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Money Talk – How Would I Spend One Hundred Thousand Pounds?

Money makes the world go round and the truth is money is never really enough for anyone. No matter how much you have, there would always be a need for more. I am all about making money legitimately and making my money work for me. In the last couple of years, I have been thinking long and hard about retirement, pension and investments. Also, I have been busy thinking about what I would do if I came across a large chunk of money. How would I spend one hundred thousand pounds? This million dollar question has popped up in my head many times and I always have an answer for it.

 

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Here are 5 ways I would go about spending it.

 

Pay the mortgage

The first thing I would do is to put some money towards the mortgage, in order to reduce the outstanding amount on it as much as possible. Living mortgage free is the end goal and that should hopefully happen in a couple of years. I can’t imagine having to pay accommodation bills in my later years. That thought is quite scary.

 

Go on holiday

I love travelling as many of you would know by now. I love to visit as many countries as possible every year. My current target is to visit at least 2 countries every year. I have smashed that target for three years now, and I am hoping to smash it again this year. So far this year, I have visited Maryland and New York in the US, and I have plans to visit one or two more countries before the end of the year.

If I had one hundred thousand pounds at my disposal, I would be putting some money towards our holidays. There are many other cities and countries we would love to explore, and it would be great to take some other family members with us as a treat.

 

Pay the debt

I would pay off all my debts. So all credit cards would be paid up in full, never to be used again. When it comes to money, I am very sensible. I am more of a saver than a. spender, so I am not as deep into debt like many others I know. But paying the little debt I have would be a smart way to go financially.

 

Save and invest

As the saver that I am, I will be putting a huge chunk of the money into a savings account; most likely an ISA. And invest a huge chunk into stocks and shares for the future.

 

Home improvements

I will definitely use a percentage of the money on home improvements. There are a lot of changes I would make to our home decor if I had the money to splurge. But since I don’t have that yet, it is a waiting game.

 

How would you spend one hundred thousand pounds?

 

 

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AfriCrafts Hand Crafted Leather Earrings

If you know me well enough, you would know I am very into jewellery, with earrings being at the top of the list. I have a thing for earrings, which is why I had to get an extra set of holes pierced some years ago, so I could wear more of them. Plus, I have a thing for studs, so it was a perfect way to wear my earrings and studs at the same time. My love for earrings has been on for as long as I can remember. I love the fact that I can look all dressed up with a set of stunning earrings on and not worry about putting on any extra piece of jewellery. You can finish up your look with the right earrings.

I recently came across an amazing Hand Crafted Leather Earrings online store – AfriCrafts Boutique some weeks ago on social media. And I have fallen in love with the stunning hand crafted leather earrings. I think the designs are really pretty and colourful, which is perfect for the season. The fact that the earrings are unique and handmade in Africa makes them even more appealing. These are not earrings you will be seeing just anywhere. AfriCrafts Boutique stocks really beautiful big and bold earrings. They are all hand crafted leather earrings in plain designs, and they look super stylish.

Here a couple of the AfriCrafts Hand Crafted Leather Earrings that caught my eye

 

The Hot Pink £15

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I am a huge fan of the hot pink shade, so I am usually attracted to pieces and accessories in that shade. This beautiful set here is so easy on the eyes. I love the design and colour. It would be a great addition to my jewellery box for sure. None of my earrings look like this pink pair here, so I think it is time to spice up my jewellery collection.

 

The Gold £15

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The AfriCrafts Earrings come in various shades so there should be a set for everyone. This gold pair is so trendy. I love it so much. You can easily make a fashion statement wearing this set of gold earrings, paired with almost anything. I adore the big and bold design. It screams style from a distance in a subtle one.

 

The Nude £15

AfriCrafts Hand Crafted Leather Boutique Image

 

This nude pair is so trendy. You can wear this with anything and add something special to your look. I really like this nude set because it is dead easy to style. I can wear it with anything which is great. The shape also caught my eye. I can clearly see myself rocking this.

 

The Mustard £15

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This pair of mustard earrings is my favourite. I really like the colour and the shape of the earrings. This is a very unique design and style of earrings and I think it is really pretty. Adding this to my jewellery box would be amazing. I have styled this pair of mustard earrings with many outfits in my head already.

 

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I am a huge fan of these leather earrings. Good to know they come in various colours and shapes. They are also super affordable at just £15 a pair or £25 for 2 pairs. You can also buy 4 for £60 and get a 5th pair for free. Check out AfriCrafts Boutique here and stalk their designs on social media –

 

Instagram – africrafts_boutique

Twitter – Africraftsb

Facebook – AfriCraftsBoutique

 

What do you think of these leather handmade earrings?

 

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Frugal Fashionista: Save Money on Clothes This Summer

Summer fashion is a lot of fun, unlike during the colder months you can pretty much wear what you want and don’t need to worry about covering up to keep warm. The dresses, sandals, skirts and shorts all come back out, and you can enjoy bright colours and bold patterns that perhaps don’t work as well during the other seasons. However buying new clothes every season can be expensive, thankfully there are ways you can save money and still look a million dollars.

 

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Buy Versatile Staples

If you buy versatile items that can be dressed up and dressed down, you’ll find that you always have something to wear. Whether you need something to wear at a wedding, a christening, your friend’s barbeque or date night with your partner, you’ll be able to adapt your outfits and feel like you have something unique to wear without having to buy lots of items.

Simple summer dresses work well here, team up with a blazer and heels for a smart summer evening look, and with sandals and a kimono for a casual daytime outfit. If you choose well, you can even wear some of these dresses into the autumn too, simply pair up with tights, boots and a cute leather jacket.

If you know you have lots of occasions coming up and don’t have the budget to be able to afford lots of new outfits then this is a great way round it. Purchase some inexpensive accessories to customise each look, for example some statement jewellery for evening, a couple of hats and some sunglasses for practical daytime accessories.

 

Check Out Charity Shopsr

If you’ve always turned your nose up to the idea of charity shops then it’s time to think again. Not only can you snag yourself some amazing items at bargain prices, but the money from everything you buy will be put to a good cause.

Sure, you probably won’t be able to find your whole summer wardrobe in here but they’re well worth taking a peek in every now and again. Chances are at some point you’ll find a fantastic item for far less than you’d pay full RRP. Often charity shop clothes are nearly new or have only ever been worn a few times, sometimes you can even find brand new things in there.

 

Host a Swap Party

All of us have clothes in our wardrobe that we don’t really wear. Perhaps they were impulse buys or maybe we didn’t try them on in store and when we got home realised they didn’t look good. For some reason or another maybe we didn’t get around to taking them back and they’ve sat collecting dust ever since.

Lots of us hold onto clothes with the intention of losing weight and wearing them again one day, or in the hopes that they’ll come back into style. Instead of them sitting around taking up space, why don’t you and your friends all grab the items you don’t wear and host a swap party? You can all have fun trying on different things, and you each might find a couple of pieces from the other’s closets that work far better on you.

 

How do you plan on saving money on your fashion pieces this summer.

 

*Collaborative post.

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