Many people never even plan on paying all of that money back, citing bankruptcy as their way out. Here are 11 ways you are staying in debt, and what do do about it. 1. Your expenses are too high This one is obvious. If you have backed yourself into a corner by amassing a huge house payment, huge car payments, large insurance premiums, and other gigantic fixed costs, then you are never going to have any money to pay down your debt....

1. Organize a Photo Scavenger Hunt All you need is a bunch of bored kids (done!), a few cameras or cell phones (all have them), a piece of paper where you list all the objects for the hunt (done in less than 5 min). Be creative and list various shapes (heart, square, crescent etc), along with colors and any other items that could be potentially discovered in your neighborhood. Print it out and give out to all the hunters....

1. The only thing that is constant about life is change. You can’t escape it. No one can. Life happens. People die every day, and their loved ones are left to mourn the loss and go on with life. People get fired every day. They have to learn to deal with their sudden financial losses and find a way to regain their security. Break-ups and divorces happen all the time too....

How do I know this? I speak from personal experience. It was not easy, but we made it work. We had already been dating for two plus years seeing each other every day. Then he got a big boy job and had to travel, living out of hotels for two brutal years. Our time being apart seemed like it would never end until one day we found out he received a permanent job assignment....

1. Actually, it’s not about them It’s about us. Break up exposes lots of insecurities that have been residing inside us. Once you make an effort to tackle your inside babies, you actually realize breakup is all about us – not about them. It gives you scope for personal growth and makes you a lot stronger as an individual. However, never repeat the same mistakes again. 2. You lose in heart, but you gain in soul Break up is devastating and heart wrenching....

1. If you want to change, you have to be willing to be uncomfortable. 2. Enjoy life now. This is not a rehearsal. 3. You never know how strong you are until being strong is the only choice you have. 4. Happiness is not the absence of problems, it’s the ability to deal with them. (Want to collect this quote?) 5. Life is never easy for those who dream. 6. If you don’t like the road you’re walking, start paving another one....

Though most people add sugar to sweeten, it can be served hot or cold; it all depends on the preferences of the consumer. Cold brew hibiscus tea are also available in cans, to which manufacturers such as Caveman Coffee added more flavor explosion to make the taste tea-singly delicious. However, most people consume the hibiscus tea probably because they know someone who does, or because they love its flavor and taste either sour or sweetened....

People skills are the various tools we all use to interact and communicate effectively with other people in our lives. You may have heard the term “soft skills“. People skills fall into this category. These are things you can’t measure like how well you score on an excel test. People with strong people skills are able to socialize well and relate to others. They are also known as social skills, interpersonal skills, and emotional intelligence to some degree....

Mashable created this icky infographic with 13 of the grossest things we do regularly, voluntarily or not. They range from the kinda gross but not too bothersome to never-eating-that-again gross. Some of it is pretty much unavoidable (passing gas is only natural, after all), but others might make you rethink how much trust you put in the cleanliness of the world (hello, airplane tray Petri dish). Now, pass the peanut butter, and hold the rat hairs....

Any business traveller will be able to tell you of stories involving jet lag and uncomfortable nights on a plane, but for those who are always on the go for business there are some solutions to your sleeping woes. The latest infographic from Sleepy People has found out 13 of the best sleep hacks that are going to transform the lives of business travellers. For example, if you’re only on a short visit for less than 48 hours, then it’s recommended to remain on home time rather than trying to adjust to a new time zone....

The thing is, few young people – and too few older people as well, I’m sad to say – don’t really know what it means to be a mature man. A truly mature man is a strong and confident individual, a diligent provider, passionate and caring lover, brave protector, problem solver, careful listener, a safe port in a storm and a friend you can depend on. Being a confident individual who knows a thing or two about life, understands that others depend on him and has his priorities straight, a mature man will never exhibit behaviors associated with inexperienced, immature and weak people....

1. Strength Stack 52 Have someone in your family who wants to get fit but doesn’t have the time, energy, or motivation to get started? Strength Stack 52 takes care of all this with its low cost, no equipment, small time commitment, and fun features! Designed by an ex-army Sergeant, known as The Volkinator, the card concept brings together competition and body-weight exercises to create a motivating game that will work out every muscle in your body, from your legs to your shoulders....

As the holiday season approaches, it can be more difficult than ever not to share your food with your pup. Their big, puppy-dog eyes are bound to follow you around your home while you try to eat but, according to the Huffington Post, under no circumstances should you share these fourteen foods with your dog. These foods include: alcohol, avocado, raisins, bones, walnuts, onions, dairy, grapes and mushrooms. Chocolate is a particularly notorious as a no-no for dogs, as it’s core ingredient can be toxic to your canine’s heart and nervous system....

1. He will never set a bad example. How many times have you heard a father tell his kids that there are certain things they must not do, like losing their temper and behaving badly? The problem is that some fathers lose it and are not a role model for their kids at all. They lose their temper when driving and curse the other drivers loudly. They forget that kids copy behavior....

1. They Know That Time Is Their Most Valuable Asset They don’t let others make them invest time in activities they consider boring and counter-productive to their self-development. You shouldn’t do that either. When you think that something is a waste of your time, don’t do it. Your time is an asset that IS NOT INFINITE. Nobody on this planet has unlimited time, yet people tend to spend their time like garbage....

Cauliflower is stashed with nutrients. It is low in fat, low in carbohydrates, and high in dietary fiber, folate, water, and vitamin C. This particular vegetable is highly recommended by WHFoods. Vegetarians and vegans tend to choose cauliflower as a reasonable substitute for carbohydrates instead of potatoes and rice. And you will be amazed to know just how many ways you can cook cauliflower! Here are 15 recipes you will love....

So how do you keep your marriage alive besides your everyday routine? Surprises! When you have a spare moment, surprise your husband. It will make him feel like you think about him, even when he isn’t around. It may even make him fall in love with you a little more. You probably feel like you won’t have the time or money to get a complete surprise ready. That’s why I made a list of 15 awesome surprises!...

Let’s focus on how we can reduce external distractions while improving focus and concentration. External distractions are things outside you that get your attention, while internal distractions, such as thoughts and emotions, are inside you. Understanding these distractions is important because your time and energy are limited resources. Wake up every day imagining you have five gallons of gas you can use in any way you wish. This invites you to imagine where you will expend your resources before you start your day....

1. Be Determined In order to be successful, you must first be determined to be successful. Know what your idea of success is, set your mind to it, and don’t turn back. 2. Maintain Discipline Setting your mind to be successful is one thing, but maintaining the thought is another. It’s easy to get distracted or fall into a sluggish mode. You must discipline yourself on a daily basis and continually work hard for it....

Yeah, you read that correctly. A cake that is also an ice cream sundae. This is absolutely the best of both worlds when it comes to desserts. Need I say more? Recipe Source 2. Double Chocolate Tiramisu One of my favorite desserts, made all the better by doubling the chocolate content. Martha knows best! Recipe Source 3. Giant Fairy Bread Cake I absolutely adore this cake. Not only does it look delicious, but it’s an awesome take on a childhood party favorite....