Ask Away Blog: October 2018

Thursday, October 18, 2018

Tips for Organizing Your Kitchen

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




Do you feel envious when you see someone share their neatly organized kitchen drawers on social media? When you go to a friend's house and her kitchen is flawlessly organized from fridge to pots and pans, do you wish you had her skills?

Wednesday, October 17, 2018

Everything You Need to Know About CBD | Diamond CBD



It seems like everywhere you turn these days, someone is talking about CBD.  But what is it? And why does everyone rave about it? Well, that's what I'm here to educate you on today. CBD is basically a legal alternative to medical marijuana (where medical marijuana is not yet legal) that has health benefits without the psychoactive effects.  That's just a nutshell.  We will need to delve deeper into this.

Let's start with the big question...

The Joy of Owning Rats

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


2 hooded rats in a woman's lap

Before you get all rude and say "Ew" just stop.  Rats are not gross.  Sure, sewer rats and wild icky rats may make you shiver, but domesticated pet rats are amazing.  I've owned rats since I was a teenager.  Rats are so so so intelligent and very clean.  In fact, they are obsessing with cleanliness and are constantly cleaning themselves. 

Tuesday, October 16, 2018

How We Celebrated Our One Year Wedding Anniversary



 One year ago on October 12, 2017 we went in front of our favorite judge, in a $20 dress and $24 hair style, with our parents to watch, and a great photographer friend, and we had a nice little ceremony followed by a celebratory lunch at a local restaurant.

Monday, October 15, 2018

How To Style A Bookshelf

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


I used to page through magazines and look inside other people's homes at how their style was being featured in this month's issue.  And then I noticed their amazingly organized, styled, and minimalistic bookshelves and I was hooked.
If you've seen my bookshelves on social media lately, you probably have found yourself motivated to redo your own.  Some people like bookshelves full of books, others just want décor, and still others want a mix of both.  So I embrace my minimalist style by doing a slight amount of both.

Friday, October 12, 2018

Chewy 30 Day Challenge | Only Natural Pet | Final Thoughts

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




Well, that wraps up my Chewy 30 Day Challenge with Only Natural Pet Dog Food.  In the first post I introduced you and told you the basics about the food, and in the second post I told you about the changes I'd seen.

Thursday, October 11, 2018

How I Used A Necklace to Soothe My Anxiety + 15% OFF

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


You wake up and begin to get ready for your day.  Maybe you're going to work or maybe you have to run errands because it's a weekend.   Then that dreaded feeling of anxiety hits you for whatever reason and your heart begins racing and fluttering.  Your stomach starts to spin and your breathing becomes fast and makes you panic even more.  Maybe you know the reason you feel this way or maybe you're like me and although you treat your anxiety in a variety of ways, you still need a little bit of help.

If you were reading that paragraph and nodding your head yes, I FEEL YOU and please keep reading!  

See, for years I've taken medication for anxiety and depression.  It runs in my family and I've managed it very well.  Still, there are times when for whatever reason (a huge TO DO list for the day) I start to feel panicky and my heart races and as I'm walking to my building for work every morning my anxiety sky rockets.  I get in the elevator (alone since it's so early) and close the door and in the time it takes me to get up to the 10th floor, I'm staring into the mirrored doors at myself, breathing hysterically and wondering what my deal is.  I try to take deep breathes but I feel like in order to do that I need someone physically there to guide me through it.

I don't get like this every single day but when it does happen it's usually because there's A LOT going on in ALL the different aspects of my life.  

Some people have a soothing behavior they do to calm their anxiety and whether it's a quick meditation, a tap on their forehead (yes, someone told me they do that and it works for them), or writing their worries down, I am all about finding what works for you. 


The Shift necklace from Komuso Design is a breathing tool to help calm your nervous system

What do I do now?
Well, I discovered this amazing necklace from Komuso Design.  It's The Shift necklace and it was inspired by Japanese monks and designed by a therapist with a tested circumference that slows your exhale when you are breathing.  No mechanics, technology, or confusing instructions.  Seriously, it's that simple!

I was very skeptical at first because I was convinced breathing can't help me calm down.  That's because I was doing it all wrong. 

I mean, yes, you could just take a deep breath but if you're like me you need some training to actually breathe really deep.  The Shift trains your breath to go deeper so that you can feel better.  This physical act of breathing with a longer exhale triggers a neurological response inside you that calms your nervous system, slows your heart rate, reduces cortisol (the stress hormone), and relaxes you mentally and physically.

When I put it on for the first time I felt like I was in some science fiction movie where I had a magical tool around my neck that would transport me into a different time and place.  It kind of DOES do that though because The Shift brings you back to the PRESENT MOMENT.   You do realize that when you feel anxious and panicky it's usually because you are worrying about something in the future.  The Shift is designed to snap you out of it.

Woman using The Shift necklace from Komuso Design for breathing to calm the nervous system

So I began using it right away.  At first it was awkward because I was trying to rush my breathing and I blew out like it was a straw.  It made a whistle sound and I realized it's because I was being too intense.  So I really stopped and tried my hardest to exhale slowly and naturally and after 3 tries it worked!!   For the last 2 weeks at work I've been using it every morning as I ride the elevator up to my office and I'm feeling so much better every day.   The Shift is like my little crutch, like a worry stone that you rub in your pocket.  When I sit at my desk and get anxious I turn my chair around, face the wall, close my eyes, and breathe.  The best part is, it's so discreet that no one even knows what I'm doing anyways.  
Woman wearing The Shift Necklace in Rose Gold from Komuso Design

But, it's also really fashionable...
The second best part is that The Shift is such a gorgeous necklace and I get compliments everyday.  The third best part is that people don't even know what it is unless I tell them.  You can choose silver, gold, or rose gold based on the type of jewelry you typically wear and you can absolutely layer this necklace with other ones. 

The Shift necklace from Komuso Design in Rose Gold with  instructional insert

Yes, it's easy to use!
If you're thinking to yourself "I won't even know how to use it", stop that! Inside the packaging there's a little fold out guide that explains in 4 easy steps how to do it. 


First, you inhale deeply through only your noise so you fill your belly with air.  While you do this you should try to become aware of your thoughts.  Then you pause briefly and gently exhale through The Shift for about 8-10 seconds and release all of the air from your belly.  This is EXHALING, not BLOWING.   Then you relax your jaw and shoulders and notice your thoughts and shifting to your breath. And finally you repeat 5 times at least.  Congrats! You just told your nervous system to take a chill pill and you're becoming more present with your breath.  Now you can tell your mind to be still.  It's almost as if you distract yourself from the silly thoughts that don't matter.
Woman breathing through The Shift necklace from Komuso Design to help calm the nervous system

Does it really work?
I guess that all depends if you use it correctly.  I can tell you that I feel a lot better and I haven't really had the random anxiety and panic feelings in the mornings lately. 


I also tend to feel rushed and anxious if I get stuck in traffic and I have somewhere to be and I actually started using The Shift necklace to calm myself when that situation comes up and it has been working like a charm.  In stead of sitting there angry at the other drivers, I go through things in my head like "Oh wow, that is a really pretty tree over there that I never noticed." Yea, it sounds corny but you will enjoy your life and your day so much more if you notice the great things around you.  I promise you that.


Woman wearing The Shift Necklace in Rose Gold from Komuso Design

Do you want your own necklace?
I highly recommend them and if you want to purchase one today you can get 15% off with the code ASKAWAY over on the Komuso Design website.  Like I said earlier, there are different colors to choose from and it's such a beautiful and lightweight piece of jewelry that even if you only use it as that, it's still worth it. 



Do you struggle with anxiety? What do you do to try to calm yourself down?  










 photo ScreenShot2014-06-25at102225PM_zps4fdda517.png













Wednesday, October 10, 2018

Top Tips that will Help You When Buying a New Car



If you know that you need to go out and buy a new car then you will understand how nerve-inducing this can be. After all, you have so much to think about and you also have a lot to discuss as well. A car is one of the most expensive items you will ever invest in and it is also going to last you for years to come as well. For this reason, it is so important that you are able to make the right decision and that you are also able to feel confident in your ride as well. If you want to know more then you can find out what whatever you need to know below.


Budget


The first thing that you need to do is try and find out how much you can realistically spend. This will save you a ton of money in the long run and it will also save you a lot of time as well. This will also give you the chance to rule out any cars that are just way out of your budget so you can spend more time focusing on the right cars. You probably won’t be in the position to buy a car out-right and for this reason you also need to look into the road tax, the insurance and even the maintenance that your car is going to have to go through when it is on the road. This will give you an even better idea of whether or not you can afford the car you are looking at.




Space


Another thing that you need to think about when you buy your car is the amount of space that it has to offer. Some cars are much more spacious when compared to others and this is great if you have kids. You do have to remember however that just because a car is bigger, that this doesn’t mean that it is able to give you more “boot” space. Some cars have more leg room, more spacious seats and other features that take up room that could otherwise be used for storage. When choosing your car, you need to think about your lifestyle. Do you continually lug golf clubs and other sporting gear around with you? Then you need a big boot space. Do you continually chauffer people around to events or even parties? Then more leg room or an additional seat may be required. If you want to impress, some performance wheels might not go a miss either and sometimes you can add this as an upgrade.




Resale


And lastly, you have to take into account the resale value of your car. There is no point you spending an absolute fortune on your car, only to find that you can’t afford to sell it on at a later date. If you want to get around this then try and find out how much your car is worth used. If you do have a dream car in mind then it may be worth you trying to find out if you can get a second-hand bargain. This is a fantastic way for you to save money.













Giving Your Home's Interior An Entirely New Look




Every so often, a household needs a mini-renovation. Trends go out of style, but things also wear out. Even if you’ve designed your home in a timeless fashion, the paint might have started to fade and furnishings might’ve become worn out. Or perhaps you’ve simply grown tired of the layout in your house. It might be time for something new. If you want to give your home’s interior an entirely new look then here are a few ideas that might provide you with some inspiration.


Tick off all the big household chores.

We’re talking about more than cleaning and dusting your household. We’re talking about the big chores that you’ve been ignoring for weeks or months. For example, you might want to start by decluttering your household. A messy layout will make your home feel smaller, and that’ll create a less comfortable environment for you and your family. If you want to make your household feel more spacious and inviting then you should get rid of the clutter that’s been building up for months or years. Opt for a minimalistic look to utilize the available space in your home.


Of course, you might not be able to complete some household chores with a DIY mentality. Some minor issues such as squeaky door frames and faded paint jobs can be remedied easily, but other tasks require a professional hand. For instance, retiling your bathroom is something that you can learn by watching YouTube videos, but you might not be able to do as great a job as a professional tiler. Additionally, if you’re dealing with a leaky faucet that you can’t fix then you might want to look into a local plumber to help you out. Sometimes, it’s smarter to get assistance from an expert so that you know your home has been fixed up properly. These practical improvements will make your home feel more comfortable as well as improving the aesthetic of your household.


Turn a spare room into something more than storage space.

You might also want to consider converting unused space in your house, whether it’s the attic, the garage, or simply a room that’s never been used for anything more than storing boxes. You could give your home’s interior an entirely new look by essentially creating an entirely new room. If you took our earlier advice and decluttered your home then you shouldn’t have any spare rooms that are overflowing with boxes of unwanted belongings. It’s time to turn spare space into something new. You could have a guest room or even a games room that the whole family could enjoy. The point is that a “new” room could make your house feel larger. Just make sure that you find the right purpose for the room. You need to put your available space to good use, so don’t create a new bedroom if the room is too small.


Think of a theme.

You might also want to improve the interior of your home by giving it a theme. Consistency can really make a household’s design look powerful. It really ties each room together. It might be something as simple as a tropical theme on one floor of the house. Or maybe you could create a consistent color palette in every room by repainting the walls. You could simply put a certain kind of plant in every room to create a natural theme. The point is that a theme could make your home’s interior look brand new.









Tuesday, October 9, 2018

Quick Ways to Add Value to Your Home



If you are a homeowner, something you will be conscious of is the value of your home. All those years ago when you purchased it for a great price and have kept it in great condition now come into play. Working on repairs when needed, ensuring you have the bigger maintenance jobs taken care of. But, over the years your needs have changed, where you once wanted a small neat kitchen you now want an open plan space. When you had no children, and big dreams you now have bedrooms brimming with lives and love. There comes a time when you are going to want to move on. Before you do so, it is best to get your property valued by a professional. Once you have an initial valuation, it’s time to get to work improving on that initial figure.

Think of it as your starting point.

Some of these tips will be glaringly obvious and others perhaps not so much, either way, it's food for thought!



Loft conversion.
Yes indeed, making more space increases the value of the house. But, it isn’t just about the extra room. It’s about what you do with it, and what the new owners could use it for. A typical loft conversion can increase the value of the house by the approximate value of one bedroom. You could sell this as an office, a yoga studio or bedroom space. Whatever you do, be prepared to pay a decent amount to get the work done. But, don't worry, what you spend will come back tacked on to the house sale money - 6 fold.


Windows & Doors
Your windows were likely fitted before you had ever set eyes on your home. Not very often do we get to pick the fixtures and fittings to such an extent that the windows are the design we wanted. If your house isn't very modern, you are going to want to take a look at getting double glazing fitted at a minimum. Unless of course, the house is a heritage site. In which case you are going to need to work with the local departments to ensure any work carried out here is true to code. If you get double glazing fitted, you will be saving money for the next tenants in the long run - and who doesn't love to save some cash?

This is also a great time to see if you can add any extra windows. Extra light in a home is a premium.

If your front door has seen better days, then likely so has your garage door. It is time to get both of them replaced. For the front door, look into something classic, with a neutral color scheme - it will work for more personality types in the long run. As for the garage, get something like a
b and d roller door. They are sleek, smart and work for any garage.



Superficial Stuff Counts

Even though you have come to be used to that leaky, dripping noise that comes from somewhere outside your house - doesn't mean that the people viewing your home in a view to buying will appreciate it. There are a few things that you need to get sorted asap.

Doors - sticking, squeaking, poor or rusted hinges
Locks - do they work, do you know where all of the keys are?
Loose or broken tiles. Not only unsightly but a breeding ground for mold
Leaky faucets or pipes. A waste of water, yes, but also annoying in the middle of the night if you happen to tune into the noise
Cracks - and cracks in the floor, walls, or plaster work
Peeling or chipped paint


GroundWork
While you might adore your carpet, all it is really doing is holding in the unique smell of your family. You might generally smell of peaches and happiness, but when people are in the house they might not appreciate it. It’s time to
invest in wooden flooring. It’s easier to clean, lasts a lot longer than any carpet and holds zero smells.

Speaking of groundwork. Head out into the garden and trim everything back. It doesn't matter what month you have decided to sell your home, you need to think of the long term. Dress the front and backyard with some perennials, and some seasonal flowers. Half of the selling of a home is showing people their future in a place if they can picture it, then they are much more likely to buy. Invest in some outdoor lighting, a little landscaping, and a garden feature. If you have the room then consider a shed or an outhouse.
Look for Extra Space

While above a loft conversion was mentioned, and the next thing on the list would be a conservatory, think smaller. If you have space under the stairs, consider giving it more function. Could you add sockets and turn it into a small working space? Could you build in some shelves and give the ideal home to some shoes, or books? Simple touches like that are interesting and innovative.


Pipes and Wires
While ideally, you will have had these taken care of every year in a service, it might be time to go a little bit further. If you have old wiring or old pipes they won’t be as cost-effective or a safe as they could be. There are also so many new smart home appliances on the market it pays to keep your home up to date. It might be a really big job, a total rewiring, but while it’s being done you can add extra sockets, and extra lighting if you wish. Plus dimmer switches and ewer safety features.

As for plumbing, if you have noisy pipes then you really need to get that taken care of as a matter of urgency. While that is being updated, you could consider getting a
pressurized plumbing system fitted, rather than a gravity fed one. You might like to add new sinks or toilets in, update all the faucets and a whole new bathroom suite.
















Small Garden? No Problem

The size of each individual’s garden obviously varies, however, the size of your outdoor space is not what matters, small gardens can often give the illusion that they are a lot bigger than reality with some careful planning. This blog post will divulge some garden ideas for small gardens to make your outside space appears bigger than it actually is.




Your garden is not limit vertically

It is important to recognise that while your outdoor space may be limited horizontally, it is not limited vertically. It is a good idea to play around with different sized trees, make sure to include some tall ones, and this will make your garden appear larger. Try to opt for trees that are taller than they are wide to ensure that you don’t cramp up the space.

Choose colours carefully

An additional area to deal with when planning the design of
your garden is to consider the colours you will use. It is often tempting to buy an array of bright colourful plants and place them randomly all around the garden, but if you think carefully about the colours you are going to use and their placement you will be able to make your garden appear bigger. It is often advised to place colours such as blues and greens around the edges of the garden and on the other hand place warm colours, such as red, yellow and orange in the centre of your garden. This is because your eyes will be drawn to the warmers colours whereas the cooler colours will blur out the garden’s edges, thus blurring the dimensions of your outdoor space.

Break up the space

Breaking up the space is another way to make your small garden appear bigger than it is. This is where
patio decking comes in useful. You can create a space for eating and socialising, as well as an area for planting herbs and vegetables. This will make your garden appear larger than it is.

No clutter

A final point of consideration is too ensure that you stay away from too much
clutter; if you add too much to your garden it will look cramped and probably even appear smaller than it actually is. You should also keep things simple, by this I mean do not incorporate too many contrasting styles and materials. When picking plants, pots, and garden furniture stick to a particular theme.

All in all, a smaller garden can still take centre stage and does not mean it can’t be as attractive and beautiful as a large one. You simply need to be realistic and decide what elements to include and which ones to leave out; you can’t incorporate everything into a limited space. These garden ideas for small gardens mentioned should help you to ensure your garden is not only stunning but looks more spacious too.














A Final Garden Update for the 2018 Season

Well I hated this gardening season.  ABSOLUTELY DESPISED IT is a better way to put it.  May was rain rain rain and cool weather. June was a beautiful month until July hit and then we literally had more rainy days than sunny ones here in PA.  I'm not even exaggerating.  It makes me so angry just thinking about it.


So needless to say, my garden SUCKED! My zucchini plant had a somewhat good haul but then got watered down and died off pretty quickly.  My tomatoes all cracked and my peppers did good for about 1 week because there wasn't enough sun the entire season.


My lettuce had kicked butt for sure and the only thing I'm left with now is butternut squash which actually did really well. 



Next year I'm doing everything the same and hoping the weather is much better.


How did your garden do this year?










Monday, October 8, 2018

Make Your Home Cost You Less



If you are to be in charge of your money as strongly as possible, you need to be aware of all the things that affect it. As it happens, one of the major things that affects your money is the home. Your home might well be costing you more than you are aware of, and often in subtle ways which can take a long time to uncover. In this article, we are going to try and uncover them, so that you can become more aware of them, and therefore ensure that they are going to have much less effect on your finances in the long run. As long as you are dealing with the following, you should find that your home costs you much less overall.

Look After It
Firstly, if you want your home to cost you less over a long period of time, make sure that you are doing whatever you can to look after it. The more that you look after it, the less it will deteriorate, and that will mean that you won’t have to pay quite so much in repair and maintenance costs. The more that you clean, and generally take care of, your home, the more you will be able to keep a hold of your money in the long run. A cleaner home is less prone to things like pests too, so that you won’t have to call out pest control as often, and it will be a home in which fewer problems arise generally. Get that right, and look after your home well, and it will mean that your fiances are in a much stronger position overall.

Keep It Simple
If you often go overboard when it comes to your home, that probably means that it also ends up costing you a lot of money too. You need to try and keep it simple if you are to ensure that you are not overspending on your home, as a minimalist home is much less likely to cost you any huge amount of money. By taking a minimalist approach, you will spend less on paint and decor, furniture, and everything else in between. It will also make for a much less stressful and more enjoyable home, and that is something the value of which you can’t really put a price on, so it is worth it for a couple of good reasons.

Go Second Hand
Finally, remember when you are stocking up your home that you can often do so without spending very much at all - and often, without spending a penny. Going second hand is a great way to find surprisingly decent furniture and so on, and you might be amazed at the quality of the items that you end up with this way. In many cases you can even expect to pay absolutely nothing by using a service like Freecycle, in which you can trade things for free with your local neighbours. In that way, you can stock up your home without spending a penny.


 
 


The information you sign up with will only be used to you with Ask Away updates and marketing. Occasionally, you may receive emails about promotions, updates, and new products.









Being Mindful Of Mental Health – 10 Tips For Everyone To Embrace



Before getting started, it’s worth noting that experiencing ups and downs is a natural part of life. Nevertheless, giving your mental health the TLC it deserves is something that everyone needs to do.



Even if you’ve never experienced past mental problems, the following 10 tips can have a hugely positive impact on your world. Here’s all you need to know.

Mindset, Brain Storming, Tablet, Woman, Sofa, Chair

#1. Maintain Physical Health

Healthy body; healthy mind. It might be the oldest phrase in the book, but it certainly rings true. Good nutrition and regular hydration provide the perfect platform for success. Meanwhile, regular exercise releases endorphins to boost your mental health during workouts.

Better still, the rewards of achieving a better physique are huge. The added self-confidence is just the start. Knowing that you’ve pushed yourself to new heights works wonders for your mental strength. Frankly, this should be the first item on everyone’s agenda.

#2. Create Positive Surroundings

A happy home environment is something that everyone deserves. While you might not always appreciate the rewards when things are in good shape, you will notice the negatives when things are wrong. First and foremost, you need to ensure that your home security is up to scratch.

This should also be followed up with the right interior design choices. Increased natural lighting and an uncluttered space will clear your mind and provide positive energy. When coupled with a comfortable bed and good bedroom surroundings, you can’t go far wrong.

#3. Embrace A Supportive Network

Life is a personal journey, but it shouldn’t be faced alone. In truth, the support of great friends and family can make all the difference. Human interaction is crucial to fighting the symptoms of anxiety and depression. Similarly, having someone to confide in is hugely beneficial throughout your life.

Person Wears Multicolored Blazer

People can often use their life experiences to provide winning advice for your problems. Meanwhile, simply sharing the magical life moments with the people you love will encourage a far happier life. Smiling alone doesn’t guarantee a positive frame of mind, but it certainly helps.

#4. Help Others

Embracing a take, take, take mentality is never a wise move, even on a personal level. Helping people in need through volunteer schemes and charity events gives extra validation to your life. Knowing that you’ve contributed to the good of the world will put your mind in a great place.

This supportive nature should extend to friends and family too. However, you cannot fall into one-way relationships where they only ever take either. Spotting the signs of damaging relationships and friendships and learning to rectify them could be the most significant step of all.

#5. Attend To Medical Issues

The need to maintain physical fitness and general health has already been mentioned. The harsh reality of life, however, is that nothing you do will prevent all health conditions. When left untreated, even the seemingly minor troubles can cause significant damage to your mindset.

From seeing a hearing specialist to getting tested for food allergies, those steps won’t only aid your health. Merely gaining a sense of clarity and finding the best ways to manage the conditions will clear the mind. In turn, this enables you to get back to living the life you wish to lead.

Hearing Aid, Hearing, Ears, Aid, Ear, Medical, Deaf
#6. Don’t Overwhelm Yourself

Maintaining a sense of control is an integral factor in living a comfortable life. This is why you must not allow yourself to become overwhelmed by taking on too much too soon. Not having a mortgage or being unmarried a little later than the national average does not matter.

The key issue is that your life evolves at the right speed for your circumstances. If you fall pregnant and feel unable to provide for a child, an abortion clinic is something to consider. Or if you disagree with that, adoption is an option. Your time will come, so don’t rush into something you’re not ready for.

#7. Give Yourself A Break

On a similar note, it’s imperative that you allow yourself the chance to take refresh the mind and recharge the batteries. Vacations are the perfect solution as they’ll also create magical memories that will provide a source of smiles for many years to come.

The vacation can only be considered a success if you are able to resume normal life in a positive fashion. Mastering the transition from post-holiday into daily habits is an essential step. Get both aspects under control, and the trips away will be immensely rewarding.

#8. Know Your Triggers

No two people are identical, so what works for you might not work for someone else. On a similar note, it’s imperative that you learn to acknowledge the items that trigger your negative responses. This can range from smoking or getting drunk to entering environments that make you anxious.

Anxiety, Fear, Stress, Emotion, Wooden

Tailoring a life that focuses on the positives and avoids negative scenarios is something that only you can do. Putting yourself under unnecessary stress on a regular basis simply isn’t an option. So be sure to avoid it at all costs.

#9. Gain Financial Security

Speaking of stress, financial worries are the most common source by far. While it may not be possible to suddenly become rich, you at least need to know where things stand. An increased sense of organisation will go a long way to promoting a healthier mindset.

This can be achieved by cutting financial waste or merely consolidating your debts. Alternatively, finding secondary sources of revenue and income could make a world of difference. When coupled with making extra efforts to boost your credit score, everything suddenly feels calmer.

#10. Stop Worrying About Others

Given that we live in a world of social media, it’s very easy to become disillusioned with your life. However, the lives that people promote online are not a true reflections. Besides, comparing yourself to others is never a sensible route to take.

Likewise, feeling pressured to keep up appearances and satisfy others isn’t a priority. It’s great to be supported by positive people, but being confident and content in yourself is the goal. Focus on achieving this at all times, and your frame of mind will forever stay positive.











Our Mini-Moon at the Cabin





I am such a homebody that travelling doesn't really relax me and instead it makes me homesick.  I've always been this way.  So for that reason and because we wanted to put money into our house this past year (we did with our patio, basement and garage floors, and screened in porch), which we decided to just take a mini honeymoon near our 1 year wedding anniversary.

Friday, October 5, 2018

You've Saved Some Money, Now It's Time To Spend It

The most sensible piece of financial advice you’ll ever get is to start saving every month and start as early as possible. Having a healthy savings account will be a huge help once you retire and it can get you out of some sticky situations before that if you’re hit with an unexpected bill out of nowhere. Having that buffer there really helps you to relax and not stress about money because you know that if something bad happens (unexpected home repairs or job loss etc.) you won’t be struggling to make ends meet.




But sometimes, people go a bit overboard with their advice about saving and they make it seem like spending any of that money is completely out of the question. That advice comes from a good place because it’s difficult to save money when you’re constantly dipping into your account and taking it back out again. If you’re always taking money out to spend on things that you don’t really need, or you’re having to use savings to cover expenses because your budget isn’t working, that is a problem. However, if you’ve been good with your savings and you’ve built up enough for retirement and some for your kid’s education and there’s still some left over, there’s nothing wrong with spending it. In fact, sometimes, you can increase your savings by spending some so holding onto it for dear life isn’t always the most sensible thing.


You’ve done the hard part and saved up some money, now it’s time to start spending some of it. Here are some of the best things to spend your savings on.


Invest It


This is sort of like saving still but you are risking the money so it does count as spending in that sense. A lot of people will tell you that investing your savings is essential but people often misunderstand that advice and think that they should start investing everything they’ve got right from the outset. Even if you go for the safest investments, there’s always the chance that you could lose the money. That’s why it’s a bad idea to invest all of your savings. What you should do instead is wait until you’ve got a decent amount saved up for everything you need in later life and then invest the extra money that you’ve saved on top. That way, if your investments don’t work out, you’re only losing what you can afford to lose and you’ve still got enough left in your savings account. The world of investing can be a bit confusing, especially if you’re not a financial expert, so it’s best to seek the advice of a professional broker before you part with your money.


Travel




Life is short and you should enjoy it while you still can. You can spend your entire working life saving up and not spending any of that money but what have you got to show for it if you haven’t enjoyed any of it? That’s why you should spend some of that money going away with the family. If you’ve built up a good amount of money in your savings account, you can afford to really splash out and tick some places off your bucket list. If you really want to have a luxury trip you can avoid the hassle of airports and long flights by hiring a private jet. The Citation X+ is the fastest jet in the world and it’ll cut flights times down by a significant amount. Having a no expense spared holiday with the family is a great way to spend your savings and get a well deserved break after all of your hard work building up the money in the first place.


Clear Debts


Clearing your debts isn’t quite as fun as splashing out on a big trip but it’s a sensible way to spend your savings. If you can pay off all of your debts, you’ll free up a lot more money each month which you can either put back into your savings or you could just increase your monthly budget and splash out on a few more luxuries. If you’ve got quite a bit of money in there, you should consider increasing your mortgage repayments and paying off the house quicker. Once you’ve done that, your monthly outgoings will drop drastically.


Home Renovations




Home renovations can be incredibly expensive and it might not seem sensible to spend a big chunk of your savings doing work on the house. But what you’ve got to remember is that making changes and additions to the house will add value so you aren’t really losing that money. You should see it as an investment because you’ll get that money back if you sell the house and if you don’t, you’ll have a bigger asset to pass down to your children one day. Moving house when you’re older is a bit of a pain so it’s often better to just make alterations to your current house.


A New Car


When you’re younger, practicality is the first thing you look for in a car. You need something with enough space to fit everybody in and you need something that is cheap to run as well. But when you’re getting a bit older, you can be a bit more flexible with the car that you drive. It’s probably best to keep your practical car but now that you’ve got the money, why not consider splashing out on something a bit more fun for yourself as well. That doesn’t mean you should start spending your entire savings account on a sports car, but you can go for something a little more flash. Having a second car will make life easier if you and your partner both need to go somewhere at the same time as well.


Food




When you’re working on a budget and you’re trying to save money, cutting down on your food bill is always a priority. That inevitably means that you have to sacrifice on quality sometimes and you can’t always buy the healthiest stuff. But now that you’ve got a bit more money to play with, you can afford to splash out a bit more. Eating right is always important but as you get older, you need to pay extra attention to the food that you’re buying. Use some of your extra money to spend a little more on food each week and cook healthier meals.


Gym Memberships


A good diet is important but exercise is the key to staying healthy. Gym memberships are pretty expensive and you probably can’t fit them into your budget when you’re trying to save up money. But now that you’ve got a healthy savings account and you don’t need to worry quite as much about your monthly contributions, you can cut back a little and spend some of that money on a gym membership instead. If you’re really keen to stay in shape, you could even spend some money on personal trainer sessions to help you get the most out of your workouts.


Having a savings account is important and you should always avoid dipping into it on a regular basis for frivolous things. But that doesn’t mean you should lock that money away and never spend it at all. When you’re in a position where you’ve got enough money saved for all of the essentials, you can start to reduce your contributions a little bit and spend the surplus on some of these sensible things. Just remember to be careful and don’t burn through it all.










Related Posts Plugin for WordPress, Blogger...