Recovering From The Festive Crunch

Right about now is the time that all your pending transactions will have come out. You’ll realise there’s still another month until you get paid, and your heart will start pounding. But relax, there’s plenty of ways in which you can help your finances recover from the festive crunch. With so long until the next payday, it really is important that you try to do is sooner rather than later. Plans for New Years don’t exactly make this any easier, but we’ve devised a couple of ideas that should help you recover in no time. The main thing is making sure you’re strict with yourself.

Avoid Sales

This is a big issues for men and women alike. The lure of the boxing day sales and New Years day sales are all too much for some people. But to make it even worse, the sales now seem to last for the whole of the Christmas period, it really is a nightmare for serial shopping adicts. If you’ve been given a bit of cash for Christmas, then that’s great, you should go out and treat yourself. But, be careful. Make sure you only take out the cash money that you’ve been given. There’s a lot of people out there that take their whole purse. They’ll spend their Christmas money in on store, then the lure of other stores means the card comes out. Don’t let this be you. Try and think about the rest of the month that you’re trying to get through!

Help Yourself

A lot of us are guilty of overspending at Christmas. A lot of people enjoy watching other people open their presents, rather than actually opening their own. This leads to a lot of cash being splashed. But when Christmas is over and you check your bank account, it can nearly make you have a heart attack. A quick solution to make sure you’re not panicking for the rest of the month is a credit card. They solve a lot of issues, but also create some, so you need to make sure you’re only using them for emergencies. You also need to have a decent credit score to get one. If you don’t, you can check out best credit cards for fair credit. It’ll help to take that edge off the rest of the month. A lot of companies pay a week early as well as they won’t be open during Christmas, but staff still have to wait until the end of Jan for the next pay. This is where a credit card can really come in handy.

Hide Away

You’re no doubt going to have one final blow out for New Years, we all will be. But after that you really need to make sure you hide away if you want to keep your finances looking at least decent. Just for January, chose a movie on the sofa rather than a meal out. Or make a nice home cooked meal rather than that Friday takeaway you love so much. It will take self control, but we’re sure you can do it for one month!

Paper Fortune Cookies for New Year's Eve

New Year's Eve is just a few days away! To make the evening extra fun for the kids, I have been making these cute paper fortune cookies so they can open one on the hour and have fun reading their fortunes to each other!

This is such an easy craft idea!! It can be used for parties, holidays or even as place markers at a dinner party!

All you need is scrapbooking paper
Paper and a Pen

To begin, cut several uniform circles from paper.

Gently fold the paper together, but only make a small crease in the center.

Unfold the circle, placing it so the crease runs from 9 o’clock to 3 o’clock.  Place a small dot of glue at 3 o’clock.

Fold the circle and press the paper onto the glue dot, making a taco shape.

Gently press the crease you made in step 2.  Place a glue dot along the folded side of the taco — alongside the crease.

Gently bring the two ends of the 'taco' together.  Pinch it together so that the glue dot holds the two halves together.

Add a strip of paper with your fortune inside.

You might also like these yummy pizza ideas for New Year's Eve.

5 Tips To Shop Online To Give Your Wardrobe An Upgrade

5 Tips To Shop Online To Give Your Wardrobe An Upgrade

A wardrobe upgrade is something that every man and woman desires every now and then. It can bring freshness to your collection as well as fulfill your urge to keep pace with the latest trends. However, you may skip the temptation as it can be an expensive thing to do. There are ways to shop smart and give your wardrobe an overhaul without digging a hole in the pocket. One idea is to wait till the end of the season sale and replenish the collection with items at lower price tags. But this has a disadvantage that you will get to wear the clothes only in the subsequent season.
The second option is that of online shopping, which is much smarter than the first one. You can get the most amazing deals on the latest stuff of the best brands, all at just a click of the finger. But there are some issues that may come up, such as wrong fits and sometimes, unexpected items being delivered to you. Here are some things to bear in mind while you shop clothing online.
Check the size chart before placing the order
The biggest problem that is part and parcel of online shopping relates to wrong fits. Follow a few rules to ensure that you always shop the right sizes online. Check the size charts that accompany every item showcased on the e-commerce store. It displays the measurements that correspond with each size. Take your measurements and then order the size that matches. It is to be noted that a specific size may vary from brand to brand. So you must take measurements properly instead of taking “one size fit all” approach.
Go through customer reviews
Be a smart shopper and check out the customer reviews before you close the transaction. Since there are no ways you can touch and feel the product physically, it is better to pay a little extra attention to what the other shoppers have to say. A majority of sites have genuine online reviews posted by real customers who have actually bought from them. These can give you a fair idea about the fabric quality, fits, and sizes of garments that you can expect.
Browse more than one site
Another good idea to save while you spend online is to browse through more than one site to compare products and prices. There are hundreds of sites that offer same brands and same clothing but at different prices. Look for price variations, special deals and inaugural discounts to pay less for the same garment. There are other ways you can save money, such as visiting coupon sites. For instance, you can check out these House of Fraser discount codes to help you  save money on your next fashion item.

Leave items in the shopping cart
While discount coupons and deals make one smart way to save money, you can do the same by leaving the items in the shopping cart for the next time. That is if you are okay with the idea of waiting for a few days! Most sites use the shopping history and preferences of the prospective shoppers and get back with special discounts to entice them to complete the purchase. Wouldn’t it be great to get the same dress you left a few days ago at an unexpectedly lower price!
Have a look at their return policy
Fashion shopping is more like hit and trial. So there is always a chance that an outfit may not fit well or you may simply not like it. For this reason, online shoppers should always follow the rule of checking out the return/exchange policy just in case. Go through it thoroughly and ensure that you will not be changed anything in the name of shipping on returns. Check the validity period and return/exchange rules. Ensure that you follow them so that you can return or exchange the products in a hassle-free manner.
The advent of e-commerce technologies has revolutionized online shopping completely today. A number of websites and mobile apps use technologies like virtual reality and augmented reality to provide virtual fits. This enables shoppers to try the garments virtually and see how they would actually look on them. Similarly, there are chatbots that use artificial intelligence to guide you with better purchase decisions and give reliable customer support. The secret to successful online fashion shopping is to find the right site or app that has all the right features and sells at best prices.

6 Things To Remember When Consulting A Psychic Reader

6 Things To Remember When Consulting A Psychic Reader
Psychic readings can help you get enlightened about various aspects of your life. You can expect to improve both your personal life and your professional life by applying the knowledge gained through psychic readings. Whatever be your reason to consult a psychic reader, there are a few factors that you need to keep in mind in order to have a fruitful reading session. Here are six things to remember when consulting a psychic reader:
Avoid Having A Particular Agenda On Your Mind
You may have a strong desire to know about certain things through your psychic session and you may get answers as well. But it may also happen that you do not get the answer to that specific question for which you went ahead with the whole session in the first place. This is because your psychic reader is just a medium. The reader does not provide answers to your questions. The answers are communicated through the psychic reader to you. So, it’s important to understand that the reader does not have any control over what is being conveyed to you. You can expect to get what you need but not what you want.
Select Your Psychic Reader Wisely
There is no dearth of fake psychic readers who are out there to fleece innocent people of their money. Such disgraceful people can take advantage of your anguish and pain by selling you bogus information. That is why you need to exercise care when selecting a psychic reader. One sign to recognize authentic psychic readers is that they never promise to solve all your problems or pretend to have all the answers you want. Instead, they assure you of giving insights that will enable you to have a better understanding of your situation and life. If you are in search of an authentic psychic reader, you can go for psychic readings from Psychic 2 Tarot, a trustworthy platform for spiritual support.
Don’t Intend To Guide The Session
Before you go for a psychic reading, prepare yourself to allow the psychic reader to guide the session. Don’t intend to lead the discussion where you want it to go. Instead, be ready to let the discussion flow naturally and take whatever course it wants to adopt. If you try to influence the flow of the discussion, you may do more harm than good. For instance, an authentic psychic reader may get frustrated with your emotional outburst. Again, in the case of a fake psychic reader, you will be giving away too much information and provide the reader a chance to manipulate you and the session as well.
Know That There Is More Than One Way To See
Most people are interested in knowing how a psychic reader gets the information. There is no single answer to this question. In other words, the ways of getting information vary widely. Some readers communicate with angels or guides. Some others read auras or faces or even the tone of your voice. Then there are others who allow an entity to speak through them. The list does not end here. But all of them have one thing in common - they help you to gain a new perspective and understand the truth residing inside you.

Don’t Expect Miracles Or Predictions
Psychic reading is not about predictions or miracles. It is about discovering the truth and having knowledge of things that may force you to see your life in a different way. You may not get any easy answers to your queries. On the other hand, there are chances that the session may enlighten you about certain options that you might not have considered before. Psychic reading won’t provide you any quick fix solution to your problems. But it can show you the way you need to follow in your life.
Be Ready To End The Session If Something Feels Wrong
When your instinct or gut feeling says that something is not right about the session or the psychic reader, then listen to your feeling. If you find that your psychic reader keeps increasing the fees with every visit or insists on your buying certain merchandise from him/her, it should ring the warning bells for you. Also, if your psychic reader says that you will have to return repeatedly for more readings, it should be an indication for you to walk away from the reader once and for all. At any time, if you feel pressurized by the reader to do something, do not hesitate to end the session and walk out.

5 Reasons Why You Should Hire a Recreational Vehicle for Your Family Trips

Choosing to have an RV holiday with your family is a decision that you will never regret. This is because you will experience a different side of travelling when compared to staying in hotels or rented accommodations. You and your family will have an opportunity and freedom to explore different areas with ease. If you are planning for a trip or camp tour, here are reasons why you should hire a recreational vehicle.
A campervan gives you the flexibility that you need when holidaying. You will have the freedom to travel at your own pace and choose a location where you can eat and stay. You can easily look for a remote area to have picnic with your family and make memories. You also have the flexibility of changing your itinerary and seeing something different from what you had planned earlier on.
Renting an RV will help you save money on food, wheels, and accommodation. This is because you will have a vehicle for moving around with ease, a place to lay down whenever you are tired, and a kitchen for preparing your meals whenever necessary. This means that you will have extra cash in your pocket that you can use for other crucial stuff.
No time restraints
When travelling with a tour company or a group, you will always be required to keep time. However, with a recreational vehicle, you can move around without any restrictions. You can decide to spend several days in one location and move whenever you wish to. With RV's in Montana,you will also have the freedom to stop over at any place and anytime without following a specific schedule.
Meet people
You will meet lots of people from various walks of life in different campgrounds and RV parks. You will learn important holiday tips for locals and seasoned RV travellers. Most people usually change their travelling plans after talking with other motorhome travellers. The random people that you meet will impact your life and some will become your friends for life.
Modern amenities

Most motorhomes for holidaying will have modern amenities to make your stay more comfortable. These days, camping vans come with a variety of amenities that appeal to even the pickiest clients. Most recreational vehicles will have facilities to handle different seasons. High-end RVs will have plasma TVs, toilets, retractable rear extensions, showers, kitchenettes and much more.
Less packing
When staying in a hotel, you will have to keep packing and unpacking, especially if you are on the move every day. However, this is not the case when you are travelling in a recreational vehicle because you will always have all your belongings with you. You will no longer have to carry heavy luggage to and from your hotel or reorganize your bag daily.
Renting a recreational vehicle can be a great addition for your vacation. This is because of the immense benefits that you will enjoy with this vehicle. You will be able to visit even the remote areas that have few hotel options, allowing you to spend more time in these areas. With a camp van, you will enjoy nature without having to pay extra for the view or competing with other travelers for the best spots.

A Quick Guide to Taxes on Precious Metals

A Quick Guide to Taxes on Precious Metals
A common question from people who invest in precious metals is whether or not they’ll have to pay taxes when they sell on their bullion at a profit. There are federal rules, as well as state tax laws, so whether you’re buying gold bars or silver coins from this website you’ll need to talk to an accountant or tax expert to make sure you’re on the right side of federal and state law.
Precious metals are deemed to be capital assets
This means that silver, gold, platinum and palladium are capital assets so they may attract capital gains. As the IRS sees precious metals as collectibles, they may be levied at up to the maximum of 28% capital gains tax (CGT).
These taxes won’t be assessed until the metals are actually sold. If you, for example, buy 20oz of gold at $1,000 per ounce and while it’s in its depository it appreciates to $1,200 per ounce, then the capital gain hasn’t been realized. If you sell it the next week for $1,200 per ounce, then the capital gain has been realized.

Will I owe tax on this profit?
To work this out, you need to look at the original cost of the metal. The original purchase cost $20,000 and the gold sells at $24,000 – a profit of $4,000. Depending on your federal tax bracket you may owe no or some tax on this profit. There are also special conditions.
If you inherit the gold
If you inherit precious metals then there’s a different method used to calculate the cost basis. The cost basis is the market value of the metal on the day your benefactor died.
If someone gifts the metals to you
In this case, the cost basis is calculated from the market value on the day the metals were bought by the person giving them to you. If this market value is less than the amount the person actually paid the cost basis is derived from a fair market value on the day they gave them to you.
So, to sum up, if you sell your metals and make a profit, you’ll probably have a tax liability on the profit.
What are the rates I might pay?
As the IRS sees precious metals as collectibles, you may have to pay a higher capital gains tax rate. The maximum is 28%, but not everyone will have to pay this rate as the individual rate is determined by the length of time the person held the metals and their ordinary income tax rate. In addition, the person has to determine whether their capital gain is long or  short-term, as short-term gains are taxed differently.

When do I have to pay the taxes?
You’ll report the capital gains from your metals sales in your annual tax return and then pay the taxes in due course.
I’ve sold some metals at a loss; what now?
Then there’s no capital gain. You actually have a capital loss which you may be able to use to offset other capital gains in the same tax year or in future tax years. You can also use this loss against your ordinary income, with some limitations. In these situations, you should talk to your tax professional for expert, up-to-date advice.

Would You Like to Visit India? Read This First!

India is a large country in Asia. It is well known for its unique culture, big jungles, spicy cuisine and unique belief system. The people are welcoming and social in nature. Due to these characteristics, it is a popular tourist destination. There are very many things that a visitor can do in the country. Therefore, many people around the world travel to India. A disclaimer about the country is its weather. The seasons and daily weather patterns in India are very different from those in temperate countries. Read on to discover more.

Season arrangement in India

India experiences 3 main seasons. They are:





The winter season in India is from December to March. During this time, the temperature is actually not as low as that of countries in temperate regions. Winter in India is characterized by average temperatures and dry weather. There is no precipitation of snow or sleet.


The summer season in India is quite long. It lasts from April to May and then October and November. In between, there is a wet monsoon season from June to September. During the first few months of the summer, it can get very hot. There is no precipitation and the flora and fauna experience a dry period. However, when the monsoon starts in June, things change. The temperatures stay high but there is a lot of precipitation. It begins to rain quite heavily. The monsoon rains are different from the slight shower, drizzle or sleet. Here is more about it.


If you would like to visit India Someday, it is important that you know about the monsoon rains. They shower the country from June until September. Monsoon rains are hard and heavy. During this season, it can rain continuously for days.

The tropical areas in the west coast of India receive the heaviest monsoon rainfall. The northern part of India also gets heavy showers during this time. Seeing as the cities in India do not have very advanced drainage systems, they quickly flood up. On the other hand, the countryside turns green due to the constant showers. Farmers often get very busy planting their crops during this season.

Another characteristic of the monsoon rains is high temperatures. Despite the rain, the summer heat keeps blazing on. This creates humidity. It can become uncomfortable during the height of the monsoon.

What are the effects of the monsoon season?
During this season, clothes on the line do not dry up in time. They can spend hours or even days before they are wearable again. The heat can cause discomfort. The mountain areas of India normally experience landslides and clouds burst during the monsoon season.

Monsoon rains normally interrupt air travel. Many airports ground planes due to fog or heavy rains. Seeing as India is a large country, the monsoon season is experienced relatively differently in various parts of the country. However, it is a generally hot, wet season.


If you are planning a trip to India, the best time to visit is during the dry summer season. This is in April, May, October and November. During this time, the temperatures are high but there's no rain. As such, it is comfortable for you.

How To Get Pet Hair And Odor Out Of Your Clothes

A family pet is a great thing - mostly. The majority of the time it does nothing but provide you with a great deal of fun and company. We’re a cat family ourselves, and I’ve written articles before on how to deal with various issues your cat may produce. This particular article will look at something that can be quite problematic; your pet and your clothes.

Most household pets shed hair/fur, which naturally finds its way onto your clothes. Not only that, but they can also cause a bit of an odor to go on them too. This means you leave the house smelling like a cat or dog, which isn’t the best look going. Bearing that in mind, here’s how you can get both hair and odor out of your clothes.

Getting Rid Of Hair
Getting rid of pet hair feels like a thankless task, but you can do it with these ideas:

A rubber brush: Get your hands on a rubber brush and use it on your clothing. The fur should come off pretty easily, leaving you with cleaner looking clothes.

Lint rollers: This is my favorite tool for getting rid of pet hair. A lint roller picks up pet hair, along with any other bits of fluff on your clothes. It’s really effective on sports clothing and polyester.

Getting Rid Of Odor

The odor your pet leaves on your clothes can vary depending on what it is. Cats don’t leave too bad of a smell, but dogs can make your clothes stink. The problem is, you don’t realize they smell bad because you’re used to the smell of your pet. Luckily, there are some very easy solutions you can try:

Dry cleaning: I find that dry cleaning your clothes is a great way to remove bad odors. Look around for sites like, and you can find a dry cleaning service near you. The method dry cleaners use is just more effective than a standard washing machine. But, it’s especially useful for things like thick jumpers or wool coats.

Apple cider vinegar: It sounds odd, but apple cider vinegar can help you get rid of pet odors in your clothes, bed sheets, and everything else. All you have to do is add a little drop with your washing, and they’ll come out free from this smell.

Washing machine beads: I saw these things in the shop the other day, and they seem to work. Essentially, they’re just beads that you add to your wash cycle along with the detergent. As your clothes wash, the beads disintegrate and envelop everything in a lovely smell. When you take everything out of the wash, it smells much better.

It’s important to get rid of both pet hair and odor from your clothes when you go out the house. You never know, you could come into contact with people who have allergies to your pet. In which case, you put them at risk when you have their hair/fur all over you. Plus, no one wants to smell like a car or dog, so getting rid of the odor is a bonus.