Tag Archives: fyi

How To Better Protect Your Money

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How To Better Protect Your Money

If you want a secure life, then you need to look after your money. Money buys security and can prevent you from a lot of stress and worry. It is not a good feeling wondering if you can pay the heating bill this winter. As we get older, this security is ever more needed. We are going to have to retire with no real set income coming in and making do with the money we protected in our youth. So, let’s discover a few ways we can protect our money better:

Get Out of Debt:

If you have debts, then you must get out of debt and stay out of it too. There is nothing worse for your finances than paying interest rates. This is a great way to have nothing. If you can, contact your creditors and increase your payments to get rid of the debt as fast as possible. For some of you, it may be wise to enlist the help of a financial planner. You may be able to consolidate all your debts to make them far easier to understand and more manageable. 

Learn to Live Within your Means:

A lot of people spend more than their wages every month, which means they dip into their overdraft. If this is a continual thing, you will end up further and further into your overdraft and this leads to debt. It is not like a mortgage where you will have something at the end of it, it is simply wasted money. So, you need to start living within your means. There are many methods to do this. First, you need to become more financially aware so you need to track your spending better. You can download a banking app if you have not done this already and keep an eye on your balance. You can even set alerts to message you when your account is running low. Other methods include disabling the contactless feature on your bank card, trying to save your income that is not used for essentials, and only using a set amount for spending cash. You also need to learn how to practice delayed gratification. Instead of caving into your urges to buy something, you need to wait and see if you still want it in thirty days or once you have saved the cash for it.

Invest:

Investing wisely is one of the best ways to protect your money. Unlike savings, you can actually invest and keep up with inflation. One of the best ways to do this is invest in property. Buying your own home is wise. It can actuary end up being a lot cheaper than renting. A dual occupancy home from Meadan Homes, for example, allows you to rent out part of your home and make money on it too. Other ways to invest are with bonds, either corporate or government, the stock market, and collectibles. Investing in yourself is another great one, meaning paying for a higher education. You can do things like side hustles too, which is essentially running your own business and giving you valuable experience.

Spending money is an obvious part of life but you need to be smart about it to keep increasing your savings. Get started with the tips above today!

Featured Image By: Pixabay

Coming Soon To lifewithlilred

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Coming Soon To lifewithlilred

Hello! You might have noticed something severely lacking in the content department here on lifewithlilred and that is OOTD posts. For a while, I was so happy to have almost weekly photo shoots to share with all of you that coincided with date days with Johnny. Then, the metaphorical shit hit the fan and date days just weren’t an option due to pure and utter chaos in Lil Red’s world. That is why I am so pleased to say that coming soon to theaters everywhere will be not one, nor two, but THREE new OOTDs on lifewithlilred!

Three?! Yes, three. This past week, Johnny and I had not one, nor two, but THREE Thanksgiving celebrations and you’re not going to not look your best when you’re just sitting there eating lol. I have missed having some fashion fun so I am very excited about this recent development and hope that all of you are too. I also have my fingers crossed that all of these clothes will still fit after three Thanksgiving feasts. 😀

Tune in tomorrow for outfit number one from my Thanksgiving look book and, for now, enjoy some pictures of your favorite Lil Red blogger and JOHNNY!!

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^^^ Besties! ❤

What is your favorite Thanksgiving food? How did you celebrate Thanksgiving? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Black Friday Shopping Pro Tips

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Black Friday Shopping Pro Tips

Hello!! I can hardly believe that it is Thanksgiving this week and, of course, with Thanksgiving comes Black Friday. I have actually never shopped during Black Friday before. However, I worked retail for about five years and have five insane Black Fridays under my belt to show for it. During this time, I acquired a lot of pro tips for a successful Black Friday so keep these in mind when you set out for your day of shopping:

Check The Store Hours:

This might seem like a no brainer but it needs to be said since so many stores have updated their Thanksgiving/Black Friday hours in the past few years. A lot of places are no longer open during Thanksgiving evening and that is a wonderful thing. But, you will need to know the store opening and closing times to go about planning your day. This way, you can stagger your shopping and pencil in driving/waiting time if, for example, Target opens at midnight on Friday and Best Buy opens at two AM.

Have A Plan A, B, & C:

A ton of people are very serious Black Friday shoppers and the chances are high that you won’t walk away with everything on your shopping list. This is why it is a MUST to have a plan B and C in place for the items you want that are no longer available. It will also save you the time and frustration of scrambling on the spot to find something else.

Maximize Efficiency:

If you have never shopped or worked Black Friday, you can only imagine how crazy it really is. Jam packed stores, frazzled employees, and picked over inventory are all things that can slow your shopping down. If you know that you are going to need help from an employee, you can help them too! Have pictures of what you want pulled up on your phone or printed out so you can get an immediate yes or no on if it’s still available and where it would be in the store.

Fuel Up/Hydrate:

Crowded stores will get incredibly stuffy really quickly all over top of the fast paced atmosphere of the day. I don’t think I have to spell it out for you why a fall or other medical emergency is dangerous on Black Friday! For that reason, it is so important to make sure you have ate and are properly hydrated. Keep water bottles on hand and snacks in the car and do make sure you make a reservation at a restaurant if you plan on eating out so you know you will have a table.

Just So You Know:

So many people think that once Saturday rolls around, the Black Friday deals are simply over and that is not the case. SO many stores continue to offer Black Friday prices and promotions for several days after the fact. While Black Saturday doesn’t have the same ring as Black Friday, you are more than likely still going to receive a deal. Speaking of deals, remember that you might not be able to use coupons or rewards perks on top of a Black Friday deal so do your research to see which option will save you the most money.

Finally…

This is the time of the year when stores are hiring seasonal workers and a lot of them might not have much retail experience. In fact, Black Friday was one of my first shifts at fifteen and a half. Please keep this in mind and keep your cool because the day is already stressful enough for an employee without getting yelled at by angry customers too. If you think you could do a better job, then put on a name tag and get to work! 🙂

Shop smart on Black Friday with the tips above so you can walk away with something for everyone on your list… And maybe something for yourself too! 😀

Have you ever shopped or worked on Black Friday before? What was your experience like? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Repairs That Can’t Wait

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Repairs That Can’t Wait

If you look around your home, there are sure to be some issues that could use a little attention. Squeaky doors, threadbare carpets, or an unsteady shelf are annoyances but not necessarily things that need an immediate solution. On the other hand, there are some problems that you shouldn’t wait to fix. We’re talking appliances and fixtures in the home that can prevent you from living your normal life. Let’s discuss further:

Appliances:

Broken appliances are the first thing that comes to mind when you think of things that could alter your normal routine. A washer or dryer on the fritz means a trip to the laundromat. Broken refrigerator? Say goodbye to all of your perishable food. And, of course, a nonfunctional oven means spending additional money on takeout. These are all issues that need to be repaired ASAP as the longer you hold off could lead to even more costly repairs or become a safety hazard.

In the instance of a broken appliance, it is so important to call in the professionals. You also want someone who specializes specifically in your problem, say for common stove issues and solutions. If you have a newer appliance that is malfunctioning, the repairs might be covered under a warranty if you purchased one so do check on that to help save money.

Weather Related Issues:

It is never a good thing when the weather outside is coming into your home. This means drafty doors, cracks in the walls, or leaks and breakages in the roof. Not only can this invite pests into your home but it can also be a major health and safety hazard for you and your family. An out of shape roof or leaks can cause mold and damp, which can exacerbate issues like asthma. Drafts and cracks can also make for bitter temperatures inside your home come winter. These are all problems that should be prioritized for everyone’s well being.

Heating/Air Conditioning:

A too hot or too cold home is just downright unpleasant and could mean that something is wrong with your HVAC system. The solution might be as simple as a tune up or a few replacement parts or it could be a complete overhaul of your system entirely. Remember, it is best to have a professional check on this annually for the comfort and safety it provides. Stifling temps indoors in the summer can lead to someone overheating while too cold in the winter can cause flooding and frozen pipes. A freshly repaired HVAC system will keep your home just right all year round.

When you are considering repairs, priority number one should always be if the problem is effecting your family’s comfort and safety. If it is, then it is time to call a professional!

Safe Haven: Improve Your Home’s Security

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Safe Haven: Improve Your Home’s Security

Your home should be your ultimate safe haven and it can be scary when it doesn’t always feel that way. Whether your place needs extra protection or you simply could benefit from the peace of mind, there is a fix for whatever you need! Let’s look at a few ways to improve your home’s security so you can feel perfectly safe and sound:

Meet The Neighbors:

Socializing can, admittedly, be a pain. However, knowing your neighbors is a free way to have an extra set of eyes on your home. And, who knows? You might just make a friend! A neighbor who you’re on friendly terms with will be able to keep an eye on your house while you’re on vacation or simply pick up a package while you’re at work all day. Regardless, it can only help!

Outdoor Property:

It makes sense that your belongings indoors are easier to protect than the things outside of your home. This goes for cars, outdoor furniture, and gardening equipment. To rectify this, you can protect the Range Rover with an anti theft system and the same goes for any other type of car. You can also install motion lights on your property, which is a great deterrent for an uninvited guest.

Privacy Hedges:

Whether you want extra protection or simply some beauty is your call! Privacy hedges can come in all shapes and forms from huge hydrangeas and rhododendrons to tall grass and trees. Either way, it’s going to be pretty and keep your windows or outdoor seating areas out of the line of sight of people who pass by. Hello, most beautiful house on the block!

Make Necessary Repairs:

Flimsy doors, windows, and locks are an open invitation into your home. For your replacement fixtures, think strong and durable. While you don’t need to turn your home into a bank vault, a little extra oomph in the sturdiness department will certainly go a long way. Don’t forget a camera doorbell when you are revamping your front door for an additional peace of mind.

Better home security doesn’t always mean spending a fortune on cameras and systems. Sometimes, it just means planting some large growing flowers or getting to know the people who live next door to sleep easier at night!

4 Solutions To Reduce Your Carbon Footprint

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4 Solutions To Reduce Your Carbon Footprint

Everyone should be trying to keep their carbon footprint to a minimum as much as they can. This means that you are going to be affecting the planet a lot less as an individual. It also means that you are using less energy in general too, which has many other benefits such as helping you save money. How can you make sure you are doing this properly? In this post, we’ll take a look at a few of the long-term solutions for reducing your carbon footprint that you might want to be aware of:

Change How You Heat Your Home:

One of the first things you might want to do is change how you heat your home. Doing this is going to mean that you are much less likely to waste carbon, and it’s the kind of thing that can provide you with a genuine long-term solution. For instance, one of the best heating methods in terms of low carbon output is to use All Seasons Energy and their air source heat pumps, so they are definitely worth thinking about here.

Take A Look At Your Commute:

There are all sorts of ways to commute to work, and you need to make sure that you are choosing one that is going to be as eco-friendly as possible. That would include taking a bicycle, walking, or using public transport – really anything other than traveling privately in your own car. Maybe start an office carpool crew?

Be Careful With What You Eat:

Your diet is another thing that you can look into if you want to make sure that you are keeping your carbon footprint as low as possible. There are a few important changes in particular that are worth thinking about. For one thing, you should aim to eat as few animal products as possible, because the processes involved in rearing livestock is often very carbon heavy. You might also want to think about eating as local as possible for similar reasons, to avoid the carbon produced through transportation.

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^^^ Pexels Image

Avoid Fast Fashion:

When it comes to environmental awareness, the fashion industry has a lot to answer for, being an industry that is predicated on the idea of always buying something new. If you want to keep your carbon footprint small, you should make sure that you are avoiding fashion of this kind, in favor of hanging on to clothes as long as you can or shopping at secondhand stores.

Keeping your carbon footprint to a minimum will help you do good for the planet and your bank account. Talk about a win/win update to your lifestyle!

Featured Image By: Pexels

Exercise Safely With These Tips

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Exercise Safely With These Tips

Exercise is, of course, really good for you and something that you should do regularly if you want to be as healthy as possible. However, if you are not careful it can also prove to be harmful to you, especially if you are not taking the appropriate steps to mitigate those potential harms. Exercising safely is one of those things that you need to know about if you are going to look after your body properly while getting fit. Let’s take a look at what you should do while working out:

Warm Up & Cool Down:

Warm ups and cool downs help you to avoid suffering any injuries as a result of using your muscles too quickly or too much. This will help your muscles to be more limber and more likely to actually work as they are meant to. If you are able to do this right, then it’s going to make working out more comfortable and less likely to harm you, and that is what we are aiming for here.

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^^^ Pexels Image

Care For Your Muscles:

You need to make sure that you are caring for your muscles, especially if you are going to be doing a lot of exercise and if some of it is quite rigorous. If you are planning on doing a lot of muscle-building, in particular, you need to ensure that you are properly looking after your muscles in your daily life. One thing that can help is to make sure that you are getting a regular massage therapy session booked in, as that will help to remove the knots in your muscle and all of that tension.

Take It Slow:

Although you might be keen to progress as fast as possible, it is important for your body that you are taking things fairly slow and easy. If you push yourself too hard, you are only going to find that you end up causing yourself harm, so that is something that you will obviously want to avoid doing. Taking it slow is one of those things that you can easily do if you want to, and you will find that you really make a huge difference this way.

Understand Your Limits:

Again, you might be keen to try and break through your limits, but you still need to respect them in their own way too. Understand where your limits are and push forward at a steady pace. You should find that this helps to keep your body safe as you exercise and will limit the chances of suffering any injuries.

Working out works when you are doing it right. Respect what your body needs and you will achieve a work out routine perfect for you!

Featured Image By: Pexels

Simple Solutions For A Pest Free Home This Winter

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Simple Solutions For A Pest Free Home This Winter

Pests are not something that anyone wants to have around the house. However, these little creatures sneak into our homes when the weather outside is cold and dry. They look for places with minimal airflow and humid conditions as these help them thrive in such situations. Keeping your home pest-free during  the winter is not an easy task. The best way to prevent pests from sneaking into your home is by checking possible entry points at all times. Here are some tips to keep your home pest-proof this winter:

Maintain a clean and tidy home:

Cleaning and tidying up your home are essential to keeping your home pest-free. As a part of your regular cleaning schedule, keep your house free of clutter. Make sure to eliminate all messes that may be providing shelter to pests. Pests love dark, humid, and warm places filled with tiny particles. Regular cleaning will help you keep favorable conditions for your family and not pests.

Seal up your home correctly:

Doors and windows are the most common entry points for pests. Make sure there is no gap between the window and the frame and that house doors are tightly fitted against the jamb to prevent pests from entering your home. Roofs and foundations are other areas where pests can quickly enter your home. Make sure there are no gaps or cracks in these areas too.

Use pest control services:

If you cannot control pests on your own, hiring professionals for pest control services is a good idea. They will help you identify the pests that have entered your home, determine the best way to remove them, and prevent them from returning. If you opt for pest control services, make sure to do your research and learn more about the services available. You should look for companies with a good reputation, eco-friendly chemicals, and knowledgeable staff.

Use essential oils:

Essential oils are natural and non-toxic. They can repel pests without causing any damage to your furniture, carpets, or walls. Moreover, they do not leave any harmful residue behind. They have a strong smell and can be used to keep pests away. You can place them in a diffuser or even use a cotton ball to rub them on door knobs, hinges, or any other area where pests might enter your home. Apart from pests, these oils can also be used to repel mice and other insects. Choose peppermint, eucalyptus, or lavender to help keep your home pest free this winter.

Pests are a real problem that can affect the health of your family. Keep on top of the tips above to keep any unwanted guests at bay!

Featured Image By: Pexels

4 Ways To Fortify Your Home From The Elements

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4 Ways To Fortify Your Home From The Elements

There are plenty of fun and unique ways to make your home more comfortable and match your style. However, you also need to think about protecting your home. While this may not make it comfortable in the traditional sense, it’s still a vital component of maintaining your home, especially from all types of extreme weather. Whether you own your home or are renting the property, here is some advice to keep you as safe as you are comfortable all year round:

Keep Out the Storms:

If you live somewhere that gets more rain than you’d ever thought possible, you need to make sure you keep your house secure from the water pounding at your door like a particularly aggressive salesperson. Storms can often cause much more damage than you expect, which is why plantation shutters and robust guttering are essential. The shutters offer a sophisticated yet protective barrier, while guttering will direct heavy rainfall away from your home to prevent flooding in the basement.

Repair Your Insulation and Ventilation:

You should also focus on improving insulation and ventilation within the house. This is beneficial throughout the year, helping your home remain warm during the winter while allowing it to breathe during the blistering summer months. This is especially important if you live in an older property, as the existing features may have worn down or are unsuitable for the current climate. An inspector can check your house and provide advice to give you an idea of what you need to do to make the house more livable.

Check Your Pipes:

The drastic temperature drop during winter means there’s a chance that frozen water occurs within your pipes if they have not drained correctly. This can cause severe problems if you are not aware of it, and your home may flood if you don’t get ahead of the issue. You can use foam insulation strips to cover the pipes and keep the water from freezing. Draining the pipes regularly will also reduce the chances of ice forming. Again, it may be worth getting the pipes inspected to check that they have not rusted or disintegrated.

Invest In Dehumidifiers:

Many people think a dehumidifier is only necessary if you live in a humid part of the country, but this is not the case. Dehumidifiers can reduce the risk of mold in your home no matter where you are. This improves the air quality and prevents respiratory problems that could lead to even worse issues. Identify the dampest parts of your house (typically the basement or laundry room) and install the dehumidifier. By doing this, you should keep damp from spreading throughout the house and make it easier to breathe, especially during rainy seasons.

You don’t need to raise the battlements and invest in a moat (although that would be cool). Instead, these tips can help you keep your home safe from the elements all year!

Featured Image By: Unsplash

How To Lower Your Home’s Dust Levels

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How To Lower Your Home’s Dust Levels

Dust is a significant problem in many people’s homes. It seems like no matter how much time you spend cleaning and dusting, it is never enough and the dust never stays away for long. This can be a problem because not only does it look unsightly, but if you suffer from allergies, dust can cause you to feel less than your best! Thankfully, there are a number of things you can do to lower your home’s dust levels once and for all:

Make sure you have door mats:

Door mats are a simple solution that helps to prevent various debris from being tracked into your home. If your guests wipe their feet before entering, they will not bring in dust and dirt that can cause problems in your house. It really is that simple.

Install new windows and doors:

If your windows and door are older, then talking to a replacement windows and door company about installing a new set that fits more snugly could be a good move. The tighter the seal in your windows and doors, the less likely it is that various debris, including pollen and pollution from outdoors will get inside your home where it can turn into dust and cause your allergies to flare.

Wash sheets every week:

A lot of dust in the home comes from our own skin. Our bed sheets and pillows are a prime location for this dead skin to accumulate and turn into dust, while also providing dust mites with a nice meal. Hot washing your sheets and pillowcases at least once a week is a good way to keep dust at bay.

Wash pets regularly:

Pets can also cause a lot of dust with their skin and dander, so washing them and grooming them at least once a month will help to lower dust levels in your home. Vacuuming daily when you have pets is also essential if you are serious about keeping things dust free.

Get rid of carpets:

Carpets and rugs may look cozy but they are a breeding sport for dust and bacteria. When you walk on carpets, whether in shoes or barefoot, you will deposit, dirt, skin, and other debris into the fabric, which is very difficult to move without lots of regular vacuuming and dusting. On the other hand, hardwood floors and tiles can be wiped clean in seconds, removing all of the accumulated dust quickly.

Invest in an air purifier:

An air purifier is a simple device that is able to filter dust and pollution particles out of the air. Having one in as many rooms of your home as you can will make the problem much less significant.

As you can see, it is possible to lower the dust levels in your home significantly, to the point where you will not notice it nearly as much, nor will you need to spend as much time removing it!

Featured Image By: Pexels