Friday, 18 May 2018

Some Debts Are Unavoidable - Here's Why

So you just blinked, and suddenly here they are to haunt you, the unpaid bills that will push your bank account well into the red zone. How did that happen?

Debts, as it happens, are becoming more and more common, to the point where the majority of adults has had to deal with debts at some point in their lives. It doesn’t change the fact that it could be an incredibly stressful situation, of course, but it’s important to know that you are not an isolated case. In fact, you shouldn’t even feel guilty about it because a lot of debt situations can’t always be avoided. If you thought that your budget is in the red because of your poor financial management skills, it’s time to think again. There is no need to blame yourself as it’s not the kind of attitude that can solve the problem. Instead, you need to understand and accept that debts sometimes occur. Here’s how to deal with them effectively.

Are you using too many credit cards?

Don’t panic

While you may be tempted to put your head in your hands and scream, you need to be forcing yourself to stay calm. Panic won’t help you; it could even make things worse as you’re more likely to make bad decisions when you’re stressed out. Instead, make a cup of tea and relax your mind. Sit back, take a look at your expenses. Is there a typical pattern you’ve failed to notice? Do you buy too much food that goes to waste? Do you pay for a gym membership that you don’t use? You also need to check if the invoices you’ve received are accurate, whether it’s your credit card bill or your energy supply. You’d be surprised to know that many people don’t even check or question their expenses.

What can you do?

Once you’ve made sure that the amount you owe is correct, you need to establish a strategy to repay it. When it comes to small debts, you should be able to balance it across multiple credit cards and targeted cost-cutting. You can, for instance, reduce your energy bills significantly by doing nothing else than switching provider. Within a few months, you should be able to recover small debts. However, for more significant sums, you might need to refer to consolidation strategies, such as, to help you handle multiple debts at the same time. Naturally, you need to maintain a cost-cutting approach at home and at work to ease the pressure on your finances. Aside from energy saving tips, you’ll find that packing your lunch every day can save you a lot of money at the end of the week. You can also switch your gym membership for a run in the park.

How did it start?

It’s fair to say that in the UK, the inflation has been hitting 3% for a long time without employers reflecting it in any pay rise for their employees. As a result, everyday life items and facilities have been getting more expensive, putting your household budget at risk.

In conclusion, there’s no denying that debts are stressful. However, you need to keep your cool and stop blaming yourself for the situation. Some debts can’t be avoided, so what matters is how you sort things out!

Monday, 14 May 2018

Googly Fruit Organic kids snack range review

I have been really lucky with my two little ones they have both been great fruit and veg eaters from babies, and often found picking up salad and veg sticks over crisps! 

I have never been over pushy or over strict with their diet, they have always had treats but they are just that...a treat, we have balanced meals with a chippy tea now and then and who can say no to pizza, but I have always ensured they had salad or veg with every meal. I completely get I am lucky and it's not 100% down to my influence they are this way. I do however think perhaps because I never offered alternatives, they had what I gave and that was it, and as a parent you get to learn what they dislike and avoid it. 

We were recently sent a selection of fruit and veg based kids snacks to try out from googly fruit, well I made the mistake of opening the box when both kids had play dates around, within minutes they had worked their way through 80% of the box so forgive the lack of pictures!!
I do think that speaks for itself though in how appealing and obviously tasty the snacks were.
The pack included crunchy puffs, which are coated in carrot powder and a touch of sunflower oil for a delicious crunch snack, freeze dried fruit crisps like strawberries, banana & raspberry and  apple & blueberries, smooth fruit and veg squeezy pouches including apple, sweet potato and clementine or apple, pear, carrot and pumpkin, all organic and full of goodness.

These products are colourfully packaged with a fun, googly eyed fruit focus which will appeal to most children making it alot easier to tempt them to eat and judging by my little ones response it will be a hit once they taste them, definitely helping get their 5 a day in!!

The kids loved the activity pack that came with the snacks and enjoyed creating their very own fruit friends, the pack also contained a colourful 'learn your ABC's with your googly fruit friends' book which is full of colourful healthy foods for all the letters of the alphabet, ideal for young toddlers and preschoolers. Googly Fruits have really created a product range that is not only healthy but most importantly fun and appealing to the kids, making mum's job in getting in the 5 a day just that little bit easier, well done Googly Fruit. Head on over to their website for some fun activities and more info on the great product range.

Monday, 7 May 2018

Disney princess puzzle review

We cannot miss all the news with the upcoming royal wedding hitting the headlines, i am so looking forward to another fairy tale wedding this time for Prince Harry and Meghan, i am sure she will look every part the Disney princess and we cannot wait to see the beautiful bride on her wedding day making her own fairy tale wedding come true. So a review of a beautiful Disney Princess puzzle fits right in at the moment, one we were more than happy to Review being huge Disney fans in this house.

Featuring all of our favourite Disney leading ladies the puzzle is sure to cover everyone's favourite character, this XXL 100 piece puzzle is suitable for ages 6+. It is a great size and fit perfectly onto to the dining table and the pieces are easily handled by my 6 year old, as with other puzzles we did them together but she was able to do most of it herself with little help from me.
Being used to the quality of puzzles from Ravensburger this is no different it is sturdy, the picture is clear and colourful and it will withstand many uses, so our little ones can play over and over again and if you have a Disney fan like I do this is sure to be the case. 

We love puzzles and games as an alternative to screen time on a lazy Sunday afternoon. It's a great way to find time to just sit and relax and chat about the week, school or make plans for coming days or weeks. I cherish these times we have as before long we will be lost to a world of games consoles or going out with friends so I am going to continue making the most of precious family times while I can!