How Much Credit can you Afford?

Before making the decision to add more debt, you need to make sure that you:

*Allocate sufficient money for your essentials.

*Borrow only for items that you need and can afford.

*Borrow only if you're spending less each month than you take home.


1. Start with your monthly take-home pay.

This is the amount you have left after taxes and other deductions have been made.

2. Subtract the amount you need for necessities and fixed expenses.

This includes savings, your mortgage or rent payment, utilities, food, transportation, child care, medical care, clothing, and recreation. Include payments made on a quarterly, semi-annual, or annual basis, such insurance and taxes.

3. Subtract monthly payments for existing loans and credit cards.

4. The balance is the amount you can safely apply to debt repayment.

Avoid thinking you can spend all this amount, since emergencies do occur, and you may not wish to use your regular savings account to cover small, unexpected expenses.

Monthly Take Home $ _______________
Fixed Expenses ---- $ _______________
Loans/Credit Cards ---- $ _______________
Amount Available For Additional Debt $ _______________


Moral of the Story: If you’re planning to buy a new house or car, pretend you have already done so and start “making the payment” but to yourself. Within a few months, you’ll know whether or not you can really afford it and you’ll have some money set aside for repairs, etc. when you actually do make the purchase. If you can’t make the pretend payment, you certainly won’t be able to make the real one consistently. Time to go back to the drawing board and figure out what else you’re willing to give up in order to have the new debt.


HOW TO MANAGE CREDIT CARD USE
Many people find themselves with credit problems because they don't keep track of purchases they make with their credit cards. A simple method of keeping track of monthly credit card charges is to:

1. Determine the total amount you can responsibly charge on all your credit card accounts during that month.

2. Keep track of your credit spending in the same way you maintain a running balance of your checking account.

3. Subtract each amount charged from the monthly charge limit you set.

4. Stop using your credit cards if you draw this balance down to zero.

About the author:

Cindy S. Morus (www.phelps-creek.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer and Get Clients NOW!™ licensee. Contact her at 541-387-2995 or cmorus@phelps-creek.com She is also the publisher and editor of "Financial Fitness", an internet gazette dedicated to helping people improve their financial fitness no matter what decisions were made in the past.

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Planning for Your Financial Future

Two heads are better than one, so sit down with your spouse and plan out your financial future together.
Prioritize your bills.

By determining which bills to pay in which order, you'll get in the habit of making sure your essentials are always paid first.


Be careful using credit. Sometimes a financial crisis will come not because of a layoff, but because you're overextended. Most people can afford to devote 10 percent of their net income (after taxes) to installment debt, not including mortgage or rent payments. If you pay out more than 15 percent, you need to cut back.


Establish an emergency fund. Open a savings account and start "paying yourself" 10 percent of each paycheck.


What happens if we run into an emergency and our emergency fund isn’t enough?


Don't panic. When facing a financial crisis, stay calm. This will help you think logically and you'll avoid unnecessary arguments with your spouse.


Quit spending money. When faced with a financial challenge, it's easy to use your credit cards. But you may run up your balance to the credit limit and not be able to afford the payments, which will result in a poor credit rating—something you won't want during a crisis time.


Prioritize your bills. Pay essential, or survival, bills first: food, mortgage or rent, utilities. Next, pay car insurance, medical needs, child support, and any loans such as automobiles and furniture that are secured as collateral.

Then pay the nonessential bills—those debts in which no immediate consequences occur if paid late: credit and charge cards, attorney, medical, and accounting bills, newspaper and magazine subscriptions, life insurance, childcare, gyms, or clothing.


Communicate with your creditors. If you can't pay your bills or can only pay a partial amount, your creditors may be able to help you to establish a repayment plan.

Some lenders will allow you to defer one payment a year, meaning the payment for that particular month doesn't have to be made. The deferred payment is added to the end of the contract.


Take notes of any conversations with creditors, listing the date and person with whom you spoke. Whatever arrangement you make, get it in writing from the creditor before you send in money.


Know your rights. Many collection agencies are in violation of the Fair Debt Collection Practices Act. To get a copy of this legislation, visit www.ftc.gov. If you feel you've been violated, file a complaint with the Federal Trade Commission at their website.


Find outside help. Many churches and Para church organizations run programs to help you navigate through financial troubles.

A debt management company may also be able to help you reduce your payments, lower your interest rates, and pay off your debt faster than trying to do it yourself.

Such companies can also negotiate with your creditors to bring your accounts current if they're past due.
Avoid bankruptcy. Bankruptcies should be your last resort. A bankruptcy can remain on your credit report for up to 10 years.

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Mortgage Refinance: 4 Ways To Know Its Time to Refinance Your House

You may want to refinance your home for several reasons.

1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start saving money. A lower rate on your mortgage can help you stretch out the payments so that every month you are paying less to live in your house than the previous month. When interest rates are low and you had previously locked your mortgage into a higher price, it might be a good idea to shop your rate around to see how low you can get it. The early 2000's have been an environment of very low mortgage rates which make it a good idea to shop around to see if you can refinance your mortgage.

2)You need money and need to stretch out your payments. Maybe you've recently filed for bankruptcy and therefore need more money to get back on your feet. Maybe you've switched jobs and therefore need to refinance your mortgage in order to make your monthly payments lower. No matter what people say, it's always a good idea to have more money in your pocket than less, isn't it? Refinancing your mortgage might be a good idea in this situation.

3)There may be better deals out there than you think there are. Finding a new mortgage company or bank to refinance your mortgage might be a good idea just to kick the tires of the industry and see if you could get a better deal. If you've been spending a lot of money and paying off the balances on your credit card on a monthly basis there is a significant chance that your credit score has increase recently. An overall better credit score is better for everyone including your lenders. If a new lender sees that your credit score has increased recently, she might be in a much better position to give you a better deal on your mortgage than you think. She could refinance your mortgage by shopping the deal around at more banks and finding the best one for you. Shop your refinancing around, it can't hurt.

4)Mortgage refinancing as a sound business decision. If you own a small business of any sort and need a capital infusion, then investigating mortgage refinancing might be a very smart thing to do. If your business is truly small and you run it out of your house, then the line between your personal and business expenses might be thinner than you are reasonably comfortable with. Clearing up a little extra capital, through refinancing your home, every month might be the difference between investing in some new small equipment and not investing. Everything that is an expense should be lowered if possible. Refinancing a mortgage might be a fantastic idea to increase capital reserves and to plan for future investments. Many business owners who work out of their homes constantly try to decrease their monthly payments so that when it comes time to pay their business bills, they have a little extra capital. Always check with a CPA or attorney to determine what is deductible and what isn't. But, more money is more money, even if you are lending it from yourself to your business.

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Your Weight Loss Problem: How-To Cure It By Watching Movies

by:Beth Scott

Is it possible that you could actually lose weight while watching your favorite shows or reading your favorite books? YES, it is! Read this article to find out how...

I don’t know anything about you but if you’re anything like me then you struggle with a weight loss problem. Your weight loss problem consists of you struggling to keep your weight down, or struggling to make your weight go down.

Most people who see me wouldn’t believe that I have a weight loss problem, but I do. I’ve battled bulimia and constant gains and losses in weight, of ten pounds each time. Thats what I call a big weight loss problem.

A lot of women and men with the same or a similar weight loss problem would sympathize with me I’m sure. I want to look good (who doesn’t?) so that always motivates me to go on a diet.

But after sticking to a diet for a week and dropping the unwanted weight my love for good tasting food overpowers my need to feel attractive and the weight piles back on pound by pound.

There is always exercise to help with a weight loss problem, I remind myself as I lie lazily on the couch chomping down on one of my non-diet treats. “Sure!” I groan “I don’t feel like wearing my butt out without seeing any results for weeks at a time.”

Whenever I start a workout regimen I only stick to it for a few weeks (usually less) and then I get bored and drop it. So my weight loss problem continues.

How many other women I wondered (or men, for that matter) get bored while exercising? I thought about that for awhile then I set about to find a solution to help all those poor people (and myself too, of course) with this weight loss problem.

First I asked myself: What did I like to do? What did I find Interesting?
“Hmmmm, well” I thought “I like dancing, but long periods of it are exhausting. I like to read, to listen to music, and I really dislike being on my feet for over long periods of time.

What could possibly combine all or most of these to make my exercising interesting and help solve my weight loss problem?

The solution to my weight loss problem was amazingly simple!

I own an old stationary bike, and I do mean OLD, but the important thing is that it operates. You can do this with any form of stationary bike, whether it’s a twenty year old model or an up to date model.

It doesn’t matter whether you own the stationary bike or use a gym’s or your local YMCA’s or YWCA’s facilities.

My weight loss problem solution is this:

Find something engrossing to read. It could be a novel or your favorite magazine. Or listen to music that you enjoy, you could even use audio books or any different CD’s or things you could listen to.

I suppose if your bike was somewhere around a television or computer with a DVD player, you could even watch your favorite movie.

The next step is to mount your stationary bide and start biking while reading or doing any of the above listed activities, and not to get off for at least 45 to 60 minutes, except for an occasional rest every quarter of an hour.

I usually just keep biking away the whole time and sometimes I bike longer because I’m so engrossed in what I’m reading, and I won’t allow myself to read it once I’m off the stationary bike.

After a week of this, without change in my eating habits, or any dieting, I’m maintaining a healthy weight. Best of all I’m not putting on any new pounds, and my legs look visibly slimmer.

So I've kissed my weight loss problem goodbye, and I'm saying hello to slim jeans and size 6 dresses, and you can too.

For the first time in a long while I actually look forward to putting on a bikini.

ABOUT THE AUTHOR

If this method isn’t appealing to you or just doesn’t work, you should try visiting Brad Callen’s website at: http://snipurl.com/98g1
He gives excellent weight loss advice for those seeking it.

2005 - All Rights Reserved

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A Healthy Diet Plan

by: Renee Kennedy

How do you plan to lose weight?

Losing weight, gaining weight or maintaining a healthy weight can be a difficult task. However, if you learn to eat healthy and exercise regularly, and you train your body to accept that - instead of a daily task, it can become a "way of life."

Here is a simple 5 step plan that can help you learn how to live a healthier life:

Get into a Healthy Eating Mindset:

If you are going to lose weight or gain weight you must believe that you can do it. If you are discouraged, you will not be able to do it. You must think, I CAN LOSE WEIGHT. I WILL LOSE WEIGHT. I WILL GET HEALTHY STARTING RIGHT NOW!

This may seem a little over the top - but it's not. You need to get yourself into a healthy mindset. You need to give yourself positive reinforcement and pump yourself up.

You may need some help to get into a healthy mindset. It is not a weakness to admit that you need help. In order to be a healthy person, you have to admit that sometimes you just can't do it by yourself. You may need the help of a trained professional (a doctor, a dietician, a personal trainer) or simply a support network of friendly people. If you have tried to do it on your own and have failed, then it is time to get the help that you need - start with your family physician.

Your support network can be composed of people that are available for you to talk to, they should be positive people and they should believe in YOU.

If you don't want to count on your friends and family - you may need to go out and pay for a diet plan - Weight Watchers, Jenny Craig, NutriSystem are a few of the programs that also provide a support network of actual people you can talk to and find encouragement from.

Find Motivation, Set Goals, and Reward Yourself:

Motivation to lose weight or get healthier is going to be completely up to you! Whether you are just trying to lose a few pounds to go to your high school class reunion or you are trying to lose fifty pounds so that you can be a healthy person and play with your children... You need to find a motivation.

Once you have a motivation, set attainable goals. Set goals that you know you can achieve. In other words, don't try to lose five pounds in one week. One or two pounds per week is a small, attainable goal.

Also, plan to reward yourself when you've reached your goal. For instance, if your motivation is to shed ten pounds to go to your class reunion, then reward yourself with a new outfit to wear to the reunion. Or, if your motivation is to lose 50 pounds so that you will feel healthier, plan one fun day going to an amusement park when you've reached your goal weight.

Take little steps. Motivate yourself using rewards every step of the way. Set goals and rewards. For instance, "When I lose 5 lbs, I will reward myself with a new pair of shoes."

Set your own rewards based on what you really, really want. Follow through - don't just say you will reward yourself and then conveniently forget because there are more important things to buy or do - GO THROUGH WITH YOUR REWARD PLAN.

Plan to Eat Healthy Foods and Healthy Serving Sizes:

The US government has provided us with a healthy "food pyramid." This plan works! So don't be afraid to use it. It's simple, too. If you are an adult, each day you should have the following allotment:

Fats, Oils and Sweets - use sparingly. Milk, Yogurt, Cheese - 2 to 3 servings. Meat, Poultry, Fish, Dry Beans, Nuts, Eggs - 2 to 3 servings. Vegetables - 3 to 5 servings. Fruits - 2 to 3 servings.
Grains, Bread, Cereal, Rice, Pasta - 6 to 11 servings.

6 to 11 servings is a wide range. The amount of servings you need per day will be based on your daily activity and special needs:

A breast-feeding mother will need the highest amounts - 3 servings of milk and cheese, 3 servings of meat.

A middle aged woman who has a desk job will probably need the lower servings suggested - 6 servings of the grain/bread group, 2 servings of meat.

6 servings of grains may seem like a lot of food - but - you must be careful on the serving size. A pasta meal at a restaurant may equal 6 servings of pasta. Watching the amount of food is as important as the kinds of food. Serving sizes follow:

milk group - - 1 cup 2%, 1 cup yogurt, 1 1/2 oz of cheese meat group -- 2-3 oz. of meat, 1/2 cup cooked dry beans, vegetable group -- 1/2 cup of cooked or raw cut up, 1 cup raw leafy fruit group -- medium sized piece of fruit or 1/2 cup cut up, 3/4 cup of juice grain group -- a serving is 1/2 cup of cooked pasta or rice, 1 slice of bread, 1 oz.
dry cereal.

Do not assume that the serving sizes on packaged products are the same as the above. Use common sense. Be honest with yourself about serving sizes.

Here is a cool visual chart that makes for great printing. Print it out and tack it up on your refrigerator! Another great motivator is tacking up a picture of
yourself on the fridge - as you are now or as you would like to be.

Plan to Exercise:

You don't need to run a marathon every day in order to get exercise. There are little ways that you can get the exercise you need everyday. Here are some suggestions - choose at least one of these and do it everyday or at least once a week. I guarantee that after a couple months - if you don't get your exercise, you will MISS it!

Take the stairs instead of the elevator. Park the farthest away spot from the store every time you go. Take a 30 minute walk everyday. (This is the one that I do - I love my walk, if I don't get my walk, I really feel at a loss - and I am definitely NOT an exercise fanatic, but I never miss my walking even on vacation - and I feel GREAT because of it.) Take an aerobics class or a dance class. (Do you have a partner? Take ballroom dancing! Not only will you get some exercise, you will also learn a useful, fun skill.) Get off the subway or bus stop one stop before where you normally get off and walk the rest of the way home. Decide to take up a sport like Tennis, Racquetball, or even join a Softball team. Check out your community athletic center or the YMCA for sports that you think you might like to participate in. Buy a work out video and commit to working out 20 minutes a day.
There are some awesome workout programs for free on the internet. Here's one at Drop a Dress Size in Six Weeks. (I like the free ones you can do at home, because if you're like me, you're a clutz and are embarrassed to be seen doing any of those exercises in public!)

The Right Tools:

Support Network -

In the first part of the plan, we discussed a support network. This network may be made up of health professionals or simply a group of family or friends that you can talk to. They are positive people that will help you over the rough spots.

Healthy Eating Guide -

You need to know the right balance of foods to eat. Use this cool food pyramid. This pyramid is taken from the US Government Recommended Daily Allowances. If you join any type of Diet plan, they all have their individual ways of keeping track of your calories or nutritional intake, however, they are all similar to the Food Pyramid.

Nutritional Counting Device -

Make your healthy diet fun! The NutriCounter can help you keep track of your daily eating habits, it's a wonderful way to get into a routine and stay healthy. Learn more about The NutriCounter.

Come and visit the NutriCounter web site for more information on how nutrition influences weight loss, diabetes, pregnancy, heart disease and more!

http://www.nutricounter.com

Tags: weight loss

2005 - All Rights Reserved

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4 Great Diet Tips

By Jeannie Crabtree

http://www.smartweightlossplan.com

Here are 4 diet tips we all need reminded of from time to time.

Diet Tip 1: Never eat standing up.

Mom was right. Sit down and eat your food! Never eat standing up. One of the easiest ways to sabotage your diet is to 'eat without thinking'. Fix yourself a plate. Sit down and eat properly. You'll be less likely to just pop food into your mouth without paying attention.

Diet Tip 2: Fluids

Drinking plain water is always top choice on a diet. You can also drink flavored water instead of soda. Soda is nothing but empty calories. No nutrients, lots of sugar. Instead, grab a bottle of water flavored with a spritz of fruit.

Drink water. Even the FDA recommends at least 8 full 8 ounce glasses of water a day to keep your body working right.

When you're dieting, you should drink even more. It's not just that full feeling - water helps your body digest foods properly, cleans out your system and hydrates you. Many people are a little dehydrated part of the time.

Diet Tip 3: Skip High Fat Foods and Snacks

Skip the fatty snacks fried in hydrogenated oil like potato chips and french fries. These kind of snacks contribute fat and calories and not much else. Foods like this are a no no on a diet.

Instead, grab a handful of dried fruit or a cup of yogurt for the same amount of calories and a lot more nutritional benefit. You want to upgrade your diet in general.

Diet Tip 4: Yes, You Need Exercise

Can't afford a gym membership? Make an agreement with friends or family to exercise together. Make a date at least three times a week to play volleyball, take a walk or spend half an hour doing something active. You will draw closer to your friends and family, while burning off excess weight. Pretty soon every one will notice your weight loss

2008 - All Rights Reserved

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Acne treatment tips

by:M.D. Stracener

Acne is a broad term which includes blemishes, blackheads, and whiteheads. Acne can strike at any age. Effective acne treatments are sometimes difficult to find, and understanding acne and prevention can be frustrating. Here are some acne treatment tips that have worked for many.

Although acne isn't life threatening it can be uncomfortable and hard on your ego. There has always been a debate about the actual cause of acne. The actual cause isn't as important as finding a cure.

So is there a cure for acne. Well yes and no. There are many products available and for some they are a cure, for others they do not help. A cure is only a cure when you find a product that works for you.

Most acne treatments will take time to work. It usually takes around 8 weeks before you see any significant improvement so you are going to have to be patient. Once you've got your acne cleared up it's important to continue with the treatment that's working so it does not return.

If you have serious acne it is best to consult a dermatologist. However in milder cases you will often be able to get it under control by yourself just by preservering. Try these tips to conquer your acne.

Exercise

Regular exercise helps keep your whole body in shape. It builds your immune system and helps eliminate toxins from the body. It's a great start to fighting acne.

Diet

You need to eat at least 5 servings of fresh fruit and vegetables each day. Fresh fruit and vegetables are full of nutrients that your body needs. They boost the immune system and are good antioxidants. They can work towards helping you get rid of the acne. Try to avoid refined sugars and fatty foods which have are not good for you or your skin. You also need to drink at least 8 glasses of water a day to flush your system of toxins.

Cosmetics

Choose cosmetics that are water based and hypo-allergenic. Avoid oil free products, coal tar derivatives, and heavy creams. Make sure you wash your skin thoroughly every night to remove makeup residue.

Hormones

Hormones can play a role in acne flare ups and they can be used to reduce outbreaks. Your doctor may decide to use HRT to eliminate or reduce your acne outbreaks.

Clean Skin

You need to avoid harsh scrubbing of your face but you also need to thoroughly clean your skin nightly. Use a mild cleaning regime every night. Once or twice a week you should also use an exfoliator to gently remove damaged skin and unplug pores.

Shaving

Is actually a great exfoliating treatment the removes dead skin. However you should never shave an area that is infected or inflamed. Always use a shaving cream if your skin is sensitive.

Stress

Can be a contributing factor to acne so try to relax and unwind. Emotions trigger chemical reactions in the body which can cause an outbreak.

You can help control your acne outbreaks by following these simple steps. What are you waiting for?

About the author:

MD Stracener from The Acne Cure has been serving customers for over 20 years, providing valuable information to keep you beautiful and healthy. Please visit us at http://www.acnel.com/

2008 - All Rights Reserved

Technorati : acne, acne article, acne disease, acne information, acne treatment

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Down with acne

by: Beth Scott

Like a good many people I have been the victim of acne vulgaris (what an appropriate name) the medical term for pimples. It has made me aggravated, made me cry, and made me angry. Thousands of people each year are afflicted by it, and it makes recluses out of a good many teenagers.

It is caused when your pores get clogged and the fatty material made by the sebaceous gland accumulates, and a "bump" appears under the skin-or perhaps a whitehead or a blackhead (a comedone). Blackheads are not caused by dirt but by the discoloring effect of air on the fatty material in the clogged pore. If this substance becomes infected a pimple results.

As anyone can tell you the worst thing to do is to push or "pop" a pimple. Because this will not only cause more, but can result in life long scars. No matter what you see on TV or a friend tells you, don't pop a pimple. I know, I made the mistake and I'm still regretting it.

But not too long ago I discovered a way to lessen the intensity of my outbreaks, although it stops short of completely curing them.

I totally avoid grain products, most especially bread, corn, cereal, and other pastries, (also potatoes) and to still get all my vitamins I add wheat germ and brewer's yeast to yogurt or milk and fruit. Brewer's yeast does take time to acquire a taste to however, and can be found at most if not all Health food stores.

This method may appeal to you or it may not. Use your own judgment and see what is right for you.

Beth Scott

http://hop.clickbank.net/?workgirl15/acnefree

sweetstuff245@hotmail.com

Technorati : acne, acne article, acne disease, acne information, acne treatment

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What is acne?

by: Lana Hampton

What is acne? Acne is a term attributed to plugged pores, commonly known as blackheads and whiteheads, pimples, and even cysts or nodules, occur on the face, neck, chest, back, shoulders and upper arms. Follicles, often called pores, often get blocked with sebum (oil), which normally drains to the surface, and a bacteria propionibacterium acnes, begins to grow. Both whiteheads and blackheads start out as a "microcomedone" which then become skin blemishes called comedones. Acne can be upsetting, disfiguring, sometimes leading to permanent scarring.

There are different types of acne. A white head is a lesion where trapped sebum and bacteria stay below the skin surface. A blackhead, on the other hand, is a lesion where trapped sebum and bacteria partially open to the surface and turn black due to the skin pigment melanin.

A papule is a small solid lesion slightly elevated above the surface of the skin. A pustule, again, is a dome-shaped skin elevation containing pus: a mixture of white blood cells, dead skin cells, and bacteria. It often has a hair in the center. A macule is a temporary red spot left by a healed acne lesion. It is flat and pinkish, with well-defined borders that can persist for days to weeks. A number of macules can contribute to the "inflamed face" appearance of acne. A nodule is a solid dome-shaped or irregularly shaped lesion, characterized by pain, inflammation and extending into deeper layers of the skin. It may cause tissue destruction resulting in scarring.

A cyst is a sac-like lesion containing white blood cells, dead cells, and bacteria. It may be severely inflamed and painful, extending into deeper layers of the skin and can result in scarring.

Who gets acne? Acne affects teenagers mostly; however it can occur in adults of all age groups also. Acne starts between the ages of ten and thirteen and usually lasts for five to ten years. It normally goes away on its own in the early twenties but can stretch into the late twenties or thirties or even beyond. Some people get acne for the first time as adults.

The treatment of acne is not difficult at all. Following a clear regimen helps considerably. Gentle cleansing plus plenty of 2.5% Benzoyl Peroxide gives a clear skin as Benzoyl peroxide kills the acne bacteria well. A little itchiness after an application is quite normal, and some people also experience redness of the skin for the initial couple of weeks. However, this will definitely get better because it will cure the acne and prevent any new outbreaks.

About the Author

Lana Hampton is the webmaster of www.theacnecenter.com. Visit her site today for the latest acne information, treatments and product reviews.

2008 - All Rights Reserved

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Natural acne treatment

by:Seth Miller

Most of these products contain vitamin E, grapeseed oil, calendula, aloe vera, witch hazel or essential oils. For example, tea tree oil applied to acne has been found to be effective for hundreds of years. An herbal blend that can help with acne consists of equal parts of the herbal extracts of sarsaparilla, yellow dock, burdock, and cleavers. Take half a teaspoon of this blend three times daily.

Natural acne treatments are desirable because they have few side effects, are inexpensive, and are effective for many. There are many natural acne treatments available for purchase. These contain various plant extracts that work to dry up the pimple and sooth the skin

Stress is popularly thought to be a cause of acne. Yoga, exercise, breathing techniques, biofeedback, massage, and meditation may be beneficial. Chinese, Ayuredic, Tibetan and Japanese herbal medicines can be used to treat acne. Massage is often recommended for people with skin problems. It can help to increase circulation and lymphatic drainage and speed the healing of blemishes.

Maintain a healthy kitchen with plenty of fruits, vegetables, and whole grains. Eat foods containing healthy omega-3 oils such as ground flaxseeds, salmon, and sardines. Drink six to eight large glasses of water a day. Vitamins A, B, C, and E, as well as chromium and zinc, all play a role in reducing and preventing acne. Avoid refined sugar, fried foods, and trans fat (such as milk, milk products, margarine, and any hydrogenated vegetable oils). Some people find that chocolate, caffeine, carbonated beverages, iodized salt, shellfish, wheat and/or milk products aggravate acne.

When shopping for cosmetics and toiletries, look for the phrase "non-comedogenic" on the packaging. Avoid heavy foundation makeup. Most acne patients should select powder blushes and eye shadow over cream products because they are less irritating and non-comedogenic. Never pick, scratch, pop or squeeze acne, especially inflammatory acne or "pustules".

ABOUT THE AUTHOR

Acne Treatment provides detailed information on the best acne treatments, including laser acne treatment, and scar treatment, as well as adult, natural, home treatment, and more. For more information go toAcne Treatmentand / or visit its sister site at Microdermabrasion Web for related information.

2008 - All Rights Reserved

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Controlling acne

by: Lori Stryker

Lori Stryker has been researching and developing all natural skin care and make-up for the purpose of offering men and women safe natural cosmetics for everyday use. She brings to her research a specialist in human biology from the University of Toronto, coupled with a professional home economics degree and an education degree from the University of British Columbia, fusing chemical and biological knowledge with food family and textile sciences.

Acne...it affects a majority of teenagers and many adults well into middle age. It is dreaded and despaired over by many who suffer from this common skin condition. Clearing acne begins by understanding what acne really is and what triggers it. Then we will consider how it can be controlled by lifestyle choices, skin care choices and wise use of make-up.

Who suffers from it?

Teenagers struggle with acne, but so do many adults. Acne breakouts can result from fluctuating hormone levels at various stages of life, such as puberty, pregnancy or menopause. Outwardly, acne can reveal internal signs, such as poor elimination or buildup of toxins, a lack of exercise or high stress levels. Both men and women contend with acne, and as good health and beauty are intertwined, the causes of acne can reveal the solutions to managing and reducing skin breakouts.

What is it?

Acne occurs when the oil glands produce excess sebum, the skin's own oil, which accumulates with dead skin cells to form a plug which results in a clogged skin pore. Bacteria trapped inside the pore feed of the sebum mixture, multiplying and producing agents which irritate the walls of the pore. As the immune system works to attack the bacteria, pus is formed leading to an inflamed pimple, blackhead or whitehead. Picking or squeezing a pimple can cause the pore to rupture, releasing the bacteria into the surrounding area, and can cause more pimples, cysts or scars. For many, certain areas of the skin have overactive sebaceous, or oil glands which produce excess sebum. These areas are typically the forehead, nose, cheeks and/or chin. Comedones, or blackheads, are not caused by dirt, but rather by sebum which has clogged a pore, oxidized and discoloured by melanin.

What triggers it?

Often a spotty complexion denotes a diet high in sugar or saturated fats found in fried foods, refined or processed foods. Conversely, a diet low in fat may lack essential fatty acids, and can also affect the appearance of the skin. Breakouts can reveal toxin buildup, resulting from constipation, kidney or lymphatic problems. Other triggers include a polluted, dry environment, and seasonal climate changes. Genetics also determines whether a person will be predisposed to acne breakouts. In general, acne is caused by a combination of four main factors:

- Genetics

- Skin Care

- Lifestyle

- Emotional State

We cannot change our genetics, but we can change the other three factors to help reduce the likelihood of acne breakouts.

How can acne be controlled?

Skin needs to be cleansed, fed and nurtured. Externally, the skin benefits from a simple regimen:

- Cleansing with a mild, slightly acidic and all natural soap. Other kinds of soaps can cause redness, soreness, irritation or tightness because of the harsh chemicals, colorants detergents and fragrances they are made with. Avoid any products which contain ingredients which may irritate or dry out the skin. Most often culpable ingredients are petroleum derived, synthetic or animal based.

- Tone with an alcohol-free, all natural toner, since alcohol is drying to the skin and will cause the oil glands to produce more sebum. Toner also helps reduce the bacterial population on the skin, decreasing the number of bacteria which will migrate into the pores.

- Moisturize with a petroleum free cream. Petroleum is comedogenic and can clog pores unnecessarily. Creams which contain natural waxes such as beeswax do not have a comedogenic effect on the pores. At night, massage a facial oil into the skin as this helps increase circulation to the surface of the skin and suppresses the oil glands from producing excess oil.

- Once per week, use a gentle exfoliant to remove dead skin cells which accumulate at the surface of the pores and lead to blackheads. A mud mask used once every couple of weeks also helps draw out sebum in the pores as the clays present in the mask are highly absorbent.

Internally, the skin is fed and cleansed by a diet rich in fresh fruits, whole grains and vegetables. These foods provide more water, nutrients and fibre into the diet and can make a remarkable difference in the appearance of the skin. Relaxation, adequate sleep, exercise and stress reduction also play an important role in keeping the skin clear and healthy as they assist the body to repair and detoxify itself.

Seasonal or climate changes, such as winter and humid summers in addition to dry, polluted environments also contribute to acne breakouts by drying out or irritating the skin. As the skin is exposed to dry temperatures moisture is lost through the skin, triggering the oil glands to produce more sebum. Keeping the skin clean and moisturized is essential to preventing the pores from becoming clogged with excess sebum. In humid conditions, the skin loses moisture through sweat and evaporation, triggering the same process which can lead to breakouts. Moisturizing and regular cleansing in dry, humid or polluted conditions can reduce the onset of acne.

Makeup can also trigger breakouts. If they contain comedogenic ingredients, such as those derived from petroleum, they may contribute to acne despite a clean and healthy skin regimen or lifestyle. Choose all natural makeup which is in harmony with the rest of your skin care regimen and less likely to contribute to breakouts.

Acne treatments which contain salicylic acid or benzoyl peroxide worsen acne, as these are skin irritants and very drying. Tea tree essential oil is a natural alternative, and works by sterilizing the infected area upon contact without damaging the surrounding skin cells. It can also prevent microbial growth in that area for hours. Other treatments for acne include hydrocortisone which thins the skin over time, or antibiotics which can contribute to microbial resistance in the long term. Hormone treatments work by decreasing testosterone levels in the body, since this is the hormone responsible for sebum production. There are natural alternatives to aid in controlling acne, such as tea tree, lemon and juniper berry essential oils. These are effective and much safer to use for treating acne.

Acne can be a source of frustration for many. Much can be done, however to minimize the occurrence of breakouts thereby reducing the impact of acne on our lives. Making healthy adjustments to our diet, lifestyle and skin care product choices can lead to clearer, more radiant and healthy skin, free at last from acne.

References:

- Erikson, K, (2002). Drop Dead Gorgeous

- Marsden, K, (1993). Super Skin

- Purvis, D, (1989). The Business of Beauty

- The Organic Makeup Company can be located at http://www.organicmakeupcompany.com

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