Recession Proof Guide to Happy Living

The unending economic woes should not be cause for worry to anyone armed with the tricks of surviving in hard economic times. Surviving in economically challenging times involves a proper combination of expense cutting strategies and income boasting mechanisms. The strategies and mechanisms to be recession proof in these gloomy economic times are listed below.

Budget
Knowing the importance of budgets in facilitating financial soundness is the core secret to staying above the recession flood. The ideal recession budget should be one that primarily focuses on reducing costs. Some health coverage costs and other unnecessary costs spend on groceries and household items should be struck off one’s recession budget. In case of necessary health coverage like dental coverage and necessary grocery purchases, cheaper options should be obtained. It’s advisable to look out for discounted coverage plans and free coupons on groceries, toys, clothing and other household items.

Track expenditures
The next logical step after budgeting is to track expenditures to see whether they are in line with the budgeted estimates. In case they are in line with the estimates this shows an improvement in expense cutting strategies and a higher chance to survive the recession tide. In situations where current expenditures are further deviated negatively from budgeted amounts this signals the need to develop more workable strategies. Strategies will only be workable if discipline and sacrifice are infused into spending patterns.
To properly track expenditures it will be better to purchase using debit cards instead of cash. A debit card keeps record of all monthly expenditures.

Manage credit situation
Debt is one of the roadblocks to happy living during recession times. Simple measures like suspending the use of credit cards for sometime will help ease the debt burden. If it becomes necessary to buy on credit requesting for a Home Equity Line Of Credit (HELOC) from one’s mortgage lenders will be of great aid. HELOC is offered by popular banks like Bank of America and allows one to carry out large purchases on credit. To further manage one’s credit situation the available assets should be used to offset bank loans and other debts.

Research on income sources
During recession times many jobs are lost as companies cut back on their employment budgets. Researching on recession proof careers and industries is a proven way to find a well paying job during recessive times. Part time jobs will also help supplement one’s main income during hard economic times. These jobs may include singing, writing, dancing among others.
The recession period can be a bitter experience to all without sound financial plans and proven survival tactics. It simply takes a well defined budget and a steady income source to be recession proof and have a happy life when many are having bad times.

This article is a copyright of Emmanuel Kigen

Guide To the Best Computer Security Solutions

Every computer user is confronted everyday by computer security threats. Threats may be from viruses or other harmful software’s like malware, spyware and root kits. To stay safe in a world full of hackers and malicious software’s all that is needed is computer security solutions that would give total protection from viruses and worms. Reviewed in this article are the best security solutions from the best anti-virus software’s, registry cleaners to the best firewalls.

The best firewalls

A firewall gives a computer user protection against hackers. Hackers may attack one’s computer and infringe on ones private information. Without a trusted firewall ones computer is left open to the world of illegal coders whose main goal is to infiltrate computer systems of unsuspecting computer users. The best firewall available in the market is Zone Alarm Firewall. Zone Alarm Pro Firewall 2010 offers protection against intrusions by hackers. With zone alarm online privacy is guaranteed. Zone alarm firewall also has anti-virus and anti-spyware tools. There is also a free version of this firewall. The advantage of zone alarm is that it is easy to use. Other highly rated firewall includes Prisma firewall and Eset smart security firewall. These all offer reliable computer security solutions for both home PC’s and office PC’s.

The best anti-virus software’s

The main protection offered by any anti-virus application is protection against viruses, worms, adware, spyware and malware. An anti-virus usually scans the whole system checking for any intrusive software and subsequently notifying the user. The strength of an anti-virus lies in its update’s. Because viruses are invented daily, anti-virus software should usually be updated regularly either automatically or manually. The top ranking anti-virus applications are Bit Defender, Kaspersky, Webroot and Norton anti-virus. These anti-viruses are easy to use and install and are also available in free versions.

Superb Registry cleaners

Registry cleaning is a Contemporary development in the PC world. It is always assumed that inefficiencies in a computer such as slow speeds and constant freezing are caused by viruses or malicious software’s. However problems with a computer registry may cause the computer to be inefficient. A computer registry is spoilt by leftover files and links of removed programs. It is also spoiled by some add on and plug gins. Registry cleaners repair the registry by fragmenting it and removing from it unnecessary files and links. “CC cleaner” and “Easy cleaner” are one of the best registry cleaners available. The free version of CC cleaner cleans the registry entirely returning it to top form.


The world of contemporary computer security solutions contains many PC security products than those listed above. There are anti-malwares, anti-spywares, and root kits removal among other products. These when combined with the above offer ultimate security to ones computer.

©Emmanuel Kigen
This article is a copyright of Emmanuel Kigen pending publication in Ezine.