Budgeting When You’re Bankrupt

Budgeting is the process of creating a plan to spend your money. This spending plan is called a budget. Simply put, it’s balancing your expenses with your income. If you spend more than you make, you’ll be in trouble. A lot of people are unaware that they spend more than they earn and before they know it, they have accumulated huge amounts of debt.

Budgeting is very important because it allows you to make a spending plan for your money. It guarantees that you’ll always have enough money for the things you need and the things that’re essential to you. Following a budget will also keep you out of debt or help you to work your way out of debt if you’re presently in debt. A good budget can help keep your spending on track and even reveal some concealed cash flow problems that might free up even more money to put toward your other financial goals.

But what if you’re already penniless? Budgeting strategies sound okay, but if you’re in a very difficult situation financially or suffering from mounting bills and a lack of funds, there’re some other possible steps to take. Here are ways to budget when you’re bankrupt:

A. Prioritize Bills

Go over all your bills to see what must be paid first and then set up a payment schedule based on your paydays. Leave yourself some catch-up time if some of your bills are already late. Ask the bill companies how much you can pay now to get back on track toward positive status. Be honest about the amount you can pay for.

B. Keep Away From Immediate Disaster

Request bill extensions or payment plans from creditors. Avoiding or delaying payments only worsens your debt.

C. Remove Unnecessary Expenses

All cutbacks should start with items you don’t really need or habits you should change anyway, like buying cigarettes and/or alcoholic drinks, and eating out instead of just preparing meals at home.

D. Review Spending

You need to manage your outlay first to restore your finances. Online banking and online budgeting software can help you categorize spending so you can make adjustments. According to Forbes Advisor (https://www.forbes.com/advisor/banking), the best budgeting app for monitoring daily activity is Mint, while the best app for tracking spending is PocketGuard (https://pocketguard.com/).

E. Find New Income

Consider ways to increase earnings like getting a second job, working overtime, and getting some freelance work.

F. Arrange Credit Card Interest Rates

Call the credit card company and ask for a decrease in the annual percentage rates (APR). If you have a good record, your request might be approved. This won’t lower your outstanding balance, but it will keep it from increasing as fast.

G. Maintain a Budget Journal

Write everything you spend in a notebook, through budgeting apps on your phone, or budgeting software. Focus on securing that every cent is accounted for by dividing your expenses into categories. Make improvements and adjust the spending as needed after each month.

Budgeting may sound complex but it can actually be a very basic personal finance skill. Whether you decide to make your budget bare bones or detailed to the last dollar, the most vital part of budgeting is to put it into practice. CLICK HERE to know more about budgeting.

Practice Your Gymnast Skills At Home

During these pandemic times, people are kinda bored at home as we don’t still allow them to go out for some fun times. But you should have to be resourceful by having yourself entertained and be fun on your little things. Other people tend to play cards with their family while others settled to play basketball in their backyard. But you know what? I have found a great hobby to make these days that could give your body endurance and flexibility. The hobby is referring to was to practice my gymnastic skills, of course, you don’t have to be pro to do this – as they were a lot of tutorial videos available today on YouTube to follow.

Air Ramp for Gymnastics

First off, you should learn about this shop called Tumblemat.com where all the necessary equipment is ready to avail. For me, I’ve got their signature Tumble Mat that comes in different colors and sizes. Because this mat is pretty useful not only for my gymnast stuns but also in my yoga and simple exercises at home. You can also check it yourself and see what kind of mat will fit your need best!

Air Gymnastics Track 3x1M Air Floor Mats

In addition, this shop is the only store that
sells Air Tumble Mat Online at a very reasonable and affordable price. They can also ship it out worldwide hence you don’t have to worry at all whenever you are in the world. This shop is the leading online store for tumble Mats because their products are all made in quality materials that will surely last for some good years in comparison to the other brands or shops that are easy to worn out after some use.

P3 Inflatable gym mat, 30 ft air tumbling track

So, if you are indeed stuck at home you should get yourself a Tumble Mat At Home because this item will surely help you to be active and to be fit that will benefit your whole health being. So what are you waiting for folks? Go get some items now at Tumblemat.com for your convenience.

New normal, New Ring Light

Nowadays, people are often online due to pandemics whether for their job or recreational online. Beverage being online has a lot of health benefits especially to our mental health, based on the studies though. Because online is now the best for everybody to unwind, relax, and be fun with by simply watching videos, creating their content, and by just simply watching some short videos over TikTok. Yes! That’s how the modern world is today.

Today, let me share with you this one online shop here called tonormic.com where all the latest mic, ring lights, handily karaoke were listed and even selling out for the very cheapest prices. These tools are pretty essentials for us all, especially now during the pandemic, because they keep us cope up to the situation we’re currently facing and somehow it can help us too to make the new normal simpler and easy by having the tools they have currently selling.

One of the best sellers they have in the shop now was their Tonor Ring Light here: https://www.tonormic.com/collections/ring-light. Because this ring light is easy to use and it is made of light materials which makes it easy to carry than the usual ring lights out there from the other brands. Hence, this Tonor ring light is pretty much practical to get above all.

Also, this ring light is not only for social media uses like in TikTok, Youtube or FB live but also for your online conference, meetings, and video calls. It’s doing its purpose because the stand of the ring light gives many conveniences to everyone if they needed it especially those people who work in the corporate world.

And for those people who can’t able to buy their ring light to tonormic official online shop? I think you should have to check their Tonor Ring Light in Amazon. Because this brand is being partnered with the big e-commerce player in the world which made it easy for everyone to avail their products.

Best Brilliance Jewelry Collection is Every Woman’s Dream Come True

If there’s anything every woman treasures, it’s her jewelry collection. Jewelry makes a special gift, no matter how small or big the package is.

What really matters is the quality of the jewelry item and of course the idea of being appreciated enough to be given the precious item.

In this post, we look at why the Best Brilliance jewelry collection is every woman’s dream come true with examples of luxurious jewelry items available at the Best Brilliance jewelry section.

Why Jewelry is Special to Every Woman

There are many reasons why jewelry is special to every woman. Jewelry items aren’t only pretty to look at but precious pricey items.

A gift of jewelry also shows that someone truly values your friendship and companionship. If you’re looking for a perfect item to express your gratitude and special feelings for your loved one, Best Brilliance is a perfect place to start and end your search.

The online jewelry store has a huge collection of the right jewelry items for all occasions including birthdays, weddings, engagements, anniversaries, and any time you want to make someone feel special. One of their fine examples is the Joan Earrings set which features 1-carat diamond double earrings in a halo setting.

The main diamond on each earring weighs 0.30 carat. It’s surrounded by 0.70-carat side diamonds to give you a total of 1-carat natural diamonds. This is a perfect piece of natural diamond earrings that will be truly appreciated by every woman.

 Joan Earrings Set – 1 carat diamond double earrings in a halo setting.

The Sentimental Value of Jewelry

Fine pieces of jewelry carry a sentimental value too. Compared to all other gifts you can ever give or receive, jewelry has the most sentimental value. For example, when you give your girlfriend, fiancée, or wife a perfect piece of jewelry such as the 14K Yellow Gold Infinity Bracelet from Best Brilliance, you can be sure that she will treat the bracelet as one of the most precious items in her life.

The designer bracelet features a 14K Yellow Gold set with on less than 13 diamonds. It’s a gorgeous designer style bracelet with a sparkly 0.07 carat E-F VS diamonds. The bracelet is also available in white and rose gold, should you prefer.

The 14K Yellow Gold bracelet is a fine piece of jewelry that she won’t just wear with pride but treasure and guard with her life. That’s the kind of sentimental value you get from the Best Brilliance jewelry collection.


Best Brilliance 14K Yellow Gold Infinity Bracelet

Best Brilliance Jewelry is Timeless

Diamonds are forever and so is Best Brilliance jewelry. While other items such as clothes wear out or run out of fashion and are quickly replaced by the latest fashion, jewelry never goes out of fashion or becomes irrelevant. If you invest in top quality jewelry items from Best Brilliance’s jewelry collection, you can be sure that the fine piece of jewelry will be as timeless as your love for her.

Every jewelry item from a leading jeweler such as Best Brilliance is designed to last. The items undergo strict quality control during the production process to ensure that you only get the finest and most durable product. In fact, Best Brilliance jewelry are a gift today but can be passed on to future generations as heirloom pieces.

A good example of timeless jewelry from Best Brilliance is the Jayden Fashion Ring, which comes in a flower design featuring sapphire and diamonds. The lovely flower ring is crafted from a perfect combination of round diamonds and Pear Sapphire. It has 8 pear-shaped blue Sapphire gemstones weighing 3.21 carat and 125 round diamonds weighing 1.34 carats. The flower ring has a total weight of 4.55 carat, which makes it a timeless piece that will last for many generations to come.

Best Brilliance Jayden Fashion Ring

Conclusion

Best Brilliance jewelry is every woman’s dream come true because each piece comes with sentimental value and is designed to last forever.

The timeless jewelry pieces not only look pretty and sophisticated but are perfect for all occasions.

Huggie Earrings For Every Fashionista

Huggie earrings are the latest must-have of everyone, especially of fashion-forward individuals. They are the latest jewellery trend to take over every fashionista’s Instagram feed. Everyone from celebrities to vloggers and social influencers has been rocking these tiny little hoops. It is a look you can wear even if you have many ear piercings. Huggies are a style of little hoop earrings that hug the earlobe. This means they sit close to your earlobe and they tend to be thicker than the standard hoop and have a lever back meaning the curved back of the earring simply clicks into place.

Huggie earrings are the complete opposite of giant hoops so they are meant to sit close to your earlobe but more wearable, even for everyday use. Whether you are looking for a pair of real gold huggies that you can leave in or want some affordable huggie earrings to update your look occasionally, there is a style that will surely suit your personality and taste. Every online jewellery store sells huggie earrings in all sizes and styles. It does not matter whether it is made of plastic or pure gold because it is available almost everywhere, both online store and in brick and mortar stores.

The original huggie earrings were quite small and literally hugged the earlobe. These earrings were so beloved that the next obvious move was to make larger ones. Most hoops have a visible hinge in front on top where your ear hole is which can take away from the pretty and clean look of a hoop. Especially with smaller hoop earrings, the way the earring connects with your earlobe affects the beauty and charm of the overall look. Since the hinging area is down below, a huggie offers a clean line from earring to lobe.

Huggie earrings are really comfortable to wear. So comfortable that some people wear them even in their sleep (because they will not jab or poke you) or when they are in the shower. The jewelers who manufacture huggies received the message and started being creative and adventurous. They realized that what people really wanted was the hinge and not to mind so much the backings. But buyers will always want choices and fortunately their wishes were heard.

When you find that your huggie earrings does not close properly, adjusting them is quite easy. If you are in a hurry and possibly push the back section of the huggie too hard onto the post, it may push it out of alignment. You should be able to feel or hear the click sound as your huggie snaps onto the post. Feel for it when you put them on. Do not wear them till you adjust them and if you do not feel and hear it click shut.

Buying Fine Jewelries Online

Might most of you folks are on lookout for the best jeweler to buy off your jewelries and some others. Because jewelries are the best to give out not just for your better half but also to any member of your family that you value the most. Today, let me share with you this one online shop here called bbbgem.com where all the fine jewelries were house and even selling out for a very reasonable price. In fact, this shop is one of the leading jeweler online which gained popularity not just to their avid consumers but also to the well know personas in the lime light industry.

One of their best sellers in this shop was their set of Emerald engagement rings which are the rarely and quirky one. Though we seldom see anyone who buy emerald kind of ring as an engagement ring but I think people are liking to be different these days hence emerald made of rings are in leads for engagement rings. Good thing that bbbgem has a wide array of sections for this kind that you can pick up base on the type of ring you mostly prefer to have, for yourself or perhaps on your other half.

In addition, they do have some Moissanite engagement rings, too, that’s are comes in different sizes and colors. To be honest, this was my first time seeing an moissanite kind of rings because I usually eyeing for diamond like what others do. But you know what? This type of ring are too elegant and the pricing ranges aren’t that much unlike when you buy a whole diamond stones rings that are being too much on my opinion, though. But having moissanite rings are just fine as they are the simplest and yet fancy to have among others.

Another good to pick rings were these Sapphire engagement rings. Because sapphire symbolizes a pure love and loyalty hence having it as your engagement ring will signifies trust and understanding to one another. Beside of this ring is being blue in color, sapphire can also give a good impression to everyone due to its quirky look and investment value. So what’s te you waiting for folks? Why not to buy your engagement rings online, especially at bbbgem.com, as this shop has a much to offer than getting your ring in any mortar stores nears you that has a limited designs and stocks for its rings selections and varieties.

A Diamond Lasts Forever

With so many fine diamonds to choose from, finding the one that is perfect for you can feel formidable. The diamond has kindled romantic passion throughout history because it is unique and captivating as well as enigmatic and magical. Its characteristic chemical composition and crystal structure make it a distinctive member of the mineral kingdom. The diamond is the only gem made of a single element and is typically about 99.95 percent carbon. When buying diamonds or diamond jewelry for yourself or a loved one, there are certain things that you need to take note of.


If you want to buy quality diamond jewelry, where you shop is very important. A reliable jeweler or jewelry shop will guide you through the jewelry shopping experience and give you as much information there is about diamonds and their fine jewelry. You have to first figure out your receiver’s desired diamond shape, if you cannot then choose princess cut or round. Set a carat weight minimum based on the receiver’s taste. Start with the highest quality diamond of the shape and carat weight minimum and start making adjustments until you decide on a diamond that you can afford.


There are four factors that determine the value of a diamond, collectively known as the 4Cs of diamonds: carat weight, color, clarity, and cut. The diamond 4Cs are important to choosing the right stone for you. Each factor means something different for each person. There are women who care most about the clarity and cut while others might think that the carat weight and color are the most essential. Carat weight measures a diamond’s weight and size. A diamond’s clarity is affected by any external and internal characteristics created by nature when the diamond was formed or as a result of the cutting process. Diamonds come in every color but the most popular diamonds are colorless. The diamond’s cut influences its optical and physical properties such as luminosity.

Consider a round diamond if no preference has been chosen. They tend to have more sparkle than other shapes and fit in with almost any ring setting. Plus, round diamonds are always in fashion. Length to width ratio has a major impact on the shape of a fancy diamond. If you are not sure about your preferences, search for a shape you like and then view diamonds of different length to width ratios within that shape until you find what you desire. After that, concentrate your search on diamonds that are within roughly 10% of your preferred length to width ratio.

Buy Your Durable Wholesale Lightning Cable At WisdomUSB.com

wholesale 3-in-1 cable high quality with super fast charging

wholesale 3-in-1 cable high quality with super fast charging

These days, its kinda hard to find some items on the mortar stores, especially these tech ones, due to the health issue going on. But the good thing that we could still get the items or products we needed thru online shops and stores. Today, let me share with you this shop called WisdomUSB.com where all the wholesale USB cable were houses and even to selling out for the very cheapest prices. in fact, this shop is now leading on their field which is selling some sort of wholesale USB, wholesale micro USB cable, and some wholesale lightning cable.

wholesale usb-c to usb-c durable 3.0 cable

wholesale usb-c to usb-c durable 3.0 cable

Hence, if you are looking for the best USB charging cable for your androids or iPhones. This shop, WisdomUSB, is the best place to shop with because they’ve got all the types of cables you needed. In addition, they are also shipping worldwide without an extra fee hidden, unlike when you were buying to the same shops online where they could ask for additional bucks just to make your items cleared and released on your local post office.

wholesale double elbow design Type-c cable with fast charging

wholesale double elbow design Type-c cable with fast charging

The shop is specializing in wholesale micro usb cables that you should have to check over to. Because their micro USB cables are pretty much query and they come in different colors, sizes, and designs. You may get the one you wanted for yourself. Also, this shop offers some good quality of wholesale USB C Cable and wholesale Type C cable that are the usual standards when it comes to charging cables. You may also tend to check the shop’s 3 in 1 cable of the one 2-in-one cable which is I think the practical to get. Because you can get your all gadgets charging at the same time using one cable at a time.

Please do shop now at www.wisdomusb.com today to see for yourself how quality and awesome their every item was.

Buy Fashion Finds At Yeebia

On these modern days, we could easily buy off our necessity and needs thru online. Hence, you can own conveniently get all the things you needed safely especially these days where we are all having the pandemic issue that is still going on.

Today, let me share with you this one classification ad that also sells some good fashion finds that you might get your interests and the site called is Yeebia.com. This site is pretty reputable and reliable on their selling and buying items. In fact, they are filtering all the people who are using their services for their consumers to be safe and enjoy their buying experience in this shop. Hence, if you are in Nigeria who wants to buy new things at very reasonable and affordable prices? I think you should check out this site first because they are widely selling all the stuff online.

For the trendy and fashion pieces to steal? You may freely check the Yeebia Fashion for your own convenience. To be honest, upon checking their site, all of the trendiest and chic dresses for women were listed here and ready to buy off. Also, they cater to a bunch of shoes and sneakers for men, too, which are comes to the new box for some but you may also buy the pre=loved items here but still on the good condition.

My tip is, you should get the item/s with a great set of pictures hence you can scan the dent or damage of the items you will about to buy off.

If you are looking for a fashion recommendation? I think any of these Ankara Bags are the best to pick. Why? Because they are currently in demand today and a lot of fashion icons, celebrities and even some handful of fashion bloggers are getting them today, as for it to gone demand in the market. Also, you may find this kind of bag at Yeebia.com and upon checking it on, I do saw some Ankara shoes as well that you might get interests with, too. So what are you waiting for folks? go check them out today and get all the things you needed easily and readily on your own deluge time and on your fingertips.

Furthermore, if you need something to buy for yourself or for others, I really suggesting you check them out first thru Yeebia.com – You trusted the Classified ad website.

 

ISTARBLOG.COM | Paul Immigrations Reviews: Getting Permanent Residency in Singapore

Many people are keen on working and living in Singapore because it is widely regarded as the easiest city in Asia for expats to fit into and it allows foreigners a chance to become familiar with different cultures in a comparatively safe and contemporary environment. Aside from its low crime rate and safe streets, the quality of living in Singapore is very high. Their health care, education, transportation, housing, banking, political climate, entertainment etc. are exemplary.

However, the process of moving to Singapore and what is required to get an Employment Pass (EP) or Permanent Residency (PR) is not easy. Not only will you need to allot more time in taking care of it, but knowing which documents to submit, meeting the deadlines, and understanding the whole process, can be quite unnerving. Obtaining the services of immigration specialists to give you a hand is advisable. You can profit from the experience of professionals in the industry who know what is required to make a successful Singapore PR application and which will make everything faster and easier.

Paul Immigrations offers a comprehensive service that can help you on your road to becoming a Singapore resident. This immigration consultancy firm’s specialty is the application of PR. The specialists in their team have considerable skills and can navigate the bureaucracy on your behalf. Specifically, they can guide you through the process of applying for PR not only for yourself but also for your spouse (if you have one) and dependents. If you are a current Employment Pass or S Pass holder, a foreign student, or a foreign investor looking to get PR, these specialists can guide you at every stage of the process. On top of that, they have a high success rate and their specialists are all professionals who provide the best quality service. Aside from their step by step guidance, they give out expert tips on your application and the forms submitted.

The agency’s main mission is to help clients establish their future in Singapore by giving important insights towards their application including the latest information from the authorities. They provide services for Employment Pass or S Pass Holder, spouse of a Singapore citizen or PR, student studying in the country, aged parent of a citizen, unmarried or legally adopted child aged below 21, and foreign investor.

Benefits of Being a Singapore Permanent Resident (PR)

* More Job Opportunities

* Family Proximity

* Tax Reliefs

* Visa Flexibility

* Education Priority

* Citizenship

* Property Ownership Perks

* CPF Benefits

Paul Immigrations Reviews: The End to End Service

* Offer Key Insights and Expertise

The agency’s team of specialists offer essential insights and skill they have obtained from many years of experience. That is why even though the PR application process may seem complex and boring for many applicants, the team is always confident that the client will be approved in the end.

* Organise All Necessary Documents

For a successful application, all the necessary documents should be well organized. The consequences of any missing documents would end up with an incomplete application and can invalidate your application. Usually, people would need help in collating and submitting the important documentation required by the Immigration and Checkpoints Authority of Singapore (ICA) for submission via the online portal. This is the part where many applicants stumble and  as a result, they would not be able to present all of the documents needed.

* Prepare Additional Essential Documents

What will set you apart from other applicants? Additional documents that showcase your best qualities and contributions, including a letter of recommendation by your employer, will set you apart from other applicants and therefore increase the success rate of your PR application.

* Minimise Hassle and Time Wastage

Finding your way through the e-Service portal can be confusing and you will end up wasting valuable time. The site’s intricacies can mean that it is quite easy to make a mistake along the way which can end up delaying your submission or make it void. But worry not, the team will help make sure your submission process is an economical and flawless one.

* Lead You Throughout the Entire Process

The different types of documents required can make the whole process confusing and challenging. One simple mistake can make your submission void, thus compromising the possibility of you gaining the PR status. The team helps to lead you through this process.

* Craft Personalised Cover Letters

Your personalised cover letter should stand out from the rest of the applicants because there are thousands of letters and with all the cases The Immigration and Checkpoints Authority handles, yours may get unnoticed. However, with some professional advice, you can have a better chance of your case receiving the attention it merits. The company’s specialised team of writers will make a well-written and comprehensive personalised cover letter using your strengths and skills.

Paul Immigrations Reviews – The Agency’s Strengths

* Policy Knowledge and Professional Case Management

* Strong Complete Documents Package

* Minimise Hassle and Time Wastage

* Strategic Approach in Handling Complex Issues

Clients can assess their  PR eligibility by filling out the form found at the company’s website by filling in the fields data such as Applicant’s Name, Email, Mobile Number, Current Singapore Work Pass, and Relationship with PR/Citizen.

Relevant Questions About Employment Pass (EP) or Permanent Residency (PR) Application

For those who have a lot of questions about the required to make a successful Singapore PR application or those pertaining both to the specific requirements of the process and the more general inquiries about living and working in Singapore, the FAQ pages and Tips pages at Paul Immigrations’ website is a rich source of information. These pages are very substantial and answer not only the standard sort of questions that most people will have, but also the more complicated or elaborate questions that need specialist knowledge and of which you might not be able to find responses to elsewhere. Just browse the Free Tips category and you will undoubtedly find the answer to your questions.

Contacting Paul Immigrations:

Clients can get in touch with the agency by filling out the form found at the Contact Us page or by calling them at +65 6206 6390. They can also visit them at Suntec Tower Two, 9 Temasek Boulevard, #13-01/02/03, Singapore 038989. Office hours are from Monday to Friday, 9.00 am to 6.00 pm.