Are you struggling to make ends meet? Read on to find out you can improve your family’s finances.
Use a Savings Jar
This old trick still works as well as ever before. All you need is a big jar that you can put money in. Then whenever you get some change, or you have a spare note, you can put it in the jar. It will prevent you from being tempted to spend the money on things that you don’t really need. After you’ve been saving up money in the jar for a year or more, you can see how much you’ve got. It can then be used to pay off a debt, or it could help with the expense of Christmas shopping, for example.
Do More at Home
Going out is always more expensive than staying in. I’m not suggesting you sacrifice your social life completely. But there are lots of things that you can do in the home that are cheaper than going out for them. For example, do you go to the gym? If you do, you’re probably spending a lot of money on your membership. But is it really worth it when you can run outside and lift weights in the comfort of your own home? And eating out is another big waste of money. Prepare your own food and see how much money you save.
Set Personal Financial Goals
It’s always a good idea to set targets for yourself when you are trying to improve your finances. It could be an aim to spend less. Or it could be an aim to improve your savings balance by a certain amount. This will give you something specific to focus on. When you’re tempted to buy something you don’t really need, your goals might stop you from making that mistake. It’s important not to make those goals too difficult though. That way, you won’t simply give up when things get difficult.
Find Ways Around Bad Credit
Having a bad credit rating can get a lot of people down. It makes it hard to get loans, and you can feel very financially restricted. There are some ways to get around this problem though. You can find bad credit catalogues here. They will allow you to buy items without taking your credit rating into account. You could also try to improve your credit rating by paying off your debts and making sure you pay all your bills on time. All of those things will help to improve your poor rating.
Decluttering is always a positive thing to do. If you live surrounded by junk and things you no longer want, it can be pretty depressing. But it can also save you some money. That’s something that not so many people think about. If you can get some money for that stuff you regard as useless junk, then why not go for it? It makes perfect sense. Just because it’s junk to you, that doesn’t mean someone else won’t want to buy it. You can use auctions sites, like Ebay, to reach a large audience and make quick sales.
Hi Beautiful People,
It’s been a rainy couple of days; but with the right piece of jewelry, it always make the day seem bright and sunny!
Delicate Earrings work with long hair
I remember getting my ears pierced for the first time, my mother took me to Sears when I was five with my grandmother. It’s in my blood and I don’t feel complete without wearing some piece of jewelry.
I had the opportunity to style for you these beautiful Oval Garnet and Diamond Shell Earrings in .925 Sterling Silver from Angara.com. Any lady on your Christmas gift-giving list would not mind getting these earrings. They are currently on sale for $119. You can purchase them and pay for them in two or three monthly installments. This is a big plus because if you are not able to pay the full price for your piece of jewelry, you have the convenience of paying only $39.67 for three months. There is also a 110% Refund Policy, 0% Interest Financing, 60 Day Return Policy, and Free Shipping within the USA. Angara also ships free to 64 countries on all international orders over $500. Check out Angara’s website for more details.
The Garnet and Diamond earrings are delicate and small; but eye-catching and attractive.
JTWisdom in Garnet and Diamond Earrings
I wore them in my second hole and it again showed the versatility. The Garnet in the Angara earrings is very clear and not cloudy at all.
These earrings are versatile and can meet all fashion needs. I can wear them with a nice dress for a more elegant look. Or I can be more casual, wearing them with jeans and a sweater, playing in the backyard.
Enjoying a Cool Fall Day!
Classic elegance at its best from the minute I opened the box.
The Presentation of the earrings in the Angara box
Who is Angara?
Angara is a family-owned business that puts the customer first, because they deserve the very best.
One great feature about Angara is that you have a wide-range of options available to you when making your decisions, from metals to gemstone quality. For example, if your favorite gemstone is ruby, you can look through the many ruby pieces that are available. After finding the right piece, you can then select what metal you want it to be – anywhere from Sterling Silver to Platinum. You can also select the grade quality of the gemstone – from good, to better, to heirloom quality. Of course, selecting these options will effect the final price of the piece; but you can work it into your budget
If you have questions, Angara has 24/7 costumer service and live chat available on its website.
If you are looking for quality jewelry at a great price please check out Angara.com. I really enjoy the earrings that I received and I know you will like the pieces you will receive as well.
* Disclaimer: Angara sent me these earrings at no cost in order to write this review. All opinions about the company and the earrings are strictly my own.
Hi Beautiful People,
Hope you are having a wonderful day!
I enjoy making DIY products for my hair and body. There is something about making your own products that is so gratifying and satisfying. It is something about fall and cool weather is a wonderful time to make products for yourself, family and friends. A few months back, my hubby and I made a DIY hair treatment with avocado and oils. It took little time to get it right, but it turned out good. The avocados were a little old, so the color wasn’t a bright green and the blender didn’t blend as smooth as I would have wanted. In spite of this, the treatment made our hair shiny and soft.
Today, we wanted to try the recipe again; but used fresh avocados and a better blender. The difference was amazing and very noticeable.
My hubby bought avocados through Fruit my Cube; which will deliver fresh fruits and vegetables to workplace every Monday. Last week, avocados were on sale and the first thing we thought of was Deep Hair Conditioner, not Guacamole Dip.
We recently upgraded our blender when we bought a Wolfgang Puck commercial blender. We really like the quality of this blender and its power is awesome. It rivals the expensive blenders; but it costs about a third of the price. This was the first time we had a chance to try the Avocado Deep Hair Treatment recipe.
Wolf Gang Puck Blender
1) I collected some of my oils I wanted to add for softness and shine.
4 Tsp. Extra Virgin Olive Oil
10 Tsp. Macadamia Nut Oil
10 Tsp. African Royale Hot Six Oil
10 – 15 Tsp. CoCasta Shikakai Oil by Hairveda
10 Tsp. Jojoba Oil
4 Tsp. Carol’s Daughter Khoret Amen Softening Hair Oil
Cutting of the Avocados
2) I cut open the Avocados and put them in the blender.
Avocado in the Wolfgang Puck blender
3) I blend the avocados in the blender and added the oils. If it is not blending well, add more oil and pulse until you get a creamy, almost whipped cream consistency.
4) I put into containers and freeze. When I am ready to condition my hair, I will let the mixture unthaw in the Fridgerator a day or two.
I usually leave the deep conditioner on my hair for 45 minutes and rinse before cleansing my hair. If you would like to do another rinse, you can; but the key is to blend the oil and avocados in the blender well enough so no pieces of avocado are prevalent.
You don’t have to use the oils I use. If you have favorites, please add them in. You can add in honey, coconut oil, the options are endless.
If you use the recipe please let us know your results. If you have your own recipe, please let me know.
Please note: If you are expecting or taking medications please check with your doctor to make sure oils are okay for you to use in your hair.
Hello Beautiful People!
My heart goes out to the people of Paris, I pray and intercede for peace and comfort for the country!
I have really been purposing to get into my bible more and search the scriptures. I was thinking that in order for me to grow in my relationship with God, I have to seek Him daily. Sounds easy, right? It hasn’t been easy because things will try to take my eyes off of Him. I have to continue to cast those imaginations down and move forward. Do you ever feel like that?
I realized long time ago that praying daily is not an option. The devil doesn’t take a break, so I move forward. I can’t be too busy and not put God first. If I miss it, I repent and dust myself off and move forward.
I wanted to share a favorite chapter of mine that I say out loud daily. Psalm 91 gives me comfort and lets me know the Lord has His hedge of protection around me. I say it out loud so I can hear it. These are not just positive affirmations; but words I stand on.
Psalm 91 New International Version (NIV)
1 Whoever dwells in the shelter of the Most High
will rest in the shadow of the Almighty.
2 I will say of the Lord, “He is my refuge and my fortress,
my God, in whom I trust.”
3 Surely he will save you
from the fowler’s snare
and from the deadly pestilence.
4 He will cover you with his feathers,
and under his wings you will find refuge;
his faithfulness will be your shield and rampart.
5 You will not fear the terror of night,
nor the arrow that flies by day,
6 nor the pestilence that stalks in the darkness,
nor the plague that destroys at midday.
7 A thousand may fall at your side,
ten thousand at your right hand,
but it will not come near you.
8 You will only observe with your eyes
and see the punishment of the wicked.
9 If you say, “The Lord is my refuge,”
and you make the Most High your dwelling,
10 no harm will overtake you,
no disaster will come near your tent.
11 For he will command his angels concerning you
to guard you in all your ways;
12 they will lift you up in their hands,
so that you will not strike your foot against a stone.
13 You will tread on the lion and the cobra;
you will trample the great lion and the serpent.
14 “Because he loves me,” says the Lord, “I will rescue him;
I will protect him, for he acknowledges my name.
15 He will call on me, and I will answer him;
I will be with him in trouble,
I will deliver him and honor him.
16 With long life I will satisfy him
and show him my salvation.”
It’s so easy to be fearful and not want to come out the house; but that is not the way to live. There is an enemy out there and his name is Satan. We have to continually have to stand and fight. I also have been standing on this scripture daily and it gives me confidence.
2 Timothy 1:7
God has not given me a spirit of fear but of power love and a sound mind.
I will be sharing more scriptures and words of wisdom.
Peace to you.
Hello Beautiful People!
Expressing yourself through jewelry is one of the best ways to make a personal statement and create a style that is uniquely yours. There are a lot of different types of jewelry out there. But not all of them are really capable of forming that statement you’re looking for. Larimar is a unique, cool-toned blue stone that can only be found in one mine in the Dominican Republic. Discovered in the 1970s, this fairly recent stone is making huge waves everywhere it’s introduced – including in the fashion industry.
The Blue Stone of Atlantis
One of the reasons Larimar attracts so much attention is in its connection to the prophesy made by Edgar Cayce. He predicted a blue stone being found at the site of the lost city of Atlantis, and declared that this stone would have both spiritual and healing powers.
Many people have already discovered the spiritual benefits of wearing Larimar and now its beautiful, unique color and hand-shaped form is beginning to attract attention as well.
A Cool Watery Color
One of the things that makes Larimar unique is its coloration. Turquoise and aquamarine are both cool-toned stones that make beautiful accents year round. Larimar falls into this color category, but with a unique blend of tones all its own.
Larimar’s cool blue color has a natural white vein, which flows through the stone in such a way as to make it look like you are wearing a piece of captured water. At times, the stone may also be accented with a deep red vein, which adds a lot of depth and contrast to the piece.
This depth and contrast is what makes Larimar a great accent to a summer wardrobe, when a cool, watery jewel is the perfect piece to capture a viewer’s attention. At the same time, the cool color of the stone also works well with winter palettes of blue, green, turquoise, gray, and white. Worn as a ring, necklace, or set of earrings, Larimar is sure to capture people’s attention.
No Two Alike
When choosing a statement piece to accent your wardrobe, it’s important to look for pieces that can help you stand out from the crowd. After all, you won’t get attention by sporting the exact same ornament as everyone else.
That’s part of what makes Larimar jewelry such a wonderful find. No two pieces of the stone are ever exactly the same. The size, vein pattern, and even color will vary from piece to piece and within one piece to give you an accent that is as unique as you are.
Each stone is also cut, polished, and laid in its setting by hand, which ensures that the quality of the piece will last for generations, while the artistry of each one will complete the look you’re trying to achieve.
JT’s Larimar and Blue Topaz pendant – a seahorse
Stand Out with Larimar
As Larimar’s reputation grows, so does the demand for this brilliant, unique, and beautiful stone. Its single origin status and varying size and color, however, mean that when you wear Larimar, you will always stand out from the crowd, no matter how or where you accent your wardrobe with it.
*Information on Larimar provided courtesy of Larimar.com