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Sep6

4 Tips For Buying A Lake House

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4 Tips For Buying A Lake House

Maybe you’ve always wanted a place to take the kids during the summer. Maybe you’re just trying to get away from it all. Whatever your reasons for considering the purchase of a lake house, here are four tips for making a smart decision about lakeside real estate:

1. Make a List

How big does it need to be? What features are you hoping to find? What amenities would get you excited? This doesn’t have to be a hard-and-fast list that you can’t deviate from; it can be a flexible collection of ideas that will get you thinking about what you desire in your future lake house.

2. Consider the Location

Location is one of the most important aspects of buying a lake house, especially if you’ll be responsible for maintaining the land around it. You might wind up needing something like weed control for lakes to keep nature from taking over. You’ll also want to think about climate, soil, shade, and the view from your windows.

Don’t be afraid to shop around for the location that is “just right” for you. Whether it be close to where you lived previously or in an entirely different state, you want your lake house property to be relaxing, safe, and family friendly. If waterfront property in your area is lacking, there are 55+ communities in Tennessee that boast lakeside views as well as communities along the different Great Lakes. Road trip, anyone?

3. Look Into the Owner

Once you’ve found a potential lake house, make sure that you do your research about its owner. They should have a clean, non-criminal record, and the house shouldn’t have any weird leasing issues or documentation mishaps. If you ever suspect that your lake house deal isn’t legitimate, don’t be afraid to cut your losses and walk away. A little firmness now can save you a world of trouble tomorrow.

4. Think About Year-Round Upkeep

If you’ll only be vacationing in the lake house once or twice a year, what will happen to it when you’re not there? Will you rent it out? Will you hire someone to maintain it? How much will it cost? Think about these things before committing to a particular land or cabin purchase. The little details could end up being a big deal.

These are just a few tips for finding, selecting, and evaluating a potential lake house. They can be a great investment for the future, but you’ll need to know what you’re doing before you sign on the dotted line. Good luck!

Sep6

Preparing To Attend A Baby Shower

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Preparing To Attend A Baby Shower

Baby showers are a traditional way to celebrate pregnancy and the introduction of a new life into the family. Family members and friends gather to shower the expecting mother with a variety of cards, gifts, supplies, advice, love, and support. There are usually fun games to be played and delicious refreshments to be served, as well. Below are some tips if you are attending or planning a baby shower soon:

Purchasing the Gift:

At a typical baby shower, the most common gifts include newborn clothing, newborn sized diapers, blankets, and bathing supplies. This is especially true when the gender is kept a secret, because all of these items are gender neutral baby gifts. It’s always a great idea to purchase useful items that other people may not think of, such as larger diaper sizes (2’s or 3’s), diaper pail liners, unique gift baskets, high quality cloth diapers, wipe warmers, matching clothes hampers, car window shades, or adorable “emergency” kits for the new mother’s diaper bag. Check out Kaiby Prime for baby hampers that make great gifts too.

While the mother to be probably has a registry, you might want to go with more unique but equally thoughtful options from stores that people haven’t thought of. Shop around with Nuna, Premium Car Seats, Pushchairs, and Baby Gear AU for all of the things that the soon to be mommy can be gifted with.

Cards & Gift Cards:

When selecting a card, be sure to leave a message for the mother and a message for the baby. This card may be handed down to the child when he or she is older, making these little notes very special. If a gift card is to be inserted into the card, be sure to choose a very popular retail chain where the mother could purchase baby supplies; she might decide to stock up on diapers before the baby arrives.

Be Ready for Games and Food:

Most baby showers feature fun games for the guests. These games may involve guessing the number of candies in a jar for a prize, blindfolded drawing contests, baby food identification, or bingo. It is important to dress comfortably, especially if the shower is held outside during the warmer months. Since most showers also offer food, it is recommended to eat a light snack before attending. Guests are always encouraged to take full advantage of the food, if it is provided!

Baby showers are fun, care-free, and casual parties that are meant to bring friends and family together in a joyous celebration of a new life. When attending one’s first shower as a guest, it is relieving to find that they are quite easy to prepare for!

Sep1

Weekend Update: Sick AF Edition

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Weekend Update: Sick AF Edition

Hiii everyone and happy weekend! You might have noticed that I haven’t been very active on my page this past week, even though I had posts publishing, cause pre-writing. And, that is because I came down with a really nasty bout of the flu. It. Was. Awful. What started out as an earache on Tuesday morning led to full blown incapacity by the early afternoon and I was completely down for the count.

We’re talking a fever that reached to 103 at its peak, a sore throat, an earache, chills, sweats, soreness all over, and not a snowball chance in hell of being able to eat anything. I would sweat so badly at night, that I’d wake up and see red all over my sheets because it made my hair color bleed! I am writing this post on Friday afternoon and am just now feeling semi-normal, even though the morning was really rough.

Because of my mom’s ongoing health struggles, I had to be quarantined to my bedroom for three days. This sucked on ice, because my room doesn’t have a TV! But, I was honestly so out of it that it didn’t even matter. Everything that I tried to do from taking a sip of water to swallowing much needed medicine caused me so much pain that there were points when I just started crying. It was totally and completely miserable.

But, after what felt like an eternity, I am finally back on the blogosphere and all I gotta say is thank gawd for pre-writing! I was so pleased when I discovered that all of my days away were covered because I had totally forgot! And, of course, I am so glad to be feeling better and back with all of you here on lifewithlilred. ❤

Aug28

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! 🙂

Aug18

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

Jul28

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

Jul27

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

Jun25

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

Jun18

Signs You Might Struggle To Get Pregnant

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Signs You Might Struggle To Get Pregnant

So, you’ve started to get broody for a baby. You’ve been trying for a while now and you still haven’t gotten the result that you long for. It could be that it’s just taking a while for things to get going, but since around 10 percent of the female population struggle to conceive, it could be something more.

To find out for sure whether you might struggle to get pregnant, you need to see a fertility doctor as soon as possible but, in the meantime, here are some signs that you could find it hard to conceive:

You’re Over 35:

These days, more of us are waiting way longer to get pregnant, with many women not even trying until their mid to late 30s. Most of the time, this will not cause too many problems, but it is worth noting that once you’re over 35 its could take you longer to conceive, with the average being six months. If you haven’t been able to conceive after a year of regular sex, it could indicate a fertility problem and you will need to get yourself checked out.

There’s No Sign of a Baby Despite Regular Timed Sex:

If you use ovulation kits to calculate when you’re most fertile, you have sex during those times, and there are no signs of a pregnancy after a few months, it’s probably a good idea to have yourself evaluated by the professionals. Click this link to find out more about fertility treatments, and remember that men and women should be tested because 30 percent of cases are down to the male factor. It could be that things are just taking a bit longer to happen for you, but it’s worth finding out so you don’t waste any more time, especially if you are over 35.

You’re Overweight:

If you’re overweight, then it could be impacting your fertility. Not only does excess weight make it harder, but it can be dangerous for mother and baby if you are successful with things like gestational diabetes being more likely to occur. If you’re worried about this, seeing your gyno is a good idea, as is eating a clean diet and hitting the gym a few times a week if you want to boost your chances. It might take some hard work, but it will definitely be worth it in the end.

babyy1

Pixabay Image

Previous Miscarriages:

Miscarriages are more common than you might think, but if you’ve had more than three losses, you should think about seeing an infertility specialist to check that there is nothing medically wrong that could prevent you from seeing a pregnancy through. Many women are scared to do this because they don’t want their hopes to be taken away, but in many cases, there are medical interventions that will help, and if that isn’t possible, you can always click here to find out more about the possibility of surrogacy. There are more options available to you than you might think, but you need to know where you stand before you can make any decisions about them.

You Have a Feeling:

Yes, sometimes feelings can be way off the mark, but if you have an inner-voice that’s telling you that you may possibly have some fertility problems that are preventing you from getting pregnant, and you simply cannot shake those feelings no matter how hard you try, it could be that there is something in it. Us women are highly connected to our bodies and even if we don’t realize it on an intellectual level, intuitively we often know when something is wrong. So, if you feel like something is wrong, see a fertility specialist and don’t feel bad about doing so. If your instincts are correct, your specialist can begin recommending options like prp treatment for fertility, IVF, or ovulation induction.

babyy2

Feelings usually have some truth to them.

If you’re connected with your body, you know what it takes to conceive and you live a healthy lifestyle, chances are it will happen for you eventually, but it’s always worth ruling out illnesses and issues that could be preventing you from getting pregnant just in case.

Featured Image By: Pixabay

Jun15

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.

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.