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Tuesday, January 9, 2018

Plan, Prepare and Protect: Cheerio To Cash Calamities

You are the first person to admit that last year was a slight disaster when it comes to debts and deficits. It can be very difficult to claw your way out of an empty bank account black-hole, but you don’t have to look back and dwell upon mistakes you have made with your money in the past. We are all looking for a quick fix for our finances, but saving and paying bills can take time. If you’re prepared to sit down and create an achievable plan, then you will soon be back in the money.

The Key To Financial Freedom

The only way that you can feel liberated from the chains that tie you down in your financial nightmares is to spend your money consciously. Prepare a plan each month that will help you to pay for all the essentials in your life. Think about your rent payments, phone bills and grocery shopping and make sure you’re well prepared enough to pay these on time. You will be left with money to spend on treats of your choice or you could choose to invest it into another account. The key to independence is setting aside a little money each month, just in case you need to make a last-minute unexpected payment.  

Woman Open Arms While Closed-eyes Smiling Photo

Pay It Off And Then Forget

Protect yourself from a bad credit rating and get on top of your debts. The sooner you take action with the ever-growing bills on your coffee table, the sooner you can forget they existed and move on with your life. There are companies which specialize in debt relief services. They can help you to realize the extent of your debt and will offer you support and advice on how to tackle large sums of money. If you owe money to any other people in your life, like parents or friends, then set a time frame in which you’re going to pay them back. Setting goals is proven to be the most effective way to managing money and protecting yourself from financial failures.

Budget For Your Future

Start drafting a plan to set yourself up for a steady and hassle-free future. Make a note of the larger financial investments you might need to make in the short-term and long-term periods of your life. This will allow you to set aside the money you need to pay for these things. Without a budget you will be setting yourself up for another stressful whirlwind of bills and debt. Keep your bank balance healthy and your spending low whenever you can. The harder you work to save up for the important events, the more satisfied you will be with your achievements. Be proud to be frugal now and again and you will be the one to reap the benefits.

You are now fully equipped to take on your money worries with confidence and care. Never forget the sinking feeling you experience when you have spent too much money on something unnecessary. You will soon be on the road to economic independence if you are mindful of your spending and you set attainable goals to set you up for the future.

xoxo,
Therese


Monday, January 8, 2018

Fix Your Finances With A Little DIY

Your finances are often the center of your world. We need it to keep a roof over our heads and a credit report can affect a lot more than we think! Yet, you could simply look inwards to make some cash on the side...Remember that famous movie quote, ‘If you’re good at something, never do it for free?’ Well, it’s actually great advice! You can make a lot of money off of the things you build with your own hands, and once you have some good reputation behind you, any materials you invest in become 2x their original value. So, when it comes to fixing your finance, turn to the DIY world to make some more money when you really need it. Here’s a little advice on how.



Sell Off Your Creations

If you have a bunch of hand carved chairs in the garage, or the pottery you put care and effort into shaping is boxed up in the attic, it’s time to clear that out and put them online. There’s always a collector out there for niche markets, and a lot of the time normal people like you are looking for cheap alternatives to the big brands. Give them the quality assurance seal and sell them off for a good price.


Any penny of some extra money can do wonders for your bill needs at the end of the day. For example, when it comes to knowing how to repair your credit, we’re all looking for answers. Yet, putting your skills to good use is definitely a time and money considerate effort when it comes to paying off those credit card bills. You might not even need to use your credit as much as you used to once you have your side hustle off the ground!

Where to Head to Start Selling!

You’ll probably want to start up on a platform that’s well known for what it does and has a huge exposure. Then, make sure you title and tag your pieces properly and then advertise about them on your social media. You never know when your friends and family are looking to invest in products that are a little closer to home.

Try out marketplaces like Etsy, as there’s over 30 million registered customers here. Imagine how many hits a day you might get! You can even offer promotions and sales for returning customers by slipping in a card with a code with every product you ship out. If you’d rather let people bid on your items you can head to the good ol’option of Ebay, but the fees here can end up rather hefty. With both options, listings can cost you a few pennies each time, but there’s no breaking the bank involved.

Your finances need you! You spent some good time on making your creations and you had fun with the process, it’s time to make the money you deserve from it. This is often easier than you think, so try out these options.

xoxo,
Therese
Friday, December 22, 2017

Is Your Conservatory as Stylish as it Could Be?

It’s a big question and one that many homeowners ask. In some ways, the conservatory is easy to style and accessories. Awash with an abundance of light, dark colors and bold patterns shine. But its simplicity is deceptive. Without a few details here and there, the conservatory can look sparse.  Just how do you style a conservatory to that is transforms from a barren landscape to a room rich in detail and style, but without swamping the space or cluttering it too much?



Hitting the Right Style Notes

Hitting the right notes means understand key elements of the space, all of which are covered in this guide to stylish conservatories, including;
  • The different functions of the conservatory inform key styling choices
  • How color, tone and shade will vary in the space
  • How big bold patterns and block colored soft furnishings can create both a traditional and modern appeal
  • How rattan is a great solution for the conservatory because of its durability and robustness
  • How to heat the conservatory to create a great a great space for use in autumn and winter


Everything you Need to Know in One Handy Guide

The fantastic Guide to Stylish Conservatory Furniture is perfect for any homeowner looking to revamp their conservatory space or those enjoying this kind of popular home improvement for the first time.

What changes will you make to transform your conservatory into an extraordinary space?
Monday, December 18, 2017

Villa Escudero Waterfalls and Villas

Villa Escudero is one of the top tourist attractions that balikbayans visit to rekindle their Filipino spirit. And, many foreign tourists are even more intrigued with the rare dining experience Villa Escudero offers.


Villa Escudero in Tiaong, Quezon allows its visitors to experience Filipino life and culture through food, accommodation, museums, folk dance presentation, and other recreational activities. But, in this article, I’d like to highlight my review on my dining and overnight experience in the Villa.

Overnight Accommodation

Villa Escudero has five types of accommodation rooms, namely Riverside Units, Executive Riverside Units, Longside Unit, Executive Longhouse Unit and Presidential Suite. The most expensive they have is the Presidential Suite. This cost P6,200 to 10,500 per night depending on whether it’s a peak season or not. It can be occupied by at least five persons. And, it has a large veranda from which you can relax and view the river.

The Riverside Units also have verandas from which you can view the calm river. Each of these rooms cost P 4,400 to 7,000 per night depending on the season. These units can accommodate a big group with twelve members.

Since they have air condition, the Executive Units (Riverside and Longhouse Units) have a more modern design compared to the ordinary rooms. And, they are more expensive for about P1,200 to 2,200.

As for us, we stayed at the Longside Unit. Overnight stay in this room costs around P 3,600 to 6,000 depending on the season. It can accommodate up to six persons only.

This was perfect for us since we were coming from a vacation from Singapore and I had a lot of work given by my chinese tutor Singapore. This was a good spot for me to work.

I really loved how the Villa has a rustic vibe. The Villa’s accommodation rooms feature modern bahay kubo design. Among the room types, I think the Longside Unit captured the rustic vibe most. It is carefully designed with high ceiling and with the materials, sawali, and bamboo.

These designs allow natural ventilation within the room.The room was big enough. There was a main bed with a canopy. Beside it is a single bed. Then, there is a loft in which you can find three mattresses. But, either which space you prefer, you’ll feel very cozy and homey. The bathroom and shower are built with tiled walls and floors. And, they have separate glass doors. The sink is situated in between the shower and bathroom. The shower has a cold and warm switch. And the bathroom is fairly decent with bidet.

What I loved most was the outdoor living room. Here is where you can just sit and maybe take out your laptop and work. Or, maybe you can just hang out with your friends and just chill.



Waterfalls Buffet Lunch in Villa Escudero

Many tourists really visit Villa Escudero just to experience dining in at the foot of the Labasin Falls. So, the place can be crowded during weekends and Holidays. The best time to visit the place is during weekdays.

Although I think you can ask for a plastic spoon and fork, eating at the base of the Labasin Waterfalls may be best if you do it with your bare hands. Eating bare hands or Kamayan Style is a traditional way of eating in the Philippines.

At their buffet table, they serve all Filipino cuisine from soup, main dishes with rice and up to the dessert. Usually, they’ll serve grilled pork, roasted chicken, pancit, caldereta, and fresh vegetables. For dessert, they have banana cue (deep fried banana) and fresh fruits.

I’d say my dining experience at the base of Labasin Waterfalls inside Villa Escudero is satisfactory. They generously serve delicious Filipino dishes. Plus, I love the natural ambiance. The sound of the chirping birds and of the flowing water is relaxing. And, seeing many families and barkada (friends) enjoying the buffet lunch gives a vibe similar to a fiesta (celebration).

Have you experienced staying at Villa Escudero yet? Did you enjoy your buffet lunch at the base of Labasin Waterfalls? If not, I’d suggest you bring your family or friends with you to visit the Villa. If you’ve already visited the place, let me know your experience by commenting below.
Wednesday, December 13, 2017

Keeping Accurate Paperwork To Save Financial Stress


With almost a third of us living paycheck topaycheck it's a wonder that not more people know exactly what paperwork they should or shouldn't keep ensuring that their financial stresses stay at a minimum level. A lot of paperwork has to do with the home, and then there is a chunk of paperwork that is connected to work - but you need to know what is vital and what isn’t.

Bills

Any letters concerning the bills you pay should be kept as a record of your outgoings. If there has been any damage or repairs, keep hold of any paperwork you were given then. The average time to hold on to this sort of information is three years, but you might want to hold on to them for a little longer just in case. If you share the bills with a housemate or partner, then have a folder for the joint accounts, and one each for your personal bills, that way everyone knows what they are in control of.

Payslip

A lot of companies have made an effort to go ’paperless’ emailing payslips over to their employees. But it is easy to lose them in the virtual world, so why not download and print them each time they come through. Obviously you are doing against your employer's wish to be completely paperless, however, if they aren’t challenged every now and again, then they have no job being a manager. Plus, a physical copy is a lot easier to file away.

Check Stub

You can request a copy of your check stub templates and should do once a year. This flags up if anything has been going wrong during the transaction of money between your employer's account and the employee’s. It’s a great way to make sure that everything is in order, and can be a vital piece of evidence if ever you need it.

Contracts

Any information about your working contact should be written down and signed by the employee as well as yourself. A smart employee will have a copy made and keep it in their files. If along the line, you make any changes to your contract - i.e. different hours, an agreed raise or time off - make sure that you have it written down.  

Receipts

If you are self-employed, keeping hold of your receipts is very important as you are able to claim back on some of those things due to the fact that they are business transactions. For anyone else, keep the receipts of the big and expensive things, as well as new clothes or shoes. For the latter two options, once you have decided that you aren’t going to return the items, then you can get rid of the receipts.

Will

Whether it’s an official will, witnessed and signed, and drawn up by a lawyer, or it’s just a letter expressing yourwishes should anything happen to you - it’s an important piece of paper that should definitely be kept safe. You can arrange for things to be taken care of in your absence, and put a stop to overspending, financial worry, and to arguments over assets well before it’s your time to go. 

Being able to prepare ahead of time when it comes to your financial future is crucial for a hassle free future. How do you keep your paperwork organized? Comment down below!

xoxo,
Therese
Monday, December 11, 2017

3 Essential Purchases For Your New Home

When you have moved into a new home, it seems like all the stress is behind you. Your own house is sold, you have the keys to your new abode, and a fresh chapter of your life is just beginning.

To an extent, those early few weeks in your new house are the most exciting time of the move-- but they can also be the most difficult. Moving home is more than a little discombobulating; you abandon your old routines, but you have yet to establish new routines to take their place.

One of the best ways of obtaining a fresh start without any of the hangover from your previous home is to invest in a few new items for the house. These items help to signify a new beginning, and -- if you get it right -- a genuine improvement to your life. Rather than trying to keep going with the way things used to be, you begin afresh, your life changed for the better.

Here are a few essential purchases for when you have moved into a new home.



Your Mattress

First and foremost, mattresses don’t tend to move well; it’s incredibly easy for them to get dirty or grimy, because mattresses aren’t really intended to be moved. So why not skip the whole moving process, and spend your first night in your new home sleeping on an entirely new mattress?

All you need to do is select the right mattress for you; if you’re not sure of your needs, then you can find a comprehensive overview of what might work for you at Mattress-Guides.net. Then, you order the mattress online, and have it delivered to the new address, and you dispose of your old mattress the morning of your house move. This technique means you don’t have to move a mattress at all, and there’s a blissful night’s sleep awaiting you after the stress of moving day.

The Household Clocks

Clocks are a constant reminder of our place in the world. They keep us on track, help us stick to routines-- and it’s the latter point that makes them so ripe for replacement when you move home.

As mentioned in the opener, moving house is a time when you have to develop entirely new routines. What better way to announce a fresh new start than by changing the clocks that your routine depends on? This way, you can establish a new routine with new devices to assist you, helping your entire life feel like a clean slate.


Your Main Rugs

As TheSpruce.Com points out, rugs are essential to good interior design. Rugs help to bring a room together, the final touch that helps create texture and color in a room. Most people choose to move their rugs over when they move house, but this isn’t the wisest choice.

After all, those rugs were purchased for the old house; there’s no guarantee they’re a good fit for your new abode. Start afresh with new rugs when you move home, helping you cultivate an entirely new interior design scheme that will signify the next stage of your life.

With these changes made, you can enjoy your new home and the fresh, exciting start that it signifies.

xoxo,
Therese


Friday, December 8, 2017

Essential Guide to DIY Home Improvements

So you decided to remodel your home without paying professionals a fortune? You might be able to save money, but be warned: you are embarking on a learning journey, and need to be prepared for unexpected obstacles. If you are planning on renovating your kitchen, replacing your bathroom, or getting a new floor installed, you should consider getting ready for emergencies. Read the guide below.


Read the Guides

While hanging wallpaper seems easy on DIY videos, you might find it challenging. If you have a textured or extra heavy wallpaper, you will find that it needs more time to soak in the past, and it will be harder to hang. Ask your friends for tips, and check out videos on how each type of wallpaper is put on. Likewise, if you want to replace your doors, you will need to read the detailed guide, or you will create a huge mess, and end up calling a professional.


Don’t Stretch Yourself

If you work full time while trying to remodel your house, you will feel exhausted. Remember to take a break every now and then, and take your DIY project as something that will wait. If you get stressed about deadlines, you are more likely to make a mistake or rush jobs, and you will have to look at the end result for a long time.

Get Help

If you are close to realizing your dreams and bringing your home to life, but find it difficult to finish your project, you should not be ashamed of asking for help. Many people start a home improvement project without realizing how much work and time they have to put in. Ask your family members and friends if they are willing to help you out, and promise that you will return the favor.

Consider Safety First

If you have kids in the house, make sure that they are aware of where you work. When using power tools, always follow the recommended safety procedures. Wear safety equipment and glasses, and never leave power tools plugged in. Take care of your wires, or others in the house might trip over them. Communicate the project, so your family knows what to expect. You don’t want to be polishing the floor while the kids are trying to watch their favorite TV program.

Keep Emergency Numbers Handy

No matter how good you are at DIY, things can go wrong. When working in the bathroom and the kitchen, you should be prepared for emergencies. Keep the number of this local plumber within easy reach, so at least you can get the water turned off, and minimize the damage caused by a burst pipe. Get home emergency cover, just in case something goes wrong.


Whether you are new to DIY or an advanced homemaker, you will need to be ready for every situation. Stay safe, inform other family members, and ask for help if you feel overwhelmed by your remodeling project. Get an emergency home insurance, and enjoy each job as you go.

xoxo,
Therese