1881 posts Posts by Jayne

Loving Liverpool After Lockdown

If you’ve read this blog before, you’ll probably know that as a family, we’re big fans of Liverpool. Obviously, the main love is Liverpool FC, but we’re also in love with the actual city of Liverpool and the people who live there. Husband and I often joke that we’d feel way more at home in Liverpool because of the politics and attitudes of the people up there and we’ve even sat and trawled through Rightmove, fantasising about a move to the North West where housing costs are so much more affordable.

Travelling right now is out of the question (we’ve barely left the house since this time last year!) and we certainly won’t be going anywhere until it’s totally safe. We can’t wait for lockdown to end so that we can visit our spiritual home again, and this in mind, I thought I’d put together a little list of some of the places that we’re planning to go:

Anfield

Anfield Stadium, Home of Liverpool FCI mean, come on, this one was a no-brainer, right?! Husband has been to Anfield to watch Liverpool play many times but I’ve only been once and I was pregnant with BB at the time, so I’d love for us to go back as a foursome and watch a match. There is NOTHING in the world like the sound of The Kop singing You’ll Never Walk Alone to make the hairs on the back of your neck stand up.

World Museum Liverpool

World Museum Liverpool

The World Museum Liverpool is the oldest of all of the museums and galleries in Liverpool and is famous for its great collections, its history of innovation and the family-friendly experience that it offers. From science demonstrations to a packed aquarium, this is something that all four of us would absolutely love.

Mersey Ferries

Mersey Ferries LiverpoolHave you even been to Liverpool if you haven’t taken a ferry ‘cross the Mersey?! Aside from the fact that the boast themselves look like something that Paul McCartney saw in an LSD-fuelled dream, the Mersey Ferries have been an iconic way to see the shores of Liverpool for decades. Plus, with an adult return fare costing less than £4, it’s a cheap and cheerful way to kill a couple of hours in the City.

Knowsley Safari

Knowsley Safari LiverpoolI’ve gotta admit, as a family we’re suckers for a zoo or safari park and being in lockdown has made us really miss visiting this sort of attraction. As well as the car safari, which has wolves, tigers, giraffes and more, there’s a foot safari section of the park which is more like walking around a zoo, so you get the best of both worlds. I know for a fact that we could lose a whole day wandering around somewhere like this!

That’s the list so far! Have you been to Liverpool? What was your favourite thing to do there? Do leave me a comment with any recommedations below, I’d love to hear from you. In collaboration with Hotels.com, but all views are my own.

LoveLox Personalised Locket Review

Beautifully presented personalised lockets. Here in the Mum’s the Word house, we’re huge fans of  personalised gifts. In the past, we’ve made mugs, photo books, canvas prints and even chocolates with special messages on them! That’s why, when LoveLox Lockets got in touch and asked if I’d like to review a personalised locket, I knew I couldn’t refuse.

LoveLox is a London-based company with one goal – providing beautiful bespoke jewellery which is unique to everyone who buys one. There’s a huge range of options to choose from in terms of your finish and engraving, and each locket is engraved, assembled and packaged here in the UK.

The beauty of the personalised locket is that, unlike old fashioned lockets where you have to try to find a TINY photo and cut it out to put it in the locket yourself, LoveLox use a lab quality printer and professional grade glossy paper to place the image directly into each locket before they send it to you. Aside from making the whole process about a million times easier than doing it yourself, it looks about a million times better, too!

personalised lockets on the LoveLox creator

The actual process of creating your locket online couldn’t be easier. Simply choose the images you want to use and upload them to the website. You can move the photos around and crop them as you need to, to make sure they’re displayed perfectly. This is where you can add your engraving, with choices of fonts and letter sizing allowing you to get it just right. There’s also the option to choose a 16-18 inch necklace or a slightly longer one which is 20-24 inches – I went for the latter because I’ve got a fat neck and standard necklaces end to look like chokers on me!

Once the order was placed, delivery took less than a week, and there’s even an option for two-day delivery for just a few quid extra, making this ideal for even the scattiest of brains if you need a gift for a special occasion! The lockets are beautifully packaged, too, so you could happily send one directly to the recipient, safe in the knowledge that it will turn up looking perfectly gift-worthy and gorgeous.

My personalised locketI’m absolutely delighted with the quality of my personalised locket – the images may be small but they’re lovely and clear and the engraving looks top-notch. I wear it constantly, even when I’m just at home, as I love the feeling of having it close to me. As you can see from the images above, I’ve got one picture of Husband with Chuck and one image of Husband with Maureen and the engraving says “Goodest Ones” (absolute pigeon, I’m aware, but we used to tell Chuck that he wasn’t just a good boy, he was the “goodest boy” and it’s something that just stuck).

If you’re looking for a last minute Mother’s Day gift, birthday pressie or just something to show someone how much they mean to you, I highly recommend LoveLox. I couldn’t be happier with my beautiful locket and it’s something that I know will last a long time. The personalisation makes it so special and I can’t imagine anyone receiving one as a gift not loving it.

Head over to the LoveLox lockets page to see all of the different options available.

(I was gifted a locket for the purposes of my review but all opinions are genuine)

Ways to Increase Your Income

Photo by Jp Valery on Unsplash

If you are like most people, finding a way to increase your income could be life-changing. A little extra cash each month can help you pay down debt, save up for a major purchase, or help become financially independent. From learning to invest, starting a side hustle, or finding other ways to increase your income, you need to decide what the best route is for you.

Go Back to School

Furthering your education is not an easy way to make more money, but it can help you transition to a different position within your career or switch to a new profession. Earning a bachelor’s degree can open up new career doors to you. Going back to school to earn a master’s or doctorate may be able to help you advance in your chosen career. You should always do your research to make sure that the money you invest in your education will come back to you in the form of increased salary and opportunities.

Another way some people increase their income is through a side hustle. This will take some effort to get set up, but eventually, it could really pay off. Things like blogs, influencer marketing, and YouTube channels are all ways people choose to pursue extra income. Some of these options may even lead to passive income streams eventually.

Side Hustles

You can also look into other ways to start a side business. Tangible products can be sold on e-commerce websites and shipped all over the world. You can also try out a freelance writing service or start a photography business. The choices are as endless as your interests.

Employee Benefits

Your current job may also be able to help you open up some more money in your monthly budget. Look into it and see if there are employee benefits that will help you save money. Things like an FSA account or 401(k) can help you lower the amount of taxed income and help you save money for retirement.

Speaking of employee benefits, you can also modify the amount of taxes that are withheld from your paycheck each month. This will help increase your income as quickly as the next paycheck. You will still have to pay taxes at the end of the year, so this is really only a short-term solution to a cash flow issue. NewLogbookLoans.com is another short-term solution that you can consider if you need money quickly.

Advancements at Work

You can also look for advancements in your work. Asking for a raise or promotion is another way you can see an increase in your income. If you have been at your job for over a year and have a record of being a reliable and dependable employee, then you should be able to get a raise. If you notice open positions at your company, you should consider applying. If you are actively seeking out ways to advance at your job, then you will be more likely to move up the ladder.

Mama, Here’s How To Look Less Tired!

Oh, Mama, that baby of yours is doing a number on you! Whether your child is a newborn and waking every two hours, or you have an older child that you’re worried about and they are keeping you up, the exhaustion is real. It’s also important to note that you don’t have to be missing out on sleep to feel tired. As a parent, it’s likely that you’re going to be rushed off your feet attending to the needs of others all day long, which means you’re not attending to your own needs.

Psst – we’ll let you in on a little secret: it’s absolutely fine to look after yourself. It’s okay to check out the makeup counter and the amazing invention called a hairbrush, and while you’re at it, you may be shocked to discover that there are a range of products for dark circles around the eyes. You deserve to look and feel your best, and one of the first things that you should do is to work on looking less tired so that you can feel great about yourself. So, let’s take a look at a few things that you could be doing.

Woman Getting a Facial Treatment

Image source: Pexels

  • Exfoliate. As part of your nightly skincare routine, you should consider exfoliating your face. There are plenty of facial scrubs out there that are safe for your skin, and you can get some in-depth cleansing going on! Effective cleaning of the skin is a must if you want to get that glow that makes you look brighter and feel lighter!
  • Depuff. Your skin should be smooth and relatively tight, and swollen bags under the eyes can make you feel like you look exhausted. There are plenty of eye treatment masks out there that will help you to bring the swelling in your skin down and hydrate the eyes at the same time. Keep the masks in the refrigerator to help you to keep them cold. Cold masks and patches for the eyes are going to help you to reduce skin swelling – which is exactly what you need to feel like you look less tired.
  • Treat Yourself. When was the last time you had a facial? Facials can be used to hydrate your skin and make your skin look brighter. They can also exfoliate and cleanse your skin on another level, leaving your skin moisturized. Treating yourself to a facial also gives you the chance to relax a little and take the time to rest – which doesn’t happen all that often as a mother! Treating yourself to a brand new skincare regimen should start with a little cleansing. You won’t regret it.
  • Massage. Speaking of treating yourself, massage for sluggish circulation is going to help you with the puffiness and exhausted skin. There are great massage options out there that will make you feel invigorated and able to take on the world. A day in the life of kids is so much easier when you feel good. Give your skin a little love!

How to Earn Money Investing

Image Credit

The global economy is changing rapidly with so much uncertainty around industries and political decisions. This is good news for traders who know how to leverage the markets to earn profit. If you’ve thought about trading now is a good time to get involved, however, make sure you go into it with your eyes open. If you want to earn a realistic income with trading and curtail your losses then read on. 

EDUCATION IS KEY

If earning money from trading sounds a bit inaccessible for you there’s a reason for that. The fact is that trading can be confusing until you understand the nuts and bolts of it. However, when you know the basics, it opens doors. 

First things first, don’t trade any of your money or start registering for a trading account until you’ve watched some online videos, read some articles, and played around with a practice account. These measures ensure you have the education to make responsible trades.

SET FUNDS ASIDE 

Investing is also a form of gambling, even though it gives a different impression. When you place a trade you are making a guess about the direction of the market. You might be right and you might be wrong. 

When you get into trading you need to be aware of the risks involved. You may lose some of your money. To mitigate this you should decide how much you are willing to lose and set stop losses on your accounts. 

SET TIME ASIDE 

The other thing you will need to trade effectively is a lot of time. Trading is also known as ‘day trading’ and not for nothing. Traders tend to watch the markets moment to money and make spontaneous decisions about the movement of the market. 

You will need time to do this yourself if you want to earn an income investing in the markets. It may not suit some people but if you have some time in your life to check your platform regularly it should still be possible to trade. 

START SMALL

You might have heard about an excellent trading opportunity, perhaps online or for a promotion. No doubt it will offer huge returns on large investments. This may be viable but be sensible about your money – it’s not advisable to invest large sums if you’re unsure about trading. 

The way to start trading and earn a realistic income is to start small and learn from the ground up. Begin with a practice account and teach yourself the ropes, then you understand better what risks to take with your money. 

STAY REALISTIC 

Most people get into trading on the promise of big wins and easy money. The reality is that trading requires time, skill, and attention to be successful. If you don’t have these attributes there’s a strong possibility of getting stung and losing money. 

Conversely, if you’re willing to invest some of your time and resources into learning trading and you’re realistic about it, it can be a very viable source of income. Remember to start small and do your homework. 

Growing Your Online Business Overseas

One of the easiest ways to take your business to the next level is to find a brand new market that you can start to grow it in. You might be able to find that market domestically by appealing to new demographics, for instance, but the most common way of doing it is to expand your business overseas. However, if you want to make sure you acclimate as best as possible, you want to try and grow it naturally, rather than simply exporting what you’re already doing.

Growing Your Online Business Overseas

Link – CC0 License

Set it up separately

There are undeniably organizational benefits to running an existing business overseas. However, ensuring that your business follows two sets of regulations, handles tax duties appropriately, and otherwise operates smoothly in two different countries can be difficult. It might instead be easier to start your business abroad from scratch, adapting what you need to without needing to change how you run your existing business. It might take a little more time to raise the capital but it allows you to be more flexible on both fronts.

Separate your finances

Just as you should make sure you have separate business and personal bank accounts, you should separate your finances between the countries that you do business in, as well. There are plenty of services that can help you set up an international bank account and make it easier for you to transfer money from one to the other. Just be sure to keep records of every transaction between your different accounts as, when it comes to overseas transfers, the taxman can be particularly skeptical and you want to make sure you have all the evidence of good behavior you need.

Get to know the country

Simply put, there may be barriers that you have yet to consider when it comes to running a business in one country compared to the other. They could be two different markets, with different competitors and norms for how the industry works. You also need to be wary of differences in business etiquette, marketing message, and even political climate and property rights. Some countries could be risky to start a business in depending on what party gets in charge, as has happened many times.

Are you ready to handle it all?

If it’s a relatively small business, then running two at the same time, or at least running one in two countries, might not be all that difficult compared to what you usually do. However, if you have your hands full with just one, then you might need to consider how hands-on you can actually be. It might benefit you to develop good working relationships with a managerial team that is native to the country that you’re expanding to. Not only can it help you delegate, but it can also give you an advantage in avoiding some international relations snafus.

Taking your business overseas isn’t always easy. For that reason, finding the organic approach to grow it in a new market can help you find your feet and, more importantly, avoid some red tape.

Matching Your Contact Lenses To Your Face

https://unsplash.com/photos/UbJMy92p8wk 

If you need to wear contact lenses then this presents you with the opportunity to ‘change’ the colour of your eyes via wearing coloured lenses. This is something which is highly recommended. After all, if you need to wear them anyway and you want to enhance your look, then why not? 

There are so many different ways that people can change their look today, and wearing coloured contact lenses is just one of them. Of course, an obvious option that a lot of people make the most of is changing their hairstyle. We’re also seeing more and more people turn to different beauty treatments, such as having a facelift. After all, when we get older, we can become frustrated with fine lines and sagging skin. A facelift can be the perfect solution to this, helping your skin to become tighter and smoother so that you look younger and more radiant.

You wouldn’t rush into a procedure like that without considering your options carefully, and this approach should be applied no matter what change you’re deciding to go for. Wearing coloured contacts presents a simple and easy way to alter your appearance, yet it is still something that needs to be considered with care.

When purchasing colour contact lenses it is important that you think very carefully before making your decision. First and foremost, you need to ensure that the lenses you buy are of high quality and are suited to your eyes. Some of the most popular contact lenses include Focus Dailies All Day Comfort, 1-Day Acuvue Moist and Freshlook Colourblends. 

Once you are assured of quality, you then need to make sure that you select lenses which match your face. Therefore, use the following tips in order to match coloured contact lenses to your face effectively…

1) Match your contact lenses to your skin tone

The first thing you need to do is decipher what your skin tone is. The best way to determine what your skin tone is, is to simply take a look at your forearms and decide whether your veins or more blue or green in colour. If it is the former then you have cool skin, if your veins are more green then you have a warm skin tone. So what does this mean for your contact lenses choice? If you have a cool skin tone then you are better off going for blue, grey, jade and green colours. On the other hand, if you have a warm skin tone then you are better off going with chestnut, copper, honey or hazelnut coloured lenses.

2) Use Photoshop

If you have an idea in your mind of the coloured contact lenses you really want to use then you should use Photoshop to see if they would suit you. Simply upload a picture of yourself and change the eye colour in order to get a better idea. There are also different programs that are similar to Photoshop that enable you to play around with different eye colours and hairstyles so you may want to consider using one of these if you do not have any experience with Photoshop. 

3) Match your contact lenses to your hair colour

When it comes to matching your contact lenses’ colour to your hair there are two ways you can look at it. If you have very light blond hair or black hair then you should go for a colour which is vivid and will make your eyes pop, such as blue. However, if your hair falls in between these colours then seek something which is in keeping with the shade of your hair e.g. if your hair is a chestnut colour then go for chestnut contact lenses.

4) Ask an expert

Professionals are there to give you an honest opinion. If the eye-care professional in question doesn’t think the coloured contacts are a good look, then he or she will tell you and point you in the direction of what you should be looking for.

5) Enhance what you’ve already got

When it comes to coloured contact lenses you don’t have to dramatically or drastically change your eye colour. Instead, you can simply enhance or brighten your natural eye colour. This is something which looks simply stunning and is one of the most popular options.

6) Stay true to your style

It is important to purchase coloured contact lenses which mirror who you are and your taste in fashion. If you like bold fashion pieces and like to stand out from the crowd then go for violet lenses or an emerald green colour. It is possible to get contact lenses in so many different colours today, so you can be sure that you will be able to find something that is right for your personality. 

7) Ask for a trial

A lot of companies will allow you a trial period whereby you can send back the contact lenses if you are not happy. Not only does this help you to decide whether you like the colour or not, but it also allows you to check out the quality.

8) Think about the makeup you wear

If you are experimental with your makeup then you will be able to change the way you apply it in order to suit the coloured contact lenses you purchase. However, if you have a distinct makeup style then you need to bear that in mind when searching for the best lenses.

If you consider the eight tips mentioned in this blog post and buy quality contact lenses, then you will have no trouble finding the best lenses for you. Wearing contact lenses for the first time can be a bit daunting. However, if you take the time to consider your options with care and you make sure the company provides high-quality lenses, you will have nothing to worry about. Why not take a look on Instagram and other platforms like this to see if there are any images of others wearing the contact lenses you’re considering?

It Is Time to Set Clear Financial Goals

Before you get started on planning your financial goals, it is a great idea to check out one of the previous posts on debt if that is a specific area you wish to tackle:

Dead Set on Resetting Your Debt – it has great times for managing your debt correctly.

It is just as important to set financial goals for your business as it is to set them for the rest of the areas of your life.

Each person will have some financial goals that are personal to them. They might be because you want to save up for a particular thing, or it could be how you can begging to live a more comfortable life.

No matter what your financial goals are, it is important that you set them with the intention of making them a priority. From Forex trading to automatic saving. Every action you take has an impact on your goals. So make them count.

Photo by Lena Kudryavtseva on Unsplash

What are ‘financial goals for your business’?

Even if you are at the start of your business journey, you will need to have a plan to grow forward. You can use your mission statement and vision as a guide for the steps you will need to take.

Here are some examples of small business goals that you might consider:

Decreasing overheads and general costs

You might be using multiple online tools and platforms – but do you need them all? Make a note of all of your overheads and look to see where you can cut back. Decreasing your general costs will aid in the next steps.

Increase revenue

A decrease in your overheads will automatically see more money put back in the kitty. However, to truly increase your revenue you might want to consider how you can see a bigger profit.

It is key that you set solid numbered goals here.

Vague = to increase my revenue this year.

Solid = to increase my revenue by in the first two quarters and then even more for the last two quarters.

Ideal = to increase my revenue by $250 dollars a week for the next 6 months, and then by $500 for the following 6 months.

It is important to remember that your financial goals can be much more or much less than this. Be specific.

Cashflow planning

If you are still guessing your income and outgoing, and then checking your bank at the end of the month you are doing yourself a disservice. You should be the king, queen, and master of your cash flow.

Make it a priority to sit down and look at your income and outgoings correctly.

If a cashflow just makes you shudder at the thought, then check out the following:

How to make a cashflow forecast

And you can even get some great templates on Microsoft Office (for free) too: Check out these cashflow templates.

Running a business isn’t just about doing what you love, although that should be the biggest part. It is also having firm goals that can help your business grow, and you to prosper too.

A Guide To Finding The Best Dirt Bike Parts On The Web

A guide to finding the best dirt bike parts on the webIf you own a dirt bike, you have to maintain it often to maintain its potential on the tracks. When most riders are shopping for dirt bike parts, they will go to the internet.

The internet is the home of many businesses nowadays. So, with a simple search, you’ll find numerous results for you to choose. And that, for most riders who are still looking for a reputable dirt bike repair such as tokyomods.com, can be confusing.

So, how do you select among the different options you find on the internet? Read on further to find some of the things that should be at the back of your mind when doing so.

Finding reputable sellers online

The first thing we recommend to most buyers is to check out different online sellers. It can be quite cumbersome. Nonetheless, it comes with its fair share of advantages.

For instance, you get to know the price range of the different parts you’ll require from the seller, and you’ll know how they operate. Other than that, you’ll be able to different all these businesses, both their strengths and limitations.

If you are wondering how to know whether a seller is reputable or not, the best thing is to check different reviews. Get to know some of the reputable brands that sell quality dirt bike parts. Examine the company’s web presence, including their social media accounts and website. Established brands will ensure that their website is easy to use and displays some of the products you need.

You can also ask your friends. If they have previous experiences with a prospective company, you should ask them about their services and experiences.

Check out the best price for you

As you research, you will find out that every brand on the web prices their products differently. Some might seem costlier than others might.

If you want to save money, you’ll obviously go for the brand that offers affordable prices for services and products. But we have to draw a little bit. Sometimes cheap products can be expensive. If they are not of good quality, you’ll keep changing them all the time.

Therefore, the catch here is finding accessories that fit your needs. If they are durable, then it shouldn’t matter whether they are expensive or cheap. Furthermore, who doesn’t want their dirt bike to operate like a beast?

Go for a long-term relationship

You’ll need to constantly replace worn-out moving parts, the engines, the brakes, and any other parts. Thus, instead of buying from one seller this time, and buying from the other the next time, look for one seller to provide the parts whenever you need them.

Building such a relationship comes with several advantages. Other than having the assurance that you’ll get quality accessories and parts, you can get discounts. Businesses will offer discounts to loyal customers.

You can also consult them in case of an issue. And sometimes, if you are a good customer, they can offer that consultation without charging you.

How they deliver the goods to you

If you choose to purchase from a company that’s far from your location, you need to know how they’ll get the parts to you. Some sellers normally give discounts or offer free shipping if you shop for items. That means you save money when you buy more items.

Besides this, the other important thing is to know how long it will take for the order to arrive at you. Reputable brands will do everything they can to ensure that the package arrives safe and as soon as possible.

And as you check this, also get to know the company’s return policy. Some will allow you to return damaged parts, while others will give a limit on when a refund is viable.

A safe payment

Once you decide on the best seller to work with, the other thing that needs to be on your mind is to offer a secure payment system.

You might have this problem if the seller is reputable, but you may have to scrutinize it efficiently if you are working with a new company.

Additionally, the payment system should favor you as the buyer, regardless of whether the system they use is ‘pay upon delivery’ or ‘pay before delivery.’

Final Thoughts

When looking for a reputable seller, take your time. It’s another way of saving money. Ensure that the seller you opt for has enough experience in this field to ensure that they provide their materials you need for your bike riding.

Fun Ideas for Renovating Your Child’s Bedroom

Traditionally, kids’ bedrooms have been decorated blue for a boy and pink for a girl. But what if you want to move away from gender stereotypes and go for more adventurous décor inyour child’s bedroom? This opens up a world of opportunity to create something unique and magical.

Here’s some fresh ideas to get the creative juices flowing.

Go for bright, invigorating colours

Bright colours are generally frowned upon in adults’bedrooms, but with kids’ rooms the rules are more relaxed. It’s easy to paint the walls in exciting colours but what aboutadding colour to the ceiling or floor? They’re usually kept in neutral colours, but they don’t have to be.

Paint the ceiling with a starry or cloudy sky or go bold with one vibrant colour.  You’ll need a step ladder and long armed roller to make it easier to paint, but other than that it’s fairly cost effective to do.

Modern vinyl flooring has created the opportunity to addbright colour to the floor, with lots of child-friendly options. For this idea there’ll be vinyl flooring fitting costs, but it shouldn’t be any more expensive that fitting a new carpet.

Use pattern and shapes

The use of pattern and shapes in children’s bedrooms can be particularly effective in creating a new bold style.  Try painting large squares, circles and triangles across the four walls, or thick stripes that stretch the length of the room.  All you’ll need to achieve this look is some contrasting paint colours and a few rolls of masking tape. 

You can easily complement this with stripey or geometric bedding and curtains.

Create a theme from scratch

Creating a theme in a child’s bedroom needn’t be difficult.  You don’t necessarily need to buy a whole set of matching items from a shop to create a theme.  

For example, to create a pirate theme you could paint the room sea blue, hang a large Jolly Roger flag on the wall and paint a toy chest to look like a treasure chest.

Add a playful feature

Kids’ bedrooms are not just a place to sleep, they are often used as a space to play and learn. So why not add a playful feature to enrich your child’s room?

Go big with a bed that looks like a treehouse or install a mini-climbing wall. Or keep it simple with a play-tent, swinging chair or chalkboard wall. Don’t be afraid to think outside the box!