Category Archives: For Your Information

The Magic Of Koselig

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The Magic Of Koselig

Hi everyone and welcome to a guest post brought to you by my friend, Christina, over at Stiina Marie! As a reader of my page, Christina knows that I have a fondness for learning new languages and, today, she is going to teach all of us about the Norwegian term called “koselig”. Read on to find out more!

The Magic Of Koselig

Warm light from candles, a cold breeze, and rustling leaves as you scoop up some stew your friend just made. You take a sip of some beer and talk with your friends about everything and anything. A fire is lit and you hang out well into the night. You get drunk, forgetting that the weather is not so great – or is it? This is Norwegian Koselig.

The more popular sister to Koselig is Hygge from Denmark.“While there’s no one English word to describe hygge, several can be used interchangeably to describe the idea of hygge such as coziness, charm, happiness, contentedness, security, familiarity, comfort, reassurance, kinship, and simpleness” says hyggehouse.com. Let’s describe it better in pictures:

koseligkoselig1koselig2koselig3koselig4

Thank you lifewithlilred for allowing me to post about my beloved Norway! Learn more about me and my new life in Norway by following my blog: Stiina Marie. Next time we will learn Koselig words in Norwegian! Any questions? Comment below!

Is there a word or phrase in your country similar to koselig? What is fall like in your country? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

 

All Autumn Everything Guest Bloggers Series Reminder

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All Autumn Everything Guest Bloggers Series Reminder

Hello!! I just wanted to send out a friendly reminder that guest bloggers for my All Autumn Everything series are still welcome to participate! If you want to be featured on my page for the day with a fall themed post, do email me at sarah.mush6794@gmail.com with some ideas. It will be a fall fiesta and a lot of fun so don’t be afraid to reach out! 🙂

All Autumn Everything Guest Bloggers Series

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All Autumn Everything Guest Bloggers Series

lifewithlilred's avatarlifewithlilred

Hello everyone and happy weekend! With the fall season fast approaching, it seems like the perfect time to make a call for action for lifewithlilred’s All Autumn Everything Guest Bloggers Series! All are welcome to participate in this autumn extravaganza and if you are interested in being featured on my page, then please contact me at sarah.mush6794@gmail.com with your information and your topic ideas for a post.

These guest posts can range from fall fashion and favorite cold weather recipes to DIY crafts and autumn inspired eye makeup. I am not picky, so feel free to bring me any and all ideas and I can’t wait to hear from all of you soon! Much love. -Sarah

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All Autumn Everything Guest Bloggers Series

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All Autumn Everything Guest Bloggers Series

Hello everyone and happy weekend! With the fall season fast approaching, it seems like the perfect time to make a call for action for lifewithlilred’s All Autumn Everything Guest Bloggers Series! All are welcome to participate in this autumn extravaganza and if you are interested in being featured on my page, then please contact me at sarah.mush6794@gmail.com with your information and your topic ideas for a post.

These guest posts can range from fall fashion and favorite cold weather recipes to DIY crafts and autumn inspired eye makeup. I am not picky, so feel free to bring me any and all ideas and I can’t wait to hear from all of you soon! Much love. -Sarah

Making Big Purchases Possible Even If You Are In Debt

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Making Big Purchases Possible Even If You Are In Debt

In late 2017, Americans had an all-time high outstanding debt total of $13.1 trillion. Experts also estimate that “student loan balances soared by 146%” in the last 10 years, and that roughly 80% of Americans are in debt. If you are one of the millions of people who find themselves under a mountain of student loan, credit card, or personal loan debt, you’re not alone. As a result of the level of debt that most individuals carry, many are delaying the process of making big life purchases (e.g. homes, cars). However, there are many instances in which big purchases are not completely avoidable.

Need to make a big purchase while in debt? Explore three expert strategies to make your goals a reality:

Figure out where your money is going:

Having a large amount of debt doesn’t mean that you can’t make big purchases. Although you have to be more strategic in your approach, there is almost always a way to find the funds you need. The first (and most crucial) step that you should take, is to find out where your money is going. In other words, it’s time to create a budget (if you haven’t done so already). One study recently revealed that “only 41% of Americans use a budget.” While many people see a budget as something that is restrictive, it will actually show you how much money you have leftover after paying your bills. This enables you to know how much money you have to put aside toward your big purchase.

Make a savings plan (if possible):

The best strategy for making a big purchase while in debt is to not add more of it. Rather than applying for another credit card or loan right away, see what you can do to save up for the item that you need. Since you’ve already made a budget, you should know exactly how much you can set aside each week. If your finances and timing allow, create a savings goal and an estimated date for when you plan to reasonably reach that milestone. Depending on the urgency of the big purchase you’ll be making, see how long you can go without in order to avoid further debt.

Quickly clean up your credit if you will need financing:

Need to make a big purchase right away? Whether you have to find a replacement car or appliance, you may not be able to pay off all of your existing debt before going into more debt. What should you do if this is the case? Prior to making the purchase, do whatever you can to quickly clean up your credit. Experts recommend paying down your revolving credit balances as much as possible, looking for and disputing any errors on your credit report, and continuing to make all payments on time. Any boost to your credit score (and reduction of your current debt) will give you the best chance of getting approved for a new loan, and for receiving a low interest rate.

Although it can seem daunting, making a big purchase while in debt is possible. Utilizing the tips listed above will help you reduce the impact to your current financial situation, and assist you in achieving your goal.

Featured Image By: Unsplash

How To Borrow Money For Home Improvements

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How To Borrow Money For Home Improvements

Giving your home a makeover can be incredibly expensive and, if you don’t have the cash in the bank, you might have to make do with it as it is. But, making improvements to your home is an investment, because it increases the value of the house and you’ll get that money back if you eventually decide to sell it. That’s why it’s not a bad idea to borrow money to make those changes around the house. However, you’ve got to be careful, because if you don’t borrow sensibly, you could end up in serious financial trouble. If you want to invest in your home and make some improvements, here’s how to safely borrow the money to do it:

Sort Your Credit:

Your credit score tells lenders how sensible you are with your money and they’ll use it to decide on the interest rate that they’re willing to offer you on a loan, if they’re willing to give you one at all. If you’ve got a poor credit score, you’re going to be paying a lot more to borrow money. That’s why you need to sort out your credit score before you try to find a loan to make home improvements.

Request a credit report and look over it carefully. Often, there are mistakes on there and you’ll be unfairly penalized. If you think that might be the case, you can dispute credit report mistakes and have them changed. Once you’ve got an accurate credit score, you can start taking steps to change it. Cut back on your spending and clear any debts that you’ve got. Then, you need to get a credit card and start making purchases, while making sure to pay it off immediately. This will show that you’re trustworthy and help you to start building your credit score again.

Personal Loans:

Getting a personal loan is one avenue for borrowing money. You can go to the bank and borrow the money from them. The amount that you’ll get and the interest rate will depend on your credit score so the first step is important. You’re not likely to get as much as if you borrow through other avenues, so you’ll have to make those improvements on a budget. Before you sign anything, shop around a bit and find the best deals. You should also be careful about the amount that you’re borrowing. Only agree to borrow an amount that you can comfortably pay back so that you don’t get into financial trouble.

Should you need money for emergency repairs like plumbing, structural, or electrical, you might not have time to explore the avenue mentioned above. If this is the case, looking into Same day loans could get you the money you need for the repair quickly. This is an excellent option if you are in a bind as the safety of you and your family in your home is the most important thing. And, should you let these issues fester, they will only become more expensive to repair.

Borrow Against The House:

Personal loans are fine, but you might be better off borrowing money against the house itself. The benefit of doing it that way, is that you’ll probably get more money and, because you’ve put the house up as collateral, the interest rate isn’t going to be as high as a personal loan. However, there is an element of risk involved. If you’re increasing your mortgage, then you’re more likely to default on the payments and risk losing your house. Just like with personal loans, make sure that you’re only borrowing what you can afford.

Follow these rules and you’ll be able to borrow the money to get all of the home improvements that you need done!

Featured Image By: Pxhere

Five Ways To Learn When On The Go

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Five Ways To Learn When On The Go

Knowledge is power, as they say, yet judging by how people spend their time, you wouldn’t necessarily know it. We spend the best part of our first two decades on earth getting educated, and then, we simply stop. On the one hand, it’s understandable: we’ve learned the essentials during our formal schooling, and now it’s time to enjoy other things in life. But on the other, education is always worth pursuing. There’s much to know that they would never have taught you in school! But we know time is in short supply. That’s why we’ve put together some ways to learn while you’re on the move. On the commute, when you’re jogging – there’s always time to learn something new.

Put the Phone Down:

You’re sitting on the bus. You’re at a cafe, or the bar, waiting for your friend to arrive. Wherever you are, the temptation these days is to pull out your smartphone and start scrolling. But what are you missing out on when your mind is in a digital space? Education about the real world! There’s much to learn just by keeping our phones in our pocket and looking around every once and awhile. It’s a good chance to think big.

The Best Minds:

You might be a smart person, but you don’t know everything. As such, there’s much you can learn by listening to talks from some of the world’s best minds, past and present. There are plenty of inspirational talks on YouTube, which you can then convert to MP3 by using Convert Video. The next time you’re traveling from A to B, you’ll be able to fire up some inspiring words of wisdom and learn something new just as you’re going about your business.

Tune into the Radio:

It’s a good idea to learn about things which interest you, but it’s also good to learn about new things, too, things that you’ve never heard of before. Practically everything is interesting if you go deep into it enough! When you’re in your car, look at firing up talk radio, such as NPR. They usually talk about issues that you won’t hear about anywhere else, or things that you’ve never heard about before. In the process, you’ll be broadening your knowledge base, and may just pick up a new passion. Nice!

Carry a Book Around:

Are you always carrying a backpack or handbag around? Then keep a book in there. You’ll be surprised by just how many minutes of downtime you have during the day. These minutes present you with the chance to get your book out, get to reading, and learn something new. You’ll also significantly increase the number of books you read each year, too.

Strike up a Conversation:

Everyone’s smart in their own way. Next time you’re by yourself and have some downtime (or you’re on a plane), strike up a conversation with a stranger. They will always tell you something that you didn’t know before, and you can tell them something new, too. Plus, they might become a friend!

Continuing your education after school can be about street smarts, too. So try and learn something new the next time you’re on the move!

Featured Image By: Pexels

Saving Your Vehicle From The Elements This Summer

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Saving Your Vehicle From The Elements This Summer

Enjoying a long drive during the summer and being pampered by the warm weather is a great experience. But, there is something that one must keep in mind – that such weather poses a major hazard to a car’s exterior. To escape the negative effects of the elements altogether, a lot of precautions need to be taken. There are several tasks which one can do to help reduce the impairment done to a car’s paint due to weather conditions. Even though these are fairly simple steps to follow, completing them at all times can be a tricky task, as most people are forgetful and they tend to make silly errors in judgment. Here are some great tips to save your vehicle from the elements:

Parking in the shade:

Unless a car owner finds him or herself in a situation where there is no time to park at all, avoiding parking directly under the sun is possibly one of the biggest favors a car can get. There are essentially two benefits of parking a car under the shade. First, it helps in keeping the car cool. Secondly, it makes sure that the paint does not fade away so easily. These jobs may not seem so important, but these little incidents cause damage that adds up to cause a big problem in the future. So, rule number one is – never roast a car under the sunlight.

Using a car cover:

If the car owner regularly fails to find shaded locations to park the car, keeping a car cover in the trunk always is a must. These car covers can come in handy in many occasions, and will always provide your car with your own personally brought protection. Another excellent way to keep your car’s exterior looking its best is to invest in wraps for your car to further protect it from the elements. This is definitely worthwhile if you want to keep your car looking brand new no matter its age. It may be worth researching local paint protection film experts in your area, to see if there is anyone who can provide you with this service. A skilled technician will be able to assist with reducing the risk of chips and scratches to your paintwork.

One final option to protect your car and yourself from the elements is window tinting. Tinted windows offer heat rejection and UV protection and are a durable and long lasting solution. If this is something you are interested in, simply enter a search for “Car Window Tinting San Antonio” (or your local area). Be sure to read reviews carefully and seek recommendations from friends and family too.

Washing the car on a regular basis:

Washing cars on a consistent basis ensures that the exterior of the car is fresh for a long period of time. Such benefits only come to play when the car owner washes the car properly. After parking the car under shade, rinsing off all forms of accumulated dirt and grime is the first step. If getting the grime off after washing is proving to be too much trouble, using a clay bar to clean the sticky spots before rinsing the car for a second time is highly recommended. For convertibles, using a convertible top protectant is the ideal solution.

Once the car has been cleaned, with the use of a microfiber cloth, the car must be dried off completely, without missing any spots so that there are no water spots on the exterior.

Waxing:

Similar to washing, waxing a car regularly can help in reducing any type of damage done to the car paint. If a car is waxed regularly, the prevention of dirt and debris sticking to the vehicle becomes easier.

Saving a vehicle from the elements might be an annoying task but it is definitely achievable, and will keep your car looking better for longer.

Birthday Freebies

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Birthday Freebies

Hi everyone! As you all know, Lil Red balls on a budget and that means embracing rewards programs at my favorites stores and eateries like it’s my job. So, it’s no surprise that when my birthday month comes around, I get bombarded with all of the deals and freebies like nobody’s business. If you sign up for the different apps and rewards programs listed below, you can get in on the freebies, too!

  • Small popcorn at Regal movie theaters
  • One burrito from Moe’s
  • Free dessert from the Olive Garden
  • Small smoothie from Robek’s
  • Drink of choice from Starbucks
  • Makeup product from Sephora
  • Makeup product from Ulta
  • Bread sticks from Pizza Hut
  • Medium pizza from Hungry Howie’s

Obviously, I have been eating REALLY good lately and the price has always been right when you don’t pay a cent for it! Happy birthday to me, INDEED! 😀

What other stores and restaurants offer birthday rewards? Which rewards programs are you registered to? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Six Ways To Achieve An Eco-Friendly Bathroom

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Six Ways To Achieve An Eco-Friendly Bathroom

Planning a home improvement project soon? Why not try making your bathroom an eco-friendly space? Your bathroom is the room in the house where water use is the highest. The longer you stay in the bathroom, the more water you use and the more energy for heating, lighting, and ventilating is used, too. This all translates to skyrocketing water and energy bills every month.

With the bleak forecast about global water and energy scarcity, there’s no better time than the present to gradually transform your home into an eco-friendly space; and the bathroom is the perfect place to start. Here are six ways to achieve an eco-friendly bathroom:

Install Low-Flow Faucet Aerators:

Faucet aerators are fixtures that are capped on the faucet opening to reduce water use, control its flow, prevent splashing, and increase perceived water pressure. How does it work? Faucet aerators save water (and therefore, save you money on water bills) by introducing air into the water flow, so there’s less water flowing but still enough to wash things.

With a low-flow faucet aerator, you can reduce rate of water flow from 2.5 gallons per minute (standard faucets) to as little as 0.5 gallons per minute. That’s saving about 80 percent of water every minute the tap is on.

Faucet aerators are affordable and easy to install. You can get one for $5 to $10 dollars, depending on the brand and features added to the aerator. When buying the a low-flow aerator, make sure you have the right size and one that is compatible with your faucet. Installing the new aerator only takes a few minutes. Just unscrew the old one using a wrench, turn on the tap to wash away debris, and cap on the new aerator. Make sure not to apply too much force to avoid damaging your faucet.

Change To A Low-Flow Showerhead:

Do you like taking long showers every day? If the answer is yes, then you’ve found the primary culprit for your skyrocketing water bills. Standard showerheads use from 2.5 to 4 gallons of water per minute. So every time you shower for 30 minutes, you’re using about 75 to 120 gallons of water. That’s 15 to 24 times more water used than the average person in a developing country. (The statistics is 20 liters of water or 5.3 gallons per person.) When you change to a low-flow showerhead, you save one-half to two gallons of water every minute you shower. Of course, this only works well when you cut down on your shower time, too.

Now, if you don’t have a low-flow showerhead but you’re noticing a change in water pressure this could be a sign of a water pump problem. This is something you will want to get looked at by a professional. If you’re handy and experienced with this type of repair, however, you might be able to use a guide like this https://www.ronix.ir/mag/home-water-pump-installation-guide/ to install a new water pump if it’s needed.

Go For A Water-Efficient Toilet:

Old toilets are one of the biggest water wasters in your house. They consume about 3.5 to 7 gallons of water per flush, which is a lot for one use. In contrast, new toilets only use an average of 1.6 gallons per flush. If you want an eco-friendly bathroom, then you may want to switch to a water-efficient macerating toilet. Water-efficient or low-flow toilets save more than regular modern toilets. Some models can go as low as one gallon for every flush. Getting one with a macerating pump also helps with preventing toilet clogging, which saves you from expensive plumbing bills.

If you are installing any new features in your bathroom, it is so important that you hire a professional if you don’t have the skills to do it yourself. Attempting to do so can result in pricey repairs that will waste even more time and money. There are very helpful platforms that can connect you with skilled Local Tradesmen in your local area to take on these jobs for you. Explore these options carefully and do your research so your eco-friendly bathroom will always be performing to the highest standards.

Use Energy-Efficient Light Fixtures:

The bathroom is the place where you do most of your grooming, like shaving and doing makeup. These are delicate activities that need good lighting to avoid injury or mess-ups. However, inefficient light bulbs are some of the chief reasons for high electricity bills.

For places like the bathroom, that require good lighting, use energy-efficient light bulbs. These include compact fluorescent lamps, light emitting diodes (LEDs), and halogen incandescents. Energy-efficient light fixtures can last 3 to 25 times longer than traditional light bulbs and save from 25 to 80 percent more energy, making them the eco-friendly choice.

Not only is swapping out for energy-efficient lighting fixtures a money saver, but it will also give the space a mini makeover. While choosing more eco-friendly options for your bathroom, you might want to do a full fledged remodel altogether. This is something that a professional team should assist you with. To begin researching experts, simply enter a search for “bath remodel twin cities” (or your local area) to transform your bathroom into both an eco-friendly and inviting space.

Switch To An Energy-Efficient Exhaust Fan:

Ventilation is essential to keeping your bathroom clean, odor-free, and mold-free. A constantly damp bathroom is conducive for mold growth. However, when you ventilate your bathroom after use, you remove excess moisture and inhibit the buildup of mold spores.

There are two ways to ventilate your bathroom. You can either open the window and door or use an exhaust fan. An exhaust fan consumes energy and can result in mounting energy bills when used too often. It’s not always ideal to open windows and doors, too. Open bathroom windows may invite unscrupulous people (or bugs) in your home while open doors will just transfer the odor (and whatever else is in the air) into another part of the house.

Since you can’t do away with ventilating your bathroom, you can use an energy-efficient fan. To find one, search for an Energy Star-rated model and get 60 percent energy savings compared to standard vent fans.

Choose Eco-Friendly Cleaning Supplies:

Many cleaning products available in the market today contain harmful chemicals that are dangerous to your health and bad for the environment. Their ingredient includes phtalates present in air fresheners, dish soap, and some toilet papers. Phtalates are harmful to the endocrine system can and reduce a man’s sperm count.

Harmful chemicals, like perchloroethylene (Perc), triclosan, 2-butoxyethanol, and ammonia, attack your health and negatively impact the environment, and they’re common ingredients in many household cleaners.

Avoid these chemicals by opting for eco-friendly products or homemade products that are proven to have no harmful effects. You can consult the non-profit Environment Working Group for a list of cleaning products to avoid.

Take The First Step:

Wasting water and energy has far reaching impact to the environment and the earth’s resources. With global warming, climate change, and scarcity hitting the world in all corners, it’s high time for people to take action to reverse the damage that’s been done to the earth. Converting your bathroom into an eco-friendly space is the first step to building a more sustainable environment for you and your family. Why not start now?

Featured Image By: Pixabay