Spilling Life Tea

Blog about all things lifestyle, home, fashion and being a woman.

The Ultimate House Renovation Guide

When you plan to renovate your house, the thought alone brings a lot of confusion. It happens if you don't know where to begin - you can think of ideas over and over without settling on things to give the priority. 

But, when you have a checklist, it can give a brief layout on how to roll out the plans. This way, you can spend your money in better ways, know the areas needing a complete overhaul, and improve your taste. 


You can move from room to room while noting down on a notebook. You will know the type of work to be done in the rooms and the sequence of work. Here's what to look for when planning to renovate your house:


The Cost

While it is good to dream about making a change, its best when put into a reality. And you have to incorporate your finances in the process not to get disappointments when the changes are not met. 


Know your budget for the remodeling and see if it will bring out changes to your expectation. Having the amount to spend will help you not to underspend or overspend but to plan for the process effectively. Also, you can have a vote head for miscellaneous funds to assist in achieving satisfactory results.  


Time

When planning to renovate a house, time is of the essence. It would help if you were awarded ample exercise time to get the desired results. This way, even the workmen who will execute the final works will work with a lot of ease.

Begin by knowing the time you want to have the house completely done. Then spiral down to delays that may arise from late delivery of materials, loan processing, or a contractor axing a contract. If you can allocate time appropriately, then you'll have a time-frame to work from conveniently.

Free stock photo of adult, apartment, Art therapy

Image By Thirdman from Pexels

Materials to Use

When you want to remodel, choosing the right materials will help you get the results you've wanted all through. Go for a professional renovator who knows the design you want and can offer it at the best rates with the right materials.


Abide by the recommendations given by the expert renovator on materials. However costly they may be, do not compromise the quality. Heed to their requests for successful custom home renovations.


Do Some Research

Sharing is caring, and when you open up to people about the renovation plans, you can get essential ideas. From the best renovators to ideal materials to use and the proximate cause, you'll know what to expect. 


You can also surf the internet to get a glimpse of what awaits you. Besides, these are some of the avenues people gain information. From there, you can have the professional contractor for the project and sign a contract. 


But the bottom line remains extensive research to get the best professional work. Remember to go through the contractor's works and talk to the previous customers before the full engagement. 


Conclusion

Planning a home renovation doesn't have to be an uphill task. Through early plans, managing time well, selecting the right materials to use, contracting a professional renovator, and doing some research, you are bound to get the perfect house makeover.




Massive mothers day competition 2021

I have teamed up with some of the UK best and most exciting bloggers. To offer you an amazing mothers day competition. I love to have the opportunity to give back to you my lovely reader and without you, this little site would be nothing. I hope you love competitions as much as I do. I love nothing more than a bit of comping and dreaming of the prizes I could win and I think that you will be over the moon with the prizes we have on offer. I am sure you will love this as much as I love you guys. I know corny right but I am so so thankful for each and every one of you who read this and I really am blessed to have you here on my site and reading my posts and joining me on this crazy journey in life. 

Enough rambling from me. Good luck and happy entering. 

50 UK bloggers have come together to offer one lucky winner a bundle of incredible prizes! We will be announcing the winner on Mother's Day so what a wonderful surprise for one lucky winner or the lucky winner's mum! With such a variety of prizes this is also an amazing Mother's Day Gift Guide to help you get ideas and inspiration for presents this Mother's Day.

Hair Salon at home in lockdown with Jose Eber

Is your mum missing being able to go to the hair salon? Then why not bring the hair salon to your mum! We have a fabulous bundle of Jose Eber goodies for the lucky winner including:

Jose Eber HST Infrared Wet / Dry Flat Iron


Get the perfect style with the José Eber HST Infrared Wet/Dry Flat Iron which uses far-infrared light technology resulting in frizz-free and shiny hair. The extra-wide high gloss plates with vented holes work on all hair types, wet or dry.  

Jose Eber Hair Mask Deep Conditioning Hair Mask



Give your hair a treat and make damaged, dry, frizzy hair smooth and manageable with the Jose Eber hair mask. The heat insulating cap gives your hair a deep condition. The mask contains essential proteins that restore healthy hair and is infused with argan oil for a silky soft shine. This really brings the salon experience into your home.

Jose Eber Comb


Use the Jose Eber Multi Use Styling Comb to separate sections of hair so you can flat iron or curl easily. Professional salon stylists everywhere suggest using a styling comb when styling hair. As you straighten your hair, this comb can be used to help prevent tangles and pulling.

Damascus 100% Silk Scarf by Rory Hutton


Rory Hutton is an artist, designer and historian who brings together history and art with stunning style in the form of his beautiful scarves and shawls. We are so happy to be able to offer as part of this prize bundle the gorgeous Damascus ScarfInspired by the iconic tiles of Damascus, this silk scarf was created in partnership with The Hands Up Foundation, a UK Based charity.

Made from 100% silk, not only is this scarf beautiful, but an amazing 20% of the profits raised from sales of the scarf goes towards supporting The Hands Up Foundation's educational projects and medical centres in Syria and Lebanon. As such this makes a truly special gift this Mother's Day for stylish mums who want to see a better world and support a charity who work towards making a positive difference to people in need.  

Gold Splash Camera Bag with tassel by Le Jaana

These brand new camera bags from Le Jaana are the perfect bag to take from day to night and we have the stunning Gold Splash Camera Bag to give away to our winner. Practical for the daytime and glam enough for the evening, the bags are made by local artisans in India where Le Jaana strives to empower women in rural communities to create a living for themselves. The long strap is adjustable and detachable. This bag is absolutely gorgeous, beautifully made and will make a wonderful gift this Mother's Day. 

The Urban Botanist: Mothers Day Jewel Terrarium

This is a truly unique and stunning gift for Mother's Day. The Jewel Terrarium is fully assembled and has been crafted from copper soldering and plates of glass, to create an eye-catching and elegant piece of art. It comes with 3 stunning rose quartz heart crystals resting next to a dusk pink preserved rose head. Overall a totally unique, thoughtful and eco friendly gift.

The Urban Botanist have an whole range of Mother's Day Terrarium and Eco-Systems which make the perfect gift for mums you can't see this year!

Wakuda: Goddess Self-Love Ritual Set

Is your mum a Goddess? Then the Goddess Self-Love Ritual Set available from Wakuda is the perfect gift for her! Wakuda is an online marketplace championing and supporting independent Black-owned businesses in the UK. Currently hosting more than 200 Businesses, their core aim is to enable consumers (of all races) to discover and support some of the best Black-owned businesses through their platform who are historically underrepresented in the UK. You can purchase anything from the edible to the smellable, the drinkable to the wearable.

The Goddess Self-Love Ritual Set comes with the Divine Goddess Self Love Bath Soak with all natural ingredients to support the creation of a ritual bath routine that cleanses, soothes and relaxes your muscles all at the same time. The set also includes a beautiful Rose Quartz Statement Necklace, for protection and good vibes, and a Miniature Manifestation Garden.

Bamboo Picnic Dining Set for four from Green Tones

Our lucky winner will receive a fabulous 12-piece, recycled, colourful bamboo picnic dining set in the colour of their choice. The set includes bowls, plates and cups for four. Ideal for picnics, parties, camping and caravanning or durable enough for repeated use at home. Dishwasher safe and BPA free the dining set has been moulded in a bamboo fibre, a composite mostly comprising recycled bamboo powder. It will put a smile on any mum's face this Mother's Day and is absolutely perfect for those summer days which are just on the horizon! 

Blank 10 card bundle from lil wabbit

We are big fans of small businesses and lil wabbit is a small business worth shouting about. Georgi, the creator of lil wabbit, is a talented artist who designs each card. The cards are designed to bring a smile to the face of every single animal lover out there, and in line with this ethos, lil wabbit always aims to use materials that are the most caring to the planet and all its inhabitants. That's why we are so delighted to be able to offer the winner a 10 card bundle which each feature original watercolour designs. These are: 

King Panda, Bubblegum Llama, Schnauzer with Love Hearts, Tortoise with a Heart Balloon, I Love You Sloth, Big and Little Giraffe, Big and Little Penguin, Party Toucan, Big and Little Koala, Flamingo with Flowers

The cards are left blank inside for your message, so perfect for Mother's Day or any other special occasion. 

Tesalate Work Out Towel

The Tesalate workout towel is the perfect Mother's Day Gift for any gym loving mums or mums who love to go to yoga or exercise classes. The odour-free workout towel collection uses antimicrobial technology built into the workout towels which actually kills the bacteria found in your sweat and on gym equipment. The result? A towel that keeps you safe and clean in the gym, the studio, and beyond. What's more it's compact and light weight, and dries in half the time of a regular towel.

We have a fitness towel of the winners choice to giveaway. The winner can choose from all the amazing designs from Tesalate's website.

This Mummy Belongs To Personalised Necklace from inscripture

Glamorous yet graceful the This Mummy Belongs To Necklace can be engraved with the name of any child for a truly sentimental keepsake that you or someone special to you will love to wear. It’s a perfect gift for Mother’s Day, a beautiful keepsake to make any lucky mummy feel cherished.

Inscripture are the UK’s Leading Handwriting Specialists, an Award Winning family run business with a vision to create timeless, unique, sentimental and style savvy items to treasure forever. 

Rainbow Gratitude Journal from Três Paper Co

Focusing on the good makes the good better, that is what practicing gratitude does. Having a few moments each day to think of all the positive things you have experienced is a real gift which is why we are so happy this Gratitude Journal is part of our Mother's Day Prize Giveaway. The journal comes with guided pages for you to record three things you are grateful for each day, and there is also plenty of space for you to write as little or as long as you would like to, for one hundred days.

Designed in house and printed in the UK in 100gsm FSC-Certified paper, it comes wrapped in a recycled bellyband and also includes a card with Gratitude prompts, if you ever need a bit of inspiration. 

Daily Planner 'Make Today Count' Três Paper Co

Nothing says productivity like a daily planner where you can set your goals, write to-do lists, reminders and appointments. Even better if it helps you become more mindful about your well-being with reminders for water intake and 'Me Time'. This is exactly why this fabulous Daily Planner 'Make Today Count' from Três Paper Co is the perfect gift for busy mums who often put the needs of others first.  

Printed in the UK on 100gsm FSC-Certified paper, it comes with 50 tear-off pages and it is a handy A5 size so you can keep it on your desk or add a magnet on the back and hang it on your wall board or fridge.

Nurses Rose Marble Engraved Leather Fob Watch from Engravers Guild



It's time to thank our heroes with this beautiful Nurses Watch from the Engravers Guild. Perfect for key workers including nurses and carers or any busy mum. 
We have one Rose Gold nurse fob watch by Annie Apple with a stone leather strap to give away to our lucky winner. This nurse watch features thoroughly contemporary styling, showcasing a marble-effect dial, rose gold case and Arabic numerals, as well as a supple leather strap. The watch can be engraved by the Engravers Guild both at the front and the back to make this a truly personal and special gift.  It is presented in a signature Annie Apple box and will last for years to come. Follow Engravers Guild on Instagram @engraversguild  for more gift ideas this Mother's Day. 

Fragranced Soy Candle from ChilliWinter

A GORGEOUS treat for yourself, or any Wonder Woman deserving a spot of indulgence! Take your pick from a collection of 25 luxury fragranced soy candles from upcoming brand ChilliWinter. With something for every nose, space and mood, these handmade beauties offer exceptional style, quality and a long burn-time. Even better, if you can't wait to see if you've won, we can offer you an EXCLUSIVE 15% discount until 14th March: simply enter MOTHERSDAY15 at checkout. Follow them on Instagram @chilliwinteriow for gift ideas and inspiration. 

White Framed Pink Floral Art Print 50x70cm from Abstract House

Abstract House is the destination for wall art prints and picture frames. This Pink Floral Art Print from the photography collection at Abstract House is a bestseller for Mother's Day and it's easy to see why. The beautiful print comes framed and will look stunning in any space. Our lucky winner will receive this 50x70cm print in a lovely handmade frame.

The artwork and frames at Abstract House are all produced here in the UK in their London studio to ensure the highest quality craftsmanship. They are made using FSC certified wood and paper, and also come with real solid glass, making them entirely sustainable with 100% plastic free packaging. The print has excellent colour reproduction and fade resistance. This is premium artwork made to last.

Choice of two Giant Biscuit Cake Moulds from MoldyFun

Lovers of classic biscuits will be thrilled to know that they can recreate their dunking faves in the form of delicious novelty cakes, with easy-to-use silicone baking moulds from MoldyFun. With MoldyFun’s selection of biscuit cake moulds you can rustle up a giant Jammie Dodger, Custard Cream, Party Ring, Oreo, Bourbon or KitKat cake at home; perfect as a real treat for Mother's Day, party centrepiece, an unforgettable birthday cake or as a lockdown treat. These Giant Biscuit Cake Moulds will also make the perfect Mother's Day Gift for any baking loving mum and our winner gets to choose two baking moulds from this fabulous range.

Scented treats from Village Wax Melt

Village Wax Melt is a small business offering high quality scented products without the luxury price tag. They have a wonderful range of products for Mother's Day and are gifting our winner with 1 crackling Wood Wick Candle, 1 Exfoliating Soap Sponge (perfect for dry skin and removing fake tan!) and two highly scented wax melt clamshells. A real treat for Mother's Day.

March's book for adults from Bumblebee



Bumblebee is the monthly book subscription that inspires your creativity! Each month receive a carefully curated book from a small independent publisher, plus clever creative prompts to inspire your own writing, drawing, making or cooking. Available for both children and adults, to encourage mindfulness and imagination.

Win March's book for adults, Superpowers by Mark A Radcliffe, along with a beautiful Bumblebee notebook - get creative inspiration through your letterbox! Find us here, or on instagram

Terrazzo Hanging Plant Pot from Scaramanga

This vintage style terrazzo hanging plant pot is a unique design from Scaramanga. The terrazzo design and strong stone material make this perfect to hang outdoors or indoors. The composite material creates a stunning splash of sophisticated colours to give any room a focal point to be proud of and will make the perfect gift for Mother's Day.

Scavenger Hunt Game from SEEKERS

Keep children entertained with these wholesome games so mum can get some peace and quiet this Mother's Day! You won’t hear "Please can I play a game on your phone?" even once! Feed their inner explorer with an outdoor seek and find game that you can take anywhere.
Ideal for getting children to enjoy the outdoors and away from their tablets and smart phones. Makes a regular trip to the park more fun and engaging with an activity that can last from minutes to all day! A different adventure every time for both boys and girls, young and old alike.
Check out SEEKERS Scavenger Hunt Game Starter Kit With Magnetic Board and SEEKERS Scavenger Hunt Game Add-On Pack - At The Park

Hand and Body Salve Cream Skincare Set 100% Natural Handcream Gift Sets

Brady’s Botanicals is a superior range of beauty products which are 100% natural, vegan & not tested on animals, they only use the best ingredients and the highest-grade essential oils giving you a spa like treatment but in the luxury of your own home. Their prize offering is our pack of 2 body salves.

Both their salve products are made from a super blend of garden herbs & fragrant oils in a plastic-free handy tin. Sweet almond oil helps repair & protect your skin against UV damage, the perfect moisturiser and great for dry and sensitive skin. Vitamin E to nourish & protect with a powerful antioxidant treatment which is easily absorbed into the skin. With blends of Lavender, eucalyptus and rosemary and chamomile, calendula and tea tree it’s the perfect gift set this Mother's Day.

Meet the Bloggers




Life of a Fisherman's Wife | A Guide to Gifts | Be Happy Be You | My Balancing Act | Five from the Switch | Gift Guides | Mummy and Me | Boxnip | My Three and Me | Welsh Mum of One | Simply Cash Hacks | Spilling Life Tea | All that Grows | Too Tired To | Live the Easy Life | Our Transitional Life | Accidental Hipster Mum

 

Mummy Saver Money Maker | Two Plus Dogs | Best things to do in Cambridge | Love Panda | Life with Jupiter and Dann | Paternal Damnation | Money Money Money | Easy Peasy Gardens | Scandi Mummy | At Home With Kayla | Blossom Education | Otis and Us | Love Dogs | 360 Mum | Side Street Style | Crazy Little Thing Called Love | The Geordie Grandma | Your Job Escape Plan | Mind Over Money

Adventures of a Yorkshire Mum | Cyprus Property Blog | Joleisa | 4 Freckled Faces | Savvy Dad | A Rose Tinted World | So nostalgic | Enjoy England For Less | We Made This Life | Big Family Organise Chaos | You Have To Laugh | Wotawoman Diary | The Making Mum | The Ninja Chef

How to Enter

You can enter by completing as many widget entry options below as you like. All entries will be collected and one winner will be randomly chosen. Good luck!

a Rafflecopter giveaway

Terms and Conditions

UK entries only
The giveaway will run from 12noon 1st March 2021 to 12 noon 14 March 2021.
The winners will be notified by email from rowena@mybalancingact.co.uk
The winner will have 7 days to respond after which time we reserve the right to select an alternative winner.
This prize draw is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, Twitter, YouTube, BlogLovin or Pinterest.
Prize open to over 18s only.
If any prizes are out of stock then we will do our best to find a suitable replacement.
Anyone who unfollows before the giveaway ends or doesn’t complete the required entry action will be disqualified.
The prize is non-transferable, non-refundable and cannot be exchanged for monetary value.
We may be using a parcel service for some of the prizes and their standard compensation will apply in the event of loss or damage.
Some items may be sent directly by the supplier and we do not have responsibility if these go missing and we cannot replace these.
In the unlikely event one of the companies withdraws a prize we cannot offer an alternative.
The winner's name will be stated on some or all of our blogger's websites and announced on twitter and other social media channels. By entering this prize draw you give your permission for this.






Supplements: Help or Hype for Healthy Eating

If you have ever wanted to lead a healthier life, the chances are high that you have tried all manner of shortcuts and regimens. Perhaps, you often face the temptation to use supplements alone to achieve a particular fitness goal. When it comes to living a healthier lifestyle, you need a definite schedule – no shortcuts.

Can you become healthier by taking supplements? The market is full of different types of supplements, so it is crucial to learn more about supplements before buying any.

Read on to get a brief overview of supplements so you can determine whether you should include them in your fitness plan.

Image by Polina Tankilevitch via Pexels

Do Supplements Work?

Many mineral and vitamin supplements exist nowadays. While this sounds good, it can also be challenging to know which supplement is the best for you.

Whether supplements are effective or worth your money are critical questions that you should consider when considering adding supplements to your fitness journey. However, before purchasing any supplement, you must be ready to eat healthy foods.
So, Can Supplements Help You Achieve a Healthier Life?

The answer to this question is no and yes. Without the right diet, no amount of supplements will help you have a healthier life. If you follow a balanced diet, but you are yet to achieve your fitness goals, feel deficient in a few areas, or think your diet isn't good for your specific goals, the right supplement will help.

For instance, you will need to buy creatine or similar supplements if you need to boost your muscle mass, especially if you are an athlete. The secret to making the best out of supplements is to take them alongside nutrient-dense foods and a balanced diet.
Tips for Taking Supplements

Notably, how you take your supplements matters a lot as far as their efficiency is concerned.

Here are a few tips on how to take supplements appropriately:

1.Be Careful With the Dosage

Every supplement comes with a recommended dosage, either available on the label or given by your doctor. It would be best to remember that you take supplements to boost your existing nutrients.

Overdosing on the supplements does not help you achieve your health and fitness goals; it can cause several side effects like diarrhea or even lead to serious health issues such as liver damage. 

2.Make Sure to Read the Label

Any supplement comes with a label that outlines information on the supplement's nutrition and ingredients. This information should help you establish whether the supplement is organic or natural. Reading the label enables you to determine the suitability of a particular supplement for your health and fitness plan.

3.Take Supplements Alongside Health Foods

Supplements are not food substitutes. If you want to benefit from any supplement, you must use it alongside a balanced diet. That way, the supplement will boost the nutrients from the foods, so your body achieves the nutrients it needs to function effectively.
Final Thoughts

If you were thinking of getting supplements to substitute for food or even as a quick fix, it is high time you changed your mind. Adding the right kind of supplement into your diet can help you achieve your fitness goals. Make sure to stick to a balanced diet!

Four Ways To Update Your Living Room

 After living in your home for a while you may walk into your living room and feel that it needs an update. Maybe you’ve been updating all your other rooms, like your bedroom and bathroom and now it’s time for your lounge area? Depending on your budget, there are many ways to update your lounge area from simply adding a rug as an affordable option, to replacing the furniture if you have a more generous budget. Below are four ways of updating your living room for all different budgets. 


Image from Pexels: https://www.pexels.com/photo/photo-of-living-room-3209045/ 

Add A Rug 

Rugs are one of the best things to purchase when updating any space within your property. They instantly make a difference and can be changed every couple of months (If you have enough space to store the old rug). If you have children, it can protect your flooring and they come in many shapes and sizes to fit in virtually any room. For inspiration, search Instagram and you’ll see a whole range of styles that may fit your living space. Plus, this can be done on a lower budget. 

Change Your Furniture 

Your furniture in your living space often completes the room. Your sofa may take most of the space with the colour having a large effect on how the room feels. If you live with someone elderly, updating your chair to a lift chair may help with their comfort. If you budget allows it, why not take a look at replacing some of the furniture with something new. Depending on where you shop, you may be surprised at how much certain things can fit in a lower budget. 

Put Things On Your Wall 

When you look at the wall in your property is it looking a little bare? So many properties don’t hang things on the wall and are missing a trick. Hanging art on the wall breaks up white space and adds some personality to your room. You can choose different coloured art if you want to add some colour to the room, or maybe black and white if you want a more neutral approach. If you don’t want to hang art on the wall, you could always look at adding some photos or hanging a mirror as that is great for making a room look and feel bigger. 

Accessories 

What accessories do you have around your living room? Accessories are a great way to make a change to the room and add a new dynamic. Standing lamp shades add light whilst a drinks trolley could act as a centerpiece. Maybe you have some ornaments that you can display in the room, or you add a coffee table to make the room look less empty. There are a whole plethora of accessories that you can add that will instantly change the feel of the room. 


What changes have you recently made to your room? Have you tried anything from the above? Have you already updated your living room and are planning on working on another room? Let me know in the comment section below, I would love to hear from you. 























Win a Dyson airwrap styler


Well Its valentines day and we are all at home it's not quite the day we would have chosen, is it? Not to worry I think I have found a reason to smile. Today I have something a bit special to share with you all Its a competition but not just any competition its one to win a Dyson Airwrap styler. I am so insanely jealous of the winner of this one as I have lusted over this particular item for a while but haven't yet pulled the trigger on it. It has so many functions, you can curl your hair wave it, add volume and of course you can dry your hair with it too. I have super fine hair and I have heard this is one of the best ways of getting curls to last in fine hair. I have always wanted curls that last. Normally If I do them they drop out in a few hours which is so annoying. 

This has been a holy grail product for so many celebrities and influencers a like and I can see why. I am waiting for my faithful hair dryer to break so I have the perfect excuse to treat myself to this little bit of hair tech. 

This competition has been arranged by the lovely Neesha from Reinventing Neesha. She is so lovely, so if you get a chance why not check out her blog. She always has the best competitions. She is amazing when it comes to making money and money-saving deals. You need to check out her site if you want to make a bit of extra cash or save some money on products. She is is your woman. 

Neesha has gathered some of the UK best blogger to come together to give one of you a Dyson Airwrap. So without further ado read below how to enter and have the chance to win this amazing prize. 
Good luck 

 

Bloggers Taking Part

Reinventing Neesha | Chilling with Lucas | Melanie's Fab Finds | Lipgloss and Curves | Doing Numbers | Monethalia | Reality in Reverie | The Life of Dee | Our Transitional Life | Spilling Life Tea | Lottie Lately | Lisa's Notebook | Vegan Etc | The Little Landeg | Pounds and Sense | Hollie Plus | Testing Time Blog | Pretty Core | Mumernity | Lylia Rose | Afshanesque | Gemma Etc | Miss Makeup Magpie | Kayleigh Zara | Alice in Sheffield | Mind Over Meds | The Financial Wilderness | Boxnip | Hawkes at Home | Explorersaur | Recipe for Home | Life with Ktkinnes | Discount Days Out | Live the Easy Life | Be Happy Be You | Gift Guides | Laura Hadley | Best Lodges with Hot Tubs | Rach Talks Business | Family Loving Life

The Prize

One lucky winner will win themselves the highly coveted Dyson Airwrap worth a whopping £450! The Dyson Airwrap is currently the hottest tool on the market and with it's hefty price tag it's not accessible for many.

The Dyson Airwrap comes with 6 hair styling attachments to dry, curl, wave and smooth hair. The Airwrap with intelligent heat control measures airflow temperature over 40 times a second and regulates heat, to ensure it always stays below 150°C.

The Dyson Airwrap also comes with a tan storage case to store your Airwrap and it's attachments safely.

How to Enter

To enter simply complete all or any of the rafflecopter entry options below. The more you complete the more chances you have of winning.

The competition ends at Midnight on Sunday 14th March and a winner will be drawn on Monday 15th March. If for any reason the chosen prize is out of stock at the time of the draw, the winner will be able to select an alternative prize up to the same value.

For full entry terms and conditions please see the rafflecopter widget below.

a Rafflecopter giveaway

Good Luck Everyone!

Investment Ideas to Improve Your Lifestyle

 

Image Credit


Everyone wishes they had a bit of extra cash to improve their lifestyle, it might be to upgrade the home or travel to a place you've never been before. Investing your money for this purpose might have crossed your mind but many people are put off by the process of investing. It sometimes seems intimidating or inaccessible. Nothing could be further from the truth. Read on to find out how to make work for you. 

Stock market

The stock market is what most people think of when they think of investing. It's the giant room you see on the news or dramatised in movies. The place with huge boards that say buy and sell, with people shouting indecipherable instructions at one another. 


It might seem like an inaccessible place to start your investment journey, but actually  you only need to understand a few key aspects of it to earn money investing. Read articles on investopedia for more information and learn about investing from Internet videos. 

Property Investments 

Maybe you have a mortgage for a house you live in, or perhaps you rent, either way, investing in property is an excellent way to build financial security and save for the future. A property investment can be an excellent short or long term investment. 


Search the property market for a house for sale, flat for sale, or bungalow for sale. You don't have to buy the property for yourself, you could be a landlord and earn short term returns as well as profit when the property is finally sold. The simple formula for real estate investment is buy low and sell high. 

Bonds

If you want a highly secure long term investment then consider putting your extra money into bonds. Bonds are issued by governments and companies, they are essentially a way of lending a company or a government money. What you get in return for this loan is an interest payment. 


There are lots of types of bonds to choose from, and you can invest greater or smaller amounts for different returns. Bonds are not entirely free of risk, especially if they are corporate bonds - companies have a greater risk of going under than governments - but in general, they are a very safe way to invest. 

Mutual Funds

A mutual fund is a pool of investors money that is invested in several companies. When you invest in a mutual fund, you contribute to the funds. Mutual funds can be managed in one of two ways: actively or passively. The way the mutual fund is managed determines the levels of return. 


With active investing a mutual fund manager will try to beat the market index by choosing investments that outperform competitors. Conversely, the passive approach simply monitors the market index seeking opportunities to improve returns. Mutual funds carry less risk than stocks and bonds. 

Exchange-Traded Funds

Exchange-traded funds or ETFs are similar to mutual funds, but they are more diversified and better for beginners traders who want to limit their risk. An ETF is a collection of investments that are sold on the stock market. Unlike Mutual Funds, their price fluctuates throughout the day. 


With mutual funds your return is calculated at the end of each trading day and represents the asset value of your investments. With ETFs the return is likely calculated in real time and is based on changes in the market index. Since you are trading diversified stocks instead of individual ones, ETF are recommended for beginners. 

Cryptocurrency 

Another excellent avenue for beginners investors to get started with is cryptocurrency. Cryptocurrency has been waiting in the wings for many years, but only since 2017 did it become an acceptable investment opportunity: acceptable to the major investment institutions that is. 


There are several cryptocoins to choose from and more are emerging all the time. Each coin has its own pros and cons. Some offer high yields while others give you better access and more opportunities. It's best to research the best of the list and identify the one that's right for you. 

Fixed Deposit

If you are committed to investing your money over the long term you will need a strategy that yields the best results. That won't be the interest you receive in your current bank account, which is likely to be miniscule. Instead, opt for a fixed deposit account that offers you more.


If you want to invest you probably have some dormant money resting in your account. Find a high interest fixed deposit account instead. These accounts can be found on or off line. They typically offer high interest rates and allow you to take a break at any time. 

Gold

When you think about investing in a fixed long term asset you probably think about buying real estate, but gold might be the better option. Investing in gold means you always have a secure and dependable asset to rely upon, even when the economy enters a downturn. 


Of course the state of the economy will always influence the price of gold, but it's value will never be completely lost and it will always recover. You can sell your gold assets at any time and you can even borrow money against it from certain banks. 

Blockfi Account

Since conventional bank accounts don't offer much interest for storing your money there, it makes sense to look elsewhere – especially since there are so many other investment opportunities around. A Blockfi account is a type of cryptocurrency account that offers a much higher rate of interest. The interest is around 8.6% as opposed to 0.5% at a traditional bank. The account will store your money as cryptocurrency but it allows you to change it back quite easily. 

Online Savings Account

In the same way Blockfi account offers you better interest rates online  and online savings account gives you more options for your money. These accounts are specially designed for storing and saving your money, they help you to accrue better invest over time. As with traditional accounts your return on investment will depend on the level of funds in your account and the length of time they sit for.