It often falls to the lady of the house to balance the family’s budget and ensure there is enough in there for all the bills to get paid, for food, for fun with the family, and enough to cover any other unexpected costs that may pop up. Of course, unless you have a hugely generous budget getting things to balance can seem like a constant struggle. Happily, I have some tips that can help make things easier in this area. Keep reading to find out what they are.

Dealing with emergencies

First of all, if you think that you won’t encounter any unexpected costs or financial emergencies at some point or another, you are misguided. After all, life does tend to throw things at us, often at the most inopportune times.

Therefore it’s useful to have a plan of action in place in case you do get landed with a cost that you aren’t prepared for. For some folks, this will be uses money they have previously saved. However, it may also be necessary to take out a small loan or amount of credit to cover the immediate cost.

However, if you have a poor credit rating, such a loan may be difficult to secure. That is unless you go for a provider that can offer a bad credit short term loan to you. Something that can help get you out of a fix, and then be paid back quickly.

Saving pots

Another great tip when it comes to balancing the family budget is to have different pots for savings. These can be physical pots or folders, or virtual ones that link to your bank account online. The idea behind this is that you can much more easily see your progress toward a particular goal.

Also, by doing this, it can stop you from overspending and eating into money that would be of more use to the family saved.

Planning fun ahead of time

Next, if you want to get good at balancing the family budget, getting organised can really help. In particular, if you start to plan and book in which activities you will do for family fun time, it makes it much more simple to budget ahead of time for these.

In fact, booking such things in for the future can also act as a great deterrent for impulse buying things like takeaways and other unnecessary things that just drain money. Then you will know, there is something good to look forward to coming up that you need to preserve finances for.

 

Shopping frugally

Lastly, when it comes to balancing the family budget, it can make a considerable difference to start frugally shopping for groceries.

Luckily, there are several tactics you can use for this including shopping with the offers, as well as using coupons and vouchers. Oh, and don’t forget that batch cooking and freezing meals can make a huge difference when looking to save money in this area as well. Something that can make balancing the family budget much more straightforward.

Balancing The Family Budget

Mum Muddling Through

Are you looking for the perfect faux leather skirt? I think I may have the answer for you on this one. I have wanted either a leather skirt or a pair of trousers for decades but never quite had the courage to just go for it. Of course, nowadays we know faux leather can look just as good. With a milestone birthday coming up, I thought it was high time I found the perfect faux leather skirt.Perfect Faux Leather Skirt

 

Mine came from Elvi which was a brand I was unfamiliar with. I looked at their Autumn range. I was a little disappointed that a lot of the range was quite dark but the perfect faux leather skirt came in a lovely deep brown which appealed to me. It is asymmetric at the bottom and has a flattering frill detail too. I was not sure about the belt at first but it is great as you can wear it tight or looser perhaps on  those days where you are heading out for a dinner date.

The things I loved most about the skirt is that it did not make me look huge in the tummy area. I still carry a large mummy tummy but as if by magic this skirt made me look quite slim. The skirt is straight and figure-hugging but that just made me look curvaceous and there is nothing wrong with that! The length was about knee-length so not too short and not too long.

My husband almost never comments positively on what I wear. You can see this as a complete lack of interest or the fact he loves me whatever I wear. I veer between the two but it is nice to get a compliment. He loves this skirt which means when I wear it to go out in he says something lovely and we get off to a great start. I have also had compliments from a few people about how I look in the skirt ranging from “very chic” to “super sexy” and of course those give the go a boost.

I have tried it with various tops including a cream cashmere sweater, a pink top and a floral rust top. It is a good basic that you can jazz up in  different ways.

Elvi have a really exciting new range right now so pop on over and treat yourself.

 

 

 

 

Mummy in a Tutu

Linked to Creative Mondays

Redecorating your bedroom is a lot of fun, but that doesn’t mean you want to do it all the time. It can be expensive to put up new wallpaper or buy new furniture because what you had before is no longer up to scratch. Putting together a durable bedroom setup will help you create a beautiful bedroom that stays looking lovely for longer. If you want your room to hold a timeless look for years to come, you need to make the right furniture and decoration choices to keep it smart. Take a look at these tips for a more durable bedroom.

Bedroom

Image from Pixabay

Get Solid Bedroom Furniture

Options like IKEA are good for affordable and stylish furniture. But how long will the things you buy from them really last? They might survive a few years, but you could end up needing to replace things sooner than you had hoped. If you really want bedroom furniture that stands the test of time, you should be prepared to spend a bit more on some solid, well-made furniture. Say no to MDF and plasterboard, and invest in solid, durable materials that you can rely on. If you want to save money, try looking for secondhand items.

Invest in a Decent Mattress

Your mattress is one of the most important things in your bedroom. If it’s not right, you won’t sleep well. Some mattresses might start off comfortable, but could soon start to feel lumpy. Investing in a decent mattress that will keep its shape and last for years is worth the cost. Take a look at the warranty that comes with a mattress before buying, the best mattresses will often have a mixture of good and bad reviews too so do your research.

Bedroom

Image from Pixabay

Use Outdoor Fabrics

A slightly more unusual way to make your bedroom more durable is to use outdoor fabrics in your interiors. Outdoor fabrics are designed to stand up to anything, so they can be tough and sometimes easier to clean too. You can find heavier fabrics that are great for upholstering, but that you could also use for curtains, accessories like pillows, or even rugs. Choosing these durable materials will help your bedroom to stay looking pristine for longer, and you won’t have to redecorate when fabrics start to get worn out in just a couple of years.

Make Your Bedroom Easy to Clean

If your bedroom is easy to clean, you can prevent wear and tear more easily. There are a few things you might do to create a bedroom that doesn’t make cleaning too difficult. Choosing a minimal style will mean you have less to clean and dust, saving you a lot of time and hassle. Rugs are easier to clean than full carpets, and it can be more sensible to have a headboard you can easily wipe, rather than an upholstered one.

Create a durable bedroom that will stand the test of time, and you can benefit from a bedroom you love for longer.

Looking after elderly relatives in your own home is something more of us will be doing as we have an ageing population. As many families struggle with financial pressures, often it makes sense to pool resources and live in a multi-generation household. Whether due to frailty, loneliness or bereavement, many older people would love to live with their loved ones. My advice would be to think about the emotional and practical implications before making life-changing decisions. Honest communication is key along with practical stuff such as deciding if you need to install a stairlift in your home and working out which welfare benefits may be available to your family.

Looking After

Role reversal

There are certain times when it really hits us that we are actually adults. When your parents need you to care for them, you start to realise that you will be doing some of the very things they did for you when you were growing up. Tasks might range from offering a listening ear to more intensive care such as helping with dressing, toileting and personal hygiene. You may have to accompany your parent to medical appointments and ensure they take their medication at the right time.

Juggling it all

The very time when your parent needs to live with you often comes whilst you are bringing up your children and also trying to make a living. It can be a very stressful time and it is vital you recognise yourself as a carer and seek support. You may feel isolated but there are lots of people out there who can help from your local authority to a wide range of charities. It is a sign of strength to say that you need help and to seek it. Only by looking after yourself well can you care effectively for those around you so never think it is selfish to say you need support too.

My experience

When my mother died, I knew I wanted my father to come to live with me. He was adamant that whilst he liked the idea he would need his own personal space. It took me a year to find the perfect accommodation with an annexe attached to the house. We had some amazing years of memories together before he passed away. He had such quality time with his grandchildren treating them, reading to them and laughing with them. In turn, they learned so much from him and treasure their memories of him. I supported Dad as his needs became greater and he was lovely to have around for me too. We had fun trips out together with a regular Tuesday lunch date and also fish and chips on Fridays. He shared stories that he had not told me when my mum was alive. It was a very precious time for all of us.

Things that can help

You can meet other carers in person or online. You can ask your local authority for the assessment of your elderly relative’s care needs and also your support needs. You may be able to claim welfare benefits or to apply for grants. Depending on the individual, your relative may need special equipment which might be anything from mobility aids through to a specially adapted vehicle. Ensure you look into things like Meals on Wheels and laundry collection services that just might make life a little simpler for you all.

I would recommend looking after elderly relatives in your own home wholeheartedly so long as you have the right support in place. Of course, individual circumstances differ but with a little goodwill and imagination, it is possible to live together and thrive in a multi-generation household.

 

Looking After Elderly Relatives In Your Own Home

3 Little Buttons

Cuddle Fairy
Musings Of A Tired Mummy

I am not quite sure when the bum bag became a thing to be honest. When I was growing up any form of bag was pretty much the domain only of women. In fact when I hit teenage years, my mum thought I should have a bag pretty much around the time she thought I should start wearing a bra. Both seemed to be seen as a female rite of passage.

Although at that time Dad was the one working in an office, I only remember him having a wallet to carry things around in. There may have been a briefcase at some point. Mum had  several bags of different styles full of all manner of paraphernalia needed for her life and the demands of parenting too.

At some point, I became aware of bum bags but at the time I think we smiled about them. There was some daft idea that no real man would wear one. Having said that my brother did finding them really convenient when travelling the world.

The bum bag is back!

Wearing a bum bag today means you are on trend. So if being fashionable matters to you, check out the bum bags available on the High Street and online. Just because you have not tried one before does not mean it will not work for you this time around. If you have the budget available, why not check out the designer bum bags available. Many of the bigger fashion houses are starting to bring the bum bag trend back and incorporate them into their latest lines. When houses like Louis Vuitton, Chanel and Prada start doing things, many of the high street retailers soon catch on and begin to offer plenty of their own iterations to. Different materials, sizes, shapes, colours – the possibilities are endless.

Advantages of a bum bag

You usually wear a bum bag around your waist. I like this idea as it means I won’t constantly be pushing the strap back up onto my shoulder. I find this so annoying and have shoulders that seem to slope in a way that means straps from bras and bags constantly slip down. That said, bum bags seem to frequently be worn around the shoulders too so there’s plenty of ways to style them if you’re not a fan of them around your waist. Also a bum bag leaves your hands free for when you want to take that Instagram picture, send a text or sip your cuppa.

So are you ready to throw caution to the wind, celebrate your freedom and try a bum bag? With so many styles available from all the different online and high street retailers you’re bound to be able to find one to perfectly suit any mood or occasion! They don’t even just have to be a single season accessory and you may find that having tried one this season, you will be convinced and want a new one for the next.

Are You A Fan Of The Bum Bag?

 

 

Twin Mummy and Daddy