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.

Diamonds are Women’s Best friend


People say that diamonds are women’s best friends. Because women are naturally vain, that’s one of the reasons, and other is, women have this affection towards the glittering things as it symbolizes how important they are most especially if a man gives it to them, women. So if you are planning to make your partner happy and have a desired to be with her for the rest of your life as your wife and a mother of your future children? Why not considering proposing to her by getting the best Diamonds you could see online. And I recommended you to check some diamond rings online because online has a wide market and you might get a good steal than buying it in any physical stores near you. Good thing I had found this one online store called Auratenewyork.com where all the finest and trendiest kinds of diamonds were houses. But of course, it’s still up to you though if you would like to get yours in this shop.

In addition, Diamonds are a good source of investments too. Unlike with the other type of jewelry that depreciates its value as time goes by hence, it’s better to invest in something that you will know will grow its value and can be pass on to your next generation. My mum has one diamond ring that she treasures for some good years that she had passed on to my sister already and guess what? The value of the ring went too high than the original SRP when she bought it years ago. Not just that, Diamonds can be also a good part of your fashion statement as it adds up the spice on the outfit you wanna pull off with.

Diamond is classy and won’t get out for a trend, for sure. Hence you should get it for yourself today for you to secure the future at the same time be fashionable as you be while rocking on your finest diamond finds. You can get bracelets, necklaces ankle chains, and more that are pretty available online for you to complete your desire look. But precaution for those fake stores that sell fake items of diamonds around online so better yet to buy them on the well-known brand or online stores like Aurate and others.

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.

Buying vintage finds at affordable prices

We all know fashion is diversify. Wherein the old trends are just coming back on the modern days depending on how brands or fashion enthusiast could take it. But as for the fashion news for this year, vintage finds were ones should buy off as they will come back in the limelight for this year. Though the fashion industry is kinda idle this time, due to the pandemic, this won’t hinder us to be stylish and fashionable hence you should check this shop called Newchic.com where all the trendy pieces for both men and women were houses and even selling out for very reasonable prices. You can get a pair of accessories for below $10 that is rarely seen nowadays in other online stores. So, this shop is a lot of good steals to get!

Women Genuine Leather Retro Bucket Handbag Hand Embossed Craft Flower Crossbody bag

One of the best pieces you should consider to get are these Vintage Leather Handbags. Because these type of bags will surely lasted for good years and there value doesn’t fluctuate like what other kind of bags do. You may have a best example are these berkin bags from Hermès which increases its value as the time goes by. Because leather are getting good when uses for decades. Hence, it’s a good source of investment too.

Women Yellow PU Leather Figure Pattern Printed Shoulder Bag Handbag Tote

And to those ladies who wants to be kinda extra. I think an Printed Vintage Bags are perfect for you. Because these bags are comes with different colors and they are mostly printed in some artwork that could really compliment to the bag. Hence its also good to pick as you wanted your outfit to be more looking bright and light. Mostly, these bags were to use during summer, on my opinion though.

Nylon Waterproof Multi-function Crossbody Bag For Women Men

Lastly, you won’t go wrong to any Mens Crossbody Bags. Because this bag for men are pretty useful and always be on trend. In addition, cross-bags for men are very practical because they can easily get whatever they needed inside their purse. So that will be all for now and I hope you will an idea on which type of bags will you have to consider this year for you to be on trend and be fashionable in your own preferred style.

How to Get Free Samples in Canada

There is nothing worse than buying products without having the chance to try them first. This means that you may end up wasting money on things that you don’t feel have much worth. One way to get around this is to try products before making a purchase. Here are a few ways that you can get free samples of some of the best items on the market.

Sign Up For Newsletters

The Internet is filled with websites that specialize in free samples one of the best is Free Stuff CA. Signing up for any number of them means that your inbox will be filled with offers for free products all of the time. Most of the time you are required to fill out a questionnaire so they can determine which products would appeal to you most, but they aren’t very long, so you should definitely spend a little time completing these.

Communicate With Companies

Have you ever paid any attention to packaging labels that ask for comments, questions or suggestions? This is a great way to get free samples of some of the manufacturer’s current and upcoming products. Companies really appreciate it when they are given feedback and offering these samples is a way for them to show you their appreciation.

Enroll In Focus Groups

There are market research companies in many areas that are always looking for people to try new products. The best thing about them is that they often offer samples of products as well as monetary compensation for your participation. If there are no companies in your area there is nothing to worry about; there are online panels you may be eligible for.

Take A Few Surveys

These are similar to focus groups in the sense that they are generally run by market research companies. The main difference is that they generally don’t pay as much as focus groups since there is no need to interact with others in most cases. If you join many different survey companies, you have the opportunity to fill your mailbox with samples of great products in a regular basis.

If you are on the hunt for no-cost samples of quality products, you should try following the advice here. Many people are using them to help themselves to more free products than ever. While every sample you receive may not be something you love, it is still nice to try new things without investing any money.

Types of Blogs in the Blogosphere

There’re different kinds of blogs, and bloggers who write to be able to reach certain markets. Identifying the type of blogger you want to be is of great help if ever you want to start a blog but cannot decide what type of blog to create. Here are several types of blogs to ponder on.

Personal Blogs

The first type of blog that appeared in the late 1990s was the online diary blog. These personal bloggers wanted to take their daily journal online to share their experiences, feelings, and thoughts with readers. Their blogs were the open pages of their diaries, entered through a word processor, and published on simple HTML pages. Bloggers nowadays use Blogger, WordPress, Tumblr, and other platforms to start a blog in no time and share whatever it is they want to everyone. Some write about their hobbies while others write about the causes they’re passionate about.

Professional Blogs

Those who blog to make money online are called professional bloggers. Their goal is to earn a salary through blogging. Professional bloggers use different monetization strategies to achieve this goal such as selling display ads, promoting other people’s products for a commission, creating information and digital products etc. Professional bloggers tend to either focus on one blog or many niche blogs to generate earnings. Each blog would need to have the potential for attracting a large number of readers, producing lots of traffic, and being a good fit for advertisers.

Business Blogs

Business bloggers write about their business or the company they work for. Their goal is to gain more exposure, traffic, and customers for their business. In comparison to the personal blogger, their writing is less focused on themselves and more focused on their business and their industry. A business blogger will write about the topics that’ll attract their ideal customers. They would want to attract readers that’ll ultimately subscribe to their email list and purchase something.

Niche Blogs

Niche blogs are specific. They don’t cover broad topics. You can focus on a particular topic making research quite easy. It’s easier to identify the strengths and weaknesses of that niche and write about things you know the best that eventually you can be influenced with that could possibly generates you income in the future. It’s essential to choose the topic that appeals to you. By choosing the niche you’re interested in, you’ll be able to position and differentiate your blog from other niche blogs. Among the niche blogs in the blogosphere are LIFESTYLE, Health, PARENTING, Home Decor, Religious, and Arts & Crafts blogs.

Affiliate Blogs

Bloggers that blog to generate affiliate marketing commissions are called affiliate bloggers. Instead of creating their own products, they write blog posts that review the products of others. They encourage visitors to buy those products using the blogger’s affiliate link, allowing the blogger to earn a commission as specified by the product creator. An affiliate blogger typically writes review posts on affiliate products. Some will write many reviews on one website, while others will create websites dedicated to promoting one particular affiliate product. SEO is an important part of the process, as an affiliate blogger needs their reviews to rank first in search results.

Media Blogs

These blogs are defined by the content they produce. If you’re into VIDEO BLOGGING, you’re a vlogger. If you post photos or art sketches on your blog, you’re hosting a photoblog. This type is popular among people in different fields. If you have this type of blog, find a web hosting provider that would allow you to store bigger size files that don’t charge too much.

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.

Affordable Chiffon Bridesmaid Dresses At Alfabridal.com

Choosing the right bridesmaid dresses isn’t that easy to do, that’s why most of the couples who are about to take their vows are hiring a personal wedding coordinator just to work on their wedding motifs and wedding dresses for the entourage cast, most especially their bridesmaids.

Wedding gowns for the bride is the one easy to get because there’re a bunch of brand names and wedding labels who can work out on the desire wedding gown of the bride, while on the other hand, picking a bridesmaid dresses would need to be thinking of not even twice but many times. Because these dresses are the ones to bring up the wedding motifs or theme that you wanna project. Thankfully, there is one online wedding shop today called alfabridal where you can find all the available designs of bridesmaid dresses today in the market. This shop is leading when it comes to wedding dresses and wedding essentials, hence you should check this shop for your wedding needs!

One of the best picks to get are the chiffon bridesmaid dresses. Because they are pretty light to wear and they are perfect for any type of wedding you wanna have, they could be suited to the church wedding, garden wedding and even to the beach wedding. In short, these chiffon dresses are pretty much well-rounded and they are the most affordable ones to get in comparison to the other type of bridesmaid dresses available today in the market.

Moreover, this chiffon is a must-have when picking the right wedding gowns for your wedding entourage cast. Because price-wise, they aren’t breaking the wallet much especially if you consider buying them all at Alfabridal.com, as this shop are often makes their chiffon dresses on sale!

Speaking of alfabridal.com, folks! You may now follow them throughout their social media channels for you to get posted whenever they have any new set of dresses and most importantly if they do have some sort of awesome chic dresses on the sale! Because they keep on updating their channels for these events!

Buying Fashion Finds At HexinFashion

We all know that buying fashion finds isn’t that easy, these days. Because you will have to consider the price and the practicality of it, if it’s useable more often or not. But you know what? I have found one online shop here called HexinFashion where all the latest and trendy fashion finds for women were houses and even selling out for a very reasonable prices. In fact, this shop is the most loved by the fashion forward people and even us bloggers and vloggers due to the set of finds they were offering from time to time which makes them the leading online store today.

On this shop, you could find some rare and quirky finds that are hard to find in any regular stores out there, over online. But HexinFashion managed to have them on sale for us all to enjoy and even to make it trend in the world of fashion.

Black Wholesale Woman Fashion Summer Sexy Bandage Dress Holiday

 

Gorgeously Red Bandage Dress Ruffles One Shoulder For Women

Currently, one of their best seller on their shop are these Sexy Bandage Dresses that are made of high quality of fabric hence you will feel comfortable in wearing them. In addition, their bondage dresses are too affordable in comparison to the other shops online that sells the same designs and quality. Do you will better to check this shop first before checking other shops, wether in the mortar stores or online stores.

Eye-Catching Light Pink Open Back Adjustable Straps Teddy Lace Fashion

Resilient Black Deep V Neck Teddy Cross Straps Back Honeymoon

Beside to the sexy dresses and finds, this shop is also selling some Best Cheap Lingerie that are comes in different colors, designs and sizes. Actually, it’s my first time seeing a women store like this that also offers fashionable sleepwear than to those regular ones. You can now check their shop yourself and see on how good their each items were. And you may also follow them throughout their social media for you to get an update whether for the new releases of items or for some promotional offers.

So, that’s it folks and I hope you will consider this store on your next shopping spree!

Buying The Best Toys For Your Kids

I know everyone’s likes only the best for their kids and even to the selections of toys and clothings. Other parents are too picky for the set of toys that they were buying due to psychological impact of the toys to the kids. Hence, parents these days are kinda vigilance, we can say that, in buying the toys wether it’s online or to any nearby mortar stores around them.

But you know what? I have found this one cool toy shop over Amazon, called their company as SGILE. This company is well know for its functional toys that could develop the creative mind of the toddlers hence this is the best store to shop with, as we speaks for kid’s toys. This shop is pretty much reputable and reliable for their products because they were been listed to Amazon, because Amazon are too strict in getting a company to partnered with to.

These are the one of the best toys that SGILE is currently selling.

First on the list, is this dinosaur remote control robot. I think, you might wonder why they came up with the dinosaur toy? Well, in some strange reason kids are liking the dino toys often than to the usual toys, based on the survey, hence getting a toy that is dino is a perfect strategy especially SGILE made their own as functional as they could be.

Of course, a robot remote control toy wouldn’t be abolish to the list! Because robot toys are be loved by everyone, both girls and boys, and sometimes even young adults are into these kind of toys too.

And one of the toys you should look forward to, to have over SGILE TOY is this remote control racing car. Because kids loves to play it in no time and this toy also comes in different colors and designs which you can choose from base on the liking of the kid/s you will give it in as a present. So, I really suggesting you all to check the shop mentioned over Amazon for you to pick the right kid of toys for your kids and loved ones.

This toy is dope. I am actually liking to have it because the steer could rotate 360 without a problem and the batter sustainability is really good and at the same time the price is very cheap in comparison to the other stunt car toys that are being available today in the market. This toy is a great steal! And even us adult could actually play with it to destress.

This toy are perfectly to those kids who has a hearts for animals especially for dogs. Sometimes having a real dog isn’t practical to do as the foods and maintenance requires a full commitment so a dog is a best option for your kids to have now as you won’t consider in having a real dog for now.

So these are only the few functional toys that the company SGILE has to offer us. But you can still keen to check their shop yourself and see what are the other toys might get your interests.