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Saturday, September 30, 2017

Pick Up Your Pace on the School Drop-off

Plenty of kids of all ages take the bus to school and back, but not all of them do. Sometimes taking your kids to school yourself is safer or more convenient, especially when you're already going to work. If you need to do a school run, perhaps combined with your commute, there are some important things you should take into account.

Having a Good Routine

Getting the kids out of the house in the morning is no easy feat. If someone isn't refusing to brush their teeth, someone else has lost a shoe. Having a good routine helps to get everyone ready and keep them on track. You can give the kids more responsibility by creating a chart or task "clock".

How to Use the Time

What should you do on the way to school? It might take you a while, so it's worth using the time wisely. You could discuss what's coming in the day ahead, or just catch up on what has been happening during the week. It's also a good time to have some fun and maybe play a car game or listen to music.

Know How Your Child's School Operates

If you're dropping off your kids at school, you should know what rules the school has. They might have policies in place about whether you can park or how long you're allowed to spend outside the school gates.

Your Vehicle

Don't forget to think about your car, including how safe it is. If you're in the market for a new family car, you could think about either buying or leasing as an option that works for you.


Infographic Design By auto.loan

It’s Never To Early To Prepare For Retirement

As time goes on, it can often feel like your retirement date is getting further away, not closer. Pensions have never been tighter, and a lot of people are struggling to save throughout their lives. Of course, as something you’re not going to have to deal with for many years, it can often feel like you have loads of time to think about retirement. In most cases, though, it’s best to start thinking about it as early as possible.

It can take many years to save enough money for a good pension, and buy a house will also take a long time. To be able to relax and enjoy your retirement, you have to prepare for it. Ignoring this area will make life harder for you. Along with this, it could also lower the amount of money you get once you leave work. This time should be dedicated to enjoying yourself and having fun. If you’re struggling for money, though, it won’t be anything but stressful.

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Image Link Pexels

- Personal Finances

To begin this journey, the first area you should be considering is your personal finances. Most people will want to be in a comfortable spot with their money long before retirement. But, there are several areas which are more important than others. In most cases, you should have plenty of time to get these little things in order.

When you retire, you will have to have a way to find your living expenses. In most cases, this will be covered with a pension, and you have to save this money throughout your life. In most countries, paying taxes will contribute towards a state pension which you can claim upon reaching a certain age. If you want to stop working earlier than this, though, you’ll need to save something for yourself, too. A lot of jobs offer better pensions than the state, and you can usually buy your own.

Along with your income, a lot of people will want to have all of the loose ends of their finances tied up before leaving work. One of the largest of these is debt, and you should be aiming to rid yourself of it as soon as possible. Most people will have at least a mortgage throughout their life. To plan for this, you should use a mortgage calculator to figure out how long you’ll have to pay off your house. If your mortgage doesn’t end before you retire, you should consider looking into a cheaper home.

People Standing on Dock during Sunrise Image Credit Pexels 

- Your Family’s Finances

Along with your own money, a lot of people will like to think about the state of their family’s finances when they leave work. At this point in your life, it will become harder for you to help those around you with money. Of course, though, you can prepare for this with just a little bit of work.

When you first have kids, you have an excellent chance to start a strong financial future for them. Most people won’t think about it this early, but starting savings for them at this point will give you the chance to accumulate a lot of money. Bonds are one of the best ways to do this. They gain a lot of interest, guaranteeing a good return. Along with this, though, they remove access from the money for a set period. Other accounts are good too, as long as you’re prepared to pay money into them regularly. Your bank will be happy to help you with this, giving you free advice. It’s worth doing your own research, too, though.

At retirement, a lot of people consider themselves to be in the final chapter of their life. You’re done with work, and it’s time to relax. Of course, though, it’s impossible to escape reality. It’s never nice to think about the time you’re going to pass, but you can make a real difference in your family’s lives with just a little bit of work. Life insurance is a great way to do this. By paying a small amount each month, you will build a good fund which will be given to your loved ones when you pass. Along with this, a solid funeral plan can also make the lives of your loved ones a lot easier. Of course, thinking about your family doesn’t have to be all about support, though. Along with this, you can also think about making their lives a little more fun, as well. Going into retirement, you have the chance to drop your commitments and go somewhere better. By moving to another country or somewhere simply nicer, you also give your loved ones the chance to enjoy your new home. This is a small gift you can give yourself going into this period of your life. There’s a little more to think about, though.

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Image Source Pexels 

-  Pension Enhancement A lot of people like to look for ways to enhance the money they get from their pension. Relying on money from the state may leave you falling short, making it hard to enjoy the lifestyle you want. There are a few different ways to achieve this sort of goal. To do this, you’ll have to start nice and early, though.

One of the oldest and best investments around has always been property. When you spend money on a building, you don’t put it somewhere it can be lost. Instead, even if prices drop, you will still have a piece of material to show for your spending. Once you have managed to pay one mortgage, it will become a lot easier to pay off the second one. When you buy another home, you can rent it out to someone else, and use the money you get to cover the mortgage. This leaves your personal finances free, while making it a simple matter of time until are making money from it. People will always need houses. So, if you buy in the right places, it should be easy to keep your properties filled.

Some people won’t like the idea of investing in property. Along with all of the benefits, this sort of option also comes with loads of work, and a lot of people will struggle to keep on top of it. If you’re in this position, you still have loads of options, though. The best way to handle something like this is with some professional help. There are loads of companies out there which can help you to choose good investments, with some even being able to help you with the hard work. In most cases, groups like this will like to take a slice of your money, too.

Finally, if you’re willing to keep putting money away, savings can be a great way to enhance your pension without the risks of investment. With the right accounts, you will be able to make loads of interest from your money, so it will keep growing into the future. Your bank will be able to help you to choose the account you use. But, along with this, you could also consider using online resources to give you a hand, as well.

Hopefully, this post will give you a good idea of the different work you can do to prepare yourself for retirement. A lot of people don’t like to consider this part of their life until they’re at its door. But, in most cases, the earlier you start, the better chance you’ll have at enjoying this part of your life. It doesn’t take a small boost to make a big difference when you’re retired. So, it’s worth working to get everything you can.

Friday, September 29, 2017

Pink Sugar Eye Candy Eyeshadow Palettes

Few days ago I recieved an email from BeautyMNL for thier ongoing sale. Although I do not have any plan of shopping online for financial reason I still clicked the link and look around. But I cannot stop myself from grabbing the opportunity to avail of their buy one take one offer on Pink Sugar Eye Candy Eyeshadow Palettes. 

Taken without flash 

Taken with flash
BeautyMNL Product  Description. 

CLAIM TO FAME: Pink Sugar’s professionally curated 10-color eyeshadow palette

FAST FACTS: Expert selection of matte and shimmer shades; finely-milled powder adheres to skin beautifully; features spring-inspired smoky hues and earthy, urban colors; comes in a mirrored compact with a dual-ended applicator

PERFECT FOR: Day-to-night beauty looks.


Tuesday, September 26, 2017

Home Admin: 5 Essential Tips

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Image via PixaBay 

Home admin is never going to be fun, or exciting, or something that you throw yourself into willingly with a huge smile on your face. However, it’s also worth remembering that home admin is never going to go away either. You’re also going to need to keep on top of bills, insurance, and diary management -- so how can you make it as pain-free as possible?

#1 - Don't Let It Pile It Up

If you don’t deal with admin as and when it becomes necessary, then you’re just storing up problems for yourself. People who are in debt have a tendency to ignore reminder letters and demands for money, because they just can’t quite face up to dealing with the problem. Whether you’re in debt or not, practicing this “if I don’t pay attention it doesn’t matter” philosophy will quickly land you in hot water. Set yourself a rule: if you receive a letter or email that you need to take action on, it will be dealt with within three days -- no matter how unpleasant it is.

 #2 - Set Reminders (And Then Ensure You Act On Them)

If there’s a task you need to do -- such as booking a doctor’s appointment or returning a parcel -- then set yourself a reminder. When that reminder pops up, ensure that you do it immediately. By sticking to these two simple principles, you can be sure you’re always on top of every task that requires your attention. The easiest way of setting reminders is to use your email account to do it. If you’re not sure how that might work, then see office.com or support.google.com depending on who you use as your email provider.

#3 - Set A Renewals Month

You probably know that you should be careful when it comes to renewing insurance. It’s one of the cardinal sins of personal finance; don’t just accept an insurance renewal, always compare, check with insurance.me and try to get the best deal possible. That’s the idea anyway; but it’s an incredibly easy one to forget. If possible, try and adjust your policies so you are always renewing in the same month. This means you can focus on the renewals and potentially even combine insurance products so you can be sure you’re getting the best deal.

#4 - Keep A Paper Diary 

Most of us keep our diary online these days, or at the very least on the calendar app of our smartphone. However, it’s often easier to keep a paper diary in addition to this. The mere act of writing things down tends to make us remember them more, and it’s easier to see the future at a glance with a paper diary. This doesn’t have to fully replace your electronic calendar, but it definitely will enhance it. With these tips in mind, you should be able to breeze through your home admin -- and ensure you have got more time to spend on the things that you actively want to do!

Monday, September 25, 2017

Raising a Child Without Falling Into Financial Disrepair

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Photo Source Pexels 

As soon as we welcome our child into the world, they become our priority. We want absolutely everything to be perfect for them and for them to have the most contented, blissful experiences possible. The mere thought of our little one having to go without something that they desire is enough to make our hearts sink. However, as you will soon become aware, raising a kid is no easy business. It is extremely costly and many people will find themselves sinking into debt while trying to maintain a lifestyle that is beyond their means in order to constantly provide their child with the best (whether the best in question is necessary or not). Here are a few sage pieces of wisdom on how to raise your child well without falling into financial disrepair.

Budget

First things first, you need to set out a budget. Note down your salary after tax, then deduct the cost of essentials, such as rent or mortgage repayments, bills, food, cleaning products and other necessities. The amount that you have left is your disposable income. In order to stay in the black, you need to ensure that whatever you spend in the given time period that you have budgeted for never exceeds this amount.

Borrow Responsibly 

Admittedly, there may be times when you want to purchase something that you don’t have the cash to pay for immediately. Perhaps this is a present of some sort or a family holiday. For situations such as this, you may consider lending. While this is a completely acceptable thing to do, you need to borrow money responsibly. Check out interest rates before taking out a loan or credit card. Don’t take what you can’t afford to pay back in instalments. Sensible borrowing will also help to create a good credit rating or improve your credit score, as you will be able to make repayments on time and prove yourself trustworthy to other lenders. If you are looking for more ways to improve your score, take a look at creditrepair.co; this page will teach you the basics of borrowing and highlight common mistakes that people make with lenders.

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Image Credit Pexels 

Keep a Constant Eye Out For Savings 

Many things that you invest in can often be found elsewhere for cheaper. This applies to all sorts of areas of your life: your food shopping, your child’s clothing, games, toys and educational materials. Whatever it is that you’re purchasing, see whether it is available elsewhere for cheaper. Many high street retailers will price match online prices if you ask. You may also be able to get some good quality goods second hand or pass certain items down from one child to another. Be thrifty! It will be pay off. You can use the cash that you have saved to treat your little one, or put it aside and save it for a rainy day. These simple steps will see you raise your child well without sinking into huge amounts of debt. They won’t want for anything, but you will still have enough money left over for extras such as treats, days out or other experiences. So, start making these changes to your lifestyle today in order to see the results more quickly.

Friday, September 22, 2017

Why You Need to Understand the Different Types of Loans Available to You Before Putting Pen to Paper

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Image Source Pexels 

Almost every mother has experienced hard times, when cash is running low and you end up emptying the piggy bank to tide you and your little ones through to the next paycheck. Many of us turn to lending in times of need, which can be an extremely beneficial decision, or can backfire and become something that we regret. To avoid complications and problems, you need to ensure that you are completely aware of what you are signing up for before you put your pen to paper and sign for the loan. Here’s how to ensure that you fall into the first category when it comes to borrowing money, no matter how large or small the amount.

Understanding Different Types of Loans 

There are numerous types of loans available out there, and it’s essential that you can differentiate between one form and another. What’s available to you will largely depend on your financial position and history. If you have a good credit score, you may be able to access lower interest rates and certain perks and deals. If you have a negative credit score, you will have to go with options that have higher interest rates and larger minimum payments. Keep an eye out for a signature.loan (otherwise known as a character loan or good faith loan), as this will simply require a signature and can often be approved online with an e-signature. If possible, try to avoid payday loans as they have astounding interest rates and can be extremely difficult to clear. numbers-money-calculating-calculation.jpg
Photo Source Pexels 

Managing Repayments

Once we’ve received the money and are back on our own two feet, it can be easy to forget that you need to repay the full amount back plus interest. A large percent of the time, people will slip back into their old habits when really they should be cutting back on non-essentials in order to have the spare cash to repay their dues. So, once your wages do come in, budget. Work out how much you need for necessities. Cut back on nonessential items and put the rest of your disposable income towards paying off what you owe. If you miss repayments, you will be charged fees and fines and your credit score will also be negatively affected, discouraging lenders from helping you out in the future. If you find that you are struggling to meet repayments, don’t bury your head in the sand. Contact your lender and they may be able to reduce your minimum payments or even offer lower interest rates. You should also alert your lender to any changes in your personal circumstances that could potentially affect your repayments. If they are unaware of difficulties, they can’t offer assistance.

Once you have cleared your debt, there are plenty of ways to avoid finding yourself in such a difficult situation in the future. The first? Effective money management. Create a budget and stick to it. Be of the mindset that if you can’t afford something, you can’t have it or will have to wait until you can afford it yourself. You can also start a savings account. Depositing even small amounts in this from one paycheck to the next will result in a slowly growing source of funds that can be used in times of emergency or saved for a rainy day later down the line.

Thursday, September 21, 2017

Debt: The Biggest Problems You'll Face

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Just hearing the word debt is enough to get most people nervously clutching their purses and double-checking their bank balance. It’s something none of us ever want to be in and is one of the worst financial positions you can fall into.

No one likes the idea of debt as it pushes them closer towards to b-word bankruptcy. It’s everyone’s greatest fear that they take on too much debt, can’t pay it all back, lose all their money, all their assets, and end up bankrupt with nothing.

Alongside this, being in debt is just a very bad experience as well. There are lots of aspects of being in debt that are really hard, which is why it’s difficult to get out of the situation. In this article, I’ll talk to you about some of the hardest things about being in debt.

Having Too Many Payments To Make

Loads of people end up in debt to various people or organizations. They could have student debt, credit card debt, and be in debt to another lender too. When you’re fighting multiple debt battles, it’s very hard to keep up with all the payments. As it mentions on debtconsolidation.loans the best solution to this is getting a loan to consolidate all your debts. This is one big fat loan that pays off all your individual debts and moves them into one debt that you can pay off over time in a more manageable fashion.

Owing More And More

A huge problem with debt is that you start to owe more and more the longer you’re in it. This is largely down to interest rates. The longer it takes for you to pay off your debts, the higher the interest rates can rise for your particular debt. As such, your debt continues to grow, which makes it even harder to pay off. It means you take longer and longer to pay it off, which means the interest can grow even higher!! As you can see, it’s a bad cycle to fall into.

Losing Your Assets

At the extreme end of the scale, we have people that are in so much debt they lose some of their assets. If you got a secured loan, and you’re struggling to pay it back, the lender can take whatever it was you used to secure the loan in the first place. This could be your house, car, etc. I wrote about secured loans vs. unsecured loans here prettysinglemom.com/2016/04/ if you want to check it out. Obviously, being in a position where your personal belongings are taken away from you is not great at all, and incredibly stressful.

Don’t let debt rear its ugly head at you and tear through your finances. Be smart whenever you’re borrowing money for whatever reason. Always ensure you can pay back what you borrow, and avoid borrowing unless it’s absolutely essential. There are times in life where you’ll have to get a loan and owe someone money - buying a house and getting a mortgage is a good example. But, if borrow for no reason, this is when you start owing lots of people lots of money and can end up in serious debt.

Unboxing: Althea X Withshyan_Nail It Haul

FYI! This is an over due post. 

I have been aiming to make this blog post for two months already. I know its way too lateeee... but as the saying goes "better late than never" hahaha... 

But seriously, I should have posted this post few days after I recieved the package. But for some reason, well just one honestly and its me being lazy or better say, me hybernating that I always forget it and I remember it again when I am about to use the nail polish.  I even dont have a decent photo of my nails wearing one of the nail polish in the box. 


Anyway, for this blog post I will be sharing photos while I am unboxing the product. I am only confident on sharing photos not video. 

Smile!!!

Thats me unboxing the package. I took me almost three minutes to unbox the package. It is indeed well pack. 

What is inside the box?



Since I need to take a decent photo of the nail polish and other items inside the box I will make another post for it.

But over all my first experience in Althea is worth my money. I am happy with the product.

Sunday, September 10, 2017

Understand the True Value of Home Upgrades

Many homeowners opt to upgrade certain aspects of their home with the idea that the upgrade will increase the value of the home. While there are a lot of different upgrades that can increase the value of a home and make it more appealing to potential buyers, it is important for a homeowner to really consider the true value of a home upgrade before they decide to go ahead with it.

It is important for a homeowner to consider the costs associated with a particular upgrade. They need to do their research to be sure that the upgrade is really going to increase the value of the home. If a person is doing the upgrade simply to increase the value of the home, it is extremely important for them to really crunch the numbers to make sure that they will earn a profit if they put their home on the market soon. This is one area where a homeowner needs to exercise caution. The last thing they want to do is spend a fortune on an upgrade only to find out that the value of the home barely increased or didn't increase it all. Some homeowners have actually found that the thing that they thought was going to make their home more appealing to potential buyers actually causes some buyers to quickly say no to the house.

One thing that can be very helpful when a homeowner is making a decision on doing an upgrade to their home is to think about how much they are actually going to enjoy the upgrade. If it is something that is very useful for their family at the current time, even if the value of the upgrade does not dramatically increase the home's value, it may be worth it. For example, if a family spends a lot of time together outside during the warm months barbecuing and enjoying other activities, deck installation Odenton MD may be the best choice for them. A deck will increase the value of the home. And it is also something that the family will be able to enjoy while they are still living in the home.

Take time to do research before deciding if an upgrade is really right for you and your home. Calculate the costs for the materials and the labor. Talk to real estate agents and others who will be able to help you to determine if certain things will really increase the value of your home.

Saturday, September 9, 2017

Finishing Touches to Get Your Garden Party Ready

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Image source from Pixabay 

The garden is undoubtedly the best part of your property to hold a party in. There’s lots of space, fewer possessions to get damaged, and when the weather's good, well being outdoors just feels great.

If you’ve taken the time to transform your garden, with patios and outdoor entertainment rooms, and by investing in good garden furniture, not to mention pruning your trees and mowing the lawn, all that remains to set the scene for your next garden party are the finishing touches…

A Chalkboard

Chalkboards, like the ones at https://www.hertzfurniture.com/, aren’t just for the classroom or playroom; they make for a fantastic finishing touch in the garden too. Write down a welcome message for your guests, or a colorful itinerary for the day/evening’s events, and it will get your friends and family psyched for your next garden party, as well as adding a unique touch to the decor.

Fairy Lights

These tiny, twinkling lights are perfect for turning your garden into an enchanted party paradise. Wrap them around tree trunks, fences and garden furniture, string them between trees and line the driveway with them to create a party atmosphere and ensure that your guests aren’t left in the dark when the sun goes down.

Hang a Banner 

Colorful banners, bunting, and flags add a touch of color and fun to the proceedings. They’re particularly good for children’s garden parties, but you can find classier examples, like this tassel garland: https://www.etsy.com/us/listing/, which wouldn’t look amiss at your swanky cocktail parties or afternoon teas. The key is to choose your banner to match your theme.

A Fire Pit

No great garden party should be without a fire pit, especially if it’ll be taking place in the evening or a chilly time of the year. The fire pit provides a perfect focal point around which all of your guests can gather to shoot the breeze, toast marshmallows and have a drink or two.

Barbeque

Of course, a great grill is an essential element of every garden party. Eating outdoors is somehow more pleasing that eating inside, and the barbecue grill helps to produce the perfect outdoors foods, like smoky sausages, juicy burgers and sweet corn on the cob, with minimal effort, so you can enjoy the party instead of slaving away over a hot stove.

A Roof

If you have money to spare, one thing that can really ramp up your outdoor entertaining efforts is having a roof or awning installed over your patio or seating area. As you can see at http://www.stylemasterpatios.com.au a good roof will keep the rain away and provide enough shade to keep all your guests comfortable. This means you can more easily throw a garden party at any time of the year.

Throwing a garden party is a lot of fun, and with the above finishing touches, you can guarantee that your guests will be blown away by your efforts, and your future garden parties will be amongst the best.

Tuesday, September 5, 2017

Anniversary Gifting: Ideas For Making His Day!

Whether you’ve been together for a year, a few years, or ten years, when it comes to anniversaries, it’s natural that you should want to make your partner’s day special. Of course, it’s often the case that every anniversary is the same; with similar gifts and similar plans each year. If you want to ensure that this year’s anniversary goes off with a bang and is one to remember, then you may need to get a little more creative with your gifting. To ensure that your upcoming anniversary is a memorable one, it’s vital that you get creative and find some unique gift ideas. This isn’t always an easy task, so below are some ideas and suggestions to take note of, to make finding that perfect present for your significant other a little bit easier.

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Image source Static Pexels 

Create a pamper basket 

Who said pampering was just for us girls? Believe it or not, men need pampering too. So why not create your partner a pamper basket, packed full of a range of different products that can be used to pamper him. From male grooming products and massage oil that you can use to treat him to a massage to a bottle of his favorite Kikori whiskey and a selection of sweet treats, there’s a lot of different options for what to include in his pamper basket. You want to pick products that you know he will like and appreciate, and that will help him to relax and unwind.

Treat him to an activity day 

Forget giving him a gift he can unwrap, what about treating him to an activity day? Book an activity day for your anniversary and plan to do the activity together as a couple. Whether it’s tree top climbing, race car driving, or caving, it doesn’t matter, all that matters is that you pick an activity that he will love and that you can do together. What’s more memorable than doing an activity together as a couple? Just think how much fun you will have and how enjoyable the day would be.

Cook him his favorite meal (and dessert) 

Is there a meal that your partner loves? Then why not make that for him as his gift? It might not be something that he can unwrap, but if it will put a smile on his face, then it could be the ideal gift. Whether he’s a steak lover, is mad about tapas, or loves Greek food, you can plan a whole night themed around his favorite meal. As well as planning a meal consider planning something for afterwards, such as a movie night or games evening. You want to make the evening as memorable as possible, which is why combining a meal and another activity, such as cocktail making, for instance, could be ideal.

There you have it, some ideas and suggestions for ensuring that your partner has the most amazing time on your anniversary. Take note of the ideas above and implement them, and you can ensure that your next anniversary is wonderfully memorable.

Banish The Stress When Moving House

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Image Source Pixels 

Moving home can be a wonderful experience. Finally, you’ll have the space that you crave, you’ll be moving to your dream neighbourhood, and you can put down roots and settle. In an ideal world, moving home would be calm and simple. In reality, moving home can be one of the most stressful experiences of your life. There are solicitors, real estate agents, the removals company and your mortgage to consider, not to mention packing up all of your belongings and organising the kids ready for moving day. You could find yourself tearing your hair out before you’ve even made an offer on a property. As with anything, you can lessen the stress by being organised. Take a look at these handy tips to make your next house move as stress-free as possible.

Finances

Before you even begin to look at potential new homes, you need to know what you can afford. Hop online and use one of the many mortgage calculators available. By inputting your household income, current outgoings, and debt, you can get a fair indication of what you may be able to borrow and what your repayments could be.

Ensure that you have all of your finances in order and that you don’t use your overdraft in the months preceding a house move. It’s vital that you have a sound credit history to show off your credentials as a responsible borrower. By checking out The Ultimate Guide to Credit Scores you’ll find a wealth of information to help you improve your credit history if yours looks a little patchy. By nurturing a positive credit score, you’ll be able to borrow more and have a greater variety of mortgage products available to you.

Time Management

Don’t leave everything until the last minute. Ensure that you sign and return any paperwork or documentation from your conveyancer or mortgage company as you receive it. Don’t let it build up. Be prompt otherwise you risk losing your dream home because of your tardiness.

Arrange your removals company as soon as you have your completion date. There’s nothing worse than leaving it until a week before you move to find that there are no reputable removals firms available in your local area and you have to pay more to source one from further away. Make sure you give yourself plenty of time to pack up your house. It always takes longer than you think when hunting for the brown tape, trying to find a marker pen that works and discovering that it takes nearly an hour to bubble wrap that beautiful yet awkwardly shaped mirror your mother in law gave you.

The Box

It pays to pack up one special box that won’t be going with the removals company but that you’ll be keeping in the car with you. In it, you should have your kettle, some snacks, a game to occupy the kids and anything that your pets might need.

As soon as you arrive at your new home and the removals guys are unloading your stuff, you can open your box, put the kettle on, have the kids out of your hair and relax safe in the knowledge that your planning and organisation has paid off resulting in a (relatively) stress-free moving experience.

Christmas Coundown Is On

For Filipinos Christmas Season starts as soon as the first day of September hit the calendar. Christmas songs is being aired and christmas decorations are already available in some stores.


Two weeks ago I saw this Christmas decoration displayed in the mall. I felt excited and giddy knowing that Christmas is just three months away. Christmas is my favorite time of the year. It makes everybody happy.

It is also the time of the year where I can shop and by stuff for my family.

Monday, September 4, 2017

The Child Becomes The Parent: Looking After Your Mom and Dad into Old Age

It’s not easy transitioning into middle age. We have our jobs and money to earn. We need to look after our children and make sure they have everything they need to excel in life. When we have any spare time, it’s spent catching up with our neglected hobbies and finally getting around to seeing our friends. It can be tough to juggle all these important aspects of a fulfilling life. But there’s something else that’s happening at the same time: our parents are getting older. It can be a bit of a shock to suddenly realize this, especially as we’ve always looked up to them. The time is approaching when they begin to need their children more, in ways that they don’t fully understand themselves. Below, we take a look at how you can navigate this challenging aspect of life.

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Source: Pexels.com 

What Do They Want? 

When we see our parents grow older, the natural reaction is to try to help them as much as we can. But this wish to help can be misguided just because we’ve suddenly realized that we could do more for our parents, it doesn’t mean that our aid is suddenly wanted. Don’t rush into doing everything for them: first, find out what they actually want. It might be that, although they’re looking older, they’re enjoying life to the full. Give them space to air what they want from you before you go off deciding what you should be doing.

Easy Transition

Having said that, while it’s important to listen to what your parents have to say, also remember that losing a sense of autonomy is one of the toughest things a person can go through. Even if they did need help doing some things, it’s unlikely that they’ll come right out and say it. You can’t force your parents to let you do things for them, but you can lay the groundwork for taking more responsibility. Start helping more around the house and in day to day life more regularly. If you’re in the shop, pick up some easy to prepare meals, so you know that they have some healthy food in the fridge. It’s best to start with small gestures and let your parents get used to you helping out more. Do it stealthily and they won’t even realize you are helping!

Living Arrangements 

Of all the tasks that can annoy the children of aging parents, none are as infuriating as the parent's commitment to the family home. It is understandable that they would want to stay in a property where they raised their family, but family homes generally aren’t suitable for people who are growing older. They’re too big and require too much upkeep. Rather than insisting that your parents sell up, try to make other living arrangements look more appealing. You can show them  affordable condos for rent and speak of the many benefits of this type of accommodations they’ll have a spacious place of their own, in well-maintained grounds, and they’ll have other people on site to socialize with. There may come a time when they need to go into assisted living quarters, but this shouldn’t be proposed straight away - or indeed until it’s necessary.

Beware the Common Complaints 

Life is never too easy at the best of times, but it’s especially difficult when we’re approaching our later years. People can easily lose their sense of self, and become isolated, depressed, or otherwise not take care of themselves. Older people are less likely to complain about these things openly, but that doesn’t mean that it’s not happening. That’s why it’s important that you keep a watchful eye on how your parents are getting on. You can do this in subtle ways, such as asking where they’ve been recently or which friends they’ve spoken to. If they have nothing to offer by way of reply, then it’s probable that they’re feeling a bit lonely: it would only be natural.

Getting Them Involved 

More than anything, parents just want to be involved. They want to feel like they’re part of the world, part of other people’s lives. This is one of the simplest things you can do: it takes nothing to invite your parents if you’re going for a fun family day out with the children. Of course, you won’t always be doing things that you can invite your parents to. In those cases, a simple phone call to keep them up to date with that’s going on in your world will suffice. Also, instead of always popping around to see them, invite them over to your home: it’ll do them a world of good.

     pexels-photo-185772.jpeg Source: Pexels.com 

New Experiences

Everyone’s guilty of getting stuck in their ways. We all throw ourselves into the world to a degree, and then we quickly shut most of it out. However, most of us have enough going on in our lives to keep life interesting. Aging people aren’t like this: if anything, they’re finding that the things they used to like doing, they can no longer do. But this doesn’t mean they can’t find new hobbies and experiences to enjoy. Encourage your parents to get out of the house and try new things. They’ll be reluctant, but they’ll quickly discover that there’s much fun to be had from picking up a new activity and meeting new people.

Accepting Who They Are 

Of course, there is an aspect of older people that is hard to overlook: they can be stubborn, and difficult to be around. They think they know all the answers and won’t accept what people are trying to do for them. While this can be frustrating, you have to see it from their point of view, and ultimately just accept it. Feeling like everyone is trying to change them is a common complaint aging parents have, so try to be sympathetic.

Helping Financially 

The cost of retirement is getting more expensive all the time, and the sad truth is that many older people are finding it difficult to get by. While it’s unlikely that you’ll be able to cover all their bills, you can help out wherever you can. Failing that, you can help them manage their money and create a budget that they can stick to. Selling the family and moving into a rented property, as we suggested above, would also free up some of their equity, which they will appreciate more in their later years.

A Nudge Towards Help 

Just as older people can be stuck in their ways, they can also be reluctant to seek medical help, even though they’re at the age when they need it most. There’s no magic bullet to get people to visit a doctor you just need to keep an eye on their health conditions. If you think you’ve spotted a medical problem they need to get checked out, do so in a relaxed, non-alarmist manner. People’s fear of hospitals and visiting the doctor isn’t irrational, remember that.

Let Them Know You’re There 

Above all, the best thing you can do when you’re dealing with aging parents is to let them know that you're there for them. It won’t always be a pleasant or fun journey, but they’ll know that if they need something or someone, then you’ll be on hand to help them. It’s these little things that can bring comfort in later years. With support, guidance, and a watchful eye, you can make sure that your parents’ later years are just as enjoyable as the rest of their life was.

Sunday, September 3, 2017

Mog Vs. Dog: Which Would You Choose?

Having an animal as an additional family member is a great way to make your home feel more lively and to add something different to your life. The companionship a pet can bring is wonderful, often providing people with joy they didn’t know they can have. But, of course, choosing the right animal for you could be a challenge. Not a lot of people know what they are looking for in their pet until they have it. By that point, though, it could be too late. To help you with this, this post will be going through two of the most popular pets around; dogs and cats. By comparing the two, it should help you to start comparing other species, as well, resulting in the perfect pet find.

adorable, animal, animal world
Image Source Pexels 

Cats

A lot of people like to have cats as pets because they are incredibly easy to look after. Unlike dogs, cats can be left to themselves for large parts of the day without getting depressed, and will happily get by on their own. This makes them good for busy people. But, cats can also be great for emotional people. Cats display an emotional range much greater than other animals, making it easy to understand their behavior.

Of course, though, cats are also far too aloof for some people. If you want a pet which will give you love and attention, a cat might not be the best one to choose. Some cats are very huggy, but most will prefer to have their own space most of the time. Along with this, they can also be very volatile if they’re unhappy. This makes it hard to make sure your family is safe if your cat is high-strung.

animal, beagle, canine
Image Credit Pexels 

Dogs

Dogs take a lot more work than cats to keep fit, healthy and entertained. But, in return for this labor, they will reward you with love and loyalty in spades. Dogs are pack animals, giving them excellent communication skills, even with humans. This makes it nice and easy to understand your dog. Along with this, dogs are great with kids, as they are easily disciplined and will understand when they’re doing something wrong.

The amount of work that comes with owning a dog will be enough to put a lot of people off. From the daily walks to the frequent vet trips, dogs can be very hard to manage, taking up loads of their owner’s time. They can also be very destructive when they get bored or annoyed. This makes it hard to leave your dog for long periods without any interactions.

Orange Tabby Cat Beside Fawn Short-coated Puppy
Image Source Pexels 

Which Is Better? 

Deciding which pet is better for you is really just a matter of doing some research and thinking about it. With all pets, you will have to do loads of work to make sure that they’re happy and healthy. You can learn more about pet care for issues like fleas and ticks everywhere online. But, you will also have to talk to a vet if you want to get the very best advice for your pet. Whatever you choose, you have to make sure that you’re prepared for the work which will come with it.

Hopefully, this post will help you to make the hard choice between a cat or a dog as your next pet. A lot of people don’t realize how different life can be with the various pet options they have. This makes it critical to spend loads of time thinking about this choice, long before you’re very ready to make it.

Healthy Training Routines For You and Your Dog

We all love spending time with our pets; it’s both fun and relaxing. However, there are certain ways to maximize on your time together. Consider your daily routine when it comes to walking a dog and being outside with them, is their routine healthy? If you have the time, getting into an exercise routine with a dog works wonders for the both of you when it comes to health. Exercise is something we all need more of! If you have a pet, take them along with you on your journey to perfect health. Below are a few tips on keeping routines healthy for dogs and you at the same time.

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Image from Pexels

Try some gentle and moderate exercise 

Running is always a strong contender in this, and is best for a busy schedule. Going for a light jog and having your dog with you means they have all the exercise they need for the day and can settle down better as you do your work at home.

Your dog knows what it wants to do when it comes to big field opportunities, so a lot of the time you can follow their example. This can also help you to push yourself as four legs are a lot faster than two! This is particularly good for your muscle strength training and their stamina, making your dog more playful in the daytime and sociable around others.

If you have a lot of energy to burn that day, you can also set up an obstacle course and teach your dogs some new tricks at the same time. You never know, this could be the gateway to participating in some world championships.

Keep healthy treats on hand 

Having healthy and natural treats on hand like the brand Betsy Farms is a guilt free way to reward your dog and keep them on their toes. Rewarding your dog for a job well done can often be overdone, and thus having natural treats if you tend to do this is much, much better than cheap synthetic chews you can find in pet stores.

Be careful not to bloat your dog with rewards after exercise however. If it’s time for their proper feed in the morning, make sure you give it to them at least an hour after your exercise is over. You can also bring a dog water bottle to make sure the morning sun doesn’t get too much for them, and have a quick break under some shade.

When it comes to human food, fruit is one of the best products to have on hand after a run. Do this in the first half hour after you’ve finished exercising to better soothe your aching muscles. Protein is the best contender here as well, so try some egg based products with a hint of carbs.

Having fun with your dog whilst keeping them healthy is essential. Keep playing with them to show them how much you love them, and be casual with what you put your pet through.

Pasaka Festival A Success- Part 2

I will be sharing some photos during the Pasaka Festival 2017.

Photo opp with Tribu Pundok Nagkaurusa nga Magbarantay Pasaka Queen.


Photos taken during the Street Dancing


Tribu Karasikas Champion 






No doubt that each year Pasaka Festival is improving. It is getting more grand and color each year. I look forward for next year celebration.