Debt Consolidation Means a Lifestyle Change

Its very easy to get in to debt, with the consumer society we live in we have been led to believe that we can have it all right now and pay for it in manageable bitesize chunks each month. The financial crisis and ongoing recession has proved that the buy now, pay later culture fostered by the credit and retail companies was an unsustainable dream and now many people have great TVs, awesome cars, went on fantastic holidays but have huge debt mountains that have to be dealt with.

Debt consolidation is a great tool for many families to pull themselves out of the miserable debt cycle. The lower rate of interest gives breathing space each month so you can use your income for essential living costs rather than paying off interest on the couches you bought a few years back, it will reduce your stress levels as you wont get new bills every day and you can make that one easy payment each month right after you get paid.

Once youve consolidated your debt though you need to rethink your lifestyle and attitude towards credit. If you havent already, now might be the right time to cut up those credit cards particularly the store cards that have crazy interest rates. A new attitude needs to be adopted of waiting to have the money to buy something rather than having everything now and repaying it later. The consumerist lifestyle also needs to be rethought; do you really need to take a foreign holiday each year? Can the gas guzzling SUV be traded in for something more economical? Is there a cheaper place to buy groceries and apparels?

The danger with debt consolidation is that you dont change your lifestyle and manage your income and expenditure to ensure you dont spend more than you have each month. Debt consolidation is your second chance to get your finances in order there isnt a third chance because if you fail to change your ways after consolidating your debt and continue buying gadgets and going out to restaurants and then paying for it all on credit then you risk losing your home, family and lifestyle.

Its a pretty scary thought so once youve consolidated your debt, change your ways, change your attitudes to money and think of the relief youll have in 5 years when you are finally debt free.

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Jokes jokes and more jokes means more laughs laughs laughs. Laughter is a sure sign of jolliness, happiness and enjoyment, so if telling jokes can create emotions and atmospheres as such then why is the whole world not telling more funny jokes at every opportunity

Even in the most miserable of mundane surroundings - you can bet a bottom dollar if a good jokes or gags are cracked then the atmosphere changes from gloomy into a jolly ambience.

If you are in charge of an entertainment plan for a wedding, birthday party or anniversary, then, for the celebration to be a success you will need a good script of funny jokes. Jokes are funnier if actions are applied. Remember, actions speak louder than words. If it is your choice to take the part of a stand up comedienne, then so be it. If you are afraid of making a fool of yourself on stage, then better still because the more you act the goat the laughter gets louder when the punch line is delivered.

To keep the air filled with laughter keep the jokes rolling. When telling jokes. clean or dirty, you have to bear in mind that not everyone shares the same sense of humour, meaning, seeing the funny side of things, so therefore do a little research on what you feel is appropriate for your guests. Clean jokes are just as funny as dirty jokes. People can also be easily offended and embarrassed at joke material - so this is why it is important to check out your audience first. Racist's jokes should be avoided, telling racist's jokes can be disastrous which is understandable with the world as it is today, where sadly we have more crying than laughing.

Okay back to planning what party jokes you tend to use and how to present them, once again remember, actions speak louder than words when telling jokes and so do costumes. Dressing up can have your onlooker now see your funny jokes as being hilarious. Choosing the right costume will make all the difference so be careful at this point because, no matter how funny your jokes are, your outfit can send out other signals. For example: Take coco the clown who we expect to throw buckets of water over people, topple and take tumbles, okay this is fine if you want to play funny pranks on people, however it is not often you see a stand up comedienne dressed as a clown unless telling kiddies jokes.

Comediennes are usually remembered for their jokes and how they dress. Drag queens like Lily Savage, Danny La Rue and Dame Edna Everage became famous for their false identities (opposite sex). Then we had Max Wall famous for his walk and Freddie Frinton for his role of a drunk on stage. These are just a few ideas, however the more unique you are under the spotlight may just keep you in the spotlight if you wish to make a career out of telling funny jokes.

If you selected different jokes like Irish jokes, Scottish jokes or even parrot jokes, then at your side have a case filled with assorted wigs or instruments to use; these will help make your hilarious jokes come to life.

Some people are naturally talented when telling jokes, however for those who are not and find they have been nominated to entertain need not fret. All you do is watch a video of how other entertainers perform when telling jokes. Duplicate the jesters actions by standing in front of the mirror and practice, who knows you may even laugh at yourself at this point.

If you want the event to be a success then audience participation is definitely the way forward for guaranteed laughs. When calling upon a guest to join you on stage to help out with a trick or you tend on them being on the brunt end of your joke, then you must select that person with carefully, meaning, "Can they take a joke".

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READ MORE - Jokes jokes and more jokes means more laughs laughs laughs. Laughter is a sure sign of jolliness, happiness and enjoyment, so if telling jokes can create emotions and atmospheres as such then why is the whole world not telling more funny jokes at every opportunity

Having a 1st birthday party for your child at home means a lot of work, you will have to keep in mind that some children are lactose intolerant and may not be able to eat the cake and other bread items. Therefore, you will need to cater some dairy free foods too. Here is a simple dairy free 1st birthday cake recipe that everyone can enjoy.

What you will need for the chocolate cake recipe:

2 cups of rice flour

1 cup of cocoa powder

1 tablespoon of baking powder

tablespoon of salt

1 cups of dairy and soy free shortening (you will get at any store)

2 cups of sugar

4 eggs

1 cups of almond milk or rice milk

cup of maple syrup or mixed fruit jam

2 teaspoons of vanilla extract

Method:

Preheat the oven to 350F or 180C.

Sift together the rice flour, cocoa powder, baking powder and salt in a bowl.

Mix the sugar and shortening together using a blender for 3 minutes (you will get a fluffy mix at the end).

Beat the eggs in a separate bowl and whisk until fluffy.

Add the eggs to the sugar-shortening mix and combine well to get a viscous mix.

Add the vanilla extract and maple syrup to the mix, along with the almond milk.

Now add the dry ingredients and mix using a blender on maximum speed. There should be no lumps in the mix.

Pour the batter in the cake tin (greased) (if you are using silicone mold then there is no need to moisten).

Bake for 35-40 minutes until the top is firm and the cake is spongy.

Remove from the tin and let it cool at room temperature.

To prepare the dairy free icing you will need:

2 cups of powdered sugar

cup of dairy free margarine

cup of almond milk

cup of cocoa powder

teaspoon of vanilla extract

Method:

Use an electric mixer to blend the margarine and sugar.

Add the almond milk, cocoa powder and vanilla extract and let the mixer do the job to make spreading more consistent.

Decorating the cake:

Slice the cake in two parts horizontally.

Mix some cocoa powder with hot water and gently sprinkle the cocoa liquid on the bottom layer and the top layer. This will keep the cake moist.

On the bottom layer, spread some of the frosting.

Place the other layer over it and cover with frosting on all sides.

Refrigerate for a few hours before serving.

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READ MORE - Having a 1st birthday party for your child at home means a lot of work, you will have to keep in mind that some children are lactose intolerant and may not be able to eat the cake and other bread items. Therefore, you will need to cater some dairy free foods too. Here is a simple dairy free 1st birthday cake recipe that everyone can enjoy.