Sunday, October 14, 2018

Post Title: Purchasing A Family Car? What You Need To Think About

At some point, you may find yourself in the market for a new car. Your current vehicle may have just run its course, costing more to fix than perhaps it is worth, or maybe you need to upgrade your model because of the family. Perhaps you need more boot space or extra seats for the children and their car seats. Whatever the reason, it can be a daunting experience to ensure that you not only find the right car, but you also get the right deal. So I wanted to share with you some of the things that you could consider to help you purchase your next family car.



What sort of car do you need?

One of the first things you need to think about would be the sort of car that you need. Is it to do with the size, such as needing an extra amount of space in the boot area. Is it bigger seats to accommodate more car seats or even things like a higher drive such as four wheel drive for country driving. Knowing what your peridotite are can really help you decide on the best route to take when it comes to your family car. It can help you to decide on manufacturers, models and even other aspects like the engine size. You might also want to use this time to test drive and see as many different vehicles as possible. It helps you to make the right decisions when it comes to your future vehicle. 

Make sure you get the most money for your trade in

The next thing to consider is your current vehicle. This is one of the things that you can utilize to ensure that you can get a great deal on your next vehicle. You may have equity in your car, or even own it outright, and this can be used to reduce the overall cost of your new vehicle. But you will need to know the trade in value car, first of all, so you know exactly what situation you are in. This is valuable knowledge to help you obtain the best deal when attending a dealership.

How will you purchase it?

You also need to start considering how you will purchase your next vehicle. There are a few different options to consider. Not many people buy a car outright these days because a car depreciates in value. You could consider different monthly options, and with lease deals or loan arrangements available, you could be spoilt for choice. You might want to take the time to explore all your options so you can determine not only the best option for you but also the best cost.

Top tips to help you do it 

Finally, purchasing a car isn’t the easiest and most pleasant experiences. So you may be wondering what the best ways are to go about it. The truth is, test driving, shopping around and haggling on the deal will always serve you well. You need to ensure that you are making the right choice when it comes to purchasing your car, and so taking your time is essential. After all, after a house, it can be one of the biggest purchases you make.

I hope that these tips help you when it comes to purchasing your next family car.

Wednesday, October 10, 2018

Spooky Fun with the October Shop Swago Board! #ad

Disclosure:  This is a sponsored post.  We will receive SB for sharing.



Swagbucks is hosting another round of Shop Swago! What is SWAGO you ask? It's a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. If you've never used Swagbucks, participating in SWAGO is a great introduction to the site and an easy way to earn a good amount of points quickly. 

Click here to get started! 

Here’s what you need to know to get your 150 SB Bonus (and don’t worry, you don’t have to make a purchase to complete a pattern):


  • Go to the Swag page and make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have a limited amount of time to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value - up to 150 SB.
  • Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • The game ends Friday, October 12th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.  


Get 300 bonus SB when you sign up for Swagbucks in October #ad

Disclosure:  This is a sponsored post.  We will receive SB for sharing.



All throughout October, you can earn large bonuses when signing up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here's how:

1. Sign up using this link

2. Earn 300 SB total before November 1st, 2018. You'll get a 300 SB bonus for it!

3. That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned well over $2,000 worth of SB and have used them for PayPal and for Delta Airlines and Amazon gift cards!

Tuesday, September 25, 2018

Healed by Grace 2 Review and Giveaway #HealedByGrace2L3

Disclosure:  We received a screener copy of this DVD to facilitate our honest and unbiased review.  All thoughts and opinions are those of the Shelly's Bits and Pieces.  All prizes will be fulfilled by the sponsor.



ABOUT
Jesse is approaching her 15th birthday and the only gift she desires is a horse. Unbeknownst to Jesse, her mother Brandy is in the throes of a cancer diagnosis which has Jesse’s father jumping through unexpected obstacles.  He signs Jesse up for summer camp, but when summer camp falls through he decides to have her stay with her estranged grandfather, an old gruff horse trainer named Gauff. Gauff, still recovering from the death of a special horse named Grace, now faces the challenges of teen negotiation. Gauff finds he must swallow his pride and ask his daughter Brandy for forgiveness.  A humorous and inspiring story of how God’s grace works in mysterious ways.  This movie is the sequel to Healed by Grace.

Our Thoughts:

We really enjoyed this movie.  Family is so important to us and this movie was all about family and the family dynamics.  The story delves into a daughter being estranged from her father and it wraps itself in forgiveness.  If you are an animal person, this movie will appeal to you.  We love horses and it is wonderful to see the way horses can help you heal, by the love you share with them.  We do not want to ruin watching the movie for you, so we are just sharing our thoughts.  You can check out the trailer below.



This movie is available on digital and on DVD.

You can purchase the DVD right now at Amazon and Christianbook.com.  Want a chance to win Healed by Grace 2 and the first movie, Healed by Grace?  Simply enter on the rafflecopter form below!

Monday, September 10, 2018

Get 300 bonus SB when you sign up for Swagbucks in September #ad

Disclosure:  This is a sponsored post.  I receive SB for sharing.



All throughout September you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here's how:

1. Sign up using this link

2. Earn 300 SB total before October 1st, 2018. You'll get a 300 SB bonus for it!

3. That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned over $2,000 worth of SB which I redeemed for Starbucks, Amazon, and Delta Airlines gift cards, as well as paypal!

The September Swago Board is here! #ad

Disclosure:  This is a sponsored post.  I receive SB for sharing.



The digital rewards site Swagbucks is offering big payouts during on their September Swago Board, which runs from September 10th through September 17th at 9am PT! Swago is just like bingo, but in this case you're filling out squares as you earn points on their site for doing things you already do online. If you're thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!

Once you complete the action item in a particular square the square will change color signifying the action item is complete.

You have until 12pm PT/3pm ET on Monday, September 17th to mark off as many squares as possible so use your time wisely.

Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.

Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you'll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, September 17th to use all your spins.

Fill up your board and then submit your pattern to get even more points - if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice.

Click here right now and click "Join" to get started! If you don't already have a Swagbucks account, you'll be able to quickly sign up; PLUS, if you earn 300 SB before the first of October, you'll get a bonus 300 SB!

Friday, August 31, 2018

Five Ways We Can All Become More Independent



Most of us are far less independent than we might think. We can rely on parents, partners and friends in lots of ways- and while in many cases this isn’t a bad thing, sometimes it can be. When we’re depending on someone else to take care of us emotionally, financially or in any other way, it stops us from growing and evolving as a person. We all need a little support and help at times, and that’s what family and friends are there for. But for the most part, we should be standing on our own two feet. We should be able to look after ourselves without relying on others to do so- achieving this is freeing for both us and them. If you know you’re not as independent as you should be, here are some of the ways you can make changes. 

Learn to cook
All of us need to eat. It’s about fuelling our bodies for energy, and giving it the things it needs to ward off illness and generally feel good. You might have moved away from home and no longer rely on parents to feed you, but do you rely on your partner? Do you resort to eating takeout and convenience food because you feel like you don’t have the knowledge or skills to cook for yourself? Learning to cook can save you money and also allows you to take responsibility for this area of your health. If your repertoire includes boxed mac n cheese and baked beans on toast then it’s time to make some changes! You don’t need to become a michelin star chef, but it is important to know how to feed yourself nutritious food that you enjoy and that fits within your budget. It’s surprising the number of adults out there who aren’t able to do this, so if this sounds like you you’re not alone! Things like pasta bake, chili, soups and stews and curries can all be simple to make and can be put together with humble ingredients. Check out sites like Pinterest for inspiration and learn to cook a number of dishes that would allow you to feed yourself if it came down to it without having to resort to convenience food. Even if your partner likes to cook and does all of the cooking, it’s worth you knowing as well. If you ever broke up, these are skills that you’ll need to get by on your own. 

Get a car
You might get around ok using public transport, but nothing will give you true independence quite like your own vehicle. Learning to drive can be a long and arduous process, but the quicker you get started the sooner you can pass and look into getting on the roads yourself. Buying a car can be expensive, so one trick is to save a little each week as you’re learning to drive. By the time you have your license you’ll have a good amount stashed away that you can put towards either the car or the insurance. To cover the cost of the vehicle, you have companies like sofi loans for personal loan options or you could also go with car finance. These allow you to spread the cost, and have the car right away instead of having to save up for months. 

Manage your money correctly 
Speaking of loans, being able to manage your money correctly is a sure step to independence. Even if you’re in the lucky position where you don’t need to work, it’s worth having some kind of income of your own. Working, even part time can help you to develop your skills, keep you productive and gives you access to money that’s yours. You could work from home, starting a blog or a home business could earn good money. If you’re skilled at writing, website design, app design or something else then you could become a freelancer. Budgeting is also incredibly important, whether you have a little or a lot to work with, knowing how to manage this will prevent you needing to ask others to help you financially or falling into debt. Budgeting apps, spreadsheets, even old fashioned pen and paper can all help you to keep track so find a system that works for you. 

Get comfortable with alone time
As humans, we’re social creatures. Loneliness is a real thing, we all need social interaction and a good network of loved ones around us- it’s actually good for our mental health. However, we should also be able to spend time alone when needed, and we shouldn’t be relying on others to be entertained, fulfilled or to provide emotional support at all times. Being independent is about being able to rely on yourself, being able to be there for yourself, keep yourself occupied, cheer yourself up if you’re feeling down. When we rely too much on others for emotional support we can become a burden to them, and not only that but it’s a dangerous game where you will almost always be left disappointed. Allow yourself to cry on a friend’s shoulder when you need it, but be able to pick yourself up too. Learn ways to make yourself feel better when times are hard- it could be reading a book, exercise or having a hot bath. Get comfortable with alone time and learn to enjoy your own company. There are always going to be times when the only person you have is yourself, so get to know yourself, get to like yourself. 

Consider living solo
There’s no better way to put all of these lessons to the test than by living by yourself. If you really want to know what you’re made of, and have the opportunity to stand on your own two feet then go for it. Maybe you’ve just come out of a relationship, or perhaps you’re looking to move out for the first time. Instead of looking to move in with others, give solo living a try. Cooking, budgeting, getting around and spending time alone are all things that you will have to learn to do and it can really help you to grow as a person. It doesn’t have to be forever, utilise this time and use it for self discovery and personal development.

Monday, August 13, 2018

5 Pets That Won’t Aggravate Your Allergies


Do you feel ready to take the responsibility of owning a pet? Pet allergies might be coming in the way of making the wish come true.

You need to first understand exactly what you are allergic to. Simple medical tests can tell you if you are allergic to the animal or to any dust/pollen particles that might have caused any allergic reactions. Once you know the allergens that are triggering your allergies, you can narrow down on which animal you want to welcome home.

Here are some common pets for your consideration:

Lizards

There are many types of lizards that you can buy and maintain easily. Bearded dragons are compact lizards that are easy to maintain in hotter climates. There are also many types of geckos that require less effort to keep. Chinese water dragons are less aggressive than iguanas, making them are a more preferred lizard. A chameleon might seem like a good option as a pet but the amount of maintenance that they need is very high. So, if you are planning to get a chameleon, consider the amount of care you need to take of it.

Turtles/tortoise

Multiple kinds of turtles and tortoise are legal to keep as pets. Both turtles and tortoise need well set up habitats for their survival. Discount pet items and medications that you find online can help you set up and care for your exotic pet. Once you know how to care for your tortoise or turtle you have a pet to last you almost your whole lifetime.

Fish

The most common pet is a fish. Setting up a proper aquarium and watching your fish multiply is an enriching experience. Unlike some carnival goldfish in a bowl, your fishes will have a long life if you are able to put in the work. Building a fish-friendly ecosystem has its own rewards. Once you get a breeding pair of fish that spawns wells in captivity you can get hooked.

Cats

There are some cats that produce low amounts of allergens. These cats are generally considered hypoallergenic cats. No cat is entirely hypoallergenic, they produce fewer allergens hence they are “considered” hypoallergenic. Some cat breeds you might consider are:

Siberian
Bengal
Burmese
Siamese
Sphynx

There are many other species of hypoallergenic cats. If you do have pet allergies ask your doctor if you can get a cat. With your doctor’s permission, contact authorized breeders or adopt from recognized organizations to get the breed you are looking for.

Dogs

Just like cats, no dog breed is fully hypoallergenic, they simply produce fewer allergens hence some allergic people can get them. Some breeds of dogs that are considered hypoallergenic are:

Bichon Frise
Maltese
Poodle
Portuguese Water Dog
Shih Tzu
Yorkshire Terrier

There are more breeds that American Kennel Club lists as hypoallergenic dogs. When adopting a hypoallergenic dog take them first to a pet salon to give it a spa day. The spa day for your new dog is more for you than them because the cleaning will strip them of any allergens that they might be carrying from other dogs.

Monday, August 6, 2018

Get 300 bonus SB when you sign up for Swagbucks in August #ad

Disclosure:  This is a sponsored post.  We receive SB for sharing.



All throughout August, you can earn large bonuses when signing up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here's how:

1. Sign up using this link

2. Earn 300 SB total before September 1st, 2018. You'll get a 300 SB bonus for it!

3. That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned a LOT more than I first imagined.  I have been able to trade in my SB for Delta Airline gift cards, Amazon, Starbucks, and even Paypal!

Earn Free Gift Cards during the Back to School Team Challenge - US #ad

Disclosure:  This is a sponsored post.  We receive SB for sharing.



It's that time of the year again! Swagbucks is holding a Back to School Team Challenge to help you earn free gift cards! For those of you who don't know what Swagbucks is, it's a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web!

If you've never tried Swagbucks before because you didn't know where to begin, their Team Challenges are a great way to learn the ropes and earn points towards free gift cards and PayPal cash! The challenge runs from Monday, August 6th to Friday, August 10th.

Here's how you can join the challenge and the site:

1. Click here to join the challenge and be assigned to a team.

2. In addition to earning SB, you'll contribute to your team's total as you complete different activities on Swagbucks.

3. Check back on the page often to see the scores and what you've contributed so far. 

All members who participate and contribute at least 600 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Shop Bonus on their next gift card!

Not only that but if you sign up under me this month and earn 300 SB before September 1st, you'll get a 300 SB bonus!

Members of the 1st place team will receive a 100 SB Swag Up Rebate, members of the 2nd place team will receive a 50 SB Swag Up Rebate!