Tag Archives: saving

New Love Notes Cropped Button Down

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New Love Notes Cropped Button Down

Heyyyyyyy. One style of top that I have grown increasingly fond of as of late is the button down. I LOVE them and have began to accumulate quite the collection. And, my love grows even more specific, because I always seem to be drawn to blue, vertical striped button downs – like this cropped cutie by Love Notes seen below:

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  • TJMaxx Price: $13

I really freaking like this shirt and, yes, it does look fabulous underneath the sleeveless hoodie that I wrote about yesterday! This top reminds me a lot of clothing from Zara and getting it for a fraction of what it would have costed there makes it an even sweeter buy. My new Love Notes lovely shows what looks like geese in different stages of flight and it’s just a cool pattern to have over the blue stripes.

Not only is the pattern of this top unique, but so is the style of it because it’s cropped. I am so looking forward to pairing this with black shorts this summer and maybe even during the spring with tights underneath for a quirky fun look. Everything about this top is a score for me and you definitely can’t beat a thirteen dollar price tag!

What is your favorite style of top? Who else is an avid fan of the button down? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

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Makeup Free Days

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Makeup Free Days

Howdy! Back in the day, I used to complete my makeup routine almost daily – even if I was staying home for the day. As the years progressed, I realized just how silly this was and began slowly easing into Makeup Free Days. This originally started out as a Sunday occasion, but now, I spend at least half of my week with no makeup on. It’s crazy!

I wouldn’t say that I have this sky high confidence that makes me feel okay with no makeup on. It’s honestly more of a lazy girl thing. I apply my makeup and do my hair when I’m working in the community. But, if I am working from home or just running random errands during the day, I really don’t see the point of painting my face. Once I realized that going out in public with no makeup on wasn’t the end of the world, it became easier and easier to leave the house bare faced.

Of course, makeup free days save me time, but my skin and wallet are also definitely thanking me. I’ve noticed that my skin has looked increasingly healthier as I make my way through the year, because the products that I use after washing my face really gets a chance to sink in and work as opposed to being suffocated by the makeup on top. And, days without makeup equals using less of it, which equals buying less products, which equals more money in my pocket!

It’s a little surprising to me how within a handful of years, I went from caring so much about what complete strangers might think if I left the home in anything but full makeup perfection to running about town fresh faced for three or four days of the week. I guess that’s part of growing up. Getting older sucks. But, feeling okay makeup free is something that I’m definitely okay with!

Has anyone else had a makeup free epiphany similar to mine? How often do you apply makeup during the week? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

BYOB(urrito)

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BYOB(urrito)

Hey hey everyone and happy Hump Day! Did you know that if you download the app for Moe’s that you get a FREE CUP OF QUESO and a FREE BIRTHDAY BURRITO?!?! Yeah, that’s right. Moe’s, Taco Bell, and Chipotle are all my jam, but the rewards for Moe’s through their app are pretty cool.

AND GUESS WHAT?!

If you use yours truly AKA me, Sarah Mushenheim, as a reference when downloading the app, I get extra points. These points will help me, a constantly hungry girl, get free food. Consider referencing me like a gift to your favorite redheaded blogger. And once you download the app, your friends can reference you, so you can get closer to free food too! Talk about a win/win. 😀 #thanksinadvance #WELCOMETOMOES

Which food places/stores offer the best apps? Which places offer birthday freebies? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

A Myriad Of Money Management Mistakes

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A Myriad Of Money Management Mistakes

It is a fact of life that some people simply don’t manage their money particularly well. If you feel like you are one of these people, there are several things that you can do to change things. First and foremost, you need to work out the mistakes that you are making in the first place. In this article, we are going to take you through just a few of the most common ones so that you can avoid repeating them:

Lifestyle Inflation:

If you get a pay rise, you shouldn’t automatically ‘improve’ your lifestyle by that same percentage. Instead, you can use this extra cash to clear some of your debts, channel money into your savings, or make some sound financial investments. Just because you have the cash doesn’t mean you have to spend it!

Paying Bills Late:

Getting into a habit of paying your bills on time is a positive step that you can make. You can even automate this to happen directly from your bank account so it can be one less financial worry to have every month. The last thing that you want is to incur any additional fees or payments than you already have.

Paying Bank Fees:

Bank fees can come in multiple forms, but most of them are totally avoidable. For example, you should never use an ATM when you are charged an operational fee. Avoid paying late fees on your credit cards by clearing the balance in full every month. Compare bank accounts online to make sure that you are not paying more fees than you need to.

Not Educating Yourself Financially:

With all of the free tools and articles about money out there these days, you have no excuses for not educating yourself financially. You should know all of the different options available to you about where you can best invest your money, as well as information regarding where you can get quick support such as bad credit personal loans with guaranteed approval. Read as widely as you can and you can avoid many common money management mistakes.

Lack Of An Emergency Fund:

Though it may be frustrating to channel some of your paycheck off into an emergency fund every month, you will be very thankful for it once you need it. There are all sorts of life situations out there which could require a great deal of cash such as job loss, medical expenses, car repair, and essential home maintenance. Whenever you make a withdrawal from your emergency funds, make sure that you replace what you have spent as you never know when the next situation may arise.

Not Having a Budget

If you haven’t got any sort of household budget, you have no idea what is coming in and going out of your bank account every month. There are plenty of budgeting apps out there which allow you to clearly track all of your expenses. Otherwise, you can track everything manually along the way.

Now you know some of the most common money management mistakes so that you can avoid making them yourself. Budget wisely and watch your bank account increase over time.

Featured Image By: Pexels

Bath & Body Works Semi Annual Sale Mini Haul

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Bath & Body Works Semi Annual Sale Mini Haul

Bonjour! Back in the day, I can’t say that I was a huge Bath & Body Works fan, but as the years go on, I find myself eating my words. I stopped into a B&BW the other day, because I noticed that their semi annual sale was on, which is when they bring back their old school favorites – which happen to be some of my favorites! It was actually pretty fun to go into the store and rummage through the huge bins of product that were all marked fifty to seventy-five percent off. And it was even more fun to score three fragrance mists for the price of one. Take a look:

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It should be no surprise that there’s two Champagne Apple & Honey sprays in my mini haul since all apple everything is my favorite. I really like this scent, because it still has the tart bite of a crisp apple but there is definitely some dry, fizzy sweetness added to it thanks to the champagne and a dollop of honey. Can we pop some bubbly now, or?

And, after all of these years, WHO NEVER TOLD ME THAT PEARBERRY SMELLS AMAZING?!?! I lucked out and snagged the last body spray of it and I am so happy, because I freaking love it. It seriously smells like biting into a fresh, juicy pear and all the while there is a huge bowl of strawberries and blackberries to snack on, too. I am always more partial to the fruity fragrances and Pearberry is the perfect summery scent to brighten up a snowy winter day.

I am super happy that I stopped into Bath & Body Works to shop their semi annual sale and I am looking forward to their SA sale in the summer time to hopefully stock up on more Pearberry spray! What is your favorite old school B&BW scent? Who else shopped the SA sale? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Hair Raising Heating Bill? Here’s How You Can Stay Warm For Less!

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Hair Raising Heating Bill? Here’s How You Can Stay Warm For Less!

The months between Christmas and spring are pretty miserable – it’s wet, it’s dark, and it’s absolutely freezing. As well as feeling the pinch from Christmas, many of us will also receive a hair raising gas bill in January, too, where we’ve cranked up the heating in a bid to stay warm. However, it doesn’t have to be this way, and if you’re fed up with forking out huge amounts of money to your energy suppliers every winter, there are ways that you can cut costs. Here are a few tips to consider:

Set Your Heating on a Timer:

Instead of letting your heating run all day, it’s far more energy efficient (and cheaper for you) to put it on a timer. Set it to come on for an hour in the morning as you’re getting ready for work and a couple of hours in the evening. It has been suggested that leaving your heating on low all day is cheaper than having it come on and off but this is in fact a myth.

These days you can get smart home devices that link with your heating and give you full control over it. It makes it easy to set it to come on when you want and gives you the flexibility to do it from an app – you don’t even need to be in the house. Imagine you’ve been out on a long hike in the cold, for example, and want the house toasty and warm for when you get in. If you know it’s not during your set heating hours, you could put it to come on when you’re on the way home so the temperature is perfect when you arrive back! Either way, it’s useful to have control over your heating like this, and keeping the times you use it to a minimum will save you money.

Get a Wood Burning Fire:

A wood burning fire is an awesome, rustic looking addition to any living room – plus it can save you money, too. If you chop your own firewood or stock up on it when it’s on sale, you will have plenty of kindling to get you through the coldest months. Just be sure that your fireplace and chimney is kept clear to avoid dangerous accidents. If you’re not sure how to go about this, just call in a company like Capitol Chimney. Using a wood burning fire like this can keep your whole living room warm and prevents you from having to heat the entire house, which is pointless when all of the family is gathered together in one room.

Wrap Up Warm:

During the evenings when you’re lounging around, instead of blasting the heating on the highest setting, why not put it on low and wrap up warm, instead? You can buy cozy throws for your sofa on places like eBay, Amazon, or any home-ware shop. Load it up with cushions and then invest in some fleecy warm pajamas and slippers and you can stay comfy and cozy during the evenings without having to spend a lot of money. Even during the day, popping on a jumper or a dressing gown means that you don’t have to have the heating up, and you might be able to leave it off altogether. Keep your cozy home furnishings in good condition and they’ll last you year after year.

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Fluffy bathrobe, anyone?

Buy Essentials to Keep Your Home Warm:

Thick, lined curtains will help to keep out drafts – while they might cost a bit up front they will last for many years and can help you keep your heating bill down. Draft excluders and radiator reflectors are cheap and cheerful, and will keep the cold out and maximize the heat when the heating is on. If you move big items of furniture like sofas or wardrobes away from radiators, this will also allow the heat to circulate better and allows you to make the most of the money you’re spending on the gas bill!

Being mindful of the heating you use can go a long way. Don’t just turn up the dial whenever you feel a little chilly! It’s not to say that you should sit at home shivering, wrapped up in every jumper you own, but there is a happy medium to be found. Keeping your heating low or not using it unless it gets very cold is good for both the environment as well as your bank balance.

Featured Image By: Pexels

When Eclectic = Frugal

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When Eclectic = Frugal

Having an eclectic taste has been a fashionable choice for a while. It means that you don’t just go into one store, buy everything there, and have a perfectly matching house and wardrobe. Instead, you have found things that really speak to your personality and created an interior with a most interesting dynamic.

But sometimes, what eclectic means is frugal.

You didn’t shop at just one store because you know where the better deals lie. You are willing to trawl through flea markets to find a vintage sofa half price and you know that inheriting things from your parents and grandparents is the best way to fill any home.

Need a bit of help to get started? Here’s what you do:

Set A Budget & Save:

When you’re trying to get along on very little money, setting budgets for yourself is the best way to manage your finances. Not only will you see just how hard you have to work for each thing, you will also be able to set a realistic time frame to get what you want. If you can take on odd jobs here and there or find ways to make extra income, you will certainly benefit and get your want list faster.

Make a list of all of the things that you need and want in your house. This should include everything from the necessaries like a sofa to the more decorative, like mirrors or cool TV stands. Put a rough estimate on how much you would like to spend on each thing, then put them in order of priority. So, if you have nothing to sit on, the sofa will come at the top, if you already have a sofa that will do, it goes at the bottom. Now you can see how much you need to earn and save and can gradually tick things off of the list.

Make Do & Mend:

To bring the price of your list down, you should look for opportunities to make do with the things you have. Mending a sofa could be cheaper than buying a new one, so have a look at what you’ve got and see what you can do with it. This attitude is also really helpful in charity shops and flea markets that sell second hand furniture. If you think that something is salvageable, you could get a really good bargain on it. When you are in the habit of making the most of what you’ve got, buying new just won’t have the same charm.

Upcycling AKA Recycling:

Staying on the sofa theme, upcycling is often a really good way to make something old and worn new and beautiful. At the very heart of the eclectic style is the idea that you can reupholster any classic sofa in a vibrant modern fabric and achieve a completely new and beautiful look.

You should also be on the lookout for things that you can use in other ways, too. You would be surprised at the things you can make use of to great effect. Have you ever thought of using colanders as a set of bath shelves? No? Here’s how you can make that happen!

Eclectic is cool and is a great way to ball on a budget. Let your personal style shine through with quirky choices and turn your home into a charming space in no time.

Featured Image By: Flickr