Why 65% people never create Financial Plans for their future?

A financial plan plays an important role in achieving your financial goals. Let's understand why its important for you and your family's future.

There is a famous quote "if we are failing to plan then - we are planning to fail." Today's generation despite earning a good salary lacks a proper guidance and direction of financial planning for their future aim. Most people don't even have any financial aims for their future.

Salaried employees hardly get any time to think and work on their financial planning. If they find the time, they don't find the proper guidance to follow.  Their 9-to-6 job for five or six days a week along with their travel in heavy traffic leaves no time to think about anything apart from their daily routine.

Most of these people never do financial planning and later have to start their financial planning to recover similar to the person consuming medicine to recover after contracting a disease. In simple words, financial planning is actually a vaccine that should be taken much before. 

To be honest, future security comes from a good financial plan. We all hope we will live well past our 75 years, however, how many have thought of these questions below:

Will you be financially independent at that time? 

Do we have an income or savings today that will help you tomorrow? 

Will the amount we have would enable us to be financially independent at the time we will not be earning as good as today? 

Friends, here comes the importance of Financial Planning. A financial plan can help you survive mostly in bad times, and keep you away from the trap of loans. Let's check out in simple language How to do Financial Planning and dig deep dive into it:

1. Set your Financial Goals today:

Create two sets of financial goals, Short Term Goals (how much money would be required in the next three to five years) and Long-Term Goals (how much money would be sufficient after the retirement for a living and have a working plan to get decent returns).

Divide the amount as required for your short-term and long-term goals. Create a balanced flow between both of them. Try not to disturb this planning until an emergency arises. It will help you achieve your short-term and long-term goals successfully.

Decide how much money would be required for your goals and if you want to achieve it, financial planning is all it takes. As there is an expert dietician for a good diet plan, similarly there are financial advisors available to help you create a financial portfolio for you. Get this step done today itself.

Hot Tip: Decide what you want at various phases of your life, set your financial goals accordingly. Write down all the possible steps required in sequence from start to end along with a time stamp on them. Start working on the first one today itself.

2. Manage your finances:

Financial goals must be managed well according to the financial plan set for them. It's easy and could be possible. It helps you in anticipating and balancing how much money would be required for monthly expenses, holiday trips, kitty parties, income tax, and unplanned expenses.

3. Note down your cash flow:

Most people despite earning hefty salaries don't even know where their whole salary is spent and fall into the situation of lending money from friends etc. before the month-end. I recommend you to make a financial journal, where you jot down your weekly budget, and track your extra expenses. Track your cash flows regularly until you become an expert in managing it. Carefully monitor all your spending habits. This habit of tracking will help you become more cautious towards your expenses.

The more money you will save, you will find extra for investments. Invest wisely so that you can make your hard-earned money work for you.

Hot Tip: There is a famous quote - "Something which is not measured or tracked, never gets improved" or it would not be incorrect if you say "If you can't track your expenses, you cannot improve your financial condition." Start tracking every major or minor expense from today itself.

4. Keep family at priority:

All our goals are incomplete without our family. So, the financial plan is also incomplete without keeping the family in mind. Having a proper insurance cover and all the policies in place will give your family the protection and will you achieve peace of mind and breathe easy by ensuring that your existence or absence will not impact much on your family's financial future.

Hot Tip: Cover yourself with life insurance for your family's future.

5. Choose the right investments:

If Investments will be done properly, its outcome will be outstanding. Investments help in financial planning to achieve your objectives and goals with a surplus amount of accumulated wealth in need of an emergency. Every person has his own financial requirements depending upon his personality, lifestyle, and needs. Similarly, the investment plan has to be unique for every individual.

Hot Tip: Choose the right investment plan keeping the strategy to fulfill short-term and long-term goals at the right time.

6. Lifestyle:

It's true that overnight success or wealth is common in dreams or films. In true life, it's hard, sacrificing, and takes time to become rich & wealthy. However, without a proper financial plan and set of goals becoming rich is still superficial. Your lifestyle plays an important role in your financial plan.

If you will not be careful, your lifestyle or your living standard can turn you from rich to poor in a short span of time. Your standard of living should never be dependent on credit cards. The savings done with good planning on lifestyle will always prove beneficial.

Hot Tip: Financial Planning will help you a lot in sticking and not exceeding the amount spent on living standards. It helps in the long run to achieve your goals.

7. Financial Education:

You don't need to go back to school or college to gain knowledge about finance. In finance, there are two terms mostly used, Assets and Liabilities. You just need to understand these two terms. The world's richest people understand these two terms very deeply. Your financial plan will help you build Assets.

Let's understand Assets and Liabilities with the help of an example. Suppose your friend is going to buy a car. You know it loses its value the time it's out from the showroom and adds an extra expense on the financial plan. By this example I don't mean buying a car is a liability for everyone. It depends. It's a liability for those who hardly drive it even once a month.

The idea here is to gain a level of understanding of finance which will lead to managing your lifestyle and your budget. More assets and less liabilities in your life help you avoid unnecessary burdens or loans in the future. 

Disclaimer: Not to offend anyone who is planning to buy a car or already have it. The point here is more liabilities might reduce your chances of achieving your financial goals. 

Hot Tip: If you want to become rich, buy mostly assets. Think from the prospectus before buying anything, will it add to my asset or liability column. If the answer comes liability, take a deep breath and clearly say No to that buy. 

On the contrary, if you don't any liability and also no assets, then also it's a condition of being poor. By asset, I mean something which increases value in your life and its value should not go down. In short buy assets in your life rather than liabilities.

8. Develop a Skill - "How to save?":

Try to save a decent amount for a rainy day and also when it doesn't rain. The inflation rising daily, monthly, year by year can take you off track if you don't have a proper financial plan. The savings set aside in your financial plan helps you in distributing your money and utilize it in times of emergency rather than disturbing other funds kept safe for short-term or long-term goals.

Hot Tip: Money saved is money earned. Try adding at least some amount in your piggy bank to develop a habit of saving in your subconscious mind. It works.

9. Add charity fund to your Financial Plan: 

Its seen from the history of records that nobody got a name or fame without charity. I think it should not be for name or fame, it should be for your self-satisfaction. There are a lot of things we have by the grace of God, and we find so many deprived people from all those facilities. We can share a few things we don't use to give them the privilege to use and enjoy.

From your charity fund, you can arrange food for some poor people or maybe for animals. At least keep a small amount of fund which you can best utilize for the charity. Try giving something back you earned to the world to get real satisfaction.

Remember giving money to the poor is not just charity, however, bringing change in someone's life out of your charity fund could actually be a charity.

The whole Story Cut Short :  

A financial Plan helps you secure your financial future and also in achieving your short-term and long-term goals. Plan it in a way that can be calculated and seems feasible. Add the emotional value to your financial goals & future. When you get emotional about what you want, things begin to happen. It could be done in consultation with your life partner or with your financial advisor.

Every individual in the family has his own financial needs, hence a financial plan should be customized and a complete assessment of current financial circumstances should be done beforehand. Decide what all things you could afford to buy this year from the budget in your financial planning and work hard to achieve it e.g., You are planning to buy a 7 Kg Front Door Washing Machine. If it would be in the plan, you would most probably not go wrong with the product and it will be an asset for you.

So, it is important that a well-defined financial plan should be developed by knowing what's good and suitable for your future. Thanks a ton for reading my blog. If it's beneficial for you, do share it on Social Media, and don't forget to Subscribe from the top.

Next Blog: Top 5 Best Indoor Plants for your Bedroom

Celebrate Thanksgiving Day (Step by Step)

Thanksgiving Day - is celebrated on the fourth Thursday of  November month every year. Everybody enjoys a national holiday on this day in the US. It is celebrated from a long time ago since 1789. The national holiday wasn't until 1863 when Abraham Lincoln (16th President of United States), declared Thanksgiving a federal holiday every year in November during the American Civil War. This day brings the start of the fall/winter holiday season in the U.S. which brings happiness & joy. 😆

1. Why we celebrate Thanksgiving Day? 

Thanksgiving is a celebration of the near & dear ones in our friends & family and the closing of the fall harvest. It's a special day to express our feelings of thanks and a deep sense of gratitude to the close ones. Its the day to feel how lucky we are to have them in our life.
A special day dedicated to saying thanks to those who care for you, your parents, your family for being with you in every situation of your life. It is as simple as it sounds, a day to “give thanks” to everyone in this world who brought changes to your life.

2) How did it start? When was the first Thanksgiving Day celebrated in the US?

Long ago in November 1621, after the Pilgrims’ first corn harvest proved successful, Governor William Bradford organized a celebratory feast. Its remembered as American’s “first Thanksgiving”.

3) How should we celebrate Thanksgiving? 

Everyone has his/her own way of celebrating it. Celebrate it with your family that gave us life, who brought us into this world, gave us all the options we could think of. Moreover, we have seen them sacrificing their lives for our happiness. The first thanks is for them. Do whatever you wish you think will make them feel happier on this Thanksgiving day.

Macy's Thanksgiving day parade

4) How to plan for this special Thanksgiving Day?

On this special day, make sure you don't forget to watch: 

Macy's Thanksgiving Day Parade: 9 A.M. to 12 P.M.(Eastern Time) on 22 Nov 2018, Thursday.

Live Spot: 77th Street & Central Park West to Macy's Herald Square, NYC - Set an alarm 5 minutes.

Live Telecast on internet will be made available from 9AM at: 

a) Youtube.com. Click https://www.youtube.com/user/verizon

b) Open NBC Live website. Click nbc.com/live

5) After the parade, Shop before the shop closes.

Mostly grocery stores in the US are opened only for the first half on this day, so make sure you get to the store early to arrange all the ingredients you’ll need for your cooking.

6) After shopping. 

You can enjoy American Football. Cheer up for your favorite team. 

7) Dinner Time - cook the best meal:

a) Mashed Potatoes. Delicious and easy to make.

b) Green Bean Casserole (cream of mushroom soup, fried onions & green beans).

c) Candied Yams - Sweet potatoes are usually yellow in color. Creamy types of potatoes are also called Yams. The sweet flavor and soft texture of these potatoes make them a versatile dish for the main course.
You can either bake them, mash them like the regular potatoes or make a casserole with them You can add brown sugar and butter, spices, place marshmallows on top and bake them into candied yams, resulting in a deliciously sweet dish looking like a candy.

d) Pumpkin Pie - Its been a favorite Thanksgiving classics from a long time. It's still in the trend. Its flavor represents the arrival of Autumn season. You can find pumpkin spice coffee, pumpkin spice cookies and even pumpkin spice sausages and bagels in the market. If you have tried any one of these, you know that the flavor doesn’t even seems like having actual pumpkin in it.

Only the pumpkin pie has pumpkin in it. Its delicious warm spice and pumpkin filling inside a flaky crust will surely warm you up. (Indian too have a sweet dish called in Hindi 'Petha" which is made from white pumpkin aka winter melon). 

Pumpkin Pie with whipped cream

In US, Thanksgiving meal is generally made in good quantity and a lot of it is left after the dinner. The leftover food is then left to be consumed for the next day.

8) Why we should be thankful on this day? Think again.

During Thanksgiving, we should be thankful because we get to be with the family that gave us life, and who brought us into this world. They care for us and would never give up in our hard times. We should be thankful to all those who tried reconnecting with us after a long time ago. Also to all those friends with whom enjoy a lot and we feel to be lucky to have them in our life. Last but not the least one should also be thankful to God for our health for which if you care, it can reward you 100 times in return. 

9) What's After ThanksGiving Day?

a) After Thanksgiving, there is another famous day, known as Black Friday. On this day, stores across the country have huge sales where people wait in line for hours to buy cheap products (mostly for Christmas gifts).

b) Online buyers wait for the coming Monday which is known as Cyber Monday, where offline store mostly sell online on the internet on huge discounts. Many people wait for this particular day to purchase a lot of things online. Shopping list feels light on this day. 😊

If you are reading this blog post from anywhere in this word, you don’t have to live in America or Canada to enjoy Thanksgiving. All you need is a healthy food, an empty belly (stomach) and your family and/or friends. Enjoy as much as you can with them.

Wish you a very happy and blessed Thanksgiving! 

Remember giving thanks is the mantra to get respect in return. I hope you liked it. Don't forget to Subscribe from the top and post your valuable comments below. 🙏

Thankyou 

Practical Easy Steps to Reduce Belly Fat.

Practical Easy Steps to Reduce Belly Fat: 

1) After wake up, consume a glass of warm water with lemon juice daily. Make it a habit for 90 days without giving a break even for one day. Prepare in the night for early morning.

Drink warm water with lemon juice early morning daily

2) Increase water intake during the day. Always take the water bottle along with you when you move out. It helps you drink clean water. Also, ensure not to drink water along with food. Instead, drink at least 30 minutes before the meal.

3) Remove junk food from your brunch as much as possible - Samosas, burgers, patties will gradually increase belly fat. Try Poha, Masala Oats, brown-bread sandwich or Soup. We find healthy food as well in the market, the only thing we ignore is our health when we buy oily fried junk food.

If you can't find healthy food, at least choose the best. Ignore the taste for good health. Remember you eat food for your health.  Try it for at least 60 days. Say No frankly to junk food no matter whoever invites you.

4) Reduce the intake of sugar or sugar-sweetened drinks. Try Natural Fruits Juice. Half of the taste comes from sweets. If anything good happens, the first thing we bring in is sweets, pastries or cakes. The celebration seems imperfect without it. However, it's harmful to health in terms of belly fat. Try to avoid sugary products as much as possible to reduce belly fat.

5) Take meals in small quantity 5-6 times a day. Follow the descending order. Calorie controlled breakfast should be heavier in comparison to Lunch and Dinner. Take healthy salads, fruits, and sprouts in between the three major meals whenever you take breaks at work.

6) Increase the intake of protein and fiber-rich meals - it helps in reducing belly fat a lot faster. eg., beans, broccoli, oats, whole grains, fruits like strawberries, apples, carrots, radish, etc. The recommended daily intake of fiber is 38 grams for men and 25 grams for women.

7) Fix your time for meals & follow the same every day. Changing the duration of meals every day will result in health loss. It's easy & possible. Remember Irregular intake of meals disturbs digestion.

8) Consume dinner a minimum of 2 hours before sleep. Give at least 2 hours of time to digest the food before sleep. Never consume the food and straight away go to sleep. Instead, take a walk for 30 minutes.

Follow Simple Exercise at least 10 minutes a day every day:  🏄 🎾  🏈 🏃

1) Jogging for at least 5 minutes whenever you get time. Running gives a small pump to the body. If it is difficult to find a park or go outside, you could try running like a treadmill inside the room for 5 minutes. I know it sounds funny 😆, however, it's possible daily.

2) If you work on 2nd, 3rd, or on higher floors in the building. I suggest you follow the stairs at least once. It’s possible three times a week while returning from the break.

3) Exercise such as Crunches, Low Belly Leg Reach, Boat Pose (Navasana), Planks. You will get videos on youtube related to all these exercises. It's possible to do any one of them for 5 minutes daily.

Last but not the least - Believe in yourself that you can lose belly fat or weight. Yes, it's possible. Results can be seen within 60 to 90 days if you follow the above methods daily. Time will vary for each individual. Remember you have to push yourself to the extreme to get results. You have to give your best to get good out of it.

If you like this post, kindly share it on social media. Thank you.

Also Read: 

a) Do Men tend to collect more belly fat than Women?

By - Ajey Gupta

Do Men tend to Collect more belly fat than Women?

Belly fat is seen as the worst abdominal fat than fat elsewhere on the body. 95% people agree to it.

How to reduce our Belly Fat and look Slim and Beautiful. There are plenty of similar questions related to the belly fat. Lets find out their answers today:

Q Do Men 👨 tend to collect more belly fat than Women 👩?

Yes, it's correct that men tend to store fat in the abdominal area more than women do, due to sex hormone differences. Prior to the age 40, women tend to store most of their fat in the hips, thighs, and buttocks. And after 40, as estrogen levels drop, body fat is redistributed to the abdomen in females.

Q Does sleep matters in belly fat? 😪

Absolutely, many studies have linked inadequate sleep with weight gain, resulting in an increase in abdominal fat. Take at least 7 hours of sleep. Those who slept 5 hours or less per night were 30% more likely to gain 14 Kg than those who slept at least 7 hours.

Main Idea: Short sleep or poor-quality sleep can lead to weight gain, including belly fat accumulation.

Q Do women tend to gain belly fat during Menopause (the period in a woman's life (between 45 and 50) when menstrual periods permanently stop)? 👩

Gaining belly fat during the menopause stage is very common among women.

At puberty (between the age of 10 and 14), the hormone estrogen signals the body to begin storing the fat on the hips and thighs in preparation for a potential pregnancy. This fat isn't harmful, although it can be extremely difficult to lose in some cases.

Menopause officially occurs one year after a woman has her last menstrual period. At this time, her estrogen levels drop dramatically, causing fat to be stored in the abdomen, rather than on the hips and thighs.

Some women gain more belly fat than others during this time. It could be due to genetics, or the age at which menopause starts.

Hence,  hormonal changes at menopause result in a shift in fat storage from the hips and thighs to visceral fat in the abdomen.

Q Does the calories from alcohol 🍷also addon belly fat? 😉

Excess calories may be from alcohol or sweetened beverages -- surely increase belly fat. Yes, alcohol has an association with an increased waistline. The fact is when you drink alcohol, your liver is too busy burning off alcohol to burn off the fat, leaving you with a central obesity. Cutting down on alcohol may help reduce your waist size. I am not in favor of saying - you need to give it up, however, limiting the amount you drink can help. 😃

A survey conducted on 2,000 people, concluded that all those who drank alcohol daily but averaged less than one drink per day had less belly fat than those who drank less frequently however consumed alcohol in more quantity on the frequent days they drank.

Q Could Belly fat result in serious issues also? Is it more dangerous than other fats in our body?

The excess accumulation of belly fat is more dangerous than excess fat around your hips and thighs. Belly fat is linked to serious health issues such as heart disease, type 2 diabetes and also stroke. The main cause of this type of fat is the wrong choice of food intakes, lack of nutritional guidance, poor lifestyle etc.

Q Does Fatty foods, such as cheese, butter, and meat, are the biggest cause of belly fat?

Absolutely, the excess calories of any kind can increase your waistline and contribute to belly fat. To be honest, there is no single cause of belly fat. Diet, Age, Genetics and lifestyle all play a vital role in the belly fat. Changing dietary habits can help you fight belly fat: Before buying something, always check Labels. The reduction saturated fats, increase the number of fruits and veggies you eat, and control and reduce your portions.

Small Change: Reduction in Saturated Fats (Less than 30 grams for man and 20 grams for women daily), Increase Fruits & Veggies.

Q Which fats put up your weight but also can move the fat from other parts of your body to your belly?

The Trans fats, created by partially hydrogenated oil, add the amount of fat around the belly and also redistributes fat tissue to the abdomen from other parts of the body. Trans Fat is formed when liquid oils are converted into solid fats.  Trans fats is found in foods such as pastries, margarine, cookies, and fried foods.

Try to change: Cut down intake of Trans Fat to 2 gram or less per day. Use oils such as Olive, Sunflower oils or Coconut Oil.

Q What can promise fight belly fat? 

In combination with exercise, green tea could help you lose weight. It seems a little expensive, however, it contains substances such as Catechins and the antioxidant Epigallocatechin Gallate (EGCG) which helps in stimulate the body to burn calories resulting in the loss of belly fat. It boosts Metabolism. Blueberries also show promise, at least in rodents.

Small Change: Try Green Tea of any brand for a period of at least 2 weeks. It shows drastic changes when combined with exercise. If exercise not possible at least drink Green Tea instead of regular ones.

Q Junk food contributes to belly fat or there are other factors also. 

Junk-food options are generally high-fat, calorie-dense foods that are eaten in good quantity -- hence contributes a lot to overconsumption of calories, weight gain, and an increase in belly fat, condition says if eaten frequently. We hardly see any nutritional information provided by fast-food restaurants, but studies have shown that when this information is made available, out of 7 from 10 people tend to pick lower-calorie meals.

Try to change: Try having Brown Bread Sandwich, Popcorn, Yoghurt, Fruit Drinks, Soya Chips, Oatmeal Cookies.

Q Is replacing diet soft drinks with regular ones is a good way to trim belly fat?  

Soft Drinks and other Sugar-Sweetened Beverages are loaded with liquid fructose and are the No. 1 source of the increase in belly fat. It leads to increased fat in the lever. If you want to lose belly fat, it's best to completely avoid sugar-sweetened beverages such as soft drinks, soda, punch and sweet tea. High-Fructose Corn Syrup has recently replaced refined sugar as the main sweetener in soft drinks which is the potential contributor to the obesity epidemic.

Try to change: Adapt natural Fruit juices.

Q  Does eating a diet high in soluble fiber actually helps trim your waistline? 

It's best to add whole grains to the diet. The soluble fiber promotes weight loss by helping you feel full, so you naturally eat less. It also helps in decreasing the number of calories your body absorbs from food.  For example, instead of white rice, try choosing brown or wild rice. The research concluded that a calorie-controlled diet rich in whole grains can surely trim excess fat from the waistline.

Try to change: Adapt Oats which are richer in fiber.

Q Does Inactivity 🙇 also leads to belly fat?

A sedentary (spending a lot of time sitting down) lifestyle is one of the biggest risk factors for poor health.

Modern generation has generally seen less active as compared to the previous one. It resulted in the rising rates of obesity, including abdominal obesity.

Inactivity promotes an increase of belly fat.

To do: Try limiting the maids for various things at home. Try to do your own household stuff yourself as much as possible which will make your body active. Try joining a Gym if possible.

Q Does Carbohydrates also play any role in Belly Fat?

Certainly, to an extent reducing your carbohydrate intake helps in losing fat, including abdominal fat.

Diets with under 50 grams of carbohydrate per day result in belly fat loss in overweight people, those at risk of type 2 diabetes.

Q Does Belly fat harder to lose than any other fat in your body?

When you try to lose weight, it tends to lose in your midsection of the body. Always start with a well-balanced plan for losing weight including belly fat. Healthy Eating and Regular Exercise if the only way to reduce your waist size.

Try to change: Healthy Eating and Regular Exercise.

Q Does intake of low protein diets results in belly fat? 

Certainly, getting adequate protein truly helps in reducing belly fat. High-protein diets help in your increasing your metabolic rate, make you feel full and satisfied.

On the contrary, "low protein" intake may help you gain belly fat over the long term. So make sure you always take the diet rich in proteins.

Various Studies concluded that the people who consume the highest amount of protein have less belly fat.

Q Does exercises like crunches or sit-ups helps in reducing belly fat. 

Yes, doing sit-ups, crunches, or other abdominal exercises will strengthen your core muscles and help you lose overall fat, but its hard to say they specifically work on belly fat. The best way to cut down belly fat (or other fat ) is through dieting and exercise. You can start with aerobic exercises, such as running daily for 10 minutes, swimming if possible in summers, cycling, and playing tennis, are some of the best ways to help reduce body fat.

Q Which of the health problems are linked by Belly fat? 

Belly fat appears to be worst for the heart. Research has linked belly fat to heart failure, atherosclerosis (a disease of the arteries characterized by the deposition of fatty material on their inner walls), and other cardiovascular problems (relating to the heart and blood vessels).

It also has been associated with osteoporosis (bones gets weaker), dementia (decline in thinking skills), Alzheimer's disease (memory loss), diabetes, colorectal cancer (development of cancer from the colon or rectum i.e., parts of the large intestine), metabolic syndrome (risk of heart diseases), high blood pressure, and other health problems.

Main Idea: Its important everyone should take care of belly fat before it's too late.

Q What diet should one take to reduce belly fat?

Scientific evidence suggests that a calorie-controlled diet rich in fruits, vegetables, whole grains, oats, low-fat dairy, beans, nuts, seeds, eggs, lean meat, fish should be consumed at the level best if one has attained the age of 30.

Diet should include all the nutrients you need to get back into shape from waistline. It's possible. Recommendation from the experts concludes combining a calorie-controlled diet with just 30 to 45 minutes of exercise most days of the week.

Message in a Nutshell:

There are various factors in the increase in excess belly fat.

Few factors can't have any changed like your genes and hormone changes at menopause. However, there are a good amount of factors we all have in our hands.

Deciding and becoming health conscious in choices about what to eat or avoid, putting a consistent effort to exercise for at least 10 minutes a day, managing your stress levels and practicing yoga can all help you lose belly fat.

Remember: You always have to leave something bad to get something good. Sometimes our mind and eyes are unable to anticipate the causes of sticking to the bad. It's better to leave bad habits and start a new life by choosing healthy fiber-rich diet.

There is a famous quote by Josh Billings: 

"Health is like money, we never have a true idea of its value until we lose it"

With health, we don't see the results instantly. It takes time to heal, develop & regain. As we eat unhealthy food, we won't see the change immediately, similarly, if we start eating healthy food, results won't be seen immediately. Keep the focus and believe in yourself.

Next Blog: Practical Easy Steps to Reduce Belly Fat

Ajey Gupta