Tag Archives: fyi

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

Jun26

Lovely Lingerie: Upbra Edition

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Lovely Lingerie: Upbra Edition

Everyone has those articles of clothing that they just hate shopping for. Some find dread in having to purchase a new pair of jeans, others go ballistic over bikini shopping. And, meanwhile, there’s me – who hates, hates, HATES shopping for bras. My breasts are always something that I have been self conscious about because of their size, and it has brought upon a sense of impending doom when the time comes that I need a new bra.

Will it give me proper support?

  Will the larger bras be as pretty as the smaller ones?

Will it fit properly?

Will it give me cleavage that looks appropriate?

All of these thoughts and then some swirl around in my head when a new bra needs to be purchased. But, what if I told you that there was a brand of bras on the market that eliminates literally all of the above problems?

Allow me to introduce Upbra:

Upbra, a California brand, has dedicated over half a decade to designing the technology to bring comfort, support, and perfect cleavage to breasts of every shape and size. These bras aren’t your standard Victoria’s Secret lingerie by any means, because Upbra allows you to customize the amount of cleavage that you get without bulky padding.

Six years of research and design created Active Lift technology, which is featured in every Upbra bra. And, what is Active Lift technology, you might ask? I’m so glad you did! Check it out:

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Now, where was I? Oh, yes. Active Lift technology. You might notice a few different things about the Upbra bras in comparison to your lingerie from Victoria’s Secret.

First:

My personal favorite thing about the Upbra bras are the specially formulated vinyl hearts that act as grippers from the inside of your bra. Not only do they look adorable, but they help to keep your cleavage in check all day by keeping your breasts placed inward and upward as soon as you adjust your cleavage control straps.

And, speaking of cleavage:

Perhaps the most important part of Active Lift technology are the cleavage control straps, which you can see on the bottom band of each bra. The locking system in the bra’s band are connected to platforms within the bra cups, which allow your breasts to be moved upward and inward when adjusted for perfect cleavage every time. The amount of cleavage that your bra gives is completely up to you. For a more natural look, pull and lock your straps just a little for a day on the job. But, for a night out, you can pull a lot to lock and load your girls for after work drinks!

The best part about Upbra bras, though, is that they are made with every size in mind. That’s why it was so exciting when their Miraculous Stay-Up Strapless Bra was released. I know. I initially rolled my eyes, too – because whether you have small, medium, or large breasts, it can feel nearly impossible to find a strapless bra that keeps you lifted all day. That’s why you can always see my bra straps when I’m wearing a top or dress that definitely needs a strapless bra.

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So annoying, right? But you know what’s even more annoying? Wearing a strapless bra that is falling down every second of every minute of every day!!!! That’s why Upbra created their Miraculous Stay-Up Strapless Bra with a grip around the band so that you stay lifted and supported all day. No bra straps required. Check it out and see how I went from Bra Strap Betty to Strapless Sarah thanks to Upbra:

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Upbra’s Miraculous Stay-Up Strapless Bra provided me with the confidence that I needed to go strap free for the first time in my life, and that is so special to me. Say goodbye to straps and hello to support all day and, dare I say, perfect cleavage too!!!

I know that all of my lovelies will be looking forward to getting their own gorgeous lingerie from Upbra, and I’m here to help with that. You can use this coupon code to get ten dollars off of your purchase:

SARUPBRASB10D

How has a good bra changed your life? Where do you do all of your lingerie shopping? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

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.

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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.

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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.

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

Washing the car on a regular basis:

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

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

Waxing:

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

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

Jun13

The Popular Piano

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The Popular Piano

The piano is a popular instrument. It is estimated that in the United States alone, that at least 21 million people play the piano. When the piano was first invented, it is unlikely that its creators understood how popular the instrument would become. Throughout the centuries, the piano has gone through some changes. However, the basics of what the piano is has stayed the same.

When the piano first came on the scene, there was no piano store Boston residents could go to to simply pick up a piano. Pianos were handmade. It took a large amount of effort to create one. However, toward the end of the 19th century, it was possible to mass-produce pianos. As a result, pianos became less expensive, and more people were able to have access to this instrument in their home.

The importance of the piano is seen in the way that being able to play it affected one’s perceived social standing. For example, back in the 18th century, it was believed that a woman was marriage material if she could play the piano. Ooh la la!

The popularity of the piano continues to this day, because it is an easy instrument to play. A person can begin playing the instrument immediately. Regardless of the age of the student, they can press a key and make a sound. Other instruments like the guitar, flute, or saxophone require complicated fingering or controlled breathing patterns in order to make a noise. And, since the piano is relatively easy to play, students can learn the fundamentals of the instrument more quickly.

One of the neat things about a piano is that it allows the player to play the melody and the rhythm at the same time. Beginning students marvel at their ability to play multiple notes simultaneously. The fundamentals of music that are laid out on sheet music for a piano are easy to understand. Concepts that can seem abstract, like half notes or scales, become clearer when you see them laid out on the piano, and beautiful noise is sure to follow!

Jun10

Birthday Freebies

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Birthday Freebies

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

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

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

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

Jun8

Unique Differences In U.S. Military Weddings

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Unique Differences In U.S. Military Weddings

Each of us is dreaming and planning of how to make our special day stand out and worth remembering for everyone. But, sometimes, it’s easier said than done. However, if you are serving in the military, you are an ex-Army officer, or you’re a cadet in the Academy, you are entitled to have a wedding ceremony in a military fashion. Military weddings in the States are different than the typical civil weddings in many ways.

Although they proved to be very hard to organize and plan due to the uncertainty and dynamics of living the military life, there is a big chance that everyone present at the wedding will remember it for all of those little things that are applicable only to these types of weddings. In this article, we’ll give you a number of brief examples of all of the traditions related to military-themed weddings:

Dress Code:

If you’re in the military and you decide to marry your beloved, you will be expected to wear your unit’s uniform, along with all of the medals or ribbons that you might have. And, as there will probably be lots of other military members (most commonly, the best man), they are also expected to wear their Army suits.

In cases when the bride is the one serving her country, there is a tradition that calls for a bride wearing military boots under her beautiful wedding dress. Apart from that, when attending a military-themed wedding, all attendees should wear formal attire if they’re not members of the military.

Arch From the Drawn Swords:

The feeling of walking down the aisle and saying that fateful ‘’yes’’ is even better when you know that there will be a memorable moment after that where you and your beloved will march down the arch made of drawn swords and sabres. Truly a sight to behold and relatable only to military weddings.

Army Insignia:

To spice things up even more and make everyone feel like part of the Army tradition, couples can also opt for engraving custom insignia on challenge coins and presenting a coin to each guest. Professional yet affordable coins can be made by Embleholics on your big day.

It’s also worth noting here that military couples do enjoy some benefits in the form of numerous discounts when it comes to finding a professional makeup artist for the wedding or acquiring pearl wedding rings.

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Unsplash Image

Getting Married on Base:

Military bases of operation usually provide everything for the wedding ceremony and the reception that comes after that. You won’t have a chance of attending a wedding ceremony on base if you are invited to a civilian wedding!

There are many other things that we didn’t mention in this article, but we will leave the rest for you to imagine (although we are pretty sure that you already know of many things that should be added to our little list here). The bottom line, is that military weddings are truly different than other weddings. They never fail to create unforgettable memories and experiences for everyone.

Featured Image By: Unsplash

Jun6

How To Organize Your Photography Portfolio

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How To Organize Your Photography Portfolio

Whether you are a professional photographer or an amateur snapper with ambition, it is sensible to have a portfolio of work that you can show clients, friends, and anyone else who shows an interest. These days, photography is mainly digital, so an online portfolio is the way to go, but even if you still develop your photographs the old-fashioned way, the same tips apply:

Quality Control:

The best thing about digital photography, is that you can take hundreds of photos in a very short time. The bad thing is, that you end up with thousands. Be honest: most of your photos are not worthy of a place in a portfolio. This is not to say that they are no good, but the whole point of creating a portfolio is that you are highlighting your very best work.

The first step in creating a portfolio is to curate your work. Go through your best shots and select the ones that you think are worthy of a place in your portfolio. Don’t just rely on your own judgment, as it will almost certainly be biased. Instead, ask a selection of people to choose their favorite shots based on artistic qualities and technical ability. The photos that make the grade should tick the right boxes for everyone.

Quality control isn’t just about your pictures itself but employing best practices at every shoot so you can continue to grow your portfolio. Come prepared to smile, be engaging, and have fun. Don’t forget backup equipment because nothing halts a photo shoot like technical problems. However, if you forget a spare film camera battery, it’s worth noting that many film cameras can still function, allowing you to take pictures even without a working light meter. Your clients have the potential to review you via word of mouth and online so you always want to put your best, most professional face forward.

Professional Portfolios:

If you are a professional photographer, or you have aspirations to become one, you need to organize your photos to fit your business model. For example, a Suffolk Wedding Photographer wouldn’t include images of edgy urban scenes, as clients are not going to be interested. Instead, he/she would make sure that there were plenty of wedding themed photos in the portfolio so potential clients know exactly what they are getting when they book the photographer.

Organize into Themes and Galleries:

Check out Virtualphotographystudio.Com to see how to organize your work into galleries. Themed galleries are very important, as they help clients and viewers find the images that they want to see.

Using our example of a wedding photographer, we might have separate galleries for couples’ shots, family portraits, and perhaps miscellaneous photos of kids, animals, and even wedding cakes. If you have several existing clients, you might choose to organize your work by the client rather than subject matter. This would be applicable to a fashion photographer. You could also organize by creative theme. For example, if you have a series of images of Tuscan villas or Canadian landscapes, add them in separate folders.

A portfolio needs to be easy to navigate. Use a main menu and sub-menus. The harder it is to find images, the more likely you are to lose a viewer.

Caption Images:

Images should be captioned with key details such as title, the year it was taken, etc. If you have an online portfolio, images also need an image tag so that search engines can identify what they are and include them in search results.

Choose the right portfolio design. There are many themes to choose from if you decide to create an online portfolio, so select the best one for your business model and impress the socks off of potential clients!

Featured Image By: Pexels