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DARK CHOCOLATE
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CREATED & EDITED
BY MEDIA N

IMPROVING YOUR MONEY HABITS

Acknowledging any financial bad habits you may currently have means you're already making progress.
Figure out what you make and what you must spend each month, then see where you have an excess or a lack.

Your financial life can completely switch gears by identifying bad money habits that are keeping your pockets empty.
Closely observe your spending habits to see where all your money is going.

You spend money
on things
you can't afford

Before deciding on a lender and a loan offer to accept, explore multiple potential lenders.

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BAD MONEY HABITS

People who pay with cash tend to spend less than people who pay with credit or debit cards.
Research shows buying with cash causes more psychological pain than paying with plastic.

It's all too easy to fall into bad money habits. You're just shuffling your debt around and incurring more debt.
The lack of an emergency fund can put you in a difficult financial situation.

Look for ways
to trim
expenses

Bad money habits can hurt your credit and finances enough that it blocks the path to realizing dreams like owning a house or retiring.

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Freshly baked buns

5 cups (1,200 ml) all-purpose flour, 0.25 ounces (7.1 g) dry yeast, 1c (240 ml) milk, 0.75c (180 ml) water
, 0.5c (120 ml) vegetable oil, 0.25c (59 ml) white sugar, 0.25c (59 ml) white sugar.

Measure out the flour and dry yeast and pour it into a medium-size or large bowl. Use a large spoon to stir all of the ingredients together.
Bake the dough at 400°F (204°C) for 12-15 minutes in the oven.

Shape the dough
into balls of
equal sizes

Mix a softened stick of butter with a few spoonfuls of honey, adding a little bit of each ingredient until you're satisfied with the taste.

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A loaf of bread

is better than the song of many birds.
Adding dried cherries, apricots, cranberries, or figs is a great way to a little bit of tart to your buns.

The chocolate will melt while you bake the buns.
If you're not a fan of dried fruit, you can replace it with pistachios or other nuts.

add
the amount of jam
you prefer

Drizzle the chocolate over some sliced fresh berries and a scoop of vanilla ice cream for a tasty dessert.

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Throw a casual dinner party for people

If you'd like a sweet drink, make your own lemonade or smoothies.
Buy fresh herbs and freeze any excess.

Cooking new recipes is a fun way to pass time.
Find some healthy recipes you’d like to try. If you have a bit of downtime, meal prepping is a great way to use it.

Consider
baking
your own bread

Make your own sauce with the ingredients probably already in your cabinet. Chop up soft herbs such as cilantro or basil. Slip them into a zipper bag.

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Consider setting up a home bar

Make your own favorite cocktails and mixed drinks at home.
It's as beautiful as it is delicious.

"Classic Mojito"
4 mint leaves, plus additional for garnish, 1 ounce (2 tablespoons) lime juice, 1 ounce (2 tablespoons) simple syrup or maple syrup, 2 ounces (4 tablespoons) white rum, 4 ounces (½ cup) soda water

Cosmopolitan
Cocktail
cheers

1 ounce (2 tablespoons) vodka or citron vodka, 1 ounce (2 tablespoons) 100% cranberry juice, ½ ounce (1 tablespoon) Cointreau, ½ ounce (1 tablespoon) lemon juice, 1 lime wedge, 1 teaspoon maple syrup

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Turn off the lights

Trying to force yourself to sleep can make you restless.
Take your mind off of sleeping and think about something relaxing.

"Quit smoking"
Kicking the habit may be your answer to better sleep. Avoid eating sweets and candy before bed because sugar can elevate your energy levels.

Use
white noise to
fall asleep

White noise is a constant, unobtrusive noise that helps you ignore disturbing sounds, like noisy neighbors or a busy street.

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Find a place

where you will not be interrupted
for the duration of your meditation.

"Cope with anxiety and stress"
Turn off TV sets, phones, or other noisy appliances. It will be easier to focus on your breathing if you are not distracted. Many meditation experts recommend doing light yoga stretches before meditation.

GET
PLENTY OF
REST

While many seasoned meditators recommend 20-minute sessions twice a day, beginners can start by doing as little as 5 minutes once a day.

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TAPER OFF YOUR SUGAR INTAKE

The sugars in most processed foods are bad for your health.
Sugar can act on the brain in the same way as addictive substances like tobacco.

"SUGAR"
Try to use healthy sugar alternatives like agave syrup, honey, coconut sugar.

CHANGING
YOUR
EATING HABITS

You can replace sugar with fruits. Fruit has natural sugars, but it's also loaded with vitamins, minerals, and other nutrients.

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Good or Bad?

Should You be Drinking Coffee?
Coffee is a drink made from coffee beans.

"Caffeine"
It increases adrenaline levels in your blood. Caffeine helps fat cells break down body fat and use it as fuel for training.

THE NEGATIVE
EFFECTS
OF COFFEE

Caffeine can cause problems in some people and disrupt sleep. Consuming too much caffeine can lead to jitteriness, anxiety, heart palpitations and even exacerbated panic attacks.

MEDIA N