Tag Archives: cash money

Dollar Tree Haul

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Dollar Tree Haul

Hello everyone! If there’s one thing that Lil Red doesn’t believe in, it’s paying full price for just about anything. So, it’s pretty shocking that I really didn’t get into shopping at the Dollar Tree until this past year. One of my clients loves that store and I always end up there at least one time a week. It wasn’t until I took a closer look around until I realized that the Dollar Tree is friggen awesome and I have had much success shopping there, especially since moving into my apartment. Don’t believe me? Check out this big ol’ haul for yourself:

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For twenty items I paid twenty dollars altogether and I am confident that if I purchased all of this at a normal grocery store it would easily be over fifty dollars. The Dollar Tree pulled through in the clutch for me at just the right time because after all of my holiday shopping this month, my credit card bill is going to be huge. BUT, I also have no food in my apartment. This will definitely tide me over until my bill turns over in December and I can do a bigger grocery shopping trip.

Also, can we please talk about the potato gnocchi and Arizona nacho trays?! They are both SO freaking good and the only thing that isn’t pictured is the nachos that I already ate, lol. They are a perfect snack for when I get home from work and I was so stoked that the Dollar Tree that I was at had them that I just had to get six, lol! The gnocchi is also a quick, easy, and delicious meal that my boyfriend and I both love and will be a perfect, simple dinner after we’ve both had a long day.

I have never quite understood the people that considered themselves above discount shopping but I, for one, will never be. Compliments of shopping at TJMaxx and Marc’s (a discount grocery store in my neck of the woods), I am sure that I’ve saved over thousands throughout the years and that ballin on a budget train isn’t going to end any time soon!

What is your favorite discount store? How do you ball on a budget for your grocery shopping? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Easy Ways To Make Extra Holiday Money

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Easy Ways To Make Extra Holiday Money

Christmas can be a stressful time of the year financially, especially if your budget is already stretched. If decreasing your spending won’t cut it, then starting to look at options for making more money can be the way to get through the holiday season. Many people take on second jobs at this time of year, but could there be an easier way to boost your savings? Get ready to grow your income with these ways to make extra money in the lead up to Christmas:

Use your skills:

Do you work in a job where you could use your skills on a freelance basis? It could be easier than you think. From copywriting to bookkeeping, there are all kinds of jobs you can do part-time or freelance to help you boost your income. It’s worth checking out the types of roles that are available online through websites like Upwork and People Per Hour.

Many people turn side hustles into full-time roles, giving you the perfect excuse to make a switch to a career you’re passionate about and interested in. Remember to only work the hours you can afford to spare, you don’t want your side hustle to have an effect on your day job.

Become a tutor:

Becoming a tutor can be another excellent way to put your skills and knowledge to good use. Whether you can speak another language or you were great with math at school, you could help a student improve their skills and help them succeed. You can find tutoring opportunities listed with local schools or colleges, and a shout-out on Facebook could be another way for you to find your first gig. Becoming a tutor can be very rewarding, helping you remember your enthusiasm and interest in a subject you might not get to use very often.

Offer babysitting services:

Many people need babysitters at this time of year. People get very busy during the holiday season, so if you love kids – why not offer up your services? You could ask friends and family to begin with and to help you build up some experience. From there, you can find babysitting jobs online in your local area. Babysitting can be a lot of fun, and great practice if you’re thinking of starting your own family soon!

Become a dog walker:

If taking care of kids isn’t your thing, perhaps you could take care of animals, instead? Dog walkers are in high demand, and you can make some great additional income as a walker. Not only will you get the chance to interact and play with some fantastic dogs, but it can also help you stay fit too. Getting out and about during the winter is tough when the nights are dark and the weather is cold, but a four-legged friend who’s happy to see you should be more than enough motivation to get outside!

Sell unwanted goods on eBay:

With the holidays around the corner, it’s a good idea to clear out some of the clutter in your home before a new intake of gifts arrives. This helps you to keep your home neat, as well as making sure you haven’t got items sitting there going to waste.

Selling your unwanted items on eBay is easier than you might think, and you can do it all from your phone. Of course, not everything is going to sell so if you find yourself with items you can’t make money from, you always have the option of donating or recycling them.

Take advantage of cashback:

There are a lot of ways you can earn money online, some of which involve nothing more than carrying out your regular activities! Cashback websites are great for helping you get money back on your purchases, with no catch. Most top retailers can be found on cashback websites. Not only that, but many cashback retailers can also help you find discount codes online – helping you save even more money on your purchases.

Spending your free time making some extra money can be an easy way to build up your Christmas fund. Not only that, but it could lead to something more permanent that could help you increase your savings in the New Year!

Featured Image By: Unsplash

Side Hustles You Could Turn Into A Full-Time Career

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Side Hustles You Could Turn Into A Full-Time Career

A side hustle is a great way to earn some extra money. It’s also a way to pursue your interests, and it can help you build skills that might not be possible with your regular job. Some side hustles can even lead to bigger and better things. If you’ve wanted to make a career switch or you want to pursue your life’s passion, then a side hustle could be the beginning to helping you realize this.

Are you interested in knowing what’s out there? Here are some amazing side hustles you could turn into a full-time career:

Copywriting:

Copywriting is a popular side hustle choice. Businesses and individuals need copyrights for their websites, social media channels, etc. which puts copywriters in demand. If you’ve got great writing skills and are good with a deadline, then becoming a copywriter could be an excellent way for you to make some money. Eventually, you could decide to make the switch to a full-time copywriter, either for a business or on a freelance basis and choose a career path that’s flexible and relevant to your skills.

Realtor:

Do you love all things HGTV? Then becoming a realtor on the side could be a fantastic way for you to pursue your interest. Of course, you’ll need a real estate license to be able to become a realtor, but it’s a qualification worth having if you’d like to pursue the role full-time. Some people start out their real estate career helping friends and family or working weekends, which can help you to earn some extra income while you get yourself established.

Photographer:

Are you a talented photographer? Why not use your skills to become a photographer as a side hustle? From photographing events and weddings to selling photos to stock websites, you could make a great second income from photography. If your photos are good and you market yourself well, word will soon spread – allowing you to easily turn your photography work into your full-time job.

Selling online:

Interested in starting an online shop? Many people make great side hustles from selling on eBay or Etsy. If you’ve got a talent for making things or an eye for vintage apparel, selling online can be an enjoyable way of increasing your income. If things take off, you could look at starting your own online business and start selling from your own website. What might start out as a hobby could soon be an amazing way to take charge of your career.

Having a side hustle can be a simple way to top up your earnings, while also making the most of your free time. While there are many people who enjoy their side hustle on top of their regular work, there are also plenty of people whose side hustles become a full-time career. Take a look at opportunities to boost your career through life-long learning; you never know where these additional skills could take you!

Featured Image By: Unsplash under Creative Commons

Personal Loans: Why Choose A Moneylender Over A Bank

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Personal Loans: Why Choose A Moneylender Over A Bank

A loan can be a godsend, especially when you are consolidating debts. It can be unsecured, so you do not have to borrow against any valuable assets you own. This makes it less risky for you in case you run into some trouble in the middle of your personal loan’s tenure. As you can use the money for mortgages, revolving lines of credit, or wherever you see fit, you will be less pressured to explain where you will use it. In fact, you may not even be asked about it at all.

If you are planning to apply for one soon, going to a moneylender in Singapore may be more advantageous than dealing with a bank. Why? You can find out more about it below:

Decreasing Interest:

Unlike bank-issued loans, those offered by moneylenders do not come with fixed interest. This is good news, as the extra money you pay to borrow the cash decreases every time you make payments. In a way, you are incentivized not to miss your repayments. For instance, if you borrowed $20,000 and you have already paid $8,000, only the remaining $12,000 would be considered for interest computation.

Quick Approval:

Moneylenders do not process loan applications when there is insufficient documentation, but you can expect less paperwork. Banks are notorious for tons of paper requirements, rendering the entire process a bit more cumbersome. If you are in a hurry, walking into a moneylender’s office should be your priority. If you bring everything you need to get your creditworthiness assessed properly, you may receive the money as fast as 24 to 48 hours.

Flexible Repayment:

Compared to banks, moneylenders are more lenient when it comes to repayment plans. They are more open to unconventional terms because they make every effort to help their customers avoid non-payment. On the contrary, banks have strict rules in place. Individual branches do not come up with their own regulations, and they only follow orders from their higher-ups. In many cases, the hands of bank representatives are tied and cannot accommodate special repayment requests. Negotiate all you want, but that could go futile.

No Discrimination:

Singapore banks only cater to citizens and permanent residents. They mostly do not entertain loan applications from foreigners living in Singapore. In addition, traditional financial institutions are not usually interested in borrowers whose annual income is less than $20,000.

Moneylenders have minimum income requirements, too, but not as much as banks. They serve customers who earn less than $10,000 per year. Their doors are also open for foreigners residing in the country. The maximum amount a borrower may qualify is based largely on their annual income and residency status, but everyone (except tourists) is welcome to apply.

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Admirable Lending Behavior:

The moneylending industry is highly regulated in Singapore to protect the best interests of its borrowers. The government provides a Registry of Moneylenders, making it easy to identify whether a business can be trusted or not. If a licensed moneylender misbehaves, the authorities encourage you to report any unacceptable behavior.

Banks and moneylenders have unique selling points, but the latter is more appealing to most borrowers. Shop around as hard as you can and use the competition to get the most favorable personal loan available.

Pricing Your Products The Right Way

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Pricing Your Products The Right Way

Much has been said about gaining the trust of your customers. You need to have great branding efforts and your marketing materials should be engaging enough to draw them in. However, building trust goes beyond all of these. You need to show that your brand is genuinely caring – that you will always provide them with products and services whenever they need them. You shall act as a friendly advisor. On top of these promises, you have to be fair. Fairness is among the values that establishes the foundation of customer relationships. One way of exemplifying fairness is through pricing the products the right way.

Many business people, though they are genuinely caring, often make the mistake of putting up a high price tag. Your goal is to earn profit, but that does not mean that you will not be transparent with your dealings. You just don’t give prices without any basis. There are a lot of factors that come into play. Here are some of them:

Gauge the market:

The market shall always be your compass when determining the prices of your product. Just look at your competitors. They may be offering the same products and services, and you have to know how much they are charging. By simply looking at this factor will allow you to play the game with your ear. If you charge too much, your customers will go to your competitors. When your prices are too low, there will be risk of overwhelming demands, which in turn may compromise the quality of your offerings. Find the middle ground and take it from there. You can use various price monitoring tools in this case for guidance.

Consider your costs:

Sometimes, you will need to look at your own resources and production to gauge how much you are going to charge. You need to have a breakeven and even get your ROI. Otherwise, you will experience loss, which is not a good thing. Take into account other factors besides product development and manufacturing and include overheads, such as rent, staff salary, and marketing in your list.

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Talk to your customers:

Before you release or launch a new product, you have to talk to your customers first. Find out if they are willing to spend their money for the product or service you are releasing. You can conduct a survey or a focus group discussion to make this prospect easy.

Look at the economy:

You will also have to look at what the economy does to various industries. The effects of macroeconomic activities trickle down to businesses. They affect the prices of raw materials and manufacturing services. The price of your products should depend on the costs you incur at a specific economic phase.

The price is right, that should be the guiding principle you follow when deciding on the price tags of your product. When you price the products right, you are showing your commitment to being transparent and building trust. Pricing the products the right way should not be difficult, as there will always be methods and tools that will help you.

How To Prepare For The Sale Of Your Home

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How To Prepare For The Sale Of Your Home

Selling your house is an exciting time, but it can also be quite stressful with all of the things you need to plan for and take care of – especially if you’ve never done it before. To make the process easier on you, in this post we’re going to share with you some of our top tips on how to prepare for selling your house:

Pick a good estate agent:

The very first step when it comes to selling your house is to ensure that you have a good estate agent who will be there to make the process as easy as possible and help you with any questions you have or any issues that arise throughout. Although there’s no foolproof system for finding an estate agent who does a good job and who you can trust, a good way to go about it is by asking for recommendations from friends and family who have sold or bought through a specific agent and then contacting them. Another option is by doing a search online in your local area, for example, for an agent with good reviews and see what you can come up with.

Carry out repairs:

Once you’re starting to prepare the house to get ready to sell and conduct viewings, then it’s going to be a good idea to start carrying out the repairs that have been getting put off and that really need done. This will also give a much better impression with the new potential owners, so it’s a good idea from an investment point of view. Whether it’s repairing floors, fixing a leaky pipe, installing a new Tsurumi submersible pump, or even fixing the roof, get these things done before you even start conducting viewings.

Have your paperwork ready:

Selling a house is a big task that involves a lot of paperwork, so making sure that you have everything ready on this front is very important and will make your life so much easier – especially if you’re looking for a faster sale or need things done in a certain way. You can speak to your bank and estate agent as well as your lawyer about the kinds of paperwork you need in order to get everything organized, but it’s definitely a good idea to do this as early as possible so that everything can run smoothly and you’re not rushing around trying to gather things that you don’t have.

Make sure everything is well presented:

If you want to sell your house, then you want to entice potential buyers and they’re not going to be interested in buying from you if your house is a mess, the garden looks like a jungle, and it looks like nothing has been taken care of since you moved in. Make sure that the place and the surrounding areas are clean, tidy, and free from clutter and, in some cases, it could even help you raise the value of the place a little before you sell it, which is never a bad thing!

Use the tips above to ensure that your sale goes smoothly and happy moving!

Featured Image By: Pexels

How Much Is My Face Worth?

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How Much Is My Face Worth?

Hiiii! Makeup is something that I definitely enjoy, but I would never say that I go overboard with my beauty product purchases. However, that doesn’t mean that I don’t like splurging every now and again! And that begs the question of how much is my face worth. I’m also going to include my hair styling necessities, since that is a major part of my look, as well. Let’s find out together, because now I’m curious!

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A typical MOTD for yours truly looks a lot like the look above plus or minus the lipstick. The products and cost of what I use to achieve that MUG are the following:

Eyes:

Brows: Microbladed by La Marie Brow Club

Mascara: I use a combination of mascaras to get the super bold, fanned out look but the main component is Better Than Sex by Too Faced. This mascara runs for twenty-four dollars per tube.

Eyeshadow: My favorite eyeshadow to use is a gorgeous metallic bronze shade from The Body Shop. When the store that I live by had their half off closing sale, I purchased quite a few of them for six dollars each. Not bad!

Face:

Blush: Like my mascara, I use a combination of blushes to create just the right color. I use Maybelline’s Dream Bouncy blush in Fresh Pink which costs about eight dollars per compact. I also use a warmer baked orange shade from The Body Shop over the Fresh Pink to make a nice, summery glow over the pasty pale, which gives a contrast that I love. That blush is called Macaroon and I got it for close to eight dollars, as well.

Highlighter: The highlighter I’m using right now is Sephora brand from their Golden Hour collection in a shade called Dusk. I like this highlighter a lot and it was the cheapest one in the store, costing me nineteen dollars.

Shimmer: To finish the makeup on my face, I use the Blush On Radiance beads from The Body Shop to tie everything together with a shimmery finish. One jar lasts me such a long time and is twenty dollars.

Lipstick: And, of course, my lipstick! I use a matte shade called Pure Red by NYX and it is six dollars per tube. It is absolutely divine and I have never used a better lipstick in my life.

Hair:

Leave In Conditioner: To keep my hair silky smooth, I use the Mistress Leave In Conditioner by IGK. It’s a bit more pricey at twenty-nine dollars. But, I’ve been using the same tube since September and I literally can’t live without it.

Heat Protecting Spray: I am currently using a heat protecting spray by Tresemme that I’ve had since August. It cost me seven dollars for the bottle, making for an insanely cheap cost per wear!

Hair Dye: Of course, I would be nothing without my signature red hair. Nothing, I say! The Vidal Sassoon Runway Red color from the London Luxe collection is all I will ever use and, at ten dollars per box, I can definitely swing that!

Hair Straightener: My Hot Tools hair straightener from TJMaxx was twenty-five bucks and it had to be included on this list because if I’m doing my makeup, then I’m definitely straightening my hair to complete the look. This flat iron works great and the products that I use definitely work well along with it.

Grand Total: $162

This sounds crazy because one hundred and sixty-two bucks is a pretty big number – BUT, I’m actually really happy with it… I thought it was going to be higher! I make an honest effort to use more budget friendly brands than high end and I think that number shows for it. My makeup lasts me a long time because I try to take good care of it and use it until its completely done and the cost per use of each product makes those purchases well worth it.

How much is your face worth? What is the cheapest and most expensive beauty product you use? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah