Do You Need Help Getting Out of Debt?

Getting in debt is easy, getting out, however can be difficult. No one wants to be in debt. It can be embarrassing and frustrating to say the least. It can hinder you from getting a home, a car or even a job. First of all,you are not a bad person because you get into debt. It happens to the best of us, especially during the pandemic. Life happens, it’s unpredictable. So even though you might have taken out a loan or gotten a credit card with the full intention of paying it back, things happen beyond your control.

So who is a candidate for debt consolidation? asically anyone who wants to pay down their debt. Debts can grow and be larger than you could imagine in just a short period of time. It can be frustrating and upsetting to get collection calls all day long, especially if you are trying to work to pay your bills. Believe me, I know, those calls do nothing but worry you more and make you feel worse. But don’t lose hope because there are solutions available for those who are looking for a way to get out of debt. There are many situations that can cause one to get into debt. Maybe you lost your job or got divorced. It wasn’t your intention to get into debt but yet here you are. It can feel as if you are in a never ending cyle. But there is is help.For instance, you can consolidate your debts into one payment that makes it easier to keep track of or you can negotiate with your creditors for lower payments. You can even get credit counseling so once you get out of debt you can stay out of debt. I know it can be difficult to save money when you are living on a fixed income. Making some payment is better than making so payments. But debt consolidation can get your payments to where you can actually afford them and keep your credit score where it should be.

So whatever you do, don’t feel hopeless, like there’s no way out, because there is. There are resources that can help you.
Forbes magazine has an excellent article about how you can save money and reduce your debt as well as Nerd Wallet. There’s so much information out there now about how to get out of debt. You can also click here for more advice on how to consolidate debt and get back on track with your payments.

I know being in debt is rough. I’ve been there, but definitely take advantage of all of the resources you can. There are people out there who can help you. Being in debt does not have to be permanent. You can be free of it, you just have to use all of the resources you can to get out of the rut. Again, never feel ashamed because you are in debt. Many people have been there and come out on the otherside. Just persevere and never give up!

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How To Keep Your Resolutions This Year
It seems people always have the same New Year’s Resolutions: lose weight, workout more, eat healthier. But most people never seem to stick to those. Sure, it seems like a good idea to put all that pressure on yourself at first, but then after a few weeks you quickly realize that maybe you should have put down the eggnog and really thought things through.
I prefer less common New Year’s resolutions such as: smile more at strangers, without being creepy, of course, use less sarcasm when speaking to people, and try not to be a jerk when you’re having a bad day. Resolutions like that are not only beneficial for you, but for those around you also.
According to, only about 8% of people actually keep their resolutions. The other 92% must either forget about their resolutions or that cake at the office was just too tempting to pass up. Whatever the reason, people just don’t make it past a month before they toss their resolutions to the side and go back to doing what they were doing the year before and the year before that, etc.
Most people make resolutions because they want to make other people happy. That’s never a great idea because you become so focused on disappointing someone else that you become miserable. And that’s no way to live. You don’t have to overdo it by eating bad food, but you can eat it in moderation. Just be sure you are doing it for yourself and not another person. Ultimately, you are the one who has to live with yourself.

If you are determined to stick to your goals, measure your progress, no matter how small. That way you can keep on track and when you look back over time you can see how far you’ve come since the first of the year. Make sure it’s something you can achieve. Don’t set a goal to lose 40 lbs in a month. Chances are, that’s not feasible. Set a smaller goal such as maybe 10 lbs.
So, say you made a resolution to go to the gym more, start by going once or twice a week for 30 minutes at a time, or even just 15 minutes at a time. And every week just keep increasing it little by little until you are where you want to be.
And I think most people can find little ways to eat healthier. You don’t really need that double- foam-triple-caramel-latte-full-fat-milk do you? Those drinks are so high in calories that you could probably cut out 1000 calories right there. At least cut down to maybe one or two a week. I know it’s not easy but it will be worth it if you really are determined to keep your resolution.
See, resolutions are not really difficult to keep if you know how to do it. Also,don’t be too hard on yourself if you fail. If you really want it, just keep trying and you’ll eventually get there. The key is to not give up and keep pushing towards your goal.

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Do I Bring Presents To A Gender Reveal Party?

The guests actually decide whether or not  to bring a gift. Neither way is wrong. The hosts probably won’t expect a gift because this type of party is just all about fun, but not many people have been known to turn away a gift.


Bringing a cute baby present or something the parents will love is just another way to show your affection and appreciation for being invited so if you bring a gift, you’ve done nothing wrong, but no one will be expecting it.


Whether it’s the first child or the eighth child, once a couple finds out they are pregnant, it’s a huge choice to find out the gender or just be surprised at the birth.


If they decide to find out the gender, it’s a truly exciting time for family and friends alike, so the gender reveal parties is a gift in itself.  Sometimes people have fun themes with games and music. Some of the best themes include food, movie themes, paint guns or clothes, such as tutus and bow ties, according to Gender Reveal Surprise.


Parties may have rooms filled with balloons as you just await on pins and needles for one of those balloons to be popped as the colored confetti streams out exclaiming the gender. Other parties may have games where partygoers follow clues to find the gender reveal present at the end.


The best thing is the reveals don’t have to stop at confetti and powder. Many hosts fill cakes and/or cupcakes with the color of the gender and have everyone gather around for a sweet revealing treat. Some hosts go as far as to put colors in their car exhaust and rev down the road as the colored powder flows out. Everyone has their own ideas and nothing seems to be off limits. It’s all about celebrating loved ones, the new parents and the exciting new addition.


If you decide to bring the parents a gift, go unique.


It might be even a little more fun to bring the new sibling a gift because they may be feeling a bit left out and confused about all of the upcoming changes. Give them a gift or give the entire family a gift for an extra special surprise. Your gift could even go with the theme of the party. If the parents choose to hit a ball filled with powder, bring them a sporty golf gift. A gift doesn’t need to be something expensive as you can go all out for the shower later, it just need to be something fun or from the heart.


Enjoy this life changing time with loved ones and just have a lot of fun. To make sure your gender reveal party is a great success, follow these tips in the blog at Gender Reveal Surprise.


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How To Declutter Your Home

Ways to Declutter Your Home

The idea of living a minimalistic life sounds attractive to many these days and it’s definitely something thats on the rise in popularity. The benefits of owning fewer possessions means you have less to clean, less to organise, less stress, more money and therefore more energy for the things you’re really passionate about due to the amount of time you’ll save not having to clean so much stuff!

However, this is where things could start to get a little stressful, especially if you have a lot of stuff to get rid of. Many people starting out will begin to feel overwhelmed, anxious, and defeated around the idea of decluttering their homes. However, the decluttering journey doesn’t need to be as painful as you might think.

Here are our tips to help you declutter your home…

Give yourself a time limit. By giving yourself a time limit, means you have a clear end in sight. This could be anything from 5 minutes to half an hour. See what you can get done and once you reach your allied time, stop and treat yourself by doing something you love – go for a walk, spend time with friends…etc

A room at a time. As it can sometimes feel very overwhelming when it come to decluttering your home, do it piece by piece, or room by room to make it more manageable.

Fill one trash bag. One great way to declutter is to grab a large rubbish/bin bag and simply fillet up. Pick a room and just go for it! I bet you’ll be surprised at how quickly you can fill it up. Then once its full, either take it to a charity shop or your recycling centre to give your unwanted items a new home.

Try the closet hanger experiment. To identify pieces in your wardrobe to clear out, hang all your clothes together in your wardrobe with the hangers in the reverse direction. After you wear an item, return it to the closet with the hanger facing the correct direction. After say, 6 months, you’ll have a clear picture of the clothes you do and don’t wear, making it easy to get rid of the ones still facing in the wrong direction.

Make a list. Create a list of places/areas in your home to declutter beginning with the easiest. When you’re done with one area, stop and take a break or stop all together and focus on some thing else. This list could be made as easy or difficult as you desire based upon what areas of your home make up the list (drawers/closets/rooms). And could easily fit into any schedule.

Take the 12-12-12 challenge. The 12-12-12 challenge is a simple task of locating 12 items to throw away, 12 items to donate, and 12 items to be returned to their proper home/place. It can be a really fun way to quickly organise a multitude of things in your home.

Experiment with numbers. Pick a number of items to get rid of and see if you can make it happen. For example, say you picked the number 48…this would be the number of items throughout your house to get rid of. However, if 48 seems too little, or too much, adjust it to suit you. The important thing is to challenge yourself to live with less and see what you learn from the experiment.

The Four-Box Method. Buy yourself 4 boxes and line them spout of the way, in a spare room perhaps. One for trash, one to give away (charity), one for keeps and one to relocate (perhaps to give to friends/family or put in anther room more suited).

No matter what you choose to help you get started, whether it’s one of these tips or not, the goal is to take your first step into a clutter free world.

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