How to cut expenses being a student

How to cut expenses being a student

Financial discipline needs to be inculcated in young minds right from childhood. Being a student, are you facing problems on how to cut expenses?

First interaction of a person with money is while being a student. It could be when they spend their pocket money given by parents, when they distribute finances for organizing a fest in school/college or when they manage their own expenses during a student industrial visit. Wherever it is, if a student learns to manage finances well, there is less chance for him making mistakes as an adult in future.  Every student needs to learn to conduct himself judiciously in terms of managing his/her finances.

        

There are several areas where a student suffers in terms of excessive expenditures unaware of various benefits to them available in the society. Governments, Businessmen, Colleges, Schools provide lot of incentives to students to facilitate learning with minimum expenditures.

Ways for a student to cut expenses in his daily routine:

1.      Students should make use of the student education loans given by Banks, NBFCs, and Government with subsided interest rates.

2.      Students can get rid of those mobile offers that charge students for unwanted services.

3.      You can make use of payback facilities to earn discounts.

4.      You can make use of subsidised school/college bus transport facility

5.      Make use of college canteen facility which is subsidised to students instead of regularly visiting expensive food chains.

6.      Students can buy notebooks, textbooks are available at subsidised prices at some selective shops/schools

7.      Works including stationery, internet can be get done within the library to save some bucks

8.      Carry one’s own ID card to make use of student discounts in restaurants, food chains

9.      Railway passes, bus passes provide up to 30% discounts for students. Do make use of them

10.  Do make use of the government  fee-reimbursement schemes for economically challenged students

11.  Many corporate agencies, NGOs provide scholarships for merit students/poor students to encourage students in the fields of finance, research, medicine etc. Hence the college, school fees can be saved with the money

12.  Students majorly spend for entertainment like movies, games like bowling, snooker which can be expensive. Have a reality check and prepare an account daily for the expenditures

13.  Students addicted to smoking, alcohol should get rid of the habit as they spend huge amounts on cigarettes, drinking everyday

14.  Judicious use of petrol by walking/ using bicycle to nearby places is advisable to save money

15.  Students can use jute bags instead of buying plastic covers for carrying books/records etc

16.  Girl students should make use of the concessions in education, resources, transport provided by Government

17.  Laptops, tablets for educational purposes are provided with concessions for students.

18.  BSNL telephone and broadband services also provide concessions to students in India.

19.  Shops, services around schools, colleges provide discounts, concessions.

20.  Medical concessions are also available for students in terms of free medicines, surgeries.

Parents, teachers, counselors at schools, Government, Media, Internet have a collective responsibility in enlightening the students about the various facilities provided to them that can help cut costs.

Is beauty all about how I look?

In this beauty obsessed world, what takes the big stride is how one ‘look’. Looks, exactly means color of skin, type of lips, and if the eyes are filled with mascaras. Can only this filled the meaning of ‘being beautiful’?

If the value of physical appearance keeps on increasing, then the main aspect of ‘self worthiness’ will keep diminishing day by day. Sooner, the society keeps telling you, that you are not beautiful and thus not relevant to the world.

All these messages, images in magazines and photographs from the televisions not only affect the people who are at their forty’s or more, it affects the young women too! These young women keep witnessing beautiful, exceptionally beautiful women every day in their lives, but do you recollect that your mothers saw this beauty throughout their teenage life? It is no wonder today that nine out of ten women are not happy with their skin, looks, hair color and what not!

This isn’t just a women next-door problem; many men do get frustrated with their looks and experience huge levels of anxiety. This leads to strict diets, compulsive exercises, laxatives and many other possible attempts to lose weight or tone their skin.

To be frank, we are obsessed. We are obsessed with ‘Beauty’. Beauty is not just the way one look, it is also the way one thinks and behaves. The reason can be the promotion by the media, wrong ideology from various knowledge sources or many other aspects.

Beauty lies in the eyes of the beholder! Is it? There can be two ways one would describe beauty. For example, if we talk about a lady and ask her love to describe her, he might describe like this! consult beauty expert on solvemyproblemm.com

Her enemy or her colleague, who is pretty envious of her, might describe like this!

What do you think; she might look like in real? 

Thus, Beauty lies in the eyes of the beholder! You might not be attracted physically to a person. That doesn’t mean they are not beautiful! This incredible adjective is a pleasant satisfaction to the eyes, heart or even the soul. The beauty is the mind that can share special words and lovely feelings. Beauty is you when you feel so happy for receiving an extra spinach leaf in the market. Beauty is you when you glide your beautiful dress alone and walking inside the room to pick your perfect man. Beauty is you when you find a poor lab aside and you offer him your Tiffin box and leave a smiling gesture. Beauty is not just looking pretty from outside. It is being blessed and content from inside. The meaning might be different to different people. But what matter is how you are influenced with the meaning.

The skin we own is not the only weapon to conquer the world. You also need the charm in your work, smile on your face and a helping hand. It is being you. It is what you yourself mean to you! It is the reflection of your soul. 

First impression matters. Thus impress!

First impression matters. Thus impress!

Well, do first impressions count? The reality is that they most certainly do, while they shouldn’t.  How to create an outstanding first impression, Let the experts from solvemyproblemm.com help you!

As an old saying goes, ‘perception in reality isn’t far off’, it can in fact shape reality, even if the reality turns out to be fake. To put it in simple words, what people think about you matters, and more often it is the perception of the appearance. People very quickly attempt to size somebody when they first come across them. Consciously or unconsciously, they make value judgments in an effort to assess your credibility and flesh out your agenda.

Now in a perfect world, people would be judged solely on their skills, competencies, performance and character, but alas, we do not live in a perfect world. Well, I am not advocating for form over substance, narcissism, masking insecurity or self – indulgence by trappings you surround yourself with. It is only human nature that makes one use the power of observation in an attempt to validate perception.

At the base level, people will attempt to discern, whether you are person of ally or adverse, significance or insignificance, friend or foe. People will put you in one of the two ways – as a person who can hurt them, or as a person who can help them. The camp you fall into will determine whether or not you’ll be included or excluded, whether you’ll part of the inner circle or relegated to the periphery always finding yourself on the outside looking in.

Things that matter –

1.      Smile:

Whenever you meet someone, approach with a genuine smile. Never let your head control your heart. Approach with confidence and a million dollar smile, which will melt all the ice in every introduction you come across. If you are greeted back with a frown, never get disheartened.

2.      Eye contact:

As eyes are the windows of the soul, they are the first impression in many cultures. They reflect how trustworthy and respectful you are. Carry the smile from your face to your eyes. Thus establish a confident eye contact, which shows a positive energetic soul.

3.      Stand up:

Stand up and greet people, regardless of who they are. Keep your respect by respecting others. Greeting someone by standing up, shows the strength in your character and also reflects the fact that you care enough to stop the work you’re indulged in. It also showcases that you are willing to dedicate time to meet and greet this person.

4.      A firm handshake:

The global sign of greeting, establishing peace and equality, make a promise – is a handshake. This is the first physical contact you will have anybody. Make sure you are ready, you state of mind is ready for it and make sure your hand is ready for it.

Let’s face it –
You have only one chance to make a great first impression. When we come across people for the first time, we tend to search for visible cognitive cues that make it easier to form an impression. The cues we generally look for are may be a person’s physical appearance, which car they own, where their office is, whom they are associated with, whether you spot any familiarity and so on. How you present yourself is extremely important, as first impressions are difficult to undo or reverse, and they are made within the few moments of seeing you for the first time, before you even had the opportunity to speak!

Is fashion all about what we wear?

Is fashion all about what we wear?

What to wear and what not to wear? Confused? Then question the fashion expert at solvemyproblemm.com! Solvemyproblemm.com is the home of qualified experts who graduated the head and toe degrees on fashion! Fashion is a trend. Fashion is a style. An engineer says, fashion is the changing sizes. A doctor says, fashion is about your figure and how well you can fit in things on you. An artist says, fashion is being creative! The meaning is versatile, though. It depends on whom you ask. The meaning varies as per the religion, culture, setups, money and what not! It isn’t easy to answer, what fashion is. It is a religion, an art, a perspective, a disguise, a game, a party and a job for many.

Various sub categories like jewelry, shoes, beauty products, accessories, bags, cloths and every aspect that enhances beauty come under fashion. There might be many constraints that are hurling the morals of fashion, but with time people learn more and represent fashion in versatile ways. It has nothing to do with taste, price, richness or creativity. It is just a statement to admire.

Who is the king and the queen and decide what’s new in fashion?

The fashion designers are the huge milestones to this definition. Miuccia Prada, Louis Vuitton, Marc Jacobs, Miu Miu and many more national and international designers are the inspirations. Celebrities and leaders are few other reasons of proclivity towards new trends. But ultimately it is you alone who decides it to buy, smile and go or ignore it.

Where does it take birth?

    

It takes birth at every corner of the city. From Milan, Paris to New York, the world is so huge that allures fashion. Mostly the designers and the apparel, accessories manufactures belong to Los Angeles, Sydney, Sao Paolo, London, Toronto, and many other designer stores.

Do you want to work in fashion?

Designing, retaining, manufacturing and selling belong to various verticals of fashion career. Though education is ought, experience is an extra ingredient in this field. Experience as sales men belong to retain level. At retail level, one identifies what people like and what they not. Designer is always the god! He adds the spice to creativity and designers the incredible. The fashion industry is an alluring and glamorous place to work. It not just includes apparels designs, but the accessories, shoes, watches, furniture, footwear, make up, women’s belongings, men’s everyday handsome belongings and many more. But the best part would be working with the fabrics, textiles, colors and the idea sheets.

Is fashion important?

What do you think? Once in a year, the shirts are long, the dresses are short. Next year, the shirt goes with a bracelet and the dresses go long. Fashion is a change!, an inevitable change. If fashion can connect people and make them happy, it is ought important. If fashion differentiates people from one other. Do you think it is important? It is just the game in the society, behavior, world and money. Take it or leave it, but at the end ‘you’ matter the most.

It is nothing but an expression, an expression of your own self. Even if you are feeling, I don’t give a dam to fashion and you are not interested in making a statement but still wearing your own unique styles. Ironically, you are creating a statement.

How can you mend broken ties within a family?

How can you mend broken ties within a family?

Family problems are worrying you? It is always healthy to seek an expert’s advice when one is not in a state to think from both the mind and heart! Let the relationship expert of solvemyproblemm.com help you! A relationship is a delicate knot. A family can break for no reason. Sometimes a series of issues over time are also the reasons. The knot can be mended if all the people concerned, want the relationship to smile at them again. One can choose friends in their life but not a family.  It is the blood relationships that stay during any hurdles, happiness, and disapproved actions in the life.

                                        

Broken Families have a huge impact on children too. They might deprive the children of their magnificent futures. The question of whether the parents are together or not? has a very great influence on the psychological, social and educational aspects of the child or children of subject. The growth of the child as a person is at stake when he/she is raised in an environment where there has been a disturbance of family relations and leaves the child very confused and insecure.

                                 

 When the family members drift apart after a fight or distance or due to crises, here are few solutions to a life back with a tea chat with the granny, an evening walk with your husband and a women gossip with the aunt.

·                     Leave your ego aside. Take the initiative to say a ‘hi’ to the other person. It is common to fight but when the relationship matters the most rather than the reason of fight, one really needs to take the initiative keeping the negatives on the side.  One might feel rejected or their ego might come in between but once things settle down just because you took the initiative, you will feel eternally satisfied.

·                     It doesn’t matter who is holding a stronger grudge. It is a family not a battle. If one holds grudges, it will be very difficult to forget the fight and mend the relationship. Hug your family again and forget the grudges.

·                     It is difficult to face the person after a huge fight. It is ok. Send them a letter, note or an email. There are millions ways to mend a relationship just like the ways to break it. Send them a family photograph, picture of both of you together or to the best invite them to your home.

·                     Start loving again. Love can flourish any relationship.

·                     If kids are under fault, elders have to help them understand. A relationship might break due to immaturity, jealousy or rivalry.

·                     If the conflict is between the in-laws, there are chances that, things went bad on their own due to different mindsets. Try to ignore the conflicts and stay calm if the other person is angry.

·                     Use the children to start the conversation. If you feel let back to start conversation with a person, try talking to their kids when they are around. This will lead to a happy start again with a sense of connection when the kids discuss about you while talking to their parents.

Consistency, respect towards the other person, love and forgiveness can mend any kind of broken relationship.  Rome is not constructed in a day, so are the relationships.  If one has the awareness about how things went wrong, they can build a healthier and happier relationship again. 

Home remedies for a beautiful skin

Home remedies for a beautiful skin

Marks, pimples and the dust on the skin make it unattractive and unhealthy. A pimple pops up every night and one struggle to fight against them! For those who want to face against the artificial substances to enhance beauty, this blog is an extreme help!

Remedy 1:

              

Gram flour also known, as besan is an all skin types best friend. Massage the cream mixture of pinch of besan, milk cream and lemon drops before taking a shower. Do it whenever you get time to take a long bath.

Remedy 2:

            

Ground pink daal also known as masoor ki daal is good for oily skin. Mix a pinch of pink daal power with orange peel. You can also add few drops of honey and curd. This exfoliates the skin.

Remedy 3:

              

Almonds are good at vitamin E. Once you soak the almonds overnight, peel off the dry fruits skin paste it. The mixture of milk, almond paste and lemon juice leads to long lasting fairness. Lemon is usually added to remove tan.

Remedy 4:

             

If you have aloe Vera plant in your backyard, you can use it too. Remove the pulp and add equal quantities to egg white.  Add a spoon of milk into it.  Milk hydrates the skin faster. Apply this mixture on your face using a brush if you want to handle the egg’s smell better!  Keep applying it for half an hour, once the coat dry’s off. This leaves back a gradient and smooth skin.

Remedy 5:

Olive oil feeds your skin tissues and acts as a natural moisturizer. It is good for women with extremely dry skin. Add milk to 1 tbsp. of extra virgin olive oil. Half spoon of honey can also be added. Massage the mask and leave it for 10 minutes. It is advised to clean it with Luke warn water and cotton.

Remedy 6:

                     

Lemon of course will be available at home. Mix few drops of lemon and honey and apply on dark skin or tanned skin. This helps to remove tan.

Remedy 7:

              

               

Cracked heels and rough hands bother so much during winter. Bee wax or petroleum jelly helps to soften the skin. Apply the jelly during the night and wear socks to let the cream stay for long. Your feet will smile the very morning.

Remedy 8:

Healing a pimple is the biggest requirement of a woman. Tea tree oil helps get rid of them. Apply the oil every few hours on the pimple using an ear bud. This elevates the effect on pimple and kills it!

Remedy 9:

Champagne is a glow drink. It helps in pores shrinking and acts as an anti oxidant. It also tones the skin color. Dab the skin with few drops of champagne once a week with a cotton ball. 

The scorching sun, the extra sweat and the pimples make life a hell! It isn’t a surprise when you hear a women next-door praying god for a beautiful skin. Not all the cosmetic’s helped overcome the problems with skin.

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Peer Pressure and its Effect on Teenagers

Mom gets worried always about her teenaged kid! Need an expert to say, it is ok! This is why your kid is ruling over her teenage? Talk to the experts at solvemyproblemm.com.

At some stage or point of time, we as human beings face or experience peer pressure. Peer pressure is defined as a certain obligations, that one feels, one has to conform to in order to be accepted and welcomed into ones group or society.

The need or the necessity to belong has always been there since ages and hence people tend to experience peer pressure at least, once. This phenomenon is greatly seen in the teenagers especially in their decision making process during the early crucial stages of life which may greatly change their lives forever, for good or for worse.

 Teens, with school and other works, spend a lot of time out of home. Friends play a major role in their lives. They are greatly influenced by the groups they hang out with, be it about their choice of clothes, hairstyles, choice of games etc. When it is happens in a setting where the choice becomes of interest to the individual, it isn’t much of a pressure but when the peer pressure becomes unavoidable and hard to get away from, it becomes a “pressure”.

Types of Peer Pressure

Broadly we can have two types of Peer Pressures namely:

·         Positive peer pressure: Occurs when the individual indulges in positive outcome activities like joining various extracurricular activities, clubs, doing better in studies, exercising, inculcating discipline etc.

·         Negative peer pressure: occurs when an individual indulges in activities which do not help in his/her growth but damages their lives like drugs, shoplifting, stealing, cheating, alcohol and many more such abominable things.

Forms of Peer Pressure

There are different forms of peer pressure as discussed below:

·         Individual peer pressure: This is seen when a particular individual tries too hard to fit in a group or in a society so that he/she is accepted, only because the other person or members in that group has taken up that activity, irrespective of their own personal choices and likes.

·         Direct peer pressure: This type of situation is seen within a group where a certain individual directs a person to do things in a certain way and the individual follows it. Dominating individuals in a group tend to exert their power on the other and leads to the phenomenon of peer pressure, experienced by the others.

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·         Indirect peer pressure: This occurs when the individual is not directly influenced but is indirectly imbibed with a few activities or doings. For example, a group decides to bully a person and even when a certain individual, even though not interested, decides to bully in order to conform to the group.

What needs to be done

It is the responsibility of the parents to take up the issue at hand and talk to the teenagers and help them understand the importance of doing what is right rather than following the crowd. They have to be explained that conforming to the group in a good way always helps , however if it is for a bad cause or resulting in a unwanted situation , then in such a case conforming to the group should not be an obligation. 

Confused about company shift? should you or should you not!

Confused about company shift? should you or should you not!

Is a good sign to jump from one company to another or is it worth sticking to just one company. Is it bad to have several short – lived jobs on one’s resume? Yet, what about staying for a very long time at the same company?

 If job hopping is the only chance you have, then what is the right time for switching jobs?

Irrespective of what your problem is! Meet the career expert at solvemyproblemm.com and fly high in your career!

       

Back in those days, sticking with one employer for decades and retire with a gold watch or a fat pension in return, was regarded as a sign of longevity and loyalty. But in today’s job environment, this concept is like tossing a coin and confusion about what to wish for. Staying at a company can say much about you as a potential employer, while switching jobs may at times deem you as a job hopper considering you unmotivated.

Why switch jobs?

Why does one wish to switch jobs? Without a doubt, it’s the human nature – the game changer.

·         Pretty quickly, we get bored of everything and quite obviously our jobs are no exception. Sooner or later, all of us start to get a feeling of switching job, making a list of number of reasons to support the idea to switching.

·         The list would start with anything like salary hike, appreciation at work, hunger for better role and close with reasons like having a moron boss, peer pressure or a drowning company.

·         Like the saying goes, grass always looks greener at the other side, our thoughts work in a similar fashion. We find our jobs to be bad and in other companies they are just hunky dory.

The two faces of job holders:

Now, there are two kind of job holders, the first thinks that working for a long time would be a good sign for their resume and shows their loyalty. While the second don’t give a heck about anything and just keep switching jobs and get their salary to grow fatter for every switch.

In this era of raise freezes and with a mentality of “you are lucky you even have a job”, there is no advancement. We might just end up stagnant in the same cadre for years because of a single – focus aim of job security.

Switching jobs clearly lifts you to a higher pay package and boost your future earning potential. But of course, the age factor plays its own role on salary hike, as salaries tend to hit their plateau when people are in their forties. This means if you’re approaching forty, the next few years could probably be the best time to go for a higher position and a higher pay.

However, there is no hard and fast ‘time cap’ for when you as an individual should jump ship.

When to stay and when not to!

While we are on the subject of job hopping, staying for a short period at a job also carries a stigma.

·         The length of employment at a company is only one part of your career picture.

·         As long as you can show you are great at adapting new situations, advancing your skills and keep building a solid professional network.

·         There is no ‘too long’ limit. There is no time frame that is too long to stick in a job.

·          Holding on a job for ten years, with qualities like staying up-to-date in your area of expertise and networking with others in the field, could be a positive thing on your career.

·          A better question would probably be how long is ‘too long’ to work for the same boss. Every time a manager changes, there is significant culture change you have to adapt to.

Actually, on a positive note, switching jobs can be good for your career – to build a network faster, keep your passion alive, keep challenges fresh and figure out what is it that you want to do in your life.

·         Its network that gets you job, not your resume. As and when you job-hop, you expand your network tenfold.

·          But considering short job stints, having too many jobs in less than a year can throw up red flags.

·         At the end of the day, when we look out for new jobs, we should be able to explain our career history in such a way that it sounds good to the company and puts you in the best light.

·         As with every other job searching situations, it’s all about how we tell our story about our work.

However hard you work, a decent raise is least expected until you switch companies or unless you have a very good luck on your side. But does this mean you should greed and strategically keep switching jobs?

At the end, it’s ultimately your call to stick in a job or just move on. Whether get pleasure from financial projections or you love picking out an accent pillow, just go ahead and get after it!