Saturday, 18 February 2017

Money Blunders You Need To Avoid

It goes without saying that you need to be pretty good with money when you’re the head of your household. The way you handle your finances will have a huge influence on how comfortable your home life is, how well you can support your children in the future, and how quickly you reach your personal goals. If you’ve never been that good with money and want to turn things around, here are some big mistakes you need to avoid…

Paying Down Debt with Savings
As I’m sure you know from experience, it’s way easier to withdraw money than it is to part with it! It’s simple enough to break into your savings in order to pay down your debt, but rebuilding those savings can be a mountain of a task. With the dark cloud of debt hanging over your head, I’m sure that taking out savings just to get rid of it may seem pretty appealing. You may not feel the sting immediately if you go ahead with this plan, but believe me, a few years down the line, you’ll regret it! Automating your debt payments from your paycheque, or simply being more disciplined with them, is always the better option.
Making Bad Investments
One of the most common ways that people hurt the state of their personal finances is making bad investments. For example, if you were to borrow money in order to pay for a car, you’ve pumped a fair amount of capital into a depreciating asset. The car is going to lose its value over time, and you’ll never fully recover the money you put into it. Sometimes bad investments are much more straightforward and subtle, and can only be recovered through something like a PPI claim. Whatever form they come in, bad investments need to be avoided like the plague! With every big investment you consider, take some time to think about whether or not you really need it, and whether your financial condition allows handling the loan with ease. If it’s absolutely necessary,  in the case of a car or a roof over your head, then you can still help yourself by weighing up your options and choosing the most cost-effective one.

Friday, 17 February 2017

Updates for your Spring wardrobe

It’s official, spring is on its way! Christmas is now a distant memory, and the days are finally getting longer. Before we know it, we’ll be welcoming warmer climes and looking forward to getting out into the garden. If you’re a follower of fashion or your wardrobe is in serious need of a revamp, the arrival of a new season is an ideal time to refresh your look. You don’t have to go wild in the aisles or fill your virtual basket to the rafters. If you’re on a budget, here are some simple ways to update your wardrobe in perfect time for spring.

Modify your palette
In the autumn and winter months, we tend to opt for darker colours and rich shades like black, navy, grey, red and burgundy. As spring creeps ever closer, it’s time to refresh your palette and lighten things up a bit. Pastels always work well in the warmer months, and white is a great option if you have a phobia of brighter tones. If sorbet shades don’t flatter your skin tone, add coloured accessories and accents rather than investing in coloured tops, dresses or jackets. Green was a big hit on the catwalks, and you can choose from a huge range of shades. Go for vivid tones if you’re feeling brave or khaki for a more subtle look.

Switch up your accessories
If you’re bored of layering up and spending half an hour putting hats, scarves, and gloves on before you leave the house, spring brings good news. The warmer weather is a perfect excuse to invest in some new accessories to give your daytime and evening looks that extra lift. If you’re heading out for the night, swap patent clutch bags and matching stilettos for a nude bag and heels, and add some jewels. If you’ve got a very simple top, go for a beaded collar or some statement drop earrings. If you’ve got a printed or patterned top or dress, keep your jewellery very simple. A pair of stud earrings, a plain bangle, or a couple of palladium rings will finish your look off perfectly. Brooches are also an excellent option if you’re looking for something understated to complete a vintage-style outfit.

Happy first birthday, Aria Paisley!

I can't believe it's our sweet baby girl's first birthday today! This year has been the fastest, best and hardest of our lives yet but every single second has been worth it! She has been such a blessing and has completed me and our family in ways she will probably never know.

I'm not going to make this post too long or gushy as I know I will probably do that over on Instagram and in her brithday vlog, but I thought I'd share my favourite pictures of her throughout her first year!

Tuesday, 14 February 2017

3 finishing touches that will make your house a home

Whether you’ve just moved into your property or you’ve been there a while but haven’t quite got around to putting your own stamp on it yet, the following three finishing touches should help you transform it from a house into a proper family home.

1. Perfect your lighting
Why not try a new take on lighting in your property? Simple overheads and the odd lamp or two might serve a practical purpose, but with a little imagination and some more innovative illuminations, you can completely transform the look and feel of the rooms in your home. For example, you could create a cosy ambiance with some gorgeous and practical flameless LED candles or achieve a quirky look with the help of colourful LED furniture. Meanwhile, simply hanging string lights in your bedroom can give the space a magical quality. There’s no shortage of stunning illuminations to try. From subtle lights to statement pieces, you won’t struggle to find designs that suit your interior design style.

2. Showcase your best snaps
You might have loads of snaps featuring everything from your kids to pets and favourite holiday spots. One quick and easy way to put your personal take on a property is to showcase a selection of your best photos. Photo frames are a timeless choice, but why not take things a step further and get large printed canvases of your top shots? This process transforms your pictures into works of art and it’s a great way to inject some colour and individuality into your rooms. As well as images of your loved ones, why not show off your artistic side and display some of your most eye-catching landscape shots? From serene beach scenes to dramatic mountain pics, you might have the perfect images to complement your design scheme.

Monday, 13 February 2017

Valentine's plans!

I can't believe it's Valentine's day this week already.. it feels like Christmas was just the other day! Although I'm not complaining that it's nearly the middle of February already.. the sooner Spring gets here, the better.. I'm so over this cold weather!

Last Valentine's day, I was about to pop.. Aria was born on 17th February 2016, so I was 9 months pregnant & exhausted! I can't believe she will be one years old on Friday, it has been the quickest year of my life!

To be honest, we never really do much for Valentine's day.. we never really have the whole 6 years we've been together... but I feel now we have 2 kids and our time together is limited, we should start celebrating it more. I used to think that it shouldn't be about one day, you should show your love all the time.. and while I still do think that (obviously), I think sometimes when you're busy parents.. you need that kick up the butt in terms of a special 'day' to actually plan something special and spend some quality time together.

It doesn't have to be anything crazy.. just a nice meal, a couple hours out alone at the cinema or some new luxury underwear shows you have made an effort. No doubt we will do a low key night in as it's hard to expect someone to babysit both girls for us, but it can still be special. I've tried really hard to catch up with a lot of work so I can take Tuesday night 'off' and I'm going to cook us a lovely 3 course meal, of our favourite foods and have a candle lit dinner and then watch a film.

It sounds so simple but it's something we never do so hopefully we will both enjoy it.. our first Valentine's as a married couple!

Throwback to Valentine's 2015..



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