He just loves to feature on the ‘gram 🐶 Isn’t it so lovely to have some bright and sunny mornings, apposed to those drizzly ones! 
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It’s monday again and boy was my weekend a mixed one. Rhodie had a walk and a groom on Saturday. We also spent a solid 3 hours on sorting out our number plates being stolen! Not what we wanted to be doing. Sunday we managed to get our wardrobes delivered and I am over the moon to finally have hanging space and some organisation going on upstairs. But that didn’t come without its troubles, including ripping two thirds of my nail off whilst trying to lift a heavy box. I’m now unable to finish any of the building and unfortunately that falls down to my husband 🙈
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How was your weekend? As eventful as mine turned out to be? 
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Evening in with my boys 🥰 Takeaway on order, fl Evening in with my boys 🥰 Takeaway on order, fluffy blanket layers and candles on. I do love a Friday night ✨How are you kicking off the weekend?
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We have too many styling pieces for the little sur We have too many styling pieces for the little surfaces we currently have 😂🙈 This is one of the very first purchases we made for the new house - a gorgeous industrial shelving unit. It works soooo well with our already bought living room furniture and will look amazing once we paint 🙌🏻 Do you think that’s my favourite saying, because that’s all I keep saying 😂 Done with these bland white walls! 
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The same but different 🏡 Still trying to find p The same but different 🏡 Still trying to find places for everything. It’s just a heck of a lot of shuffling when moving isn’t it🌿 

Still very much in love with our rustic dining table from next as we were when we bought it a couple of years ago! And thankfully we managed to get 4 more matching chairs 2 years later, since we no longer have our booth! Perfectly compliments our new kitchen diner! I keep saying it, but we just need colour now! 
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No transformation Tuesday here this week, but hope No transformation Tuesday here this week, but hopefully next!🤞 We still have a 5 day wait until our wardrobes are delivered and that’s our biggest set back at the mo. Both bedroom 2 & 3 are full of clothes and unpacked boxes 📦 As daft as it may sound, getting these new wardrobes should be a real relief and the turning point for our upstairs! 
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Aside from that, we still have lots of pieces to shop for our lounge and bedroom! If only that’s what I could do all day rather than work, ay! Where’s your favourite place to shop furniture? I’d love to hear your recommendations 🙌🏻
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It’s a good morning Monday from me 🌊 The beau It’s a good morning Monday from me 🌊 The beautiful Sunday sunshine certainly made up for the drizzle we had on Saturday. We soaked up the sunshine and of course the sea breeze, trying to get out of the house, within reason ofcourse. We strolled up and down the seafront several times yesterday and Rhodie was well and truly knackered after. 
I hope you all had a lovely weekend, and a even better week. I myself am so excited for next weekend as it means we finally get our bedroom furniture, including the hotly anticipated wardrobes 🙌🏻
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Transformation Tuesday #2 in our new home 🌿 The Transformation Tuesday #2 in our new home 🌿 The garden! 
Thankfully we managed to get it done pretty quickly much to our delight. Having a puppy and 20 odd patio slabs for him to do his business on got pretty tedious pretty quickly! 
Now to start the garden planning - I’m actually looking forward to getting green fingered this spring! 👩‍🌾
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How much coffee is too much coffee for a Monday?☕️ Asking for a friend 🙈 Today we get our garden turfed and boy am I excited to see green outside our patio doors and a patio that isn’t littered with dog poo or wee! 
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Frosty walkies ❄️🧣Brrrr it’s bloody cold Frosty walkies ❄️🧣Brrrr it’s bloody cold out there. Minus 1 on our afternoon walk! But Rhodie LOVED it! Met lots of pooches and very much knackered from tumbling in the frost! 
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WFH Lunch breaks consist of carpet reads and coffe WFH Lunch breaks consist of carpet reads and coffee 📚 Determined to smash my 2021 reading target and where better to start than with The Killer Across the Table. What you starting your 2021 reading with? 
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#cosyhomeclub #behomefree #dailyhomeshare #homesweethome #letterboxhome #homeinterioruk #storyofmyhome #mycovetedhome #homestyle #mycosyhome #simplystyleyourspace #sorealhomes #styleithappy #heyhomehey #hometohave #homesohard #myhomevibes #myinspiredhouse #makehomeyours #myspaceanddecor #thiscreativehome #homesweethome #pocketofmyhome #thedelightofdecor #mysmphome #showemyourstyled #myhometrend #peepmypad
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Charlotte – Nichole

23/07/2018 Lifestyle

Five ways to up your credit score!


Do you know what your credit score is? Did you know it can impact upon mortgage abilities and car loans? Yeah! It’s a pretty sticky situation, if you’re not where you want to be or need to be.


Credit scores can seem daunting, but don’t worry, they are not to be feared. To help a girl out, I’ve collated all you need to know about credit scores, how to check yours and how to make it better!

What is it?

A credit score is essentially a on-line record of your finances. All your bank balances and credit accounts are collated into one record. A credit score is something that is checked by companies when you apply for any credit including car loans, credit cards and even mortgages. Your credit score is out a 1000 and naturally, the higher your score the higher chance you have of being offered and accepted for credit.

How to check yours.

There are lots of ways to check yours, some of which may charge. However, there are ample of free credit score checkers that enable you to look in closely at your score and what positive and negative factors you have.

The one I use freely is : Clear Score.

How you can improve yours.

Be on the electoral roll – Funnily enough, being on the electoral roll plays a huge impact on your credit score. Being on it proves to companies that you have a regular and permanent home. Be sure to be on it, whether you intend to vote or not. To register or check you are registered, click here. 

Don’t keep applying for credit – Making regular applications for credit will only damage your credit score more. You may not be, but from a companies point of view, you are desperate for cash! Keep credit applications to a minimum.

Consolidate your debt – If you have credit cards and loans, consider consolidating your debt to a interest free credit card or plan. This could save you huge amounts on interest payments.

Don’t miss a payment – Do you sometimes miss payments? Have you been charged late fees? This will only impact your credit score negatively. Consider this when you choose a drink over paying your bill.

Only borrow when you need to – This is really important when looking to improve your credit score. Only borror extra funds when you absolutely need too. Using companies like Cash Lady are brilliant for getting cash fast, but always consider the impact it can have later on your credit score. 

My overall advice.

Keep an eye on your credit score, even if you don’t intend to get more credit any time soon, it’s worth actively working on your credit score constantly, so when you do need credit, you have the best opportunity to get what you need. Credit scores seem scary, but they can be changed rather easily, with work.

Do you keep an eye on your credit score? 

Do you have any tips for credit scores? 

As always, let me know your thoughts in the comment section below!

Charlotte x

This is a collaborative post with Cash Lady.

money saving

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