How Much Do You Make Per Hour?
If you only know your gross salary per year, here's a quick way to figure out how much you make (gross) per hour. Take your salary, $40,000 as an example, and divide it by 2,000 hours to get $20/hour.

Many people argue that time is money. With that in mind, if you spend an hour clipping coupons, you should expect at least a savings of $21 to make it worth your time ($20 for your "wage" and $1 to make a "profit".) However, if you've only saved $5, then you've just "lost" $15 in earnings you otherwise could have made.This time-is-money philosophy can be dangerous, though, because it starts to account for every hour of your day, even the ones where you sleep and can't make any money!

Would You Buy It Anyway?
Many people see a coupon for an item and decide to buy it because it'd be cheaper than at full retail cost, but in reality, you should look at whether you were going to buy the item to begin with.

Let's say it was a coupon for a pair of nail clippers. You could get $1 off a $4 pair, for a savings of 25%. This is a great deal, but do you really need another pair of nail clippers? If you don't need to replace what you have, then you've just wasted $3 on an unnecessary purchase.

Also, watch out for impulse purchases that are made just because there's a coupon. Savings on an impulse item doesn't necessarily justify the purchase. However, if you were going to buy white vinegar this week, then clipping the coupon only takes a few seconds for quick savings.

Do You Need to Travel Farther to Use the Coupon?
If the coupon is for a 50-cent savings on an item but has to be used at a store 20 minutes out of your way, it may not be worth your time, or even the gas to get there!

Or even if you need to go to multiple stores to reap all of these savings - it may not be worth the hassle and the traffic, depending on how far apart these stores are, and if the savings are big enough to be worth it.

Watch out for in-store coupons, rebates or sales. Know what staples you need each week so you can scan the list of coupons and quickly pick out what you'd buy and what you wouldn't. You can also keep a coupon binder and clip any coupon you find interesting but don't have a use for right away, but you may use in the future. When it comes time to buy the item, then you can bring out your coupons to score some great deals.

The Bottom LineClipping coupons doesn't have to be a chore and if you already have idle time (such as when you're in front of the TV), why not clip coupons and save a little cash? It may not yield big savings all at once, but if you saved $5 a week, you're still $260 richer at the end of the year. After all, any money saved is still money that stays in your pocket and saving may become second nature before you know it. (For additional reading, also check out 4 Coupon Sites Worth Checking Out.)

Read more: http://financialedge.investopedia.com/financial-edge/0311/Is-Coupon-Clipping-A-Waste-Of-Time.aspx#ixzz1n2SBgbf6

There are a number of steps you can implement with very little effort that can help you stay healthy at the office. A little bit of planning and a few small additions to your daily office routine can help you live a healthier lifestyle.

1. Stay Hydrated

Water helps your body with physical and mental performance, detoxification and digestion. Keep a water bottle at your desk and you’ll find it much easier to drink the recommend 8 glasses of water each day. Adding some ionic trace minerals can help ease stress due to dehydration and result in sustained energy throughout the day.

2.Clean Your Work Area

Is your desk making you sick? Your keyboard, mouse, telephone and even your desk itself harbor germs, microorganisms, viruses and bacteria. Use disinfecting wipes, a UV light or a natural micro-fiber cloth with a disinfecting solution to help keep your workspace clean and free of contaminants.

TIP: Don't forget about your cell phone, it's a breeding ground for bacteria and one of the filthiest items you come in contact with each day.

3.Wash Your Hands

In addition to your immediate workspace, anything you touch at work could potentially be harboring contaminants, so it’s a good idea to wash your hands regularly. Ordinary soap and hot water is sufficient for washing your hands and face. If you’re in contact with a lot of people during the day, keep a small bottle of a natural hand sanitizer nearby in your desk or car. Remember, even if you maintain good hygiene and a clean workspace, others you work with may not.

4. Use Full Spectrum Lighting

Poor lighting in your office? No windows in your workplace? Regular office lighting can leave you feeling drained. Get a small full spectrum lamp for your work area, you may notice a big difference. Simulating daylight inside, full spectrum lighting is not only brighter, it saves energy and is easier on your eyes.

5.Take it Easy on Your Eyes

Poor lighting may not be the only problem for your eyes at the office. If you're working at a computer all day, be sure to look away from your monitor periodically and focus on other targets at varying distances to give your eyes a rest every 15-30 minutes.

6. Get a Good Chair

If you're spending 8+ hours in a chair almost every day, investing in a high quality chair can have great health benefits. No seat can enforce all the proper posture habits at work, but switching to a good chair may provide you with an immediate benefit and make a difference in the way you feel at the end of the work day.

7. Get Up. Walk Around. Stretch.

Take a break, stand up, and move around every 30 minutes or so. Simply getting up and moving around for a few moments combined with some light stretching can help keep you focused, less fatigued, and feeling better.

8. Eat Healthy

Good nutrition is the foundation for any healthy lifestyle and it's not difficult to incorporate some of that into the work day. Try to make better decisions about your eating at work and be sure to take a quality multi-vitamin with each meal. Proper dietary supplementation with super green foods, probiotics and omega-3 essential fatty acids can often have a huge impact on your overall health.

Snacking on seeds and nuts at work can provide sustained energy with many health benefits. Supply your body with essential fats, protein, minerals, and immune system boosting plant sterols just by eating a small handful of nuts and seeds including pistachios, cashews, pecans, walnuts, pumpkin seeds, almonds, and sunflower seeds.

9.Use an Air Purifier

Place a small, portable air filter near your desk to keep the air in your environment clean. This can be especially valuable if you suffer from any allergies, are sensitive to air pollutants, or if you work in an office environment with poor air ventilation.

10.Get a Good Night's Sleep

Sleep is vital for your body's healing and regeneration. Getting enough quality sleep boosts your immune system and energy levels while improving memory, concentration and reaction time. Getting a good night's sleep is a surefire way to look better, feel better and work better each day.


Stay productive, happy and healthy!