It’s difficult to really get too excited when you think about debt. It’s not something anyone consciously aspires towards, and some of the statistics relating to debt in the UK are pretty frightening. But one also has to work past natural stigmas and prejudices to consider the two different kinds of debt: constructive and ruinous.
And the former is one which should be embraced when appropriate, and accepted as a force for good. For example, a mortgage is a vital means through which to become a homeowner, personal loans can enhance your life when it comes to things like purchasing a car, or even improve your net worth if it is for something like home improvements.
All of these are dependent on the debt being affordable, and preferably even cheap. So, how to access cheap credit? Aside from the fact that tumbling interest rates continue to help the cause, your credit score is arguably the biggest factor of all. The key is to optimise it as best you can, and, luckily, it’s actually pretty simple…
Growing up my dad was always older then all my friends dads, but I never viewed him as old. In fact he’s more young at heart than my mum who is a lot younger than him. He says “you are as old as you feel”.
But as a society how do we view old age?
People nowadays are so much into their looks it’s unreal. You hear about plastic surgery stories from people trying to stay young and botox injections to make wrinkles disappear.
Everyone wants to live in a Peter Pan world of never growing up.
I’m sure if you asked an 18 year old what age would you associate with being old, I bet they would say something like 60. What about the middle aged? What would they say? 70? Now how about asking the older generation. I believe they would say something like 75+. So as you can see people’s perception of age can vary a lot.
This leads onto the question – Why are so many people scared of old age?
I have been a bit slow on the uptake with having professional photographs taken of baby girl. I know it’s bad of me. She is only a baby once. But we do have zillions of our own photos and videos.
So I have been on the hunt, looking for local service professionals in Baby photography. There is a great site called Bidvine which you can look for services in your local area. It can be any service you need, not just photography. But I’m concentrating at looking for baby photography.
How Bidvine works:
- Get Quotes
- Pick One
- Job Done
It really is that simple. They do the hard work for you by searching your area for the best possible professional people for the job you need doing.
Here is another installment of items for my Christmas Wish List. You can pop back and read my other wish lists here for a coffee machine and a subscription box. But on this list are items for the home.
I’m a homely person and wouldn’t want to be anywhere else. I love the comfort and style of things around my home. I know some people think they are dust catchers but not me. It’s a home to be lived in and have lots of pretty things around.
My Wish List
I love to shop sales. I rarely buy things at full price I can’t bare to! Maybe that’s the money-saving fiend in me. One of my favourite online websites to browse is Love the Sales. Not only do they cover the latest fashion go-to retailers but also home, garden, electronics and more.
Do you love to shop online?
Now that Christmas is only a few weeks away it’s time to start thing about your Christmas shopping. That’s if you like to be organised. I know people that are completely last minute shoppers and wonder why there is nothing left that they want! I do have a Women’s and Babie’s & Kid’s gift guides for the slightly different gifts if you are a bit stuck on ideas.
I’m a super organised person, or at least I like to think so, so I’ve been thinking about Christmas presents for a while now. With it being baby girl’s first Christmas I’m super excited!
A couple of weeks back I started on a Christmas Wish List. My first thing on the list was a coffee machine. Recently I have been hearing about various subscription boxes that you can buy. Nowadays there are subscription boxes for everything! So for my second Christmas Wish I’m going for a subscription box.