pinkheartstring

How to (Really) Get Your Toddler to Sleep

Let your little one sleep with the easy tips I'll give you!

How to Make a Mosaic Heart Box

Making a heart box is easy! Check out how you can make one.

Dads Don't Just Wear Ties

Dads play a vital role for child development. Find out how so you'll get to love your Dad even more!

Earth Needs Moms

We love our moms but let us find out what they can really do for us and why Earth needs moms.

20 DIY Loom Bands Bracelet + 15 Creative Ideas

Still can't move on from the loom band craze? Get some more ideas here.

Charlotte Victoria Collection's Couture Dresses and Tutus

Dresses and tutus from Charlotte Victoria are indeed high fashion. Get one for your little love and look as fab as this little girl.

Thursday, May 21, 2015

Coloring Books for Adults to Combat Stress

coloring books for adults

Feeling stressed out after a day's work? If you are a stay-at-home mom like me, I am sure you had been doing so many chores from cooking to cleaning. Well, it is indeed tiring especially when looking after the kids. But hey mom, you deserve some break. You can either read a book, watch movies, play games with the kids or maybe even do some coloring!

Yes, you got it right. Coloring for adults is a good way to release stress. It is a feel good activity where you get to play with colors. You'd definitely feel like a child again while doing this. As a matter of fact, you can join your little ones while they are coloring. But get your own coloring book. No, these aren't the coloring books like the kids use because coloring books for adults have complicated designs. I am sure these are so fun to color!

The Huffington Post stressed out that coloring has a de-stressing power. This occurs because we focus on coloring and we forget our worries and problems. Psychologist Gloria Martínez Ayala said, "The action involves both logic, by which we color forms, and creativity, when mixing and matching colors. This incorporates the areas of the cerebral cortex involved in vision and fine motor skills [coordination necessary to make small, precise movements]. The relaxation that it provides lowers the activity of the amygdala, a basic part of our brain involved in controlling emotion that is affected by stress."

So, I created a round up of these books for you.

Johanna Basford Secret Garden

1. Secret Garden: An Inky Treasure Hunt and Coloring Book
2. Enchanted Forest: An Inky Quest & Coloring Book
3. Balance (Angie's Extreme Stress Menders Volume 1)
4. Mystical Mandala Coloring Book (Dover Design Coloring Books)
5. Detailed Designs and Beautiful Patterns (Sacred Mandala Designs and Patterns Coloring Books for Adults) (Volume 28)
6. Flower Designs Coloring Book (Volume 1)
7. Dover Creative Haven Art Nouveau Animal Designs Coloring Book (Creative Haven Coloring Books)
8. Paisley Designs Coloring Book (Dover Design Coloring Books)

adult coloring books

9. Enchanting English Garden: An Inkcredible Scavenger Hunt and Coloring Book
10. Pattern and Design Coloring Book (Volume 1)
11. Creative Haven NatureScapes Coloring Book (Creative Haven Coloring Books)
12. Dream Catcher: a soul bird's journey: A beautiful and inspiring colouring book for all ages
13. The Language of Flowers Coloring Book (Dover Nature Coloring Book)
14. Adult Coloring Book: Stress Relieving Patterns
15.  Creative Haven Creative Cats Coloring Book (Creative Haven Coloring Books)


When you color, don't use colored pens. Crayons are the best to use when coloring. Aside from the ones above, there are still more lovely coloring books for adults that you can choose from.

I am sure that this is a fun activity to do especially when you feel so stressed and tired.

Friday, May 8, 2015

Do More with Less in Your Bathroom

Do decorate your bathroom? If you are planning to do that, here are some tips from our friend Kathleen from After the Build. For sure, you will find this helpful!

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More often than not a bathroom looks better off without much stuff. If you want to remodel your bathroom, it is probably a good idea to stop and think whether you need to make lots of changes or stick with a simple design to transform the interior. The truth is, you can do more with less in your bathroom, though you may not realize it. Applying a few changes to your bathroom interior can make all the difference between a cramped bathroom and a minimalist one. There are several things you can do to remodel your bathroom the inexpensive way, while keeping the interior beautiful. Check out some tips and advice which we have provided in this article.

Do More with Less in Your Bathroom

Paint the Walls White

In order to create that simple and clear look of your bathroom, you should paint the walls of your bathroom white. It not only makes the room appear larger, but also cleaner and tidier. You can choose other colors as well, as long as they are not too bright or bold. But since you are trying to create a minimalist design, you need to stick to one color. White is one of the most common colors when it comes to bathrooms. One of its advantages is that it can make a room feel bigger. Whereas dark colors create the feeling of an overcrowded place. However, if you want, you can use gray, beige, purple and brown.

Use White Towels

Nothing will give a more luxurious look to your bathroom than white towels. If you want to get a minimalist bathroom, you need to use white towels. If you don't have white towels, you had better display no towels at all.

Replace Shower Curtain

To make the look of your bathroom more minimalist, make sure to use an acrylic or glass door instead of a shower curtain. The former will create a more minimalist look of your bathroom. In case using a glass door is not an option for you, you will have to make do with the shower curtain. Just make sure it is white  and as simple as possible.

Replace Furniture

If you want to remodel your bathroom, it might be better to start with replacing the furnishings. This may sound like an expensive solution, but it doesn't have to be. There are lots of furniture pieces on the cheap. Choose a simple design from a home improvement store. Plus, as you aim to achieve a minimalist look, you will only need a few furnishings (think cabinets, sink, toilet and shelving).

One thing you need to understand about minimalist bathrooms is that all surfaces should be clear. Your items should have a designated place. Keep them where they belong, preferably hidden in a drawer or cabinet.

Use Less Stuff

If you want to create a minimalist bathroom, especially if the place is small, you ought to steer clear of displaying too many items on the shelves. Hide most of the stuff behind cabinet doors and leave only the essentials, such as towels, toothbrushes, soap.

If there is lots of stuff in your bathroom, you may start to feel closed-in and trapped. Make sure you clean up your stuff during your bathroom remodel to prevent the room from getting overcrowded. Not only will it improve the look of your bathroom, but also provide more space and make you feel much better.

Add One Accent Piece

Finish off by accessorizing with one accent piece of your choosing. The options are numerous. For example, a glass bowl full of pebbles, flower vase, candle, etc.

Get a minimalist bathroom look right away by following these simple steps and be sure to use handyman services.

Image Credit: Wikimedia

Friday, May 1, 2015

Top Child Products 2015 MEGA Giveaway Worth $800!

give

Welcome to the Top Child Products of 2015 Guide MEGA Giveaway!

I am your host StellarManicMommy2, and I want to say thank you for stopping by this blog to enter our giveaway. Being able to give back to our readers is very important to bloggers, because without you guys we would be nothing. So, thank you! Now onto what the Top Child Products of 2015 Guide is, its a year long virtual guide that will help you learn about everyday products. From infant to teenage items, you can find real reviews by real people.

Now to go the good part! StellarManicMommy2 is Hosting a MEGA Giveaway with SO many great prizes!

Grand Prize Winner will win a Prize package worth $800!

-UpWeeGo Chair and Steps
-Moover Wooden Red Rocking Horse
-$25 Gift Certificate to Thirty-One by Amanda
- Silver and Pearl Pea Pod Necklace (up to 4 pearls)
-An EquiptBaby Diaper Bag Set
-$50 Gift Certificate to Small Hands
-Organic Baby K'Tan Baby Carrier

Second Prize winner will win a prize package worth $75!

-$25 Gift Cert to Thirty-One by Amanda
-$50 Gift Cert to Useborne Books by Joy

-Now let give a special Thank you to all those who have made this giveaway possible-


-Your Host-


-Your Co Hosts-


-Your Sponsors-


Good Luck Everyone!

Wednesday, April 29, 2015

Review: Kim Kardashian Hollywood App


Kim Kardashian Hollywood

I know you know who is Kim Kardashian. And yes, she is this famous that she has her own game. I actually saw this game before but never thought of downloading it. But then, I saw that many are playing and that it has already millions of users and fans. Hmmm...there must be something about this app.

And so, one day, when Bella took a rest from her iPad Mini sessions (lol!), I had my time to download the game and eventually tried it. In this game, you will become a star, rule the red carpet, deal with paparazzis, date celebs, makeover, and many others. Of course, you would be friends with Kim Kardashian too.

It actually took awhile for the game to load and then it came to the part where you can randomize your own character. It is YOU who is on the game. You can customize it later like what I did.

Kim Kardashian Game

The first part is that you are working in a shop called So Chic. You'll be folding clothes and other until you have a close encounter with Kim Kardashian. And from there, your road to stardom begins because KK will see that you have the potential to be a star like her. Too good to be true in real life Lol.

There would be conversations and you could choose what to respond. This way, you are in control of the game. And notice that I have a different look already.

=Kim Kardashian Hollywood App

There will be different tasks and missions for the game. You would need energy for that. This is the downside beside it takes time for the energy to return and I got so bored waiting for it. But you can actually watch videos too and earn energy or money. You will have money and stars too which you can use to purchase items and even energy.

See that blue green button? When you tap that, you can complete a task. You would have some appointments to have your photos taken for a magazine spread or sometimes, just guest appearance and others. Your task varies and you will feel even more like a star as your level increases.

Kim Kardashian Hollywood App Review

The missions that you need to accomplish are on the left side. You would take small tasks to achieve them and gather stars and money along the way. In this screenshot, you can see my character talking to Simon, my manager.

Kim Kardashian Hollywood Review

And of course, you will also mingle with other people too. Some would even create some issues and others like what happens in the real world of Hollywood. Just read my conversation with KK below.

But it is important that you mingle with others to increase your popularity. You must even have a date with someone.

Kim Kardashian Hollywood Game

And yes, you can change your outfit and your look too. Here are two of the looks I had for the game. You would need to buy some of the clothes and others.

All in all, I love the game! It is even somewhat addicting!

Kim Kardashian Hollywood

I am sure you will enjoy this game. You can check it out and download too! But I am warning you, you have to be patient because it takes some time to load. But then again, it is worth the wait! I enjoy playing this game.
Kim Kardashian Hollywood

You can download it through the link above or you can try checking it in iTunes. This is for iPhone and iPad.

Guest Post: Fortress Apartments in New York City

I had been writing about apartments these days for a different website and here is a guest post about apartments. This talks more about the safety in an apartment.


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When you are looking for an apartment there are some things you should always be mindful of. One of these things is of course safety. While fortress apartments in New York City may not yet be a real thing, there are plenty of apartments in town which can make you feel as though you have the protection of armor on. Here are some of the things you should be looking for in order to find your very own fortress apartments in New York City.

Apartments in New York City

Doorman: Maybe the first thing which can put up something of a barricade between you and the outside world are doormen. You want to be sure that you are having a doorman on staff on a full time basis. You also should check to see if there are doormen and security or if it is just one. The security detail is an added bonus because they are mobile while the doorman sits vigilant at the front desk always. 

Video: Whether your apartment building does or doesn't have a doorman there is another never-blinking eye which can be of use in order to maintain safety in your building, video surveillance. This is particularly helpful if you are going to be away and leaving your family for days or weeks at a time. Moreover the video portion of the surveillance can actually be a lot more of a deterrent for thieves or others looking to cause mischief. A doorman is a person and people are flawed; a video surveillance system is electronic and has none of these same flaws.

Records: An even bigger deal for many people looking for fortress apartments in New York City should be the amount of records which are kept of visitors to the building. This also is becoming something of an automated thing so much so that a person may not even need to be there to record it in order to know that you or someone else was there. You should ask about how far back records are kept at the buildings you are looking for and see how much of this paper trail the building can produce. You don't want to be a stickler about something like this but you are looking for your very own fortress apartments in New York City. 

Neighbors: One final call to arms may be the impact of your potential future neighbors. This can be something of a hit-or-miss thing because when you are visiting the building you may not get a very wide swath of neighbors, but it can't hurt to ask anyone you meet in passing how safe it is they feel in this building. You will hopefully find out some good answers to your questions and will be able to make a much more empowered and informed decision about the level of security in that building from their answers.

While all of these things are important, you have to do your own due diligence in order to discover if these fortress apartments in New York City are actually as safe as they sound. While researching on Prestige International you may have thought you had found the perfect bit of application of this ethos. Prestige International has got the very best apartments with so many wondrous amenities like spas, private decks, private entrances, and top-notch security so that every visitor to your unit is cataloged. Don't take my word for it though; look for yourself on the Prestige International webpage and find out just how accessible, safe, and entrenched you can be in somewhere as crowded and excited for space as New York City!

Image Credit: ZG Renderings

Tuesday, April 28, 2015

Choices Available When It Comes to Garden Ornaments Stone

Do you have a garden? If so, how do you decorate it? Do you use structures and sculptures aside from plants and trees? Today, we have a guest post about garden ornaments stone. This is an informative article that would help you decide the kind of material for your garden ornaments.

Garden Ornaments Stone

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Who doesn't love to have a well-appointed garden area? It's no mystery that some of the loveliest ornamentation for your outdoor area are stone garden ornaments. They can be ornate, they can be elegant, they can have history, and they can be all of these things at once. But where in Dublin do you go to find the best stone garden ornaments? What are some things you should look for in a Dublin stone garden ornament retailer? Or from any stone garden ornament retailer actually?

Natural: One of the biggest pet peeves of people trying to have professional looking work done on their homes is when a swindler comes in and tries to pass off cheap replicas of whatever the item is as "authentic." So it goes for the stone garden ornaments you may be looking into. You don't want to have a hollowed out plastic piece installed that you think is natural stone.  You should be working with a partner who only uses the very finest and very best natural pieces from the finest quarries.

Handcut: Another thing about having custom stone garden ornaments is that you are going to want to have them done the way you would like. If you are going for subtle curves and a weathered natural look, why would you consider using a machine to cut straight lines? The thing about the very best stone products makers is that they have the machines to do the heavy lifting but they also do so much of the work by hand; it's almost second nature to them. You want your stone pieces to have the right look and the right style and you don't want your stone pieces to look like they rolled off of an assembly line somewhere.

 photo garden-ornaments2_zpsvgaywfly.jpg

Stone: Then there is the matter of what types of stone you are being offered. If there are few choices, that is not going to satisfy most refined pallets. However if you can use many different types of granite, stone, and other pieces to help erect these structures, you are going to have a lot more success. The bottom line is that you want to be able to see from a stonemason that they have the experience working with many different types of stone. Who knows? You may even discover that there is some type of stone out there that you hadn't even considered before that suits your backyard swimmingly!

Custom: Finally there is the matter of custom stonemasonry. Even from an experienced hand, there is always the possibility that the work they do for you won't be on par with your expectations. You need to see a body of work across many different yards to find the perfect look and feel for your yards own stone mason work.

When you are on the hunt for your stone garden ornaments in Dublin you have many things to consider. These are just some of the suggestions you need to take into account in addition to price and local reputation. One of the best places to go for paving, stone, and other hand-cut items is S & N Granite. S & N Granite have got all of the best cuts of whatever type of stone it is that you are looking for. If S & N doesn't have the stone you want onsite they can certainly order it for you. And the S & N team pride themselves on taking and exceeding the expectations on all of their past custom orders. If you are looking for your very best stone garden ornament and you have been everywhere else, consider S & N Granite today!

Monday, April 27, 2015

Last Week to Co-Host Bloggers Brags Pinterest Party

Oh how time flies!It has been two months that I hosted this amazing party! And now, it is already my last week. It was fun to join the girls in pinning and in visiting every post that joined us each week. I do hope you will continue joining the party for the next months to come!

Welcome to the

Bloggers Brags logo 

Here are this week's 

Featured Posts from the Bloggers Brags Pinterest Party

Featured posts from week 75

Here is my favorite post from last week's party!


 photo Scream-free-683x1024_zpsoj1b365q.jpg

This post about Scream Free Parenting from Montessori Bloggers Network would be very helpful to moms especially when we are about to melt-down from stress and when our kids are kind of hard to deal with.
* * * * * * * * * * * * * * * * * * * * * * * * Rules of the Bloggers Brags Weekly Pinterest Party
LET'S GET OUR PARTY ON!

  • Be a follower of your hosts on at least one of their social media:
Pinterest Party Hosts Are...hosts of Bloggers Brags{Misty from  Denverista @ Facebook or Twitter or Pinterest or Google+}      
{Tammy from Creative K Kids @ Facebook or Twitter or Pinterest or Google+}

Please follow our co-hosts on at least one of their social media accounts.  They will be pinning 35 posts a week and commenting on those posts.

cohosts for March and April

  • Pin our Pinterest party button or a visible link onto your sidebar, post, or party page. This will help others to find our party and will bring more visibility to your links! 
Creative K Kids
  • Please make sure that you link directly to your post’s URL and not to your blog’s URL.
  • Pin the two links before yours! If EVERYONE pins, then everyone will get more Pinterest love. 
  • Link up a maximum of 3 links. They can be old or new–they’re all new to us, and we want to see them!  Please link up posts only one time to the Bloggers Brags Pinterest Party.
  • All posts must be family-friendly.  If you link up an post that contains alcohol, it may not get pinned if it goes against the hosts/co-host's beliefs.
  • OPTIONAL: Follow our Bloggers Brags Board on Pinterest. You don’t have to do this; but of course, you’ll want to! We will be pinning all of these links to that board which will also gain more exposure for you! You can find the Bloggers Brags board here. 
      Here are just a few more details!  

  • If your post is featured, you can grab this button!
Creative K Kids
  • Disclosure: By linking up and including a picture, you agree to Creative K Kids and Denverista and any co-hosts to use your pictures and links in any future posts on any of their personal blogs. Your photo may also be used for promotion on all social media outlets of Creative K Kids and Denverista as well as any future co-hosts.  We also may link your printables and other resources up to our permanent linkys to gain you more exposure. 
  • If you include your e-mail in the linky form below you will be added to a weekly reminder e-mail when the link party goes live. Your e-mail will not to added to any other lists or given out.  
  • If you would ever want to co-host this party, please contact Misty or Tammy.  You would have to pin 35 posts from this party a week and comment on those 35 posts.  You also would schedule this party on your blog every Monday for 7 am CST.  We would give you the script every week, and you would just add a featured post from the week before.  We ask that people follow you on at least one social media.  It is a two month commitment.  We are currently looking for 2 more co-hosts for May and June.  You can email Tammy at creativekkids@creativekkids(dot)com if you are interested.  Thank you!
  • Please do not add any shops, reviews, giveaways or link-up parties.  Links that do not comply may be removed and will not be pinned or commented on.


If You Were on My Shoes

It is never easy to be a mother. Whoever said that it is easy to be one isn't and wasn't a mother. We wear many hats from a chef to a manager. Being a mother means you have to be able to multi-task and you can never do this without love. As a matter of fact, everything is the fruit of love.

If You Were on My Shoes

I could recall when I was younger that I seldom see my mother at home. When I wake up, they aren't there anymore. When I sleep, they are not yet at home. My mother and father were busy for work. But nevertheless, I never felt like there was something lacking in my life because my mother would ready our snacks and everything we need before she leave. During weekends and holidays, she would take us out for a family bonding with our father.

I knew deep inside me that what she is doing is not as easy as one, two and three. No, it isn't about counting tasks and responsibilities. It is about why you need to do a certain task. I knew deep inside me that every single thing she is doing is for us. I can even appreciate the simple snacks she prepare for us or the days when she would drop by our school to hand in our snacks. I knew she had to skip some work just to be there. I knew she was running out of time but chose to be there.

All this time, I knew that all her sacrifices weren't for her own good but for the entire family's sake.

Zalora Shoes

Now that I became a mother, I knew it wouldn't be easy but because I have pondered on the sacrifices a mom has to do, I have prepared myself for it. But then again, the only easy thing to do for being a mom is to love. The rest would require sweat, energy, sleepless nights, and  a whole bunch of self-sacrifice.

I am a mother now and I have learned to wear different shoes.

I could be on high heels and walk with pride because not everyone can be a Mommy while everyone can be a mother. I could walk like a beauty queen because I know I have nurtured a beautiful individual inside of me who is gorgeously walking beside me now. I could still project with confidence while wearing heels because I know that I am empowered....because every mother is an empowered woman.

I could wear ballet flats when I needed to do more challenging tasks, so I can freely walk and set my feet on the ground while my head is still high. I could still be proud and happy even when my heels aren't raised up because I know I chose to wear flats so I can twirl and pirouette along with my music.

I could wear tennis shoes so I can run miles and reach my dreams. But running that road to my dreams isn't a race that I ran alone. I have a child on one hand, a man on the other and the entire family is joining me on the race of my life. I needed to wear the right athletic shoes so that I won' t get bruises and scars in the end. So that by the time I reach the goal, I am still whole.

I could wear classical shoes so I could learn to look back to my past. This way, I will be guided better for the future. This way, I would know how it felt to be wearing those Oxford shoes. This way, I can teach my daughter that the things that happened to the past are valuable to what we become today and who we will be in the future.

I could wear gum boots when it is stormy so that I could resist being too damp and messy. Doing this will help me to become stronger and I'll be able to show my daughter how to deal with life challenges without changing who I am. Because problems and challenges are meant to mold us into better persons and not into ugly ones.

Mother's Day

Yes, I am a mommy and I wear different shoes. Wearing a variety of shoes isn't just a manifestation of the diverse functions and tasks I can do. It isn't just a manifestation of being beautiful and fashionable. But it shows how well I can walk and run my life.

I may have a collection of stylish shoes for women but it doesn't merely mean that I love to look great and beautiful. It means I am open to variation and that I can freely embrace changes just like the  different types of shoes, designs and colors.

As mothers, we have to learn to choose which is the right shoes to wear. And if ever somebody will judge us, open your wardrobe and let them choose a shoes to wear. Let us see if they can walk with pride like what we can always do no matter how high the heels are or no matter what kind of shoes it is.

Friday, April 24, 2015

Pura d’or Shampoo Review and Giveaway!

I always had a long lovely hair ever since. Even if it was short, it was still bouncy and soft. It moves when I move. It sways when I walk. I love my straight hair. It is something that my friends always envy about me. lol. My hair is well taken cared of. I shampoo and use conditioner. I also brush it 100 strokes before going to bed. Yes, I count it and do that every night before sleeping.

But when I got pregnant and had a daughter, things changed. I no longer had time for my hair, not even a manicure or pedicure. It would take some time to be able to finish combing my long hair. So I had it cut. With a short hair, I could just comb it with my hands. I could no longer spend a lot of time to take care of my hair because I would rather spend it for my daughter. She would need me all the time. When she is asleep, that is the time I could comb my hair but no anymore 100 brush strokes. Sometimes, I just see to it that it doesn't look messy. Done.

Aside from not being able to do the 100 brush strokes anymore, I also noticed falling hair. Lots and lots of falling hair. If you are in my house, you will see that there are hairs on the floor whenever I left - from the bedroom to the living room. Such a bad case of falling hair. I'd even wake up with plenty of hair on my pillow.In truth, I wasn't concerned or bothered. I didn't even look for a solution.lol

Pura d'or Argan Oil Shampoo Review

But here comes Pura d'or Shampoo. I wasn't familiar about it. The name sounds weird to me and I am not the type that tries this and that product. But I Googled the shampoo and there were amazing reviews about it. So, here came Pura d'or Argan Oil Organic Shampoo Hair Loss Prevention straight from the US. This is the shampoo sent to me. Features are as follows:

Prevents Hair Loss
Strengthens Hair
Adds Volume
All Natural and Organic
Vitamins for Hair Growth
NO Paraben, NO SLS and Gluten Free
12 DHT Blockers

What is Argan Oil by the way? Our friend Wikipedia defines it as "a plant oil produced from the kernels of the argan tree (Argania spinosa L.) that is endemic to Morocco. In Morocco, argan oil is used to dip bread in at breakfast or to drizzle on couscous or pasta. World-wide, it is gaining a reputation both as an ingredient in high-end, personal-care products and as a heart-healthy gourmet product." I have actually heard of it as an ingredient in many beauty products.

The first time I used this shampoo with Argan Oil, I noticed it smelled different. But it was very nice for the hair! When I combed it, no tangles at all and my hair was very soft. Aside from that, my hair fall lessened. No more bunch of hairs on my pillow when I wake up. It feels good in the scalp too. Even my mother liked it so much. She was pleased with the results. Hubby also used it since he had been complaining about hair loss and that he needs a hair growing shampoo. After using Pura d'or for about a week, there was a huge difference from his previous hair. As a matter of fact, he just had a haircut the other day!

Pura d'or Argan Oil Shampoo Review

My hair looked amazing again! It is bouncy and soft even if it is short. You can really see that the shampoo worked pretty well on my hair. All in all, this is the best shampoo I have every tried in my entire life. No joke. Not exaggerating! So, I want you to experience the amazing results of the shampoo too because Pura d'or is sponsoring a worldwide giveaway for Pink Heart String!

Yup, wherever you are in the world, you can join the giveaway. The prize is either a Pura d'or Argan Oil Organic Shampoo Hair Loss Prevention or a Pura d'or Argan Oil Organic Premium Organic Conditioner. You will get this for free. The value of the shampoo is at $24.99. But when you win the giveaway, it is totally free! So, what are you waiting for?

Pura d'or Shampoo Giveaway

Enter the giveaway below:

a Rafflecopter giveaway

So, go ahead and join the giveaway. You have nothing to lose!

Disclosure:This is a sponsored post on behalf of Pink Heart String. The participating bloggers advertising this giveaway are not responsible for prize fulfillment. One winner will be randomly selected using the Rafflecopter random selector and notified via email by the hosts of this giveaway, Pink Heart String. The prize will be provided by Pura d'or who will ship the same to the winners. Once notified, the winner will have 24 hours to respond or a new winner will be chosen. Pink Heart String will send the contact details of the winner to Pura d'or and they will be responsible in sending the prize to the winners. Winners will get either of the two products in the photo. This giveaway is in no way associated with Facebook, Twitter, Instagram, Youtube, Pinterest or Google. Void where prohibited. Open Worldwide.



Wednesday, April 22, 2015

How to Budget on an Inconsistent Income

Money matters is one thing that causes us headaches especially if you have an inconsistent income. So, today, we have a very helpful guest post about it.

How

Budgeting each month can be fairly easy for some people if they have a fixed monthly income to rely on. But, what if the monthly cash flow you are supposed to anchor your finances on is uncertain? Your expenses can easily get out of control if you don’t maintain a financial plan and you may end up not being able to stretch your income, enough to cover for all your monthly needs and obligations.
Here are some tips on how to create a personal budget when your month to month income is inconsistent.

1. Maintain a savings account. - If you don’t have any savings yet, start by opening a separate bank account to act as a buffer so you can meet your urgent expenses in case your income comes in late. Nowadays, there are microsavings accounts that you can help you achieve this goal. If you feel that your income is too small to start saving, you can begin by putting aside just P5 or P10 a day. While this may seem like a very small amount at first, you’ll be surprised at how quickly it can accumulate as you save some money on a daily basis.

If you can add more, then do so. Your spare change can go a long way; but make sure that you save the amount that you’ve decided on every day. And put it aside before you spend for anything else, for example, first thing in the morning or before you go to sleep at night. You can open a time deposit account and deposit the money once you have collected a significant amount, say a few hundred bucks. If you keep the cash out of sight and away from your hands, you won’t be tempted to use it.

2. Project your expected cash inflow for the month. - Estimate the minimum amount of money you expect to come in monthly. To do this, list the details of your monthly income for the past year. If part of your income is predictable, meaning it is safe to assume that you will earn it within 30 days, use it as a base for your expected monthly cash inflow. Then compute the average of your “unpredictable” income for the year and add it to the base amount. The sum will be your projected cash inflow.

If your entire income for the year is “unpredictable,” take the smallest amount and use it as basis for your monthly budget. For example, if in 2013, the lowest amount you earned in a month was P8,000, this is what you should assume will come in every month and build your budget around that.

3. List down your fixed expenses. - These expenses need to be paid every month including your utility bills (i.e. PLDT, Meralco, and Maynilad bills), rent, amortizations, medication, Philhealth premiums, and so on. Get the sum of all these expenses. When your income comes in, settle these first. If your bills don’t all come in on time for you to add them up, make assumptions based on the highest amount that you’ve paid before.

4. Determine how much to allocate for variable expenses. - Deduct your fixed expenses from your expected income. For example, if the sum of your fixed expenses is P4,500, subtract it from P8,000 and you’ll get P3,500. This is the amount you should allocate for variable expenses such as food, groceries, and miscellaneous expenditure. You can adjust your expenses in this category based on how much money actually comes in, but make sure that you prioritize savings and your fixed expenses before you allocate to your variable expenses.

5. Develop the habit of thrift. - Don’t think that just because you have more money in your pocket in some days, you have more disposable income to spend freely. Make sure that you save at least a certain amount before you spend it. Remember, you may have lean months as well. At the same time, however, don’t forget to allocate some money for fun things that you like, since you also deserve to enjoy your hard-earned money; perhaps start saving for a Christmas or vacation fund.

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