Inspiring Quote of the

Hi there my lovelies!The Inspiring Quote of the Day is from Roald Dahl, a British novelist, short-story writer, poet, screenwriter, and wartime fighter pilot. I get inspired by these quotes every day. Hope you will enjoy the inspiring quote of the day from The Twits.

Inspiring quote

Check out the entire quote on my YouTube Channel. What do you think of the quote of the day? Do you agree with the poet? Please Comment.

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7 Areas Where You Should Not Use Vinegar As A Cleaning Product

Hi there my lovelies! Hope you are doing well and staying safe. We all love working on DYI projects, who wouldn’t? It rewarding the journey itself is so meditating and satisfying. Similarly, in this world of harsh chemical and pollutants we strive hard to use natural ingredients and reduce the carbon footprint. One such ingredient is vinegar. It’s not only good in food and a great natural cleaning product. I know I love using it for cleaning. However, did you know that there are several places we should not be using vinegar? Today, I will share with your 7 such areas.

  1. Marble & Granite countertops: Using vinegar to clean your granite or marble countertops can ruin their smooth, shiny surface. The acidity in vinegar may scratch the granite top and leave a dull or discolored spot behind. ee06b4e8b0ef5d10119237b6568965b4
  2. Waxed Furniture: Using vinegar to clean your waxed furniture will dissolve the wax and leave the surface looking dull and discolored. Hence, use a wax cleaning solvent instead to maintain the surface of your furniture. Slate-Floor-Care-and-Maintenance
  3. Stone Floor Tiles: If you have natural stone tiles anywhere in your house, avoid cleaning them with vinegar, lemon, or ammonia. The acidic nature of the products etches and dulls the stone, and it may lead to a very expensive repolishing process.Egg Spill
  4. Egg Spills: Cleaning egg messes with vinegar solution will cause the protein enzymes in the egg to coagulate or clot and will make the stains even more impossible to clean up. So, if you drop egg, it is better to use just soap and warm water instead.                                                    DO-NOT-MIX
  5. Mixing with bleach: Vinegar is a great tool in washing cloth, to give it a fresh look and get rid of the musty smell from your clothes. However, BEWARE. Don’t add bleach to that mixture. Mixing vinegar and bleach creates a toxic gas which not only bad for you, it’s even worse for your clothes. Check out the list of chemicals that should never be mixed from the Family Handyman website.                   twilight-sj-_28_
  6. Hardwood Floors: According to Family Handyman, cleaning hardwood floors vinegar varies depending on the finish of your floors. Using vinegar on some hardwood floors will damage the finish. While it’s best to use a cleaner specifically designed for cleaning finished hardwood floors, if you heavily dilute the vinegar with water or other cleaning ingredients, your floors should be fine. However, if you don’t want to take that risk, a safer, DIY solution is a mixture of liquid detergent and water. That’s what I use.                                                vinegar pearl
  7. Pearls: Pearls looks beautiful and elegant and it’s made of marble, limestone, and calcium carbonate. Hence, if pearl is exposed to vinegar, the calcium carbonate in the pearl will react with the acidity in the vinegar, causing it to dissolve. In order to avoid damaging your pearls, Family Handyman recommends cleaning them with a soft cloth dipped in a solution of lukewarm water and mild dish soap.

How many of us made the mistake of cleaning the above surface with vinegar. I know I did it once, but fortunately, the surfaced was ruined in that first clean.

My dear lovelies! I hope you enjoyed this post as much as I enjoyed share it with you. I want to thank Family Handyman for the beautiful tips. I am not someone who would take credit for someone else’s work. As a scientist, my academic and ethical integrity is very important to me. What techniques have for you for daily cleaning? I would love to hear your feedback.

Hope you enjoyed my post as much I enjoyed writing it. Please leave your comments.

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Using Personalized Design for Decor

Hi there my lovelies! Hope you all are doing well and staying safe. As I have shared with you before, I have in the process of redecorating my home without breaking my bank. Let’s face it, I am also in my journey towards financial freedom, which means penny pinching. Hence, I will be relying a lot on Dollar Tree and Dollar Stores. However, the one I am sharing with you now is through Etsy before I went on a financial diet. Today, I wanted to share with another great experience that I had with another small business owner at Etsy. I am talking about CopperFoxCompany.

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My beautiful lovelies! I have these wood pieces with bark as coasters. It gives a chic cottage vibe that I like. To be honest, I don’t know what my design style is. With work, life, taking care of family, I really don’t have time to focus on specific design style. All I know is that my family and I like clean lines with neutral colors. I went on to the HGTV website and took a quiz and it showed my design style is modern cottage chic. All that matters to me is that there are clean lines.

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That being said, with the additional of the beautiful stove top, I wanted to continue the theme. Hence, I went online to Etsy to find something personalized and had woodwork motive. I went found this store, know as CopperFoxCompany with some unique items. I found this beautiful tray with matches our coaster bark color. Hence, I went online and thanks to a promo code was able to save on my order.

The seller was very nice, and I was very impressed with the final product. I now have a very beautiful way to organize and display my coasters. It feels less cluttered. I was impressed by their service, so I decided to share it with you. They were very kind to offer me 25% promo code for my viewers and readers. Check out their other items:

I am not affiliated not CopperFoxCompany in any shape of form. I am not getting paid to promote their product. I am glad to share my good experience with you. If you like what you see please use the link here and use the promo code Allaboutme31 to receive 25% of your order. It can be great DYI project but I just don’t have that patience. I want to admire and appreciate the individuals who take their time to do such wonderful works and I want to help small business. So, please check them out. However, if you do have a chic DYI project of your own, please share, I would love to see and appreciate your talent.

My dear lovelies! Please stay safe and I know together will overcome these tough times, because we are the people of the United States of America. United we can do and overcome anything.

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A Virtual Tour of Our Organic Garden

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Hi there my lovelies! Hope you all are doing well and staying safe. Today, I will give you a virtual tour of our organic garden. I want to start by giving a shout out to my amazing dad, who not only had to risk his life everyday during the stay-at-home order, to do his job, but also had to take care of my mom, who suffered through lingering pneumonia for 4 months, and aggravation of her interstitial lung disease.  During the past four months he wore the had of a heroic essential worker, a super dad, and home maker, and a loving and care husband. We love you Abbu (dad).

With everything going on, he also took care this our beautiful organic garden. He did not add any pesticides or artificial stuff, but only organic compost and soil, and organic food.  Today, I am very proud to share with your the fruit of this labor, and hard work. Hope you enjoy this garden. Please share and comment to give a shout out to my amazing dad, who not only rose up to the occasion when needed but also nurtured my mom to 85% better health.

Hope you enjoyed my post as much I enjoyed writing it. What kind of vegetables, fruits, and flowers are you planting in your garden? What tips can you provide for a vibrant garden? What did not work for you?

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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How to Boost Your Credit?

Hi there my lovelies! Hope you all are doing well and staying safe. Are new to credit and don’t know how to boost your credit, then you are in the right place. Today, I will talk to you about building credit.

What is credit?

According to Experian, credit is the ability to borrow money or access goods or services with the understanding that you’ll pay later. Lenders, merchants and service providers (known collectively as creditors) grant credit based on their confidence you can be trusted to pay back what you borrowed, along with any finance charges that may apply. Having a good credit is crucial in get home, auto loans, low interest personal, student loans and credit card.

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Your credit history is summarized in files known as credit reports, compiled by three independent credit bureaus—Experian, TransUnion and Equifax. Banks, credit unions, credit card issuers and other creditors voluntarily report your borrowing and repayment information to the credit bureaus. It is important to ensure that your credit report is showing accurate information. You are entitled to one free credit report every year. Just go to annualcreditreport.com and pull your credit report every year. It will also give you red flags on any potential fraudulent charges.

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How does credit work?

Nowadays, creditors typically look to your credit history—your record of borrowing and repaying funds—as a first step in determining whether to issue you credit. It is important to have a good credit history. The higher and positive your credit history, the better your credit score. Any delinquencies in your credit history will negatively negative effect your credit score.

Credit score is three-digit number that is used to narrow creditors’ lending decisions. It often used as the first step in deciding whether or not to issue credit. Your credit score provides the information on your credit reports to something that’s easy to interpret, and does so in a fair way that minimizes the possibility of bias. You can get your free credit score at Credit Karma.

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Why is credit important?

A good credit is needed in every steps of your adult life. Landlords may check your credit when deciding if they’ll rent you an apartment or determining how large a security deposit to require.  Insurance companies may use your credit scores as factors in determining your rates. As mentioned above, utilities companies may check your credit before deciding to let you open an account or borrow equipment. Credit is a tool that can help you buy things you need now and pay for them over time. If you want to apply for federal jobs, your credit will be pulled to verify your identity, and for other purposes defined by federal law.

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How to boost your credit?

In order to boost your credit, don’t expect results overnight. Credit restoration takes time, often six months or more. It’s never a bad idea to consult with a credit expert if you have questions. Moreover, dealing with debt goes hand-in-hand with taking a closer look at your spending habits. Don’t bite more than you can chew. Check out my post on my own current journey towards financial freedom. When you apply for job, your potential will pull your credit history as part of your background check and making a hiring decision. Credit is also important to buy phones, through money payment, or even get a credit increase.

a. Pay your bills on time:

Paying your bills on time is key to any attempt to improve a credit score. you don’t have to pay off your bill. You just have to make sure that you are at least making the minimum required payment on time. If you are having problem paying your bill, please explain the your current financial situation with your credit. They will often work with your to make a plan without negatively effecting your credit. However, if you just miss your payment that will have a negative effect on your credit and a pattern of doing it over the years can be quite long-lasting.

b. Balance your credit:

Another way to inch your credit score higher is by thoughtfully managing the type of accounts you have open, including limiting consumer credit accounts (credit cards, store cards, store lines of credit). Credit bureaus look for a nicely balanced credit portfolio of things like a mortgage, car loan, student loan, and consumer debt. However, one mistake you can have is having a lot of cards. If you have an account that you are not using, just close the account. When I close an account, I just make sure I am not closing my oldest card because having a long credit is important.

c. Credit history length.

Credit agencies like to see accounts that have been open for a more extended period of time and managed responsibly since the account opening. You can check the length of of your oldest credit in your credit report and then can help improve your score by closing some of the recent ones.  That’s why, before closing accounts, double-check how long they have been open. Accounts that have a more than 10-year credit history are actually helping your score.  Only close accounts that are only few years old.

d. Minimize hard inquiries:

Every time you apply for new line of credits or credit cards, your credit report if pulled, which is known as hard inquiries. That can have a negative impact on your credit score. Hence, if possible stop applying for knew credit cards. If your goal is to improve your credit score, then minimize the new credit application, even better if you stop applying for new line of credits. Before closing accounts, double-check how long they have been open. Accounts that have a more than 10-year credit history are actually helping your score.

e. Improve Your Debt Ratio:

This is very important. Credit agencies prefer to see consumers with a credit utilization ratio of less than 30 percent. Your credit utilization ratio is the total of your outstanding debt as a percent of all of your credit limits combined. Try to aim to keep the ratio below 5%. The lower the better. If all your credit cards have balances near the limit, your credit score will suffer, since your debt ratio will increase. A great, fast way to raise your credit score is to keep your credit utilization low. Additionally, in order to boost your credit score in under six months, pay off all of your credit card debt.

f. When paying of your credit balance – do so in steps:

If you are paying of your credit balance don’t pay off in one payment. The reason to do it this way is most credit card companies won’t reflect a paid-off account for a few months. So, just pay it down first, and they will report your account with a low balance, which will increase your scores. And then pay it off entirely. This is will have a more positive impact on your score. When I received my first credit card, I would always pay it off right away and did not see any improvement on my report. It’s during that time I dad told me about this, and before I knew it, I started to see boost in my credit score.

g. Ask for Credit Limit Increases: If you don’t have the financial ability to pay off your credit cards in order to get them below a 30% utilization ratio, ask for credit limit increases, which gives you more available credit and therefore boosts your score. The key here is to be responsible with the limit increase and not start spending more.

h. Choose one card and use it responsibly each month:

Select one credit card and use it every month for expenses that you would typically pay for with a debit card or cash. And then, be sure to pay this card in full every month. However, in order to boost your credit, be sure to get your statement first and then pay off the balance. This way you will have something reported to the credit bureau every month. In addition, not only is something being reported to the credit bureaus. The bureaus are seeing that you are paying a bill in its entirety, consistently.

My dear lovelies! With lots of patient and using your credit responsibly, you can boost to credit and have a sound financial health.

Hope you enjoyed my post as much I enjoyed writing it. What other steps have helped improve your credit score? Please leave your feedback. Let us work together to lead create a sound financial health for ourselves.

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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Nine Tips to Make Your First Time Home Buying Process Easier

Hi there my lovelies! Hope you all are doing well and staying safe. Have you made a major decision in your life only to regret it later? You specially don’t want to do it when it comes to buying house for the first time. Trust me, I have been there. Home buying process for first time home buyers is already intimidating, full of uncertainty, painful, full of anxiety, and stress. Hence today, I will share with you five and more tips to make your first time home buying process much easier.

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  1. Know how much you can afford:
    This is a crucial step because going into the home buying process without knowing how much you can actually afford can lead to financial hardship down the road or even foreclosure. I have seen this happen. You don’t want to buy house for a price, which is higher than you can actually afford. You should be able to pay you monthly mortgage and have at least 3 to 6 months of payment reserved. The general rule of thumb is the monthly mortgage plus tax and insurance should not exceed 30% of your gross monthly income. The lower amount would be even better. This way you will have some buffer room. Moreover, always anticipate additional expenses outside your monthly mortgage payment. As a home owner, you are responsible for all repair cost. Most homes have home owner association (HOA) monthly fee, so do count that as part of your monthly mortgage payment plus taxes and insurance.
  1. Get Pre-qualified for home loan:
    Many sellers will not even let you make any offers on your home without been prequalified for home loan. This is actually a great way to have your ducks in row. You will know how much you can afford. Do shop around. It’s sometimes hard to get loans from big banks. Check out your local small banks and credit unions. Lending Tree is a great site where you can shop around for your loans.

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  1. Get your credits in order:
    Make sure that your credit is in order. I will add another post on how to boost your credit. You can check your credit for free at annualcreditreport.com. You should check your credit report every year to make sure your account in good shape and there are no discrepancies. Additionally, you should also know your credit score. Credit Karma is a great site where you can get your credit score for free. The higher your credit score, the better the interest rate you will qualify for. Not many lenders would not even consider your loan application below 620 score.
  1. Save for your down payment and closing cost:
    The amount of down payment will depend on the type of loan you are getting. There are various type of loans available:
    i. FHA Loan: FHA loan is issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans. With FHA loans, your down payment can be as low as 3.5% of the purchase price. You’ll need a credit score of at least 580 to qualify. If your credit score falls between 500 and 579, you can still get an FHA loan provided you can make a 10% down payment. With FHA loans, your down payment can come from savings, a financial gift from a family member, or a grant for down-payment assistance. Majority of FHA loans require you to may a premium mortgage insurance (PMI) each month. This added expense can drive up the cost of your monthly mortgage payments and, overall, makes your loan more expensive. However, it’s almost unavoidable if you don’t have a 20% or more down payment saved up.
    ii. Conventional Loan: A conventional mortgage or conventional loan is any type of home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies. Conventional mortgages typically have a fixed rate of interest, which means that the interest rate does not change throughout the life of the loan. Conventional mortgages or loans or not guaranteed by the federal government and as a result, typically have stricter lending requirements by banks and creditors. No property is ever 100% financed. In checking your assets and liabilities, a lender is looking to see not only if you can afford your monthly mortgage payments, which usually shouldn’t exceed 28% of your gross income. A credit score of at least 680 and, preferably, well over 700 can be required for approval. Also, the higher the score, the lower the interest rate on the loan, with the best terms being reserved for those over 740. Typically, adown payment of at least 20% of the home’s purchase price readily available. Lenders can and do accept less, but if they do, they often require that borrowers take out private mortgage insurance and pay its premiums monthly until they achieve at least 20% equity in the house.
    iii. VA Loan: A VA loan is a $0-down mortgage option issued by private lenders and partially backed, or guaranteed, by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage. Service members with a history of bankruptcy or foreclosure can secure a VA loan. Even borrowers who have had a VA loan foreclosed on can still utilize their VA loan benefit. The VA’s guaranty eliminates the need for any mortgage insurance or mortgage insurance premium, helping borrowers save even more money each month. However, there is the VA Funding Fee. This fee helps the VA keep the program going and is required on both purchase and refinance loans. It can be rolled into the loan amount and waived entirely for those with service-connected disabilities. The VA funding fee is 2.3% of the amount borrowed on a VA home loan. The fee increases to 3.6% for borrowers who have already used the VA loan program in the past. However, the funding fee can be reduced by putting at least 5% down at the time of closing.
    iv. USDA Loans: USDA loans help moderate- to low-income borrowers buy homes in rural areas. You must purchase a home in a USDA-eligible area and meet certain income limits to qualify. Some USDA loans do not require a down payment for eligible borrowers with low incomes. Credit requirements are more relaxed in USDA loans, and you don’t need a large down payment. Nonetheless, you should expect to pay mandatory mortgage insurance premiums that cannot be canceled on some loans.
    Closing costs, also known as settlement costs, are the fees you pay when obtaining your loan. Closing costs are typically about 3-5% of your loan amount and are usually paid at closing. Typically the buyer pays closing costs, though sometimes negotiations between the buyer and the seller can lead to the seller paying some of the closing costs. However, don’t count on it.

5. Get a good real estate agent:
Having a knowledgeable real estate agent if crucial a good home buying experience. You can get an agent specializing in buying and selling, or someone who specializes just in buying homes. I would rather go with the later one since this way you will assured that the agent is not trying to get you to buy one of his/her listing. Ask your family and friends for recommendation and also do your homework. You would want agent who has sold many homes than some who sells 1 or 2 homes a month. My agent was horrible who did not want to do much research. He put a lot of pressure on us to buy soon. Don’t go with anyone, who is only interested in their commission and does not understand what you are looking for in a house.

6. Study the neighborhood:
This is very important. If you heard the phrase ‘location, location, location’, it is very true. Do your homework on the neighborhood you are interested in, it’s school district, walkability, and convenience to groceries and other stores. If you a city dweller and am looking to buy in suburb, make sure you know what you are getting into. I grew up in the city, never owned a car, and was used to walking everywhere, relying on public transportation and everything in walking distance. When I bought my first home, I went from a neighborhood with walk score of 98 to one with a walk score of 22, which meant I had to invest on a car after buying my house. It added additional monthly cost (both car payment and car insurance payment) to my monthly expense. Additionally, you don’t want to buy a house where there are mostly rental properties. Your house price will not rise much and it will be harder to resell.

7. Don’t invest on anything big:
Before buying your house, hold off on buying any big purchase, such as large furniture, car, because this may effect your credit score. Making any large purchases will increase your loan and will put a dent on your credit. Do take that info account.

8. Get your home and termite inspection done:
This is very important to get this done, because as a first time home buyer would not want to move into your first home and find one issues after another. When we had our home and termite inspection done, there were several issues, including broken washing machine and garbage disposal, mold and termite issue. That should have been a red flag for us. However, our agent negotiated with the seller to fix all those issues and assured us that all the issues were taken care of. However, down the road we found that there were issues with the dryer, and the seller patched up some termite damages on the stairs without fixing the issue. We had to end up replacing the entire stairs, which was expensive. You want to make sure that the major appliances are in great shape. This again when a good real estate agent can be of great help. Our agent told showed us that all appliances where brand new and we should be good for a long time. However, after buying the house we found out that the dishwasher was not connected to the waterline properly when meant that the dishes never dried. I should not rely completely on your agent but at the same time you want someone who is empathetic and understanding.

9. Get home warranty:
Make sure that you have home warranty before buying your house. One of the great thing is most sellers do offer some sort of home warranty. Our real estate agency paid of our first year home warranty. That was a life saver, because after we moved into the house during summer, our hvac and water heater stopped working. That was a big hassle because it was hot and painful to be in without working a/c. Thanks to the home warranty we got the issues fixed and just paid the deductible. The warranty was specially helpful when my hvac system died on me. My warranty helped to replace it for me. Now, home warranty is regular part of home payment.

My dear lovelies! I wish someone told me these tips before I bought my house. Home buying can be chaotic, painful, hassling, nerve-racking, and even hectic. However, the above tips will make the first-time home buying process much easier.

I hope you enjoyed this post as much as I enjoyed writing it. Have you recently bought you first home? I would love to hear about your experience and feedback. Please share your first time home buying experience and what tips would you provide to first time home buyers?

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My Journey Towards Financial Freedom

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Hi there my lovelies! Hope you all are doing well and staying safe. As we are all struggling to find some sort of normalcy, many are dealing with being laid off , due getting laid off, furloughed, and/are struggling to pay their rent/mortgage and bills.

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I am grateful and extremely thankful that I had and still have a full time job. However, due to the rising cost of everything and other issues, I have racked up a hefty credit card debt. on top of my student  and car loans, and mortgage. Me, from a year ago, would have been devastated with constant panic attacks. Nonetheless, one thing the pandemic has taught me is that life is too short and there is no point getting sick about all things though I have become an insomniac. I am still a human.  As someone with ADD, it’s very easy for me to loose track of things. Today, I will share with you my journey towards financial freedom by following few rules.

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  1. Hide Credit Card: The first thing that I did is put away all my credit cards away to a place where I don’t have easy access to .
  2. Create a Spreadsheet: As a  data person, I do much better if I can visualize where I am now and where I want to be. The spreadsheet showed me the credit card balance, student loan, car loan. I then subtract the amount I pay each month minus the interest charge to estimate of about the time frame when I can realistically pay off the my credit card debt.
  3. Look at the Spreadsheet Periodically: I periodically check the spreadsheet and compare it against the actual balance. Seeing the trends of lower balance acts a positive reinforcement for me. It encourages me to stay on the current path towards debt elimination.
  4. Staying on Budget: Finally having a written budge and sticking to that budget allows me to stay on track and avoid paying late fees.

My dear lovelies!  I am still int eh early phase of my journey towards financial freedom, but with your moral support, I hope to stay on track and reach the finish line. I would love to hear about your strategies in gaining financial freedom. Any advice I get will be of tremendous help to me.

One thing that  have learned for sure that loosing hope is not an option for me, because it’s contraindicated for someone living with ADD and generalized anxiety disorder.

I hope you enjoyed this post as much as I did sharing my journey with you.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

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Easy way to invest for your future

Hi there my lovelies! Hope you all are doing well and being safe. Have you thought about investing but don’t know where to start. The past decade I have been struggling to figure out a way to invest outside my 401k. To be honest, the word invest intimidated the heck out me. Where do I even start? I can’t afford invest a lot of money. That is when I found out about Robinhood. It’s a free investment platform, where you can buy fraction of a stock like google, Amazon, Apple, Facebook, Netflix for as low as $1.

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There are several companies that provide free investment opportunities. Firms including Charles Schwab, Robinhood, Square, SoFi and Stash all allow investors to buy fractional shares of individual stocks and, in some cases, ETFs, for $1 or more. I ended up choosing Robinhood. The process of signing up was quite simple and easy to follow. I am not investing outside of my 401k for retirement. I am investing to use three to five years down the road.

My dear lovelies, if you are putting off investment because it’s intimidating, or you don’t think you have enough to invest then check out the above firms. Hopefully, the investment process will be simple and smooth for you and you will well on your way to a better future. If you don’t know where to invest consider the following recommended by Motley Fool: Amazon, Apple, Facebook, Google, Microsoft, Netflix, Chewy, Fastly, Zoom, Shopify, Square, Oka.  Motley also highly recommends their “FAZER stocks”.  (F-Fastly, A-Appian, Z-Zoom, E-Elastic, R-Roku.  I am in no way a stock expert. I have a novice. But doing some research and following expert recommendations, my stocks increased between 0.85% to 286.26%. Don’t get me wrong I have dozens of stocks which decreased from 0.07% to as high as 55.13% since I started investing in late January. However, the one thing that I have learned is in order to succeed you have be in for a long run. Hence, I am patiently waiting. I have learned not to look at my stocks everyday and mini anxiety attacks.

Ups and downs are the name of the investment game. However, if you sell your stock every time it goes down, you will not succeed. Your goal for investment should be at least 3 to 5 years.  Trust me, it’s a learning curve but with patients and doing your homework will lead you to success. As for me, before deciding to panic about my stocks, I try avoiding looking at my stocks everyday and just keep my eye on the finish line and l know that it will be all worth it at the end. I have sold some stock based on my homework, but those were exceptions based on expert recommendations.

Hope you enjoyed reading this post as much I enjoyed writing this post. During this time of uncertainty, it’s very easy to lose hope. Trust me, I am sleepless thinking about the amount of debt I have. However, if we stay focused and stay on our path, we will overcome. I would love to hear your feedback about investment: what worked for you and what didn’t. Wish you the best on your investment journey. If you have any questions don’t hesitate to contact me. I will be honored to share my experience, as a novice myself.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

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Taking Your Ordinary Vase from Meh to Yeh

Hi there my lovelies! Hope you are doing well. Today, I want to talk about turning an ordinary base from meh to yeh. It does not cost you much.

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I if you have ordinary vase you can really make with really interesting without spending much money. I had this white ordinary vase that I wanted to change into something exciting without spending much money. One way I did that did that is using temporary tattoos. I found this beautiful floral tattoo from Amazon. The tattoo only cost $6.99, but it took my ordinary white vase from meh to yeh.

You follow the instruction to apply the tattoo into the vase and when you want to change the tattoo to a different one just remove it with a nail polish remover. It is just simple.

Do you like this simple idea to glam up your ordinary vase? Please comment below. I would really love to hear your feedback.

Hope you enjoy this post and as much as I love writing it. Don’t forget to check out my Facebook Page and follow me on Instagram @allaboutme3181. Are you on Bloglovin? Let’s add each other. Please follow me and comment below with your information so that I can follow you back.

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