years that you have to pay for your house by increasing the your monthly mortgage repayments.

Consider investing on the global financial markets

Investing in the global financial markets via one of the conventional trading instruments such as options, CFDs, as well as trading in stocks and bonds are all viable options when considering growing your wealth.

It is, however, vital to note that trading on the world’s financial markets can be a high-risk venture; therefore, it is important to mitigate your risk by educating yourself on the ins and outs of financial market trading as well as researching the price movement trends of the underlying assets that you wish to trade on.

Furthermore, it’s advisable to maintain a cautious outlook especially when the stock markets are volatile and unstable, and it is wise to invest small amounts when you are placing trades. Therefore, should you make the wrong decision, you will not lose your entire investment.

Final words

In conclusion, I believe that it is possible to thrive during tough economic times. It might not be easy; however, if you increase your savings as well as your earning potential, you will not only decrease your debt, but you will grow your wealth portfolio substantially.

Financial Implications that Come with Buying a Home

Real estate has recently become an investor’s darling again, promising gains in this rising market. However, most underestimate the full financial implications that come with buying property, especially if this is your first house or else first investment property. Just because you have saved up for a down payment doesn’t mean that you are financially primed to step into the real estate market.

Securing a Mortgage

Some banks make it sound easy: all you do is ask for a mortgage and you have one. In the end, it’s not that simple. Depending on your income, the status of other loans, the size of the down payment, and the assessed value of the house you are interested in buying, this first step might just become your greatest hurdle. This can become an even greater problem in markets where the competition is fierce and many buyers put in competing offers, often without a condition for financing. This can leave you in a difficult financial and legal situation, in which many turn to trusted private mortgage lenders that can provide quick funding solutions in time of need.

Property Taxes

Property taxes were an expense you never directly had to deal with when living at your parents’ house or in a rental. However, they can be quite the annual expense depending on where you live and the size and nature of your property. Make note of last year’s tax amount when looking through the listings because sometimes it can become a factor which breaks the budget.

Maintenance

Many people buy houses because it makes fiscal sense to them, but others also consider it as a chance to gain independence. No more asking the landlord to switch out the carpets for wood flooring, or waiting to no end for an updated kitchen. Rather, you can do whatever you’d like to the house (assuming it’s common sense), offering a free pass for those who like to renovate, redecorate, or putter around in the garden. However, even those who don’t like these things will most likely end up having to pay to have them done. That’s because when you buy a property, it’s your responsibility to maintain it, including replacing damaged or outdated aspects like the roof, the boiler, or whatever else needs to be addressed. When calculating the true cost of a home, remember to include the money you will be spending annually on these projects. Even if you plan on doing them yourself, the cost of materials and initial investment into tools like lawnmowers, saws, etc. can add up to a small fortune.

Closing Costs

You know how when you shop online, something can seem like an awesome deal, but by the time you make it to the check out, you realize that it was a waste of time? This is a reality when buying a home, however, it’s not as easy to just closing the browser and moving on with your life. The initial cost of the home doesn’t include things like land transfer tax or legal fees, which combined can be more than 2% of the purchase price. It doesn’t seem like that much when you add it to the total cost, but remember it’s a cost you can’t put on the mortgage and need to have available right away.

Making Your House a Home

Depending on whether you will be living on the property or whether you will be renting it out to tenants, you will have to either partially or completely furnish the place. This could include buying all-new appliances, furniture, window coverings, trimmings, décor elements, etc. The purchasing of all these items can sometimes be as high as the cost of the down payment you just put down. Therefore, either keep some money in reserve for this exact reason, or else look for an opportunity to purchase a furnished house within your price point.

Of course, there are more financial implications when it comes to buying a home, like paying utilities, insurance, and potentially condo fees, however, those might seem more obvious than the potentially larger-than-expected mortgage, property taxes, maintenance costs, closing fees, and expensive “nesting”.  This usually does not detract from the attractiveness of real estate investing, however, it can affect the timing of a less-experienced investor. It’s important to be financially prepared for the entirety of the costs and still maintain cash flow throughout the process, or else buying a home can become a very painful experience.

Paying with a check or with the credit card?

In credit history, there is an indicator called credit score for rating the solvency. It is calculated in points, which range from 300 to 850. The higher the score is, the higher the rating of the borrower will be. It increases or decreases when credit cards and other products are used.

Money transactions today

It is important to know that when making many transactions (buying on credit, renting real estate and others), the credit history and the credit score are checked, and when verified, the credit score is slightly lowered. The more often it is checked, the lower it falls. This is due to the fact that the client becomes potentially less solvent for possible creditors since payments for a future transaction will fall on his shoulders. But this fact practically does not affect the real possibility to conclude these deals (get a loan, a mortgage, rent a house).

Credit Score takes time to accumulate. And for this, it is not necessary to take loans! You just need to live, managing your finances correctly, like paying rent, utility bills, parking fines, and medical bills on time. Best Credit Cards service to help you chose the card you need. In short, just live and do not spend more than you have to give back. It has nothing to do with loans! It’s just “points of trust”.

In the past, it was like this: people carried cash around with them and paid for everything using it. Then the banks came up with checks. A person could sign a check for any other person, and that person could cash out this check in his or her bank. Even at this stage, the situations began to emerge when the check was issued, but there was no corresponding money on the account! The person simply told the recipient of the check, “cash a check at the end of the month, when I have a salary.”

Depositing money into an account in the USA

You can replenish a bank account in the US in several ways, most of which are known for working with banks in other countries. In addition to the usual depositing of cash in the cashier’s bank or ATM, as well as transferring money from one account to another, in America, a deposit of paper checks is still common. When depositing a check, money is withdrawn from the account of the person who issued the check and is credited to your account.

You can make a deposit of a check in the cashier’s office of your bank, at an ATM, or by photographing it with a smartphone.

When depositing money from a check using the ATM, you need to follow the instructions on screen and place the check in a special receiver – the ATM will take a photo and identify it. If you make a check deposit through a mobile program, it’s also easy, but you need to make sure that the check photograph is clear.

If you came to the branch of your bank with a check, then you will need to fill out a special form. Of course, you can ask the bank officer to do it for you, but it’s better to fill it out yourself.

The Importance of Having Insurance

We hate planning for the worst because it makes us feel like inviting it to happen. The truth is, we have no idea what the future holds, but planning for the worst can lessen the burden in the event that it does happen. Insurance is one of those things that we purchase but don’t really notice until we need it. After all, it’s not like buying a new car or home, you can’t see, feel, or touch it. This is another reason why many people don’t see the need in being adequately insured. However, insurance of all kinds are vital, and below is an explanation of the various types of insurance policies you need to have in order to have peace of mind.

Auto Insurance

Most locales have regulations and laws that require drivers to be insured, and in some cases they even have minimum requirements as well. Regardless, there are those of us that have cheap cars that are merely a means of getting us from here to there. In those instances people often wonder why auto insurance is so important for them. The answer is that there is a ton of liability protection built into auto insurance. If you get into an accident and you are at-fault, that could lead to serious lawsuits and monetary damages. Often times your insurance company will handle and pay these damages on your behalf, but only if you are properly and adequately insured. Some policies even have clauses that allow for free rentals while your car is being prepared, and a secondary health policy to cover whatever you primary insurance doesn’t in the even you are injured.

Life Insurance

Nobody likes the thought of dying, and this is the type of insurance we all hope is never needed. Still, if you have a family that relies on you for their financial well-being it is a type of insurance that simply cannot be ignored. It is also the type of insurance you don’t get a second chance to learn your lesson. If you are the sole income producer in the household then you have to think about how much money your family will need to live without you. That includes the cost of raising children, possibly paying for college costs, and anything else you had planned on covering from them later in life.

Health Insurance

Health coverage is a very polarizing topic. With the recent elections you can see just how much of a heated debate it can turn into. Regardless of which side of the fence you are on, I think we can all agree that having some form of health insurance is important! While we hope medical emergencies are few and far between, they can and do happen. Out-of-pocket medical expenses can be extraordinary for uninsured. Just a night in the hospital could cost you thousands of dollars. That’s why it’s not only important to have health insurance, but to make sure that it insures you well enough that you won’t go broke and into debt in event you have a significant health concern.

Finding the Perfect Vacation Accommodation

We all look forward to our annual vacation, a time to kick back, relax, and forget about the everyday world. However, there’s usually weeks’ worth of preparation put into planning for your getaway, even if it is as simple as renting a cottage. Questions like “lakefront or forest?”, “do I need to bring propane for the BBQ?”, “mom, where’s the Frisbee?”, are enough to warrant setting aside three vacation days to simply recover from the effort of getting there.

If you are wondering whether this is normal, we can hazard a “yes”. If you ask whether it should be normal, you will receive a resounding “NO”. Planning a vacation should be fun and easy, full of exciting possibilities, not a drudging chore.

Finding the perfect vacation accommodation is usually half the struggle since there are so many variables to consider. From cost, to location, to the actual rooms, it seems like one could spend hours online and on the phone maximizing the options for something which seems “ideal” but you aren’t really sure of until you check in.

If you want to make the best use of your planning time and start enjoying your vacation the moment it starts, follow this process to easy vacation accommodation booking:

  1. Consider Your Party

Before you even head towards the computer, consider who you are vacationing with. Will it just be you and your significant other? Is it a large group of friends looking to bond over an adventure? Or is it a family trip for the books? Who your company is will partially dictate the type of accommodation you will be looking for, whether it’s a full house rental, a romantic B&B, or a cosmopolitan hotel downtown.

  1. Plan the Budget

The budget can be a great (though sometimes unpleasant) way to limit your accommodation options. Decide how much of your total travel budget you can dedicate to where you are staying, and then divide it by the number of days you are away for a daily spending average. For some this will mean searching for listings in Turks and Caicos, the most beautiful place to rent a luxury villa for an unforgettable holiday, while for others that might mean a stylish AirBnB in a trendy district in Toronto.

  1. Define Your Needs

Everyone expects different things from their vacation accommodation. Some can’t fully relax without a deep soak tub, while others need to feel at home and have access to a kitchen. Get together with your vacation party and decide on what you “need” and what you “want”. This way it’s much quicker to find something which satisfies all the needs and then you can choose between the ones that also cover the greatest number of “wants”.

  1. Ask for Recommendations

If you are looking for the perfect child-friendly ocean-side resort in Mexico, or are looking for the best roof-top pool in New Orleans, sometimes it’s as easy as asking around. Reach out to your colleagues, friends, family members, and travel buddies for advice. Chances are that you will have a more similar taste to your friends than you will to those random strangers leaving reviews on the internet. Sometimes a personal recommendation might even lead to a discount if brought up at the time of reservation. It’s worth a try!

Once you go through these four steps, you are very close to finding the ideal vacation spot for you. Instead of scrolling through websites for hours looking for something to pop out at you, take control of the situation so that you can get to your “paradise” sooner and with less stress.

How to Plan and Enjoy a Staycation

Sometimes it’s difficult to keep in mind that a traveling vacation is a luxury, not a right. Though time off from work is something mandated by government and required for the healthy functioning of employees, going away for a week or more is not always something that we can do.

There is a plethora of reasons for this, from responsibilities to your family, difficult to manage travel logistics, health restrictions, an inability to relax outside of home, to the most popular reason: a restrictive budget. Going away on vacation can quickly add up to be a huge expense, as you need to cover the cost of travel, accommodation, food, drinks, entertainment, and more. That’s why more and more people are opting to vacation at home, enjoying a “staycation”, instead than blowing their budget on an expensive trip to a different city or country.

However, when enjoying a staycation, it’s important that you don’t let this designated time off just become an elongated weekend without any memorable experiences. If you want to really make the most of your staycation and make it a restful and enjoyable time, try the following ideas:

  1. Designate Your Chore Time

It’s near impossible to be at home and not want to do at least some chores like deep cleaning the carpets, running the laundry, or restocking the pantry; all things you would never do if you were away on vacation. Embrace the need and dedicate one day to getting these errands out of the way so that you can relax the rest of the time. If anything else comes up during the week, defer it until later, as this is your vacation time and you need to take this opportunity to self-care and let loose. Besides, it’s normal that once you come back from a trip there will be a couple of loads of laundry to do and some unpacking going on. This way, you’re getting it done at the beginning so you can go back to work rested, not tired from the flight or drive home coupled with a night of unpacking.

  1. Discover Your City

Whether you live in a small town or a bustling city, there’s always something to do. Whether it means visiting the library and taking a couple of interesting books out, seeing the new exhibit at the local gallery or having brunch at a diner you always wanted to try, now is your chance. Don’t limit yourself with business hours and take this opportunity to see your home town through the eyes of a tourist or a guest. Alternately, plan a series of day trips within driving distance of home. Though you might spend a bit on fuel, you can always pack a picnic, and remember that you don’t have to get a hotel!

  1. Show Yourself Some Love

The point of vacation is that it gives your body and your mind a chance to rebound from the stresses of the everyday. Though some require an exodus from home to do that, many find that actually staying at home eliminates a lot of other stressors like finalizing travel arrangements, booking everything, making reservations, planning itineraries, and dealing with the credit card bill once it comes in. But other than just not having those additional worries, why not show yourself an especially good time? Engage in your favorite hobbies, drop in on some yoga classes or get a manicure pedicure that you otherwise wouldn’t treat yourself to. Remember, you’re saving money by not going away, so take some of those savings and apply them directly to your happiness and well-being. Find a beautiful retreat where spa, body, and facial treatment are offered by a team of highly trained and experienced therapists who know exactly what you need in order to recharge your “batteries” to 100%.

  1. Meet with Friends

When we are rushing between work, errands, responsibilities, and more, it’s easy to neglect relationships with those who we cherish. Take this time to schedule a couple of lunch dates with friends, go out for drinks in the evenings, and maybe meet someone new at a mixer which you would otherwise write off because you need to get up early the next day. Since you have a flexible schedule, it makes it easier to coordinate with friends who otherwise are also busy with everyday things. You won’t regret setting some time apart for rekindling and maintaining relationships during your vacation time.

  1. Have a Plan

Most importantly, if you don’t want to feel like the whole thing zipped by and you did nothing at all, make a sort of plan or guideline of things that you want to do during your staycation. It will keep you motivated to stay busy doing things you enjoy and creating memories you will be able to recount when you’re back at your desk working.

Staycationing is an easy way to keep your budget on track. However, remember to make the most of your time off from work and that you return rested, happy, and satisfied with how you spent your vacation.

4 Essential Purchases to Jumpstart Weight Loss

You can run, but you can’t hide from the onslaught of weight loss marketing campaigns. You see them on TV (even on the cooking channel!), you hear them on the radio, and they even pop up in our Facebook and Instagram feeds!

The truth is that a great segment of the North American population is unfortunately overweight. This affects our health, our self-esteem, and our relationships in a negative way. That’s exactly what all those ads are reminding us of, whether or not we want to hear it.

However, before you fall for the first marketing campaign that hits you, remember that in most cases, the main motivation behind these companies is to make money! So before you stock your weight-loss arsenal with detox teas, belly wraps, and a ton of supplements, reflect on what you actually need to attain your goals.

Though there are some items of dubious effectiveness, there are others which happen to be essentials to really getting to a place you want to be within the timeframe you imagined. All that, and with your health and wallet intact.

  1. A Nutrition Plan

There’s no way around it, in order to lose weight, you need to change your diet. The best place to start is in a medical professional’s office, whether that’s your family doctor, a holistic wellness specialist, nutritionist, or dietician. Based on your current diet and your state of health, they will be able to put together anything from loose recommendations to a very specific meal plan for you to follow. Though the quality of the plan itself is very important, it’s even more important that you follow it as closely as possible to see results.

  1. A Healthy Grocery Haul

As soon as you start changing your lifestyle, there’s one very important shopping trip you will need to do: the initial grocery haul. Before you go, throw out or give away all the food that has been blacklisted: simple carbs, salty junk food, canned meals, sugary treats, etc. If you don’t have it at home, there’s a much lesser chance that you will be tempted and end up eating something you shouldn’t. Then pack your reusable shopping bags and hit the store, buying fresh, nutritious items that you will need to make your new eating habits come to life.

  1. A Tracker

We’re not saying you have to go out and get the newest FitBit, but it’s important to track progress throughout your journey. Everyone has their own favorite way of doing it, depending on their specific goals, but regular weigh-ins, measurement taking, and picture snapping are popular options. Obviously, there is also a plethora of tech-y options from mobile applications to upscale pedometers, but remember that they are not essential to your losing weight. Track your progress as you like at regular intervals, whether weekly, biweekly, or monthly, and it will keep your motivation up!

  1. Protein

Many weight-loss diets are focused around getting your protein level up while decreasing your intake of carbs, sugars, and bad fats. Since cooking high-protein meals can get expensive and laborious, the market has evolved to offer a range of protein powders and supplements to mix into your meals or drink as shakes. As calorie-restricted diets can often limit your nutritional needs, many professionals will recommend using protein products and nutritional supplements to assist you in your weight loss program. Just remember to look at the quality of the products you are buying so that you are getting the best value for your money.

Losing weight can be a very important and significant accomplishments in our lives. It teaches us about determination, health, and discipline while putting us on a journey of a lifetime!

Investing in Your Own Health

Everyone has assembled their own health care team over the years. It usually takes quite some time to find health professionals we are happy with in terms of compatibility, quality of service, as well as value. Though this process seems perfectly normal and reasonable to some, others might be puzzled as to why take the time to research and meet potential doctors, dentists, massage therapists and more. In the grand sense of things, you don’t even really see the that often, do you? We can see that the logic seems at little flawed at first, but let’s delve into this a little deeper…

  • You only have one health

This might have been a saying which your mom would repeat to you over and over again, but it doesn’t make it any less true! If you have a car and you miss a couple of oil changes, you risk having your engine clog up. Worst case scenario, you completely destroy the engine and either replace it or the entire car. Now consider your body. If you have spent years neglecting regular maintenance like going to doctor’s appointments, meeting with a nutritionist to ensure you are getting the right fuel, or getting your teeth cleaned at regular intervals, you risk putting your body in a state which can be difficult, if not impossible, to recover from.

  • There is a difference in care

If you think that every doctor or dentist provides the same level of care, you are sadly wrong. Though there is a standard they must adhere to in order to get licensed, there is a lot of things they can differ on. Some have their own clinics and invest in the newest technologies and services while others are satisfied with having access to the bare minimum. Choose a doctor or a dentist who invested in the best available technology to serve you better. The health field is constantly advancing and you don’t want to be stuck with a practitioner using old-school methods when there are newer and better alternatives available!

  • Mitigate further costs

One thing which is true with most things, including your health, is the better quality something is, the better value it ends up being in the long run. For example, if you purchase an high-quality dining table made of solid materials and professional craftsmanship, though it might cost more at first, ends up serving you for many more years than a cheap one which you would have to replace after just a short time. Over the years, while your solid table might have cost a lot initially, its per year cost goes down while the lower quality option was only a fraction of the cost but had to be replaced 5 times over the same span of time. The same goes for your health. For example, if you are having problems with your hip, it’s better to take the time and money to treat it properly, be that with rest, physiotherapy, or surgery under the hand of the best doctor, than have this be a reoccurring health problem throughout your life. Over a few years, if quality treatment isn’t applied, you might find yourself taking unpaid leave from work, having to go on disability, or have to deal with a combination of personal, professional, health, and economic stresses.

Many find it difficult to justify spending money on getting good quality vitamins, seemingly expensive medical and dental services, and supplementary things like therapeutic massages or chiropractor visits, when they have a strict budget in place. However, it’s important to remember that you do only have one health and that your life literally depends on it. Treat your body well by giving it all it needs and everything else will fall into place.