Our second bedroom is no longer a storage facility Our second bedroom is no longer a storage facility šŸŽ‰ it’s funny because it’s basically a replica of our old master bedroom, so we have a slice of our old home, in our new one! 
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A rather productive weekend sorting the spare rooms put, just a small pile of ā€˜ what are we doing with this’ left to organise and we will be there! 
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What was your productive chore this weekend? 
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Coffee table details šŸ–¤ we finally have a coffee Coffee table details šŸ–¤ we finally have a coffee table in our lounge!! It was a real task deciding what to go for. 
We are so lucky with the size of our lounge and we felt we were getting rid of Rhodie’s play area if we went with something too big. After much deliberating, we opted for a budget friendly IKEA assemble which we are so pleased with! The glass gives the illusion of space, whilst offering that much needed coffee resting spot! 
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Will of course share more in due course! What do you think? Certainly not nailed the styling justttt yet! 
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And the takeaway of the flavour this Friday night And the takeaway of the flavour this Friday night is 🄁
.......................................................................................................................................................................................................................................................................................................................................................INDIAN! 
Anyone else have takeaways every weekend without fail orrrrrr? The plus side of lockdown no? 
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Who knew it would be so difficult to photograph a Who knew it would be so difficult to photograph a down stairs loo šŸ¤¦šŸ¼ā€ā™€ļø so here’s the deal, it’s not completely finished just yet, as we still have a blind to grab, and it’s since become the store place for all painting supplies, but I just had to share the colour. It would appear by my insta grid I don’t like much colour, but I do and this is the first real ā€˜splash’ of brightness. 
Downstairs loo can be boring, soulless places, and well we didn’t want that! 
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Can’t wait to share all the details, but for now here’s a snippet! 
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The same but different šŸ” Yesterday was a day of The same but different šŸ” Yesterday was a day off for me, thanks to my company offering everyone a day off to celebrate a new financial year šŸ™ŒšŸ» So I spent it tryinggggg to declutter and get those rooms sorted - will it be done before the next #transformationtuesday šŸ¤”
Naturally I’m knackered today so it was a nice change to be bound to a laptop. Kick started the day with some classic High School Musical šŸ˜‚ How’s your Tuesday been? 
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A little man and his love for his garden 🌿 Wasn A little man and his love for his garden 🌿 Wasn’t this weekend just lush? The sunshine, the blue skies, things finally look bright! 
We had a busy one, sorting through some of the junk we carried through the move, and finally get those must keep items stored in our loft space! I am a little gutted I’m not showing you a transformation of the two spare rooms, but it’s not long now, just a couple more boxes to sort and some things to sell and we will finally have a 3 bedroom house! 
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Rhodie thoroughly enjoyed his zoomies  round the garden, especially once we took the fence back so he had more room to run! Doesn’t he just look so happy. All he wanted was us all to be in the garden all day! 
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Saturday night in šŸæonly just getting round to M Saturday night in šŸæonly just getting round to Marcella and boy why haven’t I watched it already? Rhodie seems to be loving it too! 🐶
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The grass is certainly longer and more established The grass is certainly longer and more established since this snap from early January. 🌿 Despite Rhodie being a little naughty and pulling a few chunks of lawn up in first few weeks, the lawn is going well. 
But as sunshine starts to appear, our next project is fast approaching - our garden! I have some high hopes for our long garden plot, including a larger patio and some much needed privacy. I didn’t think I would be, but I’m rather excited to get green fingered, and hopefully create a inviting outdoor space 🌿 Any advice for our rather daunting blank canvas? I’d love to hear any ideas! 
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I am so stoked that our loft is now BOARDED!🌿 Y I am so stoked that our loft is now BOARDED!🌿 You know how it is, those childhood mementos, wedding day cards and the odd air loom just have no other place that somewhere safe, like a loft. It’s something we completely underestimated, but we managed to find someone to undertake the work and we can see the light on our current mess that is upstairs! 
Yes, I thought he was coming on Friday, and yes he did get a fright when I opened the door yesterday morning in my dressing gown, but hey ho, it’s done and I didn’t know I could be so bloody excited for some plywood in a loft! 
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Did you see it? ✨ The moody new blue in our loun Did you see it? ✨ The moody new blue in our lounge? Dunno why but my colour transformation reel isn’t showing on my grid, but it’s still kicking my around. To say I’m in love with our new colour would be a understatement. Being a bit braver in our new home is coming together, just a few finishing touches to go! 
šŸ‘ˆšŸ¼ Swipe left to see the bland before!
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Charlotte – Nichole

12/10/2018 Lifestyle

5 Financial steps I took this month

No one really talks about finance. It’s all a bit taboo really, isn’t it? Hush hush because wages, outgoings and expenditure are all a little personal. And because of this, sometimes we can get in a little pickle that could be avoided if we all just spoke openly about finances.

I DESPISE going to the bank. I hate entering my card into the machine, knowing full well the clerk behind the glass can see all my accounts, the negatives and plus’s too! Oh Crap, she probably things I’m shite with money and will take back my card to stop me spending. 

Apparently, I’m not half as bad as I thought. In fact, I’m one of those considered to be bloody good with it – pah! 

Anyway, my point is, without really discussing or speaking out about finances, you can be a little in the dark as to how to keep a hold and manage yours effectively.

This last month, I have been really trying to grapple a hold of ours. The last 18 months have been wedding wedding wedding. With the sudden flow of cash that is no longer labelled wedding, I thought it best to forward plan.

So what did I do this month? Here are the 5 steps I’ve undertaken to grab the financial bull by its horns!

Start a joint bank savings account

Hey, married life has its perks. Like a joint savings account! This was something we should have done agesss ago upon moving in together, but having to go and change my name gave us a good opportunity to do this too. We stuck with our current bank ( we are both at the same bank thank Christ ) and got the highest interest earning account. We have both made sure we have mobile access to the account too for those quick transfers.

Switched to a reward account

Many banks offer these accounts and it had been something I had breifly considered. However after adding up the figures, it was well worth the switch.

My reward account will essentially give me cash back for all of the direct debits for utility bills and those alike that come out of my account. Surely enough, the small rewards will add up monthly and will equate to a nifty wad of cash at the end of the year to splurge on what we wish – wahoo!  Definatly worth a look!

Set up Direct debits for savings

Since we had sorted our accounts out, the next step was to set up direct debits and standing orders from each account to our savings. Like mentioned, we haven’t really had the ability to save prior to the wedding, other than for the wedding. We want to make sure we are putting away each month, so what better way than setting up an automatic transfer.

Overpay on our mortgage

This is something we have been considering for a fair while, and since we have the abiltity to do so, I have set up overpayments for our mortgage. Since we are unaware of the impact Brexit will have on the property market or property prices, I would prefer to take advantage of the low rates and build more equity in our currenty property.

Are you taking any financial steps this time of year?

Do you like seeing these kind of posts on my blog?

I love hearing from you so please do leave your thoughts in the comment section below!

finances real life

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