RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

How to Make Mornings More Tolerable

November 4, 2016 1:39 am

Waking up on the right side of the bed comes naturally to some people. For the rest of us, mornings can be painful. Morning person or not, however, your habits upon rising have a lot to do with how the rest of your day will go. Here are some painless ways to turn your mornings into good beginnings:

1. Wake up gradually. Bolting out of bed to a loud, jarring alarm is not the way you want to begin your day. Set the option on your smartphone alarm for ascending sound, so that your alarm starts off quietly and gradually builds, gently rousing you from sleep.

2. Make coffee time sacred. Instead of hitting the snooze button for an extra 10 minutes of poor sleep, take that time to sit quietly with your coffee, tea, cocoa or whatever your morning poison happens to be. The few moments of peace will ease you into the day.

3. Gather your thoughts. Meditate, pray, journal, etc. This will help calm and focus your mind. The frenetic pace of the day is lurking around the corner, so here’s your one chance to get grounded.

4. Exercise. Even if you’ve had a bad night’s sleep and still feel exhausted, getting a workout or a walk in will wake you right up. Exercise boosts your serotonin and energy levels and will always put you in a better mood to face the day.

5. Eliminate decisions. Even the smallest decisions can seem overwhelming in the morning when you’re rushing to get out the door. Save yourself some angst by figuring out what you’re going to wear and bring for lunch the night before. Do the same for the kiddos, too.

Published with permission from RISMedia.


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5 Easy Ways to Improve Your Money Management

November 4, 2016 1:39 am

If you’ve been hit recently with a late fee or two, or thought you’d paid that overdue gas bill when you hadn’t, your money management skills may need a boost.

Consumer finance pros at Business Insider suggest five easy ways to make managing your money easier:

Automate your finances to simplify control – Sign up for auto-pay, and monthly payments are automatically charged to your credit card or paid from your checking account. Even if you prefer to pay off the full amounts due each month, signing up to have the minimums automatically paid will ensure you won’t be faced with late fees if you fail to make a payment on time.

Put due dates in your calendar – For bills you can’t automate – such as rent or utilities – enter reminders in your daily calendar a week before payments are due.

Sign up for text or email reminders – As an alternative to writing reminders in your calendar, check with your credit card company, mortgage servicer, auto loan servicer and/or student loan servicer about getting alerts for your due dates. Getting digital reminders can help you stay on top of payments.

Enroll in credit monitoring – Your credit score and credit report are important parts of your financial life, but keeping tabs on them may seem inconvenient or time-consuming. When you sign up for credit monitoring, the service will notify you if things on your credit report look suspicious, which could be a sign of identity theft. If you don’t enroll in a monitoring service, it’s a good idea to review your credit regularly – and if you see mistakes, dispute them.

Download a savings app – If you find it tough to save, download an app like Digit or Smarty Pig, which keep tabs on your accounts and analyze what you can put in a savings account. They can then automatically transfer money from your checking account into a savings account. Another app, called Acorns, will round your purchases to the nearest dollar and invest your spare change.

Published with permission from RISMedia.


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