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Monday, February 5, 2018

Saving Money on your Summer Break

Now that Christmas is long behind us, and we've survived what must have been the longest January ever, it's time to start thinking about the warmer months. Springs just around the corner and summer vacations aren't a million miles away. Your summer holiday is a wonderful way to break up the year. It helps you to relax and unwind while giving you a chance to see some of the World and get some much-needed sunshine. 

But, summer vacations can be ridiculously expensive. Especially if you are tied to the school holidays and other peak times. It could be easy to spend a small fortune and find yourself paying it off until next summer. However, there are some fantastic ways to save money, and it's perfectly possible to have a fantastic summer break without breaking the bank. Let's take a look at them.

Book Now

Booking early means that you can get some great deals and that you've got longer to save. Start looking at packages now and book as soon as you can. You'll probably just need to pay a small deposit to start with, and then you'll have months to pay off the balance and start saving some spending money.

Book Later

On the other hand, booking later can also be a great option. Book some time off work and look at what last minute deals are available a few weeks before. You might not have as much choice, but it could also be a great adventure and take you somewhere you'd never have picked otherwise. 

Take Less Cash

We all like to have plenty of spending money on holiday. Taking lots of cash means that you can enjoy all of the tourist attractions, eat out all of the time, buy what you want and enjoy your vacation in luxury. But, it's not essential. Spending less while you are away is a brilliant way to save money on your break. Book any excursions you are desperate to go on online before you go to get the best rates. You could also book city-wide travel pass and tickets to events before you go to save money. 

Avoid Tourist Hotspots

Popular destinations are expensive, but if you are desperate to see them, you may need to take out a loan from to free up some spare cash and finance your trip. Smaller, less well-known destinations can be even better. They give you a chance to get a more authentic view of local life, to enjoy traditional experiences and do your break, your way. Explore on foot, get to know the locals, avoid busy restaurants and instead head to family establishments or cook for yourself. 

Stay Local

Staycations are more popular than ever and to be honest, most of us just enjoy having some time off work to relax. You don't need to spend a fortune traveling across the world to have a great time. Most of us don't ever fully explore places much closer to home. Look at day trips in your local area, or visit the next city along.

Thursday, February 1, 2018

Shop The Sales (Without Hurting Your Finances)


There’s something about items on sale that delights us. We see that red discount label and our minds are alight, suddenly coursing with adrenaline as we think of the bargains we might be able to find. We head to the discount section, marvelling over the reduced prices, and delight in the money we’re able to save. 

There’s no denying that sales shopping is fun, but there’s also no denying that it can be potentially problematic. Sales have a tendency to grab hold of our attention and prevent us from making the wise purchasing decisions we would normally make. If this happens often enough, you can find your spending spiralling to a point that your sales shopping is becoming a problem

However, the answer to this potential issue isn’t to not shop the sales at all -- a bargain is a bargain, after all! -- but to ensure your sales shopping is as smart as it can be. Read on for a few essential tips to keep in mind the next time you see discounted prices in your favorite store… 

Set a strict budget 

It’s one thing to want to grab a bargain, but you need to place restrictions on your spending as well. Giving yourself an open door to spend whatever you want, just because items are on sale, is a surefire way to spend far more than is justifiable. 

Spend in cash where possible 

While your new credit card sourced through might be burning a hole in your pocket, sales shopping should always be done in cash. If you can’t literally afford the item right now, then buying it while it’s on sale is a bad idea. You have to factor in the fact that sales make us want to buy things we don’t even need; ensuring that you only buy in cash is by far the best way to ensure you are able to fight back against this problem. 

Avoid big sale events 

Big sales events, such as Black Friday, have a tendency to be a letdown. The stock on sale is often not the kind of thing you’d buy at full price, so the savings you make aren’t necessarily as good as they initially appear. It’s far better to look for individual sales at stores that you already like and frequent. You can use one of the apps featured on if you want to ensure you’re always up-to-date with which stores have sales running at any given time. 

Ask yourself one question before you make any sales purchase 

The question is: “If I had the money available, would I buy this at the full retail price?”

If the answer is no, then put it down and move onto something else. Unless you believe an item important enough to be worth paying the full price for, you don’t need it. 

In conclusion

By keeping the above in mind, you can be sure that your sales shopping will be nothing but pleasurable, ensuring you don’t have a financial hangover from your splurge. Enjoy!

Tuesday, January 23, 2018

Retiring Well, Correctly & With Peace Of Mind

Why we understand that working towards retirement is a goal we all have, it can be hard to conceive of it as a reality. It always seems years ahead, and even when it approaches, we might feel like that date is nowhere near us. We do invest in our retirement throughout the course of our lives, but we rarely aim our work for the purpose of retirement, as that would be silly. This ‘tomorrow’ attitude can easily lead us to forget about preparing the finer points of our retirement, which of course would be a general mistake. There are absolutely reasons as to why someone might want to forget about retirement and focus on the current career goals they have, but when those years approach it pays to have some preparation made.

This article will help you prepare well for retirement, with a sense of peace of mind that should pervade this golden chapter of your life.


It’s important to know exactly when you can retire. Of course, your job might already have this chiselled out for you, but by and large you will have to pick this date yourself. ‘Can I retire now?’ is a thought that many people have around this time, as it’s not always apparent as to when the decision should be made. If you feel as though your professional capacity is wearing thin, your enjoyment of the job is devolving and you have the funding to retire immediately, then you could consider those three things contributive to your overall final choice. Still, this is a highly individual decision to be made, so be sure you weigh up all of the options. Timing might also rest on:

Social Networks

Of course, if you work abroad, or you are no longer in an area in which your family is close to hand, then you might decide to keep working until relocation efforts are made. When you’re in retirement, it’s easy to become socially isolated, even with a partner by your side. For this reason, making sure you’re near family before you make the decision will fill you with inner peace, knowing that you have the option to visit your relatives whenever you need. If your health deteriorates, you’ll also have the added comfort knowing that help is on the way.


You need a solid goal of retirement in mind. Of course, this is your time to relax and enjoy the time off you have always wanted, not feeling as if you need to achieve or head to work. However, if you’re directionless, it’s easy to fall into lethargy. It’s important to have a goal in mind to pursue, even if that’s not fully achieved. For example, purchasing a cottage in France and fishing, or running a small and humble B&B to keep you occupied can work wonders in keeping you socially active, healthy and considerate. Make sure you have some hobbies arranged before you lose your life to sitting on the sofa and watching daytime television. Keep activity high, and you will help maintain both your social and physical health.

With these tips, you’re sure to enjoy a fruitful and relaxing retirement.

Monday, January 22, 2018

Can't Stop, Won't Stop: Not Letting Scary Things Get You Down

Let’s talk about life. More importantly, let’s talk about life when life seems to have a grudge against you, and only you. It can be very easy to fall victim to the trials and tribulations of the modern world. Things can change in an instant, and these changes in our lives can be scary, at times, especially if we believe ourselves to be unprepared.

Overcoming these scary occurrences in our lives is all about keeping a positive attitude. It might be scary starting a new job, or trying out something that is unfamiliar; even small things like changing your hair or deciding to switch up and improve your lifestyle can be intimidating. You might worry what people think, or lack the confidence to believe you can do it.

But keeping a positive attitude is what separates success from failure. Having the determination and drive to get the best out of your life is the only way in which you will be able to give life the finger and carry on as you were.


It’s easy to feel overwhelmed by your finances. It might be that you were a frivolous spender in your youth and are now paying the price with debt and a low credit score. This can hurt your attitude and health, and make getting out of any hole seem terrifying unachievable.

But unless you just do it, things will only get worse. When suffering from money troubles, looking into solutions that can ease the worry, such as visiting, will help you start chipping away at what you owe. It will take time, but keeping up consistent payments and not repeating the mistakes of the past will put you on the right road. 


We all like to think that we are ambitious. We like to think we are up to any and every challenge that our professional life throws at us. But if you start to become comfortable in your role, you might be reluctant to step out of your comfort zone, even if it means progression.

It could even be that you are concerned about getting stuck in an industry you have little passion for, and a promotion would only keep you further entwined. Whatever you feel is holding you back, though, can be overcome through knowing that you can do it. If you are being offered to move up, then the company clearly sees something in you. While it might seem scary at first, you will get used to it and could find yourself owning it like you never believed you could.


It isn’t just our professional and economic situations where you need to just get on with and keep going. Your social life, more importantly, your romantic life also requires you to be decisive and know what you want. 

If you’re sick of the swiping left and right, sick of the meaningless flings, the same old dates, and everything else that comes with shopping around for the perfect partner, you need to evaluate what is important to you. Knowing what you want from both life and relationship will give you the determination to make relationships work, and save you wasting time on some fool who wants different things to you. 


Knowing what you want in life is essential. Getting what you want in life is crucial to your long term happiness. Don’t worry about what others think, and don’t be too concerned with what might go wrong. Keep on pushing for self-improvement every day, and the scary things won’t seem so terrifying.

Saturday, December 9, 2017

Stay Well Together This Winter With Purell

'It's 21 degree right now, it is freezing!  I am so glad it is the weekend.  I was able to get  the house cleaning done yesterday and did the pile of laundry too, yay!  It's funny because I told myself last night that I would sleep in today but I woke up rather early, I was up since 5:30!  This week was a very busy   week for me. The school had the Secret Santa Shop and I was there from Monday till Thursday helping the other Moms facilitating the shopping for the kids.  It was fun seeing the kids  shopped. 
Since it is  almost Winter times, keeping the house clean is very important  to help  avoid sickness.  I think the kids are tired of hearing me always telling them to always wash their hands and all that kind of stuff.  As a mother, we always want our children to be safe and free from sickness so we do whatever  we can to make  sure that they are healthy.  What we do with our kids at our home does not always help to avoid sickness when they go out side  but it is always  good to try our best right?  
I am so glad that I have received this Gojo  bundle of disinfectant from   Shoplet.  We  can always stay well together  this winter with the help of Purell products.  
The bundle includes Purell professional surface disinfectant, Jelly Wrap Bottle Purell advanced instant hand sanitizers, and Purell Healthy soaps.  

When the kids get home from  school, their tendency is to grab snacks right away so I am always on them to wash their  hands first.  My kids are  10 and 12 but sometimes, they still forget these little things that they are supposed to do so I always remind them.  The healthy soap  is perfect to use in cleaning their hands upon arriving from school.  
I put one in our  powder room and one in the sink so  they can always use  it.
The professional  surface disinfectant is very useful for us.  We have  two dogs and a bunny inside the house so you can imagine the dust they bring.  You might not  notice it but they do produce   so much dust inside the house.  Cleaning and disinfecting  the  surfaces is always a must for us.
Keeping the house dust free  is almost impossible but with  regular cleaning and with proper  cleaning tools, it can be done.  
I always have sanitizer in my  purse because it  comes in handy especially when we are outside our home.  I also  put  one to each of my children's  school bags for them to use  when at school.  I even  put one to my husband's  lunch bag.
Shoplet have everything that you need for your business and home including Office suppliesCleaning supplies,   Medical supplies, and  Office Furniture.  Thank you once again Shoplet and Purell!

Disclosure: The owner of this blog was NOT financially compensated to write this review.  I was provided with the product/s mentioned  to help me  facilitate this review but  opinions are my own.

Wednesday, November 1, 2017

How to Stay Fashionable While Getting Fit

Fitness is important for women of all ages, and there are ways that you can stay fashionable while getting fit. You can still look cute while working up a sweat, and some of the best workout attire and accessories can keep you in the fashion game. Here are a few of the best ways to blend fitness and fashion into one.
Wear Waterproof Makeup

Even if you aren’t going swimming, exercising can still leave you wet when you sweat. Wearing waterproof cosmetics will help prevent your makeup from smudging or running. You can find waterproof foundation, mascara or eyeliner pencil that’s sold in stores or online. Your makeup can later be taken off with waterproof makeup remover.

Show Off a Sports Bra

Sports bras can keep you cool and looking trendy while working out in the gym, going for a jog or cycling through your neighborhood. Popular color choices include black, gray and pink. Your sports bra should provide a snug enough fit to give you adequate support and allow you to perform all your exercises without any difficulty. Fitness Magazine advises you to wash your sports bra in cold water with mild detergent to make it last longer. Most sports bras have lifespans of nine to 15 months if they are worn regularly.
Don’t Forget the Jewellery 

Certain jewellery pieces can be worn during exercise. Internet-based stores where you can buy women's jewellery online that’s great for working out offer pieces such as clip-on earrings, silver rings and cuff bracelets. Choker necklaces that aren’t too tight can also make great workout accessories. Just be sure to not wear pieces that are too dangly or keep you from moving freely.

Hats Still Work Wonders

Even just a simple baseball cap can enhance your fashion sense while working up a sweat. If you plan to exercise outdoors on a hot day, wearing a hat can also help shield your face from the sun and keep your head protected from harsh UV light. Plain black, pink and white hats go great with just about all kinds of workout attire. You can also get a hat with a catchy word or slogan on it to help you stand out more from the crowd.

Get the Right Bag

You’ll want to carry your workout gear in a bag that matches your personal style. points out that many of today’s top fashion designers make bags that are easy and fun to carry. Tote and duffel bags are always great choices. Certain bags have both straps and handles that can be adjusted without any problem. Some of the best bags are made from durable materials like canvas and nylon. It’s even possible to find leather bags that include extra pockets to hold additional accessories.

You shouldn’t have to sacrifice fashion for fitness, and wearing stylish clothing and accessories can help you look and feel your best. Having the right fashion items will likely make you look more forward to your workouts.

Tuesday, October 31, 2017

Why Moving to a Different Country Might be Your Best Decision in Years

No matter how much you love the town or city where you live, you have most probably thought what it would be like to live somewhere on the other side of the globe. A place with different people, different cultures, away from bad memories and the hustle and bustle of city life. A place on our very own earth, yet so alien to you. A place of fascination and discovery, full of opportunities distant from your previous life mistakes. A new start to a new life. Of course, as good as that sounds, it might not always be so simple. Moving somewhere across the world usually requires some sort of preemptive planning, or enough money to not have to care about things of that calibre.

Image source: Pexels


First of all, let us talk about the obvious. Living somewhere else in a completely different climate and time-zone can be quite the exotic experience for the average westerner. Moving to a different country will prove to be much better than any sort of tourism could ever prove to be. No longer will you exclusively stick to the tourist-beaten paths of yesteryear just to see those same postcard-esque locations seen by just about every tourist who made it out of the airport. You will be able to explore off into the much more real expansive reaches of the landscape. Filled with locals and small local businesses rather than camera-bearing tourists in Hawaiian shirts. The real visage of the town and country will lie bare just in front of you, waiting to be discovered. With more than just two weeks of time at your disposal, you will become more familiar with the traditional local foods rather than just getting the same old panini from Starbucks. This will most definitely prove to be a rather culturally enriching experience

Buying rather than renting?

If you come from any sort of bigger city in Europe, the UK or the United States, chances are you are no stranger to ridiculous house prices. Regardless whether you are looking to rent a flat, or buy a whole house, the prices are probably out of this world and far beyond the reach of the average person, unless you want to go in debt for the next 20 years. Buying a house abroad is a very viable option for most working class people. Places like Southeast Asia have considerably cheaper living expenses, not limited to the housing alone. The price of food, transport and other basic commodities also tend to be a lot cheaper. Anyone who wants to move abroad should consider actually buying property due to how much drastically cheaper it is. If you have a surplus of money in the first place you should probably invest in new property in somewhere prestigious like Kuala Lumpur, alternatively somewhere back in the west. If you are just looking for ownership of property with relatively average wages, buying abroad seems like a much more feasible option.

Image source: Pexels

Staying afloat

While it is cheaper abroad, it is mostly cheaper due to earnings being higher in the west. Favourable currency exchange and several other factors have a big part in this. If you started working somewhere where you are planning to buy the house, chances are the previously drastic change would be nowhere near as impressive. Think about where you are working now, can you somehow make this into a freelance situation? Could you take your current profession and get your own clients rather than having them get processed through a company first? Can you come to an arrangement with your boss to allow you to work from home? All these are options very much worth considering since they allow you to maintain your usual wages but from the other side of the world where they are considerably more impressive. Maybe you are in a position where you own a company of your very own? It is very possible travelling back over, taking care of business and then leaving can still be profitable and very much on the affordable side. Planning important events that require your presence out of season and booking in advance can reduce plane ticket fees by huge chunks of the price. Of course ideally, if you have a company then the best case scenario would be just being able to manage it from afar. In the modern era of technology, communicating with all your staff and business partners should not be an issue whatsoever. Either by phone, or via the internet, there is most definitely some sort of program which will suit your needs. The biggest problem in this case would be timezones. and even then that is an easily avoidable problem. Rearranging your daily routine to fit a few phone calls or online meetings should not be much of an issue.

Image source: Pexels

New career opportunities

You should not rule out the possibility of new career opportunities opening up when you move. Even if you do not feel like you have some highly sought after qualifications, that might not be entirely accurate in a completely different part of the world. Skills which you do not even consider out of the ordinary may be in high demand in your new place of residence. One that people often seem to forget about is the language you use in your daily life. With the English language being used on such a wide scale across the world, it is no wonder English language teachers are in high demand across the east. Very often you do not even need any proper teaching qualifications, being a native English speaker, or of a native level is more than enough to land you several jobs overseas. Often, just a conversation partner who is fluent in English is enough for students to learn pronunciation from, not requiring much more from you than properly speaking basic English.

Image source: Pexels

What if you change your mind?

Many people get homesick, the culture shock, different weather and general longing for something more familiar just proves to be too much, leaving many questioning their previous decisions. Keep in mind, even if the house you bought or are buying is not fully paid off yet, it is a great asset to possess. If you do not feel like living too far from home permanently, the option of having a free holiday house always stands. Why splash ridiculous amounts of cash for hotels when you can go to your very own house in a tropical paradise? Whenever you are not there, you can either rent the house to someone or even set up an Airbnb location which often proves to be very profitable. This is a relatively stress-free business opportunity and allows you to gather clients from around the globe who just happen to be going on holidays to wherever your future house may be. Put all your personal clutter away into a storage cupboard under lock and key, then just advertise the rest of the house as a place perfect for holiday goers. Chances are you could hire someone to clean up the house whenever the people renting are gone, ready for your next clients. Of course, if worst comes to worst and you want to back out of the situation entirely, you can just sell the house itself. If you managed to renovate it somewhat, kept it in good shape and it is in a decent location, you probably won't have many issues finding buyers willing to pay much more for it than you invested into it in the first place. That’s after you have already had a tropical holiday house for a decent amount of time.

The Ten Things To Think About When Buying Abroad

Moving abroad, or buying a second home abroad is exciting and full of new opportunities. Maybe that’s why you are moving; to have new opportunities available to you in life, in love or even in work. Or maybe you’re moving because you feel in love with somewhere on vacation or traveling. But in amongst the planning, packing, travelling, and choosing of your new home, there are parts of moving abroad that people don’t tend to think about. Like the political stance of the country they are moving to, or the significant cultural differences you should probably be aware of.

But one of the most important things you should be aware of before moving abroad is the different living expectations in other countries. Not just the various types of buildings, but the methods of housing within those countries, and any relevant information you should know about owning a house in that country.

A lot of the time you will need to secure a visa or a living permit before being able to buy a property in certain countries, and sometimes you have to live in the country for a certain amount of time just to achieve that permit. There can also be a lot of restrictions on what you can buy and where you can buy just because you’re not a native citizen - which does make sense when most citizens have a hard time getting onto the property ladder without the houses being prioritized to foreigners.

Affording It

The move itself will be pricey, there’s no getting around it. And living in a new country might be more expensive than you thought - particularly if you are moving to a major city within the country. New York is more expensive than Richmond, Virginia for example. Spend some time saving and doing some research.

Work It

The easiest way to know if you can afford the move is to know that you have a job waiting for you on the other side. If work is the reason you are moving then great - but make sure that it is a stable and confirmed role. Negotiate your contract so that it is airtight, have everything in writing, and uphold your end of the contract.

You will also need to see whether or not you will need a visa, and if so which kind. There are over a hundred different types of visa’s within the US alone, so make sure you are applying for the right one.

Finding The Right Place

Finding your new home might take longer than you think, it would be a miracle if you woke up one day wanting to move abroad, called someone and had something secured by that evening. It doesn’t work like that. You can look at local (in that country) estate sites like this one for Bekasi in Indonesia: Or you can use local (to you) travel real estate agents to help you source your new home.


Each country is racked with its own political differences, some are worse than others, and some seem better than they actually are. Consider the political feel of the country, or area of that country, that you are moving to. The difference between one place and the next may be extreme. It is worth researching and understanding the politics of your chosen country before you move.

What Are You Letting Go Of?

The worst thing that can happen is to regret your choice of immigrating. Not only will it wreak havoc on your bank account if you choose to move back, but it can have repercussions on your mental health. Before moving think about what you will be leaving behind; loved ones, memories and a way of life.

On the flip side, also think about the reasons you are moving in the first place. If you are going to secure a better place for yourself, and maybe for your family, then is it worth it?


The biggest barrier you are going to face when moving abroad is communication. So get ahead by learning before you move. No one is expecting you to become fluent overnight, and it is always easier to learn a language when you live in the country. But knowing the basics will help you immensely.


There will be a significant amount of time before you stop checking every coin and note as you pay for things. And you’ll find it hard for a while not to constantly compare prices to the prices in your home country - which you can do here; The quickest way to become familiar with the new currency is to go to the post office and exchange some money. Make sure you get one of each coin, and the major notes, and just have them at home. You can devise a test for yourself and your family - which will help any children you have to get used to the new money too.


Seeing as you’re moving to the country, it seems a shame if you don’t try the local food. Besides, once you move there might not be many chances for a roast dinner. Start experimenting with food either at home or a restaurant. Not only will you get accustomed to the food, but you’ll also hype up your excitement for your up and coming move.


If you are moving to a heavily traditional country, it’s an idea to become acquainted with some of them before moving. For example, if you are moving to an Islamic country you might want to learn a bit more about the religion and the times of prayer. If you are moving to Thailand, you should become familiar with their near-worship of elephants, or how in Poland it is considered rude to pick at or refuse food. You will be the minority and you don’t want to offend anyone.  

If you are moving to a country that favors different cutlery, like chopsticks, it’s about time you learn, or you’ll find yourself stuck when you eat out.


Learn which side of the road to drive on! This isn’t something that you should wait until after you have moved to learn. Also, have a look at the public transport available - UK residents are quite spoiled with regular trains to most corners of the country (even if we grumbled about it now and again.)

Tuesday, October 10, 2017

Paying For A Top Family Holiday - You Can Do It!

As lots of people struggle with money at the moment, many families will miss their annual vacations next year. That is a sad situation because it means the children won’t get a break where they can explore a new landscape. Still, there are endless ways in which adults could improve their situations and find some extra cash. Just use some of the suggestions below. 

Consider your vehicle

Many people spend too much on their vehicle every month. There are two options available, and so you need to work out which is the cheapest for you. If you’re leasing your car at the moment, you might throw money down the drain. Take a look at the infographic to ensure you’re walking the right path. 

Consider your energy usage

Is it possible to reduce your energy bills every month? Yes, it is! You could use a comparison site to find the best deals, or you could install some solar panels and provide the electricity in an eco-friendly manner. 

Consider your unused subscriptions 

Most folks have unused subscriptions that drain their bank accounts every month. Maybe you haven’t used Netflix in a while, but you still pay for it? Perhaps you thought joining a gym was a good idea, but you’ve never set foot on a treadmill? 

Those were just three simple ideas, but there are lots of other ways in which you could pay for a family holiday next year. So, just create your plan and set the wheels in motion as soon as possible. 

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Thursday, October 5, 2017

Finding Treasure at Thrift Shops

Going on a thrift shop is fun because you can find really nice things for  cheap prices.  Here are just some of the  pretty things that I find  at the thrift store.  
 This big  vase with flowers was only $3.  I thought it's so darn cute.  I bought it because I wanted to add some color in our entrance hallway corner. 
 I don't really need this vase but since it was only $3, I bought it too.
 The tall vase  was also $3.  I bought it to put my  glass flowers. 
 The first two  decorative things on top  are both $4 each.  The one in the bottom was given to me by  my son's godmom so when I saw the two decor, I thought it would go great together of what we already have. 
Thrift shopping is fun if you are willing to really look for  some hidden treasures.  Sometimes, prices  at  a thrift store doesn't make sense, there are products that worth a lot but they sell it for cheap then there are some also that doesn't worth anything but they price it high. Again, it all  comes down to looking through the stuff they have and paying attention to their pricing.

How about you, do you shop at a thrift store?  What is your recent find if there's any?


Victorious Smile!

She won an international smile contest for the month of October 2009. This contest was sponsored by Division of Pediatric Dentistry, Department of Oral Health Sciences, University of British Columbia, Canada.

God bless y'all!