Monday, November 19, 2018

Earn Big Cash Back this week leading up to Black Friday #ad

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



As a pre-Black Friday warm up, Swagbucks is offering big cash back for shopping online at several of your favorite retailers right now! Just go to this page to see all of the deals available and get the jump on your holiday shopping.

In order to take advantage of the cash back, just create your Swagbucks account when prompted (it takes less than 30 seconds) and then you're all set! Your cash back comes in the form of SB points, which you can redeem for gift cards to places like Amazon, Target, Walmart, Starbucks, or get PayPal cash! 

As a special bonus, if you sign up through me you get a 300 SB ($3) bonus when you earn your first 300 SB before December 1st! This site's a great way to extend your shopping budget, especially around the holidays!

Monday, November 12, 2018

Start a New Family Tradition with a Package From Santa #ad

Disclosure:  This is a sponsored post.  I will receive a Silver package for sharing!



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Give the one-of-a-kind memorable EXPERIENCE of receiving a Package From Santa!
Every Package From Santa includes both tangible & technological delights including:
* a personalized Santa Letter that arrives in the mail
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* and the option to upgrade with MORE goodies!

Get 25% off every package you order using code FAM2060
This uniquely personalized gift experience creates Christmas wonder and excitement that your child will never forget!
Have your camera ready to video every step of this special Santa experience! It all starts at the mailbox when the Package From Santa arrives from the North Pole! Delight in the process of making Christmas magic come alive in a very personal way for your child, grandchild, niece, nephew, or any little one you know!

This esteem-building personalized gift is an amazing experience of joy, memories, wonder, and happiness!

PackageFromSanta.com has options for EVERY BUDGET starting at $14.95 with an array of add-on goodies to choose from. Create a custom package for each child!

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Order this holiday must-have for your child at https://www.packagefromsanta.com/

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Large Expenses That Could Be Destroying Your Budget



Living expenses can grow massively over the years, causing your monthly budget to become unmanageable and impossible to live with. If you’re living paycheck to paycheck or even run out of cash before the end of the month, then something needs to change right away. The biggest expenses in your budget, like groceries and housing, are far from unnecessary, but there’s also no need for them to be quite so large. With that in mind, here are five large expenses that could be destroying your budget and things that you can do to reduce them.

1. Housing
Your rent or mortgage will understandably take up a large portion of your budget, often as much as 30% of your monthly income. If your housing costs are even larger than that, then you may want to consider moving to a smaller property or cheaper area. Just make sure that you take the moving costs and any other additional expenses into consideration. Of course, this may not be something that you can or want to do, in which case, you could speak to your landlord or lender.



2. Energy
With the cold weather drawing in and winter just around the corner, homes all over the country are sure to see a rise in their energy bills. To limit this and keep costs low, you should find ways to stay warm without cranking up the heat. For example, you could invest in roof insulation and block up any draughts around your home. You could also wear extra layers. To keep electricity costs down, you need to eliminate phantom energy by turning things off when they’re not in use.

3. Entertainment
Getting rid of your television altogether is a brilliant way to reduce energy and entertainment costs. That being said, it’s far from a realistic solution. Instead of taking away your TV altogether, you could cancel your cable and use streaming services instead. This way, you can still watch anime, television shows, films, and more, but for a much smaller cost. You could also look for free things to do in your local area instead of spending every time you want to have some fun.

4. Transportation
No one realizes just how expensive cars are until they have one of their own. Most only really consider the cost of gas, but there is also insurance, tax, parking, maintenance, and much more to take care of. To cut this expense drastically, you could trade in your car for a cheaper one or even ditch driving completely. After all, public transportation is often a lot cheaper. You could also try walking or cycling to work, as this is free and allows you to get a workout in too.



5. Groceries
Food can get incredibly expensive if you’re not careful, but, with some thought and planning, it is possible to eat healthily without breaking the bank. You should start by writing meal plans and shopping lists and actually stick to them. You should also try swapping to cheaper or generic brands and only eat fruits and vegetables when they’re in season. Limiting meals out will also reduce costs, but there are deals you can find when you do head to a restaurant.

There’s no way to escape many of the large expenses in your budget, but, hopefully, with the advice above, you’ll be able to reduce them and make your money go further.











Tuesday, November 6, 2018

End of Year Finance Tips and Advice


As the end of the year approaches there starts to come the realization that money isn’t as accessible as it seemed to be earlier in the year. The holidays are around the corner and the summer vacation is now a distant memory, albeit often an expensive one. So as we head into the final months, the time has come to assess bank balance and check our credit. 

It’s never a conversation that is enjoyable but with figures like $12.7 trillion for household debt being revealed by places like https://debtconsolidation.loans/ there comes a time that reigning in the spending becomes a necessity. So what can be done to prevent household bills becoming a bigger and bigger burden around our necks?

As discussed here, measuring your debt isn’t something to be afraid of and is actually quite a manageable task, especially these days with so many websites offering you advice on spending and cash flow. Developing a debt management strategy is one of the main ways forward and can be achieved by following a few easy steps. It is important to remember, you are not the first person to bulk at your bills, and you won’t be the last.

Source: pixabay.com

Make sure you are paying off your debts using your own prioritization system. Just because a figure is significant doesn’t mean it should be addressed first and vice-versa. Managing your accounts is more than just lifting the heavy load but also assessing your options to make the number of fiscal voices smaller and quieter.

Pay particular attention to the smaller sums in your day to day life. Is it cheaper to make something at home rather than buy out? Do you need to purchase something new for the house or will some DIY spruce up your living space just as well without causing extra strain on the purse strings? Saving on these smaller expenditures will soon add up and suddenly your bank account will start to look a lot healthier.

If you do have loans or bills to pay out, keep an eye on the time sensitivity of those payments. Some lenders will have extra charges attached to missed payments and the last thing you need is to add another sum on top of your year’s tally.

Remember you are not alone and for that reason, the internet as mentioned above is here to help you. There are several price comparison websites available to you for those purchases you must make and many other money saving tips out there. As debt rises so do the number of ways that we can manage costs and organize our lives.


Modern day life is chaotic enough so don’t let the burden of debt bring you down any further, take the time to assess your income and outgoings so that you can continue to enjoy the end of the year as much as the start.

Monday, November 5, 2018

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

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



All throughout November, you can earn large bonuses when you 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 December 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 208,803 SB and have redeemed for gift cards to Amazon and Delta Airlines, and I even redeemed for Paypal!

Earn BIG At The Register #ad

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



We're all looking for ways to save big at the register. Well, I've found a way to make every coupon I use at my local grocery store worth an extra 25¢!

How you ask? It's as easy as 1, 2, 3!

1) Sign up at Swagbucks.com and use my special code SBCouponer to earn an extra 50 points, that's 50¢ just for signing up!
2) Head over to the Grocery Coupons page and start clipping coupons for your upcoming shopping trip
3) Use the coupons the next time you shop at your local grocery store. You'll earn 25 points (25¢) for every coupon you use.
That's it!

But, that's not all... This month you can earn 1 point (1¢) for every coupon you print, up to 25 prints per day. That's an extra 25¢ every single day!

Saturday, November 3, 2018

3 Types Of Insurance All Adults Need

Insurance is an essential requirement for any family, forming a core protection against any expensive mishaps or problems in the future. However, with so many different insurance products on the market, how can you know which you should prioritize?

To answer this question, below, we’ve focused on the three key insurance products every family should own. If you want to purchase additional insurance products, you can - of course - do so, but we’ve focused on are the core essentials that everyone needs.

#1 - Vehicle insurance

In most jurisdictions, vehicle insurance isn’t just a nice thing to have - it’s a legal obligation. Furthermore, even if you are not required by law to purchase insurance, it’s still worth doing: car repairs can be ruinously expensive, and insurance is crucial for mitigating some of these costs.

#2 - Building insurance

Building insurance focuses on the structural elements of your property; you can often bundle this with contents insurance, but the buildings element is by far the more important of the two. Structural problems in a property can be extortionately expensive to repair, so coverage is an absolute must if you own your own home.

#3 - Life insurance

Life insurance is not something that many young people think about, but it’s nevertheless a worthwhile policy that can help to protect your family’s financial well-being in the future. The infographic is a great place to start when looking at life insurance for the first time, so it’s well worth reading through and then exploring your options in more detail…
Infographic Design By How much life insurance do I need

Friday, October 26, 2018

3 Great Ways To Suddenly Expand Your Life Now

We have all had the experience of suddenly feeling as though our life's going nowhere - or nowhere in particular -and not knowing what to do about it. This feeling of despair aside, the truth is that there is always something practical that can be done in such cases, and it’s something which you should bear in mind if you are starting to wonder what you might be able to do to improve your life situation. No matter where you’ve been, or where you are now, you have within you the power to harness and shape your own story, and that authorship is the kind of skill you need to live a life of happiness and whatever you might personally deem to be a success. In this article, we will look at four of the ways in which you can expect to suddenly and irreversibly expand your life. Following any of these paths will ensure that your life opens up grandly in front of you, so they are well worth considering.



Move Abroad

Moving home is always going to have some kind of a profound effect on you, but you need to be careful not to simply go form place to place whenever you feel like a change. Do that, and you end up living the life of someone who is trying to run away from pieces of themselves, and it rarely ends well in any sense. That being said, sometimes a move is exactly what you need to get the fire going again - and what could be more illuminating for you than moving somewhere completely different and exotic to what you are used to?

If you have lived in the same country your whole life, you will likely be a little afraid at the prospect of moving abroad. However, it is one of the greatest things you can do, especially if you feel that you have become stuck in a rut somewhat. Moving abroad may prove to be exactly the kind of challenge you need in order to get yourself going again and feel as though you are achieving more in life, so it is absolutely something to consider on that front at least. Of course, there will be any number of concerns you need to face head-on if you are to get it right, but that alone is a great reason why it is likely to be a good means of expanding your life right now.

First of all, make sure you have a clear idea on where you would actually like to go. If you are merely following work or a partner, you will know this already and it will be decided for you to a certain degree. However, if not, you have the opportunity to choose somewhere that you think you will be happy, and that is a great and exciting choice to be given at any time in life. You should consider primarily the culture, and see if, say, Malaysia is going to suit you in that sense, as that will contribute greatly to how happy you are. You should also make sure you carry out the necessary research, by reading Malaysia property news in this case and generally keeping your eye out for anything important. The more prepared you are in these ways, the more likely it is that you will be able to move abroad and truly make the most of it. Make sure that you are doing this at a good time in your life too so that you are not going to cause any kind of upset which you would really rather not have. Get all that right, and it could make all the difference in the world, and you might be living your dream in no time at all.


Change Careers

The idea that you should stick to one career for life is only really something to take seriously if you have a vocational career which you have worked hard to be in, and which you genuinely enjoy for what it is. Even then, there is always the possibility that one day you'll wake up and decide to do something else. If that does happen, there is nothing wrong with that, and it’s a good idea to allow such openness and flow to be a part of your life if you want to be truly happy. The truth? Changing careers can often be a great way to bring about a little more life in your livelihood.

So if you feel that you are in need of a career change, what should you do? The first is to think about the source of your discontent with your current job, for in that lies the secret of what you would rather be doing instead. Perhaps, for instance, you don’t like sitting at a desk all day, and you want to be on your feet. You might consider becoming a teacher or a gardener or any number of professions out there. Knowing this will help you make your decision, as you can see. You can then look into what kinds of careers you might enjoy which you are likely to be able to get into without too much trouble.


Don’t limit yourself here. Give yourself every piece of faith you can that you can land whatever job you want. There might be some training you need to undergo or some life changes you need to make to accommodate for the new role, but as long as you do so you can generally do most of the jobs you set your mind to if you really want to. What’s more, going for something challenging will help to boost your confidence and ensure that you are going to be able to keep your personal growth in action. As you can see, something as simple as a career change really can make a huge difference to how you feel about your life, and about yourself, in a way which can mean a much more enjoyable experience for you in the here and now - as well as being able to feel happier and more excited for your future.


Do Something Frightening

Fear is in many ways a useful emotion, as it lets us know when we are doing something risky. Sometimes this risk is that we are putting the body under terminal risks, such as bungee jumping or skydiving. That’s not for everyone, but another kind of risk is certainly something we should all court whenever we feel able to: namely, the risk of failure. You risk failing when you try something outside of your comfort zone, and by that very means you are ensuring that you can expect to grow from that situation. As it turns out, engaging in something frightening on a regular basis is one of the best things you can do for your own growth, and it is certainly something to consider if that interests you at all.

The frightening thing is so because you haven't done it or you’re not used to it yet, and because of that it is precisely something that you should think about doing. It will boost your confidence, even if it goes wrong, because even in that failure you will find that you survived, and you’re safe, and it’s okay to risk things like that. Plus, chances are you won’t fail, and that will be even greater for your confidence. There is really no losing out when you risk like this so you could say it’s not much of a risk at all. You will further and strengthen your resolve profundo, and start to live a life much more full and complete as a result.

Sunday, October 14, 2018

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.