Saturday, 31 December 2016

TWENTY SEVENTEEN

New Year's Eve is always a day for reflection for me.. cheesy I know, but I think the whole 'out with the old, in with the new' is a good opportunity to have a think about what you want to do more of in the year ahead and what you want to do less of.

I always enjoy reading this kind of post so I thought I would throw my two pennies worth in, more for me than anyone else. I love having an online record of achievements and goals and my blog is one of my favourite things to do. Hence why I am in my pjs on NYE feeling oh so content, nice M&S meal in the fridge and a bottle of Kir Royale chilling. BLISS.

So here are my 2017 things to try and achieve!

Get back to the Gym
I used to love going to the Gym as more longer term readers will remember, but I really fell out of love with it this year in a big way. I was hating every session and stopped going - but next year has to change. I have a gym at work so there is no excuse, I just have to get back into the routine. Fresh workout attire usually kick starts a bit of motivation so I am going to treat myself and start my new year with a nice walk tomorrow to blow the cobwebs away.

Learn more about SEO
I'd be lying if I said I gave two hoots about DA scores and all that as for me my blog is a hobby that I enjoy. That said, I do think I could easily make a difference by being a little more SEO savvy so next year I plan to increase my knowledge in this area.

Travel More
This is super generic I know and to be fair I think my job will take me to some new places but I want to travel a bit, not necessarily anywhere majorly far away but it would be nice to get out and about a bit more rather than spend my weekends bumming around my flat!

Say Yes
Not to the dress, FYI. Just yes in general.. blogger events, dates, general merriment. I need to push myself out of my comfort zone and stop being a lazy bones!

Moisturise every day
I mean, there's not too much to say about this other than, I am turning 32 in Feb and I don't want a face like an old boot in years to come.

Save, Save and Save
2017 I really want to be the year I try and buy a house. Granted I will need some assistance from my parents but I am longing for my own piece of property where I can let my design dreams run wild.

Blog More
As I said, my blog is my ultimate fave hobby and I want to get into a better routine of writing and posting. Over the years I have had some fantastic opportunities to write content for brands and I would really like to do even more next year.

Kick ass at work
I have started a new job before Christmas and am already seriously loving it. I want to be top of my game and just generally display those #girlboss vibes.

Learn something new
Calligraphy, Henna, Crochet? I'm not sure yet but these were all courses I looked at in 2016 but never got round to doing. I really enjoy learning so I am going to make that happen next year.

Don't sweat the small stuff
An easy one to write but not always do.. I have a silly habit of getting wound up by the most ridiculous things and I think after all the tragic deaths and circumstances we have seen this year, I need to calm the f*ck down and put things into perspective.

So that's my list - what are you aiming for?

I would also like to take this opportunity to wish my readers a very Happy New Year. Be safe, have fun and enjoy yourselves x
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Sunday, 18 December 2016

MERRY GLITZMAS

Liquid Moondust - Urban Decay
If you can't get glitzy at Christmas then when can you?

I am OBSESSED with Urban Decay's Moondust Collection and their new Liquid Moondust Shadows are incredible!

They are comfortable to wear, beautifully shimmery and great pigment. I know what will be gracing my eyes for the next two weeks!

How do you like to wear glitter at Christmas?
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I CAN'T GET NO SATISFACTION


What's that saying? Never look a gift horse in the mouth?!

Well I certainly don't. As a child, sometimes me and my sisters would sometimes accompany my dad on his Sunday jaunt to get the papers and I without fail would ALWAYS pick a magazine with a free gift. That behaviour has continued into my adult years and I must admit I still love a freebie!

I read these Daily Mail articles about people who coupon and Christmas ends up only costing them about £6 and I really have to admire their dedication to hunting out those bargains!

I recently stumbled across free samples site, Gratisfaction UK, a site dedicated to UK freebies, voucher codes and bargains. Free origins face mask, YUP. 7 days worth of Smashbox Foundation? HELL YES. Free Cereal or Shloer? Absofrickinlutely!!

The site is super easy to use, you just click on what freebie you fancy and you will be advised what information you need to provide. Simples.

Give it a try and let me know what you get!
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Wednesday, 14 December 2016

NEW YEAR'S RESOLUTIONS

8 New Year's Resolutions To Help You Save Money!


Setting New Year's resolutions regarding money might be easy. However, it is an entirely different story to actually commit to these resolutions and follow through on them. That is why it is so important that the financial goals that you set for yourself are achievable and realistic. There is no faster way of abandoning your New Year's resolutions than to realize how unattainable they are or that the bar has been set so high that the only person who could achieve your goals would be Warren Buffett. The following are a couple of money-saving ideas that you can use for setting New Year's resolutions that are reasonable and that can help to promote continuous progress all year long.


1. Become debt-free

We might as well start out with the big one - freeing yourself completely from debt. Whether this goal is attainable and realistic will depend on what your debt and financial situation is. How much debt you have, what kind of debt it is (mortgage, car loan, credit card, etc.), your income level, and what the interest rates are on your debt all can influence how successful and how fast you can become debt free.

It is frequently very important to begin first with decreasing your credit card debt since most likely
it will have the highest interest rates. Another good place to start is with smaller debts since you can build some confidence up by crossing them off of your list of debts, and allow you to focus on debt issues that are more problematic.


2. Make extra payments on your mortgage

An excellent way to get your new year started right can be to commit to making an extra one or two payments towards your mortgage. When you make an extra payment every year, you can reduce the length of time that it will take for you to get your home paid off, and also reduce how much interest you pay to the bank. Since a majority of mortgage interest rates are much lower than the rates on credit cards, it is very important for you to review whatever other debt you have with higher interest rates that you might need to deal with before spending extra money on your mortgage.


3. Find ways of generating side income

One great financial resolution is to learn how to make some extra income. In a weak economy, supplemental income from a side business or second job can provide you with peace of mind and can be an excellent buffer against the stresses that come with economic problems. Even a couple of extra hundred dollars per month can be an excellent way of reaching your other financial goals such as starting your emergency fund, making those extra mortgage payments or paying down debt.


4. Start your rainy day fund

Another great New Year's resolution is to start an emergency fund if you don't already have one. You never can tell what might happen in the future with your finances. However, if you have an emergency fun, you can have more confidence when it comes to facing the unknown. Although some financial gurus recommend that you have £250 saved in the bank, you might want to have more than that. These days, you can't get too far on £250, especially if you should end up losing your job. Even having one to two months of income can end up going very fast, so make sure to build up an emergency fund that you feel comfortable with. Remember that you may want to first deal with any credit card debt you might have to get rid of those expensive interest payments before starting to save.


5. Coupons, Freebies and Deals
Being frugal is now one of the best ways to save, with lots of coupon sites, free UK stuff sites and deal websites then there is lots of ways you can save money, the only downfall to using them is the time it takes to find them, but you will save lots of money.


6. Understand your investment

So many people have investments that they don't know much about. The recent mortgage meltdown is a perfect illustration of the fact that so many homeowners really didn't understand the mortgages that they had committed themselves to. Many people associate understanding their financial situation and investments with knowing which stocks they own or how much their contributions are to their 401Ks. Although those are great initial steps, you should make even more of a commitment and understand financial topics like how Social Security benefits get calculated, how much credit is costing you every year and where your money is invested.


7. Learn how to save

It might sound easy to learn how to save. However, it isn't something that happens overnight. It can be a very involved and lengthy process to become used to money-saving techniques, particularly for people who don't have a lot of experience with it. Using a budget, tracking your expenses, searching for store sales and discounts and using coupons are skills that until recently many people haven't used much. A new year can give you the perfect excuse for buckling down and familiarizing yourself with the process of saving money.


8. Create a budget

It is an easy resolution to start off the year by setting up a budget. You can do it while soaking in the bathtub or watching television. Your budget doesn't need to consist of a fancy spreadsheet with charts and graphs. You can get started with a basic handwritten list of income and expenses, and then if necessary expanding it later. The most difficult part of the resolution is to make the commitment to watch, modify and adhere to your budget all year long. Put your budget somewhere that is easy to see like on your computer desktop or refrigerator so that you will be constantly reminded of it!
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