TIP #61 Skincare: what are you doing to prevent wrinkles?

The number-1 cause of wrinkles is sun damage, so it's important to use sunscreen even in winter and on cloudy days. A great tip is to purchase two moisturizers: One for night and one for day that has at least an SPF15 UV protection. Don't use moisturizers with sunscreen at night, they are not meant to be used 27/7 and the ingredients can aggravate skin.

TIP #60 On the web: Too many passwords?

Here is an easy tip to manage your online password overload. According to Consumer Reports, it is best to have three passwords: one for financial websites, another one for site with your personal information and a third for sites with no confidential information, like blogging sites. Make it easier by starting with something easy to remember like the name of your pet spell backwards. And then add some numbers or signal to the beginning and end.

TIP #59 Work: Hate your job? Here is a simple tip that can help improve your mood.

Incorporate lava lamps and green plants in your work space. These are scientifically proven to reduce stress and improve health on the job. The movement of the lava lamp is visually relaxing, and green plants increase job satisfaction by providing a sense of rest. Research shows that having plants in your work space is more beneficial than having a window!

TIP #59 Trabajo: ¿Odias tu trabajo? Aquí te traigo un simple consejo que puede ayudar a mejorar tu estado de ánimo.

Incorpora una lámpara de lava y plantas verdes en tu espacio de trabajo. Ambas han sido científicamente comprobadas a ayudar a reducir el estrés y mejorar la salud en el trabajo. El movimiento de las lámparas de lava es visualmente relajante y las plantas verdes aumentan la satisfacción en el trabajo al proporcionar una sensación de descanso. Los estudios muestran que tener plantas en un espacio de trabajo es más beneficioso que tener una ventana.

TIP #58 Savings: There is money in coffee.

Substitute coffee for expensive coffee drinks. The $2 a day you could well save by buying a coffee rather than a cappuccino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.

TIP #58 Ahorro: La plata esta en el café.

Reemplaza las bebidas de café caras con café regular. Los 2 dólares al día que te puedes ahorrar al comprar un café en lugar de un capuchino o latte, pueden sumar a más de $500 en el transcurso de un año. Estos $500 pueden representar un fondo de emergencia.

TIP #57 Savings: Don’t let the ATM rob you.

Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week could well cost you $3 a withdrawal or more than $150 over the course of a year.