Paint, Debt and Getting Things Finished

paintingRedecorating your home can be more than your budget can cope with but by using paint and a dollop of flair you can sparkle up a tired room without spending what you can’t afford. Usually however so much opposition gets in the way of just redecorating that it’s worth a look at how that can happen and what is needed to overcome the counteraction.

Today the temptation to spend excessively is encouraged by every avenue imaginable and you can easily think that to be successful you have to have loads of furniture/appliances and other paraphernalia plus the sleep-eroding debt-worries that go with it. A sensible approach is required to guide your through the morass of living on credit with your salary used to pay off debt. By forward planning, careful budgeting and a willingness to live in the moment you will achieve a comfortable way of life and not be crushed with repayments for folly purchases. If you are constantly racing through today to get to tomorrow, next week or “somewhere else” because that’s where you think the solution is, then take a deep breath and reconsider.

Once a plan is in place, its systematic execution is what obtains the end product. If you have despaired of ever being able to purchase those Louis XIV chairs or Persian carpets for the front hall, then used that as the reason why you live in a drab home then you’re in danger of becoming the effect of your own inabilities. You may never be able to afford antiques, but you most certainly do not need to feel you can’t win.

Getting over that first hurdle of realising you’re not as wealthy as Croesus then recovering from the shock that you may never be, no matter how long you slave, will take some time. However once that’s done you can again revisit the problem of how to improve your home. It would be wonderful to twitch your nose and “ping” there stands the newly painted walls. However practical application is the only way to get it really done.

Painting walls is cheap, can totally rejuvenate a space and doesn’t need vast technical knowledge. The variety of paint techniques which one can use is endless and every single creative jolt of juice you have in your body can be expended in their composition. The colour scheme you choose depends on how brave you are. So many people are dying to try tangerine or plum, but they are so bound by what the family/friends/parents will say that they’re frightened back into ivory and mushroom and mute tones. These do go of course, but homes tend to be awash by these safe colours.

Experimenting with colour can be a disaster, but humans tend to learn from their “oopses” and unless you step off the cliff occasionally, how else will you find out if what you thought was perfect, was? Yes, it would be wonderful to hire a terribly learned colour coordinator who has spent years studying the colour wheel and knows which reds go, but your budget wouldn’t stand it so you’d still have a drab room. Spending time wishing you had what you can’t afford doesn’t solve the problem it just makes you miserable which then has you reaching for the ice-cream tub and your hips definitely know you can’t afford that.

Some Ways to Save Money at the Grocery Store

bag-groceryWith grocery prices on the rise it has never been more important for families to save money where they can. The prices of many basic staples have risen sharply in recent years, and that has left many people struggling to serve their families the nutritious meals they need.

Fortunately there are some relatively easy and painless steps families can take to trim their food budgets significantly without sacrificing either quality or nutrition. By changing the ways they plan and shop, smart consumers can save hundreds of dollars a month while still preparing tasty meals for those they love.

Build Your Recipes Around the Weekly Sales

One of the most effective cost savings strategies is to build the weekly recipes around what is on special at the store. This strategy allows shoppers to stock u p on products at a great price while significantly shrinking the cost of each meal.

Just about every grocery store features weekly specials, and stores frequently compete with one another to offer the lowest possible prices on the products shoppers buy most often.. In some cases stores use these weekly bargains as loss leaders – luring shoppers through the doors in hopes that they will purchase more expensive products with higher margins In other cases stores use these discounts to reward loyal shoppers who participate in the store’s loyalty card programs No matter what the reason for the sale, savvy shoppers can use these specials to create some great recipes.

Just consider one example to illustrate the point. Imagine the local grocery store is running a killer special on pasta, pasta sauce and fresh sausage. The smart shopper can use these great prices to build a week’s worth of delicious meals. The week may start with a great meal of fresh spaghetti and pasta sauce garnished with some delicious sausage. That leftover spaghetti can then be paired with a great sausage casserole or a delicious rice and pasta creation. Sausage sandwiches topped with a delicious homemade sauce can provide some great snacks, weekend meals or meals on the run. No matter what the combination those weekly store specials can be used to create some great meals for a very affordable price. Cooking extra meals and freezing them for later can make the savings stretch even further.

Consider Off-Price Grocery Stores

While store specials are a great way to build some delicious meals and save some serious dough, those specials don’t always come when they are needed. Many traditional grocery stores have started marking up their shelf prices to make their sales look better, and that means that the items not on sale can be quite costly. To combat these types of practices many smart shoppers are looking to off-price grocery stores and generic items to fill the gap.

3 Ways to Have a Romantic Valentine’s Day Without Breaking the Bank

flowers-heartValentine’s Day is a day that women love and men dread. Women look forward to being spoiled with romantic gifts and gestures, and men ruefully wonder how much Valentine’s Day will cost this year. Although big presents and expensive dinners can be fun, they aren’t the only way to woo your woman. Here are five great ways to score big points with your lady—without spending big money.

1 – Make Her Dinner

Money isn’t the only thing that counts as romantic for women. Thought and time are at least as important. Lovingly making a Valentine’s Day dinner for your wife is a wonderful way to show that you care for her. See if you can make one of her favorite foods If possible, make a recipe that means something special to her. Did she have a special pasta dish on the night of your first date? Rnd the recipe online, and make it. Even if your dinner doesn’t come out especially well, she’ll appreciate your effort, and she’ll still think. it’s romantic.

2 – Create an Ambiance

Presentation is a key part of romance, and it’s a must on Valentine’s Day. There might be just as much chocolate in a king-sized Crunch bar as in a heart-shaped box of carefully arranged sweets, but one of them is going to wow your wife, and the other one isn’t. So, whatever you do, make it special.

Make an extra effort to get dressed up. If you know where the good tablecloth is, use it. Put silky sheets on the bed. Buy a couple of candles—they’re cheap, and they automatically create a romantic setting. If you really want to go the extra mile, buy rose petals at a local flower store and spread them around the dining room or bedroom. These simple touches can make all the difference in the world for a woman. They can change a normal dinner into an elegant Valentine’s Day celebration, and they can change everyday sex into breathtaking, romantic lovemaking.

3 – Write Her Something

valentine’s Day is-the perfect day to write something for your wife. It doesn’t matter if you’re good at it or not—she’ll appreciate it anyway. Women appreciate it when their men are willing to bare their souls, when they’re willing to take a risk. Writing something for your wife shows that you care for her and that you trust her enough to let yourself be vulnerable.

If the words are beautiful, your wife will appreciate them. If they’re not, she’ll appreciate the sentiment behind them. Your writing will be romantic whether it’s good or not. You can’t lose, as long as you’re sincere. Love letters are always in style on Valentine’s Day, and love poems are too. If you want, you can also write down some memories of when you met, or of some other important moment from your past.

In your writing, try to be as specific as possible. Your woman would probably enjoy hearing that she looks nice, but she’d love it if you told her that you’re crazy about the way her hair cuds when it reaches her shoulders, or how sexy the soft skin at the small other back is In general, the more specific details you include, the more romantic it will be.