Credits

Thursday, September 21, 2017

Debt: The Biggest Problems You'll Face

(Image:http://bit.ly/2xifmWW)

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.