Author Archives: lifewithlilred

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About lifewithlilred

Just your average gal blogging an average blog!

Spirit Christmas Haul

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Spirit Christmas Haul

Hello! This past week I took a trip to Spirit Christmas and had a complete blast. Spirit Christmas is basically Spirit Halloween… But Christmas lol and the setup is the same. As soon as you walk in, you are greeted by a walk through of motion activated decor and there is also an area filled to the brim with inflatable lawn decor. And, oh yeah, beaucoup holiday themed T-shirts, costumes, ugly sweaters, stockings, and ornaments. For my holiday OOTD, I had a vision of a Sabrina Carpenter inspired ensemble. The sweater vest below is for my “naughty” OOTD and the T-shirt is for the “nice” version! Check it out:

Prior to visiting Spirit Christmas I was browsing on a few online stores for a holiday OOTD. However, I didn’t make any purchases as I had never bought from them before and wasn’t sure of how the clothes would fit. The last thing I wanted to do was to make last minute returns and exchanges so I decided shopping in store was the best way to go. Although Spirit Christmas had a handful of pre-assembled costumes, they were a bit too basic for my liking. Luckily, they had stand alone options too so I pieced together my OOTD and I am loving it!

The first thing I clocked was the Christmas tree inspired mini skirt and I knew I could work with that. It is just so festive and FUN with that sparkling tinsel and disco ball style ornaments. I cannot wait to twirl and swirl in it and am happy to have it as I have literally no holiday season themed clothing. I think this skirt is the best place to start! The next order of business was finding a top to pair it with. I bypassed the ugly sweaters because they were upwards of seventy dollars and that was way too expensive to justify. That was no matter because who needs an ugly sweater when you have a Step Brothers T-shirt and sweater vest? 😀

In the T-shirt department, I snatched the Step Brothers T as soon as I saw it. It’s literally perfect lol. Step Brothers is one of my all time favorite movies and I all but have it memorized. Nothing says Season’s Greetings like Dale and Brennan sending their well wishes for an activity filled Christmas and it was just what I needed for my “nice” OOTD. For the “naughty” portion, I simply could not say no to the “Santa’s Favorite Ho” sweater vest because LOLOLOL. This little number is so sassy and downright hilarious and it’s going to look amazing with the mini skirt. It’s a Sabrina Carpenter style OOTD Lil Red’s way to the T and I couldn’t ask for anything more. ❤

I cannot wait to show off my naughty and nice OOTDs so stay tuned all holiday season long on lifewithlilred for more fashion fun!

Are you dressing up in a costume for the holidays? Did you get a new outfit to celebrate in? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Car Loans VS Dealership Financing: Which Is Better For You?

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Car Loans VS Dealership Financing: Which Is Better For You?

You usually have two roads to travel down when you want to buy a car:

  • Buy it outright with your own money
  • Seek some sort of financing option

Most people can’t use 100% of their money to buy a car so they go down the financing route, though this also throws a fork in the road:

  • Buy your car using an auto loan
  • Buy your car with dealership financing

Both are very viable options, but which one is better from a personal finance standpoint? Let’s take a closer look at them and see how they compare:

A car loan is one of the most straightforward auto financing options available. You approach a lender, apply for a loan, and receive enough money to cover the full cost of your purchase. Deposits/down payments are required – and this is usually a secured loan, meaning the car itself is collateral. In essence, if you fail to repay the loan, the lender can repossess your vehicle.

A very simple idea that comes with some massive benefits:

  • You own 100% of the car straight away
  • Car loans tend to come with lower interest rates, making them less costly
  • You gain the flexibility to buy your car from any dealership or brand

There are only a couple of downsides to a car loan, particularly when compared with regular dealership financing. It normally requires more effort to find a suitable lender and apply for your loan – and lenders are strict when it comes to accepting applications. Still, if you’ve got a great credit history, then there’s no need to worry about approval.

With dealership financing, you normally approach a car dealer and buy a vehicle from them, using their financing product. You pay a deposit, and then the dealer charges monthly payments based on the vehicle’s value and how much you already paid. The interesting thing here is that you’re normally locked into a 1-4 year deal. When your term ends, you either pay a balloon payment to own the car or take out a new deal on a new vehicle.

Dealership financing is popular for a couple of key reasons:

  • It’s fast and easy to set up
  • You normally get better deals than buying a car outright with a loan
  • It’s easily accessible
  • You can cycle through brand-new cars every few years

However, the main downside is that you do not own your car. The dealer will retain a majority share of your vehicle unless you pay the balloon payment at the end. This means you lack any flexibility when it comes to modifying your vehicle – and you’re also often forced to go to specific garages for servicing.

Speaking from a strictly financial standpoint, car loans are the better choice. You have lower interest rates, gain ownership of the vehicle right away, and have a longer term to split your repayments, making them more manageable. Truthfully, dealership financing only makes sense if you like cars and want to buy a new one every few years.

If you’re on the market for a new car, explore your financial options carefully and don’t rush into a decision you’re not fully comfortable with!

Featured Image By: Unsplash

New Hair, Who Dis?

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New Hair, Who Dis?

Hello! Due to a stint with Covid, I had to cancel my hair appointment and was blessed by my stylist who squeezed me in this past Saturday. Anna opened up The Shear Shop just for me on her birthday, no less, and we had the best time spending the day together while she created hair magic. Whenever Anna does my hair, I always say that it’s the best style yet. However, I REALLY think we are onto something with this new do. We went dark for winter and I am in absolute love. Check it out:

Pulp Riot Colors Used:

Pyro mixed with Fireball

Absinthe

Nightfall

To begin creating this look, we bleached my hair for about twenty minutes and it did the trick perfectly. All of the old color was stripped from my hair and what remained was the lightest lemon hue and a bit of green around the ends. This was no matter, though, as our experiment into the world of green hair would take place on the bottom layer. Once my hair was washed and dried from the bleach was when the fun part starts – painting on the color! 😀

For my Pulp Riot palette, we went with Pyro mixed with Fireball at the roots, a layer of navy Nightfall, and a layer of deep emerald green Absinthe. Anna and I have tested many a color at my roots but we have never had better regrowth than with Pyro and Fireball, which masks the incoming natural brown hair like a charm. From the red would melt into rich and bold navy and emerald and we were chomping at the bit to see the end result. We just had a feeling it was going to be good and was it ever!

This color combo is everything and we were blown away by the dimension of the Pulp Riot dyes. We only used three colors but it sure doesn’t look that way. There is a kaleidoscope going on! The red and blue near the roots mixed into purple, there are swirling teals, aquatic blues, and jewel toned greens that created a full fledged peacock palette. My favorite animal! I could not wait to take pictures as soon as I got home and I loved seeing the falling snow against the gemstone magic that my genius stylist and I dreamed up. ❤

This is the darkest I have ever gone before for my hair and my only regret is not doing it sooner. I feel completely fabulous and, as always, Anna continues to showcase the true mastery of her craft. I am so beyond thankful for her! ❤

How often do you get your hair done? What brand of dye do you use? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Lil Red’s Book Club: The Inmate By Freida McFadden Edition

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Lil Red’s Book Club: The Inmate By Freida McFadden Edition

Hello everyone and welcome to a brand new edition of Lil Red’s Book Club! In a spoiler free setting, as always, we are going to be discussing another Frieda McFadden thriller called The Inmate. This is the second McFadden book I have read in a row and like its predecessor and all those that came before it, The Inmate was very average. However, it was a quick read and Freida McFadden is the author I turn to when I want a twisty tale that can be read in a sitting or two. Before we begin, I will be placing a trigger warning on The Inmate for general violence. Now, let’s get to it:

Brooke has returned to her hometown called Raker with her son, Josh, to live in her recently deceased parents’ home. After horrible bullying at his old school, Brooke thinks Josh needs a fresh start although a new beginning for him means going back into her past. Brooke is the survivor of a terrible string of murders and Josh’s father is none other than the perpetrator. Her parents all but disowned her after deciding to keep the baby and they barely communicated since. Before this all took place, however, the small town she grew up in was a happy place and she hopes the same for Josh.

Prior to the move, Brooke applied as a nurse practitioner to every medical facility in the area and received no calls back… Except from Raker Penitentiary. This was her last resort option and now her only option. She accepts the job and crosses her fingers that her former boyfriend and Josh’s father, Shane, will never end up as one of her patients. Of course, it was bound to happen and Shane ends up in the exam room for stitches on her very first day. She does her job, tries not to notice how good he still looks, heeds the warning from her colleagues that Shane is a “manipulative” person, and sends him on his way.

Shane is not the only ghost from her past that she encounters upon her return to Raker. There is Tim, her next door neighbor, first best friend, and was an attendant at the party in their teens that turned deadly. He is the assistant principal at Josh’s school, has turned into quite the looker, and is still as madly in love with Brooke now as he was back in the day. After a few dates, Tim becomes a staple in their household and Josh adores spending time with him. Life is teetering on being actually good and Brooke could get used to this, if she could just keep her racing thoughts out of her head.

Brooke feels like she is missing something from the night of the murders. A critical piece of information that might make Shane innocent after all. There is something suspicious about Tim and as Brooke removes Shane’s stitches at work, he claims that it was not him but her new boyfriend who committed the crimes. Did Brooke really put an innocent man in prison with her testimony? If she did, she needs to make it right but whodoneit? Her first love and the father of her son or her new flame? Read The Inmate to find out!

I like to fancy myself an amateur detective and every twist that occurred in The Inmate was seen from a thousand miles away. Do I like when this happens? Not necessarily although I like to pat myself on the back lol. I prefer to be surprised and there were no real surprises to The Inmate… until the final twist. And, the final twist is always where my problem lies with Freida McFadden books. The shockers leading up to the grand reveal are so transparent and when the reveal happens it’s so out of left field that it barely makes sense. That was very much the case with The Inmate. BAM here’s what happened and now the story is over. In a way, this feels like a cop out on McFadden’s part. To write an entire book, throw some random ending in, and then just be done. It explains why I always feel unsatisfied after finishing her thrillers!

My other qualm with The Inmate and Freida McFadden books in general are the characters. They are all so simple with nothing special about them and it makes it hard to feel anything for them. The characters in The Inmate felt wildly underdeveloped and it almost read like a first draft rather than completed product. In a crazy thriller scenario, the characters were dull and the sense of urgency of a potentially innocent man in prison was nonexistent. The Inmate was an alright story but it felt so incomplete and, therefore, I was unimpressed.

Overall, I am going to rate The Inmate with a four out of ten stars. This was not McFadden’s best and I would not recommend this one!

What is your favorite Freida McFadden book? What should I read next? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

All’s Well That Ends Well

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All’s Well That Ends Well

Hello! On the Friday of the first week of December Johnny and I tested positive for Covid after an exposure at his work. It was truly the best case scenario because we both felt perfectly fine and spent four days at home vegging out. As much as we love a solid hang session at home, it was a massive bummer. My holiday hair appointment had to be cancelled as well as my Christmas get together with my bestie girl. Johnny, on the other hand, had to miss out on Spamalot at Playhouse Square and was devastated. Naturally we got Covid on the weekend that we were actually doing stuff!

In my extensive tenure (Over twenty years!) of getting my hair done by my stylist, Anna, I cannot recall ever having to cancel an appointment. I was so sad because I really was looking forward to seeing her and having brand new hair for the holidays. I had come to terms with the fact that this was more than likely not going to happen. Even though Anna said that she would see what she could do, I knew the schedule at the salon was jam packed and that was okay. I would get my locks refreshed eventually and it would be glorious. ❤

When I returned back to work on Tuesday, I texted Anna to let her know I was negative and she sent me the most beautiful reply. She asked if I would like to spend her birthday with her at the salon on Saturday morning. Would I ever! You guys, I was so genuinely touched by this that it made me tear up. Anna has been doing my hair since I was seven years old and I am thirty-one now. She is the dearest friend and has literally watched me grow up. I would never expect her to make exceptions for me or overwork herself to squeeze me in before the holidays. The fact that she found a way to make it work was such a gift to me and I can’t wait to celebrate her! (Note – I am typing this the day before my appointment!)

Anna always knows how to make me feel special and this particular instance really took the cake. So, of course, I had to go to TJMaxx and pick out a pretty little something for her big day. It pales in comparison for all she has done for me, though. Anna isn’t just my stylist, she is one of my favorite people in the world. When I’m in her chair, I can tell her anything and have always put her as big sister status in my head. She has the most amazing way of making people feel beautiful inside and out and after my hair appointments I feel like my best self. She brings it out of me and I am so excited to show all of you my new do. 😀

My holiday wish for great hair came true by Anna and I only wish that Johnny could have seen Spamalot for a true All’s Well That Ends Well ending. But, hey, it’s close enough!

How long has your stylist been doing your hair? Did you get your hair done for the holidays? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Homemade Holiday Gifts

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Homemade Holiday Gifts

Howdy everyone and welcome to the last gift guide for the holiday season! Throughout the month we have been discussing gifting options for everyone on your list and today we are going to explore the world of homemade gifts. We are down to the wire for holiday shopping but fear not! These homemade prezzies will not be time consuming to create while still being incredibly thoughtful. Let’s get to it:

I gave my niece a photo album of all of our pictures together for her birthday this year and she absolutely loved it. If you have a cache of photos with your bestie, mom, or anyone on your list – use them! A homemade photo album is as easy as printing them out at the drugstore, purchasing an album, and filling the pages. You can keep the album simple with just photos or jazz it up with scrapbooking supplies or little notes about when the picture was taken. However you do it, a photo album is a gift that will always be treasured.

Local screen printing shops have a very speedy turnaround meaning that custom clothing, office supplies, or sports gear is just a visit away. Bonus points because you’re supporting small businesses! How about a custom mug with the logo of your giftee’s business? A silly slogan tee for your brother? A jersey with your favorite sports enthusiast’s last name on the back? All of this is possible so if this idea speaks to you, head to the printing shop ASAP to ensure your gift is ready on time!

If there is a nature lover on your list, you could make them their own terrarium or fairy garden. Small plants and succulents and potting soil will be available at a store like Lowe’s and the rest can more than likely all be purchased from a craft store. You can go classic with a terrarium filled with pretty pebbles or pond stones or go creative with a fairy garden filled with tiny details and hidden surprises. This gift combines the great outdoors with unique home decor for a one of a kind gift.

Mason jars tied with pretty ribbon and filled with the ingredients to make cookies, soup, or bread is a gift that can be made in an afternoon after a trip to the grocery store. Tasty, thoughtful, practical, and so super easy – this is a perfect last minute homemade gift. If you want to add more to this prezzie, you could include a gift card to a local bakery so your giftee can enjoy a freshly made baguette with their soup. Or perhaps you can give a cookie sheet or bread pan along with the ingredients so your giftee can continue creating bakery magic.

If you are gifted in the art of graphic design, then gift it! Maybe you will make business cards for your cousin? Draw up that tattoo that your partner really wants? If you have giftees in a band you could design posters for their next show! If you don’t have the time to design for everyone on your list, that’s a-okay! You can schedule a lunch to sit down and discuss what they would like and the visions they have. Amazing art never goes out of style and your giftees will have something that no one else in the world will have. That’s way cool!

Homemade gifts don’t need to be a month long project. These ideas are as easy as a trip to the store!

Are you skilled in any mediums of art? What is the best homemade gift you have ever received? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Feed The Birds

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Feed The Birds

Hello! For as long as I can remember, my dad has had a fondness for filling the bird feeders in our yard every morning. Rain, snow, sleet, or hail he is out there being a modern day Saint Francis and is essentially the Postal Service of bird feeding. We all have a morning routine and this is his and I think it is truly awesome. My dad loves nature and takes time every day to appreciate and nurture it and that is something that we can all learn from. To take the time out of your day to do an activity you really enjoy. Once the bird feeders have been filled, we simply sit back and enjoy my dad’s good deed because nature puts on a show afterwards!

Before my dad has even stepped foot inside after his morning routine is complete, a full fledged feeding frenzy follows and we can see it all perfectly. My dad has expertly placed the feeders so we have a view of them from the windows and we love to bird watch together. Not only does my dad care for these birds but he knows so much about them too. He is always teaching me the names of unfamiliar ones and tailors the bird food options specific to the native birds in the area as well as the ones that have visited briefly and he would like to see again. It’s fascinating to listen to as we gaze out of the nature window in awe.

It’s exciting to see the guests that come to the feeders but my favorite has always been the Cardinal. My mom always says that when you see a red bird, then it’s a good day and I think of that sentiment every time I see one. And, although I am not a fan of winter, there is nothing better than seeing a beautiful Cardinal against the freshly fallen snow. We have also recently had several species of Woodpeckers stop by and they are so striking too! There have been at least three different kinds and my dad has told me all of the names before but I may or may not have forgotten. That’s okay, though, because I know my dad will bring me back up to speed the next time we take a peek through the nature window together. ❤

No matter the weather, my dad’s happiest place to be is in the yard tending to his plants and wildlife friends. He is best wildlife warrior around!

What is your favorite outdoor activity? Do you have bird feeders in your yard? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Tech Gift Ideas

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Tech Gift Ideas

Hi hi! Another gift guide? Coming right up! Everyone uses technology every single day of their lives, making tech gifts an extremely viable option for holiday shopping. This is an easy category to overlook as we often think of technology as being expensive. That isn’t always the case so let’s explore a few gifting options that will be gentle on the wallet while still delighting your giftee:

Literally every app has some type of Plus or Premium membership to purchase. If your giftee is using an app every day and maintaining a strong streak, this could be a great way to go. I personally know that this makes an awesome gift because Johnny got me a membership to Duolingo Plus for a year a few Christmases ago and I was ecstatic! Not only do these subscriptions get rid of annoying ads but it unlocks content you can’t use without it. It will make their app experience even better!

Phone cases, charms, screen protectors, earbuds, chargers, tripods, and ring lights are all handy gifts that can be used immediately. Your content creator friend (Like me!) will be thrilled with some shiny new equipment as much as your friend who is constantly losing their phone charger will love a backup. This sentiment is especially true for yours truly as our bunnies once pulled a Houdini and chewed through our phone charger! New earbuds will be ideal for your gym bunny bestie. Simple, practical, done and done.

At this day and age, who doesn’t have at least one streaming service? We have several so I say the more the merrier! A month subscription to a new streaming service or one your giftee already has can either save them some moolah or introduce them to a brand new favorite show. If there is a show on a service that they would love to watch without the commitment of signing up, this is your sign. I definitely feel that way about a subscription to Apple TV!

We’re not talking the kind from the library – we’re talking EReaders and audio books! If you have a literature enthusiast on your list who prefers to read their Kindle or listen to a book on the way to work, why not throw some credits their way? Reading more is such a popular New Year’s Resolution so you can help them achieve their goals or just indulge in their favorite hobby. No matter how you read, there is nothing better than a good book on a cold winter day. Add a big mug and some teabags or K-pods to create a perfect afternoon.

Got a gamer to gift for? How about some gift cards for the Nintendo Switch or PlayStation if you aren’t sure of a new game they would love? Don’t forget to explore accessory options like new controllers, a headset, or travel cases. You could also go the experience gift route like a night at an arcade bar or a trip to a VR cafe. Game on!

These tech gifts won’t break the bank but they will for sure make your giftee break out in a smile!

What is on your Christmas list? Do you have anyone that is difficult to gift for? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Stocking Stuffer Gift Ideas

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Stocking Stuffer Gift Ideas

Hello! I may be a Halloween girl through and through but there is something about Christmas that just hits different. My suspicion? Because I love to shop even when it’s not for myself lol. I pride myself on being an excellent gift giver and revel in the process of finding that perfect something for everyone on my list. The hard part is waiting for months on end to give it to them! As you wrap up your own holiday shopping, let’s take a look at some small prezzies to put in your stockings and hang above the mantel with care:

If you have a family of brick enthusiasts, why not add a small Lego kit to the stocking? Lego has a ton of tiny holiday themed sets to choose from including Santa, snowmen, Mini Fig Advent calendars and more. Once your gifts are unwrapped, you can assemble them together and make your own holiday scene. For extra creative fun, you could give a bag of assorted Lego bricks and have everyone do a brainstorm build with the pieces they have. You can create categories like best ornament or best decorated snowman and give prizes or just bragging rights!

Candy is such a classic stocking stuffer but let’s kick it old school. 😀 Current candy? Been there done that. Retro candy? Always fun to taste test! We’re talking candy buttons, Zott’s, candy necklaces, Pop Rocks, and all of that sweet sugary goodness. This blast from the past approach will delight kiddos and adults alike and gives a twist on the same old. Bonus points if you have a local candy shop in your neck of the woods to support.

While a care package for your adult children might not necessarily fit in a stocking, the sentiment remains. I have always loved the idea of the adult Easter baskets filled with cleaning supplies and that can easily translate to Christmas. A few rolls of toilet paper, paper towel, bathroom and kitchen cleaner, and Magic Erasers are all great options. Although this is not the most exciting gift, it sure is practical and one that I would love to receive. Toilet paper is low on my list of things I like to shop for for myself lolol.

Everyone needs a bevvie to sip on during gift exchanges. Cue the stocking stuffer! You can provide specialty sodas or juice for the kiddos and airplane bottles of booze, mini wine bottles, or mocktail cans for the adults. Add in a bag of popcorn, trail mix, or mixed nuts to nosh on and you have a perfect snack to tide everyone over until dinnertime.

Countless stores have a section specifically for travel size beauty and basic care items so hit it up! Bath & Body Works is an excellent place to start with as they offer both men and women’s travel size items and are always on promotion. A hand sanitizer, body wash, and lotion in a compact size is just right for filling those stockings and keeping everyone smelling and feeling fresh to death. 😀

Stocking stuffers are the opportunity to have some fun with add on gifts. Hope the ideas above can help! ❤

Do you hang stockings at home? What are some of your stocking stuffer ideas? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Can You Truly Be Prepared For A Financial Emergency?

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Can You Truly Be Prepared For A Financial Emergency?

Financial emergencies can strike any of us at any time. Whether it’s due to a personal injury, an incident on the road, or a sudden major household cost we can find ourselves scrambling to get our finances in order and to avoid falling into debt any more than we need to. Today we’re going to look at some of the preparations you can put in place to make sure that you’re better able to handle those emergency costs when they do arise:

The best way to prepare for an emergency is to make sure that you have some safeguards in place well in advance. First and foremost, put together a savings goal to establish an emergency fund. These should typically cover three to six months of essential expenses, including housing costs, groceries, transport, and other non-negotiables. That way, you can make sure that you have enough of a cushion to get through crises that are as major as even a job loss.

Insurance is often overlooked until a crisis hits, but having the right policies in place can prevent emergencies from becoming financial disasters. Make sure that you’re investing in the essential coverage, such as home or renters’ insurance, health insurance, and car insurance (that covers as much as you need), and consider additional coverage, such as income protection to ensure you’re protected even if you’re put out of work for a while. Keep an eye on your policies, checking them yearly to make sure they cover the most probable issues you might face.

Sometimes, a financial emergency may stem from an event that wasn’t your fault or responsibility. Whether it’s an injury at work or a car accident, having the number of a reputable lawyer can make a big difference. With a personal injury lawyer, for instance, you can make sure that the person responsible for your injury is also made responsible for your medical bills, as well as any money that you might lose as a result of being put out of work. A good lawyer can help you understand your rights, avoid costly mistakes, and navigate insurance claims more effectively, too.

While you typically want to avoid having to borrow in order to deal with sudden expenses, sometimes you might have no other readily available option. Keeping your credit score high can offer a significant advantage, allowing you to utilize loans or credit cards with good interest rates, instead of having to rely on more unreliable sources of funding, like payday loans or secured loans that could lead to much worse financial outcomes and higher interest payments.

Emergency situations are an unfortunate part of life and the best thing you can do is be prepared to face them!

Featured Image By: Pexels