A Myriad Of Money Management Mistakes

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A Myriad Of Money Management Mistakes

It is a fact of life that some people simply don’t manage their money particularly well. If you feel like you are one of these people, there are several things that you can do to change things. First and foremost, you need to work out the mistakes that you are making in the first place. In this article, we are going to take you through just a few of the most common ones so that you can avoid repeating them:

Lifestyle Inflation:

If you get a pay rise, you shouldn’t automatically ‘improve’ your lifestyle by that same percentage. Instead, you can use this extra cash to clear some of your debts, channel money into your savings, or make some sound financial investments. Just because you have the cash doesn’t mean you have to spend it!

Paying Bills Late:

Getting into a habit of paying your bills on time is a positive step that you can make. You can even automate this to happen directly from your bank account so it can be one less financial worry to have every month. The last thing that you want is to incur any additional fees or payments than you already have.

Paying Bank Fees:

Bank fees can come in multiple forms, but most of them are totally avoidable. For example, you should never use an ATM when you are charged an operational fee. Avoid paying late fees on your credit cards by clearing the balance in full every month. Compare bank accounts online to make sure that you are not paying more fees than you need to.

Not Educating Yourself Financially:

With all of the free tools and articles about money out there these days, you have no excuses for not educating yourself financially. You should know all of the different options available to you about where you can best invest your money, as well as information regarding where you can get quick support such as bad credit personal loans with guaranteed approval. Read as widely as you can and you can avoid many common money management mistakes.

Lack Of An Emergency Fund:

Though it may be frustrating to channel some of your paycheck off into an emergency fund every month, you will be very thankful for it once you need it. There are all sorts of life situations out there which could require a great deal of cash such as job loss, medical expenses, car repair, and essential home maintenance. Whenever you make a withdrawal from your emergency funds, make sure that you replace what you have spent as you never know when the next situation may arise.

Not Having a Budget

If you haven’t got any sort of household budget, you have no idea what is coming in and going out of your bank account every month. There are plenty of budgeting apps out there which allow you to clearly track all of your expenses. Otherwise, you can track everything manually along the way.

Now you know some of the most common money management mistakes so that you can avoid making them yourself. Budget wisely and watch your bank account increase over time.

Featured Image By: Pexels

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Valentine’s Day Gifts For Her

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Valentine’s Day Gifts For Her

Bonjour! Valentine’s Day is slowly creeping up and just thinking about all of the people that are shopping for their significant other the day before the holiday is enough to give me anxiety. So, I decided to start the V-Day festivities early on lifewithlilred by doing a gift guide for her today and for him tomorrow.

Of course, flowers and chocolates are a great way to go and I would love to get that. But, if you’re on the hunt for something a bit more unique, try some of these ideas:

First Of All:

Okay guys and gals, a cute card is so necessary for your V-Day haul for your S/O. You may find it cheesy, but 99% of the population will find it sweet as can be. Write a heartfelt letter to your partner and don’t skimp on the romance. We’re talking the moment you knew you were in love, your first date memories, or a list of reasons why you love and admire your special someone. This is a great thing to do any time, but definitely pull out all of the stops this Valentine’s Day, which can be done with something as simple as writing a letter.

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Maybe not that one. ^^^

Gift An Experience:

The weather in February can still be pretty sketchy depending on where you live. But, the great thing about concerts is that, for the most part, they are usually indoors! Who is your honey’s favorite band or singer? AKA who do they constantly annoy you with by playing in the car?! A concert is a great date and you can even make a day of it by exploring the area where the venue is and don’t forget the pre-show dinner or drinks!

Pampering Party:

Everyone loves to pamper themselves in some way shape or form and a sultry V-Day surprise could involve an evening of luxury for your S/O. You can never go wrong with gifting bath and body care products and do be sure to throw in a few candles to light for good measure, as most specialty bath and body stores carry them. And guess what else they typically carry? MASSAGE OIL! Quick… Cue the slow jams:

(As always, I have no rights to this video!)

Ahhhh…. That’s the stuff. So, as I was saying:

Run some bath water and let your BOO (Because I don’t say bae!) pick from an assortment of bath bombs to use. Rose petals and bath oil is just as good, too! Have an array of lotions set out for afterwards and the massage oil handy to give a nice………..

FOOT RUB. 😉

Wine And Paint Night:

Many local establishments and bars host wine and paint nights and they are an absolute ball. Most places will even offer a special picture to paint for Valentine’s Day. This is a fresh and fun take on just going out to dinner and it offers a chance for both of you to show off your creative sides or unlock a talent that you didn’t even know was there.

Still Need Some More Options?

  • Mani/Pedis always go down well
  • A shopping trip to their most loved store
  • Cooking dinner (Don’t forget the wine or champagne!)
  • Taking a ballroom dance class
  • Paint your own pottery places are fun
  • Going to a museum (Art or history buffs will love that!)

And Remember…

The most important thing is doing something thoughtful for your loved one. Being showered with presents is nice, and anyone will agree to that. But, creating a happy and special memory is even better. And, keep in mind, that it is NEVER about how much money you spend, either! Ball on a budget or blow it out of the water, but at the end of the day spending a small fortune doesn’t guarantee a wonderful time.

What are some of your Valentine’s Day date ideas? What is one of your happiest V-Day memories? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Blogging Tips (Since You Asked!)

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Blogging Tips (Since You Asked!)

Hey! Okay, ever since my post about my 2017 stats, I have been receiving a lot of cries for help in the blogging world for tips and tricks. So, today, I thought that I would share the wealth and give some advice for those who want to see more action on their page. The tricks that are seen below have worked wonders for lifewithlilred and I have already seen an increase in my numbers in this month alone. Let’s get to it!

Write, Write, Write:

You can’t have a blog without content and it is SO important that you keep cranking posts out. In 2017, I posted every single day and that gave me the best stats yet in my almost four years of blogging. Can’t commit to daily posts? Then try and create a schedule and stick to it so that your readers will know which days to come back to see something new.

Branch Out:

I always thought that my page would be strictly a beauty and fashion blog, but one will find that they lose inspiration for content very quickly if they limit themselves to just one or two categories of writing. Try giving other styles of writing and different subjects a go and see the spikes in your stats from your spicy new content.

Interact With The Blogging World:

Bloggers won’t bite, I promise. The blogging community is so fantastic, talented, and welcoming. Explore different blogs, make new friends, and gain insight into literally any topic that you can imagine. I have made countless amazing friends through lifewithlilred and that’s what is most important to me, always. The extra exposure that you can get from interacting with others is just another sweet added bonus of the blogosphere.

Social Media Is Your Friend:

If you have a ton of Facebook friends or followers on Twitter and Instagram, then why not share your blog on your social media? My URL for lifewithlilred is the first thing that people see when they find my personal Facebook page. I never am spammy about my posts or anything like that, but my URL is there for those that want to explore my blog further.

If you have a specific likeable page for your blog on social media, that’s great. I have one, myself, but I pick my battles and I chose to spend more time on my actual WordPress blog rather than trying to get more people to like my lifewithlilred Facebook page. Be picky about what you put your time and energy into and make sure that what you choose is what would benefit your blog the most.

In Conclusion:

Admit it, when you started blogging you thought that it would be a piece of cake. You also might have been a bit shocked to find out that it’s not in the slightest. Blogging is hard work that you really have to dedicate yourself to if you want to see results. Not only that, but it’s a little bit of luck, as well. But, with the tips above, you can make the odds of seeing the fruits of your labor flourish turn more in your favor. Good luck!

What are your blogging tips and tricks? What are your goals for your blog? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: Pinterest

Therapy Update (Since You Asked!)

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Therapy Update (Since You Asked!)

Hellooo! So I’ve gotten quite a few requests for a follow up post about my journey that I started a month or so ago when I chose to go back to therapy. So, here it is! I’ll tell you what, the first few weeks were hard with a capital H-A-R-D. I forgot about the whole therapy process of feeling like utter shit after unearthing painful memories. So, for about three or so weeks, I was a hot mess. I was extremely depressed, mentally and physically exhausted, and retreating to old not so good habits.

But then, the hour long appointments began getting easier and I was even starting to enjoy going to them. First of all, I freaking love my therapist. She is so kind and easy to talk to AND she laughs at all of my bad jokes, which is a wonderful added bonus. On our first session together, she taught me about the importance of deep breathing when I am feeling stressed, upset, or overwhelmed and I employ that skill often now. It’s crazy how something that we don’t even think about, like breathing, can make you feel so much better and clear headed once you take a moment to pause and take a good, deep breath.

My therapist has also helped me with changing my thought patterns, because I tend to have an “it’s the end of the world” mind frame when something goes wrong, so we have worked on addressing that. It’s so nice to have a safe place to go and express my feelings and troubles every week with no judgement or backlash. I look forward to my therapy sessions and am proud of the progress that I have made thus far.

How do you do something good for your mental health? How do you calm yourself when you are upset? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Walgreens Haul

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Walgreens Haul

Hi!! So a couple of days ago I got an email saying that Walgreens was doing a freebie bag similar to the one I got previously with a twenty dollar online purchase. I needed to buy more hair dye, anyways, and Walgreens is the only place that carries my beloved Vidal Sassoon shade, so I figured why not. I purchased four boxes of dye to last me until May and got this awesome freebie bag along with it (On top of free shipping and two dollars off from my rewards card!). Check it out:

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There was an amazing amount of goodies in my bag including:

  • Coupons
  • Vitamin/Probiotic samples
  • Lotion/Moisturizer samples
  • Colgate Optic White tooth paste
  • Two Aquaphor lotion sprays
  • CeraVe moisturizer
  • Clean & Clear cleanser
  • Aveeno cleanser
  • CeraVe lotion
  • Gold Bond lotion
  • Pantene volumizing foam
  • La Roche Posay healing balm

It was such fun going through my bag and picking out the items that I wanted and then sharing the wealth with my family for the products that I was not interested in. I spent a grand total of forty dollars for my dye and got so much more in return along with it. I freaking love these Walgreens grab bags and I hope that they are doing another one the next time that I need to restock my hair dye!

Which stores give the best freebies? Are there any beauty products that you stock pile? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: Walgreens

Bath Bomb Blitz: Xmas Gift Pt. 2 Edition

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Bath Bomb Blitz: Xmas Gift Pt. 2 Edition

Howdy! Today we are going to talk about the other bath bomb that my BFF gifted me for Christmas. It was a lovely purple and pink one with a Jasmine Rose scent. Although I am not big on either fragrance, this bath bomb was super pleasant to use and I LOVED the color that it made the bath water. And the dried rose petals were definitely a luxurious added bonus! Take a look and let’s discuss:

roserose1rose3rose4rose5rose6

Even though the Cran Orange bath bomb from yesterday’s post was fun, I think that I like the Jasmine Rose one better. I didn’t get any hints of Jasmine at all when I put the bath bomb in the water, it just gave off this soft floral scent that was really pretty. Speaking of pretty, the lavender hue that my water turned into looked so gorgeous and I loved seeing the rose petals and pink glitter swirling around. It made me feel so lux and pampered!

I officially have no more bath bombs to use and now I am craving going to Lush something fierce! Taking baths is one of my favorite ways to relax and bath bombs just add to the R&R in the best way possible. I never thought that I would find myself wanting to go to Lush so badly, but here we are now, and some of their bath bombs sound like the perfect way to treat myself. 😀

What is your favorite Lush product? How do you make your bath time luxurious? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

How Should You Deal With Your Anxiety Problems?

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How Should You Deal With Your Anxiety Problems?

Are you noticing some of the symptoms of anxiety, such as panic, uneasiness, sleep problems, or an inability to stay calm? You might not even have realized that the problems you’re experiencing are to do with an anxiety issue. But you need to take action sooner rather than later if you are showing signs of anxiety. Symptoms tend to increase and get worse over time if you don’t take action, but how should you deal with the problem?

There are many different ways in which you can tackle anxiety head-on and rid yourself of the problem once and for all. Now is the time to look into the concrete steps that are worth taking, so read on to learn more about them:

Work on Controlling Your Breathing:

The first thing you can do is get better at controlling your breathing, and even though this might sound like a relatively small and minor thing, it actually has a pretty big impact on your life and the way you handle your anxiety. Once you’ve mastered your breathing and become able to control it in whatever way you want to, you will be able to cancel out the worst symptoms that are associated with anxiety. Of course, it’s not a one size fits all fix to anxiety problems, but it’s certainly a very good place to start.

Get Into the Habit of Talking About Things:

Sometimes, talking about your problems and how you’re feeling can be all you need in order to get back on track and take control once more. At the very least, you will find that by getting into the habit of talking about what you’re feeling, you will feel like that problem is less of a burden. Even though it sounds like the simplest thing in the world, talking about problems and deeply personal things like this can be incredibly difficult and hard to do. It’s something that you will have to work hard at and lean on your loved ones. They’ll be helpful and understanding.

Try to Live in the Moment:

Living in the moment is more than just another cliche that gets thrown around a lot. You need to remember just how influential the power of your mentality is. If you can look at your life and the way you experience it in the right way, it can help you to live in the moment and stop focusing on your worries and concerns. That’s a big part of what causes someone to experience difficulties with anxiety, so make sure you start making more of a conscious effort to live in the moment each day of the week.

Consider Cognitive Behavioral Therapy:

Forms of therapy are known to help people who are struggling with problems relating to anxiety. Therapy is believed to be the best and most successful form of treatment for people with anxiety problems, and the most common among them is cognitive behavioural therapy. It’s about working through your problems and finding practical ways in which to respond to them. That will mean that your behaviors will change and improve when anxiety strikes, and that should help you stop the symptoms and stay in complete control. As long as you collaborate with a professional on this, the results should be great.

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 Pixabay Image

Talk to Your Doctor About Medication Options:

Medication is an option for people who are struggling with anxiety issues, and there are many of them out there. Many people are scared by the idea of taking medication for anxiety issues, but there are options that will help without causing any harm. If you’ve consulted with your doctor and can make arrangements, even things like medical marijuana delivery are worth considering. Anything that helps to reduce your anxiety without putting your body at risk is worth thinking about. Let your doctor guide you and make an informed decision before doing anything with regards to medication.

Mindfulness and Applied Relaxation:

Mindfulness is a technique that can be used to ensure that your anxiety is dealt with at its root. You will find that when you’re more aware of your mental processes and when you’re mindful of your actions and surroundings, your anxiety symptoms can be mitigated. Applied relaxation is another similar technique that is often used to treat anxiety problems. It’s all about making a conscious effort to relax and find time to dedicate to that. It’s something that most people don’t do in the course of their every day lives, but you should make yourself an exception to that rule.

Understand Your Triggers:

Everyone has their own triggers, and these can sometimes have an impact on how your anxiety affects you. For some people, certain social situations can cause anxiety. When you understand when your anxiety is likely to strike, you work on preparing for that and finding ways to control and treat your anxiety better. However, it’s not about avoiding situations in which your anxiety causes you problems because that’s not going to help you overcome them and move forward in life. Sometimes, confronting and dealing with your problems is necessary.

Don’t Give Up if These Options Don’t Work For You:

Even if none of the things we’ve talked about above work for you, you still shouldn’t give up because it’s not the end of the world. There are so many other treatments and options out there, and you should discuss them with your doctor. Mental health problems are now taken more seriously than ever before, so you will get help if you’re willing to ask for it.

Anxiety is a mental health problem that affects a lot of people, and it emerges for a variety of different reasons. Taking action is essential because the problem will only intensify if you ignore it or accept it. Getting past your anxiety problem is more than possible; you just need to take action as soon as possible.

Featured Image By: Pixabay