Use credit Card Wisely

Having a credit card is a great convenience, you can make big purchase without having to bring cash. you can even pay for it on a monthly installment at no interest. you can bring it with you when you travel, pay items you bought online and you can also borrow money from it for short term needs.

Your credit card can work for you or against you, depending on your spending habits.

Here are the Dos and Don'ts of Using Credit Cards.

Dos:

- Charge only what you can afford to pay.

- Make wise decisions about purchasing items you need versus those you simply want. 

- Pay your credit card bill on time and as much as possible in full.

- Compare your bill when you receive it against your copies of sales slips for your purchases.

-  Let your creditor know in advance if you won’t be able to make your monthly payment on time.

Don't

-  Use your credit card to make everyday purchases. Items like food, clothing, and gas shouldn't be purchased with a credit card. Using your credit card as a substitute for cash is a habit that can quickly lead to debt.

 -  Get into the habit of making minimum-only payments. Making only the minimum payment each month increases the amount of time it will take to pay off your debt.

 -  Use your credit card to buy things you can’t afford. 

-  Close out a credit card without knowing how your credit will be impacted.

Facial Exercises

Excellent exercises for face to improve facial muscle tone can be done at home. Make it a daily habit. here are some:

Eyelid Firmer - To discourage fine lines, look at yourself in the mirror. Stare  wide eyed as in a surprised look. Shut yes tightly. Repeat six times.

Forehead Lift - To soften forehead lines, look in the mirror. Raise your eyebrows  as high as you can. Lower slowly.

Mouth Maneuvers - To smoothen out  those fine lines around the mouth. Look at yourself in the mirror. Forced a smile with lips closed. Pucker up those lips as though giving someone a closed kiss.

Cheeky Blow-up - This is a mouth fine line remover. Shut your mouth and with closed lips puff up your cheeks. Push air from one side of the cheek to the next. Slowly release the air. Repeat six times.

Chin-up - This should help you avoid double chin. With an open mouth, thrust forward and up. Feel the chin and neck muscles tighten. Release. Repeat.

Neck-firm - This is your great neck muscle firmer. With an open mouth, say "blah" while sticking your tongue out and downward. It looks funny but it's fun.

source: Constance Schraeder, No More Wrinkles

Yummy Chocolate

My favorite chocolates, yummy!

Sun Burn Remedies

The sun has ultra violet rays (UVA, UVB) which directly attack the collagen in the dermis, below the skin's surface. The result is a lost of elasticity and resilience of the skin. Therefore, the greater the exposure to the sun, the bigger the damage to the skin.

To relieve sunburn pain and damage:

1. Cut fresh aloe vera into slivers (remove the skin). lay these out over the damage area. Guaranteed results after fifteen minutes. repeat every fifteen minutes until redness or pain disappears.

2. Apple cider vinegar wash - take two tablespoons of vinegar and mix with two tablespoons of water. Mix and spray on the affected area. Repeat every fifteen minutes until pain goes away.

3. Milk spray or bath - chilled milk will soothe a sun burn. apply on the affected area in a compress form.

source: Forever Young by Cory Quirino

The 3rd Phil. International Pyromusical Competition

Australia