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Gabby Bows

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Living Savvy

    Living Savvy

    Make Your Home More Liveable Today

    If you are starting to think that you might need to focus on trying to improve your home in some way, you are not alone. Most people go through periods of thinking that there’s just something wrong there that needs fixing up, and when that happens for some reason or another it can often take a long time to work out the specifics of what actually needs to change. In some way or other, you might have come to realize that your home is not quite as enjoyable to be in as it could be, and this is certainly an unfortunate situation to be in. Fortunately, there are many things you can do to make sure that it is going to be considerably more liveable, and some of those are what we are going to look at today. Let’s take a look at how you can make your home much more liveable as soon as possible.

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    Create More Space

     

    If there is anything that often gets in the way of a home being genuinely comfortable and enjoyable, it is the feeling that there is not enough space in it. If you have ever felt this way, you will know how much it can ruin the experience of the home, so it is not the kind of situation that you want to allow to continue in any way. You will want to make a point of creating more space, which is often easier said than done, but can always be achieved if you go about it in the right way. Moving furniture around is sometimes all you need for this – at other times, you will need to get rid of some furniture or create a feeling of space using mirrors and so on. However you do it, it is bound to help make your home considerably more liveable in no time.

     

    Get The Temperature Right

     

    If you can’t have much control over the temperature, then it is much harder to assure that your home is as comfortable as you would like it to be, which can really cause some problems. Many people get cranky or upset when they can’t be warm or cool enough, so you will want to make sure that you are looking after your heating and cooling systems well. That could mean that you need to get your central ac repair done or that your heating needs a look at. Whatever it is, as long as you keep on top of it, you should be fine, and you will find that your home is going to be considerably more comfortable as a result of this.

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    Make It Yours

    Finally if you really want to be happy in the home, find some way to make it yours. The sooner you do that, the better, and the more that you will feel truly at home in your home. You can achieve this by putting lots of things that remind you of your life around the place, or by using photographs in some way. However you do it, it is bound to help you feel that your home is much more liveable.

    Living Savvy

    What To Do When Your Debts Are Spiralling Out Of Control

    Tingling palms, sweating excessively, and being flooded with anxiety isn’t a normal reaction to have when your bank statement lands on your doormat. In fact, it may well signify that you have a problem with debt and that your finances are spiraling out of control. Don’t lose hope though, because there are tactics you can use to help you if you do find yourself in such a situation. A topic you can read more about in the post below.

     

    Assess the damage

     

    The first tactic is not acting but assessing the depth of the problem that you find yourself in. Yes, it’s crucial that you don’t stick your head in the sand like an ostrich and ignore what is going on.

     

     


    Of course, this can be tough, and even when you know things are bad putting a precise figure on things can be challenging. However, without doing this, you cannot start on the road to solving your financial problems and getting yourself out of the hole you currently find yourself in. Therefore, without delay collect together all your statements, and requests for payment and work out exactly how much you owe.

     

    Pay off what you can

     

    The next step is to put in place a plan to pay off what you can and reduce your debts, something that can help you work your way out of a financial hole. In fact, many financial experts suggest that if you pick the debt that is costing you the most in interest first, you can really make a difference here.

     

    Remember too that it’s always worth speaking directly to your lender if you are having trouble paying as they may be able to offer you more preferable terms.

     

    Look at other options

     

    Of course, sometimes paying off your debts one by one with the money from your monthly budget isn’t enough. If this is the case for you, then it may be time to consider other options. One is consolidating your debt.

     

    A strategy where you hand over your debt to a single company,  and they charge you a single fee each month, instead of having lots payments, fees and charges to manage.

     

     

    Alternatively, you may wish to consider filing for bankruptcy instead. Something that can wipe away all of your debts and help you begin again fresh.

     

    Of course, to do this successfully, you will need to employ an expert attorney such as Ronald D Weiss that has extensive experience in the bankruptcy sector. After all, it can be a complicated process, and you will want to give your case the beast change of success.

     

    Change your behavior, so you never get in that situation again

     

     

     

    Lastly, no matter what method you choose to resolve your debt issue you must also ensure that you change your behavior from that moment on as well. This is because by doing so you can stop yourself ever getting in such a dire financial situation again, as well as avoid all the spirally stress that goes along with it!  

     

    Living Savvy

    Going at It Alone: Is It Ever a Good Idea to Represent Yourself in a Car Accident Claim?

    Going at It Alone: Is It Ever a Good Idea to Represent Yourself in a Car Accident Claim?

    Though this is something that you won’t hear most lawyers admit to, you can actually represent yourself in a car accident claim. If you have been injured in a car accident and are suffering emotionally and physically, then it is your legal right to seek compensation. Before you go out and represent your own legal case, there are some things you need to be aware of.

    Representing Yourself
    Most people who decide not to hire a lawyer are usually involved in small claims cases. If you have decided to act as your own legal counsel in a car accident claim, you will have to spend quite a number of hours reading insurance law. You will also have to
    familiarize yourself with the “rules of the road.” So if reading a bunch of legal documents isn’t something you are prepared to do, then maybe you should rethink representing yourself.

    You will also have to file a claim against the driver who injured you or your vehicle. You will have to find the necessary form, file it with the court clerk, and then serve the person you are suing. You must always follow the right procedure. Once the defendant has received your claim form, you must begin to collect your evidence. Gather all the evidence available from the accident site and prepare to bring it before the judge. Make sure your evidence is compelling enough to get you a positive ruling.

    Why You Should Get an Attorney
    There are a number of good reasons why you should hire car accident attorneys. The first reason is that as an individual, you will struggle when taking on the insurance company. Insurance companies will always try to give you, the victim, as little compensation as possible because they are in the business of making a profit from accidents. Just a few days after the accident, you will receive calls from insurance agents trying to convince you to go for an out-of-court settlement. With their extensive knowledge of the law, they know how to manipulate accident victims who have little legal knowledge.
    The second reason to hire a layer is that you do not have adequate knowledge of the law. An attorney will know how to protect your rights under the law, especially since different states have slightly different laws. Your lawyer will make sure that you file your
    claim within the statute of limitations period for car accident claims.

    The third reason is that you are likely to undervalue the amount of compensation you should claim. You may include the damages for medical costs and lost wages but what about other factors like pain and suffering? How about ongoing care? Only a competent
    attorney can help you correctly value your claim.Nobody ever wants to get caught up in a car accident injury claim. However, life
    sometimes takes a sudden turn. You have to be prepared to make the right decisions, and one of the best things you can do is to consult a qualified car accident attorney.

    Living Savvy

    Enjoying Your Life on a Budget: 8 Frugal Family Fun Ideas That Wont Cost You a Fortune

    Enjoying Your Life on a Budget: 8 Frugal Family Fun Ideas That Wont Cost You a Fortune

    You must have wished to be frugal. The problem? When you do all the research and come up with the best money saving tips, you realise you face opposition from your family members because you are interfering with their plans. Maybe, there is something you haven’t done right – bringing out fun ideas that have minimal chances of resistance. So, very fast, here are eight frugal family fun ideas that won’t cost you a fortune:

    1) Have a Plan
    It sucks, but the truth is that you must have a plan. You don’t want to start saving money by taking measures without a plan. Your family members are going to be disappointed with you and form opinions over you. That’s not what you want, or do you? You can also opt for this personal loan. It can assist.

    2) Have a Chat
    This is the part you are not going to love, but I bet you must do it. Because your family know well their pain points more than you do, it will be the best idea to sit them down and tell the hard truth – you want to save. So, they must give up on some luxuries.

    3) Make a Promise
    Children are not born with a natural instinct. So, the truth is that they will not understand the reason why you are saving cutting down on your expenses. For them, they only need to wake up under a roof and assume everything is normal. That’s why you need to give your family a promise. For example, you can promise them that once you settle your bills, you’ll take them for a vacation.

    4) Rotate Meal Prep
    Sometimes you can decide to rotate your meal prep to help you with saving your expenses. This will also make it interesting for your family members.

    5) Take Turns in Organizing and Taking Inventory
    Now that you have made a plan, sat your family down, made a promise, and made a rotation meal prep, you need to take turns in organizing and taking your inventory. This will help you know what you already have and what you still lack.

    6) Discuss Your Goals and Progress
    Humans love to be motivated. So, for your family to continue and hold onto the frugal lifestyle, you need to keep them updated with how far you have gone with paying your bills. This way, they will hope that it will soon come to an end.

    7) Have Theme Nights
    There is no sense in living a luxurious lifestyle when you can’t afford it. Train your kids to live with what you can afford. They will ultimately understand and take things normally. So, you can organise for theme nights where you play all sorts of games. Your kids will not even realise they lack some luxury.

    8) Make Your Life Fun
    When just implementing a frugal lifestyle, you’ll feel like you are missing on a lot of fun moments. The truth is that there are a lot of fun activities you can get involved in without spending a cent. Take your children to natural geographical areas, which have beautiful picnics. They will enjoy it.

    Final Thoughts
    Life is fun when you plan yourself and keep yourself engaged with your family. Even if you have a huge bill to settle, a frugal lifestyle will help you feel like you are living the most luxurious lifestyle.

    Living Savvy

    Have You Finished Building Your House? Here are 5 Must-Have Furnishing Items Your House Shouldn’t Lack

    Have You Finished Building Your House? Here are 5 Must-Have Furnishing Items Your House Shouldn’t Lack

    Your home should be the place where you feel most comfortable in the world, and no two people are going to have the same notion of what comfort entails. That’s why no two homes are going to look exactly alike, in terms of the furniture choices that have been made, the artwork, and the general feel of the place when you walk in the door. Some people might opt for a
    Mongolian lambswool cushion, while others might insist on a blacklight poster of a panther in their master bedroom. Whatever your style, though, here are five must-have furnishing items that you should find in every home.

    Lamps
    In most rooms, you’re going to have an overhead light, and some people also like to have some candles around that can be lit for atmosphere. There should be several lighting options in each room, though, which is why you’re going to want multiple lamps, the number of which will depend on the size of your living space. You want the lamps for reading, and they will also give each room a cosy feel at times of the day or night when the overhead light is too harsh.

    Artwork You Love
    Not everyone agrees about artwork, at least not entirely. That’s one of the things that’s so nice about having your own place: you can decide exactly what sort of art speaks to you. It could be band posters, framed classic art reproductions, or original pieces of sculpture. You could be into contemporary pieces, or those tracing their origins back hundreds of years. You should have a
    couple of signature pieces in each room, though. They’re conversation starters.

    An Occasional Chair
    There is something about the term “occasional chair” that makes you understand just what it should be used for even if it’s your first time hearing of such a thing. An occasional chair or two usually appears in the den or living room in most houses, and it’s the perfect thing for when company shows up. These should be comfortable chairs into which a guest can sink down and
    relax in anticipation of some pleasant conversation.

    Something Living
    Plant life is also something that every home needs, though too many people neglect it. Plants improve the air quality in a home, and in the colder months, it’s nice to be in the presence of green growing things as you wait for spring. If you don’t know that much about taking care of plants, don’t worry. There are varieties that you can get that require very little maintenance.

    Ideal Mattress

    Moving to the bedroom, you need to have a mattress that is entirely comfortable for you. Even if you didn’t spend very much money on furnishings for the house, you need to splurge on a high-quality mattress. Sleep is so vital, and if your mattress is lumpy or worn out, it’s time to drop some money to get yourself a better one.
    Every home is going to be different, but yours should be a place where you feel good. You
    should look forward to coming back to it and breathing a sigh of contentment