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This is the first rule of budgeting, and pretty much the only one. It sounds fairly obvious, but it's easy to go over budget, even when you have one in place. Be mindful of your spending habits and what your money is going towards. Larger expenses can be the most unpleasant but most effective ways to stay within a budget. If you take an annual vacation, consider staying home this year. Smaller expenses can also add up.  Try to identify and cut back on any expensive luxuries you enjoy. If you enjoy a weekly massage or have a preference for expensive wine, cut down on the frequency of these treats so you're spending money on them only once a month or once every second month. Save money on smaller expenses by switching to generic brands and eating home more often.  Try not to go out to eat more than one or two times every week.  See if you can reduce any of your fixed expenses by switching to a less expensive cell phone plan, reducing your television package, or improving your home's energy efficiency. Your money has to work for you, not the other way around. You don't want to feel like a slave to your budget, or to money in general, so it's important to allow yourself a small treat every month that won't break your budget. Don't abuse your own rewards system to the point where it gets counterproductive and ends up affecting your budget. The idea is to treat yourself to smaller, cheaper items like a latte or a new shirt and to avoid splurging on more expensive items like a vacation or a pricey pair of shoes. If you use credit cards, you should try to keep them at a zero balance every month to avoid costly fees.  If you cannot pay off the current balances, prioritize paying them off within a reasonable time period so that you can get to zero balances. Try switching to cash payments for most weekly purchases—particularly “extras” like eating out or coffee shop lattes.  This can help you control your spending, as people are more aware of the money they're spending when using cash than when swiping a card. . Take better advantage of itemized deductions when you file your taxes every year.  Start keeping your receipts, especially if you're an independent contractor and work from home or remotely. There are many amenities you can expense as part of your contract work when doing your taxes. It's a good idea to research ways to get a better tax refund as a contractor or ask your accountant how you can get a better refund. If you're a homeowner and have sufficient evidence, you might be able to cut your real estate taxes by challenging the value that a home assessor puts on your property. Don't factor in potential (unsure) sources of revenue, such as year-end bonuses, inheritances, or tax refunds. You only want to include guaranteed money in your budget.

summary: Stick to your budget and don't overspend. Try to reduce your expenses. Treat yourself periodically, but within reason. Pay off credit card balances every month. Cut your taxes Appeal your home assessment. Don't count on windfalls.


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Schedule an appointment with your family doctor to rule out physical issues that may be causing your sexual issues. Check if any medications you are taking or any medical conditions you have may be a factor. . You may want to ask your doctor about possible remedies if you are experiencing a low sex drive or other sexual issues, such as impotency. Your doctor may suggest medication or dietary changes A sex therapist is certified to help couples or individuals deal with sexual issues. You may be experiencing performance anxiety or impotency, or you and your partner may be having trouble sticking to a sex schedule or routine. If you and your partner are having issues discussing your sexual problems, or if you have sexual concerns, it may be time to consult a professional. Most sex therapy sessions are one hour weekly meetings, for four to six months. To find a sex therapist near you, visit the American Association of Sexuality Educators, Counselors and Therapists; the Society for Sex Therapy and Research, or the American Board of Sexology. You may be working through your own personal problems, like body image issues, or psychological issues, and these may then be affecting your relationship with your spouse. Consider individual therapy, whether it is with a sex therapist or a general therapist. This may help you achieve a healthy self image that can then be channeled into your relationship with your spouse, in the bedroom and elsewhere.

summary: Get a medical check up. Schedule an appointment with a sex therapist. Seek individual therapy.


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While you likely don't need to worry, suddenly losing your hair or having patches may be a sign of an underlying health condition that needs treatment. In some cases, your condition may even be serious. To make sure you're okay, visit your doctor to make sure you don't need medical treatment. Tell your doctor about all of the symptoms you're having, even if they don't seem related to your hair loss. This can help the doctor make a better diagnosis. Your doctor may recommend you get some diagnostic tests. While supplements are generally considered safe, they aren't right for everyone. They may worsen certain health conditions or could interact with medications you're taking. Talk to your doctor before you take a supplement to make sure it's safe for you.Tell your doctor about the supplements you plan to take and that you're hoping to regrow your hair. Additionally, remind them of the medications and supplements you're already taking.
summary: See your doctor if your hair loss is sudden or patchy. Check with your doctor before taking supplements.