Category Archives: Lifestyle

3 Financially Smart Ways for the New Year

January 27, 2025 By in Lifestyle Tags: , , , , Leave a comment

*Collaborative post.

The New Year is in full swing, and January is almost over! This is the best time to get finances in check to ensure a smooth sailing year. If you are into New Year’s resolutions, having a financial New Year’s resolution is the way to start right. Although financial well-being is important and is linked to both physical and mental health, many of us still shy away from thinking about it. So when it comes to financial planning, retirement funds, life insurance, budgeting, and anything to do with money management, many rather stay in denial. This should not be the case. Financial planning is not as daunting as it seems, and here are 3 financially smart ways to prove it –

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Look up term life insurance cost

Having life insurance is one way to be financially smart if you don’t have a cover in place already. Getting life insurance is required if you are looking to plan for the unexpected. It also helps to ensure your family is protected.  If finances are stretched, you could look at getting a term life insurance cover, which simply means your beneficiaries would get a lump sum if you were to pass away while the cover is still active.

Many people may prefer this type of life insurance coverage to the whole life insurance coverage, which provides coverage for your entire life. You could do some more reading on term life insurance cost to find out more about this life insurance coverage, and to see if it suits your needs. There are many options for life insurance coverage in the market, so there should be a cover for almost everyone, don’t let the cost of life insurance put you off. Having a life insurance cover in place is one of the most important financial smart ways to kick off the year.

Sort out your household budget

Looking at your income and expenses, and planning a realistic household budget is a financially smart way to start the year. Sorting out your household budget should be one of the first things you do for the year. Morgan Stanley’s financial management tools are great for helping you analyse your cash flow in one place, so this is a great financial resource to start with for anyone looking to sort out their household budget.

Tackle the debt

Staying on top of debt is crucial with the various credit facilities many of us have. It is so easy to forget to make a payment to a credit card or to pay a bill. This is where having a direct debit set up can come in handy. If you find yourself swimming in debt and unable to stay on top of it, it may be best to speak with a financial adviser for ideas on how to best tackle the debt. A quick online should bring up lots of options for you to explore.

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So how is the new year going so far with your financial resolutions? Do you have any finance tips to share? Please drop them in the comments section. Thanks for stopping by, have a good one.

 

 

Decluttering and Minimalist Fashion

January 18, 2025 By in Fashion, True Stories Tags: , , , , , , Leave a comment

So, I started this year with a massive decluttering project. I got rid of many items in my wardrobe. All items that did not give me joy went straight to the trash bag, and it felt liberating. Over the years, my style has changed and it keeps evolving. I now prefer and value quality pieces over quantity, and I want to embrace minimalist fashion fully. This would be me buying only items I like and need, so no overconsumption.

Many of the clothing and accessories I got in the last year or so have been decluttered, so buying some more junk won’t be happening. Going forward, I am sticking to a capsule wardrobe and I would be adding a few select pieces and accessories to fill in some gaps over the next few months.

Decluttering and Minimalist Fashion

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Minimalist fashion is also going to challenge me to create more looks using the same items, which should be fun. I would be going for only quality pieces, so I plan on spending a bit more to get the accessories and clothing, as with most things, you get what you pay for. So it makes a lot more sense to spend a bit more in creating a capsule wardrobe, so it lasts longer.

I have gone past the phase of trendy clothes and I just want to keep my wardrobe uncluttered and simple, with quality items only. The Style DNA app is one of the new apps I have downloaded this year. It is not a free app, but I plan to have it just for one month, and the whole idea behind the app is to find your colour type (so colours that look best on you), style type, and body type. I have been playing around with the app, looking at different looks, and it is quite informative. If you are looking to dig into your style and improve your signature look, this Style DNA app is one place to start.

 

 

Perfume Review – Parfums de Marly Feminine Discovery Set

January 11, 2025 By in Lifestyle, Product Reviews Tags: , , , , , 2 Comments

Hey friends! Happy New Year! Welcome to the wonderful 2025! I hope you have all had an amazing start to the year. I came across Parfums de Marly sometime ago and fell in love with the sweet-smelling brand. Their perfumes are some of the best and smell so good. This Feminine Discovery Set was my introduction to the brand. I wanted to have a feel of what their feminine fragrances smelt like and opting for the discovery set rather than a full-sized bottle straightaway made a lot of sense. Plus, the £37 you put towards buying this Feminine Discovery Set could be redeemed as a discount when buying a full-sized perfume within a limited period.

Parfums de Marly Feminine Discovery Set

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The Parfums de Marly eau de parfum discovery set is a curated collection of splendid femininity. Discover the feminine range through a bespoke selection of seven 1.5ml scents. The set is the perfect olfactory curation, as it allows one to explore the best in traditional and modern perfumery. The feminine fragrances include the Maison’s iconic fragrances: Valaya, Delina, Delina Exclusif, Delina La Rosée, Cassili, Oriana, and Meliora.

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PROS
  • I love all the fragrances. They smell really good. My top four favourites are Valaya, Delina, Delina Exclusif, and Meliora.
  • My top 4 fragrances are very long-lasting. They stay on pretty much all day and a little goes a long way. You don’t have to overspray these queens at all.
  • I love how different each fragrance is, there is something unique about each perfume.
CONS
  • I didn’t fancy Cassilli and Oriana. I found them a bit too light, I tend to prefer beast mode/heavy fragrances. I liked Delina La Rosee but it wasn’t long-lasting.

Overall, I am stuck on Parfums de Marly. I have quite a few bottles already in my collection and I am looking to add some more. So keep reading, there will be lots of perfume review posts coming up.

 

 

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