#Beauty is in the eye of the beholder. We aren’t all the same. Wouldn’t the world be a boring place if that was the case. Everyone has a viewpoint. Everyone has their own opinion.

However, I am a firm believer in “if you can’t say anything nice, don’t say anything at all”. I think it’s really important to spread happiness, build confidence and support each other. Now my big cheesey smile isn’t like this everyday, sometimes I’m worn out and sometimes I’m feeling sad. But I’ve learnt how to offload, unwind and bring that smile back. It’s so important to be able to hit that reset button once in a while.

So, this week, try and do one of these things:
🤍 Make someone laugh, a big belly laugh
🤍 Tell someone they look amazing
🤍 Tell someone you love you are grateful for them

See how it makes you feel. To make someone else’s day. It’s euphoric. I will never forget the moment one of the Mums from the school run told me I completely picked them up out of a dark spot - just by telling them they looked amazing today as I walked past.

Take the time to appreciate. Honestly it’s THE best hobby!

On a little diverted note; I’m appreciating this coat and boots right now. So warm and comfy. Check out the details on my blog >>> #linkinbio

#mummyphotoaday

#ad Coat & Boots from @idealworld.tv and they are @joebrowns 🙌🏻

#Beauty is in the eye...

This might seem a little random after the sentiments in my last post. But bear with me... cleaning & #diy can help me with my mental health.

I’m not sure why but when I’m anxious, need to think or cross I clean. Like the deep clean stuff, it’s almost as if I get adrenaline from somewhere to give me the strength to scrub things that I wouldn’t normally. Or tackle something I wouldn’t normally.

On Thursday, whilst anxiously waiting to find out what was wrong with my grandma, I was shaving millimetres off Isla’s bedroom door. It was hard work but I didn’t want to just sit about.

Today I’ve painted the radiator and woodwork in our dining room with Frenchic. I now have a white and bright radiator and grey door. It looks so much better. Again, it’s something I can do whilst being lost in my thoughts.

Does anyone else do this?

Whilst promoting cleaning and mindfulness, check out my blog for a competition to win some goodies from @astonishcleaners #astonishingresults 
#mummyphotoaday

This might seem a little...

I’m sure I don’t need to tell you what beauty shared this on her instagram before Christmas:  @carolineflack you’ve broken my heart.

She was funny. Caring. Kind. Absolutely beautiful and that smile lit up the world. Not perfect. But who is? No one.

I can’t comprehend how someone of such radiance and sparkle can end their life. But I only assume her mental health was suffering. She felt so trapped that was her only way out. A way of ending the pain that nobody could see.

Mental health is invisible; yet mental health is all consuming. Mental health is complicated; yet mental health can be helped with a simple cup of tea and chat.

Smile on the inside and on the out.

Make time for yourself.

Love yourself.

Make time for others.

Be kind.

Always. 
In a world where you can be anything, be kind  #bekind #ripcarolineflack

I’m sure I don’t need...

This is sheer appreciation. This man. My lobster 🦞. Who made me the scrummiest meal last night & dreamy Vegan brownies. Showered me with thoughtful gifts & my cute note (in my stories) I recieved in my lunch bag.

However, I was a complete emotional wreck yesterday as my Grandma was taken into hospital. She was distressed, confused and sounding a little slow. It was scary.

So the Valentine’s Day love went all to Grandma from my family; wishing & hoping they find out what’s wrong.

We’re currently waiting to find out if her BP has reduced. It was sky high. Hoping she’s better & I can bring her home today.

This photo was from last Summer when we went to @carluccios in Cambridge. I love it. Happy memories. I’m lucky to have these. Noahs a people watcher, he was distracted with the crowd. Incidentally Carluccio’s have the offer on again: kids eat for a £1... #appreciation #family #love #mummyphotoaday

This is sheer appreciation. This...

Happy Valentine’s Day 🤍

A lot to be thankful for today. Love is a big word. I love these two quotes and perfect for today.

Yes it’s about celebrating your life with your lobster 🦞(mine is rather amazing) but it’s also about family.

Family is not just an important thing. It’s everything. So true.

I don’t know where I’d be without my lobster and my family... I hung these beauts in our bathroom and I love them. They make me smile everytime I clean my teeth! Which helps 😂

#mummyphotoaday

#ad Prints are from @coulsonmacleod - so beautiful

Happy Valentine’s Day 🤍 A...

I love this new story corner I’ve created for Isla, with a little help from @vertbaudetuk. It is a gorgeous space and I couldn’t wait for her to get home and see it. She was so happy!

I love the large floor cushion, I want an entire room kitted out with them so I can just chill in the middle. It would be so cosy. Or even just #half a room! 🤍

Isla loves reading and so I thought this little corner would be perfect for her. She loves it.

I started with the floor cushion, I hung the coat rack for her monkeys and dressing gown and then I hung the shelves. They are so cute. I finished it all off with the mirror. I love all the colours and shapes. It really finishes off her room.

Who else wants the futon cushion? 🙋🏼‍♀️ #mummyphotoaday #ad

I love this new story...

I love trying new makeup, especially the vegan variety! I’ve recently discovered the fab range from @ex1cosmetics - you can grab them at your local @superdrug. So easy to find when you run out.

I’ve done a bit of a makeup tutorial on the blog using the EX1 Cosmetic products. Please forgive me, my skin is awful at the moment. Since I’ve been exercising more my skin has been really spotty. The spots that hide under the skin too!

If you swipe left then you’ll see the fab products I used. Then check out my stories for the swipe up link to my blog post.

I’m no make up artist haha. I prefer natural tones, that give my face #warmth. These products are perfect for that, especially the pink blusher! I wanted to show you what the products do and how they can be used together. Perfect makeup for your Valentine’s Day date!

#mummyphotoaday #ad

I love trying new makeup,...

A place to relax. A place to hide. A place to #doodle. A place to confide.

This place is my haven. It’s my safe space to relax and unwind. It’s absurd that at 37 years old, I just can’t wait to get into bed. When hubby goes climbing on a Monday evening; I’m in bed at 8pm! Is that sad?

Because it makes me happy, the bed is super comfortable and it is the only room in the house that the kids do not destroy, it’s nice to cling on to it. Keep it that haven.

If I need 5 mins to compose myself, I’ll hide in here. The kids drive me up the wall sometimes and hiding in here can calm me down. A technique I’ve developed over the years so the kids do not see Mumma lose it!

Anyone else love their bed? Or bedroom as a whole? I’m sure I’m not the only one haha #mummyphotoaday

A place to relax. A...

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: