Ways To Get Ahead Of Holiday Debt

The holidays are a wonderful time of year. The holidays are a time of giving, but sometimes the giving can get out of control and cause some headaches. Everyone wants to give their family and friends the best but it is at your expense. Sometimes this is fine but sometimes it can bring on some major debt for families. Here are some tips on how to get a hold of your holiday debt.


Prior to the holiday season, make sure to be aware of your current financial situation. Go through your finances and see what you can budget for and plan from there. If you know you can spend a certain amount in total, than divvy up where you can spend those funds. Some people know they can get out of control when it comes to gift giving. When you are one of those people, it is imperative that you budget before your spending becomes a problem.

Earn Extra

Parents want their kids to have the best christmas and will often go above and beyond to make it happen. The best way to do this is to earn as much extra cash as you can. Working extra hours or overtime is a good option. No matter what the sacrifice, if you are in a better financial situation during the holidays than it will relieve some stress.

Start Early

It is a fact that the holidays are financially burdensome. If you spread out the financial strain throughout the year than it will easier to handle. Now this takes a lot of planning and discipline to execute but it will be for the greater good. Maybe start buying in the summer or buy as see good deals throughout the year.


Make your own gifts! People tend to save money when they do it on their own, and it often is more well received from others because the thought and time was spent on them. Making things are cheaper because materials are typically cheaper and not marked up. For example, you would pay more to buy a painting than to paint one yourself.

Borrow Wisely

If all of this doesn’t seem to cut it and you need to borrow money, whether it be credit card debt, lines of credit or even a loan, be sure you are doing it in a smart way. Make sure to research online and compare credit cards to see which ones will work for your favor (rewards, rates, etc.). Some lenders report to the credit bureau and it allows you can actually improve your credit score while borrowing. Sometimes the rewards from credit cards can be used during the holiday season as well, so looking into this early on will work in this situation as well. If you look at your debt to income ratio that can tell you if you are making a wise decision. You don’t want that ratio to be too high.

With these tips you can hopefully avoid making the holiday season a stressful time because of finances. Get ahead of your debt while you can.

Types of Television

Cable Providers are offering so many packages to their customers. There are many different channels besides basic network channels such as ABC, NBC and CBS. With that comes many types of shows. Below is a list of types of television you may encounter while perusing your channel guide.


The first type of tv show is a scripted show. An example of a scripted show is a sitcom. Sitcoms are typically an hour or half hour in length and are written. They have a written script. They can be comedies or dramas so they either offer a laugh or even a good cry.


News channels are very popular. People are looking for their news in real time, and by having this information so easily can cause potential problems. Many are interested in politics, weather, current events, etc. but when they are available on news channels 24/7 it can lead to obsession. The obsession can not only be with the viewer but also with the channels themselves trying to get good stories to attract viewers. This type of television channel is very popular.


On tv they have channels that sell products. They can sell products through live shopping or even infomercials. The idea is that views can purchase products from the comfort of their own home or couch. With online shopping available, it is probably assuming to think that this type of shopping may not be popular. This is entirely wrong. When business owners sell their products on such channels they are often breaking records and selling large quantities. Next time you are sitting around, check it out.


One of the newer types of television available is reality tv. Reality tv includes shows that are thought to be unscripted and show reality. This type of tv has taken over cable networks by storm. There is reality shows from everyday city life to gold mining in Alaska. Reality tv can basically film any sort of lifestyle and subject. This is probably why it appeals to so many people. There is literally a show or documentary for every subject matter you can imagine.

There are many networks that offer these varietals of shows. With what is available these days it is easy to find a show that is right for you.

Spring Cleaning

Spring is in full swing so most people tend to think about their spring cleaning. Spring cleaning is a thing because it happens when winter is finally over and the weather starts to get warmer which motivates people to get their house in order. Spring cleaning doesn’t just involve a deep thorough clean, it involves organizing and decluttering. Anything that it takes to make your house a better place to live. Below are some tips to help you start the process if you are feeling a bit overwhelmed.


Obviously the first step to spring cleaning is to clean. This isn’t just your normal tidying up that you normally do. This is an intense clean of every room. You should dust and wipe down all surfaces including windows, baseboards, moulding, cabinets and appliances. In the bathrooms you should clean out the shelves in your medicine cabinet, vanity and linen closet. In the kitchen you should wipe down your appliances, toe kicks and shelves. All floors must be cleaned as well. Now is a good time to wash the outside of your windows and also clean your screens so you can enjoy the spring breeze. My recommendation is to do room by room until complete. You could also hire a cleaning service to do a deep thorough clean but it could cost your a pretty penny.


The main part of spring cleaning that makes it different than your everyday cleaning is that you should organize your house as well. This is the time to organize drawers, closets, etc. The main place people need to organize is their garage or storage area. Go through this space this time of year and get rid of what you don’t need or haven’t used in a lot of time. This is why yard sales are so common this time of year. People want to get rid of their stuff! You can host a yard sale to sell your things, do an online yard sale (I have found some on facebook) or there are also consignment shops that may want to pay you for your things. If you don’t want to sell your items it is also nice to donate to a charity. I have used such services as green drop to donate to the charity of my choice since they have a few they work with. If you have children’s items you no longer need you can always give to a friend in need who may be having a child. Kitchen and bathroom drawers and closets should be reviewed to see if anything is not being used or is even expired. Clothes drawers and closets should be looked through as well. All of this will make you feel like a whole weight has been lifted off of your shoulders.

This is the basics to having a successful spring cleaning. There are many ways to organize your efforts but I guess any step is a step in the right direction. Especially if you aren’t doing this already. A happy and decluttered house leads to a happy family.

Switching to a Organic Lifestyle

You may have heard in the news a lot lately about living an organic lifestyle. There is proven studies that show there are a lot of harmful chemicals used in many different industries that can affect our health in both the long term and short term. All of the news stories can be taken however you wish, but is it worth the gamble? Below is some areas of your home that can use an organic facelift to put you in the right direction to living a healthier lifestyle for you and your family.


One of the main areas of concern when it comes to toxic chemicals entering our body is with the food you eat. Most people have heard of the “dirty dozen” which is basically the top 12 foods that should be bought organic. These are Celery, Peaches, Strawberries, Apples, Domestic Blueberries, Nectarines, Sweet Bell Peppers, Spinach, Kale, Collard Greens, Cherries, Potatoes, Imported Grapes, and Lettuce. The “clean fifteen” also references the top 15 foods that are the cleanest. These include Onions, Avocados, Sweet Corn, Pineapples, Mango, Sweet Peas, Asparagus, Kiwi Fruit, Cabbage, Eggplant, Cantaloupe, Watermelon, Grapefruit, Sweet Potatoes, and Sweet Onions. Some complain that organic is more expensive and not easy on your wallet. This is the case so if your budget is an issue than it is best to pick and choose which products are more important to buy organic. For example, an item in the dirty dozen should always be bought organic but don’t buy organic for other products.

Cleaning Products

The chemicals found in your household cleaning products can be very harsh. Bleaches and such can be harmful. There are a lot of “clean” and organic options available in this area. They can be found in either the organic or cleaning section of your local grocery store. A lot of essential oils that are all natural have been found to be just as effective without the harmful effects on your body and health. These products are also multi-purpose so you can save some money in that aspect.

Beauty Products

It is a known fact that there are many things that are banned in other countries that are not banned in the United States. A lot of these chemicals can be found in your beauty products and therefore are entering your system. Once again it is best to ditch your normal beauty routine for an organic one. There are many apps and websites that provide information on existing products and their cleanliness. Just look up what you have or want to get to see if it is safe.

No matter what, every individual cares about their health and wellbeing as well as their family’s. It is best to look into your food, cleaning products and beauty products to see if you can introduce more safer options in your life.

Essential Oils

The organic and all natural craze is on the rise in the United States. People are trying to buy everything “clean” when it comes to every aspect of their life…food, household products, beauty products, etc. One product that has also become very popular is Essential Oils. There are many different varieties and many different types available. Essential Oils are basically an oil extracted from a plant or varietal in nature. These aromatic compounds are found in the seeds, bark, stems, roots, flowers, and other parts of plants. Essential oils have long been used for food preparation, beauty treatment, and health-care practices. Basically you can either use them for their smell or their intended beauty/health benefit. Currently there are many different companies selling these products so you may be familiar with or heard of them. Many are selling these items through direct sales to make a supplemental income for their families. The world of essential oils can be very complex but below is a basic introduction.


Essential oils are very potent and come in a tiny glass bottle. They need to be stored properly in a dry and cool place. They can be used individually or also be mixed to create a perfect blend. Those who sell oils even have pre blended oils to make it easier for you. An oil can either be diffused or used on your body. To diffuse the oil you must purchase a diffuser. You can find these items basically anywhere oils are sold, but be sure you are purchasing one that works well with these potent oils. Diffusers are basically humidifiers because you add the oil to water and it is diffused into steam. As far as using the oils topically, you have to be careful to read up on the oil before using it on yourself. Some can be put directly on your skin but some may need to be diluted. To dilute an oil you use a carrier oil which can be something like coconut oil or olive oil. Oils can be applied to different parts of your body depending on their use. Places like your wrists, neck, feet are very popular and most effective.


As previously mentioned, the uses for essential oils are endless. They can be used in food, in beauty products and also many healing/medicinal purposes. Besides these listed benefits, oils simply smell good and can be used for their fragrances to make your home smell nice. Examples of oils that can be used in cooking are oregano, rosemary, nutmeg, or lemon. OIls like lavender or peppermint are often used in soaps and lotions. Many people use oils for household items like cleaners, laundry detergent, dish detergent or bug spray. Certain oils are often proven to help things such as stress, colds, allergies, and pain.

Basically there are many uses for essential oils. If you are interested, it is best to start off with the staple/basic oils to start your collection and go from there. There are whole communities built around these products and a lot of resources are available to help you learn the way.

How to Improve your Finances

Every family has gone through a financial slump in some form. Whether you got in over your head with student  loans, credit cards, spending, medical costs, etc. you probably are looking for a way to improve your personal finances. It seems pretty simple, lower your spending and increase your savings, but it isn’t always that simple. How do you take the first steps to improving your financial status? It can be overwhelming! I was able to come across an app that can help you in this area of your life as well as many others. The app Setapp offers you access to many personal finance apps that can you help you in this journey. The idea behind the app is that you are given access to dozens of apps for a minimal monthly fee. Below are a few apps that I found to be helpful in this subject.




Chronicle is an app that allows you to track and pay bills as well as manage your personal finances. It includes a bill planner that is very easy and simple to use. It allows you to be notified when bills are due and makes sure you do not miss the deadline. You can also analyze and plan your budget to see where you are going wrong and also what you should continue doing.




Moneywiz is similar to chronicle in that it helps you organize your finances. However, it is more than just a bill organizer. It is a robust personal finance software. It allows you to track your spending in your accounts. You can run reports instantly across all of your devices to check your status. It works with your online banking accounts.


Home Inventory


Assets are not only in the form of money in your bank account, but also physically in your home. By using the Home Inventory app you can manage your home and belongings. Similar to warehouse stock taking and home inventory control, it is great to use with collectibles as well as simply organizing your home. Moreover, a separate iOS companion app is available outside of Setapp for remote entry and backup of your catalogues.


These three simple apps can greatly help with your personal financial standings. Just by being organized and knowing where you are spending your money can help you tremendously. It makes the equation of spending less in order to save more more achievable. Enjoy setapp not only for this benefit but for many other areas of your life that need help.


How to Make Working From Home Work

For many people working from is a dream. Being in control of your own time and environment, avoiding the dreaded commute, and being able to combine paid work with childcare or other responsibilities combine to make it a very attractive prospect.

How can you live this dream? It’s not easy but this guide can help you find the path to the solution that works for you!


Before you start, you need to take a good look at yourself: if you’re going to make working from home work for you long term, you’ll need the right personal qualities.

Are you a self-motivated, self-directed worker? If you’re not able to work efficiently with no one leaning over your shoulder but yourself, you need to work on developing this skill. If you can’t set and fulfil goals for yourself, working from home is going to be fatal to your productivity.

Also, if you’re a true extrovert you could find working from home more challenging than you expected. While someone who prefers not to chat while they work will be in heaven, if you rely on social interaction to grease your mental wheels you’ll find yourself isolated and suffering with a prolonged period of home working.

Talk to Your Employer

Different companies have different attitudes to home working. Most prefer their employees in the premises they’re spending a great deal of money on, unless there’s a good reason to have them away.

If you have a good reason however, that impacts your productivity, like wanting to continue work in some capacity whilst providing childcare, this is worth discussing. The key is to identify the ways working from home will help you contribute more to your employer.

Of course, if you’re planning to go freelance, you have total control over where and how you work, at the cost of some security and benefits.

Professional Help

There are plenty of professional services that can provide extra help when you’re working away from your office. Co-working spaces are springing up for the growing number of freelancers and professionals who want to dip into an office environment, at least sometimes. Some London storage facilities offer work desks and conference rooms to broaden their appeal to professionals who are running businesses rather than storing furniture.

All of these extra services can boost your productivity and help when isolation strikes and you crave the background hum of a busy office.

How to Get the Most Out of Consultants

If you’re running a business, your main priority has to be running that business. In the early days you’ll be concerned with meeting day to day challenges and establishing a customer base, then potentially growing into new markets and new locations. If you’re involved in running a bigger, more established business, your most likely to spend your time making sure you can keep providing the service to customers as they expect, and ensure the employees relying on you get paid.

What this means is that while you become an expert on running your business, there are areas of knowledge you simply don’t have time to develop. It makes sense to hire permanent members of staff to fill some of these gaps: it will save you time and trouble to have a dedicated member of HR staff once you’re business reaches medium size, and depending on your needs it may be worthwhile having a full time IT specialist.

For other situations, it may be worth hiring a consultant or an Interim Manager.

These are specialists, who are adept at coming into businesses and working over the short term to achieve specific goals, and are able to leave afterwards with no costly, drawn out redundancy process.

These specialists come with a hefty price tag, and it’s important make sure you’re getting maximum value for money when you hire them.

Firstly, make sure you’re getting the right person for the job. An Interim Manager has very particular skills, and they’ll be very effective in situations of crisis and change, but less so if you’re trying to simply access a new market or reform your processes. Discuss your needs with an executive search company and they can guide you to the right professionals to help you.

Secondly, you need to have clear aims in mind. This is something else a Consultant or Interim specialist recruiter could help you to crystallize. Try to create a clear picture of how you want your business to look after you’ve worked with a consultant, and distill that down to a list of concrete goals like increasing turnover by a set percentage, or accessing a clearly defined new market. Asking how they would achieve these goals will help guide your initial conversations with consultants.

Finally, don’t be afraid to cut the relationship short: review progress regularly, and if the consultant isn’t delivering what they delivered, don’t feel shy about dispensing with their services. Remember, your business has to come first.

Brexit Brings UK Space Industry Down to Earth

With Theresa May recently firming up a controversial deal with Northern Ireland’s DUP to ensure she has a working majority in parliament, all eyes were on the Queen’s Speech this week. Here, Theresa May had the chance to lay out her agenda for government and people are interested to see which election pledges will make it from the campaign trail to legislation.

While many of the more controversial ideas (like removing the ban on foxhunting, for example) aren’t currently a priority, some ideas for stimulating the economy in anticipation of problems following Britain’s leaving the European Union were announced.

One of these measures is a ‘Space Bill’, intended to make the UK an attractive base for space industries. The bill would grant the government new powers to license different activities, from vertical rocket launches to the development and testing of ‘space planes’.

Unfortunately, it seems the government’s plans to make the UK Europe’s Cape Canaveral might not get off the launchpad.

Much of the UK’s existing space industries rely heavily on cooperation with their opposite numbers across Europe, sharing expertise and manufacturing capability with multiple different agencies in the EU. With Brexit threatening the free movement of both experts and materials, the space industry in the UK could shrink, rather than growing to account for 10% of the world’s space-based business.

Recent successes in European space science have been founded on cooperation, with the project to place the Philae lander on a comet involving scientists and engineers from across all of Europe.

With the threat of Britain’s withdrawal from the EU freezing British space industries out of business contracts, Brexit could set our science and engineering back years. Richard Peckman, chair of UKSpace, the trade association said ““Staff mobility and supply chain are a massive issue for us…We’ll be asking, is Britain still the place to work in this industry?” Does it make sense to do business here?”. This is putting deals worth hundreds of millions at risk, as UK businesses are reluctant to bid for projects they may not be able to fulfil.

While the final form that Brexit will take is yet to be seen, the many UK businesses working on space travel and research have to be hoping it will allow scientists to work wherever they can make the best strides forward, and with access to the materials they need.

The Different Factors that Determine Your Auto Insurance Cost

There is quite a range of auto insurance costs out there. Even when considering similar coverage options. It can be a bit confusing to go into without doing research on the topic. Here are some of the different factors that will determine the cost of your auto insurance premium.

Your Age

It’s a simple fact that younger drivers have to pay more than older ones. Younger drivers are less seasoned on the road. They have also had less time to prove themselves reliable and safe with great driving records. Senior drivers often have to pay higher rates for insurance as well. They’re more likely to be considered a higher risk driver than someone in middle age.

The Age of Your Car

The age of car plays in the insurance factor as well. New cars are often more expensive to repair than old cars. For this reason, the insurance tends to be higher on them as well. The condition of your car can also play into this for similar reasons. The style of your car plays a part as well. Sporty cars might be fun but they can be considered more dangerous. That’s a price you’ll pay for on the insurance side of things.

What Kind of Safety Features Your Car Has

Cars that have nifty safety features will be considered safer to drive. Many cars now have rear cameras and sensors that help to park and prevent bumping into things. Having this feature decreases the likelihood that you might rear end someone. Your insurance company will see this as a plus, and potentially offer you a lowered rate because of it.

How Often You Drive

How much you actually use your car will also affect the price of your auto insurance. If you don’t drive it every day or put on few miles there is less of a chance that you will need to use your insurance. The more you drive the more maintenance you need, and the more likely it is that you might have a fender bender.

Where You Live

Each country and state has different rules about auto insurance rates. The same car and the same person would get quoted different numbers just for being in different states. These are usually for reasons that you can’t control. Some areas are considered higher risk when it comes to damage, such as areas that are prone to tornadoes.

Whether or Not You Own the Car Outright

If you are leasing a car or are still making payments on it, you might have to pay higher auto insurance. The auto insurance company generally won’t allow you to get away with just paying general liability. They will most likely want you to pay for collision coverage and comprehensive coverage. Those options will indeed give you more coverage in the event of an accident. They will also increase your premium. Only when you own your car outright will you have the option to downgrade your auto insurance coverage should you choose to.

Shop Around

Always shop around to find the best car insurance rates. Cheap Auto Insurance Ottawa may have better rates than other companies. Shop Insurance Canada to make sure you are getting the best bang for your buck.

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