How To Stop Overspending In 2019

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.

Can You Afford To Live Like A Celeb?

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.

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

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.

Shop Wise At Hasoffer.com

I admit that I was a shopaholic till now, which I was guilty about most of the time. Because I could spend an 500 USD in a single purchased in an particular shop online which now I found unpractical to do as I’ve learned the wise way to shop online. Yes! that’s why I have made this post up for you to know as well and get all the items you desired in a very reasonable and cheapest prices.

But firstly, let ms share with you this awesome coupon code site here called Hasoffer.com which may help us to achieved our shopping goals. To be honest, I’d never believed or trust any couponing site before due to my bad experiences before but this site, hasoffer, is to reputable and reliable for their coupon codes and a lot of fashion people and bloggers, like myself, are keep on promoting them as they’re getting a bunch of great deals especially their Makeup coupons that you may avail in a various online makeup shops that they caters. Go check their shop now for the list of the brands and stores they’re catering at the moment for your convenience.

Furthermore, this coupon site that I’ve mentioned is too fond is giving us all some coupon codes for our favorite online stores such kohls and others. In fact, they did has some kohls coupon code to prepared for us all to use and avail our all needs at the partnering shop, kohls, in a easiest way. If I were you now, you go to the site, hasoffer,and see for yourself in which codes you are merely use for you to get all things in a discounted prices. And not just that peeps, as I have found that they either has some morphe coupon code to use as well that makes my heart’s beats  fast as morphe is one of my sister’s fave store for all time hence I could get her something from there.

How to organize a perfect wedding – best advice from a wedding planner

Today’s weddings have become indigo parties, where the only thing that is different is people. Other people at the bride’s table and the other tables, but everything is the same: the same decor, the same menu, the same course of the wedding, often the same repertoire of the bands. The world is competing in a pattern that has already been formed, afraid to shock the guests if they make changes. There are, however, a few things you can do to make your wedding more special and unforgettable for you as a bride and for a guest. According to the wedding specialist in Pretoria, there are many things that can make your event special. Check them out below.

Don’t receive flowers at the civil ceremony

Tell all relatives and friends who come to the wedding that you do not want to receive flowers at the civil ceremony. Ask, as the equivalent of a flower bouquet, for a book or a toy, which you can then donate to a children’s home. Nothing compares to the happiness of a child receiving a gift.

Follow the American wedding model, without home visits, meet directly at the Church

This applies to those who have had the civil ceremony another day than the religious weddings. The custom is that the guests come home to the bride’s house to see her parents giving here away. If they come to the wedding, it’s clear that parents are already giving her away, right? Isn’t easier for everyone to meet at the Church, where the groom waits for the bride to face the altar?

Change the location

Are not you sitting in the same dark semi-dark wedding rooms with the same colorful hair and when you go out to a cigarette you are on a national road, or worse, between buildings? Hire a tent and a catering company and move the wedding wherever your heart likes. Maybe you have land at the edge of the city or one in the country, at the edge of the forest. Acquire or rent a tent of events, get ready quickly and get the help of specialists and you can have the wedding exactly in the place you want. Perhaps on the shore of a lake, maybe in the mountains, perhaps in the place you first met, whether it was a weekend somewhere, or perhaps even the place you first kissed. Nothing more beautiful than feeling total freedom. And out of your tent there will be no one outside the morning, that he has passed the limit for rent. These are just three changes you can make at your wedding so that it is unforgettable and out of the dusty patterns of these events.  See more here.

Have the perfect dance

You go together on the dance floor, your friends and family gather around you and you are going to dance your first dance as a husband and wife. You want this moment to be magic, full of excitement and joy and memorable for both you and your guests. Here are some things to keep in mind to have a bridal dance the way you want.

You do not have to have experience

You do not have to have a dance experience to have a special wedding dance. It is enough to take a few hours of dance from specialists who can teach you basic steps and some figures tailored to your experience. If you want to master your movements, you can also attend a dance course a few months before the wedding.

Repeat as much as possible

Even professional dancers cannot make a perfect choreography without having many rehearsal hours back. Take the time to practice your choreography as much as possible, to get you busy every step.

Have fun together

The dance of the bride and the preparation of this moment must be a beautiful, relaxing and fun experience to live together with. A dance course for brides will help you have a choreography that you can rest assured and spend more time together.

“Keep it simple”

Adjust the movements and difficulty of choreography to your ability. You do not want a choreography that is too complicated, but one that you can teach and allow you to enjoy your moment.

 

Wise Shopping For Budget Conscious Men

For some men it is important what other people think and say about him. Being nicely dressed is a way of showing others that he is strong, confident, trustworthy, and professional. You may think that it would take a lot of money to do that but really it does not. As long as you have good fashion sense, then you are alright. A small budget should not stop you from looking your best. However, there are certain things that you should remember such as not buying clothes just because they are on sale. Do not waste your money, and purchase quality items that will last for a long time. You can also visit thrift stores which are a good source of cheap apparel. A lot of these clothes were used only once and should still look great.

Using online auction sites such as eBay is another wonderful way of shopping wisely and getting your money’s worth. The key to shopping in eBay is to find quality products that are not being marketed the right way and therefore are not receiving all the bids they could be. You should be patient when you shop at eBay because you do not instantly find the best clothes but you will surely chance upon some good finds if you are patient and look hard enough. There are also places where you can haggle and get the item at a price far lower than it originally is. Remember to be polite and friendly but always stand your ground.

Shopping at online stores can likewise save you some money as well as time and effort. Check out Quizman, an online store that was developed to deliver sharp tailoring and smart casual cool to the fashion conscious man. The store is committed to selling stylish, trendy apparel in affordable prices, pushing the limits to bring you not only the latest styles but also the freshest looks, whatever the occasion. Quizman has a vast collection of clothing such as shirts, T-shirts, tops, jackets, jeans, trousers, and shorts. Shipping is free on UK orders over £60, and free on orders over £50 for international delivery. Among the payment methods they accept are Visa, Visa Electron, MasterCard, Maestro, Switch and American Express, and Paypal.

Could Blogging Change Your Life? Here Are Some Of The Ways It Could

If you were to go back a fair few years ago and discuss the word blog or blogging as a hobby, many people would look at your with some confused look on your face. Years ago it just wasn’t popular. Heck even Facebook was only just kicking off and the internet was becoming the powerhouse that it is today. But today, you say the word blog and people know what you’re talking about, these days many people you come into contact with will have their own online blog of some description. It has meant that now you can make your blog, your once hobby and passion, an actually paying job and career option. Which is crazy to think about but it can also be life changing.

You may be wondering how one blog online could change your life. There are many different aspects to that. Which is why I wanted to share some of the ways that blogging could change your life. Be that whether you want it to just remain a hobby and an outlet, or whether you really have the dream of it becoming your job to.

Image source

You can make some extra money from it

One of the first things to consider would be that blogging can actually be a way of earning some extra money. Once you have established your blog, have a decent domain authority and a good following on social media, brands may approach you to share their concept with your audience. Digital agencies may want to use your blog to help boost SEO of other sites, and of course, in exchange, you can receive products or even payment. Of course, if you do start to monetise your blog you may need to declare the second income, so always keep a record of invoices, etc to protect yourself.

It is a viable career option

If you start to make money from your blog then it could end up being a big career option for you. Blogging has become a viable career for many budding digital entrepreneurs as it gives you the flexibility to work from anywhere, at home, and can work around your lifestyle. Families have managed to sustain an income while spending more time with their children, people have gone on to create amazing businesses from the help of blogging paying the bills. Could it be a viable option for you in the future?

You could travel the world doing it

See those people sharing snaps of themselves on Instagram in beautiful parts of the world? The chances are, they might be blogging their way doing it and using their blog for one of the most unforgettable experiences of their lives. Travel bloggers can literally work from country to country, as blogging gives them the flexibility to work from anywhere with a wifi signal. It is definitely worth considering that is for sure.

It can help you to achieve your main dreams

If blogging supplements your income, or even has enabled you to earn more doing it than from your fulltime job, then the chances are it is going to help you finance some of your long term aspirations and goals far quicker. Want to buy a house? The money you make from blogging could go a long way to securing your deposit, and with a quick look online at mortgage refinancing it could certainly help you to achieve that first house, or second or third one far quicker than it would sticking with a fixed income each month. Your other long term goals might include starting a business, having time to spend with friends and family, while still maintaining your current lifestyle. A blog could make that happen for you.

Image source

It encourages you to step out of your comfort zone

It really does encourage you to step out of your comfort zone and try new things. Perhaps you were camera shy before starting a blog, but working with brands or sharing messages that you are passionate about encourages you to step in front of it for a change. Giving you the boost in confidence you need. It could help you to feel comfortable in your own skin, help others that feel similarly to you, or simply push the boundary in terms of how you think and act.

Working with brands opens you up to new things and possibilities

As your blog grows in popularity, you may find that brands that you admire want to work with you. It could be a clothing brand that you have admired from afar, or a new brand that you haven’t heard of before or simply couldn’t afford in a previous life. A blog could open you up to new possibilities, clothing ranges, products that make life easier, all while you are helping to work with that brand and share their message.

You challenge yourself to try new things

We can all get stuck in a rut. Working the same hours, doing the same thing each day and seeing the same people over and over. Some of the aspects of that routine will be great, but other parts might frustrate you as you just don’t see the challenge in your current lifestyle. Many people thrive off challenges. Be that to lose weight, get fitter, improve skills in some way or achieve goals. Blogging can help you do that as you become accountable for sharing your journey with your audience.

It can be a form of therapy for your mind

Finally, with so many more people being open and honest about the effects of mental health. Blogging can actually be a real factor to help you overcome things like that. Many people choose to use their blogs as an online diary. An outlet for how they are feeling and what they are doing. Sometime shaving a place to offload your thoughts and feelings is a blessing, and a blog can definitely be a form of therapy for that.

I hope that this has given you some ideas and motivation on how blogging could change your life.

Smart casual: Decoding the dress code

Suits are becoming too trendy these days for men. Because these suits can be turn you into very smart casual either for a very formal one. All you have to do is to know on how to style it yourself and on how you can make yourself feel comfortable while wearing it. Furthermore, there are a lot of suit types available today in the market that you could choose from with and one of which was the neutral or other called it as a basic black suits. But if you are fond enough and pretty adventurous with your own fashion, you’ll probably get excited to the colored type of suits which are recently gone viral as for the Asian men’s fashion. You may look over google on how you can pull off these suits.

Also, ‘Smart casual’ is the dress requirement for many events, including birthdays, weddings and the occasional cocktail party. But the line can sometimes become blurred between too formal and too casual, so what should you be wearing?

When to wear?

It was actually varies on the occasions and it could be also depending on it’s needs. Other can easily pull off the suits for their daily errands while other are too conscious with it and just killing it when there’s any parties up their way. But for the fashion insight, you can merely wear a suits whenever you wanted as long as you’re feeling it and the brings more confident in you!

On the off chance that it hasn’t been indicated, it can be hard to decide when to go for a easygoing look. As few workplaces and work environments have the so called ‘dress down Fridays’ or an casual clothing standard to follow. But like what I’ve said, go for it if you feels it because that’s how fashion works wonders.

Though, a certain company, if you are in to one though, are requiring it as their daily work uniforms opting to be looking neat and presentable. But of course, after the tiring day of the work it’s time for you to party and get ease a little bit which I think you should dress down by simply putting the coat down and roll up the sleeves to loose it up and to be look more party ready guy.

Some staple items

Dressing for business casual doesn’t have to involve the purchase of a new wardrobe. Simply invest in a few staple items to achieve the look.

To be honest, on my personal fashion preferences when I need to be casual smart. I’ll go for my trouser and with my plain basic tee – tucked in. Because this is a generic outfit for a man to thus if you are looking for some style that can make you dope and not so outdated in men’s fashion these days. You can simply follow the basic outfit that I’ve mentioned because I am pretty sure that this look will not go you wrong in any occasions or gatherings you might attend with.

In addition, you can buy off a nicely done blazer to finished off the total look and if it’s need to be formal in a certain time you can add up a little scarf or hankie on your blazer pocket for you to achieved the look easily. But if not, I think plain white tee will do the work.

The full outfit

It might be hard for you to style up for business casual, especially if it’s not something that you’re comfortable with to.  But CT Shirts, who are experts in men’s fashion and retailers of men’s shirts, have made some suggestions for you to follow:

The classic roll-neck

Roll-neck jumper are too essentials if the weather are still cold. But if not, I’ll suggest you to have the tank or plain basic tee to achieve the look. But more or less a classic roll-neck jumper are the legend that you should consider oftentimes.

The open collar

Open a few buttons on a smart shirt to dress it down slightly to get the casual look more. And if you’re confident enough, you can show more off your skin over the chest area but if not, you can always wear off your favorite black tee and pair it with your loosen white smart shirt. This may create a illusion actually for you to have a board shoulder looking. I think, this trick hasn’t yet popular in the western countries but for us Asian guys we also do this when we opt for the casual styling.

And to complete the look, you can get yourself a great pair of sunnies if you tend for outdoor, of course. And you can either wear your beads bracelets for the cool vibes and get the best slip on you could wear to finished off the entire look you’d tiring to pull off.

How To Dress Perfectly For Any Occasion

Image source

Style should be lots of fun, but often it can turn into a minefield. From the weather to the type of event, to how you feel about your body, there are so many factors that play into feeling comfortable, on-trend and appropriate for the occasion. After all, there’s nothing worse than the feeling of showing up for something and knowing instantly that you’ve got it wrong. You feel uncomfortable, and then you can’t concentrate on other people and making the most of the experience. Here’s how to get it right:

A Casual Occasion

Casual dressing is the everyday norm for most of us, and to get this area right, its all about quality basics that can be layered up or down depending on the season or where you’re planning to go. Well-fitting denim is your best friend here, because its so easy to dress up or down, depending on what you style it with. Add a floaty camisole top and a pair of classic courts? It’s a great outfit for drinks with friends or a date night. Add box-fresh white kicks and the perfect draped jersey t-shirt? You’re sorted for a chilled Sunday brunch. A selection of long sleeved tops and structured blouses in various colours will serve most casual occasions – whether you’re having a movie night at home or following up those hot gig tickets from The Ticket Merchant. If you want to go a little upmarket, but still retain a bit of a casual vibe, then adding a soft waterfall jacket or blazer can introduce just the right amount of tailoring.

A Formal Event

Formal events can be a bit trickier to get right, but most invitations will contain a bit more instruction about what to expect. Never be afraid to call the host and clarify if you aren’t sure – its much better than getting it completely wrong. You should also take note of the setting and likely weather – for example, a wedding on the beach may work with a floaty maxi dress and flat jewelled sandals, but for a church wedding, you’ll need a more formal dress and jacket, possibly with a small hat or fascinator and heeled shoes. Likewise, an evening city wedding may allow for something slightly more glamorous and revealing. You have to gauge what you know about the occasion in order to modify different elements of your attire. And there are still a few common-sense rules about weddings in particular, such as never wearing white unless explicitly told to by the bride. Find out what colour the bridesmaids are in too and steer away from block shades the same – you should be safe though if you opt for a patterned piece.

Ultimately, what’s appropriate is a matter of comfort – both yours and the other guests. There’s nothing wrong with doing a little research beforehand if you know others attending to find out what they’re planning to wear. Style blogs and Pinterest boards are your best friends for finding modern outfit inspiration and sparking your creative mind.

 

Your Way to be a better Gymnast

Making your way on your passion doesn’t or cant be achieved over night as you really need to work hard on it and have the love on what you’re doing and a passion to strive to be better among others. Hence, I am going to share with you a way on how you can achieved your sports career easily and technically without making any shortcuts like what other unprofessional athletes were doing.

When engaging yourself into sports. You should consider first your physic if you can physically do the job at least the basic, if you are a beginner, and of course you’ll have the idea already on what this sport is all about. Like for example a gymnast, they were saying that if you wanted yourself to be a great gymnast on your generation you should have a preserve to practice more to be perfect as being onto gymnastic really needs a bunch of practices before you can perfectly executed the routines you’re trying to pull off though. But of course, having yourself a tool or requirements to use for your practices are really a must.

Then. let me share with you the basic tools you must have as you keen and fond in staring a gymnast career.

        • One of the best and a pretty basic tool you can have was this Amazing blue pink air tracks for gymnastics cheap air pump with size 4×1.85×0.Because this board are too essential when you are doing your gymnast moves like cartwheel and some stunning tumbling which need to be don gracefully and having this in your possession especially at your own home is really a nice to do.
        • And the least needed air track should not be forget on your list. Because the air track can really help you big time for your balance and coordination that are pretty important when you do a gymnast moves. Hence, you should have it too at home like how the air pump being too essentials for you to get.
    • And to those folks out there who are keen to buy off some of these essentials tools or equipment for the gymnastic. You can simple heads up to this shop called airtrackzone where all the accessories and even heavy equipment for this sport are houses and sells out for a very reasonable prices. You can check out the shop yourself and see what finds they were offering for you to consider.