Zulily has Frozen merchandise

 

Frozen is on  Zulily. Start your Christmas shopping now. Save up to 70%.

Daily Deals up to 70% off at Zulily. Shop now!

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Investing for the future: Smart Spends that will save you money

 

investment article image 1

 

 

 

 

 

 

 

ringcentral-coupons.com

 

Amidst the mountains of coupons available, 2 for 1 tickets for days out with the kids and a calendar full of what day to pay which bills and when, the idea of spending money to save can get lost among the hustle and bustle of modern day life. It might seem like a paradox, but by making small investments now you can end up saving a lot more in the long term.

 

We’re not talking about savings accounts and scouring the interest rates like a hawk, we mean things you can spend on around the house to help reduce your monthly outgoings. Well you know, when it comes to saving money, every penny counts. Like the watched kettle that never boils, a blind spot in your finances can hemorrhage money.

 

Without a crystal ball, you have no way of knowing what the future holds, and if you’re not properly prepared for it you could end up paying an incredibly high price. Have a read of some of our tips and things to watch out for and see if you can use any of them in your financial life. You never know, spending a little now could be what leads to getting a bigger house or finally affording a dream family holiday.

 

Secure your House

secure your house image

 

 

 

 

 

 

 

 

 

 

Fidelis-security.com

 

Have a think – do you have a working burglar alarm? Do all your doors have the industry standard (and maybe better) locks installed on them? Do all your windows have locks?

 

These are questions you should be asking if you can’t remember the last time you reviewed your house security. Every month or year you pay good money to have your house insured should the building become damaged or you suffer from a break-in. Whilst this will offer you peace of mind, by making minor security upgrades you could save on insurance premiums.

 

We’re not talking about hiring a personal security company, but doing something such as installing a new burglar alarm can slash the cost of an insurance policy, potentially freeing up hundreds to spend elsewhere. Likewise, upgrading windows and doors would not only reduce heating bills (more later) but lower the risk of an insurance company, thereby also lowering the price you have to pay for cover.

 

This is a double whammy, not only do you cut costs by simple and normally relatively cheap measures, but by investing in your safety you also benefit from a great peace of mind. If your home is your castle, then make sure it’s guarded accordingly.

 

Upgrade your Utilities

 

upgrade your utilities image

 

 

 

 

 

 

 

thegreenage.co.uk

 

Whereas a security system will help you save money on your insurance, upgrading your central heating systems could help you to reduce your monthly heating bills. There are many government initiatives to help improve the efficiency and quality of heating systems, and if your boiler is over 10 years old and your income is within a certain bracket, you could receive a grant to replace your existing boiler.

 

It’s not just your boiler, by looking at the insulation in your loft or floorboards you could make further savings still. The better insulated your house is the less you will need to heat it, reducing the amount of monthly heating you use. We don’t need to tell you how much money you spend every year on heating, and by making your house more environmentally friendly you can reduce your dependency on high fuel costs.

 

Whilst these improvements can be costly, they will pay for themselves in the long term. After a few years that new boiler that’s been installed will have paid for itself, and could potentially increase the value of your house. If you’re considering re-selling, many buyers will see that a well maintained heating system will mean a good quality house, so will be prepared to spend more.

 

If you have a larger amount of money to invest, you could install a biomass heater, by burning organic materials such as wooden logs you can further reduce your energy usage to a point where you could be nearly self dependent on heating your household.

 

Life Insurance

 

There’s no accounting for what the future may hold, and whilst it may not bear thinking about, if the worst happens you want to make sure that your family is financially protected. By taking out a life insurance policy today you could make sure that your family receives a pay out that will cover them for many months worth of income after you pass away.

 

There are a range of life insurance policies to choose, from a fixed amount to a level term, make sure you check to find a policy that will give your family the most appropriate level of cover. Even if you’re only paying a small amount towards a policy now, should the unthinkable happen you can rest assured now knowing that your family will at least be prepared monetarily.

 

This is not just safeguarding if an unfortunate event should happen, policies will pay out not only to your partner or children but the grandchildren and other relatives. When you reach a ripe old age in your life, insurance could pay out an incredibly high amount to your relatives when you pass, giving them a great deal of financial protection.

 

Pay off Your Debts now and Save Later

 

This last piece of advice is possibly one of the most useful and immediate one you can take. As the economy looks to be on the mend, it can be appealing to take advantage of those higher interest rates for savings accounts and being investing and saving for whatever you may desire, but stop and think before rushing into a new account. Interest rates going up may also mean that your mortgage’s standard variable rate will increase, or that you’ll see a hike if you have a tracker rate.

 

Banks make their money through interest that piles on top of loans, making it difficult to match the interest on debts to that of savings. Unless you’re a financial wizard it’s always a better idea to get out of debt before seriously starting to save. Whilst it may not be a popular choice right now, the less debt you have shadowing over you the more freedom you’ll have in the future.

 

Not only does living debt free give you an incredible sense of relief, it will also improve your credit rating, meaning that should you need to borrow in the future for a mortgage or a new car you’ll stand a stronger chance of getting a better deal. This is because as someone that has paid back debts before, or managed their finances more efficiently, is a safer bet for banks to rely on for returning the loaned money.

 

Investments to Save in the Long Term

investment article image 2

 

 

 

 

 

 

 

 

goldwhy.com

 

These are just a few things that you can invest in now to save in the future. By spending a little bit of money now you can rely on being covered for whatever the future should hold in years to come. Home improvements, insurance policies and finance management are key tenants to having a healthy financial life, freeing you up to worry about more important matters.

 

What are your top tips for future investment? Has any of this advice help you out?

 

This blog was written by Jennifer Smith on behalf of <a href=“http://paretofp.co.uk/”>Pareto</a>, the UK’s leading independent financial advisor in the North West.

 

 

 

 

 

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Neutrogena Rapid Wrinkle Repair Product Review-#RapidResults #gotitfree

I love trying new skin care products. I am getting older so I am always looking for products to help with fine lines, wrinkles and even out my skin tone. Neutrogena is one of my favorite brands, so I was excited when I received a box of Neutrogena Rapid Wrinkle Repair Products to review.

 

Neutrogena Rapid Wrinkle Repair

I received four Neutrogena Rapid Wrinkle Repair products.

Rapid Wrinkle Repair Eye Cream-

fades the look of stubborn crow’s feet

brighten and even under eye area

smooth fine lines & texture

reduce the look of dark circles

Review: I use eye cream everyday. I have started to get some fine lines around my eyes. I have been using this product for two weeks. I have noticed a slight decrease in my fine lines and it is moisturizing.

Rapid Wrinkle Repair Moisturizer with sunscreen (SPF30)

visible results in one week

brighten’s skin tone

smooth fine lines & texture

protect from the sun’s damaging rays

fade the look of stubborn sleep wrinkles, including crow’s feet  and forehead & cheek wrinkles

Review: I use this every morning.I love the fact that it has SPF 30, especially helpful right now in the summer when I am outside a lot more. I have noticed my skin tone is better.

Rapid Wrinkle Repair Moisturizer(night)

visible results in just one week

brighten skin’s tone

smooth fine lines & wrinkles

fade the look of stubborn deep wrinkles, including crow’s feet, forehead and cheek wrinkles

Review: I use this every night after I take my shower. I have noticed my skin tone is brighter plus it is moisturizing and makes my skin feel soft.

Rapid Wrinkle Repair Serum

fade the look of stubborn deep wrinkles, including crow’s feet, forehead & cheek wrinkles

brightens skin’s tone

smooth fine lines & texture

leaves skin feeling immediately soft

Review: I like using serums, they seem to have quick results. I have several deep wrinkles in my forehead and I have been using this serum for the last two weeks and I have noticed my wrinkles on my forehead are less noticeable.

I received the above products in exchange for a review.  I only recommend products that I use and believe my readers will like.. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.

 

 

 

 

 

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Tell Me About It Tuesday

Welcome back to Tell Me About It Tuesday! We are glad to have you partying with us again this week!

In my world in the last week: I have been cleaning and organizing the house. Also spending time with the kids and playing with my new dog.

Here are a few of my favorites from last week:

smoothies

10 Smoothie Recipes

Strawberry-Shortcake-Cookie-Cups.jpg-682x1024

Strawberry Shortcake Cookie Cups

 

Make sure you hop over to see the features on Saving for My Family, Pin-n-Tell   and Woman of Many Roles. Be a dear and follow them or leave a comment if you would be so kind.

Let’s Party!
Don’t forget to visit the 2 links before yours in the party, just to keep it fair! Please visit and share as many as you can. We all love comments. {wink, hint, nudge} 
By linking up you acknowledge that the hostesses may feature your work in round ups, on pinterest or at the next party



Nice and tidy.

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The Two Minute Marriage Project Blog Tour

Marriage is a lot of work, it definitely takes effort but is worth every second. I have been married for over nine years and we have two kids. Before kids it was a lot easier to spend time together just us, after kids it is definitely harder sometimes just to have conversations let alone have one on one time.

I got the chance to read and review The Two Minute Marriage Project by Heidi Poelman.

2 Minute Marriage Project

 

The key themes in the book are:

The importance of perspective

The power of loving words

Little deeds that make a big difference

Learning how to handle conflict

The Two Minute Marriage Project is such a great book that all married couples should read. There are 60 million married couples in the United States. After each chapter there are Two Minute Action Steps to complete and repeat. I like how she tells you to write some of your thoughts and answers to the action steps. It gives you time to think about what you can do to make your marriage better.

It is hard just to choose a couple of the points to tell you about because they were all great but here are a few:

Your Happiness is My Happiness-Your spouse’s happiness is connected to our Happiness. Our thoughts affect our marriage. Try to focus on the positives and that will benefit your marriage.

Power of Loving Words- I know it sounds simple but just telling your spouse that you love them everyday. Makes them feel loved. Give your spouse compliments such as they look nice, thanks for the great meal, etc.  Make each other laugh is another easy way to show your spouse you care.

Little Deeds that make a big difference-Such as writing a love note, bring them their favorite drink, etc

Walk down memory lane- think back to all of the great memories you have together.

2 Minute Marriage Project

Review: This book is such a great reminder of all of the ways you can make your marriage better and stronger. I could relate to the whole book. Marriage is a lot of work and your spouse’s happiness is intertwined with yours. The little deeds you do for your spouse make them feel loved and to tell my spouse that I love him more often. There are definitely tough days but I am going to try to focus on all of the positives and think back to why I married my spouse in the first place.  I will be going back and reading this book often and completing the action steps and repeating them.

You can purchase the Two Minute Marriage Project starting today

Purchase it here

There is also a Kindle version for $7.99

Read more about the author here

Heidi Poelman

Heidi Poelman

I received the above book in exchange for a review.  I only recommend products that I use and believe my readers will like.. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.

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One Dirty Bowl(Fast Desserts;Fast Cleanup) Blog Tour

One-Dirty-Bowl-Blog-Tour-Christina-Dymock

I have been trying to write weekly menus every week, not only does it save me money it saves me a ton of time. I use to be looking at the pantry and the fridge around 4 pm everyday trying to figure out what I was going to make for dinner. Now that I wrote out weekly menus I also include several desserts for each week also.

That is why I was so excited to get the opportunity to get a chance to read and review One Dirty Bowl by Christine Dymock. This cookbook is absolutely awesome and is full of great recipes that I can’t wait to try.

one dirty bowl

Here all of the different kinds of recipes in the book:

Small & Scrumptious

Beautiful Brownies & Bars

Decadent Dessert Breads

Enticing Cookies

Divine Sweets

Charming Cakes, Cupcakes, Cobblers & Pies

At the end of the book there is cooking & metric measurements to help you.

Connect with the Author

Purchase the book:  Amazon for $15.90
Here is the recipe for the Chocolate Chocolate Chip Bread. I made it and my whole family loved it.
Chocolate Chocolate Chip Bread
Chocolate Chocolate Chip Bread
Author: 
Recipe type: Dessert
Prep time: 
Cook time: 
Total time: 
 
Ingredients
  • ¼ cup oil
  • ½ cup sugar
  • ¼ cup brown sugar
  • 2 eggs
  • 1 tsp vanilla
  • ¼ cup sour cream
  • 1 cup flour
  • ½ tsp salt
  • ¾ tsp baking soda
  • 3 Tbsp cocoa powder
  • ½ cup mini chocolate chips
Instructions
  1. Preheat the oven to 350 degrees. Grease and flour a large loaf pan and set aside.
  2. In a medium mixing bowl, beat the oil, sugar, brown sugar, and eggs for 3 minutes.
  3. Add the vanilla, sour cream, flour, salt, baking soda, and cocoa. Mix well
  4. Pour the batter into the prepared pan and sprinkle with the mini chocolate chips.
  5. Bake for 50-55 minutes or until toothpick inserted in the center comes out clean.
  6. Makes one loaf

Review: I love how the cookbook has everyday ingredients that you already have in your cabinets. They also don’t have a ton of ingredients in the recipes. I also love cookbooks with pictures of what the recipe turns out like, I have a tendency to make a recipe for some reason if it shows a picture of the recipe. I made the Chocolate Chocolate Chip Bread I only had to use one bowl for all of the ingredients and I had it in the oven in less than ten minutes and it tasted amazing. I can’t wait to make all of the other recipes.

I received the above book in exchange for a review.  I only recommend products that I use and believe my readers will like.. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.

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YesVideo Review & Giveaway #DivaMemories @yesvideo ends 08/14

yesvideo-logo

Do you have any VHS tapes or film reels sitting around, full of great memories? If you do Yes Video can help you put those memories onto DVD’s and you can also watch them on your phone, computer and Ipad’s. You can also share them on facebook or send them to friends and families.

They send you an easyship kit box with a plastic safety bag. The box comes with a pre-paid shipping label with your order number. You then just add the videotapes or film reels and put them in the safety bag and in the box, then drop off the box at your local UPS store. You can also add any special instructions.

Your videos will be online within 10-14 days, you will also get an email letting you know when your originals are in the mail.

My husband has several VHS tapes that we sent in to be transferred by Yes Video. He had some old wrestling videos and a miscellaneous video with several different events on it.

The process to mail them out was so easy and I like how they give you a tracking number right away so you can track your package. I also like how they email you and let you know when your originals are on their way back to you. After sending in the VHS tapes I received an email letting me know they received them I also got an email when I could access the videos online through the YesVideo website. My husband was able to forward the videos to his mom over email so she could watch them. The process is so easy and there is great communication from Yes Video.

Here is one of the videos of my husband wrestling:

 

You can read even more here about YesVideo- YesVideo – Who we are

Connect with YesVideo

Twitter-http://bit.ly/1mYij5N

Facebook-http://on.fb.me/1qjfVFX

Get your videos and film reels together and let YesVideo help you get them onto DVD’s and let you access your memories from everywhere and share them with all of your family and friends.

If you want to try Yes Video you are in luck  I am having a giveaway for a $50 gift card to Yes Video. The gift card will be emailed to you.

a Rafflecopter giveaway

 

 

 

This review and giveaway was made possible by Double Duty Divas and YesVideo. I received the featured service free of charge to facilitate my review, but all opinions are 100% mine.” 

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Tell Me About It Tuesday

Welcome back to Tell Me About It Tuesday! We are glad to have you partying with us again this week!

We got a new dog he is a chihuahua terrier mix. He is adjusting pretty well. I bought all of the school supplies for my kids. I can’t believe how fast summer has gone so far. I hope you have a great week.
Here are a few of my favorites from last week:
Printable-Back-To-School-Signs
back-to-school-lunches
Make sure you hop over to see the features on Saving for My Family, Pin-n-Tell   and Woman of Many Roles. Be a dear and follow them or leave a comment if you would be so kind.
Let’s Party!
Don’t forget to visit the 2 links before yours in the party, just to keep it fair! Please visit and share as many as you can. We all love comments. {wink, hint, nudge} 
By linking up you acknowledge that the hostesses may feature your work in round ups, on pinterest or at the next party


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Tell Me About It Tuesday

Welcome back blogging babes! I am so glad you came to party with us again this week!

We have been spending a lot of time at the pool. Tomorrow we are going to go to the Children’s Museum. The kids start school in less than a month. I can’t believe how fast the summer is going.
Here are a few of my favorites from last week:
how-to-make-Meatloaf-cupcakes.jpg-682x1024
baked-apple-pie-roll-ups

Make sure you hop over to see the features on Saving for My Family, Pin-n-Tell   and Woman of Many Roles. Be a dear and follow them or leave a comment if you would be so kind.



Don’t forget to visit the 2 links before yours in the party, just to keep it fair! Please visit and share as many as you can. We all love comments. {wink, hint, nudge} 
By linking up you acknowledge that the hostesses may feature your work in round ups, on pinterest or at the next party

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Dial Coconut Water Refreshing Mango Body Wash Review & Giveaway #GetNoticed #Giveaway ends 08/04 @12am

I absolutely love trying new products. I always have multiple products in my shower because I like to change it up. I got the chance to try Dial Coconut Water Refreshing Mango Hydrating Body Wash.

The body wash has fresh hints of green coconut and tropical mango that will make you want to go away on an island. It is also the first to contain coconut water and refreshing mango to help you have clean, healthy and hydrated skin.

I am always looking for products that make my skin healthier. I love the fact it has Coconut Water in it. I have heard so much about the health benefits of coconuts lately, they are rich in antioxidants and electrolytes.

Dial Body Wash

 

I absolutely love the smell of the Dial Coconut Water Refreshing Mango Body Wash. It smells so amazing and suds up so well, you don’t need to use a lot at all and it will clean your whole body. Skin Care products is something I can never have enough of and just love trying all kinds of products. I will be keep purchasing the new Dial Coconut Water with Refreshing Mango Body Wash. My skin feels healthier and more hydrated after using it.

If you want to try the new Dial Coconut Water Refreshing Mango Hydrating Body Wash, well you are in luck 3 lucky winners will win a coupon for a free bottle. The giveaway will run from 07/28-08/04.

Dial Coupons

a Rafflecopter giveaway

Disclosure: The Dial brand provided me with a sample of Dial Coconut Water Refreshing Mango body wash in exchange for a product review. However, all of the opinions expressed here are my own.

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Celebration Giveaway -07/25-08/15

Celebration Giveaway

Angie’s Angle is so excited to finally getting the Celebration Giveaway up and running.  With the help of some amazing girls from Sublime Media Connection we are offering you up an amazing fun giveaway.  In fact, there are two prize packs!

Why the celebration you ask?  Why Angie’s Angle is celebrating finally making the move from blogger to my very own self-hosting site.  Finally, after much back and forth about weather should she move or just not move, she did it!  And she couldn’t be happier with the move.

Now you all get to help Angie’s Angle celebrate it by giving this giveaway all the love you can master!

Celebration Giveaway Prize Pack #1 – First Place

Celebration Giveaway - Prize Pack #1

Celebration Giveaway Prize Pack #2 – Second Place

Celebration Giveaway - Prize Pack #2

Let the Celebration Giveaway begin – enter below via the Giveaway Tools – USA only please this time around.  Winner(s) will have 48 hours from the time Angie’s Angle emails them as winner(s) to email me back or Angie’s Angle will be forced to pick a new winner.  Each blogger is responsible for getting their allotted prize to the winner.

 

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Tell Me About It Tuesday

Welcome back blogging babes! I am so glad you came to party with us again this week!


Make sure you hop over to see the features on Saving for My Family, Pin-n-Tell   and Woman of Many Roles. Be a dear and follow them or leave a comment if you would be so kind.



Don’t forget to visit the 2 links before yours in the party, just to keep it fair! Please visit and share as many as you can. We all love comments. {wink, hint, nudge} 
By linking up you acknowledge that the hostesses may feature your work in round ups, on pinterest or at the next party


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Five Must Have Apps to Get Your Finances in Order(Guest Post)

As someone who recently got into the personal finance game myself (I’m a recent college grad living on her own), I’ve been digging for the best ways to scrimp and save. That’s part of the reason why I’m writing this post in the first place. After stumbling upon Saving For My Family, I decided I wanted to contribute as a means to grow my portfolio and help anyone out in a similar situation or simply in need of assistance with finances. What I found was that there are a lot of ways to track your spending habits through your smartphone or mobile device, but not all of them are worth your time. And after doing the proper research and giving many of them a fair shake, I’ve decided that these five are must-haves for anyone (single or in a family) looking to keep track of their personal finances.

Mint

I’m starting out with Mint because it’s likely that you’re already using it and, if not, it’s a great starting point for any person interested in getting his or her finances in check. You can input information from pretty much any account you have student loan, mortgage, checking, etc. and know that you can keep track of them in one place. There are also alerts and reminders available if you have trouble keeping up with bills or need to know when you’re at a certain amount with your checking/savings accounts. Oh, and it’s also free.

SavedPlus

To go in a slightly different direction in this post, I’m including SavedPlus. It’s an app that doesn’t necessarily maintain your personal finances in the traditional sense, but it does help with them in the long run. You see, it automatically deposits money into your savings or investment account, IRA, or even a pre-paid card for later. The wait it works is simple: Let’s say you put that you want 10 percent of your grocery shopping spending to go into your IRA. Well, SavedPlus will put whatever that percentage ends up being right into your account. Spent $150? $15 will appear in your IRA from your checking or savings account. You can also set a limit so that you’re not “saving” a percentage on every purchase.

BillGuard

I came across BillGuard when reading about the most useful apps on Investopedia, where writer Jean Folger gave BillGuard attention right at the start. In addition to tracking spending, which you’re probably doing on your own anyway, the app stays true to its name by guarding your credit cards against fraud. If any suspicious spending occurs, you’ll instantly receive an alert so you can handle it. This way, you won’t be locked out of your credit card and be forced to call your company to figure out what happened. BillGuard takes care of that.

CoinKeeper

If you’re using an iOS device, you’ll have to shell out $5.99 for CoinKeeper it’s free on Android but don’t let the price deter you. This app is great if you are saving for a particular goal, especially a more short-term one like a new car or family vacation. It helps you stay on track by doing more than alerting you that your checking account is low or anything simple like that. It actually tells you where you are spending too much money. Perhaps you’re indulging a bit too much at the market or dining out too frequently and not realizing it. Well, CoinKeeper will be there to let you know.

You Need a Budget (YNAB)

In all of my research, YNAB is the one app that consistently came up in addition to Mint. In articles on both Verizon Wireless and Lifehacker on personal finance tools, the authors pointed to YNAB as incredibly. The only downside? The price. While the app itself is free (hooray!), you are required to purchase software so that the app syncs with your desktop. And it’s around $60. Still, if you’re looking an all-inclusive way to track your family’s spending, YNAB is the way to go. It teaches you how to beat the paycheck-to-paycheck lifestyle, tracks spending on a number of platforms and institutions, and basically keeps everyone in your household in check.

Sara Upton is a recent college graduate who studied English and journalism. When she’s not writing or reading her favorite websites, she enjoys hanging out with her dog, Max, and her boyfriend in parks around her Los Angeles home.

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National Gummi Worm Day

It is National Gummi Worm Day, they were created by the German company Trolli in 1981. Gummi means rubber in German.

My husband likes to make dirt cups with gummi worms. I found several recipes that include gummi worms. Have some fun and make some of these.

Click on the pictures for the recipes

amyhanten_gonefishinsportss

Gone Fishing Snack Mix

sourworm2

Sour Worm Cupcakes

oreo dirt cups

Oreo Dirt Cups

 wormy orange punch

Wormy Orange Punch

Bonus

Today is also National Tapioca Pudding day. So here is a recipe.

tapioca pudding

Crockpot Tapioca Pudding

Enjoy your day!

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Tell Me About It Tuesday

Welcome back to Tell Me About It Tuesday! I am so glad you are here to party with us!



In my life since last week: I have been cleaning and organizing the house. Also spending time playing board games with the kids.

My favorites included:

peach cobbler
Okay, now onto the party!!

Make sure you hop over to see the features on Saving for My Family, Pin-n-Tell   and Woman of Many Roles. Be a dear and follow them or leave a comment if you would be so kind.

We had a ton of great posts linked up last week!


Don’t forget to visit the 2 links before yours in the party, just to keep it fair! Please visit and share as many as you can. We all love comments. {wink, hint, nudge} 

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