Rants and Raves of a Bum

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We all make mistakes. It is the only way we learn and move forward. However, there are some mistakes that can stop us from progressing later in life, and financial errors definitely fall into this category. If you have failed to manage your money properly in the past, and it is now threatening to ruin your future, here is what you can do about it:

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Pay off your debts one-by-one – Do you still have debts that you need to pay off? If so, it is important to start by tackling these. It can often feel like your debts are never ending, especially when interest is added to them every month. A good way to go about paying off your debts is to start with the biggest one. You should then pay off the minimum amount required on all of your other debts per month. Once you the biggest debt has been paid off, you can then move onto the second biggest, and so on, until you have paid off all of the money you owe.
Make sure all your details are up-to-date – One of the easiest ways to give your credit score a boost is to make sure all of your details are up-to-date, including your date of birth, your current address, and your previous addresses.
Take control of your spending – If you are to ensure a bright financial future, you need to take control of your spending. Most people overspend because they don’t keep track of where their money is going each month. This is one of the biggest mistakes you can make. You should keep a spreadsheet and make sure you input all of your expenditure each month – even if it is a tiny purchase. You will be able to assess your monthly spending so that you can determine where improvements and savings can be made.
Borrow money wisely – Just because you have a poor credit score or a bad history with money, does not mean you shouldn’t borrow money ever again. In fact, borrowing money can be financially savvy, as it can improve your credit rating, so long as you make the repayments on time and only borrow what you need. You should take advantage of lending products that are designed for those with a poor credit rating. There are companies like Zaggor.com that offer phone contracts for people with a poor credit score. This is the perfect example of the sort of borrowing that would be good for you. A phone contract does not represent a massive expense per month, and it is something that you are likely to need. If you make the repayments on time each month, you can boost your credit rating significantly.
Don’t make lots of applications for credit – Finally, while borrowing money can be an effective way to rectify your poor credit score, it is important to go about it correctly. One thing you should never do is make numerous applications for credit in the hope that one will come back to you as approved. This will lower your credit score, as lenders don’t like to see that you have made a large number of credit applications.

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No matter where you are traveling, sometimes you just want to give the beautifying yourself routine a rest. Reasons for that may be of an individual nature, but sometimes this is dictated by the nature of the travel itself – maybe the dynamics of your trip is such that it doesn't allow you much time to dedicate yourself to making yourself look beautiful.

Whatever the reason, this does not mean you have to look ugly. You don't – we are going to present essentials which don't take up too much space in your suitcase, and which don't take too much of your time.

Face mask

A face mask will make you instantly feel refreshed, and it will make your skin look younger and less tired, and that's what you want, especially if the trip you are having is physically strenuous. This product doesn't take up too much space in your suitcase, and it can do wonders. Moreover, they come in various sizes.

Sun cream

Besides the fact that sun cream takes care of your health, it also makes your skin looks more beautiful. We all know that a healthy skin is a beautiful skin and vice versa. With sun cream you will avoid skin damages, dryness, and hardness.

Body oil

Although sun creams take good care of your skin, it doesn't hurt to bring a body oil along just to make sure your skin gets the best treatment. This is especially important if the trip you are taking is a summer trip. It makes your skin look smooth, healthy and shiny.

Lip balm

Lips are a sensitive part of your body and thus need special attention. You can use other products listed here to take care of your lips, but lip balms are specially designed to do this task, so it's advisable to bring it along. It's typically a very small product; you can literally put it in your pocket if your suitcase is too full.

Moisturizer

If you don't want to bring BB cream along, you can always pack up the best collagen moisturizer. Its purpose is to provide hydration to your skin, which will make it look young and fresh. This is very important, because no matter where you travel to and what you do, traveling will suck the hydration from your skin and make it look dry and tired.

Make sure you pack some sort of a moisturizing cream since it's essential for keeping your skin healthy and beautiful.

Essential make –up kit

This one is tricky because it depends on what you consider essential. But there are certain things you can use to make yourself beautiful, which you will be able to apply to your face quickly. Powder, blush, and mascara could be broadly considered as essential because they just enhance your natural look. Have those lashes ready with grandelash-md for a full, amazing lashes. You can also use BB cream instead of a powder, but if you decided to bring a simple moisturizer along, then pack a powder instead.

Face wash

The roughness on your face that typically appears during or after a strenuous trip can be washed away immediately by a face wash. If you are using makeup, a face wash is an absolute must. You can bring a liquid face wash or pack up wipes, but it's important to bring something along.

Manicure Kit

Unlike with skin care, the health of your nails won't be endangered if you don't take care of them for some time, but that will definitely affect their looks. Nails that are not taken care of are really not a pretty sight. Manicure kits don't have to be big; they come in small, travel – friendly packages and can be life savers.

There are, of course, a lot of other things you can put in your suitcase, but these would be essentials for taking care of your looks. They don't take too much space and don't require a lot of time. In return, you will make yourself beautiful and look as if you haven't experienced the stress of traveling at all.

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Even though it is one of the most exciting times in your life, buying a home can also be full of stress. Anyone who has been through this experience will know all too well how stressful it can really be. As it happens, there are certain elements to it which are always particularly stressful, and it is those which we are going to look at today. If you have this situation coming up soon, then it will definitely help to be as prepared for it as possible, and that’s where this article comes in. Here are the parts of buying a home which you are most likely to be dreading - and some simple solutions for making them a lot easier to deal with.

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The Paperwork

If you have ever seen the process of buying a home being done before, you will know that it can take months and months to complete. This is usually because there is a chain of buyers and sellers across a few different properties, and everyone needs to be ready in order for it to go through. For most people, the paperwork is the reason that they are being so slow about it, and this is likely to be something that you experience as well. For someone who has never bought a house before, dealing with the paperwork can be genuinely terrifying, and it is a good idea to try and get acquainted with it as soon as possible to make this part of the process easier. You might also find it helpful to get some professional legal help on board. With a lawyer helping you, you can be sure that it will make a lot more sense.

The Move

Of course, it is no great secret that the move itself is always a big deal. For most people, this is so stressful simply because there is so much to do. You have to empty your home, clean it thoroughly and properly, and get ready to transfer every item you own to your new home. This last part, at least, can be made a lot simpler by simply hiring some professional movers. It’s amazing what a difference two men and a truck can make to the removal process. But you can also get a lot of help with the cleaning aspect of the move, too - and doing so is likely to remove a lot of the stress surrounding this part of the move, making the whole process much easier for everyone.

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The Finances

It’s no great secret that buying a home is going to cost a lot of money - but it is always a source of great stress. In order to make it significantly less stressful, it is definitely worth spending the time finding the best mortgage for you. As long as you have the right mortgage, you will find that you are able to enjoy the whole process much more. It will remove much of the worry and leave you with a great sense of peace about the whole situation.

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