3 Tips for Raising Your Credit Score

A key focus of my blog is Financial Literacy/Money. While your credit score isn’t necessarily the be all and end all for your personal financial health depending upon your own unique circumstances, it’s definitely better to have a good score versus a bad score. If you have a lower credit score and want to raise it, it’s absolutely doable. The following sponsored post is entitled, 3 Tips for Raising Your Credit Score.

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Your credit score is important as this number is often what qualifies you for the loans you need to make big purchases. Unfortunately, many people have subpar credit score due to having too much debt. It is never too late to work on improving your credit score so if you use these three tips, you can boost your score so you can qualify for large loans in the future.

Pay Off Debt

Paying off debt is the simplest way to improve your credit score but it can be difficult to do when you live paycheck to paycheck. Start by tracking your monthly expenses and creating a budget. Then make sure you have paid all of your bills and place any extra money you have on your lowest credit card bill. Paying more than the minimum payment will help you pay off the card more quickly.

Keep Lines of Credit Upon

One of the biggest factors for your credit score is the ratio of debt to available credit. The higher this ratio is, the lower your credit score will be. For this reason, it is a good idea to keep lines of credit open even after you have paid them off. Your credit score will increase as debt goes down and you have more available credit for each of your cards.

Monitor Your Accounts for Fraudulent Charges

While most credit card companies catch large fraudulent charges to your account, they may not notice small charges that add up over time. If you aren’t monitoring your accounts, you may find yourself paying for these charges without realizing it. Make it a habit to check each of your accounts regularly so you can initiate a charge review if you have any fraudulent charges.

Improving your credit is a lengthy process but it can be done. Use these three tips to get started.

4 Ideas To Improve Waste Management For Your Company

Two key focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. When running a company or a business, one of your critical jobs in addition to selling your product or service is managing waste. In doing so you’re managing costs, which ultimately impact your profits and revenues. The following contributed post is entitled, 4 Ideas To Improve Waste Management For Your Company.

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Waste management is important for businesses for many reasons; firstly, waste equals loss of revenue, and secondly, waste compromises sustainability goals. Besides this, wasted time means loss of productivity and workplace morale. To improve waste management within your organization, these four ideas will support your progress.

1. Adopt Lean Principles

To produce less waste, companies need to adopt a strategic approach based around lean principles. Lean principles have the end goal of reducing waste by improving production processes. Lean focuses on reducing waste in seven different areas, including motion, inventory, defects, overproduction, transportation, and overprocessing.

Several different lean software packages can help businesses to reduce waste; one of the leading platforms is Pipefly. With this lean management platform, you’ll support your company to reduce errors, decrease lead time, and improve efficiency. Pipefly can support users to adhere to lean principles, beginning with ‘identifying value.’

Lean philosophy is all about using less resources while offering more value. Using Pipe Fly, you can map your value stream, create flow, establish pull, and work on continuous improvement. With all these important areas covered, you’ll greatly improve your waste management!

2. Improved Recycling Practices

To improve your waste management, it’s crucial to put highly effective recycling practices in place. When you are choosing supplies and resources, choose those that are easily recyclable and biodegradable. Materials such as plastics and cardboard are fairly simple to recycle. For materials such as e-waste or metals, you’ll need to hire specific companies and ensure that you adhere to the correct waste disposal regulations. Norstar is a great company for all your metal recycling needs; the service includes free pick up and focuses on sustainability initiatives.

3. Motivate Your Staff

Simple but true, to improve your waste management, you’ve got to motivate your staff. Create a waste reduction plan, write up new recycling policies, and train your team. It can be helpful to set goals together; having something to aim for will serve to motivate you. What’s more, creating goals as a team can improve employee satisfaction and create a stronger company culture. Once you reach your goals, it’s time to set new ones, keep going until you’ve eliminated waste from all areas of your business! To help you set goals for your business, try using apps such as ‘Goals On Track’ or ‘Habit Tracker’.

4. Vet Your Suppliers

When you’re looking to reduce waste, it’s good to vet your suppliers and see if improvements can be made. Waste includes wasted money and time as well as resources. Due to this, you’ll want to make sure you’re getting top quality items at a great price. To find the right suppliers, it can be useful to use a supplier information management database. A SIM database allows you to search for suppliers based on specific credentials, (including sustainability initiatives). Now more than ever, companies must prioritize sustainability across all areas of their business operations. With less waste, you’ll boost your profits and provide more value to your customers.

Taking Care of Yourself Under Stress

“Stress can make it hard to focus and take our enjoyment out of life. It can make it hard to work. It can affect your relationships and even your health.”

A key focus of my blog is Health/Wellness. Anyone who has battled stress knows that it’s a killer in terms of your personal health. There can be a number of potential negative outcomes when it comes to stress and thus it’s important to know how to manage it. The following contributed post is entitled, Taking Care of Yourself Under Stress.

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We all struggle with stress at one time or another. It can range from mild worry to stress that takes over our every waking thought and exhibits physical symptoms. Stress can make it hard to focus and take our enjoyment out of life. It can make it hard to work. It can affect your relationships and even your health.

Stress often comes and goes. When we’ve got a lot on at work, are busy in our personal lives or trying to cope with a global pandemic, we feel stressed out, but it doesn’t always last. As soon as things calm down, and we feel more in control, our stress levels start to relax. But this isn’t always the case. Sometimes, we’re dealing with a situation that drags on and on or seems to take over our lives completely. Perhaps living through illness or facing a case that means you need help from an Immigration Law Firm, or, a combination of things piling up, causing you to feel suffocated by your stress.

When you’re stressed out, it becomes hard to look after yourself. You might feel as though you don’t have the energy, or the interest, to practice self-care or even the most basic of personal care. But it’s important that you do. Fail to take care of yourself, and things will only get worse. Let’s take a look at some of the things that you can do to make self-care easier when you are dealing with immense stress.

Write Some Lists

Stress often makes it hard to organize your thoughts. You might be stressed out because you’ve got so much to do but feel as though you just don’t know what to do first, and the idea of adding something as small as exercising, or food shopping to your mounting to-do list can be unbearable.

Lists can help. Lists make it easier to prioritize and to manage your time. They also help things look smaller. When your tasks are written out, and you can cross things off, they might not seem so insurmountable.

If they do, write smaller lists. Focus on the things that you need to do today, writing short, easy to action lists, and worry about the rest later on.

Get Help

There’s typically more help available than you think, it’s just hard to see it when you are stressed out and tired. Ask for help from your family, friends and employer, and search online for any specific help or advice that you may need. It could be that speaking to a therapist and doing talking therapy can really help you, or maybe you need something more specific, such as a criminal defense expert, to help you out of the stressful situation you’re in. Ultimately, asking for help and seeking assistance could be exactly what you need to turn things around.

Focus on One Thing at a Time

If you are stressed out because you have so much to do, stop and take a step back. Focus on one task at a time, and don’t let yourself think about anything else until you are done.

Accept Feelings as they Come

Stress can cause feelings of anxiety, worry, sadness and anger. And there’s very little that you can do about it. Accept these emotions as they come, instead of trying to ignore them.

Let Yourself Laugh

Laughter is a powerful medicine and will often reduce stress and ease worry. Spend time doing things that you enjoy, with people that make you smile, and you may soon start to feel more at peace.

How Can I Make my Tacoma Seats More Comfortable?

Two focuses of my blog are Health/Wellness and Technology. Automobiles are technologies that most of use every day, which themselves incorporate numerous technologies. While automobiles’ critical systems include the power train, suspension, breaks and exhaust, the comfort of the driver is also critical the use of your vehicle. The following guest post is entitled, How Can I Make my Tacoma Seats More Comfortable?

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If you feel like your Toyota Tacoma seats are a bit rough, it can be frustrating, especially if you’re the type who regularly goes on long drives. Having uncomfortable seats can put a damper on a supposedly fun road trip and make a simple business drive more tedious. Find out how you can make the chairs in your Toyota Tacoma more comfortable and bump-free.

What Are the Common Seat Issues Concerning the Toyota Tacoma

As with any vehicle, it’s inevitable to come across specific issues. Depending on the year, there are common issues that Tacoma owners complain about with regards to seat comfortability. These include the following:

• Front seats are cramped and too close to the floor
• Floors are too high, so there’s no way to lower and raise seats
• Little headroom for tall drivers
• The car seats don’t have lumbar support
• Original Tacoma seat covers are a little less sophisticated and a bit uncomfortable

Given these concerns, there are several ways of addressing them. If the only issue you have is about the Tacoma seat covers being less elegant and comfortable, you can always have your seats refitted with customized seat covers made from leather, neoprene, or other types of luxury fabric.

However, when it comes to space problems, the solution might need a little more effort as these may require DIY repairs, upholstery of seats, and the like.

How Can I Fix My Toyota Tacoma’s Seat Height

The most common problem for older Toyota Tacoma models is the non-adjustable height of the front seats. Since the front cab’s floors are too high, so is the seat level, making the ride uncomfortable for both drivers and passengers, especially during long drives.

Fortunately, there are many ways to modify the Tacoma’s seats. You can re-adjust the height of the chairs on the front seat. If that doesn’t work, you can find scrap car seats with lumbar support and install them in your Tacoma. If you want something more manageable, you can also have custom seats built based on your taste and preferences.

On the other hand, owners of the Toyota Tacoma 2020 model do not need to worry about these concerns. The latest model now comes with electrically adjustable power seats that can significantly improve driver and passenger comfort.

How Can I Avoid Comfort Issues With My Car

The most important thing to do when purchasing a car is to consider comfort, especially if you’re more prone to take long drives. If you’re planning on buying a Toyota Tacoma, consider what other owners are saying before taking on this monumental, long-term commitment.

Ways to Provide a Safe Work Environment

Three key focuses of my blog are Career Discussions, Organizational and Management Discussions and Workplace Discussions. There’s a lot more that goes into an ideal workplace besides working in an industry that’s cutting edge in a swanky location like Silicon Valley. Workplace safety is also huge and not often considered. The following sponsored post is entitled, Ways to Provide a Safe Work Environment.

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Managing a large building is no small feat; there are tons of things you must think about on a daily basis to ensure everything runs as smoothly as possible. One of the most important aspects of maintaining a great work environment is making sure your building is a safe place for employees and visitors. Check out this article for some tips for how to ensure this.

Hire a Safety Team

A safety team can consist of just a few security guards who keep an eye out for trouble, or a large group of well-trained officers who maintain vigilance at all hours. When developing your safety team, determine whether you think your building would benefit from an armed officer Rockford IL or if you just need a general security presence. While there’s always a chance for danger, does your specific building run the risk of violent crime or are you more concerned about preventing petty theft? Figure out your specific needs and go from there.

Install a Surveillance System

Every building can benefit from having a surveillance system. With video cameras throughout the premises, you and your safety team can monitor everything and have a record of any issue that presents itself. This can help thwart potential threats, solve crimes, and even protect you and your staff from accusations of wrongdoing. Make sure you install a trustworthy security system and perform routine tests to ensure it’s working properly.

Maintain Open Communication

Another excellent means of providing a safe work environment is through maintaining a good channel for communication. Regularly check in with your employees and managers to make sure everyone feels safe, and let them know it’s their duty to report to you if anything is amiss. What better way to make sure people feel safe than by responding to their concerns?

It’s important that your building is safe; to ensure this is true, you can hire security officers, install a surveillance system, and talk with your staff often about any concerns.

The Unusual (But Healthy) Relationship Between Combat Sports and Office Work

Three focuses of my blog are Athletics/Sports, Career Discussions and Health/Wellness. There are a number of health drawbacks to office work where you’re sitting most of the day, staring a computer screens and enduring the potential stress from working with other people. A potential way to balance this out is combat sports. The following contributed post is entitled, The Unusual (But Healthy) Relationship Between Combat Sports and Office Work.

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Office workers tend to have a very mundane weekday. They get into the office, sit down for most of the day and work on stressful things from start to finish. While many people have gotten used to this kind of lifestyle, others are still struggling to cope with the boring schedule and tiring work. As such, it’s a good idea to have a hobby that you can look forward to when you get home.

Ideally, it should be able to relieve stress, help you stay active and also train you in other skills. Some people like to play video games, others like to go for a jog and some enjoy cooking. However, of all the hobbies that you could pick up, combat sports are an unusual but surprisingly good pairing for your average office worker.

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Combat sports come with health benefits to counteract office work

While most sports can help you counter the effects of sitting down all day, combat sports can go a step further and actually train you to become more flexible, to lose weight and also improve your muscles. In addition, learning a combat sport can teach you about self-discipline and controlling your emotions, and the techniques you learn can be used to defend yourself. While you should never learn a combat sport for the sake of hurting someone else, it’s perfectly acceptable to use the knowledge to defend you and your loved ones.

It’s also convenient to purchase training equipment. With websites like The Fight Factory, you can easily get your hands on training gear, apparel and even punching bags to keep at home. These at-home workouts are a great way to release some stress and train your body at home without needing to sign up for a gym membership. This means you can get into combat sports and reap the health benefits even if you work at home.

Combat sports can help with mental health concerns

Office environments can quickly wear down your mental health. Even thinking about being stuck in a small cubicle every day can make some people shiver in fear. On top of that, you also have to deal with snide co-workers and a pushy manager. It’s definitely not the kind of environment you want to be in for 7 hours a day. Unfortunately, many of us don’t have a choice and we force ourselves to stay with the job.

As a result of this, our mental health can quickly decline if we don’t find a hobby to anchor ourselves. This is where something like combat sports can actually help out. There’s a strong link between good mental health and combat sports. This is caused by several different factors, such as the feel-good hormone (endorphins) that you release when exercising. This isn’t a short-term impact either, but something that helps lower depression and anxiety over a long period of time. There’s also immediate stress that you can release with explosive physical activity, such as punching a training bag or lifting weights.

Lockdown May Be Over, But Your Business Is Still Vulnerable

Three focuses of my blog are Current Events, Financial Literacy/Money and Business/Entrepreneurship. We’re still in the Coronavirus/Covid-19 storm with no end in sight. Furthermore, the effects will be felt long after the storm has passed. Even in the aftermath, businesses will have to figure how to move forward. The following contributed post is entitled, Lockdown May Be Over, But Your Business Is Still Vulnerable.

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The fear and uncertainty of spring are now a distant memory. Businesses of all shapes and sizes all over the country are dusting themselves down and trying to resume a semblance of “Business As Usual”. Yet, while the lockdown may be over (for the time being at least), things are still far from back to their normal speed. You will likely be making fewer sales (unless your business name rhymes with Glamazon). You may have had to lose members of staff or radically change your operations to enable your team to work from home. You may have had to invest heavily on a physical and digital infrastructure that allows you to operate safely.

Image by Gustavo Fring via Pixabay

While it’s nothing you can’t navigate, you know better than to kid yourself. The next year and change could make or break your business. And while you should absolutely retain your sense of optimism, you also need to be aware of the very specific vulnerabilities your business faces in this challenging time…

Customers are scared to come back

While your business may be ready to receive customers now, not all customers are ready to do business. Many of your customers will have lost their jobs or at least lost a portion of their income. As such, consumer confidence is still at its lowest in years throughout much of the world. As such, you need to devote your marketing efforts to making customers know that they can return to your business without endangering their safety or their financial security.

Entice them in with promotions and targeted offers. Let them see what measures you’ve taken to keep them safe on and off-site. Establish yourself as someone they can rely on in this time of crisis.

Remote employees mean cyber security vulnerabilities

Unfortunately, times of crisis tend to mean open season for cyber criminals. And in the wake of the pandemic, they’ve been hard at work coming up with all kinds of phishing hoaxes, ransomware attacks, DDoS attacks and all manner of other nasty schemes designed to exploit vulnerable businesses. And although you may be able to protect yourself on-site, when employees are working remotely, this can create extra vulnerabilities. Work with an outsourced IT company like Levit8 IT Solutions to ensure that you’re covered on and off-site.

Cash flow is more important than ever

You’re more than likely facing a future of increased expenses and reduced sales. Which means that cash flow is more important than ever. Take your eye off the ball and you may find that you lose control of your finances resulting in unpaid vendors, late fees, charges from your bank and all manner of other avoidable costs that can further restrict your cash flow.

You need to focus on more than just staying afloat

Finally, if you’re to thrive in these punishing times, you need to focus on more than just staying alive. You need to focus on how each department’s performance metrics tie in with your broader business KPIs and goals. You need to ensure that you’re doing everything you can to maintain your profit margins and invest in Business Intelligence solutions to mine actionable insights from your data. Strategy is more important than ever. Don’t just react!

3 Ways To Avoid Bankruptcy When Starting A Small Business

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. As a new business owner, you always have to watch your costs and carefully manage debt if you’re going to use it. In general, you have to keep your operations financially healthy for as long as you can. The following contributed post is entitled, 3 Ways To Avoid Bankruptcy When Starting A Small Business.

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Staring a small business can be fulfilling, exhilarating and downright stressful at times. There are a lot of things that are involved when it comes to creating something from the ground up. One of the biggest hurdles most business owners face as they are starting up is the finances. The common known phrase it takes money to make money rings true. If you are a small business owner, you may be wondering how can you avoid small business bankruptcy when the money is tight. Well, here are some useful tips to keep in mind when it comes to capital and your small business.

Have A Plan

Planning is the ticket to a stress-free life in your journey as a small business owner. Creating a business plan with clear goals, detailed steps of execution, in-depth regulations and governing of the workflow is imperative to your company’s success. Your plan will give you the blueprint for making educated decisions about where you want your business to be located, the pricing of your product or service as well as how much it costs to run your business, and what to invest in. You also want to keep in mind that when you are asking for funding, investors are going to ask for a business plan, so it is better to have one than not.

Make Sure Your Product Or Services Are Quality

There is nothing that will bankrupt your small business faster than not providing quality products or services. You want to be sure that when you launch you are providing customers with the very best your business has to offer. Cultivate a strong and authentic brand for your product or service. If you already have existing customers, maintain great relationships with them. Put your focus on reaching your target market.

It Is Ok To Borrow But Do Not Borrow Too Much

This can be tricky. There is nothing wrong with borrowing money to get your business off the ground. The issue comes when you have found yourself borrowing too much money. Then you have found yourself in a tough situation that could lead to bankruptcy. That is why being mindful of how much you need to borrow is important. In a perfect world you may have saved up a nice chunk of money that you can invest in your business, but more than likely you will have to borrow some money.

No matter what, you want to be sure that you will get a return on your investment. Keep track of the monthly interest, how many installments you will pay and for how much and the term of your loan before you decide to sign. When going over your business finances, be sure to deduct loan payments from your profits that way you can fully understand how much the loan will cost you. Once you know how much the loan will cost you, down to the penny, you will have a better handle on paying the money back.

Why Won’t The Weight Of Stress Leave Your Shoulders?

A key focus of my blog is Health/Wellness. Stress has so many effects on personal health and literally kill you. As such it’s understand how to minimize and manage stress. If you’re trying to reduce stress, it’s important to zero in on what you can do to alleviate it. The following contributed post is entitled, Why Won’t The Weight Of Stress Leave Your Shoulders?

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Stress is one of the most common wellbeing issues experienced by people of all ages and backgrounds. Sadly, its omnipresence does very little to contain the negative impacts it can have on your quality of life. Worse still, if you follow the same processes as always, you cannot expect to see an improvement in the results.

With this in mind, identifying the reasons for your stress is a key step en route to recovery. Here are some of the most common sources that you may need to tackle head-on.

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1) Physical Problems

Physical health and mental health are very closely linked. Therefore, if an underlying health issue is left untreated, the restrictions it places on your life will cause stress. It’s not only the major or life-threatening issues that matter, either. Even something as simple as muscle soreness can put your mental wellbeing at risk. Whatever type of issue you experience, the key is to take quick action. The sooner you can put this discomfort behind you, the sooner your mind will start to clear.

2) Bad Influencers

People hold the key to your happiness, but they can also cause a great deal of stress and anguish. Sadly, most people that fall victim to bad influencers don’t even realise it right away. Sometimes the issues can be saved. For example, the Hart Centre offers marriage counselling that can get couples back on track. Then again, there are times where you should walk away from a bad relationship or a bad friendship. Even when it’s a sibling that keeps asking for money, taking a step back can work wonders for stress levels in the long run.

3) Financial Worries

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It is no surprise that stress, anxiety, and depression have all increased in parallel to the growing frequency of debtors. When you find yourself faced with financial difficulties, you must seek a quick solution. This could manifest itself as debt relief. Maybe you’ll find that managing your funds in an effective manner. Or making short-term sacrifices will deliver the results you crave. Either way, the knowledge that your financial status is moving in the right direction will pay dividends.

4) Legal Matters

Nothing stops you from being able to plan your future like legal uncertainties. When facing a pending court case, even if it’s something like a motoring offence, it can feel scary. Finding an expert like Tony Raunic to present your case can make a big difference. Aside from boosting your hopes of getting the right decision at your hearing, the advice they give beforehand is telling. The clarity of what to expect makes the process far less daunting while you’ll have a better insight into the best, worst, and most likely result.

5) Wasted Time

The thought that life is passing you by can be an awful thing. Sadly, it encourages you to procrastinate even more. Setting clear goals is the first step to going out and achieving them. On a separate note, you should learn to rid yourself of needless distractions. Avoiding social media when it leaves you feeling inferior is a great example. Conversely, spending more time appreciating the positives in your life can develop a heightened sense of worth. While it won’t remove stress entirely, it can reduce the impacts it has.

3 Health Benefits of Ditching Technology (For a Little While)

Two of the focuses of my blog are Health/Wellness and Technology. While technology has tremendously improved our lives, it does have some potential adverse impacts on our qualities of life. In some instances, it may be advantageous to disconnect from your technology, albeit temporarily. The following contributed post is entitled, 3 Health Benefits of Ditching Technology (For a Little While).

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Our lives are regularly dictated by technology. We want to catch our favorite shows as soon as they are released. We need to find out what is happening every minute of the day. Indeed, any time spent away from technology now feels unusual. But as much as tech can help us stay connected with friends and learn all about the world around us, it can also be detrimental to our health. Sometimes, you need to take a step back, so here are four health benefits of ditching technology, at least for a little while.

You Can Focus Better

If you choose to sell your iPhone 11 Pro Max, your Xbox or cancel your Netflix subscription, you will find your focus will improve. It won’t happen overnight, but rather than use tech as a crutch for background noise or scroll through when in an awkward situation, you will find you’re not continually feeling around to check worldly updates, even though you only checked a few minutes before.

This will significantly benefit your work and productivity as you won’t have that itchy finger reaching for your phone. You can still have a phone, you might need it, but a model without wifi or app capabilities might be better if you want to maintain a sharp focus. You won’t feel the need to check WhatsApp every 10 minutes, and you will also find that you will concentrate when watching movies, rather than staring at your phone for the entire two hours.

It Will Help You Unwind

Many people dread getting home from work only to see their boss has asked them to make a few small changes to a contract or project. Technology has made it so that we are always on the clock, which can increase stress levels and prevent us from unwinding.

If you make it a rule to switch your work phone off at the end of the workday, you will find you can relax after a long day and spend quality time with your family. Your job is just a job, and while it will help pay the bills, it shouldn’t come before your partner or your kids.

You Will Enjoy a More Restful Sleep

Studies show that 44% of people will sleep with their phones next to them or under their pillow. This is because they will scroll through before going to sleep or use it as an alarm to wake up.

However, while these are established aspects of your bedtime and waking up routine, they can affect your sleep quality. Playing on your phone before bed will affect your sleep patterns, as will the blue light that can impact a good night’s sleep. Try to leave your phone upstairs at night and invest in a proper alarm clock to wake you up in the morning.

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It can be scary to decide to abandon technology, even if it’s just one or two items. However, the health benefits that come with ditching technology can help transform your life for the better. You’ll have more focus, energy, and you might even be happier.