Lucy Gingham Check Cardigan. <p class=”p1″><span class=”s1″>Add some fun and colour to your spring wardrobe with this super cute Lucy gingham cardigan! It has a crew neck, elbow length sleeves and six mushroom buttons, and can be worn with a high waisted skirt or jeans! You can also wear it as a button-down jumper or open and thrown over a dress! </span></p><p class=”p1″> </p><p class=”p1″><span class=”s1″>• Material: 100% Cotton </span></p><p class=”p1″><span class=”s1″>• Care: 30 degrees machine wash. </span></p><p class=”p1″> </p><p class=”p1″><span class=”s1″>< Size & Fit > </span></p><p class=”p1″><span class=”s1″><span class=”s1″>• Fits true to size. </span> </span></p><p class=”p1″><span class=”s1″>• Length: From the shoulder to the hem 18 inches. </span></p><p class=”p1″>• Please see the <span style=”color: #000000;”><a style=”color: #000000;” href=”http://www.weekenddoll.co.uk/Sizes.html”>Collectif’s size </a> </span>guide. </p>
“Absolutely no crop tops, ever, unless they’re layered over a longer shirt, ideally a button-down. Tank tops are best when they’re more structured, like a sleeveless shirt. Otherwise, wear them under a lightweight blazer or cardigan, and make sure that the straps are wide enough so that your bra doesn’t show.”
Meena with her daughter Nainika at the IIFA Utsavam Awards • South India Fashion
I think this might be the most color I’ve worn in my entire life. It doesn’t help that my hair is bright a$$ blue. My brother calls me “Blue Mands Group” and honestly, it’s funny and clever af so I don’t mind. If you got any witty nicknames for ya girl send em’ my way. I’m blue (da
Can You Spot What’s *Very* Wrong With This Skin-Care Chart?
Forever 21 Crop Top, Target Pants (can you believe it?!), Steve Madden Heels I get so many women who tell me that they don’t know how to wear camouflage pants, or camouflage anything. The simple and easy way to wear camouflage pants is to pair with a solid color top. Camouflage pants will
Boohoo satin blouse, $30 / MANGO blue jeans, $40 / Nicholas Kirkwood black sandals, $449 / Gucci shoulder handbag, $4,900 / Wedding band ring, $3,200 / Diamond jewelry, $2,020 / Eddie Borgo gold je…
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To be honest, this is my biggest challenge for every spring – the tax season! It actually takes me weeks and weeks to put together my taxes every time. I am not sure what I am doing wrong, but by the time I am ready with my paperwork the deadline has almost always already passed. I usually ask for an extension as there is no way I am ever ready when it is due, but once I send it my paperwork I do often have to wait for quite a while to receive my refund, provided there is a refund, and I find it difficult to wait for it.
This wait for the tax cash can take quite a bit of time, especially if I am filing late, and the way I usually file taxes is all on paper, manually, so there is usually quite a long lag to wait till I get that refund in my hands.
Luckily, there are ways to go about it without going completely broke without any money while waiting for a refund. I am not sure if you are familiar with this service, but there is a company called Check Into Cash that will take care of just that – there is not need to wait for that tax refund any more. Check Into Cash is a national leader in providing short-term small dollar credit solutions that are affordable for anyone – http://fmtc.co/82f3617f?sid=115.563
Our main problem is usually two-fold. Almost every month of the year we have emergencies with money issues. Some emergencies we could be putting money away for but we are not, some are truly things that we have not expected. What’s up this year? Not sure if I have shared this on the blog yet, but we have recently had a small car breakdown, actually had the car totaled, and just recently had to get a new car. Now we are in a payment plan to be paying both the old car still, and the new car until at least the fall, then it will just be the finance offer for the new car.
Another news story from our family – our older kids just got braces, and while we knew this was coming, we didn’t really know when that would be the time to do them, and finally it kind of just fell on our heads now, the car and the braces, like a big snowball, the size of a snowman’s head. The snow on the head has melted away with the first few rays of sun, and not sure if those were tears in the eyes, or the melting snowman’s head, but we are completely soaked in bills, and are sure not too happy about this money expenditure. Now we have to, all of a sudden, find funds to cover those two big money outlays that we did not budget for at all. This is on top of the fact that we are daily overspending on food and living expenses. Yeah, money is really tight here right now. Well, who is not in the same boat? Most people are, I would imagine. Now, with the tax refund coming, oh, I don’t know, I still have to file those taxes, remember, I would say the help from Check Into Cash is not just appreciated, but more than welcomed! I will be happy to any cash advance I can get!
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This is a sponsored post on behalf of Check Into Cash.
Today I actually feel like I have accomplished something. I have been trying to get organized all day, and I can say that I have done quite a few little things that I have been postponing, and it feels good to get stuff accomplished!
My middle daughter helped me with my graphics today as well – this has sped up my blog posts quite a bit. To be honest, I don’t have a lot of projects left to do for the blog – everything is coming back to the routine slowly after the holidays, and I am really hoping to get caught up with all of my tasks in the next few days! Can’t wait to get everything organized with my blogging tasks, and looking forward to what is in store for my blog development – stay tuned!
I have been numb about my budgeting issues for a while – now I want to organize everything, and will hope to finish this blog post with two budgets that I construct – I want to show what we have spent on food and other groceries for the months of November and December.
To start, I have to say that most of our family birthdays fall into these two months. We have a tradition of going out for those birthdays every time, sometimes a couple of times for each birthday, so it definitely adds up. Birthdays in our family are a huge deal. This year we have also gone on a trip to New Orleans this past December, so that was quite a money outlay as well – even though our hotel had a kitchenette, we did not have time or energy to cook in our room. When in New Orleans, in downtown, your best bet if probably going out to eat, and that is what we did. We loved the food, but I am scared to look in my budgeting for the month now – we have to keep in mind that while we try our best to stay in our budget, we also want to continue living in the circumstances that we are in – we can try and save only so much.
Overall though, over these two months, we have been quite careful about our food and grocery spending. We have been using Costco less often. We have been buying more from Amazon Fresh, just what we need, and adding to what we are missing in our pantry at any given moment. We have tried to use coupons when going out to fast food places, and save money whenever possible.
Also, other than the trip that we went to, which I am actually not including here – the birthday parties, we also had Thanksgiving, Christmas and New Year’s – all nice meals that we love to buy more expensive ingredients for to cook with.
Dairy orders – $53.44
Amazon deliveries – 100.14
Food – $117.94
Restaurants – $195.46
Whole Foods – $320.64
QFC – $156.09
Birthday meals – $349
Albertson’s – $94.39
Central market – $692.36
Total – $2079.46
dairy deliveries – $53.44
Amazon deliveries – $330.98
QFC – $207.07
Costco – $615.85
Central Market – $332.83
Trader Joe’s – $362.27
Total for December – $1902.44
January so far –
dairy deliveries for the month – $66.80
Amazon – $55.82 and $12.56
restaurant – $110
Central Market – $173.75
Birthday – $212.00
Food – $59.67 + $65.10
Drinks – $3.30 + $21.48
Drugstore – $75
Delivery – $7.92
Total as of January 15 so far – $863.40
So, all in all, we spent in November $2079.46, in December $1902.44, and so far in January – $863.40. Now, as I have said, I haven’t included the food we had on our trip, which was quite pricey, and I may have forgotten a few restaurants and deliveries that we have had should not be over $300 in total for those. So, all in all, I see a tendency for more savings this month of January. We’ll see where we get to at the end of the month, but we have a lot of supplies actually for now, as far as non-perishables go – all of these bills include both food and any other household groceries we buy – a lot of things that I call consumables – we have to use those products, and this is almost like a constant cost for us – I am not sure how we can save money on things like toilet paper and such.
Research on Food and Grocery Budgets
Today I have actually done a bit of research, and found that a typical expense on food and groceries for a family of 5 of our size and age group according to USDA right now is $1492.80 just for food if you are liberal with your spending. If you are on a thrifty plan, a family of our size could live on $767.80 spending on just food per month. Now, my expenses also include other groceries as I have said, so we could probably allow about $300 or so per month on those.
Analysis of our spending
I have already pointed out our issues these few months – birthday celebrations and holidays have really added up to our budgeting. We have overspent considerably every month, even compared with the most liberal spending plans.
One big ticket item in our expenses are diapers. While they are consumables, and we cannot really substitute them with anything else, I am hoping that our baby is going to potty train completely soon enough, and we will start saving some money in this area of expenses.
Where we have been more successful – we are trying to go less on large shopping trips not to overbuy. Often times, on the weekends, we ended up going shopping, and then ultimately eating out because we’d be stuck in the mall areas, and have to eat there. We are actually doing this less now, and are eating more at home. I feel that we have been avoiding going out at least once a week for the last few months.
One other change that will considerably impact our budgets is that my daughter is no longer going to her classes in downtown. We used to go with the whole family every weekend for her class, and every time ended up eating our lunch out, which is so expensive in the downtown area even though we would always eat in the food court. We would also often end up going to museums in the downtown area, buying souvenirs or tickets to places. Because we are not doing any classes in the next few months for her, as the classes have been cancelled, I think we will feel a lot of savings on those lunches and other expenses as well, looking forward.
Planning for the year and this month in particular
What else can I plan for the next little while? I feel that we can easily stay under $2000 every month for all of the expenses. Now the question is – could we try harder and have even lower expenses?
I have difficulties now distinguishing what exactly is being spent on what – where the expenses go – whether on food, restaurants, or consumables. I am hoping to be able to take note of my expenses in the next month a bit better hopefully, and track better what is spent on the consumables, and what is spent on food and restaurants. This is a big task for me, not that I am lazy, but I find it to be difficult to track everything just perfectly, but I will try. Will not give you my word, but I will try my best.
I want to try to track down what happens with the food that we buy, how it is turning over from the receipt to my meals, and how much my meals actually cost me when I cook them from scratch.
Here is what I want to do – in the month of January I want to spend in total $1500 on my food expenses and then $350 on my consumables. I am giving myself a generous amount here, even more than USDA has calculated for the most generous liberal spending plan, and I am still going to have the total of $1850 as my budget for the month, so I am not going to stretch myself too thin, but at the same time, I want to track what I am doing.
What I find to be true is that even if my spending is not capped very strictly, if I am simply tracking my spending carefully, I already see some progress, and do usually try harder to try to meet my goals. This is the same, I think, that works for people who are trying to lose weight – if they track what they eat exactly, even if they do not really try very hard to eat that much less, I think the act of tracking itself helps to see exactly what you are eating, and keep that under control a little better.
We’ll see where we will be at the end of the month, and I will do my best to track my spending, as much as I am able to.
I know that if you are reading this post you are probably struggling with your bills and are looking to see some ideas and advice on how to tackle the planning better. I would love to help you out by offering a giveaway for $100 + worth in coupons – hoping that you can save some money in the next little while with these if you win! These coupons are for food, groceries and health products, as well as pets and beauty products. I will send you your envelope with the coupons if you are picked as the giveaway winner by the giveaway widget, and you will need to provide your US residential address. No returns, substitutions, or refunds will be provided once the coupons are shipped to you.
Today’s craft posts are actually a lot about activities for your coming up Valentine’s Day celebrations, as well as lots of budgeting and meal planning tips – how can you live on a small budget for family eating – I need this advice badly, my budgets are not coming together very well.
DIY Valentine’s Day Mason Jars I love giving handmade gifts. They are so much more personal! These DIY Valentine’s Day Mason Jars are great to give to friends, teachers or neighbors. The best part? They cost under $5 to make and can be finished in less than 15 minutes! So what do you need to get started? Mason jars and lids of assorted sizes, (I picked mine up at the $1 spot at Target) Spray paint, I chose Red, but Pink would be fun too! ($1.49 at Walmart) A fat quarter of Valentine’s Day themed fabric. (97 cents at WalMart)
Marketplace for handmade, vintage, crafts and supplies
Love artwork, but hate spending money on it? Make your own! You’ll love making this printable watercolor map. It’s so easy! Adding artwork to your house can add up fast! Good art isn’t cheap. The art that
Knowing how to clean your own air ducts can save you a lot of money, as the businesses who perform this service charge a small fortune to do it for you. Now, you should know up front that the EPA finds no evidence to support that dirty air ducts are making you sick unless they’re clogged, infested w
A bedroom is never truly complete until the headboard is in place. Often the focal point of the room, retailers ask big bucks for this single piece of furniture. But don’t bother turning your pockets inside out for this statement piece just yet. Here at BHG we like to save a dollar where we can, […]
All too often we focus on cutting out the little things (like a daily cappuccino), when we should really focus
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This is a sponsored post written by me on behalf of TeeChip.Com. All opinions are 100% mine.
I have always wanted to start selling my own merchandise online, and I have seen websites that sell merchandise, but I have always been under the impression that this is a complex process that requires investment of money into inventory, complicated process of design, decisions, actions where you would need to be sure that you can sell tons of inventory before starting with that money and time investment. I was pleasantly surprised to find TeeChip which is a company that helps you raise money and sell merchandise by setting up printing your design on custom made t-shirts and other products like drinkware and phone cases.
I could not be further from the reality thinking about initial outlays of money and huge time commitment to setup the selling process! Teechip takes care of everything for you! All you need is your design that you want on the T-shirt. Now that part depends on how fast you can come up with ideas and implement your design, and does require a bit of initial setup in terms of time, but honestly, if you know how to use basic design software, you could probably come up with a design in minutes.
For the sake of an experiment, I decided to test out my design that I created for an earlier post, and it took me less than 5 minutes to set up a campaign to sell my products – this is almost unbelievable in my opinion! The price per T-shirt is very affordable, and that means that it is possible to earn a substantial amount of money through this website by selling merchandise like custom made mugs, high-quality t-shirts – who wouldn’t like to have affordable prices and still make a good profit?
I am impressed how easy it is to make money online right now. If you are setting up a fundraiser for your cause, you probably already have the graphics available that you would like to have printed, and this is amazing that you can set up the whole campaign in minutes. This makes it so easy to actually not have to spend money on this side project, and entrust the delivery and processing to Teechip – this company has been in business for years now, and has accumulated an amazing track record of fantastic reviews – everyone loves their products, and you can see that on a third-party review site https://www.trustpilot.com/review/teechip.com
As I was setting up a test campaign for a shirt, I checked out a competitor selling a similar product, and there was about $14 price difference. I can vary my price point on Teechip website which allows me to change the ending profit. I can set up the price that I want to sell the product at, and the system shows me immediately what the cost per item is, and what profit I can make, so depending on the goals of the campaign I am able to sell for a higher or a lower price rate.
I love how Teechip has also started an initiative to help NGOs by donating the excess products, so if you are an NGO representative and are looking for various clothing items like hoodies, you are welcome to check out their website at http://www.teechipcares.com/ to find out more about the company itself, and this initiative.