4 Compelling Life Lessons To Try And Live By

Today, I want to talk about life. Specifically, I want to give you a few life lessons to try and live by. They’re a few things and ideas I believe will help you live life to the fullest and enjoy as much success as possible. Give them a read if you’re interested!

Invest While You’re Young

We’ll start things off with some financial advice to carry you through life. It’s important you manage your money from a young age as it sets you up for the future. My life lesson is to invest as early as you can. If you have a look at my article here http://thischattanoogamommysaves.com/4-great-investments-that-pay-off/, you’ll see some ideas for great investments. The earlier you invest, the more money you can build up and save for the future. It helps contribute to a financially stable life!

Move around and experience new things. Credit

Don’t Stay In One Place

There are plenty of people that live and die in the same place. While spending all your life in the same town might seem cosy, it can prevent you from achieving your potential. But, if you move elsewhere and live in different places it can open your mind to new ideas. You may learn new things and figure out your true calling in life. There’s no telling what you can achieve when you move elsewhere and gain new experiences. Remember though, as you can learn from HackingLawPractice.com, there are laws to working in different countries. Just make sure you’re fully prepared with all the legal documentation before you decide to emigrate elsewhere. Also, you don’t have to go to a new country, simply moving cities can open your life to new opportunities too.

Learn something new every day. Source

Always Learn New Things

Education is the key to living a long life full of success and fulfilment. It’s never too late to go to college and get a diploma or study something you’re passionate about. Learning new things helps you develop as a person and broadens your mind too. Again, like moving away from home, it can help you realize your passion and achieve your true potential. You don’t even have to take the formal education approach, doing something simple like learning a new thing every day will help you too. As you can see on developgoodhabits.com, there are plenty of ways to do just that.

Find A Hobby You Love

Finally, I think it’s important to find a hobby during your life. Hobbies are great for helping you relax when times are hard, while also allowing you to do something you love. Plus, you never know, a hobby can always turn into something much bigger one day. Just look at all the people that started blogging as a hobby, and it’s now their full-time job! A life without a hobby is a boring life indeed; find something you enjoy doing and do it.

Try and follow these lessons if you want to make the most out of your life. You should find they’ll help you be more financially stable, have a successful career, and develop as a person.

The Crooked Path By Irma Joubert {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

From the bestselling author of The Girl From the Train, comes another compelling coming of age story of delayed love, loss, and reconciliation in WWII-era South Africa.

Lettie has always felt different from and overshadowed by the women around her– this friend is richer, that friend is more beautiful, those friends are closer. Still, she doesn’t let this hold her back. She works hard to apply her mind, trying to compensate for her perceived lack of beauty with diligent academic work and a successful career as a doctor. She learns to treasure her friendships, but she still wonders if any man will ever return her interest.

Marco’s experience in the second world war have robbed him of love and health. When winters in his native Italy prove dangerous to his health even after the war has ended, he moves to South Africa to be with his brother, husband to one of Lettie’s best friends. Marco is Lettie’s first patient, and their relationship grows as she aids him on the road back to restored health.
In the company of beloved characters from The Child of the River, Marco and Lettie find a happiness that neither of them thought possible. With that joy comes pain and loss, but Lettie learns that life—while perhaps a crooked path—is always a journey worth taking.

My Thoughts!

I love Joubert’s writing style.  It offered a unique twist and a fast paced storyline. It was full of history and well developed characters.  I couldn’t put this book down as it brought me to the edge of my seat.  I did have a few parts where I felt like I was missing content or backstory, but overall it was a great read that I would recommend to others.

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

I review for BookLook Bloggers

Protect Your Online Business From Financial Loss

Running your own online business seems to be the primary strategy earning extra money these days, but it’s essential to remember that you can lose money this way as well as make it. Something that can ruin your real life finances as well as close down your online business. With that in mind, it is prudent to check out the advice below, as it may just help you protect your online business from any major financial loss.

An online business can result in losses as well as profits. Image link

Use marketing

Marketing is something that is an essential part of protecting your online business from financial loss. This is because it is the primary way that potential customers get to hear about your product or service and so know to come to you to purchase them.

Yes, marketing does cost money, but there are a range of options available such as blog posts, PPC, webinars, and reviews, so it is possible to find strategies that fit your budget as well as the demographic you are looking to appeal to.

You can even make your own videos for practically nothing on a smartphone and upload them to Youtube for marketing purposes. Something that means it’s really not worth the risk of neglecting this area. Especially as it can seriously affect the profits or losses of your company further down the line.

Get some help with the accounts

One of the best things about online business is that anyone can start one up, that means many folks have an opportunity to tap into worldwide markets and make profits. However, unlike more traditional businesses that take time, expertise, and planning to set up the egalitarian nature of online enterprises can cause some problems.

In particular, you don’t have to know anything about business accounting, or recordkeeping to set up a business online. This can make completing your company’s books and tax return particular difficult. Something that in turn can cost you a lot in losses.

This could be because you are not paying your bills on time and services that you rely on for your business like web hosting are cut off. Alternatively, it could be due to the fact that you complete your tax reruns late or incorrectly and incur heavy fines.

Luckily, though to get around this problem, you don’t need to give up your day job and go do a University course in accountancy. In fact, you can instead get an accounting firm to help you out with your business finances. Something that ensures your books will be correct and leaves you free to handle the others areas of the business that you excel in.

Stay relevant

Last of all, to truly protect your online business from financial loss, you need to have a good grasp of the market that you are trading in.

This because things can happen quickly in the online world and to ensure you don’t lose out you need to be able to move with the latest trends and stay as relevant as possible.

How best to do this will depend on the company that you are running, and you may find being open to the latest trends it most helpful. Alternatively, ensuring a particular niche for your company in the market may be something that provides a more stable income and avoids losses in the long term.

Live For The Present, Plan For The Future

Image Credit

There tends to be two mindsets for parents of today. Either you have to live in the moment and enjoy everyday like it’s your last or you have to always look towards the future. For our part, we say why not both? Why can’t you live a great life now while also planning for the future today? The answer is, you can. You just need to understand what impacts your future financial position and how to enjoy life now without putting it in jeopardy. This is always going to begin with, effective budgeting.

Budget Breaking

The first step is to make sure that you are indeed living on a budget. You must do what you can to fit everything into your budget while still saving a little each month. The savings aren’t to be spent. They go directly into a high interest account and you should leave them alone for the foreseeable future. This is your level one savings. That means they shouldn’t even be touched for financial emergencies.

Level two savings are the money you have left after the first lot of savings and also the bills that you have to pay each month. If you’re getting towards quite low levels of money now, don’t worry. It’s understandable to be in this position, and many people struggle with budgeting at first. You can split the level two savings between what you want to buy and what you might need to buy. Divide it in half and only touch one half in a financial emergency, like for instance buying a new boiler for the home.

Thinking About The Future

Hopefully, with the first level of savings, you will already have some money for the future. You might also be able to add to this through a good pension scheme. Shop around for the best one that you can find. However do be aware that it’s not just about saving money. It’s also about planning for the unexpected like a death in the family. This article: Is Life Insurance a Life or Death Matter? Provides context into what we’re talking about here. It suggests that you should always be preparing for the worst to protect the future of your family. You do need to consider the possibility that you might not be around forever and life insurance will help alleviate your worries here.

Adding Extra

If the second level of savings we mentioned wasn’t as much as you hoped, there’s an easy fix. You just need to make sure that you are earning a second income. Many financial experts advise that everyone works towards adding a second income to boost their livelihood. This will give you the extra cash you need to enjoy life now while still being fully prepared for the future. It’s not always easy to set up a second income, but there are plenty of options here to consider. For instance, you can think about selling products online to boost your finances.

We hope this advice helps you enjoy life now while still getting ready for the future.

Pic Credit

In Depth: 4 Secondary Income Sources Considered

Given the opportunity to earn more money, most of us will take a leap and see where an idea leads. The internet is proof of this; it’s a bustling hive of ideas for side hustles, passive income, and all the different ways you could be topping up your personal budget.

While this advice is useful — and downright profitable for some people — it can also be incredibly confusing. There are so many ideas around, it can be impossible to decide which might actually work for you.

To try and help you make a decision, let’s go through the most popular sources of a second income, and see how they stack up against one another. Presenting the facts clearly should help you see which secondary source might be beneficial for you and your family– so let’s get right to it.

SECONDARY INCOME SOURCE: Completing Surveys Online

What Is It?

There are various sites online where companies will pay you to give your opinion. All you have to do is sign up for an account, fill out a personal profile, and then wait for surveys to be sent to you. Some sites also feature other ways of making money, which you can browse if you so wish.

How Does It Work?

You will receive a small amount of money for every survey you complete. The exact amount will depend on the site you have subscribed with, so check the payscales before you decide which site you want to go with.

Who Is It A Good Option For?

Survey sites are a good choice for people who don’t have a lot of time and don’t want to commit to a full-time business.

How Much Work Is It?

Quite a lot; surveys will vary in length, so some may take 15 minutes and others will take a full hour. You will usually receive more compensation for the longer surveys.

How Much Money Can I Make?

You’re not going to make a living from survey sites, so if you’re in need of a larger second income, it may be best to look elsewhere. If you just want a little money, however, then survey sites are a nice, flexible way to achieve this.

SECONDARY INCOME SOURCE: Becoming A Landlord

What Is It?

Simple; you buy a property and then let it out to tenants. The tenants pay you rent in return for the use of the property.

How Does It Work?

Your goal is to make enough in rent to cover your mortgage payments on the property; this is relatively simple to achieve, given the current high rent prices. Any extra that you receive in rent can be used as you wish, be it for investment purposes, spending money, or just helping to make your family budget a little more comfortable.

Who Is It A Good Option For?

Those who can afford to take on a second mortgage.

How Much Work Is It?

The initial purchase of your rental property takes a fair amount of work, though no more than your standard house purchase. With that done, there’s relatively little that you have to do, especially if you find a property manager for your rental property. If you go down the management route, you will find this is a secondary income that takes very little effort.

How Much Money Can I Make?

The sky is the limit; it depends on the properties you can afford and what you can command in rent. The potential to make enough income to rival your full-time job is certainly there.

SECONDARY INCOME SOURCE: Blogging

What Is It?

Writing a blog on a regular basis; the blog can be on the topic of your choice.

How Does It Work?

There are various different methods you can use to monetize a blog. The most common are sponsored posts and running advertising on the site.

Who Is It A Good Option For?

People who like to write, have a lot to say, and can be patient while they build up a readership.

How Much Work Is It?

A lot; blogging isn’t easy. Many people think that blogging is really simple, but it’s actually a lot of work. You will need to create content, take photos, find sponsors, engage with your readership, and run social media accounts. However, if you’re blogging about a subject you love, then you likely won’t mind this too much.

How Much Money Can I Make?

The most popular bloggers make a full time income from their blog, but it can take years to reach this point. You can make a decent side income with a blog; $100 per month is not outside of your reach if you really dedicate your spare time to making your blog as good as it can be.

SECONDARY INCOME SOURCE: Dog Walking

What Is It?

A small business where you walk dogs for owners who do not have the time to do so.

How Does It Work?

Marketing is the key for dog walkers; you will need to spread your name far and wide, both online and offline. Advertise your services, explain your rates, and provide several contact methods (email, phone etc.). Most dog walkers charge an hourly rate; you can set your rate at any amount you wish.

Who Is It A Good Option For?

People who are active and don’t like being indoors. Obviously, you will need to like and know how to handle dogs!

How Much Work Is It?

Not a lot, especially if you already have an exercise regime. One of the best things about dog walking is being able to cancel your gym membership, and instead get all the workout you need while walking– and get paid for it at the same time.

How Much Money Can I Make?

This depends entirely on how many hours you can spend walking dogs. There’s the potential to earn around $200 per month if you only do a few walks a week; though you can earn more if you’re willing to work more hours.

In Conclusion

The above four options are four of the most frequently mentioned options for side hustles. By reading through the above, you should have a better idea of what these choices entail, and if you can see yourself doing them. A side hustle that you enjoy is the best way of helping to ensure your financial future, so hopefully, you will find something that suits you.

Image 1 / Image 2 / Image 3 / Image 4

4 Great Investments that Pay Off

Photo Credit

If you have money left over at the end of the month, it can be a challenge knowing exactly where you should invest it. With such a wide range of different options out there, it is very easy to get overwhelmed. Well, to cut through all the noise and simplify your situation, we will take a closer look at four great investments that you can make that will pay off in the future. So, let’s begin at the beginning.

Invest Money in Clearing Debt

First of all, you are never going to be able to get anywhere in life with a mountain of debt sitting in front of you. So, before you do anything else, you should channel your money into clearing this out of the way. Credit cards can be very useful tools if you wield them properly, but remember that the companies are not there to be your friend. Most people tend to take the approach of burying their heads in the sand and pretending that it is not happening, but this is never going to be a long-term solution to your problems. There are plenty of resources out there which are dedicated to helping you out of debt, so take the time to read up on these.

Invest Money for Retirement

Once you have cleared away your debt, the next place you can channel your funds is by saving for retirement. Though you can do this at any time, sooner is always better. First of all, you should look at contributing as much as you can to your company pension scheme. The more you pay in, the more your employer will put in as well (up to a point). Next, you can put your money into savings accounts which provide you with a decent return on your investment.

Invest Money for Big Purchases

One of the best ways that you can ensure you stick to your savings plan is by automating your finances every month. This way, your money will be automatically channelled into a savings account or other investment scheme without you having to think about it. Once your money is in the savings account, you shouldn’t touch it again. The rest of what you have can be set aside for big purchases. You may choose to buy gold coins, a classic watch or other items which don’t depreciate. Of course, one of the safest options out there is always going to be real estate.

Invest Money in Your Education

The final investment we are going to discuss is an investment in yourself. Always being in a state of curiosity is a good quality to have. You can never have too much knowledge or skills that are overdeveloped. You don’t have to always focus on things relating to your career, as you never know what skills could be transferrable at some point in the future. Investing in yourself is never going to be a waste of money.

Perennials By Julie Cantrell {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

When two estranged sisters reunite for their parents’ 50th anniversary, a family tragedy brings unexpected lessons of hope and healing amid the flowers of their mother’s perennial garden.

Eva—known to all as Lovey—grew up in Oxford, MS, surrounded by literary history and her mother’s stunning perennial gardens. But a garden shed fire and the burns suffered by one of her best friends seemed to change everything. Her older sister Bitsy blamed her for the fire—and no one spoke up on her behalf. Bitsy the cheerleader, Bitsy the homecoming queen, Bitsy married to a wealthy investor. And all the while, Lovey blamed for everything that goes wrong.
At eighteen, Lovey turns down a marriage proposal, flees from Oxford and the expectations of attending Ole Miss, and instead goes to Arizona—the farthest thing from the South she can imagine. She becomes a successful advertising executive, a weekend yoga instructor, and seems to have it all together. But she’s alone. And on her 45th birthday, she can’t help but wonder what’s wrong.

When she gets a call from her father—still known to everyone as Chief from his Ole Miss football days—insisting that she come home three weeks early for her parents’ 50th wedding anniversary celebration, she’s at wits end. She’s about to close the biggest contract of her career, the one that will secure her financial goals and set her up for retirement. But his words, “Family First,” hit too close to home. Is there hope for her estranged relationship with Bitsy after all this time?

Eva’s journey home, to the memory garden her father has planned as an anniversary surprise for her mother, becomes one of discovering roots, and truth, and love, and what living perennially in spite of disappointments and tragedy really means. Eva thought she wanted to leave her family and the South far behind . . . but she’s realizing she hasn’t truly been herself the whole time she’s been gone.

My Thoughts!

This was my first read from Cantrell. I was intrigued by the cover as well as the synopsis and was truly looking forward to this read. However, it was lacking for my personal taste.  Cantrell has an easy to read writing style and her characters are well developed and relatable.  The story line offered a some life lessons about family bonding, commitment, and overcoming troubles. However,  it took a while for me to finish this read because it didn’t grasp my attention and pull me in.

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

I review for BookLook Bloggers

The Gift By Shelley Shepard Gray {Book Review}

Disclosure: I received a copy of this book from the publisher for the purpose of this review. All opinions remain my own and weren’t influenced. My opinions may differ from those of others as well as the author/publisher. Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

Synopsis

The Schwartz family is happy to be spending Christmas on their new farm in Hart County. But when Susanna Schwartz hears gunshots that causes her buggy to overturn, and then her little sister falls through a wooden bridge into the icy creek, it becomes clear from these dangerous “accidents” that someone wants them gone.
Neil Vance has been heartbroken ever since his parents lost their family farm. He knows it’s not the Schwartz family’s fault, but he can’t help but be resentful. Until he meets Susanna. She is kind-hearted and bold, and Neil can’t stop thinking about her pretty green eyes.
Neil thinks the accidents are just that, but Susanna’s father is convinced the Vance family is responsible. Susanna refuses to believe Neil would do anything to harm her. She’s fallen in love with him and knows he is a good man. But her family is ready to pack up and move, and time is running out to uncover the truth before someone gets hurt…or worse.

Gray pin2

My Thoughts!

This is book 3 in the The Amish of Hart County series. It stood well on its own and didn’t leave me feeling like I was missing back story.  It was an intriguing read that was well written and was easy to read. The characters were well developed and relatable.  It was a fast paced read that kept me entertained throughout the read. I recommend this read.

Purchase It!

Hurry on over to Amazon to grab this book! *Remember that Amazon pricing is subject to change at any time with or without notice.  Please double check pricing before purchasing.

 

Swagbucks: Get more free gift cards during November Swago with Spin & Win

Disclosure of Material Connection:
Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

The digital rewards site Swagbucks is celebrating Thanksgiving early with another big “Swago” promotion starting Monday, November 6th at 9am PT and running until Monday, November 13th! Swago is just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online. If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Monday, November 13th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, November 16th to use all your spins.

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice.

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of next month, you’ll get a bonus 300 SB!

 

New To Swagbucks?

If you haven’t heard of Swagbucks, it’s a site that rewards you for online activities that you’re already doing. You collect points then redeem those points for gift cards to places like Amazon, PayPal, Starbucks, Walmart, Target, and more!
Swagbucks is totally legit. I use it myself on a daily basis to earn money that I save up for Christmas and birthdays! This past year I used Swagbucks to pay for a Build A Bear Party & lunch at Red Robin for 10 kiddos and 4 adults in honor of my daughter’s birthday! Thanks to Swagbucks, that’s almost $350 that I didn’t have to spend out of pocket!

Swagbucks: Holiday Harvest Collectors Bills

Disclosure of Material Connection:
Some of the links on the following page are “affiliate links” and I may be compensated if you click on these links.

 

November has arrived, and as we get deeper into the Holiday Season, Swagbucks is marking the occasions with “Holiday Harvest” Collector’s Bills!  “Collector’s Bills” are special SB point values with designs that you win randomly while searching the web with Swagbucks’ Yahoo-powered search engine. Collect all 6 and you get an additional SB Bonus! Once you’ve collected enough SB, you can redeem them for gift cards to stores like Amazon, PayPal Cash, and many more!

Here’s all the information for this week’s Collector’s Bills:

Search the web through the Swagbucks search from Monday, November 6th through Sunday, November 12th, and when you get a search win, you may get a special Collector’s Bill valued at either:

  • 4 SB
  • 6 SB
  • 9 SB
  • 11SB
  • 14 SB
  • 22 SB

When you get a Collector’s Bill you’ll receive the value of the bill and the bill will be added to your “Collector’s Bills” ledger. Collect all 6 Collector’s Bills and you’ll instantly earn a 20 SB Bonus!

Keep searching til you find them all!

 

New To Swagbucks?

If you haven’t heard of Swagbucks, it’s a site that rewards you for online activities that you’re already doing. You collect points then redeem those points for gift cards to places like Amazon, PayPal, Starbucks, Walmart, Target, and more!
Swagbucks is totally legit. I use it myself on a daily basis to earn money that I save up for Christmas and birthdays! This past year I used Swagbucks to pay for a Build A Bear Party & lunch at Red Robin for 10 kiddos and 4 adults in honor of my daughter’s birthday! Thanks to Swagbucks, that’s almost $350 that I didn’t have to spend out of pocket!