The same but different 🏡 Yesterday was a day of The same but different 🏡 Yesterday was a day off for me, thanks to my company offering everyone a day off to celebrate a new financial year 🙌🏻 So I spent it tryinggggg to declutter and get those rooms sorted - will it be done before the next #transformationtuesday 🤔
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 😂 How’s your Tuesday been? 
- 
#letterboxhome  #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #sassyhomestyle #newbuildhome #newbuildjourney #showusyournewbuild #newbuildsofinstagram #darkdecor
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! 
-
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! 
-
#decorationideas	#homestyle
#myplantlovinghome	#sharemystyle	#pocketofmyhome	
#fairfaxandsammons	#onlyinterior	#interiorwarrior	#interiorstyling
#interiordreams	#interiorgoals		#interiors
#housedesigner	#instadecoration		#interiordesign
#newbuildjourney #newbuildgarden 
	#mydiymydecor	#interior2you
#homeobsessed	 #showmeyourboho	#newbuildhome 
#lovemydecor	#passionforinterior	#designbuild
#spotthenewtrend	#spotlightonmyhome	#houseandhome	
#mycosyhome	#styleathome
Saturday night in 🍿only just getting round to M Saturday night in 🍿only just getting round to Marcella and boy why haven’t I watched it already? Rhodie seems to be loving it too! 🐶
-

#letterboxhome #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #periodhomesofinsta #sassyhomestyle #myinteriorvibe #nesttoimpress
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! 
-

#myinteriorvibe #mylindenhome #sorealhomes #mynewbuildhome #newbuild #lindenhomes #myinteriorvibe #nesttoimpress #letterboxhome #newbuildjourney #newbuildgarden  #nesttoimpress #thiscreativehome #homesweethome #pocketofmyhome #thedelightofdecor #mysmphome #showemyourstyled #myhometrend #peepmypad
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! 
-
#letterboxhome #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #newbuildjourney #sassyhomestyle #myinteriorvibe #nesttoimpress #pocketofmyhome
#fairfaxandsammons	#onlyinterior	#interiorwarrior	#interiorstyling #homeplan
	#mydiymydecor	#interior2you
#homeobsessed	 #showmeyourboho
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! 
👈🏼 Swipe left to see the bland before!
-
#letterboxhome #newbuildjourney #newbuildhome #showusyournewbuild #mylindenhome #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #periodhomesofinsta #sassyhomestyle #myinteriorvibe #nesttoimpress
Back to work this fine Monday 🌿 After a week of Back to work this fine Monday 🌿 After a week off ( and tackling a whole load of home decorating ), I’m sadly back to the WFH routine. Is it the weekend yet? 
-
#letterboxhome #newbuildjourney #newbuild #newbuildhome #lindenhomes #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #periodhomesofinsta #sassyhomestyle #myinteriorvibe #nesttoimpress
Hello Monday 👋🏼 Our weekend was a slow and s Hello Monday 👋🏼 Our weekend was a slow and steady one. We found snow on our Saturday afternoon walk! And polar bear Rhodie LOVED IT 🐶 Sunday was a slow one too, with a mid morning walk, sweet treats and even some painting! Both me and my husband have the week off, and since the splash of colour yesterday afternoon, we seem a little more eager to get more colour in our home, pronto! 
-
How was your weekend? What did you get up to? 
-
#myinteriorvibe #mylindenhome #sorealhomes #mynewbuildhome #newbuild #lindenhomes #myinteriorvibe #nesttoimpress #letterboxhome #spotlightonmyhome #mygorgeousgaff #actualinstagramhomes #scrollstoppinghome #faffthegaff #myinteriorsquares #makingahouseahome #houseproud #homemakeover #myseasonalstyling #myinteriorvibe #interiorescapism #sorealhomes #dabblingwithdecor #mystylishspace #mystylednest #periodhomesofinsta #sassyhomestyle #myinteriorvibe
Just a little snap shot from our bedroom ✨I can’t show much else in all honesty, since we still have clutter in boxes, and a tv currently living on a ladder step 🙈 But hey, my perfume collection looks just perfect for now! 
-
It’s Saturday and the usual weekly shop is the only thing on the agenda. Maybe a quick pop to get some paint too? We both have a week off and whilst we will mainly be doing sweet F-all, we may just do some decorating! 
-

#myinteriorvibe #mylindenhome #sorealhomes #mynewbuildhome #newbuild #lindenhomes #myinteriorvibe #nesttoimpress #letterboxhome #storyofmyhome #mycovetedhome #homestyle #mycosyhome #simplystyleyourspace #sorealhomes #styleithappy #heyhomehey #hometohave #homesohard #myhomevibes #myinspiredhouse #makehomeyours #myspaceanddecor #thiscreativehome #homesweethome #pocketofmyhome #thedelightofdecor #mysmphome #showemyourstyled #myhometrend #peepmypad
Our short sprinkling of snow has all disappeared, Our short sprinkling of snow has all disappeared, much to Rhodie’s disgust. ❄️Now that’s out of the way, can Spring hurry along? I fancy some sunshine, colour and garden time!🌷
-

#myinteriorvibe #mylindenhome #sorealhomes #mynewbuildhome #newbuild #lindenhomes #myinteriorvibe #nesttoimpress #letterboxhome #realinstahomes #dailyhomeshare #myinteriorsquares #myhousethismonth #storyofmyhome #spotlightonmyhome #myhousethismonth #styleitreal #housegoals #pimpupmypad #mygorgeousgaff #dabblingwithdecor #myhousedownsouth #styledupinterior #dailydecordetail #howihome #cornerofmyhome #nestandthrive #myhomevibe #myspaceanddecor #styleithappy
  • Home
  • Categories
    • Lifestyle
      • Fashion
      • Blogging
      • Wedding
      • Dear Diary…
      • Food
    • Interiors
      • Our Home
      • Colour Palettes
      • DIY
      • Selling & Buying
      • New Home
      • Trends
      • Styling
      • Rooms
        • Bedroom
        • Bathroom
        • Conservatory
        • Home office
        • Guest Bedroom
        • Kitchen
    • Travel
  • Letterbox Magazine
    • Learn More.
    • Sign Up Here
  • About
    • Work with me.
  • Archives

Charlotte – Nichole

31/01/2019 Dear Diary...

Make this the year to clear debt.

Debt, no one likes talking about it, nor admitting to it. And yet we all seem to have it, to some degrees at least. Credit cards, mortgages, store cards, car finance, phone contracts, overdraft – they are all debts we often take out, dip into or use without much consideration. Or we do, but we would much rather forget about it because it’s needed.

And whilst many of these debts are necessary and unavoidable, some can be controlled, maintained and cleared – if you put your mind to it.

I ‘m talking credit cards, store cards and over drafts of course. The type where you pay interest, sometimes considerable interest, monthly, and can cause negative effects to your credit score.

It was only the other night, after mulling over finances, I realized that we could be debt free in months, if only we upped our payments slightly.

Read : 5 Financial steps I took

How on earth are you doing that?

Well, various things. Here’s a little low down on how you can clear some of those interest ridden debts and make this the year you tackle it.

Make more than your minimal payments – Even paying just a couple of pounds a more a month can help reduce your debt, and the interest you pay quicker. Be sure to check what you can afford, but paying more can really help tackle high interest credit.

Consider a balance transfer credit card – Whilst it may seem counteractive to go and get another credit card to pay off your current credit card, but trust me, it will help.
Hunt the web for interest free, balance transfer credit card to transfer pre-existing debt to the new card. ( You can even consolidate various debts onto one card! )
From here, you can make regular payments ( even the same as before ), and tackle the debt quicker. Many card offer between 24 and 37 months interest free so you have plenty of time to pay off, without paying interest! Win win!

Prioritize – When it comes to multiple loans and debts, it’s all about priority. You do need to make payments when you can, as missing payments can further damage your credit score. When it comes to juggling many payments and wanting to over pay, prioritize what would save you money the most. Look at your interest rates and consider paying off your largely expensive loan / debt first.

Seek Help – If you are really struggling, seek help. There are lots of places online that can help you tackle your debt effectively. If you are unable to make payments, be sure to speak to your bank / the company you owe money to. They will be able with payment arrangements and maybe even interest rates.

Whilst it can be pretty daunting when it comes to speaking out about finances and debts, always remember you are not alone. There is always someone else worse off and there is light at the end of the tunnel.

Seek help and try and contain your spending. Consider the impact on your credit score, yet remember that credit scores can easily, and fairly quickly, be worked on.

Do you chat finances? Are you looking to tackle yours this year? Do you have any advice?
As always, be sure to share your thoughts and feelings.

real life

0 Leave a Comment
Copyright © 2021 Charlotte – Nichole
Theme by SheShoppes

Copyright © 2021 · Atelier for Genesis on Genesis Framework · WordPress · Log in