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!



Start a Magical Christmas Family Tradition That Your Child Will Cherish Forever!
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
* a personalized VIDEO starring your child via email
* a personalized PHONE CALL
* a personalized printable NICE LIST GUIDE
* 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!

Get 25% off every package you order using code FAM2060

EVERY package come with:
-Personalized Letter from Santa
-Santa's Special North Pole Return Address Label
-Genuine North Pole Stamp
- 90-day money-back guarantee
-FREE Personalized VIDEO
- FREE Personalized PHONE CALL from Santa
- FREE Personalized printable NICE LIST GUIDE

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

Get 25% off using code FAM2060

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.

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!

Thursday, July 19, 2018

Your Healthy Diet Shouldn't Leave Your Budget In The Red

We all know that we should be trying to make our diets as healthier as possible these days. Eating better is a great way to build up our health and help protect against a whole range of illnesses and health conditions. However, some people still struggle to add an extra portion of veggies to their meals. It’s not because they don’t like all those greens - it’s because eating healthily can be extremely expensive. For some people, it’s cheaper to fill their kitchen with processed foods and ingredients rather than fresh fruit and veg and whole grains.

Is this the main reason why you aren’t eating as well as you should? If so, fear not. In fact, it can be very easy to eat healthily on a tight budget once you know how you can save money. Read on to find out more!



Create A Weekly Grocery Budget

We all know that creating a monthly budget is the best way to keep our finances in good shape. Hopefully, you’ve already got such a budget that you enter in all your income, regular outgoings, and one-off expenses. Well, it’s also a good idea to create an individual budget for your weekly groceries as well. That way, you can take a closer look at exactly how much you are spending on your food everytime you go to the supermarket. To do this, simply set yourself an amount for your weekly groceries. Make sure that you buy everything you need for the week in just one visit, as that will create less chance of you going over budget. Thanks, to this new budget, you’ll be able to control your spending more and will have more cash left over to go on healthy foods and ingredients.



Write A Shopping List And Stick To It

Next, it’s important to write a shopping list. Once you have done, you should stick to it! One of the main reasons why people struggle to afford their monthly groceries is because they get easily distracted when in the supermarket and end up buying things that catch their eye. Supermarkets are always putting on special deals, some of which aren’t really worth it, and it’s certainly pointless wasting your money on these items. So, plan in advance what you are going to eat for the week, and then you will find you have more to spend on your core shopping list.



Eat Seasonally

It’s also a good idea to try and eat as seasonally as possible. If you buy items that are out of season, especially fruit and vegetables, you will find that your weekly grocery shopping will work out very expensive indeed! That’s because it can be very expensive to produce and grow certain foods out of their natural season. And all of this cost will come down to you, the customer. So, it’s best to stick to a seasonal diet to try and keep your shopping costs down. Thankfully, each season has plenty of healthy veggies and fruits you can try, so eating this way will never end up boring!



Look For Restaurant Deals And Discounts

Whenever you eat out, you should try and look for restaurants that you know are going to have healthy options on the menu. Try not to just stick to fast-food outlets or convenience restaurants as the dishes they serve up will be really bad for your health. Unfortunately, health-food restaurants and those with a focus on healthy vegetarian cuisine can often be very expensive. There is a way around this, though. You just need to look for deals and discounts offered by these kinds of restaurants. If you look here for more information, you can see that you can even treat yourself to some gift cards for various restaurants. So, why not ask for some of these cards for your birthday?

Delicious roasted cauliflower soup and vegetable lasagna @alloraatl . It has been one of the best restaurants we have tried using the deal in the @diningoutatl passbook! Chic ambiance, tasty food and friendly staff! Enjoy 2-4-1 entree deals @alloraatl and 90 other restaurants when you purchase the passbook using ➡️ PROMO CODE JMIT18 ⬅️ In just two meals, this coupon book pays for itself! See link in my bio to learn more. . . . . . #atlanta #atlantarestaurant #diningoutatl #bogomeals #halfprice #diningoutatlanta #atleats #atlanticstation #diningoutatlpassbook #atlfoodie #atlfoodblogger #foodblog #food #eeeeeats #f52grams #nomnom #eatingfortheinsta #diningoutatlambassador #yelpatlanta #discoveratl #bestfoodatlanta #zagat #zomato #vegetarian #eathereatl #ad #diningdeal #atlantacoupon #restaurantdeals #atlantadeals
A post shared by ✈️In Transit Travel + Food (@intransitblog) on

 Swap To Cheaper Brands

Next time you go shopping, it’s worth taking a bit of extra time to consider all the different food brands that are on the shelf. How do the prices of the brands you normally buy compare to some of the others? There’s a chance that changing your habit could get you some cheaper food prices. In fact, if you often go for branded food and ingredients, it’s worth switching to the supermarket own brands as they are often a lot cheaper. You don’t have to worry about a decline in the quality - generally speaking, supermarket own brands are just as good as the premium products on the shelf!



Cook From Scratch

Do you regularly cook convenience food and ready meals? If so, this is a habit that you need to nip in the bud as soon as possible! It often works out so much cheaper to cook everything from scratch. Fast food and convenience meals are often overpriced, and they simply aren’t worth it. Not only that, though, but they will be packed full of calories and sugar, and will make it incredibly easy for you to gain a lot of excess weight. If you are one of the people who struggle to find the time to cook healthy family meals from scratch, there are some solutions. One of the best, though, is to batch cook at the weekends when you do have time. Cook large portions of meals and then portion them up before freezing. Through the week, you just have to take out as many portions you need and reheat them ready for dinner.



Don’t Shop When You Are Hungry

One of the biggest mistakes many people make is going to the supermarket on an empty stomach. When you are hungry, you will be easily tempted to buy all the delicious-looking food that comes into your eye line. This will not only push up the cost of your weekly shop, but it will also mean you are more likely to buy unhealthy food too.

Once you follow all the tips above, you should find that healthy eating becomes a lot more affordable for you. Bon appetit!

Tuesday, July 10, 2018

Indebted To Tech: How To Break The Chain



Advancement in technology is one of the greatest inventions of modern times. Think about how much the world relies on the internet and cell phones today. There is hardly a patch on earth on the planet which isn’t impacted. And, its rise has been meteoric. The internet was a 90s invention yet it has taken it less thirty years to immerse society fully. Plus, the surge isn’t finished, not by a long shot.

It’s easy to see why tech has become a major part of modern life. Cell phones, tablets, and laptops with connectivity are instant. Turn it on and you can be on the grid in a matter of seconds. The world is open to you and it’s accessible from any location on the planet. Also, there is the ease of use. Imagine living a life without a microwave or a fridge. The sheer effort it would take to transition would be monumental.

Unfortunately, technology is leading people into debt. Conventional wisdom says it can get the poor out of a funk and into the black. Information Age sets out how this can be the case. But, for every action, there is a reaction. Here’s how tech may hurt your finances.

Long-Term Contracts

Human nature means people want the newest gadgets and gizmos. From a vanity perspective, it’s an excellent way to show off to the world. The fact that you are one of the first followers to own an iPhone X is a statement of intent. You are a wealthy individual who doesn’t take prisoners. Everyone look and take notes. The only issue with investing in the newest technology is the contract.

Bad deals are rife because buyers have to agree to long-term contracts. Today, it’s common to pay $50 a month for a phone and data which lasts for two-years. Anyone who wants to get out of it has to pay the remaining amount off in full. In short, tech companies have your short and curlies in a vice and aren’t scared of squeezing.

Thankfully, sellers exist that don’t insist on 24-month deals. And, it isn’t as if download speeds are slow or the product is inferior in any way. They merely want to offer a service which suits both parties.

Overpaying

Suppliers tell you the cost of a monthly contract in advance of taking the money. Still, there’s a good chance that this won’t end up being the final amount. Why? It’s because users often go over their limits and incur extra charges. Data is a perfect illustration. Without wifi, the phone connects to the Web via 4G. When you are within the specified limits, this is fine because it’s already covered in the deal. However, when the bolt-ons are empty, it’s very costly.

Technology isn’t full to blame but it plays a major role. Firstly, the need to have a connection is an issue. Anyone who can go a few hours without surfing the internet wouldn’t need to fork out a great deal of cash. Secondly, the layout makes it difficult to see when and where you are spending money.

The most basic thing you can do is understand the bill and stick to the limits. If there is 1GB of data and 500 messages, then keep track of how many you use.

Transient Memory

For those who don’t know the term, it’s when you let other things act as your memory. For example, parents rely on their kids concerning tech because they are the experts. When something goes wrong, moms and dads speak to their children to fix the problem. In many ways, lots of people rely on technology to fulfill their responsibilities.

Think about online banking and setting up a monthly payment. Maybe you’re single and use Tinder? In this case, signing up to the “Gold” option costs money but you want to try it for a month regardless. Better to see if it works than dismiss it out of hand. Because you don’t have to make the payment physically – PayPal does it – it’s easy to forget. Before long, three months have passed and you’ve wasted 90 days’ worth of subscription money.


Those who sign up to trial periods and reduced memberships should cancel them as soon as possible. That way, you can still use it until the end of the deal and it doesn’t automatically renew. Or, and this is old-school, you can write it down and cancel it the day before or on the day.

Safety And Security

The only way to lose money twenty years ago was to drop it down the sofa. Or, if you were unlucky, a bank robbery may take place at your establishment of choice. Now, all it takes is a weak server and an online connection to steal credit card information. Hacking is a real danger and it happens because of technology.

As tech has advanced, savvy thieves have come up with ways to use it to their advantage. Phishing scams evolved as email became one of the most popular ways to communicate, for instance. Where there is a way, there is a way for these people.

The trick is to be wary at all times. Buy quality antivirus and firewall programs to keep hackers at bay. Also, never follow links from emails. Type the URL manually to be sure.

Contentedness

No one is content with their lot any longer. There is always something bigger and better. Homeowners are terrible for this because it’s essential to keep up with the Joneses. Forget that it’s a never ending cycle – it has to be done!

As a result, houses are full of stuff that finishes their lives as junk. Blenders and slow cookers and the next new-age, must-have products go to the goodwill store or get thrown in the trash.

Not buying them, in the beginning, can save a homeowner a small fortune. Then, the money can be spent on things such as staying out of debt. What a novel idea.


Is technology encouraging you to live beyond your means? 

Friday, July 6, 2018

Bad Habits That Are Leading You Into Debt





Debt sucks! You probably don’t need us to tell you that fact, but as a warning, some of the consequences of debt include…

- The effects on your mental and emotional state
- The loss of financial freedom
- A poor credit score
- Possible repossession of material things, and even bankruptcy

Depressing, isn’t it! Now, there are things you can do to get out of debt if you have fallen into the trap. You can…

- Start to budget your money properly
- Come to an agreement with your debtors
- Seek help from a debt-relief charity
- Use credit restoration services

However, while there are ways to help yourself should you fall into the pit of debt, you should still make every effort not to get into a financially rocky position in the first place. To ensure you feel financially secure, look at the following habits that could lead you into debt, and make every effort to avoid them.


                                                    Avoid these bad habits


  • Not having an emergency fund. Set aside some money each month, just in case you fall into difficulty. You never know when an emergency will happen - your car breaks down, you lose your job, your home needs sudden repairs - and if you don’t have the money to deal with them, you may be forced to take out a loan to manage the problem.
  • Spending more than you earn. You need to live within your means - not spending more money each month than you can afford. Squandering your money is going to lead you into trouble, and using your credit cards to pay for bills when your income can’t cover them, is going to send you over the edge financially. Budget what you have - and if you can’t cover your expenses - look for ways to lower the costs.
  • Making late payments. When you make late payments on bills or credit cards, you are going to cause a bigger headache for yourself. Your credit score will be affected, and you may be hit by higher rates from your creditors. If you know you can’t afford to pay something on time, speak to the company involved as soon as possible, as they may grant you some leeway. Automate your payments too, especially if you are prone to forgetting those all-important payment dates.
  • Not getting insurance. You will never fall ill. Your home will never be burgled. Your car will never get involved in an accident. Poppycock, of course. Never ever think you are safe from harm. You are not infallible, and trouble may be just around the corner. If you are adequately insured, your back will be covered, and certain expenses will be alleviated. If you’re not...say hello to financial misfortune.
  • Procrastinating. Don’t leave it until tomorrow to invest into a retirement fund. Don’t leave it until tomorrow to ask for financial help. Don’t leave it until tomorrow to tear up your credit cards. Don’t leave anything until tomorrow that is going to cause you financial harm in the future. What we are saying is this: sort out your financial well-being today!




If you don’t want to fall into debt, ensure you avoid the bad habits we mentioned. Form good habits instead - spending wisely, budgeting, asking for help - as these will stand you in better stead now and in the future. Take care, and thanks for reading.