Change Up Your Look With Divatress

This is a sponsored post. All opinions are my own.

Ever wanted to give your look a little shake up? With clients ranging from professional stylists to working mums to students, Divatress offer a number of different wigs and hair care products to help you pamper yourself and give your look a change should you so wish.

The Bobbi Boss wigs are plentiful and range in length and colour. You can choose the Kim wig as pictured below or even opt for the Monroe if that’s what you fancy.

If you’re anything like me, you love the opportunity to reinvent yourself, whether it is for a night or maybe even permanently. These wigs give you the opportunity to do this without making any drastic changes to your hair yourself – you can see just how well a style or colour suits you without risking it not suiting you!

I’ve actually got a party coming up and I’m thinking about picking up one of the wigs available on the site and wearing it on the night – just to change it up a bit. I always look the same, wear the same things, so maybe it is time to make a change once in a while. Now the only problem is choosing which wig to wear for the night – there is just so many affordable options to choose from!

How do you change up your style or look? Would you consider a wig?

Join The Hasbro Family HotSpot Community!

This is a sponsored post. I received a promotional item as a thank you for participating.

*Please note: this opportunity is for UK residents only*

 Are you a mum of a child 12 years old or younger? Hasbro,that brand we all know who creates amazing family games, has created a private online community of mums to serve as advisors to their brand.

With the brand actively encouraging imagination and creativity, they need a group of ‘Mum advisors’ to help them understand just what their consumers need and want – who knows their children better than their Mums themselves? They are now opening up this invitation to you.

 As a member of the Hasbro Family HotSpot Community, you will be part of an exclusive group that provides Hasbro with feedback and perspective on games, toys and entertainment, talking about what inspires your child’s creative streak when it comes to what you buy for them. You’ll also get to interact with plenty of  other mums to share stories, similarities and advise along the way.

 But what are the benefits?

They include:

monthly $10 Amazon gift code rewards for your participation, an impact by helping to  inspire what comes next for a leading brand in the industry, connecting  with other mums living the same life experiences as you.

Are you interested in joining? Why not give it a try? See if you qualify today as spots are filling up quickly: http://bit.ly/2pIjLy3 – good luck!

Equity Release | Facts and Fiction

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A lot of people have heard the term equity release but, thanks to the wide range of myths that are out there, this doesn’t necessarily mean that they understand what equity release is really all about.

In this post we’re going to explore a few of the little known facts about equity release plans, and also debunk some widespread myths. This will ensure that you’re armed with all the information needed to make informed decisions about your financial situation.

FACT: Equity release lets you unlock some of the cash from your home

To start with the basics, equity release means unlocking a portion of the equity that is tied up in your home, generally to spend on emergency expenses, big living costs, or luxuries that you’ve always dreamt of affording – or anything you wish.

There are two different types of equity release plan available, but the most popular is the lifetime mortgage – and that’s the main thing we’ll be discussing throughout the rest of this article. With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end. This happens after you have passed away or moved into long-term care.

You can get a rough estimate of the amount you may be able to release by using an equity release calculator.

FICTION: Equity release will leave your kids in debt

We know that people worry about equity release potentially leaving their kids – or other beneficiaries – with debt after they are gone. With equity release plans that adhere to the Equity Release Council’s guidelines, however, you get a no negative equity guarantee.

This means that if the plan comes to an end and the sale of your home doesn’t generate enough money to cover the costs of the monies owed to the lender, the excess balance will be written off.

FACT: Equity release doesn’t necessarily mean you can’t move home

People also find the idea of being stuck in one property for the rest of their lives off-putting, understandably. Once again, though, people who ensure that their plan follows the Equity Release Council’s guidelines will be guaranteed the right to move home, providing the new property is suitable and approved by the provider.

FICTION: Equity release puts you at risk of losing your home

Equity release is sometimes used to release money to pay off an existing mortgage; what can put people off though, is the idea that one day the provider might come for their money, claiming the home.

Providing you meet with your plan terms and conditions, the Equity Release Council is on your side yet again, with another guarantee in place that means equity release customers have the right to stay in their home until they either pass away or move into long-term care.

Flexibility is key here: staying in your home and moving to a new location are both options that stay on the table.

FACT: You can do equity release and still own your own home

While one specific type of equity release plan does necessitate selling all or part of your home, this certainly isn’t true for every plan. Home reversion plans involve ownership of your home passing to the provider, however with lifetime mortgages you would remain the legal owner of your property, as the loan is secured against your home.

FICTION: Equity release is right for everyone

So far we’ve been looking at the positives – but it is important to note that equity release isn’t going to be the right option for everybody. Reliable equity release companies will be honest and upfront about the fact that equity release shouldn’t be jumped into without consideration.

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.

If you’re considering equity release it is recommended that you read ‘is it right for you?’ carefully.

My Money Resolutions For The New Tax Year

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With the start of a new tax year comes another wave of resolutions; this time though, they are all money related. As we all take notice that the new financial year has started, we inevitably all decide that this tax year will be the year we save ‘x’ amount, earn ‘x’ amount or simply cut our budget.

I’ve already got plenty of financial resolutions for the financial year ahead. There are so many things you can do to give your finances a refresh – and perhaps even a boost too. But what are they?

Check Your Accounts Properly

How many of us give our bank accounts a brief glance but don’t think to look deeper? You may be missing that payment going out that you thought that you cancelled years ago. It hadn’t been cancelled and you’ve been paying a few pounds every month to it and you didn’t even know – it all adds up and that money would look so much better in your savings account than being spent on something you aren’t even aware of. Locate any such payments and get rid of them for good.

Check to see if you have PPI

So many people are affected by PPI and don’t even realise it. I was just about to check myself a little while back when I received a cheque from a company I had PPI with many years ago. It wasn’t for that much but every little helps – and who knows, you may have lots to come back, especially if you had multiple financial products with PPI that you were mis-sold!

People claiming mis-sold PPI has already seen refunds of over £30 billion so why miss out – check to see if you’ve got PPI and if you are owed anything! Claims have to be submitted by the 29th of August 2019 so there is plenty of time but I’m going to be double checking my own sooner rather than later.

Skim It

This year I am going to take advantage of ‘skimming’ much more. This is where you have an odd amount in your bank e.g £51.52 and you move the £1.52 to your savings account. The amounts are minimal so you don’t really notice but it soon starts to make a nice amount in your savings. My bank account actually offers such a feature so I will definitely be taking advantage of it!

Earn More, Save More

Sounds easy – but it probably isn’t. However I plan to make this tax year my most successful and profitable yet. This means I will be taking a look at the prices I charge for my freelance work and adjusting if I see fit; widening the range of services I have to offer and perhaps even being a bit more proactive about looking for work.

These are just a few of my financial resolutions for this financial year ahead – what have you got planned?

My Perfect Sunday Morning

Sundays are supposed to be a day for R&R – but as a mum to two young children, I find this is rarely the case. But with Mother’s Day just around the corner, I might finally get a chance to stay snuggled up under the covers for a little longer than usual… wishful thinking maybe, but a mum can dream!

Here’re my thoughts on four simple factors that can transform a Sunday morning from parenting pandemonium into a well-deserved day of rest.

  • The perfect lie-in

 

As a parent, the luxury of a lie-in is a long distant memory.

Remember how wonderful it is to gently wake up after a long, deep, 8-hour sleep, and stay in bed for as long as you want?

No annoying beeps from the phone. No nagging thoughts of breakfasts going unprepared or household tasks left undone. Just blissful, guilt-free duvet time!

For me, a little preparation can go a long way when I want to try to create idyllic lie-in conditions. I close the curtains so not even a sliver of morning sun can sneak in and wake me. I set the heater to an optimal ‘I-could-sleep-forever’ temperature and I unplug all technology and treat myself to a mini digital detox.

  • The perfect bedroom

 

A bedroom should be a place to switch off, snuggle down and relax. It’s really important to keep it a totally ‘stress-free zone’. If I wake up to a tidy room it definitely relaxes me, even if I know there is a pile of washing out of sight in the wardrobe!

A few cosy luxuries are key to setting up the perfect Sunday morning environment. For me, three must-haves are:

  1. A big, beautiful duvet to snuggle into
  2. A lovely warm rug, casually thrown across the bed
  3. An outrageously OTT pile of pillows
  • The perfect mattress

 

If you’re spending a couple of extra hours under the covers, you want to be sleeping on the perfect mattress, and a Bruno Mattress ticks this box for me.

It’s made in Germany and is relatively to the UK, but now that it’s here, I would definitely call it a lie-in essential! The key to it’s comfort is a springy natural latex top layer, which, as well as being hypoallergenic, keeps air flowing, so you feel nice and snug but never overheat.

What caught my eye about the Bruno is that it has been designed with 7 precise zones to promote healthy spinal alignment, so it’s ideal if back pain is troubling your sleep. Because I’m so busy, and am rushing around all the time I can be prone to overdoing it, so waking without any twinges is a luxury in itself!

The only downfall I can find with the Bruno? It’s so comfy, you’ll never want to leave your bed, even when the lie-in should really be over.

  • The perfect breakfast

 

The final touch to my perfect Sunday morning is – of course – breakfast in bed. And I’m not talking about regular run-of-the-mill marmite on toast and tea here (although being brought a cuppa in bed is always welcome!)

I want the full 5 senses shebang: strong, aromatic coffee; sweet, freshly squeezed orange juice; an impressive tower of toasted sourdough, mashed avocado and a perfectly poached egg, with just a little golden yolk running down the side. And, to complete this picture of Sunday morning heaven, a beautiful vase of spring flowers!

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