Being smart with your money isn’t just something you should do; it’s something you must do. Far too many people live paycheck to paycheck and, as a result, don’t get to enjoy life. You have one life to live and if you have tons of debt, you’re wasting your time on this planet.

How Easy Debt Accumulates

It’s too easy to accumulate debt. You start off with a simple car loan and then you’re good credit promotes credit card companies to send offers. At first, you think, ok I need a few just in case, and then before you know it you have a handful of credit cards all with balances. The problem is that most people don’t use money wisely. They get a credit line and immediately find a reason to use it. Now you owe out more money than you can pay back in a month, and this is where you start to sink. Now you have interest accumulating on all your credit cards, making it almost impossible to pay them off anytime soon.

Ways to Bring in Extra Money

If you’re in over your head and can’t afford to pay your household expenses and your outstanding debt, you will need to bring in extra money. You can sell things on sites such as eBay, look for a part-time job, or even start your own business. If you have a talent, a specific skill or a good idea for a business, you can start out slowly, and in the not too distant future, maybe even leave your day job behind. Thankfully, there are many reputable banks and lenders willing to provide a business loan to help fund your small business.

Your Credit Score

Sadly, having too much debt doesn’t only consume most, if not all, of your disposable cash; it also causes your credit score to thrust into a downward spiral. So now you have too much debt and an undesirable credit score too. Unfortunately, anything you do from this point will cost you more. You move into an apartment, more money. You need utilities turned on, more money. Applying for a new credit card, you got it, more money.

Tackling Debt

There is no quick fix to debt. It’s a slow process that requires patience and perseverance. However, there are several ways to get it under control. First, stop spending money on things you don’t need and learn to live on a budget. If you have many credit cards, make the minimum payment on all but one, the one with the highest interest rate. Once you pay that one off, move onto the next one with the highest interest rate and so on.

Changing Your Spending Habits

Poor spending habits can lead you down a road of financial ruins. The good news is that it’s never too late to change your spending habits. There are needs and wants, and the needs always supersede the wants. Needs are something that’s necessary, whereas wants are things you desire. In order to remain solvent with your money and achieve financial success, you must put your wants on a wait-list.

This doesn’t mean you can’t acquire them, just that you will need to save for them. When you establish a savings account or an emergency fund it forces you to take a portion of what you make each paycheck and put it away. This is the first step in learning how to save. When you reach the amount of money you need to purchase the desired item two things happen, you appreciate it and you don’t pay one extra cent for it. You actually own it outright, no interest, and no additional fees.

Debt is something that most people have. However, when it starts to control you and your ability to live, it’s time to get it under control.

New York is an incredible place with countless historical sites and things to do. While it’s impossible to see everything the Big Apple has to offer in a single visit, here are some of the top things you should do during your next NYC vacation.

See a Play

You can see a play in practically any city you visit, but most don’t hold a candle to NYC productions. With stirring acting and artistic sets, they entertain and enlighten viewers. For the best theater-going experience that just might change your life, check out NYC play reviews before deciding where you want to go.

Visit the Memorial Museum

The National September 11 Memorial and Museum commemorates the lives of those who died during the terror attacks on September 11, 2001. Plan to spend at least two hours viewing the many different exhibits and displays. If you want to learn as much as possible about the history of the building, opt for a group tour.

Statue of Liberty and Ellis Island

Visiting NYC without seeing the Statue of Liberty and Ellis Island up close would be a mistake. No matter how many times you’ve seen Lady Liberty on television or in books, it’s nothing like seeing her in real life. If you book a tour, you’ll learn more about the fascinating history of the renowned statue and Ellis Island.

Check Out Times Square

Times Square is a destination both tourists and locals love. The huge commercial intersection is the site of many celebrations, fireworks displays and events. Check the calendar to find out what events will be going on when you visit. If they interest you, make sure you squeeze them into your schedule.

These are just a few of the many things you can do in NYC. No matter what you choose to do while you’re there, visiting the remarkable city will undoubtedly prove to be a highly memorable experience.

Funny how trends and styles that were once the “in thing” will suddenly become uncool. A style that was the rave of the moment with everyone getting over themselves to get in and, boom, became obsolete. Just like that.

It doesn’t even help that if for whatever reasons you find yourself rocking any of these out of favor, old school style; chances are you are going to be ridiculed, shunned, made fun of or even getting cursorily glances from total strangers – like you committed one heinous unforgivable crime.

That said, let’s take a trip back in time to look at trends that have gone the full cycle — styles that were at the time – desirable, cool, and fashionable. Then fall out of style and were relegated to the backwaters of fashion. And are now making a comeback.

Ermm… one thing though, don’t laugh. You might find these dressing trends funny. And if you want to check out more funny sweatshirts and hoodies trends, you may want to visit justcoolsweaters.com

Back in the ’90s: Sweater tied around the neck

Uh… why in hell’s name would anyone go about wearing a sweater around their neck without ever wearing them properly?

Welcome to the 90’s mate. This preppy look seems to be back in full swing once again. Sure, this look works in a weird way and from afar might seem unnecessary – you know, like if you’re not going to wear the darn sweatshirts why carry it along at all?

It sure does have some practical use even if it isn’t obvious – it is keeping your neck warm, at least. Plus, the drape comes in handy when you start feeling some chills.

We’re right in the middle of the ’80s: Baja Hoodies surge

Ok, these weren’t called the hoodies then, pullovers were more like it. They are roomy pullovers with large slits on each side, a hood, one gigantic centered front pocket, and two thick cords that don’t serve any obvious use.

Baja hoodies were associated with the backstreets in the ’80s and thanks to the 1982 movie Fast Times at Ridgemont High its reputation as a countercultural fashion was cemented forever.

However, a variant of the pullover is making a comeback; though this time, its neck cut is more like the regular college sweatshirts we see around now.

Wearing sweatshirt around the waist

Well, this one as funny as it may seem, when you try to understand the logic of tying a sweater around the waist seems to be a rave of the moment, especially among younger girls.

It is seen as part of the athleisure culture sweeping through street fashion scene. The trend has caught on with Millennials, especially the outdoorsy types.

Looking beyond the ridiculousness of the style, underneath is a practical purpose – a handy piece of cloth you can wear when temperature drops while you are out and about.

Half on…half off

With all the trends we’ve seen so far, one thing is clear, your sweatshirts and hoodies don’t have to be worn in the traditional sense.

You can stylize, add some twist and outrightly go bizarre on your looks. Talking of weird, this style half on…half off takes the dressing trends for sweaters to a whole new level.

Instead of wearing your sweatshirt, or even, draping it around your neck, you pull out all the stops and wear it but still not wearing it.

Ermm if you’re a bit confused with this description, think of those designer one-sleeved, cropped sweaters; but in this case, you’re recreating that style yourself.