Inspiration to your inbox

Struggling with Debt? 10 Actionable Tips to Manage Your Money

Are you struggling with debt? If yes, then listing your debts, laddering them, saving, learning how to earn money online, and other strategies can make you debt-free. Here are ten things I did to pay off my debt in just one year:

1. Listing Debts by Interest Rate

When paying bills gets tough, you might be tempted to stash them away. However, the essential key to clearing your debt is identifying your position. Get all your bills and debts and make a list of the smallest to the largest ones. Then organize the list from the debts with the most interest to the ones with the least interest. Because the debt with the most interest is incurring more cost, you want to start clearing it first. Once you have your complete list of debts with their interest rates, you will be aware of what you must tackle to end struggling with debt.

2. Ladder Your Debts

After listing your debts from the one with the highest rate of interest to the one with the lowest rate of interest, start with the one with the highest rate of interest. Pay off the most you can and once you are through, pay a similar amount to the next debt with the most interest and so on. This will save you a lot of money, and after debts begin disappearing from the list, you will achieve more momentum.

3. Get an Emergency Saving Fund

Since emergencies can occur, you must prepare for them. However, saving up for an emergency should not delay your plan to clear your debts. Prior to clearing your debts, create a small emergency fund of $1000 or more for unexpected costs like medical bills, car repair, or more. This can be cash you can use when something random comes up. In case there is an emergency and you use the money, top it up before resuming debt payment. However, remember to keep paying your minimum debt payments as you top up your fund to ensure you don’t face costly penalties.

Credit cards typically have high rates of interest. Therefore, if you use your credit card to cater for an emergency, you will end up in more debt. The more the debt you get into, the more the months it will take you to clear it, and the more the debt you will pay due to higher interest rates. Additionally, you will ruin your credit score.

Keep in mind that an emergency fund includes money that needs to be easily and quickly accessible once there is an emergency. You need to keep it in a safe place like a savings account. The money won’t grow much, but accessing it will be easy and it will always be there if you need it. And, you won’t need to tap into your credit cards in an emergency and end up struggling with debt even more!

4. Make Minimum Monthly Payments

You must always ensure you meet minimum monthly payments of your debt to avoid incurring late fees and higher interest rates. The ideal way to be on par with monthly card payments is to use the closing date of the card as opposed to the due date of the payment. The closing date completes your monthly bill, and any payment after this date is part of the following month’s statement. The closing date of your card is on the statement.

The report of the card’s balance at the closing date is usually sent to the credit bureau. Hence, if you clear the balance prior to that date, your balance will be zero on your statement. This will assist you in avoiding late fees and higher interest rates in addition to improving your credit score.

5. Make a Budget and Eradicate Any Extraneous Things

Coming up with a budget is an excellent idea of staying on top of your expenses when you are struggling with debt. As much as budgeting might make you feel broke, it is a way of directing the destination of your money.

An ideal starting point is to acquire your previous month’s expenses from a credit card or bank statements. Use an Excel spreadsheet or a paper budget to organize your expenses. Also, use an app such as Mint to budget your costs. You will need to come up with categories for every expense to create a limit to that expense and indicate your income. Ensure that your income always exceeds your budget. In case it happens, consider cutting some items from the budget.

If it becomes hard to use a computer or paper to budget, you could go for the envelope method. This is a traditional money management method that some people still use to control their spending. In this method, you make payments in cash for every expense you can, using envelopes to hold the money and maintain the budget.

6. Downsizing Temporarily

Paying off debt does not happen forever. It is kind of delayed gratification that will enable you to enjoy a life free of debt. Look at the expenses of your previous month and look for things that are not essentials. It could be eating out, entertainment, monthly subscription services, and so on. Do away with these expenses temporarily and then use the savings to clear out more debt.

7. Increase Your Income

After organizing your debts and creating a budget, the next step is to increase your income. You can do this by looking for a higher paying job. You can also apply for more senior positions at our current company. Additionally, you can acquire a second job so that you can make more money. You can also look into how to earn money online.
Getting a promotion or another job might take a while or prove difficult. But do you know how to earn money online by utilizing a skill you have? If you are an application programmer or a web designer, there are many clients online looking for someone with your particular set of skills. Registering on sites like Fiver and creating an appealing profile can aid you in landing clients who are willing to pay for your talent and you can earn money online.

You don’t need to be a web designer or an app developer to earn money online. There are jobs for hundreds of skills. 20% of the US population is working in the freelance economy with people working remotely. You can be a graphic designer, project manager, writer, or personal assistant, and there are many more ways of how to earn money online. If you don’t have any skills, you can learn the skill of your interest online in under two weeks and earn money online.

8. Transferring Balances

If you are incurring high-interest rates, transfer your balances to save and clear your debt. Make sure your minimum payments are met, and your balance is cleared prior to the expiry of the introductory interest rate. Otherwise, you will result in late fees and higher interest rates. And, you will continue struggling with debt

In case you have a challenge meeting your balances as well as the minimum payments, contact the Consumer Credit Counselling Service. They offer credit counseling for free together with debt management service at the cost of 3 to 5 percent per month without exceeding $50, depending on the state.

9. Rewarding Oneself for Small Victories

The debt payment process needs not to be a chore, and you can make it fun while you do it. Make a game out of it and offer yourself a reward whenever you hit a milestone towards ending your struggle with debt.

Each time you clear a debt, celebrate with something you like to do. These can include going to the movies, going out for coffee, buying some ice-cream, or anything that can be managed within your budget. This will motivate you to keep paying off your debt.

10. Selling Unnecessary Items to Earn Money Online

Look around your home searching for anything that is using unnecessary space because you don’t need it. It could be some massive furniture eating up your space that you can sell off to clear your debt with the money and reduce your financial obligations. You could hold a garage sale or earn money online by selling things on Facebook, eBay, Craigslist, and other sites.

eBay

eBay is the top site for selling things to earn money online. This popular online marketplace has been the best in enabling the sale of used items since the 1990s. You start by creating an account, listing your things to be sold, and uploading pictures of the items. The site offers you access to more than 160 million people. However, eBay will cost you $0.3 to list an item and 10 percent of the sale of each item.

Bonanza

Bonanza is another item you can list your used merchandise for sale. Its structure resembles eBay but with a lower list cost. You will incur a charge of 3.5 percent of the value of items below $500. If over $500, it will cost you $17.5 plus 1.5% of the sale. You can also link your items on this site to Google shopping.

Etsy

You can also earn money online by selling items through Etsy. This site specializes in the sale of handcraft merchandise and used things that are twenty years old or more. These goods are referred to as vintage, and if you have such items, you can sell them off on this site for quick money. You incur a cost of $0.2 to list and 3.5% of the sale as well as $0.25 and 3% for processing of the payment. The site has 22.6 million shoppers that can be potential clients for your vintage or handmade items. If you were wondering about how to earn money online, this is it.

struggling with debt

Follow These Tips and Stop Struggling with Debt

Paying off your debts can be a stressful process, but if you organize your debts, budget, and earn money online, you will be able to be free of debt in no time. Knowing how to earn money online can be instrumental since you will get quick cash that can clear your debt impromptu. Earn money online and remain debt-free.

15 Heartwarming Photos that Show What Friendship Really Looks Like

“Friendship is born at that moment when one person says to another, ‘What! You too? I thought I was the only one.” – C.S. Lewis

Good friends are hard to find, but once you come across them, your life is forever changed. Sometimes, the best and deepest relationships happen unexpectedly, when we’re just going about our daily lives. On the other hand, there are times we might meet someone awesome in a Facebook group or make a beautiful connection with someone on our weekly grocery trip. And, perhaps we’ve managed to keep the same friend group throughout the years and share many precious memories with them.

No matter what, friendship is important for our well-being. According to one analysis that studied data on 3.4 million people across 70 studies, researchers found that not having social connections had the same health risks as smoking up to 15 cigarettes a day. Loneliness is deadly. This means that having even one close friend can make a huge difference in a person’s life.

So, now that you know the importance of friendships, we’ll show you some photos of friends that are sure to make you thankful for your own. Just a warning – these photos will melt your heart!

Here are 15 photos of friendship that will warm your heart:

1. This boy has carried his disabled friend to school for three years. What a beautiful friendship!

This Is Real Friendship

2. Friendship sometimes means watching a game with your buddy through the computer. Who says you can’t hang out even if you’re in different places?

True friendship
by infunny

3. You can’t always bring your friends with you. And so, sometimes a cardboard copy will have to do.

Cardboard Kevin’s Birthday weekend Begins

4. These guys look like the best of buddies!

This is a true picture of friendship
by inaww

5. Who knew a raccoon and a dog could become such good friends? Aren’t they adorable?!

We’ve been raising a baby raccoon and its become our dogs best friend.
by inaww

6. Because it wouldn’t be friendship without helping your girl get an awesome picture of her eating pizza.

7. Elephants and dogs are some of the sweetest creatures on the planet. And, isn’t seeing them together just heartwarming?

Unusual Animal Friendship Elephant And Dog
byu/waterblue95 ingifs

8. Some of the most unusual things bring people together. In this case, it was rice.

Rice now brings people together
byu/2spoopy4mee infunny

9. Best friends till the end! Plus, it looks like the guy on the right really loves that cap!

The one group you always stick with
byu/Tib3t inpics

10. A lion, tiger, and bear…oh my, the cuteness!

Inseparable brotherhood bear, a lion and a tiger.

friendship

11. If this isn’t the most adorable photo of friendship we’ve ever seen!

True Homies

12. Looks like this bearded dragon has a sweet tooth!

13. Friendship between animals has a way of really pulling at your heartstrings.

TIL Cheetahs are very anxious and are often given support doggo’s to help relax them.. 

14. Cats and dogs sometimes hate each other. But, it looks like these two really get along!

The cat is the hat

15. We’ll just leave you with this too-cute-for-words photo. Awww!

My cat met a baby deer today.
byu/uncleskeleton inaww

Do you have any cute photos of you and your best friends? If so, please feel free to share them with us in the comments! Let’s keep the friendship going and keep the good vibes flowing!

(C)Power of Positivity, LLC. All rights reserved

12 People Explain How They Beat Depression (Without Prescriptions)

Depression afflicts millions of people worldwide. It can occur for many different reasons: nutritional deficiencies, genetics, environment, lack of adequate hydration or exercise, and other factors. Of course, for some people, medication is necessary to beat depression and we are not saying to get off your medicines or avoid going to a doctor if you really need help.

However, emerging evidence shows that lifestyle changes can greatly improve symptoms of depression. 

12 People Explain How they Beat Depression (Without Prescriptions)

Learn how these brave individuals beat the blues.

1. Keep fighting and turn to a higher power for help with your depression.

 

View this post on Instagram

 

A post shared by Kish Burries (@kishmykurls) on

2. Only look within yourself for answers to overcome depression.

 

View this post on Instagram

 

A post shared by Whitney | Health Coach (@whitneybarkman) on

3. Don’t forget the importance of supplements and proper nutrition to balance your moods.

 

View this post on Instagram

 

A post shared by Whitney | Health Coach (@whitneybarkman) on

4. Write down what you’re feeling and question your thoughts.

 

View this post on Instagram

 

A post shared by Marisa LaRen (@marisa.laren) on

“I have taught myself how to figure out if what I’m feeling is real or another trick my brain is making me feel. It’s not easy dealing with something you don’t quite understand. But we can choose not to let it control us. Sometimes it helps to write things down.”

5. Join together in your community and spread awareness about mental health.

 

View this post on Instagram

 

A post shared by @victorruizfoundation on

6. Let go of the past, because it cannot be changed. Instead, focus on making the future better.

 

View this post on Instagram

 

A post shared by Nuggets Of Prosperity (@nuggets_of_prosperity) on

7. Always be yourself, not the person the world expects you to be.

 

View this post on Instagram

 

A post shared by ??? ????? ?¾ (@dobbyy_isfree) on

8. Take it one day at a time and don’t let the bad days turn into bad weeks or months.

 

View this post on Instagram

 

A post shared by Nathan Harmon (@your_life_speaks) on

9. Do things before you’re ready. If you don’t feel motivated, dig deep to find your purpose and take small steps each day.

 

View this post on Instagram

 

A post shared by Jess Hendrick (@jesshendrick111) on

beat depression

10. Look after your mental and physical health. You can’t pour from an empty cup.

 

View this post on Instagram

 

A post shared by Lauren (@laurenhenryhealth) on

11. Be mindful of water intake, blood sugar levels, time with friends, sleep, and exercise.

 

View this post on Instagram

 

A post shared by Mary Lofgren (@hellomarylofgren) on

12. Do some yoga!

 

View this post on Instagram

 

A post shared by Morgan High (@highvibe_living) on

(C)Power of Positivity, LLC. All rights reserved

9 People Who Healed Their Anxiety With Nature

We don’t get near enough nature time in the civilized world we live in. Sure, modern society offers plenty of benefits, such as running water and electricity, but removing ourselves from our natural environment has brought on some devastating effects as well. For example, mental illnesses are increasing rapidly, our soil is being depleted of vital nutrients, and we aren’t getting enough sunshine. It’s no wonder why so many people are craving more time in the great outdoors! (See vanlife on Instagram)

Plus, being in nature has proven health benefits. One study found that “earthing” or getting the body back in touch with nature, can improve sleep. Another study found that walking barefoot in nature can induce a positive immune response by lowering white blood cell count and increasing red blood cells. Finally, getting to the point of the article, spending time outside can help improve mental health and reduce stress. 

With that said, we want to show you a few people who healed their anxiety by spending time in the great outdoors.

10 People Who Healed Their Anxiety with Nature

1. ” The oxygen is so pure, it has instant relaxing effects and can give a much-needed break from life stress and depression.”

 

View this post on Instagram

 

A post shared by Becks Schmitt, Anxiety Coach (@bluegreencompass) on

2. This psychologist knows the importance of nature for healing anxiety.

 

View this post on Instagram

 

A post shared by Dr. Lauren Chavis (@drlaurenchavis) on

3. We think this guy has it down pretty well! There’s nothing like meditating in a beautiful spot in nature.

 

View this post on Instagram

 

A post shared by William GAUDE (@yog_360) on

4. As an empath, Carolyn knows that nature is very important for her well-being.

 

View this post on Instagram

 

A post shared by @carolynhealings on

“If you feel your spirit or your head running high above in a frenzy, find a tree, place a hand on it and bring yourself back to earth.”

5. There’s nothing like getting back to nature to heal your anxiety.

 

View this post on Instagram

 

A post shared by Anita Sulis (@anita_liv) on

Going out in nature feels like a sanctuary for the soul. Bare feet is even better but even surrounded by wild flowers & trees is enough to hear the little voice of Gaia & my deeper inner self.”

anxiety

6. Yosemite National Park is a beautiful place to heal anxiety with nature!

 

View this post on Instagram

 

A post shared by Melissa Lee (@nourishmelhealth) on

7. Nature and yoga is the best medicine.

 

View this post on Instagram

 

A post shared by Sneha Roy (@roy.at.rag.trade) on

8. When was the last time you took a walk in nature?

 

View this post on Instagram

 

A post shared by Dr. Sofia Costa (@drsofiacosta) on

“Mother Nature is there for us to heal, to help us come home to our bodies, to connect deeply with Her and with our heart.”

9. “Our bodies are built to live among nature. And that’s where our old friends the trees can help.”

 

View this post on Instagram

 

A post shared by Self Love & Yoga Teacher Ibiza (@balancedpeople_) on

Do you find healing for anxiety with nature? Let us know in the comments!

Scientists Explain What Happens To Your Hormones When You Eat These 4 Seeds

From painful periods to PCOS, hormone imbalances are more prevalent than ever. This is due to a variety of factors, including, but not limited to, physical stress, emotional trauma, and environmental toxins. We live in a fast-paced world that encourages sleep deprivation, mindless and unhealthy eating, and utilization of chemical-laden personal care products.

BIRTH CONTROL IS NOT THE ANSWER

Women everywhere are on a quest for balance to either restore their period or make that time of the month less miserable. Unfortunately, this often results in weary and vulnerable patients accepting a birth control prescription from their doctor with no questions asked. One of the most dangerous myths in America is that exogenous hormones help regulate cycles. As it turns out, the exact opposite is true. Hormonal birth control masks the root cause of dysbiosis, not to mention wreaks havoc on a woman’s body long after she stops taking it.

So if birth control isn’t the solution, what is? Unsurprisingly, nature has the answer: seeds!

Flax, pumpkin, sesame, and sunflower seeds all have nutritive properties that help support optimal hormone function in women. Seed cycling is an ancient practice that involves rotating between consumption of the different types throughout the menstrual cycle. Research has shown remarkable effects on reduction of PMS symptoms and regulation of cycles.

WHAT IS SEED CYCLING?

Seed cycling is a practice in which women rotate consumption of four different seeds throughout their menstrual cycle. Supporters of this protocol claim it helps naturally balance progesterone and estrogen: the two main female reproductive hormones. (1.)

In a healthy cycle, estrogen is highest during the first half; progesterone during phase two. When this intricate hormonal dance becomes imbalanced, women may experience menstrual irregularities. This is because estrogen and progesterone have very different functions in the body and certain levels must be maintained for optimal function. They fluctuate over the course of a woman’s cycle depending on what stage she is in.

STAGES OF THE MENSTRUAL CYCLE

One of the most beautiful things about womanhood is the fact that we are cyclical creatures. Much like the moon, a woman’s cycle lasts roughly 28 days from start to finish. This explains in part why seed cycling is so effective – our nutritive needs fluctuate depending on what phase our bodies are currently in. Menstrual cycles have four phases, each one flowing beautifully into the next if hormonal balance is in place. Here is a detailed explanation of each phase discussing what to expect, approximately how long it lasts, and what it entails.

  • Day one of the menstrual cycle is the first day of heavy bleeding (excluding any preceding spotting.) A healthy cycle lasts anywhere from three to seven days, producing no more than 80 milliliters of fluid in total.
  • Follicular phase.

    • Once menstruation has ceased, the follicular phase starts. During this time period, a woman’s body has begun to gear up for ovulation. This results in elevation of estrogen and LH (or luteinizing hormone) levels. Most women feel their best during this phase and have plenty of energy for physical activity. The follicular phase typically lasts between seven and 21 days. (2.)
  • Ovulation.

    • When estrogen and LH hit their peak, the ovaries release an egg (otherwise known as ovulation.) This egg makes its way down the fallopian tubes, allowing for fertilization to occur if it makes contact with sperm, and into the uterus. Fertility is at its highest during this phase.
    • Signs that you are ovulating include vaginal discharge that resembles egg whites and an increase in body temperature. Also, the cervix will be positioned higher than it usually is. These signs are important to look out for if you are getting off birth control or trying to get your period back. Recognizing ovulation is crucial to understanding your cycle.
  • Luteal phase.

    • Once ovulation is over, the luteal phase begins. During this time, LH and estrogen levels drop and progesterone rises as the body prepares for implantation (a precursor to pregnancy.) This increase in progesterone is often the culprit behind many PMS symptoms, such as fatigue, cravings, breakouts, and oily skin. Many women also experience constipation, anticipation of which can be alleviated with dietary modifications. The luteal phase should last right around 14 days.

Menstruation begins after the luteal phase, and the entire cycle repeats itself all over again every month until menopause. A healthy cycle lasts anywhere from 21 to 35 days in total.

WHY NOT BIRTH CONTROL FOR HORMONE BALANCE?

When women come to their doctors complaining about symptoms associated with menstruation, they are immediately given a prescription for the pill. While it may induce a monthly bleed and reduce unwanted symptoms, it doesn’t address the underlying issue.

Root causes of missing, irregular, or painful periods include:

  • Being overly stressed out can affect the hypothalamus, which is responsible for regulating the female reproductive system
  • Low body weight. Weighing less than 10% of what is considered normal for your height is a physical stressor on the body. This can trigger a hormonal cascade that prevents ovulation from occurring. Women who participate in intense exercise, regardless of their weight, can also experience amenorrhea (loss of the menstrual cycle.)
  • Much like being underweight, obesity also stresses the body out. Achieving a BMI in the normal range, which is under 25%, can restore reproductive health.
  • PCOS. Polycystic ovary syndrome is a complex metabolic disorder that causes the body to overproduce androgens, more commonly known as male hormones. Cysts form on the ovaries as a result, which can impair or stop ovulation altogether. Insulin resistance, typically associated with diabetes, is also implicated in PCOS. Treating this is key to getting the hormonal system back in sync. (3.)
  • Chronic illnesses such as diabetes and celiac. As previously stated, disruptions in blood sugar regulation can affect the menstrual cycle. Celiac disease, or the state of being allergic to gluten, causes inflammation in the small intestine. This can impair nutrient absorption and cause late or missing cycles.
  • Perimenopause. Menopause typically occurs between ages 45 and 55. The period just before menstruation stops is known as perimenopause, which means a woman’s egg supply is approaching zero. Missed periods are common (and normal) during this time.
  • Thyroid issues. The thyroid is the body’s master regulatory gland, so hormone levels can be affected when it’s over or underactive. Luckily, thyroid dysfunction can be easily regulated with medication.

HOW TO SEED CYCLE

Days 1-14:

  • 1-2 tbsp of raw, organic, freshly-ground flax seeds daily
  • 1-2 tbsp of raw, organic, freshly-ground pumpkin seeds daily

Both flax and pumpkin seeds contain high concentrations of omega-3 fatty acids. These essential nutrients are known to increase uterine blood flow and promote healthy cell membranes. Additionally, flax seeds have polyphenols called lignans, which bind to excess estrogen which is unopposed by progesterone during the follicular phase. Pumpkin seeds, on the other hand, are rich in zinc. This trace mineral supports healthy progesterone production when the second phase of your cycle rolls around. (3.)

Days 15-28

  • 1-2 tbsp of raw, organic, freshly-ground sesame seeds daily (or tahini)
  • 1-2 tbsp of raw, organic, freshly-ground sunflower seeds daily (or sunflower seed butter)

Sesame seeds also contain lignans, which block excess estrogen during a time when progesterone is supposed to be higher. Sunflower seeds contain selenium, a trace mineral that aids in the detox of excess hormones by the liver. This is an essential step because an overloaded liver can cause estrogen or progesterone to recirculate in the body.

IS SEED CYCLING EFFECTIVE?

While a direct link between the practice of seed cycling and hormone balance has yet to be established, it is still very much rooted in science. Plenty of evidence highlights the aforementioned nutritive aspects of the four seeds that help women maintain optimal estrogen and progesterone levels.

Additionally, studies have shown that flax seeds help length the luteal phase. This can improve fertility and reduce common premenstrual symptoms such as breast tenderness and abdominal pain.

All four seeds contain Vitamin E and both Omega-3 and 6 fatty acids. These are essential for hormone production and optimal function of follicles. Omega-3s, in particular, have been shown to have a direct impact on progesterone secretion.

hormones

FINAL THOUGHTS ON WHAT HAPPENS TO YOUR HORMONES WHEN YOU EAT THESE 4 SEEDS

Many women struggle with imbalanced hormones, whether from stress, underlying disease, or one of many other factors. Doctors will often prescribe birth control as a solution; however, it only manages symptoms at best. Without addressing the root cause, restoring homeostasis in the body is impossible.

Working with a functional practitioner to determine your specific underlying condition is the gold standard. However, there are middle-ground solutions if that isn’t feasible. Seed cycling, or rotating consumption of four different seeds throughout your cycle, is one of them. Flax, pumpkin, sesame, and sunflower seeds all have unique nutritive properties that penetrate deep below the surface and help balance a woman’s hormones.

3 Foods That Contain Mold (That Most People Don’t Know About)

Almost all of us know what mold looks like and could identify it in an instant. Whether on our bathroom ceiling tiles or that block of cheese that’s been in the fridge a tad too long, it’s pretty much impossible to miss.

While mold is never a welcome sight to behold, its ill effects go far beyond looks. Spores known as mycotoxins, produced by the fungi, are hiding right under our noses in many popular food products.

WHAT IS MOLD?

Mold is a type of fungus that grows almost everywhere. It consists of organisms that can take on black, white, orange, green, or purple hues. By themselves, these tiny creatures are undetectable to the naked eye. Large groups of them, however, form the familiar spots we encounter on an almost daily basis. (1.)

Unsightly as it might be, mold is actually extremely important. It plays a critical role in nature, responsible for decomposing dead plants. This process enriches the soil with organic matter and allows new vegetation to grow. In a sense, the very foundation of the food chain would crumble without mold!

WHERE DOES IT GROW?

Mold thrives on moisture. It produces via small, lightweight spores that travel through the air. These spores are generally harmless; however, trouble begins when they land on an area of dampness. This allows them to start multiplying and become airborne, rendering them easily inhalable.

As previously stated, mold is most abundant outdoors. This is because rainfall provides the moisture necessary for it to propagate.

Unfortunately, mold often finds its way inside. One tiny spot of dampness is all the food it needs. Kitchens, bathrooms, laundry rooms, basements, and crawl spaces are all susceptible to its infiltration.

Mold enters a home through open doorways, windows, vents, and air conditioning units. It can also cling to clothing, shoes, bags or backpacks, and pets and be transported inside.

 IS MOLD DANGEROUS?

Surprisingly, mold is not inherently dangerous. Certain species, however, are toxigenic. This means they undergo certain metabolic processes that produce dangerous chemical byproducts.

Not all species of mold are even capable of such toxin production. There are three different categories, each with its own unique properties:

  • Allergenic: Unlikely to cause illness. However, it may aggravate pre-existing allergies or asthma. Allergenic species include Alternaria, Aspergillus, Cladosporium, and Penicillium. (2.)
  • Pathogenic: May cause infection in everyone, but especially those who are immunocompromised. This type of mold is a spectrum, with certain species – such as Aspergillus – also falling into the allergenic category. Other common pathogenic mold species include Cryptococcus and Histoplasma.
  • Toxigenic: These are the species we highlighted above. While certainly not the majority, toxigenic molds are the most dangerous because they are toxic to all humans and animals. Some are capable of producing mycotoxins, or metabolic byproducts that can cause a severe negative response in humans.

Mycotoxins are different from the mold spores responsible for reproduction, but they can attach to and travel with them. These pathogenic compounds also cling to dust or small pieces of wallpaper, which are easily capable of being inhaled. Some of the most common toxigenic mold species include Fusarium, Penicillium, Aspergillus, and Stachybotrys (otherwise known as “black mold.”)

 MORE INFORMATION ABOUT MYCOTOXINS

Mycotoxins are the main types of mold that affect food products, so we’ll be primarily focusing on them. You most commonly find these in cereals, dried fruits, nuts, and spices. Contamination can occur before or after harvest, during storage, or on the food itself. That is–if conditions are warm, damp, or humid enough.

Several hundred mycotoxins have been discovered. However, around a dozen are the most prevalent on crops that humans consume. Aflatoxins, Ochratoxin A, Patulin, Fumonisins, Zearalenone, and Deoxynivalenol (otherwise known as Nivalenol) present the most pressing health concerns. Exposure to mycotoxins can occur either directly, by eating contaminated food, or indirectly, via animals exposed to infected feed.

3 FOODS MOST PEOPLE DON’T KNOW CAN CONTAIN MOLD

  1. Alcohol

Saccharomyces yeast, otherwise known as brewer’s yeast, is a fungus used in the production of many beers. This organism produces mycotoxins itself, and often also harbors other mycotoxins from mold-containing dried fruits and grains. In a study analyzing 154 different types of beer on the European market, all of them were contaminated with organisms of the Fusarium species.

 

  1. Peanuts

The main ingredient in everyone’s favorite sandwich spread is likely the worst offender when it comes to mold contamination. This is because peanuts are not actually nuts, but rather legumes. Legumes grow underground instead of on trees, making them more susceptible to mycotoxins due to the moisture.

A 1993 study found 24 different types of fungi on the shells alone, even after the peanuts had been sterilized. The most concerning mycotoxin found on peanuts is aflatoxin, which is a known human carcinogen.

  1. Coffee

Most people would be shocked to learn their cup of morning joe is a chemical cocktail. The majority of these naturally occurring compounds are entire harmless, with some actually offering the energy boost we crawl out of bed anticipating. Unfortunately, one fungal toxin lurking in coffee is one of the most carcinogenic compounds known to man: Ochratoxin.

Ochratoxins A and B exist in up to 58% of green and roasted coffee beans, and the U.S. has no standards to mitigate its presence! So does this mean you have to ditch your morning elixir for good? Luckily, no. Simply choose a brand that tests each batch of beans for myotoxicity. (3.)

This is by no means an exhaustive list of mycotoxin-containing foods; these are simply the most common. Other potentially contaminated products include wheat and all wheat products, rye, barley, cottonseed and its oils, corn, sorghum, sugar (from sugar cane and sugar beets), and hard cheeses.

POTENTIAL HEALTH RISKS OF MYCOTOXINS

Fortunately, those of us who live in developed countries are much less likely to experience acute adverse effects from mycotoxins. Though our standards could definitely use some improvement, we’re largely protected from seriously dangerous levels of exposure.

Less-industrialized countries (and rural areas of developed countries) deal with mycotoxin contamination on a more regular basis. Both immediate and long-term health issues can arise as a result. These ailments include, but are not limited to, liver cancer, reduction of immunity, altered protein metabolism, gangrene, convulsions, and respiratory problems.

While U.S. residents are unlikely to die or fall gravely ill due to mycotoxins, that doesn’t mean we’re out of the woods entirely. Mold can affect us in more subtle ways, showing up as vague symptoms that mimic a host of other issues. In some ways, this is even more insidious because it can sneak in and go undetected for many years while wreaking havoc on our bodies.

Known as mold illness, this chronic condition involves widespread inflammation throughout the body. The World Health Organization defines the syndrome as “an acute and chronic, systemic inflammatory response syndrome acquired following exposure to the interior environment of a water-damaged building with resident toxigenic organisms, including, but not limited to fungi, bacteria, actinomycetes and mycobacteria as well as endotoxins, beta-glucans, hemolysins, proteinases, mannans and possibly spirocyclic drimanes; as well as volatile organic compounds.”

SYMPTOMS OF TOXIC MOLD EXPOSURE

As the explanation states, damp buildings are the primary catalyst for mold illness. That doesn’t mean, however, myotoxicity from food can never be implicated. Some of the most common symptoms of mold illness include:

  • Fatigue
  • Weakness and/or achiness
  • Muscle cramps and/or joint pain
  • Pins and needles
  • Headache
  • Sensitivity to light
  • Red eyes
  • Blurred vision
  • Sinus problems
  • Cough
  • Shortness of breath
  • Abdominal pain and/or diarrhea
  • Cognitive decline
  • Skin issues
  • Mood and/or appetite swings
  • Night sweats
  • Temperature dysregulation
  • Excessive thirst and/or increased urination
  • Metallic taste
  • Tremors

Many of these symptoms can also indicate other health problems, some of which may be serious. Always speak to a qualified healthcare professional to rule out more severe ailments before suspecting mold illness.

mold

FINAL THOUGHTS ON FOODS MOST PEOPLE DON’T KNOW CONTAIN MOLD

When we think about mold, the mental image we conjure up is usually a dirty bathroom or waterlogged basement. Spoiled foods such as cheese are also notorious for fostering the growth of unsightly patches of fuzz. All of these examples are entirely valid; however, they certainly aren’t all the fashions in which mold can manifest.

Unfortunately, with mold, it’s what we don’t see that poses the greatest risk. Deadly spores known as mycotoxins are lurking within common foods and almost always go undetected. These pathogens, hiding in peanut butter, coffee, and several other staple items, can wreak havoc on the body.

Mold illness is far from rare; however, its symptoms are tricky to spot. This is because the disease can mimic a host of vague ailments that nobody would ever trace back to mold. Fatigue, weakness, sinus problems, and headache are among the laundry list of side effects from mycotoxins. While these symptoms are not solely indicative of mold illness, they could be – especially if you regularly consume the aforementioned foods.

Skip to content