Tuesday, September 26, 2017

Home Admin: 5 Essential Tips

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 or 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 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

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.


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; this page will teach you the basics of borrowing and highlight common mistakes that people make with lenders.

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

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 (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


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 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 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. 


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

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, 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:, 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.


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 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.