Many young people do not know how to manage their finances making them to fall into bankruptcy. Follow these simple steps below to make the most of your money to pay expenses and even start saving.

1. Keep Track Of All Your Expenses.

You need to know how you spend money in a monthly basis. Keep all your receipts, jot down all the cash you used and expenses using credit cards. Then, total it when it is the end of the month. For example, jotting down all the expenses give you a rough idea on how are you spending each month.

2. Make your own budget.

It's your money; you need to control how you spend. The only person you can help when you are spending more than you earned is yourself. On the other hand, if you have idea how you spend your money, you can cut unnecessary expenditure. For example, if you have 500 dollars allocated to savings every month, you will be more consistent in practicing it.

3. Keep track of your budget over time.

Your expenses may change as time passes. The great part of a budget is that you can keep track of changes in your life to give you an idea of where your money went during the year. For example, your car broke down during January and your budget will be changed.

4. Limit credit card debt.

Credit card debt can easily build up when you constantly using it. Remember that credit cards also carry high interest rates and penalties if you do not pay on time. It’s best to avoid credit card debt by keeping the credit card in your wallet only for the times you might really need. For example, use credit card when you forget to bring money out.

These management tips will help you make the right choices when dealing with money.
I used to think that it was just me, that everyone else woke up with an enthusiast and an eager heart to do positive things for themselves. Things like yoga, painting or journaling. These things aren't exactly difficult to be done, it’s just that I’m so demotivated and  I've always engaged engaged in this internal debate that starts every time I wake up to a new day.

In time, I had to come face to face with self-acceptance. I had to accept that this is the way I am, but there had to be other factors as well. After sleepless nights and engaged conversations with a few friends who share the same struggle, I managed to come up with four factors. Perhaps if I could overcome the factors, things would be different- I would be different.

Evolving of things
When we employ activities like yoga, lending a hand at the charity center or journaling, we are prone to changes. Instinctively, this might raise a conflict with a desire for a good change; the kind that has urged us to begin in the first place. Change is frightening. Change is about venturing into another foreign place; going out of our comfort zone. Change is inevitable and like it or not, we have to go through changes.

Discovery of things
Self-understanding can be misguiding at times, you might think that you've delved into all, and then you flip a page and realize that there are thousands of words you haven’t read and even more pages unread. You can’t tell if the story is going to get better and it feels safer to just leave it untouched. The most valuable part of self-growth is self-acceptance. When we take a step into discovering new things, our defenses are at risk and we might learn things about us that may not be to our liking. The process requires us to accept ourselves and learn to love the things about us we thought we would never like.
Being kind to ourselves
To begin with, being nice to ourselves is a complex subject, some might not admit this but, we subconsciously believe that we don’t deserve to spend time and be lovely to ourselves. As an abstruse theory, it’s a no brainer: everyone deserves their own kindness. When was the last time you took the time to get to know yourself in depth? Too often, we tell our friends, who were having a hard time that they deserve that without realizing that we need that as well.

Confidence in our routines
Self-doubt is the enemy of self-growth. My mind can suddenly turn skeptical and belittle my painting and journaling and says “Aren't you above this so-called artsy nonsense?” I have denied the voice countless times, but it always finds a way to get to me. Gaining faith in a routine is difficult- especially ones that are slow and may not seem fruitful at times. It may seem like we've poured all our efforts and what we get in return isn't worth all that. But there is progress- slow, yes, but there is progress. We don’t always see major changes in a day, but try to look back on a year or two ago, the change is massive.

Are you spending hours of your weekend searching through racks and baskets of clothing in shopping centers only to end up disappointed? This certainly describes my situation with traditional clothing shopping and that is why I have turned to shopping online for clothes. Here are a few ways how you should do your clothing shopping online! 

No 1: Know your measurements
Find your measure tape and sketch your chest/bust, waist, hips and arm. An easier way is to measure a piece of clothing that fits you ideally and use that it as a comparison. Of course, sizes can vary from brand to brand and country, so you may want to stick to your favorite brand for most things. If you find a particular brand looks really good on you, stick to that brand and just mix and match with the styles and colors. Also, look for size charts regarding inches or centimeters usually provided on the retailer's website can help you decide which size works best for you.

No 2: Research the site's reputation 
Make sure you check for customer reviews of the retailer you are buying. Did anyone complain about that particular site? Do the reviews talk about great customer service or the quality products they get? Research is also the best way you can find the best prices available. The strongest advantage of buying clothing online is you can make direct comparison between sites without leaving your desk! The simplest way is to check multiple sites for similar products.

No 3: Study the return and exchange policy 
Finally, check out return policy of the retailer. You should always first determine if their policy has a satisfaction guarantee or if your purchase is a final sale. You can't go into the dressing room and try things on when you're buying it online, be extra careful. Make sure that you can return something if it doesn't look as good as the person on your computer monitor!

With great photos and convenience, finding that little black dress is actually very simple. However, as a careful shopper, there are some ways to buy clothing online without regretting it. This will certainly make your online shopping experience much more satisfying! 

Back in the old days, when people go through days in the absence of knowledge about science and technology, they had no clue why bad things happen and didn't know what they could blame on. It’s easier to compose a rumor made out of their ignorance and second-hand information took hold of their belief, and some of them even made every day routines to bring good luck or prevent bad omens. 
Fortunately, most of these beliefs were passed on to their children and grandchildren and have ceased to exist in this era. Here are some old superstitions a few of you might still believe.

7 years of bad luck if you break a mirror
Luck and fortune work in a funny way. Often times, we create this routine and believe that if we do things in a certain manner, it would bring good luck and so we avoid things that could cause bad lucks to us. Over the years I've broken a few mirrors and I guess that explains why I've never won the lottery. 

Friday the 13th is an unlucky day
Now how Friday the 13th did become unlucky? The fear of this unfortunate day is rooted back to ancient times, where it is believed that 13 is an unlucky number and Friday is too, an unlucky day. Thus, the two combined and is believed to be an unfortunate day. 

Pulling out white hair will make ten more grow in its place
I believe some part of this old wife’s tale is true. I plucked a white hair once and a week later I saw more white hairs grew. Maybe it depends on some people but only one strand of hair grows out of a follicle. So no, it’s scientifically illogical for ten more white hair to grow in the same place. 

Itching palm means you’re going to get some money
An itch in the right palm signifies gaining money while in the left means the loss of money. That’s what grandmothers always say, so whenever I felt an itch on my right palm we would go to the lottery and buy us a ticket. We have yet to win.

Step on a crack, break your mother’s back
This was a rhyme I learned when I was a kid. I've always thought of it as an innocent, childish game but I remember avoiding cracks in the street fearing the repercussion of the belief. I recently learned that the rhyme came from the late 19th Century racism. Now who would've thought of that! 

Crossing a black cat’s path brings bad luck
This is a timeless myth. Black cats are often associated with bad lucks, not to mention that they are mystical, creepy and even evil. It’s always unpleasant having to cross a black cat at night alone, sometimes, making us shudder on what’s going to happen next. 

Blow out all the birthday candles in a single blow
My mother always told me to take a really deep breath before blowing out my birthday candles and my wish will come true. For some reason, this is a comforting belief and there’s really no harm in trying. I know of a few people who still believe this, in fact I might be one of them. One of these days, one of those wishes ought to come true.

A lot of people would like to improve their English skills but they do not know how. So, if you too want to enhance your English skills, read these tips below and you'll be amazed at how fast you can learn more English.

No 1: Take an intensive course
When you started the course, the knowledge you gained by speaking, listening are better than not taking that course. However, you cannot expect much improvement after attending a short course.  For example, engaging in an English course will certainly be the first step in improving your skills

No 2: Read an English Language Newspaper
Every week, buy a copy of English language newspaper and read all the articles inside it. If you come across to vocabulary and phrases you do not understand, write it down. Then, you can ask your English teacher after class to explain to you. In addition, you can check the word in the dictionary. You can learn new English vocabulary constantly. For example, make a habit of reviewing vocabulary after reading an English newspaper.

No 3: Watch Television in English
When you do have some free time, watch a show in English to improve your English listening skills and vocabulary.It is easy to find English channels on the television nowadays. For example, if you watch a movie with English audio and English subtitles your English skills will improve very quickly.

No 4: Think in English
 People tend to do this huge mistake when they are learning English language. They like to think in their native language and then translate into English in their heads. English grammar and word order cannot be translated from another language directly.  For example, direct translation from Malay language to English language is a mistake done by students often.

Learning English isn't easy but those who are consistent will find English becoming easier as day passes.

Often, parents and children find it hard to communicate with each other. Parents are scared whether they over-stepping their boundaries while children may think their parents may not be interested in their life. A number of simple steps for better communication between parents and children are listed s below.

No 1: Find common topic with your parents
This is the easiest way to have a conversation with your parents. Find a good time and ask your parents questions about anything you need to know about these topics. For example, you and your dad are both into sports so talk about the game last night.

No 2: During dinner, try asking your parents about their day
You can be surprised at how easily they will talk to you when you ask them simple question. Bear in mind that you have to open up to them also. For example, tell them what happened at school, or the new friend you met that you think your parents might like.

No 3: Respect them
Don't act like you're not interested with that topic and think that they probably will stop talking, and walk away. Use a respectful tone makes your conversation go smoothly. For example, do not shout at them as they are older and need more respect from you.

No 4: Ask them for advice if you are facing a problem
By sharing your problems, you will be 'friends' with your parents, and conversation will come easily. Be as precise as you can about what you think and feel about an incident. Give details so that parents understand your situation and finding solutions to help you.

Be sure to practice all those tips I have mentioned above so that there are two way communication among you and your parents. Maintaining good communication keeps many misunderstanding away from both you and your parents.