Discretionary spending refers to the money you spend on things you want but don't need. For instance, you might cut your discretionary spending by watching a film at home instead of going to the movies. Cutting discretionary spending will help you save for retirement at 40 and give you practice living a low-cost lifestyle, which is often an important feature of retirement. Mandatory spending refers to spending on things you need, like food, utilities, and transportation to and from work. You might be able to cut your mandatory spending by, for instance, buying traditional (as opposed to organic) foods and using coupons more often. If possible, use public transit instead of buying and maintaining your own vehicle. While it can be convenient to own your own automobile, ownership also requires insurance, maintenance (oil changes, tune-ups, repairs), and petrol costs. Over time, these charges add up to a significant sum. Alternately, get a ride from a coworker. If you do choose to own a vehicle, drive it as little as possible and keep your tyres inflated to their proper level to save on petrol. Unless you absolutely can't find something in your size or style, shop for clothes at secondhand stores. Scour secondhand stores for furniture and decorative knickknacks, too. Dining out even once a week can add up quickly. It's far easier to save money by cooking at home. In cases where you can't go home to eat (such as when you're at work), pack a lunch pail and eat in the break room. When you get a bonus or raise at work, you might be tempted to adjust your lifestyle by spending more. To retire at 40, though, you should maintain your current spending level and save or invest the extra money for your retirement. . Consolidating loan debt means combining multiple loans into a single loan. By doing so, you'll have only one single monthly payment to worry about, and only one interest rate. If you have student loan debt, it will be easier to manage and pay off if it is consolidated. The process by which you consolidate your student loan debt will vary depending on the lending institution you've loaned from, so contact them in order to get the process started. Instead of living in a sprawling home, rent a small flat an efficiency or a one-bedroom gig. Generally, this will prevent you from making expensive monthly mortgage payments. Plus, if you live in a small space, you'll be unable to buy as much furniture and decor, which can help you save additional money toward your retirement at 40. If you find a home with annual tax, maintenance, and mortgage payments that total less than what you'd spend in a year on rent in a small flat, it may be worth it to buy the home instead.

Summary: Find ways to cut your discretionary spending. Find ways to cut your mandatory spending. Use public transit. Shop at secondhand stores. Eat at home. Don't spend more when you get bonuses or raises. Consolidate your student loans Downsize your living space.

Different brands may have unique features, but for most models, you'll first need to attach the plastic bowl to the processor's base. After that, put the grater blade onto the middle part (blade shaft) at the center of the bowl. Always make sure your processor is unplugged when assembling, disassembling, or swapping in a new blade/attachment. Depending on the size of your processor bowl, you may need to cut the potatoes in half before adding them. Most processors have a fill line that indicates the maximum amount of ingredients that should be added to the bowl. Firmly attach the lid on top of the bowl of the food processor. After that, hold down the "pulse" button at short intervals until the potatoes look grated. This shouldn't take long, which is one of the bonuses of using a food processor.

Summary: Put together your food processor. Add potatoes to the bowl. Shred the potatoes in the processor.

This is especially helpful for dyshidrotic eczema, which tends to occur on the hands and feet. Choose a moisturizing cream formulated for hands or feet. Petroleum jelly can also help keep your skin moisturized. You may also be able to find a barrier cream, such as Tetrix, that can help reduce your exposure to skin irritants. This can be helpful if you handle irritating substances, such as water, cement, or nickel, during your work. Corticosteroid creams are effective for pretty much any kind of eczema. Your doctor can prescribe you one that will help treat your flare-up. Use the cream after bathing, or try putting it on before you go to sleep. In fact, you can apply it at night and then put on cotton gloves, which will keep the cream on your hands. Scratching makes the rash worse. In addition, bursting the blisters also makes the rash worse. If you can let them heal instead of bursting them, your skin will likely heal faster. Unlike other types of eczema, water can irritate this rash, especially on your hands. Try to keep your hands out of water as much as possible. Sweating can also contribute to flare-ups. If you sweat a lot, your doctor may prescribe a treatment for this to help your eczema. Additionally, make sure to dry your hands thoroughly when you do get them wet. Metals such as nickel, chromium, and cobalt may also cause flare ups. You may be exposed to these metals if you work with concrete. Other chemicals from work or environmental exposure may also cause a flare-up. To keep your hands from this irritant, try wearing gloves. Calamine lotion can help soothe your rash. It can also calm the itching. You can also apply this lotion after washing your hands or bathing. You can find witch hazel at the drug store, usually near the rubbing alcohol. Witch hazel is an astringent. Soaking your hands in a bath of witch hazel can reduce skin inflammation and provide you with some relief during the healing process. This type of eczema can flare up when you're stressed out. Try to keep your stress levels down by incorporating calming routines into your life, such as a daily meditation regiment. Identify what causes you stress. Whether it's your job or even the evening news, identifying what makes you stressed out is the first step in dealing with it. Avoid or change what you can, such as skipping the news, and try to change your attitude about the rest. Try meditation. One simple way to meditate is pick a mantra. A mantra can be any simple phrase that calms you, such as "Life is good," or even just "om." Close your eyes, and repeat the phrase, letting your mind fill up with it. Continue until you feel calmer. Because this type of eczema is an immune response, immune-suppressing creams or pills can be effective. Some drugs in this class are tacrolimus and pimecrolimus. Your doctor will decide whether creams or oral treatment will be more effective for you. This type of light treatment can help decrease the severity of a flare-up, especially when used in combination with medications to help you absorb the ultraviolet light used. Usually, this treatment is only used when others do not work.
Summary: Use a moisturizing cream or ointment. Use a corticosteroid cream. Don't scratch. Avoid water. Avoid certain types of metals and other irritants. Use calamine lotion. Try a witch hazel soak. Try techniques to help you relax. Talk to your doctor about immune-suppressing creams or pills. Ask about phototherapy.