Author

Deborah Cruz

Park Model homes, Park Model homes in Florida , Buying a Park model home , Park Models for sale , Carefree Park Model homes , Affordable Florida vacation homes , Carefree RV Resorts

When people think about borrowing money, it causes anxiety. Nobody wants to be in debt to anyone else. Why would anyone purposely borrow and create debt for themselves? The thing is, it’s really not that simple. People usually borrow money to get them through to payday and beyond or to pay off existing debts because they need to. Most people don’t just borrow money to do frivolous things with.

There are, definitely, many different reasons to borrow money. It’s essential to have money when you need it for the things you need to live a happy life, even if that means borrowing it. There are good debts and bad debts, and the best kind of debt is one where you have consolidated everything into one payment with Visio Lending. When it comes to the reasons for borrowing money, let’s check out some of the main reasons people borrow cash.

  • The first reason is for a vacation. I know it may sound frivolous but we really need that time to decompress. People love to hit the beaches and feel the sun on their faces. It’s not easy to save up for a family vacation, especially when you have a big family, but it is necessary. Borrowing the money and buying a vacation and paying it off later is one way to solve your short term cash flow issue!
  • Special occasions often need a little extra cash flow, and it’s common knowledge that people borrow money for Christmas or even for their wedding. Weddings are expensive, and it’s well known that they take a lot of money to sort out. With a loan, you can get the wedding of your dreams and think about the repayments afterward.
  • Children cost a lot of money, and it’s not unusual to find yourself short when it comes to school fees or uniform costs. It makes sense to take a loan out when you have to buy into new technology for the school or new equipment. Giving yourself a little breathing space can make a big difference to your finances and your children’s education
  • No one is likely to take a loan out for general shopping, but when it comes to furniture and appliances? You can’t always plan for them to deteriorate. If you ensure that you have a loan company as a backup, you can replace the refrigerator or oven as you need to. You can get a loan for the big things in the house, but you should bear in mind the costs afterward.
  • The car is one of the most valuable assets you have to be able to get where you need to be. When the car breaks down, you need to be able to do something about it so that you can stay on the road as long as possible. You can upgrade your car, or you can just get yours repaired, but either way, it’s an excellent reason for a loan.

Don’t be afraid of debt when you choose to take it on. Whether you are paying off debts or you are replacing your car, taking out a loan can enable you to do more and later on, pay it off, and build your credit at the same time.

 

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work from home

Working from home is no longer something just a few special people get to do. More and more people are working from home. I, myself, was a work from home mom until I recently went back into real-world to wok but I’ve got to say, I think I may be going backward. Working from home is the future and the future is now.

I decided to work from home when I became a mother. I worked hard for my degrees. I educated myself and prepared myself for the business world. I made plans and then my plans changed. I had my daughter and suddenly, there was no greater success for me than to love her and to be present for as many of her moments as possible.

READ ALSO: A Baby changes Everything

Thankfully, I was able to parlay my education and experience in a career. I forged a new path and it really was one of the best things I’ve ever done. If we’re being honest, there’s no other place I’d rather be.

Whether you run a business from your home office or you work remotely, it’s crucial to aim for high productivity. Multi-tasking and organization are your best friends. If you’re a home worker looking to make the most of the workday, here are some tips to keep in mind when you work from home.

Establish a routine

When you work 9-5, you get up at a certain hour of the day, you schedule a time to get to work and you make sure that you’re at your desk between specific hours. With working from home, there’s a lot more flexibility, but that doesn’t mean that routines and patterns aren’t beneficial. They are more necessary than ever.

Contrary to popular beliefs and movie scenes, working from home doesn’t usually involve sitting in your PJs with a laptop propped on your knee and endless episodes of Friends running in the background (though some days it could, especially if I’m writing a piece on Friends.).

READ ALSO: Only 9 More Summers

If you’re based from home, it’s crucial to get into the habit of working to a schedule and creating a routine that suits you. Everyone is different, and have varied strengths and weaknesses. Play to your strengths. If you’re a morning person, get up early and start work as soon as you’re ready. You can adjust your working hours to suit individual clients or to cater for other commitments, but getting into a routine going will almost certainly boost productivity.

Make use of technology

Technology plays an increasingly influential role in the world of work. No matter what kind of job you have, it’s highly likely that you’ll benefit from using technology on a daily basis. If you’re working from home, you should ensure that you have access to all the technology and gadgetry you need to do your job to the best of your ability. If you spend hours working on a computer every day, it’s worth checking your security software and making sure you stay updated with apps and programs. Technology advances all the time, and if you’re using the same programs you downloaded a year ago, or you haven’t updated apps for months, you could be missing out on features or tools that will save you time and effort. There are all kinds of technological innovations that can benefit home workers, so it’s well worth keeping an eye on the market and looking into investments that could make life easier for you.

Outline clear objectives

Confusion can contribute to delays, so it’s always beneficial to outline clear objectives and make sure you know what each day holds. I live by a planner. I need things written down in black and white on a list. At the beginning of the week or the start of a new project, establish goals and targets, work out a schedule and ensure you know how to tackle the task in hand. If you have questions or queries, contact your boss or the client and seek clarification.

Working from home can provide flexibility and a better work-life balance. If you’ve recently started working at home, or if you’re thinking about switching to a home office, it’s worth exploring ways to ensure high levels of productivity. Get into a routine, design a schedule that works for you, make sure you have clear objectives and take advantage of innovative technology.

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parenting teens, next time they won't need me, letting go, mom of teens

Our most recent trip to Walt Disney World may have been the last one of my girls’ childhood wonder. It wasn’t on purpose. They didn’t try to do it but it happened. I felt it. The gentle pulling away that is growing up. As a parent, there’s nothing you can do about it.

You’re presented with 2 pseudo choices, go with it and gently let go with a loving smile while wiping away the secret tear in your eye. Or you can hold on for dear life, as they push, pull and drag you off of them. They love you but their instinct is to achieve maximum freedom and independence. You’re a hindrance to both, whether you mean to be or not. There’s only one way to come out of this alive, you have to let go so that the subtle pushing and pulling away of childhood into adolescence doesn’t kill you both.

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Happy New Year, New Year Resolutions, Easy Resolutions, Celebrate 2020

Every year at this time, I feel a wave of panic wash over me as an urgent impending need to accomplish all of the goals I set for myself last New Year’s eve. Every new year is a new opportunity for a new beginning or in some cases, another year to disappoint myself and feel like a failure but not this year. This year is the year of easy New Year resolutions to help you live your best life or as I like to call it, Wednesday.

For the first time in my adult life, here we are on the dawn of a new day, new year, new decade and I feel no regrets. I feel no sense of urgency to rush to change because I’ve spent the last few months focusing on reaching my goals (well, a set of goals). Today, tomorrow and the next day after that are just another day because that’s how I’m choosing to see them. Every day is just another day but it’s also the opportunity for a fresh start. Every single day. 365 days a year.

What is a New Year’s resolution anyways?

A New Year’s resolution is a tradition, common in the Western Hemisphere but also found in the Eastern Hemisphere, in which a person resolves to change an undesired trait or behavior, to accomplish a personal goal or otherwise improve their life.

All of this is based on the premise that we find fault and imperfection in ourselves. We do. I can honestly say, I don’t know (nor have I ever known) a single grown woman who is 100% happy with her body or herself. It’s a sad statistic. I used to think it was just me but this year, I realized my unhappiness with myself stemmed not from imperfection but from the state of being fallible and doing nothing to better myself. I only feel like a failure when I’m not trying. As I believe there is no try only do, I feel like a failure when I’m not doing things to bring me closer to who I want to be.

READ ALSO: Resolving to Incite a Revolution

This year, when I was thinking of my word of the year and making my vision board (because goals without words are nothing but wishes) I decided that my main goal for 2020 is to live a life with purpose and intention. I want to find the courage and strength to pursue peace and success. I want to be able to confidently walk away from things and people who don’t work anymore with no regrets. I want to be okay with choosing me, no guilt attached.

These are more like habits I’m trying to grow than resolutions but for the purpose of the New Year, let’s call them New Year resolutions. Here are a few good choices to get you to a better life and your best self.

Easy New Year Resolutions to help you Live Your Best Life

Purge

Don’t Marie Kondo your house. That will only make a bigger mess. But clutter and mess cause a stressed mind and body. Take a deep breath, break big projects into smaller (more digestible) projects. If something no longer has a purpose in your life, get rid of it.

READ ALSO: Is the Marie Kondo Method for You?

Organization

It’s crazy how organization can give peace. A peace that you didn’t even know that you needed. Things need a place so that you can easily access them when you need them but don’t trip over them and frustrate yourself when you don’t. It’s that simple. I don’t know about you but piles of unfolded laundry make me nervous. Things without a place, just hanging out, stress me out. I don’t want to give those things space in my head in 2020. I want them to fade into the background so I can focus more clearly on the people and things that are important.

Be Intentional

Many of us live our lives unintentionally. We get swept up in what’s going on at the moment and we mindlessly move through the world. I know I do. My life, especially after having kids, became a series of putting out fires while I tried to keep my life on track. It doesn’t work. Distracted living isn’t living at all. It’s getting by and I (you) deserve more than just getting by. I pause and ask myself, is it worth it? The hard work, the loss, the gain, the calories, the time, the space? Is it worth it to me? If it’s not, I’m passing it up and walking away. Priorities matter.

Let it go

This is a hard one for me. I’m a hoarder at heart. I grew up with not a lot and it’s hard for me to get rid of things that are still in good condition, which includes people. I try to repurpose and find occasion. The result is a house full of clutter and a life full of stuff that I don’t need or worse, don’t serve a purpose. Sometimes the only purpose a thing needs to serve is joy. If it brings you happiness, it has a purpose. It doesn’t have to make sense. But if it doesn’t have any purpose, let it go. You don’t have to throw it out. I’m big on not being wasteful but pass it on. Donate it to someone who can use it. Let it serve its purpose and lighten your own load. Don’t think of it as gone, think of it as getting a second chance at a new life.

Move Your Body

I ignored this one for so many years. I have a bit of an addictive personality. I go all in or not at all. Or at least I used to. I’m trying to learn moderation and forgiveness for others and for myself. I know that saying that you’re going to start working out can feel overwhelming, especially as busy as we all are these days. And saying that you’re going to lose 20 pounds can feel daunting and burdensome, maybe even insurmountable. Then we just say bump it and give up. Well, that’s what I did, many times for many years.

READ ALSO: How I Reversed My Diabetes in 3 months.

I was either starving myself and obsessively working out or I was sitting on the couch, mindlessly snacking and binge-watching Netflix. There has to be a middle ground. Start with small goals. A 15-minute walk at lunch. Take the stairs. Drink your 64 ounces of water. Take your vitamins. One tiny goal at a time will put you on the path to where you want to be. Do not give yourself a deadline to get healthy because it’s a journey and a lifestyle not a destination. If you miss a day or eat the pizza/chocolate/cocktail so what? It’s ok. It’s just one day. As long as it’s the treat and not the norm, you’re fine. Move along.

Travel

The most important thing we can do for ourselves is to travel. It’s something that I’ve done since I was a child. My parents did it for us because we didn’t live by our grandparents and, in fact, my dad’s parents lived in another country. It was the best gift they could have ever given us. It made us compassionate, tolerant, inquisitive and instilled into our very soul, wanderlust. It was the catalyst for me to learn 4 languages. My greatest joy is sharing travel with my husband and our girls. Seeing the world through their eyes is priceless. Travel is worth more than any “thing” money can buy.

Read More

Remember those priorities I was referring to earlier? I’ve let reading fall off my list time and time again, and I love to read. I am a bibliophile at heart. But at the end of the day, it’s a luxury I can’t afford. But can’t I? I spend hours a day on social media? Why can’t I reclaim an hour a day back for reading and self-reflection? I can. You can too. Reading is knowledge and wisdom and can we really afford to stop learning in a world that is constantly changing? No. Reading helps us to better ourselves and build our brain muscles. It helps us to have more varied vocabularies and to become better versions of ourselves through understanding and knowledge. The question is, can we afford not to read?

Do it scared

Stop waiting for the perfect conditions. If you want to try something, do something new or change your direction in life, just do it. Of course, you’re scared. Anything worth doing will be scary at first. But as you shift onto your new path, you will get comfortable. Put your goals into the universe and follow it up with actions. Surround yourself with people who want the best for you and will support you when you try new things. Do it scared and you will achieve your dreams but don’t try at all and nothing will change.

Relax

It’s so much easier said than done. I’ve always been a bit hyper and manic. I stress a lot. It’s my state of being if we’re being honest. Or it was. Even when I’m sitting still, my brain is flexing in so many different directions. My brain likes to show off and do 23 hours a day squats. Do you know what that makes me? Tired. Downright exhausted and when you’re exhausted you get frustrated and you might be doing squats but you’re half-assing them and the effects are not what you want. Eventually, you and your lopsided ass just give up. So stop. Stop what you’re doing and breathe. Relax. Meditate. Reset. Refuel your soul. Restart.

Make time for “Me” Time

Me time might not always look like a massage and facial. Sometimes “me” time is driving to the grocery store for formula at 11 p.m by yourself with the windows down, blasting Pitbull and singing at the top of your lungs. Me time is about doing what you want, what you need to reboot. Especially as moms, we give out pieces of ourselves all day long until there is nothing left for us. There has to be something left for you. If there is no you, there is nothing for you to give to others. I’m not talking about living to serve others, I’m talking about being alive enough to share your own special gifts. We are all special and worth it. We all bring something unique to the world. We are all here for a purpose. You might be everything to someone but you first need to be everything to you. Put you first in whatever tiny or big way you need to. Don’t fade into the background of your own life.

Don’t care what others think

I’ve never really struggled with this one, at least not outwardly. I come from a big family and it serves you best not to worry about what other’s opinions are of you unless you want to be a useless puddle of snot and tears on the floor. I do struggle with measuring myself up to other’s success but I am working on that. But as far as other people’s opinions (other than my parents and my children), they mean little to nothing to me.

READ ALSO: The Moment I stopped Caring what Other People Thought of me

Life is too short to live by someone else’s expectations and rules. You do you and I’ll do me. As long as were not hurting one another, we’re all good. My fashion choices, religious or political beliefs, parenting philosophy and the way I choose to spend my money should have no bearing on anyone else’s life and vice versa. So I wear the bikini, I am tolerant of everyone, I support my friends and family in their pursuit of happiness even if it’s not mine and dance like no one is watching, and even if they are, I don’t care. I’ll invite you to dance with me. Live in the moments because this is the life that you will look back on. Live it on your terms and be happy.

Forgiveness

This is the big one. Practice forgiveness of others and most importantly of yourself. It will be the best thing you ever do for you and your mental health. Love others and yourself for all that you are not for who you think you should be or want to be in a year. Love yourself and others for who they are right now, in this moment.

Wishing you all a very happy new year filled with lots of love, laughter, good health, fruitful endeavors, happiness, and travel. Forgive yourself often. Be patient with yourself and pursue your dreams; life’s too short not to.

Me, I’ll be pursuing some dreams, making some changes and sharing some truth we can all relate to on here ( 3-5 times a week; stay tuned.)  You can subscribe to get your weekly newsletter and everything in one place, directly to your inbox. Never miss a thing.

Please come back and follow along.  On InstaStories ( for my daily #journeytome),  TikTok for some silly, Twitter for some conversation, Facebook for great parenting information and conversation and Pinterest for all the beautiful things.

 

 

 

 

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gift guide, tech for parents, girl's gift guide, Christmas, tech, travel, fashion, chooze, xdoria, kid's fit, American Girl, MaryEllen Larkin

Do you love tech? I’ve been a tech junkie since I can remember. Ever since they put me in front of that first Mac. It was love at first sight. These days, there is so much tech out there and so many new gadgets coming out every day, that it’s hard to keep up and know which of these things is really capable of making your life easier and which are an overhyped waste of time and money. However, there are plenty of tech options you can take advantage of that can make your life both easier and better for you. And those things shouldn’t be ignored.

READ ALSO: Gift Guide for Smart Women who Love Tech

We all lead hectic, busy lives and it makes sense to take advantage of the things that make our lives easier. Those little things that save you time and effort are the things you’ll appreciate most when it comes to spending time with those people in your life who mean the most, especially this time of the year.

I did some research and I’ve got a full list of examples that you should consider using in your home and when you’re out and about to make life easier. Some are simple tech upgrades while others are entirely new gadgets.

Use Smart Lighting in Your Home

Smart technology is starting to become a big thing in the home. If you haven’t yet installed a smart lighting system, now is the time to do it. It’s one of those little things that make a difference.

For example, when you’re lying in bed reading a book and then you want to go to sleep, with a smart light system, you can simply command your lights to turn off with your voice. You don’t have to get up and physically turn them off.

A Smart Thermostat for Your Heating System

As well as smart lights, you also think about using a smart thermostat. This allows you to remotely control your heating system and the temperature of your home using your smartphone or other devices.

It means you can turn the heating on before you get home so it’s nice and warm for when you get there. It’s a luxury that you’ll soon come to wonder how you ever lived without. And that’s no exaggeration.

Maximize Your Data

If you’re still using an old plan and an old smartphone, you’re making your day to day life harder than it needs to be. If you choose something like one of the SMARTY SIM-only deals, you’ll have so much more data at your disposal and that can only be a good thing.

By maximizing your data, you’ll be able to ensure that you’re always able to fire off that email or make a quick edit to a shared work document, no matter where you are or what you’re doing.

Install a Doorbell Camera

For enhanced home security and safety, you should think about having a doorbell camera installed. That way, you can see exactly who is outside your home and at your door before you open it up. And the great thing about these cameras is that they can connect directly to your phone.

You can even speak through your phone to the person by your door. And you can do this remotely, so if there’s someone delivering a package and you’re not home, you can just tell them where to leave it. It makes things so much easier in a wide range of scenarios.

Consider Self-Watering Plant Pots

Everyone loves the idea of having plant life in their homes. But the actual process of keeping your plants healthy and hydrated often falls down your list of priorities pretty quickly. Your home looks great with luscious plants around the place, but not so much when they’re dead and dying.

READ ALSO: Best Tech to Get Your Healthy 

Self-watering plant pots are now a thing that exists, even if you thought you’d never hear that sentence. It might not be a hoverboard but they feel kind of futuristic nonetheless. It certainly makes your life easier because you won’t have to worry about remembering to water the plants.

Use a Robotic Vacuum

Of all the tasks you need to do around the house to keep it clean and functional, the one people seem to hate most of all is vacuum cleaning. It’s noisy, cumbersome and time-consuming, especially if you haven’t got a high spec vacuum cleaner at your disposal.

That’s why you should consider using a robotic vacuum cleaner. They do exactly what the name suggests. They do the basics of vacuum cleaning for you and they move around the floor by themselves. There’s no real input from you, so you can sit back and put your feet up.

Buy a Universal Remote

These days, it can seem like your collection of remotes for all the many devices you have is too much to handle. It’s not sustainable to have 5 or 6 remotes lying around and in use all the time. That’s why you should simply buy a universal remote and make it the only remote you use.

They work like magic. You simply sync it with all the different devices you want to control and then start using it like normal. It really couldn’t be much simpler; you’ll wonder why you didn’t invest in one sooner.

Use an Automatic Pet Feeder

When you’re always on the go and out of the house, it can be hard to ensure your pet gets everything they need when they need it. No responsible pet owner will let their pets go hungry or without all the things they need, so they end up disrupting their day in order to accommodate their pets.

But that doesn’t have to be the case anymore because you can simply make use of an automatic pet feeder. These devices release the food for your pet as and when they need it. You simply need to load it up and program the timer to make sure the food releases at the right time.

Fix Your Sleeping Problems with a White Noise Machine

If you’re someone who has always had problems sleeping, it might help to invest in a white noise machine. Having a machine making noises might not sound like the best way to get you off to sleep, but it really does work and many people rely on these devices to get a good night’s sleep.

If nothing else has worked and you haven’t tried this solution yet, it’s definitely a good idea to give it a try and see how it goes for you. The white noise encourages you to sleep and the consistent sound keeps you sleeping for longer. There’s a lot of science behind it.

Invest in a Simple Portable Charger

This is another small thing that makes life so much easier and can get you out of all kinds of frustrating situations. Investing in a small and simple portable charger will enable you to charge your phone when it unexpectedly runs out of battery life, no matter where you are.

These portable chargers come in all shapes sizes. Some of them have less battery power, but they’re much smaller, making them great for that extra little boost of power you need when you’re on the go. But there are bigger ones available that you can rely on for the power you need too.

Why make your day to day life any harder than it already is? With these tech advances and options out there at your fingertips, it doesn’t make sense not to use them. By using these tech gadgets, you’ll have more time and energy to focus on the really important things in your life like family, your health and happiness and that’s what matters most.

What is your favorite piece of tech that makes your life easier?

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Have you been thinking about changing your career? Maybe thinking about rejoining the workforce. I did that very thing earlier this year; political scientist, storytelling lifestyle blogger turned preschooler pied piper. I get it. I love a good challenge.If you’ve spent a lot of your working life flitting between jobs or working in one area, choosing to retrain in something different can be a big and sometimes even scary deal!

Don’t let fear stop you from doing what you want; pursuing your passions. Honestly, there are so many benefits to going back to school when you’re older. It shouldn’t matter what your reasons are if you want to do this, then you should make it your priority.

“If you’re bored with life – you don’t get up every morning with a burning desire to do things – you don’t have enough goals – Lou Holtz”

If you are considering going back to school or changing career paths, it is never too late. There’s always options available to you… no matter what your dreams are.

Stay Motivated.

While it’s true that people who choose to learn a new career or develop their skills later in life have more to lose than someone fresh out of high school. It doesn’t mean you can’t stop and change direction. It’s never too late to pivot in life. I reinvent myself all the time. Life is always moving; you can’t stay stagnant. Even if you have a family, mortgage or other commitments you need to focus on during this change. Instead of letting it stop you, use it as motivation to do and be better; the best you can.

Be positive. Sure, it might be hard but it will be worth it. Focus on the benefits your new changes will give you and your family. The result will be worth it in the long run.

Clear Goals.

Most people don’t really know what they want to do when they go to college. Heading back to school at a later stage in life gives you the chance to know exactly why you are and have the focus and drive to stick the course.

Heading back to the classroom now, whether physical or virtual, could well be the best time for you. So go ahead, embark on a new career completely or branch out into a different area in the same field such as going from an rn to fnp degree online. You may find that you are more driven, focussed and determined now to reach your goals than younger you were!

Life Experience.

Are you worried you don’t have all the relevant experience for your new career? Instead, look at what other experiences you can draw on. There is a lot to be said about having life skills under your belt.

Don’t underestimate all you have learned so far in life. Look at ways you can work with what you know and have already learned. Look at how you can apply it to your new goal.

Skills such as;

  • Timekeeping
  • Interacting with other people,
  • Budgeting from dealing with household finances,
  • Managing schedules eg, juggling after-school activities.

These are all valuable qualities that a lot of employers look for.

So don’t worry about your life or even your age being detrimental to reaching your goals. Whether this is a new dream or goals just not yet reached, hold your head high, start your new journey and show the world what you’re made of!

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Disney, Credit Repair, financial security, financial freedom

Thank you CreditRepair.com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.

The holidays are coming up really soon and with that, so does gift-giving, which is my love language. Whether you like to give toys, clothes, travel, or experiences (my personal preference) to your loved ones, at the root of all of it is the innate desire to bestow upon the people you love gifts; tokens of adoration and gratitude. We wait all year for this one day to give. Why do we wait? Oh yes, because that is when the sales happen and we’re trying to spend responsibly.

READ ALSO: How to have a Quality Fashion Wardrobe on a Budget

Since the day we had our girls, we’ve been head over heels in love with them. We wanted, and still do, to give them the world. I don’t feel like it’s wrong to give them special gifts, I feel like it’s a blessing to be able to do it. Giving is a salve for my soul.

Disney, Credit Repair, financial security, financial freedom, quinceanera, My why, why I am working to reverse my diabetes, family, Signs of diabetes, diabetes, diabetes symptoms, type 2 diabetes, how to reverse diabetes

But then the accident happened my own personal life-altering moment. I took a misstep in a bridesmaid gown and our entire world changed. I broke and shattered the bones in my left leg while completely dislocating my ankle. I had no idea how momentous one wrong step could be. It’s actually a good metaphor for life.

READ ALSO: Bridesmaid Down

It was as painful as it sounds and that broken leg nearly broke us. The bills were astronomical. Recovery included 3 surgeries over 3 years, countless hours of physical therapy and rehabilitation and the cost of renting medical devices to just be able to take a shower or get around my own house. I couldn’t bear weight for 12 weeks. I couldn’t work. All I could do was sit and watch as the entire world moved on without me. It took a village to pick up the slack and there were lots of unexpected, hidden costs involved.

Christmas rolled around that year and all my weary heart wanted was to give to those I love but how could I? I got depressed and when I’m depressed, it’s cliché but, I like to shop. Somehow it empowers me when I’m feeling helpless. So in the middle of hemorrhaging money on one surgery after another, I kept shopping. It wasn’t about the stuff it was about the joy it brought me to give the smiles on my daughters’ faces.

READ ALSO: Tips for Maximizing Your Disney World Vacation

That Christmas was a plastic Christmas. I couldn’t let my broken leg ruin our holiday. It had already robbed the girls of their Disney World trip, I wouldn’t let it take this from them too. As the medical bills began to roll in, when I still couldn’t walk, I had my husband push me around the mall in my wheelchair.

Christmas came and went. My cards were maxed out and the medical bills just kept coming, even when the paychecks were late; the bills never were. I wish the hospital’s billing department could give tips to the people who owed me money. Apparently, that scenario never works out in my favor.

Pretty soon, the bills were coming more and more frequently and the stress of owing money that I couldn’t pay and afford groceries at the same time, just became too much. I began to shut down. I stopped spending and started focusing on paying bills down and saving but the bills were already so high. I felt like I couldn’t breathe or move under the weight of it all. Meanwhile, my credit score was moving in the wrong direction.

We were in over our heads with the medical bills. We were drowning with no life preserver in sight. Humiliated and embarrassed, I didn’t want to ask for help. I’m an adult. I just wanted to hold on long enough to be able to fix it but I could never catch up.

Then one day, I had to ask myself, “Why should my children pay because of an unexpected medical emergency? Why should we be punished for a momentary lapse in footwear judgment on a warm autumn day? Why?” I was angry and I was sad. I was frustrated and I felt out of control and I didn’t like any of it.

READ ALSO: What’s a Quinceanera and how to plan yours

I was struggling with the idea that I had school tuitions, ballet, cheer, work trips, family vacations, and quinceaneras coming up that I had to pay for. The fact was not lost on me that college is coming sooner rather than later too. How was I going to afford all of it? Why should my family miss out on these important things to them because of debt that had nothing to do with them. It felt punitive.

Disney, Credit Repair, financial security, financial freedom, quinceanera

Bills kept mounting. I’d pay the bare minimum when I could. I used to feel like I would never finish paying off the medical bills because once I broke my leg that set off a chain of unexpected health issues and more trips to the hospital.

Worrying doesn’t help. You have to make a plan and take action. The first thing I did was call my creditors. I spoke to them, human to human. Explained the situation and they worked with us to help us pay the debt down without starving or damaging our credit score. This wasn’t a magic pill and we’re still working that plan. It was a Band-Aid. It takes time but it was a relief to have that life preserver.

The thing you have to remember is that credit is fluid. Your credit is not set in stone. Every single day is a new day for you to repair or destroy it. It’s your choice. One resource, CreditRepair.com is a leading provider of credit report repair services in the United States. Their credit professionals help educate and empower individuals like me achieve the credit score I want and the lifestyle my family deserves.

CreditRepair.com can help you make good choices because a credit score is more than just a number, it is a way of life. A credit score directly correlates with quality of life, not just because of the things you can afford but more importantly because of peace of mind and security. For me, and most people, debt and compromised credit cause unnecessary stress and worry and then you can’t enjoy anything. It’s a vicious cycle and sometimes it feels like there’s no way out. But there are resources available for just that. We just need to know they are available.

CreditRepair.com professionals believe everyone has a right to: Achieve their dreams. Increase their ability. Enjoy a lifestyle of greater opportunity.

CreditRepair.com’s technology provides its members with a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, mobile apps and credit monitoring. They give you the tools to be the master of your own financial destiny. They focus on your personal story and your determination to develop a healthier relationship with your credit and dedication to the process of changing your lifestyle and spending habits to achieve your financial goals. It’s very personalized.

I’m still working my way out of financial debt and learning better spending habits.

My credit repair goals are:
· Pay everything on time.
· Pay off all of my medical debt.
· To get to a place where I can pay more than just the minimum payments on credit card bills.
· Pay off debt and use my credit cards less.
· Carry low balances versus maxed out cards.
· Establish a regular savings schedule and contribution goal.
· Get any negative payment history removed from my credit report.

If your credit isn’t perfect, that’s ok. You can fix it with a little guidance and help from CreditRepair.com Get started today with your free consultation.
What are you waiting for? You deserve the freedom, joy and peace of mind that having good credit can provide. Your family deserves that version of you.

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Telic Après Ski recovery boots

I’m fairly new to this all year workout stuff. I’ve never been one to work out and walk 5Ks every day just because. I was about as fair-weathered a workout friend as you could find. I loved working out. Cardio was my jam but only when it was convenient. I wasn’t about that walking in 110 degrees with 100% humidity. And I sure as shit wasn’t running in 20-degree weather but here we are. If I’m going to do it, I’d like to be able to do it the best way possible. Enter Telic Après Ski recovery boots, the one thing I never knew, I always needed. Look at me, learning all the new things about myself.

Disclosure: I gifted a pair of Telic Après Ski recovery boots to experience them for myself but all opinions are my own.

I’ve had to do some pretty substantial research and I’ve learned some hard lessons along the way. For instance, I learned that I am allergic to the sun this summer. Yep. This means that I need to wear SPF at all times or a rash guard or I break out in a crazy rash all over my exposed body. I’ve learned that I am stronger than I ever knew. I’ve also learned that fleece-lined running pants are my friend and all fleece-lined pants are not created equal. I also learned that yes, that very expensive North Face jacket and those $200 running shoes are absolutely worth the money. Guess what else I learned?

READ ALSO: Ways to Work Out When You Don’t Have Time to Hit the Gym

I learned about a thing called sports recovery boots. Sounds made up, right? I thought so too but hey, I love cute shoes and I was sold. When I think of after sports shoes, I think of the Adidas soccer slides we all wore back in the day after soccer games. But those are not the sports recovery shoes that I am referring to in this post.

Recently, I was gifted a pair of Telic Après Ski sports recovery boots. When I saw them, I thought they were super cute and what could it hurt to try them out. They came on Saturday night. We’d just spent 7 days walking 20000 steps daily around Walt Disney World. My feet were sore and in desperate need of some relief.

Telic Après Ski recovery boots

Since breaking my leg, most of my day’s end with a limp. I work with preschoolers all day and they like to pull and climb on you so it’s inevitable that my legs are sore each night. Today, I wore my Telic Après Ski recovery boots to work (I told you they were cute) and for the first time in 4 years, I was not limping at the end of the day. It was kind of a big deal for me.

READ ALSO: How I Broke My Leg in the Middle of My Sister’s Wedding

I wish I could say that I was exaggerating and every night I don’t walk like a pirate but it’s all true. Every night since September 2015, I’ve walked like a pirate. It’s my new normal. But not tonight and if I’m being honest, I almost cried because I was so happy. I never thought any shoes, other than a pair of Louboutin’s, could make me weep with joy but these comfortable, beautiful recovery boots did.

Let me tell you about the Après Ski recovery boot. Firstly, it’s not just for after you ski, as the name would imply. It’s for after any sport. If we’re being really honest, it’s pretty great for everyday wear.

Telic Après Ski recovery boots

Telic is known for its award-winning comfort. The Après Ski recovery boot is also:

  • Insulated & Water Resistant
  • Traction Control Out-sole
  • Pillow-Soft Comfort
  • Lightweight Stability
  • Athlete Approved
  • Dr. Recommended

100% all true and I can attest to it because I’ve worn them every day since I got them, in the mornings after working out during drop off but not until today did I wear them for my entire work day and they impressed me. Actually, they blew my mind. I don’t know that I really believed anything could really work, especially with my foot and leg issues from the break but these did.

READ ALSO: Never Ask a Disabled Person if They’ll Return to Normal

You can enjoy Telic’s award-winning comfort year-round. They are designed to be worn by athletes to help relax and rejuvenate after training and competition, this recovery series incorporates Telic’s Novlaon Footstrike Technology and offers a soft supportive comfortable fit and feel for year-round Telic comfort.

What does that mean for you?

It means that this really cute pair of boots are comfortable and really do help you recover. TO be honest, the fact that my leg didn’t hurt after work today is enough to convince me to wear these shoes every day of the year but in addition to that, I got so many compliments on the look of the shoe. If I had my way, I’d gift a pair to every teacher in my school because they are absolutely that cute and comfortable.

If you’re an athlete looking for a fantastic recovery shoe or someone who spends long hours on their feet and needs extreme comfort without sacrificing fashion, I would strongly suggest giving Telic’s Apres Ski recovery boots a try for yourself.  FYI, it also comes in a recovery shoe if boots are not your jam. Those are next on my list.

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ways to work out when you don't have time to hit the gym

Recently, right before my Disney vacation last week, I hit my 200th day of working out. To celebrate, obviously, I went to Disney World. That’s what athletes do to celebrate, right? Unfortunately for me, I had the best vacation ever and ate all the food on the free dining plan and came home, 7 pounds heavier, despite walking 20000 steps every single day. I know most of it is water weight from the change in diet but still, I need to figure out ways to work out when I don’t have time to hit the gym.

Old Debi would be freaking the freak out right about now. New Debi, well, I may or may not be eating my smuggled Biscoff cookies from my flight this past weekend with a hot chai tea. The thing that I’ve learned on this weight loss/ get healthy journey is that it is a journey, not a race. Being 50 pounds lighter than I was at this time last year is a huge accomplishment and I am not going to let vacationing in the real world, derail 6 months of hard work and exercise. I’m going to get over it and learn from it.

READ ALSO: How a Simple Trip to the Doctor Could Have Saved my Life

Hey, I enjoyed my vacation. I was mindful of my carbs (because I’m diabetic and I have to be) but I still ate and drank around the world. I had cocktails with meals and dessert. I don’t feel guilty about it. Guilt is a useless emotion. I feel human about it. I enjoyed the food and the drinks and now, I’ll just get right back to it. The thing is when you are out of your routine, sometimes it is hard to find the time and place to exercise and that’s why this post is so important to me because I feel like this is a universal problem for most people.

In honor of my 200th workout, I’m going to give you some pointers for ways to work out when you don’t have time to hit the gym.

A crucial part of the journey is the scenery, enjoying life on the way. I’ll be honest, working out can be boring. It can be painful and it’s hard to maintain enthusiasm when you are a grown-ass person trying to work, take care of kids, keep a house clean, a dog alive and a marriage functioning.

Sometimes you need to flip the script and do something else. Exercise comes in all shapes, sizes and in the most unexpected places so don’t give up. Set your apple watch to “other” and do you, boo! You’ll be surprised how many calories you burn and steps you take doing “other.”

Ways to Work Out When You Don’t Have Time to Hit the Gym

Walk around the neighborhood

I know this one sounds almost too simple. My mom suggested this to me when I first found out that I had diabetes. Obviously, because I am still a teen when it comes to my mom, I poo pooed her. Like I legit, was like yeah right mom. 50 pounds later, I am woman enough to admit, my mom was right. There I said it. And for as simple (almost childish as it sounds), it is my favorite part of the day. Every morning, I get outside and get some fresh air and see the beauty in the world. It also gives me time to clear my mind and get in tune with my body. It also reminds me every day just how much I love my mama.

BBG or any home video or YouTube workout

I’ve worked out at home for years. When I was in middle school, my bestie’s mom introduced her to Jane Fonda step aerobics and we were fans. Since then, I’ve done lots of home workouts from Zumba to Tae Bo and Turbo Jam. More recently, I’ve been addicted to Beach Body’s CIZE and BBG and there are a plethora of workouts on Youtube. My point is that it’s not so much how you choose to move your body as it is that you choose to move your body.

Window shop with your teen

Remember when I was telling you about the walking around my neighborhood trails and how well that works? Well, walking around the mall with your teen, window shopping burns just as many calories and on top of that, you get bonding time with your teen. Don’t overthink it. And believe me, it is much easier to get your teenager to accompany you to the mall than it is to get up early on a weekend morning to take a nature hike with you. Hell could freeze over waiting for that to be enjoyable.

Play at the park with your preschooler

Have I told you guys that in my day job, I am the pied piper of preschoolers? I am and it has reminded me that it takes a lot of energy to keep little kids entertained. There is a surprising amount of running, jumping, chasing, carrying and picking up that I had forgotten about. If you think I’m not being serious, in about 4 hours at work, I burn about 1500 calories playing with preschoolers and if you’re carrying babies around, just think of how buff your arms will be. Not joking at all. Playing with kids especially at the park where you will most certainly be running, jumping, swinging and air planing and carrying them on your shoulders will burn loads of calories.

Beach walk with your partner

Now, you probably won’t burn a zillion calories walking after dinner on the beach with your partner in the moonlight. But you will burn some and some is better than none. But if there is some playful flirty chasing or maybe a pit stop for love under the moonlight, all of that burns more calories than just sitting on the couch, falling asleep watching tv. Bonus, you get alone time with your special someone under the moonlight and they get to burn some calories too.

These are just a few ways to get exercise when you can’t get to the gym. Also, FYI, walking around Disney in the hot sun all day having the best day ever with your whole family burns about 3000 calories a day. Just one more reason that Walt Disney World is my favorite place ever.  Of course, I went way over my calories while there too (vacation cocktails) so it all balanced out in the end.

The past few months have been life-altering for me. I was diagnosed with diabetes and, in that moment, my life seriously flashed before my eyes and I knew I wasn’t done. I was faced with the question, do I change my entire life and live or do I continue on the path I’m on and die? It sounds simple enough but it was anything but.

READ MORE: How I Cured Myself of Type 2 Diabetes in 3 months

I knew I had to change but it has been hard. I took a solid week to mourn my old life; my old ways. It’s not easy. No more autopilot. I had to put on my big girl panties (and they were getting pretty big) and take responsibility for my actions. It is a choice every single day to keep going, even when I hit plateaus and I’m not getting where I want to be as fast as I hoped. I have to accept that this is s journey not a destination.

What’s your favorite way to work out when you don’t have time to hit the gym?

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Awareness of mental health issues is on the rise and it’s becoming clear that a lot of young people suffer from conditions like anxiety and depression. That’s why it’s so important that parents educate themselves about the symptoms of mental health issues and watch out for them in their children. If you can pick up on the signs early on and help your child to find the support that they need, you can deal with the problem before it gets a lot worse.

But parents don’t just need to think about their children, they need to think about themselves as well. Becoming a parent is an incredibly stressful time and a lot of new parents struggle with postnatal depression. The stress of raising a family also means that a lot of parents are working too hard and neglecting self-care. If you don’t look after yourself, you increase your risk of mental health issues and that makes it harder for you to be an effective parent. If you have been neglecting your own mental health, these are some of the most important ways that you can look after it. 

Don’t Downplay Your Symptoms 

It’s so easy for people to downplay their symptoms because they buy into a lot of the damaging language about mental health. Mental health issues are often marginalized and people talk of how depressed they are when they just mean that they had a stressful day, or they claim to have OCD because they are a neat and tidy person. There are also people out there that will tell you to just get over it and suck it up. Life is hard, they’ll say, that’s just the way it is. The problem with this kind of language is that it assumes that a diagnosed mental health issue is no different to the normal ups and downs that we all have, which isn’t the case at all. It’s fine if you feel stressed and a bit down every so often, but it’s not fine if you feel like that constantly and you never have the energy to do anything. If you notice the symptoms of a mental health issue, don’t downplay them and don’t let others convince you that things are fine when they aren’t. Always seek professional advice if you are not sure. 

Take Days Off 

Being a parent is a full-time job and you need to take some days off from time to time. But a lot of new parents think that asking for help means admitting defeat, and they worry that people will judge them and think that they can’t handle being a parent. But that isn’t the case at all, and it’s perfectly reasonable to take some time off for yourself. When you do get a day to yourself, you should spend it doing something relaxing like a spa day (click the link to learn more about finding the best ones) or engaging in one of your hobbies. You can use the time to catch up on chores if you like, but remember that you’re supposed to be having a day off, and that still works. Asking a family member or friend to watch the kids for a day every now and again will make such a huge difference to your mental health. 

Get Outside 

New parents often end up spending a lot of time inside and they rarely have a chance to get out of the house. But that isn’t good for a few reasons. It can be very isolating and being stuck in the same environment all the time isn’t great for your mental health. It’s not great for your child either because they need to start experiencing the outdoors. Studies show that spending time outside can improve your mental and physical health, so it’s important that you don’t stay shut up indoors all the time. Even a short walk each day will make a big difference. 

Eat Properly 

When your kids get older and you all start eating meals together, it’s easy to keep up with healthy eating. But new parents find that they spend so much time looking after their child that they don’t have time to prepare proper meals for themselves, and that’s not good. If you are eating a lot of unhealthy convenience foods, you lack a lot of important nutrition and you will struggle to find the energy to do things. A bad diet is always bad for your mental health, so it’s important that you eat fresh, healthy food. 

As a new parent, it’s important that you follow these simple tips so you can manage your own mental health effectively.

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