We made the most of the day today and it feels good! Whilst Daddy finished off the final 13 patio slabs (which look incredible), I sorted the garden.

I pruned all the bushes, weeded the flower beds, got rid of a lot of thorny weedyness, painted the potting shed door and filled an entire green bin. 😂 I even trimmed the grass edge with grass scissors.

I am loving the garden more and more. I hope that the sun keeps on shining so that we can get it looking how we want before Summer. Making the most of #lockdown. It was lovely as our neighbours on either side, both over 60, offered advice and help today. Deano nearly ran out of sand and one neighbour dropped some over the fence. It’s nice to have a sense of community even though we are all in our homes.

We’re looking forward to playing in the garden tomorrow and making the most of this space.

#mummyphotoaday 
#myhousethismonth #mygardenthismonth

We made the most of...

We have joined the rest of the country and made a #rainbow design in our living room window. The kids have drawn one on a piece of paper and also used window felt pens to design a 🌈 on the pane itself. It looks pretty. The kiddies are very happy with them. They lit up when the neighbours asked for them to make them rainbows for the window.

I love this part of the front garden, you can just see the flowers are about to bloom any day now. Daffodils are hiding in amongst the tulips, hyacinths full of a deep purple, the Heather has come up a nice reddy purple too. By the front door there is a sea of purple from the aster (I think that’s what they are). Can you see the beautiful Camellia to the left of the kiddies too? It’s about to bloom with its bright pink flowers. The yellow Jasmine is just starting to grow on the right side of the kiddies, can you see it climbing up the wall?

There’s so much going on. It looks beautiful. I don’t remember it looking this pretty last Spring. Maybe I didn’t pay much attention. Or maybe these things have grown from random seeds I planted last year and forgot about. I can’t remember what I planted though 🤦🏼‍♀️ Does anyone else do that?

Have you seen many rainbows in the window of people’s homes?

#mummyphotoaday

We have joined the rest...

A very happy birthday to my first furbaby, Rambo. He is 13 today. I can’t believe he’s been in my life for 13 years, we’ve done so much and seen so many places. It’s gone so quickly.

He is so good, his temperament is just perfect. He’s not a yappy dog. He barks to mark his territory but that’s it. When the kids were toddlers, they would pull his fur out in clumps and he would just lay there. He cleans the other pets in the house and always makes sure the kids are safe at night time. It’s so cute. He’s such a loving, fatherly dog.

This little man is my follower at the moment; more so than normal. He follows me everywhere. If I’m on the loo, he will sit at the bathroom door staring at me. When I’m in the bath, he pushes the door open and sits next to me and stares. Right now, he’s currently snuggling under the duvet.

Let’s hope we can go and explore somewhere new in the summer, with amazing views and miles of countryside. Our favourite.

Thanks for all the adventures Rambo 🐾 and the snuggles! We love you lots.

A very happy birthday to...

I wonder what is going through their tiny minds right now? Do you think they consider things like we do? Do you think they #dream of what’s going on? The kids seem to be taking it all in their stride and albeit they are sad they can’t see their friends, they seem to be just getting on with it.

Whereas, I go through waves of different feelings. I’ve discovered I’m at my best when I just take each day as it comes. When I start to think about things globally, or the time period of lockdowns and when the kids are going back to school... that’s when I start to feel worried and glum.

I worry that my employer will soon say “sorry Sonia we’re not paying you anymore as you’re homeschooling”, or the worry that I’m not teaching my kids correctly and they’re missing too much of their education. Or the impact of isolation on the kiddies at this age, making friendships and building rapport with people.

I hope these are worries over nothing. And I know all of the kiddies in the world are in the same boat. But, as a parent you can’t help but worry.

So for now I’m trying not to think negatively. Trying not to think more than 1 day ahead (except maybe planning Easter Sunday dinner) and I’m trying to keep smiling. So my babies keep smiling.

Keep calm and carry on. Isn’t that the saying!

#mummyphotoaday

I wonder what is going...

This afternoons activity with Daddy looked like lots of fun: they gathered sticks and the kiddies built their own pile of firewood for a camp fire. They then sat around the fire pit to test whose camp fire would flame up the best!

Isla created a very structured camp fire, logical and a pattern to where she placed her sticks. Noahs looked more sporadic but covered a wider area.

Neither camp fires took fire, it was quite windy. So the kiddies enjoyed a hot chocolate and marshmallow around their piles of sticks.

They had fun though and that’s the main thing. I’m loving all of these practical tasks they’re doing with Daddy.

I’ve been waiting, all day, for someone to tell me it’s all a dream and we are still going to Dubai. But, unfortunately, no one jumped out screaming April #fool and alas, we are still at home. I’m gutted.

Lots to look forward to though and right now it’s about focussing on our main objective: stay at home at all times, unless to buy essential food & walk the dogs! I have actually loved being at home everyday. It’s my favourite place.

#mummyphotoaday

This afternoons activity with Daddy...

“We are very excited to try out this new food from Forthglade, it smells woofing delicious” 🐾 Straight from the doggies mouth!

I am very excited to announce that I am a new ambassador for @forthglade. What does that mean? Well, I get to try out the products and tell you all how good they are and get special offers and discounts for my followers too!

It’s such a strange time with lockdown, however finding out about Forthglade couldn’t have come at a better time. When I went to get our usual dog foods in the supermarket it had all sold out. So, resorting to online orders seemed a very natural thing to do to ensure our furbabies are fed.

This food is a minimum of 75% meat or fish and is free from junk. With Snoopy, he has a tummy condition which means we have to be careful what he eats, it’s perfect. We will keep you posted on what they thought! 🐾 #gifted

“We are very excited to...

🌼 April is here and along with it comes another set of photo keywords for #MummyPhotoADay photo challenge.

We should have been flying to Dubai today, so my insta squares would have been very different to what they now will be. I’m expecting to see lots of Spring colours and stay at home families instead this month.

Don’t forget to use the hashtag #mummyphotoaday so I can comment and share my favourites throughout the month.

Does anyone have any creative stay at home plans for April?

🌼 April is here and...

My favourite pics from March #MummyPhotoADay - a massive thank you to everyone that took part. We have had a lot of new members this month and it’s been really hard picking my favourite 9! There are now over 4,000 photos to choose from.

All photos are tagged, but from left right:
📷 @cultivatingdelight
📷 @newmummyblog
📷 @confessionsofacrummymummy
📷 @houseofbaughs
📷 @sahrazade
📷 @otisandus.blog
📷 @_lisaslife_
📷 @socalshopgirl384
📷 @descendants_of_war

I’ve really loved seeing photos from @anywaytostayathome, @the_mummy_editorial, @freyalexandra, @becsbrewtifullife & @canonjacq.

All you have to do to join in is add #mummyphotoaday to your caption and the keyword of the day... I’m very excited to see what April has in store for us. Lots of fun “Stay at #Home” themed photos!

Thank you to everyone that joins in 📷

My favourite pics from March...

Play the credit card game to your advantage

It’s that bit of plastic which can often be a source of short-term temptation, and occasionally swell to a balance beyond the point of where we would like it to be. But credit cards are an ever present among Brits, with around 73% of adults in this country owning one, and around 250 million purchases being made on this type of card each month on our shores.

It’s a convenient but high-interest way of temporarily spending beyond your means, and there are an interesting mix of pros and cons to owning a credit card. One thing is sure – a credit card is a necessity. But it has the ability to be both something beneficial and destructive to your finances. The key is to use them smartly, and ensure that they end up helping, not hurting you.

The advantages of a credit card

A credit card is an essential tool, first and foremost, in building your credit rating. Using it each month, and then paying it off demonstrates your ability to handle debt, so when the time comes to apply for loans or mortgages, you’ll be in the pound seat to get a competitive rate of interest.

Credit cards also tend to come with some really useful perks these days, as the market becomes all the more competitive. Perhaps the pick of the bunch is the Amex Platinum Everyday Card, which offers an impressive 5% cashback on purchases made during the first three months. There are also plenty of others offering cashback deals, while it is now commonplace for credit card companies to be offering perks and freebies like travel insurance, vouchers and discounts.

Avoiding the traps

There is, of course, a reason these credit card providers offer such generous perks – they want you to spend lots of money with them so that they can fleece you with interest on your debt! APRs of around 20% are pretty standard, and those who simply make minimum and/or late payments each month are especially playing into the hands of these creditors, as costs really can rocket. It is thus absolutely crucial to ensure that you pay off your card each month in its entirety – and on time too.

Then again, this isn’t always possible, and I’m sure we’ve all had months where we’ve overshot the mark a bit – not least of all around Christmas! But there are ways around this which can minimise what you end up having to fork out in interest.

Many cards offer balance transfer deals, meaning if you transfer your balance from an existing card to one of theirs, you will pay zero (or very little) in interest and/or fees for a fixed period of time (usually three months). The key of course is to ensure that you pay the balance off in that time, otherwise you may need to continue switching until you have. But be wary, as a recent study suggests that over £1 billion is spent by Brits each year in unnecessary credit card interest as a result of mistakes relating to balance transfers. In addition, applying for lots of credit cards in a short space of time could impact negatively on your credit score.

The other option is to consolidate your existing credit card debt with a personal loan. This option will ultimately leave you with more affordable repayments than servicing credit card debt, and there is usually a degree of flexibility offered by online lenders in terms of structuring this repayment plan.

Making it work for you

Ultimately, using a credit card to your advantage simply requires a bit of nous and discipline, and avoiding the traps that could see you end up paying a whole lot more in interest than you should. Credit cards can undoubtedly be a force for good, as long as you keep your wits about you, and don’t fall foul to the pitfalls these companies tuck away into the fine print. This is a battle that can be easily won!

signature

Subscribe so you don’t miss a post
Sign up with your email address to receive news and updates!

What do you think?

Your email address will not be published. Required fields are marked *

No Comments Yet.

Previous
Thursday 28 April 2016
Play the credit card game to your advantage

%d bloggers like this: