September 16, 2014

How Much Life Insurance Do I Need At This Age? aka What I Learned from a Robbery #IAmProtective

This shop has been compensated by Collective Bias, Inc. and its advertiser.  All opinions are mine alone.



Do you remember my blog post about when my beloved Chihuahua Pixie was stolen?  I was like 21 years old and never thought anything as scary as a break-in and robbery could happen to me.   I also knew nothing about life insurance.  To me, the term "life quote" had nothing to do with insurance, in fact I thought it meant a famous quote about life!  And as a 21-year old I have never once sat down to say " How much life insurance do I need at this age??" God forbid anything as scary as that would happen to me again, at least I can be more prepared. That's also why a life insurnace corporation like Protective Insurance is a good idea. 

You really need to be prepared for anything at any age!   I mean, i lost all of my jewelry, my digital camera, and my sense of security.  Had I known a little better and taken precautions like getting expensive items insured, or locking them up correctly I may not have been so caught off guard.   Fast forward to right now, I have an inventory list of all the things I own.  




When it was all said and done, I did get the most important thing back... Pixie!   But it taught me a big lesson about properly preparing and protecting myself for the future.  It is now extremely vital for me to protect my home  and everything in it.  That includes my finances, my family, and my life.     

I am going to be buying my own house next year and  long term home next year and I need everything in it including my money, the money I invest in it, my belongings, and my family to be safe.   To do this I need to properly educated myself and make sure I'm always prepared for unexpected occurrences in the future. 

Have you taken a look at Protective Insurance yet? What are you protective of?   Now, imagine that you were able to see the future and prevent what you are protective of from ever being harmed or taken from you.  I learned so much about benefits of something like Protective Insurance and now I am proud to say I have an emergency fund saved up to cover any kind of job loss, temporary inconvenience from a robbery or identity theft, and I am much smarter about how I spend my money both online and off. I also have begun researching life insurance so that my loved ones are taken care of in any circumstance!

Oh and sports fans, you will be happy to learn (I learned thanks to #CollectiveBias) that There's a special promotion during the Alabama/Florida game on 9/20.  Protective will actually donate $1 (up to $10,000) to the Nick's Kids charity whenever people simply tweet #Iamprotective or use the hashtag with a post on Instagram or Facebook!

So tell me...What Are You Protective Of?



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What to Bring to a 5K

Last month I ran my first 5K and I couldn't be more proud of myself, not only for how I performed, but how I prepared as well.

Here are 5 things I brought with me that really helped!



1. LA Fresh Female Hygiene Wipes
These are great for right after a run when you don't necessarily want to change clothes but you want to freshen up.
2. Chill Towel
My magical towel that makes me cooler instantly.   This helps prevent any headaches I normally get when I run too hard and get too overheated!
3. LA Fresh Instant Body Soother
Sometimes my skin gets itchy from sweat and the 5k was no different thanks to the rain and sweat.   This is perfect for a quick wipe down of my skin.
4. Shower Pill
The Shower Pill is an enormous wipe that helps you freshen up and is big enough to use on your whole body.
5. Go Sport ID Band
This is engraved with a motivating quote that I chose (What does not kill me makes me stronger) and on the back is my ICE (In Case of Emergency) which has my mom and dad's names and numbers.  This is great for when you go on a run or hike by yourself but I always felt it would be important incase something were to happen during the face.  I also changed out the band from my usual green to purple!
What do you bring along when you go to a race?


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4 of the Biggest Budget Myths You CAN'T AFFORD To Believe





I love blogging about budgets, but when I talk about it in person, it seems there are a lot of myths that people bring up in regards to budgeting.   So I am here to address them.  
Here are some common budget myths that you really CAN'T afford to believe.
"I can't get on a budget, I don't even make enough money as it is."
You don't make enough money because you AREN'T on a budget.   A budget  is a way to address your finances and make a spending plan.   So if you think you don't make enough money, a budget can actually help.
How?
[] When you write everything down you can see where your expenses go.  Maybe if you cut out your bar visits, dining out, and daily Starbucks you actually DO make enough money to pay all your bills.
[] Budgets allow you to control where your money goes so that nothing gets out of hand.  


"I don't have to time to budget."
Um, being on a budget takes no time at all.  It's the initial process that take a bit of time but once you are set up and ready to go the hard work is done.   I even made a blog post about how to get on a budget.  
"I don't need a budget."
Technically everyone needs a budget.   People don't realize what a budget is. It's a system of managing your money.  So if you say you don't need one or you don't use one as it is, then you must be saying that you literally don't track anything, and you don't even keep a running count of bills in your head.    Everyone can benefit from a budget. 


"Budgets are for people that can't manage money."
This is my favorite misconception about budgets.   Even the wealthiest of people are on a budget.  How do you think they manage their money?
What budget excuses do you hear?








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I Finally Tried Palazzo Pants

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Typical me, not trying a trend until it's old news.  That's how I've always been and this time was no different with Palazzo Pants. 


Last month I went on a shopping spree at Rockvale Outlets Lancaster and I found these beauties at deb. I figured I would give them a try since they have an elastic waistband and I knew they would be comfortable. 
And now I'm hooked.  They are so light and airy and they go great with so many different colored tops.  They also are a great statement piece. 


So What I Wore:
Cami - Express; Palazzo pants - deb at Rockvale Outlets Lancaster; Wedges - Just Fab.





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September 15, 2014

How to Make Room in Your Closet + A List of Things to Purge



Recently, I had to make some space for my Fall wardrobe and I realized I literally must have too much crap in my dressers and closet because I have no more room.  We only wear a select amount of things from our wardrobe but we continue to come up with legit excuses for why we keep everything else. 



In order to do a proper wardrobe purge you need to do a few things.
Schedule It - Clear your schedule and set a night to do nothing but purge your wardrobe.

Try Everything On - Be ready to slip in and out of clothing all night.  It may be annoying but it's necessary to see what fits and what doesn't. 
Have Pile Labels - I had a piece of paper for each category (Keep and Toss).  If something fit and I liked it, it went in the keep pile, and if not it went in the toss pile to be sold on ebay or donated.



Many people don't think they really have that much to get rid of especially if they routinely get rid of a few things here and there but now that I did a huge purge of my own, I figured I'd put together a list of things everyone should double and triple check.
So here it goes:
[]Jeans, Shorts, & Capris // If they don't fit STOP HOLDING ONTO THEM!
[] Socks with holes or no matches
[]Underwear with holes or that aren't comfortable
[]Shoes that don't fit
[]Shirts with stains
[]Shirts with holes
[]Shirts that are too revealing thus never get worn
[]Workout apparel that is torn
[]Legging with holes
[]Tights with runs
[]Tshirts that you get from promotional samples that you never wear
[]Tshirts that are turning into crop tops
[]Shirts that are faded
[]Dresses that are too short thus never get worn
[]Swimwear that's over 3 years old (and showing signs of wear)
[]Sweatshirts that are bulky and never worn
[]Handbags that you haven't used in years
[]Bras that are stretched and worn out (Replace them)
[]Halloween costumes you'll never wear again
[]Blouses that you can see through which is why you never wear them
[]Camis that have shrunk and don't really fit anymore
[]Anything white that has been ruined by washing it with something of color (automatic tye dye!)


What else can you add to this list?






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Stay Therafirm + A Giveaway

This site has affiliate links and sponsored content. Read my Disclosure Policy.

On days when I am really active but not officially working out, I like to be able to move around and still feel comfortable.   But also, I want to look good just like any other gal wants to. 



 This is why I love Therafirm. Actually, to be specific it's GOGO by Therafirm, which is gorgeous legwear that uses the most up-to-date technology and comfortable fibers to create high quality garments.  GOGO light support gradient compression products give you a controlled amount of pressure which is greatest at the ankle and then it gradually decreases as it moved up to the top to improve circulation.  GOGO by Therafirm hosiery products give you shaping support but also benefits from true healthy gradient compression.




If you have tired feed and legs, these help energize them. And this all looks great even when you wear it when you're out and about.  

These High Waisted Leggings in Eggplant look great under a long tunic top.  They were so comfortable and easy to get on and they seriously made my legs feel more energized. I run everyday so my legs are always tired it seems!   I love how these leggings feel - so silky and smooth and soft!





The Flowy V Neck Dress is from Thread Society.   So comfortable and laid back yet has a nice chic look to it! It's so lightweight and soft. I can't wait to show you more ways I styled Thread Society items in the next few weeks!


Also, if you have been looking for a shoe subscription site STOP!   Look no further than Guilty Soles! All styles are just $19.95, no strings attached!      Seriously! I am obsessed and their shoes are much better quality than competitors!







 


    So What I Wore:High Waisted Leggings in Eggplant from GOGO; Flowy V Neck Dress is from Thread Society ; Boots - Guilty Soles.     



And one winner will receive a prize pack frmo GOGO by Therafirm that contains specific goodies in their size and color!



a Rafflecopter giveaway


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