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Autumn 2019 Fashion Trends

It’s official, autumn is here! The days are shorter and the air is cooler, so it’s time to switch up your wardrobe. There are lots of exciting things that come along with autumn, and this includes getting to crack out your autumn wardrobe from the year before, as well as discover some of the latest trends. I’ve teamed up with Alterations Boutique, experts in wedding dress alterations, to give you a run down on some autumn 2019 fashion trends. They also offer a range of clothing alterations and repairs! Keep reading for some of the top autumn trends of 2019. 

Pointed Toes

Whether it’s a boot, a dolly shoe, or a stiletto heel, pointed toes are in! Pointed toe shoes give you a feeling of elegance, giving any outfit a sophisticated vibe. Pointed boots are a great way to keep yourself wrapped up warm while still sticking with the current fashion trends. Although pointed toes are a consistent trend, I have noticed more and more variations popping up on the high street! A pointed toe can really take an average shoe and make it look like you have made a bigger effort than you actually did – the best type of shoe. 


The A/W19 runway was filled with florals. Although florals tend to be in all year round, they appear to be making a big impact this season. Autumn will see more dark coloured flowers coming into the mix, rather than the brighter colours you see in spring and summer. It makes for a fantastic way to incorporate a pattern into your outfit without it feeling too out of season! Whether it is rocking an entire floral look, or just featuring it on one piece of your outfit, definitely give florals a go this season.


One of the strongest outerwear silhouettes we have seen making an impact on the runways was the cape. Cape’s are a fashion forward, sophisticated, and fun way to add to your outfit. Whether it’s structured and formal, or casual and floaty, capes can be incorporated into your outfit in various ways. These come in some gorgeous autumn colours, such as burgundy and dark brown, to give you the full seasonal feeling. They also add some warmth, which is obviously necessary as the weather changes. Fashion is important, but so is keeping yourself warm!


One style I have noticed coming in  this autumn is keeping things structured. Shoulder pads and sharp edges are in, contrasting to the slouchy silhouettes you may typically see as we begin to wrap up warmer. Having a structured outfit can be as simple as belting a blazer, so it is tight at the waist and shows of your shape. This works even better if there are shoulder pads involved, creating a womanly figure. Structuring doesn’t stop at clothing – you can also get a range of bags that have a similar structured style. 

What items have you noticed popping up so far this season? Let me know in the comments below!



Halloween Costumes that won’t scare your wallet! offer treats and no tricks when it comes to seasonal dressing up!

Kids these days are not likely to be impressed by a white sheet as a Halloween costume, like many of us sported back in the 80’s and 90’s. Things have moved on and picking a festive costume has become about expressing personality and imagination. However, it can be costly for parents, between fancy dress parties, trick or treating and school events!

Thankfully online deals website has a selection of costumes at great prices with more than 50% off that appeal to all tastes, whether your child wants to be horrifically ghoulish, a video gamer, or a princess!

  • Unleash your child’s inner Princess – treat your child to an outfit they’ll never want to take off and get them a gorgeous princess inspired children’s dress for just €13 instead of €33.  With four designs and five sizes, you can find the perfect look and size for your own mini Cinderella or Moana.  Shop here.
  • Wrap them up in a Princess Autumn Coat – and because it’s chilly at Halloween, you could also treat your little one to a Princess Autumn coat to compliment their costume for €16 down from €34. This coat comes in three gorgeous designs, all with cute princess details, along with a peplum fit, zip fastening and a snug hood to keep them toasty.  Shop here. These are actually really adorable, will be getting one for my niece who I know will love it.
  • Calling Gamer moms – Inspired by Fox Drift from the game Fortnight, this Fox Drift Face Mask will surely be a winner for any gamers in your family.  Now only €8.  Purchase here.
  • Soldier, Classic Skeleton, Colourful Gingerbread man – also has a range of full body costumes with masks, whether your child wants to be a soldier, classic skeleton or colourful gingerbread man. Each costume is available in ages five to twelve years old, and are excellent value at just €18 each instead of €43.   Shop here. My oldest wants the solider and the youngest the skelton which makes costume decision very easy this year!
  • Face Paint Crayons – you can’t go wrong with a pack of these non-toxic, skin friendly and easily washable face paint crayons! Just €7.99 instead of €22 for one pack of six face paint crayons or €12.99 for two packs.  Purchase here.

These offers are expected to fly off the virtual shelves quicker than a witch on a broomstick!

Order before 20 October to guarantee deliver before Halloween on


Saving vs. Investing for Your Retirement

Whether you’re in your early twenties and just out of college, or you’re a thriving professional just a few years away from retirement, it’s always a good time to think about your growing your nest egg. There are a number of ways to do that, and Central Willamette Credit Union is committed to helping you understand each of them. Two of the most popular ways to grow your money for retirement are through saving and investing. We’ll go over the pros and cons of each to show you the differences when it comes to saving vs. investing.

Which Is in Your Best Interest?

coinsThe first thing to know about investments is that they come in many forms. Mutual funds, stocks, and real estate are just a few examples of the many types of investment opportunities you could pursue. Essentially, an investment is anything that’s expected to bring you a return on your money and help it grow over time.

There’s something in the financial world known as compound interest. Compound interest can work for or against you. For example, if you take out a loan, the interest will cause the principal amount borrowed to grow so that you wind up owing more money over time. But on the other hand, compound interest can work to your advantage.

Let’s look at the annual return rate of the S&P 500, a stock market index that tracks the stocks of 500 of the largest companies in the US. It’s generally viewed as a good indicator of how well the market is performing. Historically speaking, the S&P 500’s annual compound rate of return is roughly 10 percent.

Now, let’s look at an example. Let’s say you’re 35 years old and decide that you want to start preparing for retirement by investing in mutual funds. You invest a modest $10,000 to start out, and you don’t contribute any additional money over time. Assuming a 10 percent compound rate of return, by the time you hit 65, you’ll have close to $175,000 saved for retirement. A nice amount, but not necessarily enough for a long retirement.

So let’s look at the same example again. You’re 35 years old when you make an initial investment of $10,000, but this time you contribute a monthly amount of $200. You do this faithfully over the course of 30 years. At the end of that 30-year period, your initial $10,000 investment will have grown to about $570,000.

Of course, the earlier you begin investing, the more your money will be able to grow. That’s because compound interest’s best friend is time. Likewise, the later you begin to invest, the more aggressive you will have to be with the amount of money you set aside. If you want to see how compound interest could work in your particular situation, try this compound interest calculator. You can plug in the numbers that apply to you and adjust it to see how much you’ll need to invest in order to get to your desired retirement nest egg.

Saving, on the other hand, refers to setting aside a certain amount of your income, typically to obtain a financial goal. It could be for something small, like saving for an annual vacation, or for something larger, such as saving for retirement. If you’re doing the latter, it’s typically recommended that you save 10 to 15 percent of your annual income. So if you make $50,000 a year, you’ll want to set aside between $5,000 to $7,500 a year for retirement. Assuming your salary doesn’t change, setting aside $7,500 a year, or $625 a month, would net you $225,000 over the course of 30 years.

Can you make compound interest work for you when saving? Yes and no. It’s possible to open a savings account with an interest rate that will help you grow your money, but typically, interest rates on savings accounts are much lower than those earned in the stock market, for example. A typical annual yield on a savings account, for instance, may be 0.05 percent. Based on this interest rate and our example above, you would wind up with about $226,640 at the end of the 30-year period.

Now let’s take a look at saving vs. investing with the previous example. If we start with an initial amount of $10,000, set aside $200 a month and continue to save over the course of 30 years with an annual yield of 0.05 percent, we wind up with about $82,675. That’s significantly less than what we accumulated when we were investing the same amount with a compound rate of return of 10 percent. That’s the power of compound interest.

Worth the Risk?

So if that’s the case, you should just invest all your money, right? After all, who doesn’t want to wind up with the most amount of money possible for retirement? Well, not so fast. Remember when we said that compound interest could work for you or against you? That’s the case with investing as well. You have to be able to weather those ups and downs in what can sometimes be a volatile market. Sometimes those volatile years occur back to back, meaning you can lose money through investing just as quickly as you were able to earn it.

Let’s take another look at the S&P 500. If you take a look at this chart, you’ll see that just last year, the market saw a negative return. But looking back to the early 2000s, the market took even more of a hit. Investments saw a negative return of roughly 9, 12 and 22 percent in 2000, 2001, and 2002, respectively. Jump ahead to 2008, and you’ll see that the market saw an astounding 37 percent loss. That’s why investing can be risky.

Saving, however, is relatively safe. You can grow your money in your bank account without fear of loss. If your money is kept in a federally insured bank or credit union, you are insured up to $250,000 per financial institution. Saving provides financial security for your future without the risks that often come with investing.

There are other noteworthy differences when it comes to saving vs. investing. You may have heard of the term liquid asset. Cash, for instance, is a liquid asset. When you save for retirement, you have that money at your disposal to be used for whatever purpose. However, investing means that your money is sometimes tied up and not readily accessible. This is what we call a non-liquid asset. If you invest in land or real estate, for instance, it could take quite some time to sell that property and convert its value into cash. That’s another factor to consider when deciding whether you want to save or invest for retirement.

At Central Willamette, they are committed to helping you find the best solution for you. They offer a variety of savings and investment accounts to help you build wealth for the future. We’ll help you find the solution that best fits your needs. There are many factors to consider when it comes to retirement. Schedule an appointment with one of their financial advisors so they can put you on the path toward an early one.


Note: This is a collaborative post

***Win, win win*** tickets to Seaworld, Aquatica & Busch Gardens

Enter to win tickets to SeaWorld, Aquatica and Busch Gardens

Florida is renowned world over for its theme parks which are a class apart. From rollercoasters that are sure to give you goose bumps, to free falling jaw-dropping rides, from an array of marine life and animal experiences to educational shows and more. There is something for all age groups in these parks. 

Today, I am super excited to host a giveaway in association with Ocean Florida, for my readers.  Drumroll please……………. a chance to win a pair of tickets to not one but three top parks in Florida namely Aquatica, SeaWorld and Busch Gardens. The 3 for 2 Tickets to the SeaWorld Parks gives you 14 days unlimited access and FREE parking. 

SeaWorld is famous for its rides and shows, Aquatica is a mega impressive water park and Busch Gardens for its hair-raising roller coasters.

Who wouldn’t want to experience all three amazing parks. If you headed that direction in 2019 or 2020 do check out the competition below.


Enter via the rafflecopter below and a random winner will be selected by Ocean Florida

a Rafflecopter giveaway

Note: #collab post – open worldwide, closes 30/09/2019. Prize will be picked by Ocean Florida.


Are you ever #driventodistraction

people carrier

Our recent Iceland road trip Pic Credit: The Mamma Fairy Blog

We love to travel and that’s both locally and overseas and often favouring ferry travel so w can take our own car when we can. On a recent road trip we were trying to guestimate our yearly road miles! Anecdotally it is believed this figure to be around 10,000 a year for us id say multiply that by at least 5 or 6. One thing I will say and I’m very proud to say is how safety conscious my husband is. It is a lot of responsibility for him opting to be the driver the vast majority of the time. I’m not ashamed to say he is the better driver.

Recently I happened upon a game by Kwik-fit which I thought was really interesting. Entitled #driventodistraction it gives you the chance to test your reaction times by answering the questions on the phone whilst concentrating on the road and looking out for the STOP sign and it records how long it takes for you to stop! Sounds easy?? I urge anybody who is on the road to give this a go, you will honestly be so surprised.

As part of their research Kwik fit found that 19% of the surveyed drivers admitted that they sometimes take calls while driving, 17% admit that they read texts off of their phone, and 12% send texts. Aside from the obvious breaking the rules of the road, clearly any of the below can serious diminish your reaction times and even worse still be the time needed to react in an emergency situation.

GPS/ Sat Nav on phones

phone on car dash

Pic Credit: Pixabay

Many of us are guilty of using the sat navs/ GPS on our phones to help us find the location we need however using your phone to type into the map function is no different to txting etc – you still are utilising the phone and the possibility of being #driventodistraction is still there irrespective of how you are using your phone. If you need to use your sat nav feature/ gps on your phone – delegate!

Life is precious and we all owe a duty of care to our own passengers and other road users. There is no txt no call worth it. Pull over when safe or wait until you get there.

As an aside do have a nosey on the Kwik fit webpage for some further information on other safety matter like tyre wear and tear and brakes.

Note: This is a collaborative post

Single Parent days out deals or not!

Having a family travel blog we get lots of queries via email, DM and across social media on our adventures and days out. I am very much a bargain shopper when it comes to travel and days out making use of sites like Groupon to get the best value


Image Credit: PayPlan

One cohort of emails that I often received when I do post a deal or good offer or blog about the activity always  strikes a chord with me.  That is the disparity of prices in the deals that I share for “family” 2 +2 offers and families which comprise of a single parent. PayPlan who are a free debt advice provider have produced a very useful infographic which looks at the true cost of activities for single parent families. Ill be very honest its not something that I had ever considered before but know it really is something I will be very aware of when sharing deals.



Image Credit: PayPlan

PayPlan have produced an infographic which shows the results of their own research into the cost of family activities comparing 2 parent plus 2 children deal when compared with the cost of two parents plus two children. The infographic is reproduced below with kind permission and the results will shock you. The family train ticket cost difference I found staggering.

Other statistics they found include; which I really I really didn’t know was that 1 in 4 families class themselves as “single parent” and a statistic which I find really upsetting is that – a third of children with a single working parent family live in poverty. I find that so sad.

The research found that most single parent families were headed by a single mother and that one in ten have used payday loans or foodbanks to get by.

There is a useful hashtag #CostOfSingleParentLiving where you share your experiences and read about other peoples.

The results of their research found that being a single parent will cost you more in every instance. I had to read that a second time to really process it. So shocking.

Unfortunately I don’t have the magic solution to how this could be rectified and while I doesn’t impact me directly I feel its important to raise awareness of this issue.

Note: This is a collaborative post



3 Things You Need to Consider When Opting for Additional Help

older couple holding hands

Pic Credit: Pixabay

Getting older doesn’t have to mean losing control of how you wish to live your life. The prospect of nearing an age where you need assistance in your daily living routine is a scary concept, but it doesn’t have to be. Your body is your temple, and you are still in control of it, able to make your own decisions and still maintain the freedom you want (and deserve).

Choosing to move into a residential care home or get some additional help through an outside caregiver or family member can sometimes be an emotional time and a huge transition, but it could be for the best. Here are a few starting points to consider when making this decision.

Make a Checklist of The Things you Require 

Understanding where and in what capacity you need help is a vitally important step when considering your situation. You might need assistance in doing your weekly shop, or preparing meals; it could even be just to keep up with the general cleaning around the house. There are solutions to all these problems from asking friends and family to help you out, or hiring professional services if you don’t want to feel like a burden.

If you conclude that you will require a lot more help than initially thought, then it’s time to consider having long term support.

Do Your Research and Choose A Company You Can Trust 

Choosing between moving into a residential and staying in your home can be a much easier decision when you have the option of in-home care. The idea of being in your home, and having an outside caregiver come into your space can be a very comforting thought. Especially when compared to having to be moved to a residential care home and away from the household and life you have known.

It’s your right to feel safe, cared for and loved by the people you nominate to be your in-home care assistants; and companies like know that which is why they make it their priority to offer dependable and quality caregiving.

Take the time to look into different companies, and focus on ones who have glowing reviews from everyday people who have used their services. Make contact and inquiries and ensure that the company offers everything you need before you commit to anything.

Prepare Your Home for Change

If you choose to stay in your home and accept outside care, it might be a difficult adjustment in the beginning. Your home is a safe haven, a place where all the things you love are collected, and a place where you have spent many good years and happy times. Accepting that you need help might involve someone coming into your home, and this won’t always be friends and family. Having someone new come into that area in a capacity where they may need to move and clean your belongings, or spend a great deal of time in your personal space, is a huge transition that you may need to prepare yourself for.

If there are certain boundaries you wish to set – requesting the caregiver not to go into a particular room, for example, if they don’t need to – then, by all means, set them. As long as it does not interfere with the level of care you deserve, there is no reason you cannot still maintain some privacy in your home.

Note: This is a collaborative post


Buying property in Dubai is everybody’s dream, whether it be an investor who wants good returns on his/her investments or a purchaser who wants a high life in Dubai. Like any other part of the world, to buy a property in Dubai, you need to address certain issues and fulfill some requirement. Following is the step by step guidance on those requirements:   

Eligibility Criteria

Any person can purchase a property in Dubai’s freehold areas. These include residents of Dubai and overseas nationality holders.



  • Passports 
  • Form B is required. Form B is a signed agreement from the buyer.

 A company incorporated in UAE:

  • Incorporation certificate (COA)
  • Articles of Association (AOA)
  • Memorandum of Association (MOA)
  • Resolution of Board of Directors
  • Power of Attorney
  • Form B is required. Form B is a signed agreement from the buyer 

A company incorporated Overseas:

  • Documentation is same as in case of a company incorporated in UAE, but the company incorporate overseas is required to get all these documents attested by the Embassy of UAE  
  • Form B is required. Form B is a signed agreement from the buyer  


If the property purchased exceed 1M AED by any buyer, residency visa is issued to such person by the Dubai government. All such residents are bound by immigration rules and regulations are needed to renew their visa every 6 months.


The mortgage market is booming in Dubai, as many Financial Institutions offer mortgage plans to non-resident owners. There are many types of mortgages that are available with these financial institutions, and each type has their own limits.

Taxation and Fees:

No taxes either income or otherwise are levied by the Dubai government. Only 1.5% in terms of registration fees is to be paid by the buyer. Transfer fees are required to be paid to the Developer (property Under Construction) and to Dubai Land Department (Fully Completed projects). If you are buying the property with Mortgage money, an additional 0.25% is levied on the value of loan or mortgage. If the property is fully complete, maintenance fee for services is to be paid to the seller

Need for a bank account:

To make things simple, no requirement to open a bank account by the overseas buyer has been laid by the Government. You can hire a lawyer that can make all the arrangements for money to be transferred to an account dedicated for this purpose and sail you through, smoothly. Even your presence is not required at the time the property is transferred in your name if you empower your lawyer through a power of attorney. 

Note: This is a collaborative post

Household…….Deals, Deals, Deals

laptop and phone

Pic Credit: Pixabay

Anybody who knows me in the “real world” or has been following the blog knows im the “Queen of the Deal” when it comes to finding cheap flights, hotels or anything holiday related in fact. Travel is one of our big passions so squeezing in as many trips as we can requires hard work and research however…….one of the things which I hadn’t been good on was what I term “household admin”. That is comparing providers, seeking out value on utilities and considering other providers. Observing the status quo was the default position.  Not this year! Ever on my quest to squeeze a little more out for the holiday fund I have turned my attention to saving money on household bills.

“The Month” 

July is “the month”. Every house I think has one – you know that month where all the utility contracts expire, the one off bills fall due, motor tax, insurance etc. We moved into our house in the month of June so consequently every July falls “the month”!!! In preparation I have been doing my homework and I was really excited too find that there already exists a  a very user friendly site that compares deals. on TV, broadband, mobile contracts and sim only deals.

Delighted to see that all the main providers available there including; Sky, BT, SSE, Vodafone and many more. There really is so much choice out there and it can be so difficult to choose when you have to be flicking back and forth on different pages having them in coherent, easy to read and follow list is incredibly handy.  Having a really quick look and taking account of our usage and preferences Virgin are offering one of the best deals out there for us at the moment. A combined TV and broadband package coming in at £29 a month. Really great value. Also what is really great about the site is that it links you straight through to the deal no messing around trying to recreate it, takes you straight there.


The numbers nerd in mine was drawn to an interesting survey which compared the average price of 1GB of data in 230 countries. Could be very handy to know for those who travel for either work or pleasure. So where do you think has the cheapest data???

  • Cheapest appears to be around the Eastern European countries
  • More expensive being North America, Africa and Western Europe.

Hovering over an individual country in the link will bring up its associated data. This includes country name, its ranking out of the 230 countries measured, its cheapest available 1GB of data, its most expensive 1GB of data, how many plans were measured to create the average, and on what day the snapshot was taken. Really interesting stuff but then again I am unashamedly a numbers geek!

Comparison website such as Cable can really help save some extra on the household bills, as the saying goes every little really does help and it makes no sense why you would pay extra for essentially the same service, particularly if like me you are the average user and don’t require all the bells and whistles some plans come with.

Using the tool it looks like I will save almost £200 by changing my provider. Its  a no brainer really. Now the next important plan ….where too next as £200 will go a long way for our next family trip.


5 Things to Do With an Old Smartphone

Your old smartphone still works, but you’ve just upgraded to a new and faster model.  Now, you’re wondering what you can do with your old phone.

Instead of throwing it away, why not try these 5 things?

Help Mother Earth By Recycling

mobile phone in hand

Pic Credit: Pixabay

Whatever you do with your old cellphone, don’t throw it in the dumpster. You won’t be contributing to a greener environment and a safer one for the future generation.  It doesn’t take much to properly recycle your old gadget. For instance, you can hand it over to the nearest recycling center so they can take it apart, reuse it or harvest for individual components. Or, you can take it to a recycling programme that gives you in-store credit, gift cards or cash by turning old branded tech.  It’s certainly better than having your old gadget end up in the landfill and pollute the earth by leaching toxins into the ground.

Help Organisations by Donating

A functioning phone that can make calls, send SMS or browse the web may still be useful to other people. Think about who or how you’d want to donate your gadget for a good cause.  It could be your local church, a goodwill centre, an animal shelter, library or hospital. The staff welcomes any serviceable tech they can use to do their jobs. The same goes for old laptops, tablets, computers, fax and printers.  You can also give it to your co-worker, neighbour or favourite relative the next time you meet. Make sure to gather the cable, charger and any accessory so they can fully enjoy the gift.

Re-Use Your Phone As A Backup

Find your old phone’s charging cable and power it up. Activate the cellular network so you can start making calls or sending messages with it. When it’s full, put it in a sturdy case and somewhere easily accessible, e.g., in your locker, car or bag. You’ll be safer knowing that you’ll have a backup phone in case something happens to your main unit.

Turn Old Into New

Did you know that you can create an mp3 player, an eBook reader or maybe a portable TV with your old phone? Here are some fun projects you can try:

  • Portable TV. Install YouTube, a streaming app such as Netflix, Amazon Prime or Twitch and you have a dedicated video app for entertainment. If you have kids, load it up with their favorite cartoons and a video app so you’ll have something to distract them with.
  • Remote Control. Never lose a remote (and precious time) again when you turn your old tech into a remote. Search through the App Store or Play Store and download the corresponding remote for your Smart TV, Apple TV or Roku device.
  • Music Player. Get Google Music or iTunes and some of your favorite songs into a workout playlist. Attach a Bluetooth speaker or some wireless headphones and you’ll have a dedicated music player when you’re exercising at home or outside. You can also turn it into a static sound system by placing it on a charging dock and plugging in wired speakers.
  • eBook Reader. Do you love to read books? How about your partner or kids? You can turn your old tech into a storybook, a virtual magazine shelf or a library, depending on what you prefer. All you need is to download the Kindle app (or similar programs), magazines or eBooks and voila! A personal eBook reader. On the same note, if you prefer audiobooks, get the corresponding app and listen to podcasts or software that can read classic books aloud, for example.

Sell Your Gadget For Cash

Last but certainly not the least, you can turn your old mobile into quick cash by listing it up online. Popular sites such as Amazon, eBay and Facebook do have sections where users can advertise their secondhand items and sell them for money.  Simply upload a nice photo, details about the phone and its condition, then set a price. Wait for offers to come in, and when the price is right set up a meeting and you’ll have money to spend.

For easy and direct transactions, you can turn to online tech recyclers to sell your tech for money. Fill up an online form, send the item in and wait for them to receive it. You get fast cash and a straight appraisal right away.


Note: This is collaborative post