8 May 2018

How to Get a Confidence Boost

It’s so easy to feel down about yourself these days. We live in a society that puts certain things in the spotlight and decides what’s beautiful and what’s not. Not only that, but we also live in this social media age where everyone shares everything. All it takes is a scroll down your Instagram timeline, and you’ll see plenty of models in bikinis with perfectly sculpted bodies, living their best lives. If you don’t look like that, then it can easily get you down, and you start to feel very low in confidence.

But, you can also feel a lack of confidence because of things not related to your looks as well. Sometimes, you have a bad day at work where you might make one tiny mistake, and it haunts your mind for days on end. You fall into a slump and start to feel like you’re not good enough; your confidence takes a massive hit.

The longer you carry on with low-confidence and self-esteem issues, the worse they become. It’ll get to the point where your mind is so negative that you end up forgetting to properly love yourself. So, keeping that in mind, here are a few simple ideas that will help give you a much-needed confidence boost, instantly!


Exercise For 30 Minutes

While some self-confidence issues are linked to other things, it’s fair to say that most of them are related to body image. Especially if, like I said earlier, you’re going on social media and seeing all the slim and trim women in their bikinis and tight summer outfits. The natural reaction to this is to just feel bad about the way you look compared to them, and your confidence dies.

However, you can do one simple thing to make yourself feel a little bit better right away. All you have to do is exercise for thirty minutes. Half an hour of intense exercise is all you need to give yourself a massive confidence boost. Exercise releases endorphins, which is a hormone in your body that’s proven to help you feel more happy and positive. Everyone always feels better after exercising, and you can too! If you really want to give yourself a massive confidence boost, then keep exercising for 3-4 days per week. There’s nothing worse for your body and confidence than just sitting around doing nothing - so be active!

Try A New Hairstyle

A lot of the time, you can give yourself a proper confidence boost by just changing the way your hair looks. Hairstyles come in and out of fashion, and there are loads to choose from depending on what suits you. What’s more, hairstyles are probably the easiest thing you can change about yourself. If you have self-confidence issues because you’ve got bad skin or a big nose, then you can’t really change either of those things in an instant. However, you can change your hair to give yourself a brand new look that makes you feel more self-confident when you look in the mirror.

My advice is to try a look that you’ve never attempted before; do something completely different to what you’re used to. This can help you see yourself in an entirely new light, and make you feel more love for your appearance. There are lots of trendy styles out there right now, but a couple of my favourites are crimped hair, short hair, and braids. Crimped hair is when you use a hair crimper to give your hair a really pretty zigzag pattern that looks wavy. It’s in-fashion right now, which makes it the perfect idea. Short hair is obviously very striking, particularly if you’re used to having long hair. Again, it can help you see yourself in a completely new way. Braids are just very pretty, and you can experiment with different styles as well. Changing the way your hair looks is such an excellent way of bringing out your natural beauty and helping you feel more confident.



Improve Your Posture
Have you ever caught sight of yourself in the mirror when you’re feeling down? If you have, then you’ll undoubtedly see a hunched over figure staring back at you. The more depressed you feel, the more rounded over your posture becomes. We have a tendency to just fall forward when we’re down - it’s almost like we give up and just let our bodies round forwards, so we become hunched and slumped over.

Well, you can improve your confidence by doing the opposite of this and sitting/standing up nice and straight. Improve your daily posture, and you’ll instantly feel much better about yourself. Try it right now and see what I mean. If you sit with your back nice and straight, shoulders set backwards, and your chest out, then you exude confidence. Other people see you as being more confident than you might actually be. It’s simple; carry yourself with a positive posture, and you’ll feel more positive about yourself. Now, when you catch a look at yourself in the mirror, you’ll see a completely different person.

Remind Yourself That You’re Loved

Everyone reading this is loved by someone. Even if you’re single, you’re still loved by family and friends. When you’re not feeling confident, it’s easy to get dark thoughts in your head that keep telling you you’re the worst and you’re not good enough for anyone. This is especially tough for people that are single and maybe struggle to find a partner for whatever reason. Or, if you go on a date but it doesn’t work out; you immediately get that complete lack of confidence.

It’s so important that you remind yourself that you’re loved. Talk to the people you surround yourself with; your family, friends, or maybe even your partner if you have one. Let them know how you’re feeling, and they’ll respond like any good person should - by telling you all the good things about yourself. Sometimes, all it takes is a hug from a loved one to make you feel so much better about yourself. It reminds you that there are people who care about you and love you deeply. This gives you such a mental boost that helps with your confidence.



Do Something You’re Good At
What’s the main underlying theme associated with a lack of confidence? It’s this feeling that you’re not good enough in some way, shape, or form. You might not think you look good enough compared to others, or you may feel less talented than some people. Either way, you just don’t think you have any strengths, and it gets you down.

So, the last thing you can do to give yourself an instant confidence boost is to do things you’re good at. No matter what you may think, everyone is good at something. The beauty of this world is that people display talents in many different ways. Maybe you’re a keen musician, or perhaps you’re really good at writing? Regardless, do whatever it is that you’re best at, and it will make you feel more confident. You get into a positive mindset when you’re doing something and are aware that you’re doing it well!

All these ideas are great for giving you a serious confidence boost when you need it the most. Remember what I said near the beginning of this post; the longer you let your confidence issues manifest, the worse they become. So, by having these ideas to give you an instant boost, you ensure that you’re not always stuck in a negative mindset, and can feel more confident!




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*Collaborative piece

4 May 2018

Traveling Stateside: American States For The Bucket List

Heading to the USA may seem like one of those trips that would be bucket list worth, wouldn’t you agree? With so many states and destinations to choose from, you could spend your whole traveling life visiting every inch of it. However, there are some destinations in the US that are worth adding to your bucket list and should certainly be high on the priority list for your future holidays. For different reasons I might add. So I thought I would share with you five of them now to get you inspired.


Florida

Maybe Florida is one to add to your bucket list and I can tell you that there are many reasons as to why you should have it on there. Not only do you have the fabulous Orlando, filled with some of the best theme parks in all of the world, but you also some of the best beaches around. Miami beach, Fort Lauderdale and The florida Keys will have you escaping your real life and relaxing into that beach vibe in no time at all.

California

Maybe California is the one, the sunshine state and the place where not only do youa have the home of some of the studies for the top filmes we see at the cinema, but you also have cities like San Francisco and the indi vibe that Santa Cruz can offer. Staying in places like the Hotel Paradox means you are closer to the action of this fabulous location. California has something for everyone, and many people consider a road trip of this state to take it all in.

New York

The state of New York has many hidden gems, but one of the most iconic places happens to be New York City. You can walk down the sidewalks of Manhattan pretending you are a star in the latest Sex and the city release, you can shop until your heart's content in some of the most iconic stores, or just take in some of the best views around on top of the empire state building.

Nevada

There is one thing for it when it comes to Nevada, and that is the adult sin city of Las Vegas. It happens to be on many bucket lists already, but as it might not be in yours, I thought I would include it in this list anyway. Seeing the sights and sounds of the lights and grandeur that is the Las Vegas strip, betting a bit of money on the roulette or slot machines, or just enjoying cocktails around the pool or taking in one of the famous residency shows. It really is a fun holiday to have.

Texas

Finally, we have the state of Texas and it really has a lot to offer in terms of a vacation. The musical capital of Austin has some of the best live music around, but there are also places such as Houston and Dallas that you can take in as well. Finally, if you like the chance to just sit and relax then you can people watch in the multicultural area of San Antonio.

I hope this has given you some food for thought for your next trip away.

26 April 2018

Tips For Blogging On The Go


Fitting in time to blog can be a hard thing.  A full time job, dates, commitments with friends and having time to actually relax and sit down to write can sometimes be challenging.

So many times I have found myself under deadline, or with an opinion piece that I really want to write and end up writing at 11pm.  Not ideal.  But writing still brings me so much joy, so how do you do it?

The challenge is to fit my blogging around my life and still being able to be creative with it and keep the joy and excitement in there, without it being a chore.

For me, that means creating a virtual office that I can take with me everywhere, whilst maintaining a home base where I collate my ideas.  Here is how I do it:

Buy a Notice Board

I have recently purchased a notice board for my room where I can pin my notes for my latest blogging ideas and projects. I use colourful post it notes along with pages from my notebook in order to create a visual aide that I can look at for reminders of what is in my to do list along with inspirations for future pieces.  For me, this works much better than a calendar or diary.


Utilize Your Travel Time

I worked out the other day that I spend 45 minutes on the bus every day.  Perfect time for a little blogging inspiration!  I have a cheap notebook that I don't mind tearing pages from where I jot down ideas and piece together blog posts using bullet points that can be typed and added to later.

If you travel to work by bus or by train, your commute is the perfect time to get started on pieces and get the inspiration flowing.

Write on the Go

A few months ago I purchased a small lightweight tablet with a removable keyboard which has proved a lifesaver.  Whilst you cannot get a tablet out on the bus (although would be great on the train), I find it perfect for transforming my notes into a few paragraphs in my lunch or when in the summer, sitting in a park and getting a little work done whilst getting some sunshine.

Maintaining Your Down Time

Remember, writing is supposed to be fun.  It is what you enjoy so don't make it a chore.  Remember to enjoy yourself, take a break, take a step back and relax.  If you schedule your time there is no reason why you should be writing late at night or getting up early to finish a piece.


18 April 2018

How to Organise Your Home

 Keeping your home organised and in order is an ongoing battle that we all face on a daily basis, but just following a few simple tips can ensure that your home is clean and clear.

Having an organised home can take a bit of effort if you don't have the right vacuum cleaner, but keeping it this way can work wonders for your wellbeing.

17 April 2018

For The Love Of Dogs

I have always loved dogs.  The unconditional love.  The happy face that greets you when you come in the door.  They way they somehow seem to know when you are ill or sad and come to cuddle you.  

Over the past 25 years we have had many dogs.  See you if can see the (very obvious) theme of the names! Benjie, Sophie, Cindy, Ellie, Rosie and Simba.  All with the "ie" on the end apart from our latest baby boy, Simba.

The saddest part about having a dog is that they have you their entire life, but you don't have them for yours.  We have had to say goodbye to 5 dogs and it is heartbreaking every single time.  But we will always remember their love, their characteristics, their personalities.

Our dining room is host to the pictures of all the dogs we have had over the years.




I realised the other day that Simba was turning 2 in June and we still not have a picture of him up in the house.  That had to be remedied ASAP so I started looking at photo canvas prints online that we could put on the wall.

I think the hardest part was choosing a photograph of him, I have hundreds on my phone as he is such a little poser!  See what you think of the photograph I chose..


Isn't he just utterly beautiful?  As you can see, we have departed from having Yorkshire Terriers to this time, a Shih Tzu this time.  When we went looking at dogs this time around after losing our wonderful Rosie and Ellie last year, I saw their faces in all the puppies we looked at.  We found Simba on Gumtree of all places, with current owners who couldn't care for him anymore so at 4 months, he became our baby instead.

Do you have photographs of your fur babies (or actual babies, whatever takes your preference that you want on your wall?  Because I am happy to tell you that I have a promotion code for www.my-picture.co.uk on their already discounted canvas print formats (87% saving in all!).  

All you have to do is go on the site, upload your photograph, select the desired print canvas format and enter the code THECURVEDOPINION in the coupon code section when checking out.  Simple!  The code is valid until the 15th May 2018.

Let me know in the comments if you buy a print and what photograph you have chosen!




*This item was gifted to me but all opinions (and fur babies) are my own

15 April 2018

Tips For Summer Holidays When You Are Plus Size

So 3 months today I'm off on holiday to Spain.  It has been 8 years since my last holiday abroad and I CANNOT WAIT.  Of course you know about this because I have been on going on about this for months!

I previously wrote about dressing while plus size on holiday and today I want to talk about how to prepare yourself in terms of confidence and preparing yourself in terms of your skin.


Look After Your Skin

One thing that I am conscious about, especially now that I am 39 is that taking care of your skin in the sun is so important and you have to be prepared.

My skin hates winter and I frequently end up with dry flaky legs and dry patches on my face, no matter what products and creams that I use.  This brings my confidence levels down and makes me cover up more.

I now attend a local thermal spa every month and indulge in the steam and sauna rooms which is fabulous for your skin and the heat exfoliates your skin a thousand times better than any product.  In addition, I am shortly going to be taking a natural collagen supplement in order to improve my skin's elasticity.  This product also helps to protect your skin from sun damage.  I will post a link on the blog when I have finished trying out the product for my thoughts and review.

Bring The Costs Down

As I haven't been on holiday for so long, I am having to buy a lot of things for this holiday when it comes to clothes, products and accessories.

This can prove expensive and one way that I have combated that expense is by researching online for the best prices and also using cashback sites.  You can get cashback on everything from the holiday itself, to travel insurance, to your clothes and the products that you need.

Do What You Need to Elevate Your Confidence Levels

He had to get in on the act!!

As a plus size woman, even with the confidence that I now have, I confess that I do find the prospect of walking around in swimwear, shorts etc a little bit daunting.  Although I feel confidence in myself, the judging eyes and occasional comments can get you down and that is the last thing that you want when you are on holiday.

Going to my local spa every month has increased my confidence exponentially in realising that people are living their own lives, having their own experiences and generally do not care what other people are doing or look like.

But if you are worried about being confidence and secure on holiday, do what I do.  Bring on the glam!!!

Work those Audrey Hepburn inspired sunglasses.  Wear the brightly coloured kaftan or sarong around the pool.  Find that swimsuit, swimdress or bikini that makes you feel fabulous.  Wear a dress every night if you want (I will be).  I have even bought a Spanish inspired fan.

Above all, OWN IT.

I spent far too many years worried about what others thought about my body without ever thinking of what I thought about it.  No more.  I own who I am, what I look like and what I wear and damn, I am going to look and FEEL fabulous on holiday.



On a side note, I share this last photograph of me in a swimsuit for a reason. I reviewed this swimsuit a few months ago and shared it on my blog and Twitter.  An idiot who disagreed with me online recently shared this photograph of me online, without comment, in order to try and silence me.

Pro tip.  If you disagree with me, use your words.  Form an argument.  Grow a set.  Because you will NEVER silence me or make me feel ashamed of my body.  If your only form of argument is to try and silence someone by attempting to disparage their body image, you are the one that needs help.  Not me.

14 April 2018

Horse Racing: The Most Brutal Sport In The World

Today is my annual post about the Grand National.  As always, some will read it, some won’t.  Some of you may look at the title of this post and turn away, not wanting my words to spoil your office bit of fun betting on the sweepstakes.  As ever, all I hope is that at least one person reads my blog today and changes their mind about making that bet. Forever.

The Grand National isn't the only horse racing event of the year of course.  Recently we had the Cheltenham Festival.

North Hill Harvey.  Dresden.  Sandsend.  Some Plan.

Sound familiar?  Probably not.  But they died for your viewing entertainment at the Cheltenham Festival this year.  A broken leg in the horse racing world isn't repairable.  A broken leg is a death sentence.  

Animal Aid began a record of the death of horses 11 years ago at the Cheltenham Festival.  Since then, 1677 horses have died.  That is 3 horses, every single week.  3 horses, A WEEK.  During the popular horse racing events and months, that figure increases.  In March alone 18 horses were destroyed due to injuries in a race.    

This weekend is the Grand National.  People who do not bet the whole year round get together and chose their horses, either with families or work colleagues.  It is a tradition.  After years of horses dying at every Grand National meet, they have at least improved the course and unlike places like Cheltenham who practically have fatalities every year, the Grand National hasn't had a fatality in five years.




Every year the course at the Grand National is improved.  Made safer for the horses, yet still last year 21 horses out of the 40 entered failed to finish.  In any other sport, it would be deemed too dangerous.  By a mile.  By 50 miles.  But because it is horse racing, it is somehow deemed acceptable.

When you make your bet today, what are you thinking about?  The possibility of winning a couple of pounds on  a five pound bet?  Probably.  What you won't be thinking about, what I want you to think about is a horse.  A horse who loves to run.  But a horse that doesn't know that he is entered into a race which could take his life if he breaks a leg, or a shoulder.  A horse who if he manages to make it through the 16 fences, 14 of which jumped twice, will be whipped to the finish line.  All for your two pound win.

So when you think about placing your bet today, ask yourself this.  Do I like seeing horses whipped?  Do I like watching a race where death is a very real prospect for the horses involved?  Do I want to contribute to an industry that values horses value at zero and the mob at one hundred percent?  I hope you know the answer to that question.  


We are a nation of animal lovers.  If you love animals, you do not want horses to be treated this way.

The organisers at the Grand National have started to listen.  It is time that all organisers of all horse races do the same until it is still a competitive sport, but not a fatal one.  Not one where a winner has been whipped to succeed.  

Make your choice.

2 April 2018

Summer Loving

So this was my view yesterday.  Looks idyllic doesn't it? I'm thinking 25 degrees, a cocktail beach bar at the other end, sun shining down on you..... Not so much.  This is in fact Lytham St Annes in Lancashire, England where we took my dog Simba for a walk yesterday.


Here is the boy in question, absolutely loving his first time on the beach (although he wasn't too sure of the sea, preferably to keep his little paws dry). 


Whilst today we are unfortunately back in snow covered scenes, yesterday made me really start to think about the summer ahead.

We are lucky at home to have a large patio area with beautiful views over the town to the countryside in the distance.  It is a perfect sun trap in the summer months and every year in the Spring we take advantage of great patio and garden furniture deals from Groupon, to enhance the area and maximize the space potential.

For summer evenings with a glass of wine and a beautiful view, we have a wrought iron table and chairs set on the balcony and for sun bathing during the day (when possible in the British weather), we have loungers and an ice cooler box for refreshing summer beverages.


I cannot wait to take Simba on more walks on the beach in the summer.  There are so many beautiful beaches in the UK that sometimes we do not truly appreciate until the warmer weather appears and on a sunny day, you really do feel like you could be in the Riviera.

One things that us Brits tend to forget during the summer is that the sun in England can burn you just as easily as when you are abroad.  Because we get so little really sunny days in the UK, we forget that you need to use protection against the sun here too.  All of my really bad sunburn incidents have happened whilst on a day out with no sunscreen.

I remember a particular day out at Oulton Park racing track when we presumed that the weather was going to be raining, and we ended up in blazing sunshine and for me, blisters on my shoulders that lasted for a week!  Prior preparation is key folks!

I am lucky enough to be taking a trip abroad this summer and will be sharing with you my top tips for summer holiday preparation when you are plus size.  Check back in a few days for my tips!



*Collaborative post

29 March 2018

It's A Period Thing

I have a question.  What is it about a woman having a period that is so scary to some people?

When you see adverts about menstruation products, you invariably see women all in white, doing sports, bungee jumping, basically anything active that does not actually reflect how women feel when they are on a period, or what they want to do.

If you want to sell a menstruation product to women, why not for once, work to your audience.  I know that I, for one, do not want to run, jump or bungee jump when I am on my period, I want a hot water bottle, food and more than anything, no one to irritate me more than I am currently feeling.  

Like my insides are being ripped out and my head has turned to mush.  Like I feel anger, sadness, pain, sleepy and so so irritated!  Show me an advert that reflects a woman having a true period, with a product that is going to help me and I will buy it in droves.

Do not mess with me!  I am hormonal.

Sell me a product that is actually made specifically to assist women when they are having a period.  Knixteen for example sell underwear for teens that works as a perfect backup when you are having a period and want to protect your underwear (and your clothes!) from leaks.  How many times as a teenager have you been terrified when on your period that something is going to show through? 

Because we have been taught that showing that having a period is taboo.  

I was in a line at Boots the other day with my sanitary products and an older lady actually looked at me in shock and said "Hide that away dear!".  Why?  Periods happen.  It is a normal bodily function that we should not have to hide.

I cannot count the amount of times that I, and most the women I know, have experienced a sharp cramp, been asked if we are ok and every single time we answer "No it's fine, I'm fine".  Why do we deny the pain?

Studies have shown recently that period pain can be as painful sometimes as a heart attack and yet we are taught to demur, diminish and outright deny.  We are taught that it is something to hide, to protect people away from.  

It is 2018 people.  Sell us the products that work for a woman actually having a period.  Normalise it.  Don't make it a taboo.  We are women, we bleed sometimes.  Get over it.

26 March 2018

Decorating Your Ceilings

The ceiling. It’s something we don’t tend to think much about unless we’ve got a crack in it or the water from the bathroom is suddenly spilling through. However, it’s one of the best places in the house to flex your creative muscle! We’ve talked about what to do with your floors, so let’s turn our attention upwards. It’s time to focus a little on the ceiling, and how decorating it can really bring a room together. You might feel like your space is a little empty if you have minimal possessions to your name (don’t worry, you can easily build on this!), and thus filling a room with a little more life is a must!


Try Hand Painting

If you’ve got enough confidence in your ability with a paint brush, it’d be a good idea to take to painting any designs on yourself. Just imagine being able to look up at your ceiling and seeing an entire constellation there, or a misty woods full of flowers and sprites! Just like the Sistine Chapel, it can be a real work of art when you set your mind to it!

So if you’ve got the paint and a ladder that’s tall enough to get you within head height of the upper floor, try this idea out. Whatever you choose to do with your hand painted masterpiece, try to blend its colours in with the rest of the room. Darker shades work well for bedrooms, and neutral colours in the kitchen are always going to be popular with your marble or hardwood countertops.

Hang Up Some Curtains

If you hang up blackout curtains from the ceiling, you can easily separate one half of a room out from the other. This works particularly well in the bedroom, and can give your bed a little more privacy when you’re in it. Yet, you can hang curtains up anywhere in your house, and you don’t even need to use nails to do so.

It can be a great way to get some of your own space when it comes to other rooms as well, especially if you share a house. If the curtain is done, no one is allowed to enter! Then you can get on with whatever work needs doing.

Get into the Loft

Most houses and flats have some sort of loft to them, and if yours is big enough to stand up in, it doesn’t just have to be storeroom anymore. Maybe it’s a place where all your grandmother’s old dolls are kept, but they can be stacked neatly in boxes off to the side. It’s time for you to convert the rest of the space into a sitting room.

Whatever you choose to do with your new room will work wonders when you know you can be safe there. Look into Loft Panel Next Day Delivery to keep any essential wires (electricity) out of your face immediately.

Your ceiling doesn’t have to be left white or bumpy; try out these ideas!

19 March 2018

Review: Jileon Wide Calf Boots

A few months ago I was afforded the opportunity to review a pair of wide calf wellington boots from Jileon

Now as any dog owner knows, wellington boots are not something that are not confined to the winter months, especially in the UK where weather can range from sunshine in the morning to pouring rain in the afternoon, with of course the snow we are experiencing at present.  They are of course also perfect for festivals where the mud is an ever present feature.

For me however, wellington boots are an essential to walk this little snow angel.


Now I said that I received these boots a few months ago and you may wonder why it has taken me so long to review.  The thing is with wellington boots is that you need time to make sure that they are right for you.  Are they comfortable?  Are they going to rub?  Do they support your ankles? Do they help you walk in mud, snow etc?

None of these questions can be answered with a single wearing. 

What I would recommend with these wellington boots from Jileon is to size down.  I am a size 6 and they were too big for me, even with wellington boot socks.  So for an accurate review I gifted these boots to my sister who is a size 7; and they fitted her perfectly.





 This was probably a bonus to this review to be honest as I can be a little "tippy toes" in adverse weather conditions whereas my sister takes her dogs out every day, tracking through mud, snow, streams; everywhere basically.

I asked her to wear the boots and give me an accurate reflection of what she experienced while wearing them.  Her thoughts were that they were supremely comfortable, a good fit on the ankle and had great traction.   All basically that you can ask from a wellington boot.

These are wide calf boots but there is also a belt buckle facility at the top which allows you to tighten/loosen depending on the clothing that you are wearing.  

Jileon offer boots at both the standard and wide fitting.  They also offer different wide fittings at the calf, from below calf. wide and extra wide.  They also offer usage options whether you want occasional use, to regular and hard wearing.

From both my trying them on and my sister using them on a regular basis I can confirm that the wide on the calf fitting is very accurate and the adjustable buckle at the top comes in very handy.  

I would not hesitate to recommend these wellington boots to someone else, just with the advice to size down in your shoe size in order to get the perfect fit.


*This item was gifted to me but all opinions are my own


7 March 2018

5 Tips To Sort Out Your Finances


I used to be a couple and utter scatter brain when it came to money.  If I wanted something, I usually bought it, without thinking of the consequences to my bank account, or credit rating for that matter.

This lead to credit cards, loans and ended up in a situation where I could barely keep my head above the water; but my head was buried in the sand.  After getting paid one month and realising the day after that there was barely anything left, I realised that something needed to be done.

I was getting to a stage where I needed help paying bills, my credit card bill was sky high and the dollars coming in did not match what was going out.  I managed to remedy the issue and my debts over the next few years and picked up some tips along the way which I thought I would share with you today.

Find out just how bad it is

When you realise that you had gotten yourself into a situation, everything has to come out.  Find out exactly what you owe, just how many credit cards you actually have, what you are spending your money on every month.

The first thing that I did was to look over my bank statements and credit card bills for the past six months to look at what I had been buying.  I made a chart with my justifiable expenses on one side, and the extravagances on the other.  I bet that you can guess which side had more entries.

Make A Budget

Sounds basic, but when I say make a budget, I mean for everything.  Break down every cent that is coming in and list everything that has to come out and on what date.  Make a 30 day planner and write down when bills are coming out and how much for.  If you are buying your lunches, make them instead.  STOP BUYING EXPENSIVE COFFEE SHOP COFFEES!


Be honest with your credit providers

When I realised just how much I owed to my credit card providers and loan company, I started to look at debt management companies.  Many seemed to offer the same sort of service, for a fee of course, which involved going to your credit providers and negotiating a lower monthly payment and a halt on interest.  I decided to cut out the middle man and go to them direct.

I managed to get my credit card company to freeze my account and stop any more interest going on.  I was completely honest about what I could afford and made a payment plan with them which was management.  Remember, they want their money back, what they don't want is you to stop paying completely.

I managed to make a payment arrangement with all of my debtors, with varying degrees of helpfulness from them.  But it did ease the situation and enabled me to pay them back faster and without the worry of demand letters and Court judgments.


Save

If you are trying to pay off your debts, can you really save?  Yes, but start small.  I was given a large piggy bank styled as a fashion boots many years ago and decided to put it into action.  I only put the smallest denominations into the boot, pennies, cents etc whenever I had them in my purse.  It took around 6 months to fill the boot and I was presently surprised just how much it added up to.

I would like to say that I used the money to pay more off a bill, but I didn't.  I did use it to buy someone a birthday present so that still counts, right??

What I also tend to do is take advantage of discount opportunities and vouchers codes from places like Dealsdaddy and Dealsqueen.  There are always going to be things you need to buy at some point, so why not take advantage of a discount!

Sell

If you have been throwing your money around for the good few years, the chances are that you own more stuff that even thought.  Go through everything and be brutal.  Sell what you do not need or had forgotten that you had bought.  Stuff will only ever be stuff and does not enrich your life, or your bank account!

Finally, don't beat yourself up about it.  It does not help.

You got yourself into that situation and you will get yourself out.  It will take time, effort, concentration and a stranglehold on your finances for a while, but you will get there.

Fast forward a few years and my finances back in order and I am saving for the first holiday abroad in 8 years.   Time for a long awaited cocktail by the beach.  I think I have earned one.




*Collaborative piece

5 March 2018

A Weekend Away To Make You Feel Like A New Woman

Whether you’ve got kids, a hard-hitting career, or your schedule is simply jam-packed with things to do, it’s important you prioritise yourself by taking some time away to rejuvenate and feel like a new woman. Planning a great weekend away could mean returning home to your career/kids/husband/life feeling like a brand new person and ready to tackle whatever life throws at you.

Here are some pointers and ideas that can help you to plan this:

Take A Look At Spas In Your Area

If you don’t want to go too far but you do want a weekend filled with relaxation, then take a look at any spas in your area and see if you can find a great package deal to save some money. Alternatively, you could drop some hints to a parent, sibling, or spouse if you have a special occasion coming up, like an anniversary, birthday, or even mother’s day. Spa days aren't as expensive as you think - it’s only when you start adding treatments to your package the price begins to shoot up. With a good book in hand, you could have just as good a time at a spa using the facilities without having a single massage or treatment. Great even for those on a budget!


Treat Yourself To A Stay In A Luxury Hotel

If you don’t want to stay in a spa, how about a luxury hotel? Many luxury hotels have spa and gym facilities anyway for their guests to make the most of. Dorsett City Hotel is a good example of what to look for in a high quality hotel that will meet all of your needs. Make sure you take the time here to pamper yourself, and spend some time getting to know yourself again. You don’t have to go anywhere or do anything to feel great, as long as you’re enjoying the time you’re spending with yourself.

Plan A Loose Itinerary

If you do like to have a few things planned, plan a loose itinerary so you can change your mind at the last minute if you need to. Maybe you could look at walking tours, see a monument, or go to a show.

Explore Somewhere Brand New

Exploring somewhere brand new can give you exciting butterflies in your tummy - there’s nothing more exciting than going on an adventure with yourself! It also increases your dopamine levels, so you’ll feel on a high for ages afterwards. The great thing about exploring somewhere brand new on your own is that you can do what you want when you want, and you have absolutely nobody to answer to. It’s so much fun!

Stay Away From Technology

Try not to get stuck on technology. This is about you spending some quality time with yourself for a change, so you can go home and feel amazing. You don’t want to spend your time scrolling friends news feeds even though you haven’t spoken to them in 5 years, or consuming the fake news that’s all over the internet these days. Stay in touch with your loved ones, but stay away from technology the rest of the time.

Read A Good Book
If you’re not using technology, then what can you do? Read a good book! Story books are great, but how about an amazing self help book if you really want to reduce stress in your life and get some actionable tips on how to feel amazing permanently? There are so many out there - just take a look at Hay House’s back catalogue if you’re stuck on ideas. There are books on learning how to love yourself, how to feel happier every day, how to be more productive, and so much more. Reading a book like this for the first time can really open your eyes to how powerful you truly are.

Treat Yourself
If your budget can stretch, aim to treat yourself to something nice on your weekend away. If you’re used to spending your money on bills and treating the kids all the time, this can feel strange. However, it’s important you don’t feel guilty about spending some money on yourself for a change. You deserve it! Get your nails done, or have your hair done. You’ll feel great even if you can only get a trim, or a blow dry. Maybe you could even treat yourself to a new outfit, or a special piece of jewelry to remind yourself to love yourself always.

Do A Class
There are so many classes you can do, so think back to something you’ve wanted to try for a while and see if you can find one in the area. For example, yoga is a great form of exercise that also incorporates the spiritual, or you could simply de-stress by doing some x-biking. If you don’t want to exercise, you could do a still life class, a cooking class, or something else entirely. It’s totally up to you! Take this time to explore new things and see if you can find a new hobby while having some fun.

Write A List Of Realistic Goals For When You Get Home

Before you get home, write out a list of realistic goals that you want to stick to for the next few months. Here are some ideas:

  • Eat at least 5 portions of fruit and veg per day.
  • Drink 2.5 litres of water per day.
  • Get at least 8 hours of quality sleep per night.
  • Put your physical and mental health first.
  • Exercise 3 times per week.
  • Read for an hour a day.
  • Spend time on goals/hobbies for at least an hour a day.

It can be tough to fit everything in, but you can do it if you make them a priority in your life. Stop putting yourself and your goals on the backburner and realize how important you are. You can’t pour from an empty cup, and when you feel full and happy, your family will too. Thanks for reading!