Tag Archives: ballin on a budget

How To Stay In Control Of Your Cash

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How To Stay In Control Of Your Cash

When you’re just starting out in the world of work and education, you’ve got a big shot at life. No matter your circumstances, your relationship with money will define your future, your level of stability and security, and, of course – the rest of your life. We’re sorry to say, but money really does make the world go round, and you could lock yourself out of a future and enter a world of financial insecurity if you are not careful with your cash. If money makes the world go round, you can easily find yourself lost in that same cycle.

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Say “money”!

The good news, though? You’re young, you’re just starting out, and you have the internet. This means that you’ve got time, opportunities, and knowledge on your side (if you choose to read up and learn, that is!). With some valuable tools, you can avoid making financial mistakes and you can – for the most part – develop a healthy relationship with money quite easily. The key? It’s to never let your spending outweigh your earnings. Major shopping sprees, vacations, and spending with reckless abandon? It’s an easy path into pointless debt. It’s an easy path to financial misery.

People will get into debt. When you take out a loan to fund a car purchase after passing your test, you’ll be in debt to the provider of the finance. When you get your mortgage, you’re in debt with the lender. When you take out a loan to fund a business venture, you’ll be in debt. This, for the most part, can be seen as “good debt”. It’s debt that is acquired for a purpose. What’s bad debt? Well it has a different definition in business, but to us, it’s the debt that you acquire with high-interest values because you can’t hold yourself back from spending. It’s payday loans; it is credit cards.

Debt is a real danger and for a number of reasons. Debt, of any size, will affect our credit rating. This can affect the future of a young person quite drastically. It can mean that you are rejected from having a mobile phone contract. It can mean that your mortgage is turned down. It can seriously affect any future decisions that you choose to make.

Debt also creates emotional stress and worry. Debt isn’t the end of the world, we all get into debt – it’s how we pay it off that matters. Getting out of debt might include asking for a few extra hours a week at work or asking family or friends for some help. It may be awkward – a lot of us don’t know how to ask a friend for money but it will definitely help give you some peace of mind about your overdue payments.

Being in debt isn’t a bad thing – it is when we choose to live in debt that things turn nasty. There are always methods to paying off debt and anyone that you owe will prefer that some attempt at paying can be made. When you are in debt, you will always have options like student loan forgiveness. Getting stressed about being in debt can quickly lead to one avoiding paying for their way out of it.

To stay in control of your cash, you need to manage debt and your spending. This can be hard for youngsters – because they are explicitly targeted by those who seek to profit from debt. However, control of cash is an invaluable skill for anyone and your bank account will be thanking you! Not today, debt. Not today.

Featured Image By: Wikimedia

Bath & Body Works May Freebie

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Bath & Body Works May Freebie

Hi everyone and TGIF! This past Wednesday, I went to the mall so that I could pick up a birthday gift for my brother and while I was there, I figured that I would grab my freebie from Bath & Body Works, too. I also thought that it would be a nice break for the people who work at the one that I usually go to, considering I always just get my free item and leave (smh!). For this freebie, I restocked a shower gel that I had just given to a friend as part of her birthday gift in one of my favorite scents. Check it out:

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My best friend gifted me with the lotion of French Lavender & Honey a while back and ever since then, I’ve been hooked. It seriously smells SO. GOOD. I legit can’t get enough of this scent, which is glaringly obvious because I feel like I write about it constantly! These past few months of freebies, I have taken to getting shower gels instead of lotions. I honest to god have a lotion hoard that could keep a family of ten moisturized for the year, so it didn’t make much sense to continue adding to this stockpile just for me!

I think the mini shower gels are great and I can’t wait to use them for travel purposes this summer. The shower gels also make a wonderful addition to a gift that you’re giving, especially if you match the scent of the gel and lotion together. That’s what I did for my friend’s birthday this past week and it added ten extra dollars value to the gift that I didn’t pay a dime for. Sounds like a sweet deal to me!

So there you have it, my May Bath & Body Works Freebie! Who else is guilty of gifting bath and body care items for your girlfriends? What is your favorite B&BW scent? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Panty Problems

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Panty Problems

Helloooo everyone and happy Monday! I hope that all of you had a wonderful weekend and a lovely Mother’s Day if you celebrated! I have to tell you guys, I am having some MAJOR Panty Problems up in here, up in here. Your girl has needed some new panties for a while now and I decided that this was the weekend that I would make the panty purchase. My mom and I were going to go up to Belden Village, which is a mall about a  half an hour away from us in Canton so that I could shop at Aerie and I was really excited!

Unfortunately, no other malls near me have an Aerie, which is a damn shame considering it’s my normal panty stomping grounds. But that always has been okay with me because Belden Village is my favorite mall to shop at. Before my faithful sidekick – MY MOM and I left, she also treated me to an Aerie gift card as an early birthday present so that I could get my panty on. It was basically the sweetest thing ever and I was so ready to hit the road so that I could revamp my panty drawer ASAP.

SO, we got to the mall and we went to Aerie and it was essentially the most disappointing moment in my life because every single panty there was nowhere close to moving me on a spiritual level . Like, seriously? I have this here gift card and have made the trek to the mall and literally Not. One. Single. Panty. spoke to me. I couldn’t believe it.

I have never not had good luck at Aerie when it comes to panties, but here I was being surrounded by these…these…panty imposters with a gift card burning a hole in my pocket and NOTHING to spend it on. I was in shock. I was disappointed. And I was simply beside myself in mourning for the current uselessness of my gift card and the fact that my panty drawer would be none the better that night.

We walked out of Aerie and I felt dejected and defeated but I figured that we might as well look at Victoria’s Secret, since we were at the mall. I’m not a huge Vicky S fan when it comes to panties. Frankly, I think that they’re an absolute rip off – but at this point, I felt like I needed something and Victoria’s Secret beckoned me into their pink and black emblazoned store with the promise of severely overly priced panties. And like a sheep walking into the slaughter, I entered the store.

Oh, Victoria’s Secret. A store full of sexy little underthings for prices that you could probably buy a kidney with off of the black market. Don’t get me wrong – all of my bras are from Vicky S. I’m just a ballin on a budget kind of gal. I’m more than willing to shell out for a nice bra but panties are just a different story, which is why I’ve always shied away from purchasing them from Victoria’s Secret. But, there I was, Angel Card in hand and a whole store of panties to pick from…

And I hated all of them. Every single panty there that was on some type of a promotion did nothing for me. Similar to Aerie, they were all just blah. But guys…guys…I really felt like I needed to buy some freaking panties – so what did I do? I made my way to the most expensive table of panties which were three for thirty-five or something along those lines and began to hunt for the perfect pairs because it was the only table in the store that I even remotely liked.

After about five minutes, the deed was done and I made my way to the register. The total came close to forty dollars and I just had to stare at the price for a minute, like a cow looking on to an oncoming train. And, I swiped my card and exited the store…

Instantly, I felt like I had made a big fat mistake but didn’t say anything until we got into the car and were on the highway. I then made the announcement that “I have no idea why I just bought those”. It was obviously a moment of weakness because I genuinely see no justification in spending forty dollars for three pairs of panties and I ended up returning them at a nearby mall the next day.

Long story short, my Panty Problems have been a source of much grief and woe this past weekend and here I stand, STILL PANTY-LESS. G DMXCN SMZDNCDCLKSANCKMASJM AHHHHHHHHHHH. Okay. Wow, I really needed that. Anyways, I guess the moral of the story is to not buy something because you feel obligated to (ESPECIALLY expensive panties), patience is a virtue, yada yada yada. And I guess I’m just going to have to wait until Aerie’s panties don’t completely suck until I spend my gift card. *Patience is a virtue, patience is a virtue, patience is a virtue.*  Smh. The End.

So there you have it, my Panty Problems for the weekend, which is obvs enough to last a lifetime! Where do you get the cutest panties from? How about the best bras? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Mini Makeup Haul

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Mini Makeup Haul

Hello everyone and happy Hump Day! To conclude my Target Haul appreciation posts, I am here to talk to you about two gorgeous new makeups that I purchased this past weekend. I’ll be honest with you guys, I am not a big makeup girl. I stick with what I know and I legit paint my face the same way every day – which my sister LOVES to dog on me about. So I thought that I would take a step out of my comfort zone with a beautiful emerald green eyeliner by Maybelline. But I am a creature of habit, so back into my comfort zone I went with a lovely new red lipstick by L’oreal, which I am so obsessed with! Take a look and let’s discuss:

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My Purchases:

  • Maybelline Glossy Emerald eyeliner #608
  • L’oreal Ruby Flame lipstick #317

As I’ve mentioned about a million times on lifewithlilred, fifty shades of green is my color. With pasty pale skin, bright red hair, and hazel eyes that frequently change color to green or golden yellow, green is one of the colors that always looks good on me. When I worked at The Body Shop, I was definitely more adventurous with my makeup and I can remember using deep green eyeshadows as eyeliner and loving the way that it looked. So I thought that I would revisit that and attempt something different than my normal gold eyeshadow with a bright emerald liner…

The only problem is, is that I freaking suck at applying eyeliner to my top lids so this is definitely going to be a trial and error type of thing! But hey, we’ll see what happens and maybe then my sister will get off of my back for wearing the exact same makeup every day of my life, lol smh.

Now, as for my new L’oreal lipstick – I LOVE it. I have been on the hunt for a red lipstick with glitter in it for the past month and am so happy with this shade in Ruby Flame. When I took my sister shopping at Sephora for her birthday at the beginning of April, I tried my luck there for a lipstick shade that I liked but nothing spoke to me on a spiritual level. Not only did I hate everything that I tried there, but I wasn’t too keen on spending over twenty dollars for a lipstick, anyways.

I wasn’t expecting to find a glitter red that I loved for a whole seven bucks at Target! I had originally seen this L’oreal shade at the drugstore when I was killing time in between meetings for work and I really liked it but didn’t buy it. But, I made note of it for future purchasing purposes and I am really glad that I did! Ruby Flame is exactly what I’ve been searching for. A gorgeous shade of red, a light overlay of fairy dust, and a reputable brand that wasn’t going to break my bank. I am SO pleased with this find and cannot wait to use it on my next night out!

My Mini Makeup Haul at Target left me with a revamped version of a tried and true favorite in L’oreal’s Ruby Flame lipstick and a *gasp* not gold eyeshadow with Maybelline’s Glossy Emerald eyeliner. I’m looking forward to giving both of these new makeups a try and we’ll see what happens! How do you step outside of your makeup comfort zone? What is your go to shade for eyeshadows and liners? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

New Dress Success

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New Dress Success

Hi everyone and happy Monday! I had a super fabulous Target haul this weekend and as your typical basic gal named Sarah, I went shopping there BOTH Saturday and Sunday haha smh. So this week, you guys will be hearing a lot about my purchases for a super reasonable price and if you love what I got, you can hit up your local Target and we can be twinsies. Ayyyy.

ANYWAYS, I had a really bad hankering these past few weeks to buy all of the things. As the seasons change, I always feel like my shopping is justified so that I can work in new weather-appropriate pieces into my wardrobe. At Target, I was on the hunt for some fun in the sun clothes like maxi dresses, skirts, and cute little mini dresses. But, with Sarah being Sarah, of course I ended up with a black and white Wednesday Adams dress, instead. Lol, take a look and let’s discuss:

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^^^ SO CUTE!

This dress is from Victoria Beckham’s recent line that she created for Target. To be frank, it looks like it didn’t do all that well because everything from the collection was marked down. But hey, it worked in my favor and I am so not complaining! I got this pretty little number for a whole twenty-five bucks, which I thought was such a steal.

I’ll be honest, I was pretty nervous trying this dress on because all they had was extra smalls and larges and I just wanted it to work SO badly. I am in that unfortunate spot between extra small and small. It really just depends on the clothing being tried on and from what store so depending on where I am, I can fit comfortably into either size.

While in the fitting room, I just had to take a deep breath and slip into the dress and thank freaking GAWD it fit! I wouldn’t say that the dress was a body con style by any means but it definitely laid closely to my body, which was just great because I never think to wear seamless panties when I’m shopping. So here I am in the dressing room with this gorgeous dress on and the literal WORST underoo seam lines ever. Lol, thank goodness that the Victoria’s Secret seamless panties work wonders for that awkward misfortune. -_-

I have always wanted a dress that looks like my new one from the Victoria Beckham line but I was never overly impressed with any of the ones that I’ve tried on in the past. I’ve noticed that this style of dress seems to be made baggier instead of form fitting and that just doesn’t work for my body type. The fact that this dress shows off my figure instead of trying to hide it is so fabulous to me. And the cute little rabbit decals on the collar had me sold the moment that I saw it.

This dress is going to be absolutely perfect for date nights or evenings out with the girls at a classy (not college student infested!) bar. I can’t wait to pair my new dress with a really fun pair of heels to offset the black and white palette, a red lip, pompadour hair, and a moto jacket for those chilly nights. Hello, sweet rocker chic!

My New Dress Success may not have been exactly what I set out for while shopping but, regardless, I am SO happy about it! You can shop the Victoria Beckham collection both in stores and online if you love this pretty baby as much as I do! How do you style a date night look? What is the best style of dress for your body type? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

When Bargain Hunting Gets Serious

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When Bargain Hunting Gets Serious

We all love a bargain and nothing beats finding the perfect thing on sale. It gets your heart pumping and makes you feel GOOD! And, the invention of online discount code sites has changed the way many of us shop, too. Shopping also releases endorphins. It may not be scientifically proven yet, but most of us would agree that finding a bargain releases even more. But sometimes, there’s more to getting a deal than that feel good buzz. We’re stepping away from finding the dress that you were looking for at half price. Instead, we’re going to look at when finding a deal can make a difference to your life. Believe it or not, some things are more important than clothes (though it may be a small, select few!):

Food: We can all agree that food is an essential. But, finding food when you’re working on a tight budget is far from easy. For some of us, clothes shopping is far from our minds. When we can’t afford to feed our families, life can get on top of us. So, how can you ensure that you can always buy food? The first thing and a point we’re going to return to again and again is the importance of shopping around. Knowing where you can get the best deals is important.

Despite what you might believe, prices on the same products vary a huge deal from store to store. When money is stretched, you can’t afford to buy at the shop closest to you. Instead, look around. Go to a few different stores to see which one has bargains on certain things. It’s also important to have a set meal plan for the week and only buy the ingredients that you need. People who shop per meal are sure to spend more than those who plan ahead and shop once a week or so.

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The chip aisle is SO beautiful.

Health: Healthcare isn’t cheap. Those with enough money can afford to pay for health care to cover costs. But, people on a tight budget don’t have that luxury. Instead, they have to cross their fingers and hope nothing happens. Frankly, a big health bill would be enough to cripple the best of us. It may seem strange to consider bargain hunting where health is concerned, but it’s important. Few people realize that you can get discounts on prescriptions if you need them. It’s even possible to find deals on health insurance if you know where to look. Again, shopping around is key.

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Bills: Most of us would agree that our bills are the largest monthly expense that we have. So, it makes sense that we would want to find deals where we can. Sorry to sound like a broken record, but again, shopping around is your best bet. If you don’t look at each company’s prices, you could be paying well over the odds. Once you’ve done your research, you also have the opportunity to return to your current company and see if they can offer a competitive price. Playing companies off against each other is sure to knock costs down.

As you can see, the secret to saving money on important costs all comes with doing your research. Check the ads, apps, and websites for the best deals as well as keeping up with the promotions certain companies may be offering for new customers, etc. and you are sure to see savings!

Featured Image By: Public Domain Pictures

New Tattoo Excitement!!

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New Tattoo Excitement!!

Heyyy everyone and happy Hump Day! So I am wicked excited for Saturday the 20th at 1 o’clock in the afternoon because I have a tattoo appointment!! I was planning to get a new tattoo for my birthday in June, but I saw that the artist who I am going to is running a percentage off special in May so I figured that I might as well get it now and save some money on it. It has been literal years since my last tattoo. Jeez Louise, I think it might have been back in 2014. Yikes!

Don’t get me wrong, it’s not like I don’t want more tattoos because I want a bunch. But, when I started college in 2014, I didn’t exactly have money to just throw around on extra things like body mods, clothes, and accessories because they were just extra and text books are no joke. But, now that I’ve been graduated since the end of 2016 and am actually making money instead of constantly spending it on college related fees, I feel pretty okay about getting a TREAT YOSELF/early birthday tattoo!

So what am I gonna get, you might ask? Take a looksee:

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If you aren’t familiar with the book The Little Prince, then you are missing out because that’s where these drawings are from! I plan on getting the first image of him flying with the birds on my side but I want him dressed in the clothing from the second image. The birds are going to go up onto my back and probably end close to my bra line. Then at some point, I’ll work in a quote en francais as well as the horizon line at the end of the book. AHHHH!!

For those of you who don’t already know, The Little Prince is one of my all time favorite books. It just is. I could read it every day until I die and never tire of it. I think that it is so beautiful and every time I read it (which is quite frequently), I fall even more in love with the words and imagery scattered like petals throughout the pages. I am super excited to get my undying adoration for this book commemorated in tattoo form and it has been a long time coming because I’ve wanted this done for five-ever.

May 20th can’t come soon enough and I have a feeling that I will be in the tattoo chair quite a lot this year! How’s that for some New Tattoo Excitement?! Who plans on getting a new piercing or tattoo soon? What is your favorite tattoo or piercing that you have? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Securing Your Home On A Tight Budget

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Securing Your Home On A Tight Budget

Home safety is always going to be an issue among homeowners. Sadly, it’s even more pressing when you consider living conditions, local community and, of course, our budget. Securing your home is easy if you have money to pour into fancy surveillance systems and smart devices, but what can you do if you’re on a tight budget? It’s hard trying to balance the costs we need to spend on our home, but with a couple of these home safety tips, you’ll be able to secure your home for less and still have peace of mind when you’re out and about:

Know Your Community: One of the best ways to secure your home is to actually get to know your neighbors. Whether you live in an apartment complex or a small community of houses, neighbors will naturally look out for burglars and criminals. You might even be able to join a neighborhood watch if there’s one available. This is great if you plan to be away for an extended period of time. You could simply leave your keys with a trusted friend or family member that lives close by and they can watch over your house and notify you if there’s anything suspicious or troubling happening.

Getting to know your community also means getting to know your enemy. If your area is notorious for burglaries and vandalism, then it might be worth considering a move in the future so that you can live in a safer environment. However, if that’s not an option for you, then you need to learn what the most common method of crime is in your area. Perhaps it’s people that smash into your home and break the windows and doors just to steal your belongings. Or maybe it’s someone more devious that sneaks in and picks the locks of your door. Whoever you’re up against, ensure that you have proper countermeasures to combat against it.

Changing Your Locks: The only way burglars are going to get into your house is either by smashing their way in or picking your doors. The smarter and more sophisticated your locks are, the more likely you’ll deter them. If you’re up against burglars that destroy everything in their path and loot your home, then a new lock isn’t going to make a huge difference and you should probably invest in something like a heavy-duty door and window shutters.

However, if you’re more concerned about lock-pickers, then a sturdy modern lock will be your answer. If you look at https://www.bradleyssafeandlockworks.com/, you’ll find plenty of information regarding expert locksmiths, the types of locks that will really protect you from burglars, and even some information on safes to protect your most prized possessions.

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Sock it, lock it, put it in your pocket.

Remove Hiding Spots: Even if your locks are secure and your neighbors are looking out for you, you need to ensure that the burglars have nowhere to hide. Motion lights are one of the most common things to install to protect your home from burglars. If a motion light detects them, they will be illuminated for cameras, neighbors, and even you to see.

Try to park cars inside of your garage instead of outside of your home because it gives the thief less space to hide. Trim hedges and cut down trees or plants so that they have fewer places to hide and maneuver in the dark. If you do have cameras, make sure that there are no walls or fences near them because thieves will sometimes block off cameras so that you can’t record any evidence. Also, make sure that those cameras have a clear view and that their vision isn’t obstructed.

Deterring Them Is The Best Defense: If burglars really want to steal your belongings, then they will do so without hesitation. For instance, they’ll smash your doors, break your windows, and grab as much as they can before making a run for it. They’ll create so much noise that it’s hardly subtle and they will just run off, leaving very little time for the authorities to react. This is why deterrence is the best form of defense. Most burglars are going to be sneaky and pick your locks, disable your alarms, and steal your belongings without you even knowing. The less that they have to worry about, the more likely it is that they will steal from your home.

Let’s say you install a fake alarm. The burglars might see it and instantly be turned off from the idea of stealing from you because they don’t want to risk being caught. However, if an experienced burglar sees it, then they have two options. Either they try to steal from you anyways, knowing that the alarm is fake. Or they avoid you in case the alarm isn’t actually fake. This plays with the thieves psychologically. They see that your house isn’t very well defended, but at the same time, they don’t want to risk being caught.

Another good way to deter thieves is to simply leave your lights on. If you’re worried about savings, then you can install smart lights that automatically turn on at set intervals, and they can even be controlled with smartphone apps across the internet if you get high-end models. They’re quite expensive, but turning on the lights normally can also work. This alerts the thieves because they might assume that someone is at home, meaning there’s a higher chance that they will be caught.

To summarize, visual deterrents are a fantastic way to keep burglars away from your premises. It could be something as simple as stickers to let thieves know that you have an alarm or just making your alarm visible by keeping it at an easy to see location. This article at https://www.safety.com/ will give you even more ideas to help you deter burglars if you’re still looking for inspiration.

Featured Image By: Pixabay

TJMaxx Mini Haul

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TJMaxx Mini Haul

Hi everyone and happy Sunday! I hope all of you are having a super fab weekend. So Friday was a wonderful, but boozy time, and your girl spent yesterday nursing a hangover from HELL. Seriously, I was completely miserable and spent a majority of the day in bed watching a Catfish marathon. But, despite feeling like total ass, I ponied up and went with my mom to Home Goods and TJMaxx in the evening so she could pick up a few things and make some returns. And, honestly, when have I ever said no to going to TJMaxx?!

My beloved mom and I haven’t been out shopping together in a while and even though I felt like I got ran over by stampeding elephants, we still had a lot of fun! We browsed around Home Goods, which I’ve grown increasingly more fond of with every trip and ended up with some delightful new home goods. 😉 The TJMaxx trip was awesome, though, because we were in a fancier area than our normal location so it was a nice little change of pace. Take a look at my mini haul and let’s discuss:

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The Haul:

  • The Body Shop Oat & Honey mask
  • Yes To Coconut souffle moisturizer
  • Olive green baseball cap (brand unknown!)

The Price: About twenty bucks total

I am always so, so happy when I can find really good skin care products at TJs on the cheap. I have been absolutely loving face masks as of late so finding a TBS one for FIVE DOLLARS was such a treat! I have used the Oat & Honey mask before and it was nice but nothing that I would ever pay full price for so it was definitely a pleasant surprise to be able to snag it for a price that you couldn’t get at TBS even if it was on sale.

Not only did I get a new mask to add to my collection but I also got a moisturizer that I freaking LOVE! My mom got me the Yes To Coconut souffle moisturizer for my birthday or Christmas, I forget which, and it was so fabulous. Normally, I’m not a huge coconut fan but this moisturizer smells so good to me. It’s definitely coconutty but it also has that rich, creamy scent and texture that I love so very much. And did I mention that it works wonderfully, to boot?! This moisturizer absorbs so quickly, sits well under makeup, and leaves your complexion looking like peaches and cream perfection. So, needless to say, I was thrilled to be able to get my Yes To Coconut moisturizer for a TJMaxx price!

And, finally, my new baseball cap!! I am such a fan of hats. I wouldn’t say that they’re my favorite accessory but they are definitely high on the list. Floppy hats, beanies, baseball caps, Panama hats, sun hats, cold weather wool hats – I love them all. I have two boxes full of hats in my closet thanks to an appreciation that stemmed from my darling grandma who had over one hundred and fifty hats!

But, one style of hat that I have been meaning to give more love to as of late is the baseball cap. I loves me a good ball cap but I always have difficulty finding ones that work in terms of color with my hair. With my bright red locks I want anything that I put on my head to compliment, rather than clash. That’s why I was so attracted to this shiny, olive green cap for ten dolla holla at TJs.

Green, no matter what shade, is a color that always looks good on me. Thanks to red hair and pasty pale skin, fifty shades of green is a color that I know that I can turn to and I will look my best. My new hat just made everything pop. My eyes looked bright, my skin glowed, and my hair (even though I really need to dye it) looked fantastic. And you KNOW that this hat was a winner if I felt that I looked good even with a hangover!! Everything about this hat worked AND it didn’t make me look like Ashton Kutcher so, obviously, this little baby was going home with me!

Even though this was a small haul, I ended up with two skin care products and a hat that I totally love and only paid a whopping twenty bucks for. Sounds like a steal to me!

So there you have it, my TJMaxx Mini Haul! Who else has a deep love for TJMaxx? What is your favorite accessory to rock? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

How Much Money Can You Really Make In Your Spare Time?

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How Much Money Can You Really Make In Your Spare Time?

It is only the very privileged few among us who are able to say that they are happy with their income. For most of us, we can be happy enough – but that doesn’t mean that we wouldn’t accept an additional boost or two if it were to come along. As a result, the industry for providing people with a means of making money “in their spare time” is a booming one. It always has been, to an extent, with catalog sales and the ability to sell products to friends and family. However, there is no doubt that this is an industry that has found its home amidst the wild west of the internet.

Have a quick browse for money making ideas online and your first impression will probably be sheer horror. How can you possibly figure out which one of these is going to work for you? If you’re a keen gamer, you may be interested in sites and apps that allow you to play games for real money so that you will know you will be having fun with your time, as well as boosting your finances. However, while there are plenty of sites offering various methods to make money online, many of the options are versions of the same thing. Sites offer points for simple tasks such as completing surveys or watching videos. When these points (different sites may call their ‘points’ different names) accrue to a certain level, then you can redeem them for either gift card vouchers or money.

Upon viewing the sums available, a lot of people will wonder if it’s worth it. So maybe it’s time to examine this closer and see if it’s a viable way of bringing in extra cash for you – by examining the pros and cons. Because who doesn’t love a good pros and cons list?!

PRO: You Can Do It When You Want, For As Long As You Want

There’s no boss, there’s no management, there’s no scheduled hours that you have to be present for. You have got complete control of what you do and when you do it. If you don’t need as much extra cash one month, you can give yourself the month off. If you need more, then you can knuckle down that little bit harder. The flexibility makes these sites incredibly attractive.

CON: You Have To Control Your Expectations

The key to making money from these sites is, according to this review, managing your expectations. Don’t think that you’re going to be able to quit your job and work from home in your pajamas all day – it’s not going to happen. You have to have a robust grip on what’s happening and how much money you’re going to earn, or you could find yourself bitterly disappointed. Super bitterly disappointed. Ugh, I love that word.

PRO: You Don’t Have To Qualify

If you wanted to, you could head on over to your computer and start working right now. There’s no interview, no qualification process, nothing of that nature at all. In fact, just being you is all that’s required, especially when it comes to filling out surveys about your opinions.

Taking a survey, perhaps?

CON: The Returns May Not Be Worth It

If you calculate the amount of time you spend on these sites and then factor in your hourly rate, it might not be pleasant reading…Seriously, I have spent a half hour doing a survey that claims to take ten minutes and received a meager fifty cents from it. It was a BITTER disappointment!!

PRO: It’s (Almost) Passive Income

However, you can keep in mind that these tasks can be done while you’re occupied with something else. For sites that allow you to earn points from watching videos, you can just play the videos in the background while you are making your evening meal. The surveys may take more attention, but you can do them from your phone while you’re waiting for the bus. Being able to pick and choose when you participate can be really helpful.

CON: Sites Can Shut Down Unexpectedly

Let’s say you join a site and accrue a huge amount of points. You’re waiting to reach a certain cash out threshold, which will allow you to obtain a voucher to a certain financial value. This is a dangerous way of doing it. These sites don’t owe you anything; if they suddenly fold or go offline, then all of your hard-earned points are going to vanish with them. There’s not a chance that you’ll get them back.

So, be safe and smart with how you use your points. Cash out as soon as you meet the minimum payment threshold, even if you’d get more for your points by hanging on to reach a higher voucher target. It’s better to actually have the money in your hand than relying on the site to keep it safe for you!

PRO: The “Big” Sites Are Well Established, With Users You Can Talk To

If you’re confused about anything that you find regarding the website, you can talk to other users. Most sites will have some kind of forum system or their social media pages will allow users to connect with one another. And, more often than not, there will be someone to explain things further on any questions that you might have.

So online money making websites might not be the best way to earn some extra cash BUT if you control your expectations and manage your time wisely, you could end up with some gift cards and money for the movies in your pocket!

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