How To Stop Overspending In 2019

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image via Unsplash

As the New Year approaches, we tend to start thinking of new goals and bad habits we’d like to change for the coming twelve months. And one of the most popular is usually to go with money. A lot of people tend to overspend at Christmas, leaving them in a bad financial position. Overspending is certainly a way of life for some, and never being able to make it to the end of the month without running into your overdraft is a depressing state of affairs.

Unplanned debt, especially that racked up on ultimately unnecessary consumer goods, is something that doesn’t seem bad at the time but can quickly spiral to unmanageable levels. Overspending each month is setting yourself up for a financial fall, and if you aren’t careful, it can end up in a downward spiral of escalating debt, further borrowing until it really begins to pinch. Stop this behaviour in its tracks and turn over a new financial leaf in 2019. Here’s how to knock overspending on the head…

What Is The Lifestyle You Can Afford?

The key is not to think of how you can get that shiny new car or luxury holiday, but instead to ask yourself what you can afford within your means. The answer is not a lottery ticket. It’s not browsing kaszinohu.com hoping for a win on blackjack. It’s not borrowing more to fund an unsustainable lifestyle. It’s quite simply redrawing the lifestyle you have to fit within your means.

Back To Basics Budget

Financial problems like this start because we are out of touch with the reality of our money situations. We’ve ignored the basic facts of income vs outgoings. It’s time for a reassessment. Looking at the past month’s budget isn’t sufficient because it doesn’t tend to take into account large annual expenses such as Christmas, the summer holidays or when the car needs servicing. These are the triggers that can often push us into bad debt. At this stage, gaining an annual picture of your finances is far more helpful. Set aside a couple of hours to create a budget planner based on what you have really been spending over the past twelve months.

Set Your Accounts Up For Success

Then, make sure your accounts are set up in such a way as will help you to manage your finances. Set up one account that your salary is paid into and your essential bills, such as utilities, come out of. Then, set up a second, linked current account, into which you’ll deposit a set amount each month – this is for things like meals out, clothes etc. Having it in a separate account with no overdraft facility means you can’t accidentally overspend. Finally, also set up a higher interest, lower access savings account. This is your long term pot of savings to enable you to meet your financial goals – saving for a house deposit or even retirement. Lastly, you may also want a secondary savings account with quicker access – this is your emergency fund for unexpected larger expenses such as car repairs. If all the accounts sit with the same bank, it’s easy to move money around online. By having that separate account for daily spending, and only taking that card around with you, you make it a lot harder to overspend and impulse buy by dipping into the money you need for essentials. Another method which is popular with some is to withdraw a set weekly spending amount in cash and consign the plastic to a drawer at home.

Girls Rashies & Other Things to Take to the Beach

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Heading to the beach, or rather packing to go to the beach with kids can be pretty daunting at the best of times. What to take can a list making task be as there is always something that is forgotten, only to be remembered once down you have made the trip all the way down there. So before heading out, here is a good and hopefully helpful check list of what things to consider taking.

  1. Towel – goes without saying as this is a pretty standard item. A great idea is to pack an extra one just in case one towel gets wet and sandy
  2. Sunscreen is an absolute must and the higher the SPF the better. Apply 30 mins before heading out in the sun and reapply every 2 hours.
  3. Taking a bottle of water is a necessity and a great idea is to take frozen bottles of water with you so when they melt it is nice and icy cold.
  4. Sunglasses and hat to protect the face and eyes. The UV rays are so potent these days that even your eyes can get sun damage and lots of people forget about the top of their head.
  5. If you have got kids in tow, make sure you pack some snacks for them if you are planning to be there for a while.
  6. Sun protective clothing like girls rashies that they can live in all day. These items are sun protective up to UPF 50+ and are so light weight and comfortable that they are perfect for in and out of the water. If you have to buy one, look for girls rashies sale and make sure that you get one with a high UPF rating for extra protection. Also keep your eye out for girls rashies Australia with long sleeves and a high neck for ultimate coverage.
  7. Coins or spare change can be handy if there is a kiosk nearby and an ice-cream is beckoning….
  8. Toys for the kids to play with whilst at the beach. Things like sandcastle making kits can entertain them for hours. Also bringing along water activity tools such as flippers, goggles, mask and boards which will add more hours of fun to their day.
  9. Wet wipes are something that can come in handy to wipe messy faces and hands after the ice cream, or even just to wash hands before eating food.
  10. A small first aid kit can be useful for things such as a stubbed toe or a small cut from shells. Band aids and an instant icepack can be really useful in case of small emergencies.
  11. Also take with you a change of dry clothes to make the trip home more comfortable for all
  12. A separate bag for all the wet clothing, swim wear and towels. This can stop them making everything wet and also easy for unloading straight into the washing machine.
  13. Shade in the way of a sun tent or an umbrella

This is by no means a complete list as I’m sure I have managed to leave off some things but to me, these are the best basic things to take with you. Enjoy the beach J

Can You Afford To Live Like A Celeb?

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Credit Link

You might be wondering whether you can afford to live your life in the same way that celebs do. If you like the way that certain celebs dress, you might want to know if it would be possible for you to live in the same manner that they do. Well, in this article, we are going to look at some of the ways in which certain celebrities live their lives, and you can decide whether you can make your life look like theirs.

Clothes

A lot of celebs like to wear clothes that have a high price tag. This is not the case for everyone, and some only wear these outfits when they have to walk down the red carpet, but others enjoy the life of luxury every day. For example, you might have seen Emma Roberts sporting some Versace clothes throughout her time as a star. But, this isn’t the only high-end brand that is worn, and certainly not the only star who loves their labels. Bella and Gigi Hadid, for example, are known for only wearing clothes that have a designer label on them.

If you want to live this way, you are going to be looking at some pretty massive price tags to pay. Tommy Hilfiger, and other clothes brands like this are going to be your friend. While you won’t be paying in the thousands for a single shirt from this brand, you’re also not going to be paying a couple of dollars either.

Engagement Rings

When someone proposes to you, it’s supposed to be one of the best times of your life. You might think that the most important thing here is going to be who you marry, but for some people, the ring is just as important. If you have seen engagement rings that some celebs are wearing, you might be wondering how you get your hands on something like that. Well, the answer is going to be with a lot of money. Even though on average celebs are still showing off flashy rings that are upward of £30,000, that’s almost half of what was being paid on average two years ago.

So, if you are following the celebrity engagement ring trends 2018 has offered, getting a ring like the celebs have might be getting easier by the year. However, if you are looking for something that is like the ring that Paris Hilton has, you are going to be disappointed unless you have a spare £2m laying around somewhere.

Accessories

Finally, you might be wondering whether or not you can accessorize like your favorite celeb. Well, that is all going to depend on your budget and who your favorite celeb is. If you are modeling yourself after someone like Kendall or Kylie Jenner, you are going to need to make sure that you have a lot of extra money for this. If you prefer to do this with the ideas of Emma Stone, or Johnny Depp in mind, this is going to be easier, even though they rock their jewelry just as hard as the Jenner’s.

After reading this article, you should have a better idea about whether you can afford to live the way that the celebs do.

How To Enjoy Black Friday Sale 2018?

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How you can enjoy the black Friday sale without you going out your comfort home? well, there were a bunch of ways to do is and one of the best way was to check on your favorite brand’s sites for the sale time hence you can get what you needed from them without stepping out your home, in this way too, you can save more time yourself than you’ll queue up outside the mall, which may takes for long time though, just to buy off some stuff that you can even get over the online shopping. Also, you should check out joann’s black friday 2018 for this matter as this shop is giving out a hugely discounts to everybody..

In addition, I have found this online coupon site here called hasoffer.com which all of the brands and stores deals were listed and you can get them all for free. Yes! you heard it right that you can enjoy the black Friday sale and at the same time you could applies the coupon codes that hasoffer.com giving out for you to enjoy more the sale events. These coupon codes can even lessen the total amount over your shopping cart even they were already discounted due to black friday sale. Thus, it’s more convenient for all of us to shop online than to the mortar stores you used to shop with.

Upon check the hasoffer’s site. It’s good to know that they’ve got an hasoffer joann’s black friday coupon codes ready now that we could get for this friday sale use. I am actually saving the codes availbale now because they might be put down later as a lot of people were trying to score the codes hence you better check the hasoffer.com site now and secured your coupon codes already!

adidas Originals X Olivia Oblanc New Collection 2018

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It was revealed recently that these 2 giants when it comes to fashion, adidas Originals & Olivia Oblanc, were collaborating for their latest new collection for 2018. And as I can see it, these pieces were too vintage when it comes to designs and style thus might this gonna be hit once these finds were gone available in the market soon. Because vintage inspired finds were too dope these days and a lot of fashion enthusiasts and icons are keep on promoting them hence these latest collection for the both brands are the jam of many.

Availability and details?

Well, as for now, I haven’t get any further details about the collection like when they’ll release it and what are the pricing ranges. But I know soon enough this collection will be gone soon to the market as this supposed to be released this year, might on the first days of December or late times of November these pieces will be gone to the market. Let’s all wait and I’ll keep you updated.

Overall? 

I finds mostly of the pieces quirky and way too unique than to the usual finds today. But I must say they has an statement already which I think mostly of the youngers these days would like to experiment with. In addition, you may often check either of the 2 brands website for the details. Because they might releases this collection soon for yourself to be updated on time.

Okay, that will be all for now and hopefully you can keep on checking me here for more fashion updates and news.

Asking For a Friend – What Men Actually Do on Stag Do

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Top view on the old town with beautiful colorful buildings and streets in Riga city, Latvia, bird eye view

Stag do weekends are an immense source of pure entertainment, especially for the soon-to-be groom and his crew of friends. Think of it as a get-together where boys can simply be boys.

Of course, customs dictate that the best man is in charge of organizing a stag do weekend but there are no exact written rules as to how this probably once-in-a-lifetime holiday is supposed to look like. Look at it this way: some like exploring cities and indulging more refined pleasures, while others prefer your typical excursions and getting hammered in the process.

people, leisure, friendship and celebration concept – happy friends drinking draft beer and clinking glasses at bar or pub

And what are your regular stag do activities? Well, you can have:

  • Water sports such as parasailing, weathercocking, canoeing, and water scooters
  • Outdoor activities, such as quad biking, hiking, and trekking in nature
  • Games like paintballing and laser tag
  • Pub crawls all through the night
  • And enjoying the all-you-can-eat buffet on a chartered cruise, to name a few

Are you and your male friends still thinking about spending your weekends overseas? Well, there are so many good places to keep the stag weekends in the world and some of them can be found in Europe.

You should definitely consider a stag do weekend in Riga. Riga City has been a tourist destination for many years now and its beauty and quality service can be a trigger for men like you to chose it before other European cities.

A stag weekend Riga style is also an unforgettable experience and is extremely economical for the fun times on a low budget. Riga is a small place but there are many things inside the “walls”, which are enough to keep any party pumping.

This is the place were Russian and Latvian cultures merge, where nightlife is vibrant and you can meet some of most beautiful women in the world. Clubs in Riga are amazing, attracts some of the finest DJs from around the world and will propel your stag do to another level.

Woman driving go-cart on a sports track

Also, if you want to experience something else, you can do pumping balling, go-karting and water-rafting and other blood-pumping and adrenaline-running activities, Riga is a place for you. You can try many stag activities during the day as well. There are plenty of outdoor spots to choose from like spas, pools and other activities for you relax and enjoy with your crew.

If you like beer, here you can try the cheapest world-class beer like Prague Budweiser, Gambrinus, Pilsen Urquell, and Staropramen. Pub crawling is the best way to get you the taste and atmosphere of the city. After that, you should definitely visit a strip club, enjoy a lap dance inside a special VIP room, and finish your special night in style.

Conclusion

If you are looking for a stag do weekend then Riga is the right place to go! As well as a reputation for beautiful sightseeings Riga has excellent restaurants and food culture. Latvia loves its food, and that reflects on the whole city.

Taking everything into consideration Riga is a vibrant and modern city which has a lot to offer. Since you want only the best for you and your crew on that special night, don’t think twice and start working on your travel arrangements.

BAPE & EA Sports Collection 2018

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Images Credit To Hypebeast.com

When it comes t my fashion style. I really wanted to have some variant and quirky stuff hence the collaborative items are ones I really looking forward to. Hence, when these 2 giant clothing brand had released their collaborative items here, photos on top, they really gets my attention and decided to include them up here for my readers, you, to know on how dope these new BAPE & EA Sports Collection 2018 were.

To be honest, these pieces were should be released during summer ( on my opinion though ) due to the theme used to them. But I think they will also be fitted for fall and winter season as long you knew on how to style them well. And as I’ve heard, the Tshirt will be ranging to $129 per peice while the hoodies would cost you around $429 per piece as well. To learn more details about this collection here, you may check out either BAPE or EA main website as I know, as for this moment, they are pre-selling these items right here hence further details had been listed out already.

For availability, I encourage you folks to check your local stores of these brands as they might have these pieces selling already. If not yet, you can still get them over the brand’s main webstore to secured your piece. Go check them out now and see what additional details they’ve added as I didn’t know the further details yet as now. But rest assured that these pieces were already listed to their respective online shops.

Advice from the experts — what to look for when buying an expensive suit

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Many occasions call for the purchase of a new suit. Perhaps you’ve been invited to a wedding, a christening or maybe you’re looking to sharpen up for the office. Either way, a suit should be viewed as a necessary investment. A cheap suit is almost guaranteed to need replacing in a couple of years, whereas well-designed tailoring can last you 20 plus!

So, what should you look out for when buying an expensive suit? And, of equal importance, how can other people tell that you’re wearing the best. CT shirts, experts in suit design, have created this guide to make your purchase the right one.

The materials

The materials that make the suit can be the determining factor as to whether your suit will last the test of time.

Look for suits that have been created with natural fibres, avoid those with labels that say it has been created with a wool-blend or man-made materials. Polyester, for example, should be avoided. It retains a lot of heat, is less breathable and creases easily. A suit with 100% wool is something that you should look out for — these suits are versatile and ooze comfort. For a lustre look, often silk or mohair (a silk-like material made from the hair of the Angora goat) is added and this gives a luxurious shine to any suit. For extra movement and comfort, a high-quality suit is often made with a small amount of Lycra and this improves its elasticity.

An indicator of the finery of the material is the number alongside the ‘Super’. The Super is a way of indicating that the wool is of high quality and the higher the number, the finer and lighter the cloth will be.

One thing that you might not consider is the material that your buttons are made from. Plastic buttons are prone to breakage and chipping — imagine if you brush against a wall or table, it will be the buttons that take the impact. Another high-quality material that is often used for making durable and long-lasting suit buttons is corozo nuts.

The design

The design of a suit determines how it fits your body and moulds to your shape over time, it is what makes the suit truly yours.

Often, it is down to personal preference what weave is preferred but some are considered higher end than others. The patterns are created in the suit by interweaving different coloured threads in different ways. The ‘twill’ weave is considered to be stylish — this has a diagonal line of raised fabric and a silk-looking finish. The ‘herringbone’ also gives a smart look— this is an intricate V weave that creates a smooth feel.

A canvassed suit jacket has been created so that it has layers of material that sit between the outer suit fabric and the inner lining. This tailoring technique helps the suit maintain structure and shape. What you should look out for is a ‘floating canvas’ — this is where the middle layer has been stitched to the fabric loosely so that the suit is able to mould to your body shape and move when you move.

The lining of the suit can be a giveaway as to how well it’s been made. Despite popular belief that an unlined suit is cheaper than a fully lined one, it actually takes more effort to create an unlined suit as the stitching and cut of the material is exposed. However, lined sleeves improve your ability to slide the jacket on and off.

The details

Even some shop assistants might not be aware of the tiniest details that can improve the quality of a suit. It can be the tailor’s own way of integrating quality into their work.

The lapels on a suit are the folds that sit either side of the opening across the chest. One detail that can indicate the quality of a suit is the lapel roll — this is the fall and curl of the lapel from the collar to the first button. If the suit is one of many rolled off a production line, it is likely that the lapel will be completely flat against the jacket and the roll will be almost non-existent. In a high-quality suit however, the lapel roll will look like it has been carefully curved — giving the jacket more texture and a better appearance.

The back vents on a suit can determine how easy it is for you to move around and feel comfortable in it. Choose suit jackets with twin back vents on the back of the jacket to improve its flexibility and range of movement.

Stalk loops on jackets are something to look out for too. This is a traditional tailoring feature which neatly keeps your flower stalk tucked away. Although it may not be a necessary feature for everyone, it shows attention to detail that’s likely to be an indicator of a good suit.

Examine the buttonholes. Cheaper suits can often have frayed buttonholes as they haven’t been stitched with delicacy. Small details like this are big giveaways as to how your suit has been made.

Sources

https://www.hawesandcurtis.com/blog/style/superior_suits

https://www.gentlemansgazette.com/how-to-spot-a-quality-suit/

http://www.telegraph.co.uk/men/fashion-and-style/10373114/Trade-secrets-what-to-look-for-when-buying-a-suit.html

http://ukmcbo.tumblr.com/post/85115442645/choosing-the-right-suit-lapel

What’s the best way to ask your boss for education funding?

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With the right training and education, adults can bring more to their workplace and feel confident in their job. However, it’s possible that many people think that they can’t speak to their employer and ask them for education funding. Perhaps they believe that this is an inappropriate question to ask, or they don’t think that their employer would agree. In reality, employees that have been invested in by their place of work often have a higher well-being and are more productive — bringing more to their company.

Are you thinking about asking your company for education funding? If so, there are certain things to remember when approaching an employer and asking them for training.

Consider all of the options

Before you suggest a course to your employer, make sure you’ve researched it properly. With many training and education providers, you’ll find that there are a range of courses and options available. From night courses to part-time degrees, to higher apprenticeships, you can find a course that will fit nicely around your work/life balance.

A lot of adults think that they have to go to university for further learning and qualifications, but this isn’t true. Speak to your local college and visit their website to see what they have to offer — it’s likely that they run a course related to your field or around a topic that you’re interested in.

Courses and learning can be flexible

It’s understandable that your employer doesn’t want your education to interfere too much with your workload. Make sure you are doing your research and demonstrating to your boss that there are flexible courses out there – designed for workers like you!

A lot of adult courses are designed so that people can be assessed on the job. This means that you wouldn’t be sacrificing any working hours for exams and your ability to complete tasks at work shouldn’t be affected.

Get in touch with your local college for more information. Ask for a detailed list of modules and methods of assessment for the course you’d like to apply for.

Your education can benefit everyone

When you’ve been trained and educated further, you can bring a range of benefits to the business.

There could be a gap in the business in terms of employee knowledge for example that you could fill. This is knowledge you can share with your colleagues. It’s also possible that after your training, you could be bringing in financial benefits for the business, for example if it means they don’t have to employ somebody else to fill a role or an external company to pick up that area of work. Think about what your new qualification could allow you to do and present this to your employer when asking the question.

It’s important for many company bosses that their employees are happy at work. Let your employer know what this training would mean for you. Will it make you feel more confident in your role? Or, more valued and empowered? If so, express these feelings to your boss.

Gather as much information as possible

Provide your boss with as much information as you can. This allows them to fully review all the information at a later date and saves them from doing in-depth research themselves.

Give them as much information as possible, this could be; module overviews, assessment methods, course testimonials and information about websites or open days so that they can find out more if they want to.

Of course, when you sign up to further education, you’re committing your own time as well. Make sure your employer knows the sacrifices you are willing to make to improve your performance at work.

Take our tips on board when asking your employer for funding. Don’t be afraid to ask the question — you and your employer can both enjoy the many benefits.

This article was brought to you by members of the Newcastle College adult learning department.

Buy All Fashion Finds At Talever.com

by admin

Summer Women Fashion Deep V-Neck Short Sleeves Front Button Loose Sexy 

Occasionally, I really did post up something about women fashion here as majority if my readers are still women hence it’s right for me then to have something informative that they could consider or perhaps in buying their clothes in like what am going to share with you all here which this online shop that is leading these days when it comes to trendy and chic women finds. And the shop calls was Talever online store where all the coolest finds in the fashion industry today were listed and even selling for there very reasonable prices. To confirm this, you can actually check the shop yourself and see on how affordable and quirky their each finds were.

Stylish Cap Sleeve Deep V-Neck Open Back Striped Jumpsuits With Belt

This shop, Talever, sells almost everything as we speaks for women fashion. And one of their best sellers which I think you should get from now on, too, were their a bunch of selections for long jumpsuits. Because jumpsuits are too handy and light to wear that could fits in or suits well in every outfit or fashion statement that you wanna pull off with. You can have some strips on either some of the plain or basic kind of jumpsuits, name it and they’ve got it all covered over their store, Talever.com.

New Arrival High Waisted Solid Deep V-Neck Sleeves Women Jumpsuits

In addition, these ladies jumpsuits are very versatile were you can wear them off in either formal or casual wearing hence no doubt why a lot of women these days are getting crazed with it and it’s nicer if you could have them in the cheapest prices, right? like on how Talever sells them in the market today. So, what are you waiting for, folks? go pick your jumpsuits now at Talever before it will runs out of stocks as a lot of gels were too pleased to get theirs as well over this shop.