5 Ways to Save for a Mortgage Down Payment

Sunday, August 20, 2017

Owning your home might feel like a pipe dream if you do not have enough money for a deposit. However, there are many ways to boost your bank balance, so you will soon receive the keys to your first property. Read the five ways to save for a mortgage down payment.

1. Open a Savings Account 

Separate your income from your mortgage savings, so you will never unwittingly or deliberately spend the money. Look for a high-interest account that will allow you to maximize your savings, so you can make a down payment on your dream home sooner rather than later. Do your homework to find the best savings account for your cash.

2. Create a Budget 

Before you start saving, you must first identify how much money you will need to put away each month. Factor in all your monthly bills, such as your rent, car payments, credit card debt, shopping budget and more. Review the numbers to discover if you are spending too much money on a morning cup of coffee, or if you can consolidate your debts into one lower monthly repayment.

Once you have identified how much cash is left at the end of each month, you will know exactly how much money you will need to save – so you can estimate how long it will take to put down a deposit.

3. Start Selling Your Stuff

Sell your unwanted items to boost your bank balance and save for a mortgage deposit. Advertise your unwanted gadgets and books on a marketplace smartphone app, online auction website or at a second-hand store. You can even sell a gift card for cash at ejgiftcards.com. Not only can it amplify your savings, but it will help you to downsize your belongings before you move into your new home.

4. Save Your Windfalls 

Saving up all those little financial windfalls can make a big difference to your savings. Whenever you receive money for a birthday, tax refund or bonus, you should use the extra cash towards your deposit. You could even ask friends or family members to swap a present for money when presenting you with a Christmas, wedding or anniversary gift.

5. Have an Emergency Fund 

Life can sometimes stand in the way of our dreams. Unfortunately, a car repair, medical expense or unexpected bill can eat away at our finances. If you don’t have a rainy-day fund, you might have to dip into your savings. To ensure you don’t need to take money out of your account, we recommend having an emergency fund, so you will be financially prepared should the worst happen. The financial flexibility will ensure you remain on target so you can finally invest your hard-earned savings into a new home.

Do you have any helpful tips for saving up for a mortgage down payment, or handy advice for budding home buyers? Feel free to share your helpful tips with our readers by writing a comment below.

Colourpop Cosmetics Sand Collection: Now On Sale Review & Swatches

Friday, August 18, 2017

If you follow Colourpop cosmetics, you may be asking yourself "didn't the Colourpop Sand Collection come out this Spring?" And guess what? You're EXACTLY right! But don't these colors look FALL-ish? LOL Many of the collections that makeup companies came out with this year definitely had a Fall/Autum vibe. This is my FIRST Colourpop purchase! When they initially came on the scene, I was like who is this cheap makeup company!?! I dismissed them (BIG mistake). Those prices? What about the quality? Well I kept looking at and reading Colourpop reviews from my fellow blog buddy Tanya of Leopard Lace And Cheesecake and I was impressed. Everything looked great on her and she told me, Kim you have to try them. Colourpop comes out with a plethora of collections, which seems to be every week! I was trying to find one that was right for me. I follow YouTuber MesiJesiBeauty and she did a review of this collection. I was so impressed with her tutorial and explanation of things, I bought everything! THESE were my colors! The pigmentation of the blush, highlighter and eye-shadows are absolutely amazing. You can see that from my swatches below (I used Smashbox original primer on the back of my hand). Plus everything blended well! I do like the Ultra Satin Lip. It dries down as a matte, but it's mousse-y. So I didn't experience any cracking or flaking. But it will settle into fine lines if your lips aren't prepped or moisturized well. I did prefer Strip over Strut (but that's just a color preference). I don't have anything bad to say about this collection and I will buy more Colourpop makeup. I embedded MesiJesiBeauty's tutorial below (I followed her tutorial in the looks below). Mine is not exactly the same, but with more practice ;) I like her, because she takes you step by step when applying products. Eye-shadow application can be intimidating, but I'm learning a lot from her. This collection is now on sale. The prices were already cheap, so you can imagine now. Had to tell you guys about this. Have you purchased anything from Colourpop? Any recommendations? Anything you should stay away from? Let me know in the comments! Have a great weekend!

supersweet(run & buy it) sweet(really good,buy it) bittersweet(ok, issues)not sweet(not good,don't buy this stuff) 
  Colourpop Sand Collection is Supersweet 
Colourpop Ultra Satin Lip is Sweet

Colourpop Double Play Pressed Powder Blush in GETTING HANDSY and 

Pressed Powder Highlighter in PADDED DOWN

Colourpop Heavy Hitter Pressed Powder Palette: FULL ZIP (matte), RINGER (metallic), 

SIDE TRACKED (matte) and TOP NOTCH (matte)

Colourpop Pressed Shadows in L-R: EGO, CONUNDRUM and BOXER

Colourpop Supershock Eyeshadows in REVERSIBLE and SUPER HARD CORE

Colourpop Ultra Satin Lip in STRIP and STRUT

First Look With Colourpop Ultra Satin Lip in STRIP

Second Look With Colourpop Ultra Satin In STRUT

Bath And Body Works Fall 2017 Collection Overview Shopping Review and Tips

Wednesday, August 16, 2017

Hey Guys! I stopped by my local Bath & Body Works to start stockpiling picking up candles & home fragrances for Fall. I was going to place an order online, but there were so many scents (I couldn't decide) I thought it would be better to stop by my local store and check them out. Plus, I don't know if it's happening in your area, but many brick & mortar stores are C-L-O-S-I-N-G (which means a loss of jobs for some people). So that's another reason why I went to the store (even though I don't like doing so). I mean you miss out on Ebates etc. The girls at my store were so nice & helpful! I'm going to make a concerted effort to shop out more. Below are my thoughts & suggestions on their Fall 2017 Collection. To see last year's collection, click here.

Bath and Body Works 3-Wick Candles Fall 2017

Bath and Body Works has come out with an entire HONEY candle & body care collection. It's all about the honey...HONEY! I was really impressed with their "You're The Bees Knee" candle. The notes are rich vanilla, tonka bean and wildflower honey. It smelled really good. I found it to be very soothing and perfect for the colder months (hopefully we have colder weather this winter). There's also a Hey Honey candle which is Honey Pear! It's nice as well, with more of a fruity scent. The honey collection also includes all types of shower products, hand creams and hand soaps. WHAT'S NEW in the candle range? Let's first talk packaging! I love the new popular chalkboard design labels on many of the candles. On the lid it says "Eat Dessert First!" How cute! Bath and Body Works says a lot of these scents are NEW, but I recognized many of them like Caramel Pumpkin Swirl, Pumpkin Cupcake and Pumpkin Pecan Waffles from last year. I wish they would've brought back Pumpkin French Toast (it was awesome). Hot Cocoa Cream is new this year and if you love chocolate, then you have to get this candle. It's chocolate goodness! Very rich! I know not everyone is into sweet scents, so definitely check out their new Almond, Cinnamon, Bourbon Butterscotch, Eucalyptus, Bergamot, Lavender, Lemongrass and other scents. Please don't pay $24.50 for one candle! Bath and Body Works has revolving sales. It's just a matter of catching one! Sometimes candles are $11, $12.50, or Buy1, Get1 Free. Sign up to receive emails (they give even better discounts via emails).

Bath and Body Works Fall 2017 Wallflower Plugs

If you're into Wallflower Plugs, three stood out for me! The Shimmering Wheat Bundle (so pretty in person), Hammered Pear and Heirloom Pumpkin Nightlight. There are some Halloween ones online, but I didn't see any in my store. Maybe I overlooked them. These can run upwards to $18.50. So again, do not pay that! LOL You can also get the refills as low as $3.50 when you get a good sale.

Bath and Body Works Fall 2017 Body Care

These are what made me go into the store! The packaging is so adorable. Milk cartons. Fluffy marshmallows. Ripe red apples. GO INTO THE STORE! The packaging is cute, but the scents are light. Very light! The one that stood out for me (that had the best scent) was the Champagne Apple & Honey Scent. It smells like crisp fresh apples! Very clean! Very refreshing! The others were uhhh ok. The scents were just a little too light for my taste. So I'm glad I went in. The other day, they had these for $7 each (regularly $13.50 - $18.50). Be cautious of Buy 3, Get 3 Free! If you purchased 6 @ $7 = $42; If you purchased 3 @ $13.50 (low end) = $40.50 (you would get 3 free and you would beat the $7 deal); BUT if you purchase scrubs $16.50 or body butters $18.50, they're going to charge your for the HIGHEST product and give you the cheaper one's free. See what I mean? Be a savvy shopper! There's also a new Coco Shea Collection, but I forgot to sample it you guys :P

Bath and Body Works Room Sprays & Mists

I didn't see any new scents for Fall, but I love these because they are concentrated, sleek and neat. Two sprays makes a room smell so good. I've gotten so many compliments on these. My favorites for Fall are Pumpkin Pecan Waffles and Pumpkin Cupcake. Perfect for Halloween & Thanksgiving. Do not pay $7.50. Grab them when they're 2 for $12 or if you can get them cheaper. That fun Sugar Skull in the picture below is a Scentportable Holder. I didn't know this, but Bath and Body Works has a CAR FRAGRANCE line! This is just the holder, but they do have refills.

Bath and Body Works Fall 2017 Hand Soaps

Bath and Body Works seems to be changing up their hand soap packaging (at least for Fall). It's a wider but sleeker bottle. All the new honey scents are nice (salted honey & vanilla, golden pear, sunkissed citrus & honey, golden honey blossom, honey lavender woods etc.). There were three pumpkin scents (sweet cinnamon pumpkin, marshmallow pumpkin latte, and white pumpkin peppercorn). THE BEST ONE if you want a true pumpkin & cinnamon scent is white pumpkin peppercorn. Awesome! They also had a nice sparkling cranberry cider and spiced apple bourbon hand soap ;) I subscribe to Bath & Body Works email and they said TODAY ONLY, handsoaps are going to only be $2.95. See a deal through email! They run regularly $6.50, $7.50 etc. I paid $5 each for mine :P See the fluctuation in prices!

Bath and Body Works Cosmetic Bags

And Finally! I didn't see these on their website, but how cute are these cosmetic pouches!?! 

So this is what I purchased at the store. But I want two more of everything here, plus pumpkin pecan waffles, vanilla pumpkin marshmallow (which you can only get ONLINE), & you're the bees knees. For some reason, I gravitate to their Fall line more than their Christmas collection!