Tuesday, 23 December 2014

THIS WEEK: The Gift of Giving

Gifts for people who don't NEED anything...in particular

Those people are the complicated ones to find gifts for - they
tend to have most things and things they don't have...are simply
not within your budget. To make life a tad bit easier, I just give
them tough tuff - love. Gifting becomes easier when you
consider buying things that you would love them to have.

Here are some tips on what to buy:


Bake a Christmas cake;
Buy sentimental things; if you remember what they like; tickets to
an event, collection of some of their video footage or photos.


Framed front page newspaper story that was published on the date
they were born. Hopefully, it's an interesting story!

A mug with their day of birth poem...'Friday's child loving and giving.'


As tradition and a silly challenge, buy anything with the person's name
on it. There is a rule, the item must not be pre-ordered or designed for
the person or it will spoil the nature of being random. Last year, I found
a dish cloth with his full name. It was a giggle.


Buy a quirky gadget or game. There are tons of science sets and magic sets.
Some stores sell ear warmers that are also headphones or scarfs that you
can heat and stay warm for hours.

Chocolate with a twist, literally...the popular game `Twister' but with chocolate
incorporated in the game or chocolate Scrabble...Mmmm

Hope this helps

Coco & Curls

This Week: Eat, Drink and Sleep

GET into THE Christmas SPIRIT!

Choco - Log

See baking details

Winter Soother

Tomato Soup

Sunday, 20 April 2014


LIFE is a reflection of your perception.

Last week I made a life changing decision to change my perception...
after working for a top 10 FTSE 100 company for 6 years and 7 months
(to be precise) , I - was - made - redundant.

One morning, I woke up and said "I will use my skills used for the past
6 years to establish my own company" Fearlessly, I moved quickly
to find a professional name and registered at the Companies House.
I put everything in place and have accepted my first client.

I turned down good job offers and decided to start my own company -
I mean a real company with the nuts and bolts, company account and
all of that stuff.

It feels beyond great , it's sooo sweet!  I am working for myself and
building on my skills...I love it already.

I just changed my perception of my life, took steps in the direction
where I wanted to be and my life immediately changed and reflected
my current perception of my life.

I want to share with you ...

Saturday, 15 February 2014


Yes I'm my new bank manager! I have become strict and more in control
of my spending habits because I really want to see my hard earned cash

I've needed a little encouragement so I have stuck a few notes around the
house to remind me how to maintain a sustainable flow of cash.

Here are 4 tips that I have taken on board.

1 Don't spend today's money, today's money is for the future

This means that I will save a pool of money which may be
the 'rainy day' funds. If I want or need something big, I will use
money that I have already saved up rather than current money
being 'today's money'. It's not a good idea to spend todays money
as you may not have any for something important tomorrow.

2 Not just one income

Have other sources of income it could be buying and selling a
popular product on line to getting rental income for your parking

3 Take the budget challenge

Plan to budget for a specific period like a 6 months or a year
to help with your saving plan. Start with the grocery shopping
and stick to a list so you don't go off on a tangent.

  • Buy in the sale, always check whether you can buy an item
    cheaper elsewhere.
  • Buy what you need - if you're broke! Buy what you'll use if you
    can afford it.
4 PAY off bad debts

This is the obvious one that should be done ASAP . Debts should be
avoided like the plague. Our credit report will be crucial to getting
on in life. You've been warned! I've heard of people not being offered
jobs because they had bad credit status.  Some companies offer loans
and perks with employment but based on a good credit status.

Hope you found my tips helpful...may be print this off and stick
this on your fridge door.

Friday, 31 January 2014


Being a landlord is like being a director, housing officer and
the estate agent in one. Here are some tips to make it easier.

You may decide not to hire a company to manage your rental
property. You may want to manage your property and ensure
that all the rental income go straight into your pocket.


Use the internet - it's your best friend when you need to
advertise and reach your potential tenants. Try Gumtree
and Room for travellers (roomsft), to help showcase your
property. Consider using clear pictures, detailed adjective
so instead of saying 'nice' say 'clean' and state key terms
and conditions such as cancellations policy and deal breaker


Know the rental value and how much you want.
Know who you want to rent your property to, couples,
over 18 year olds, men only or families only.
Standards should really be stated upfront in a
lease agreement usually a shorthold agreement or
guardian agreement.

It would be silly to do business without a budget.
You need to widen your profit margin by having a
great team to help with the repairs and electric and
gas problems. Also, buy inexpensive things if you
provide more than just a property;

Second hand shops - excellent for white goods,
tables and chairs.

Supermarket special deals - great for bed linen, pots
and cutlery.

Pound store - fantastic for those glasses, bowls, plates,
lamps, towels and even for your complimentary tea and

Try to arrange a group viewing, this is helps to increase an
interest amongst perspective tenants. Also, try to accept
bookings when convenient for you - don't forget there may
be time wasters who don't stick to their viewing appointments.

Hope this helps! And remember you're the boss...

Monday, 23 December 2013


Hey my blog family

preparing gifts for a baby shower and rushing through
my Christmas shopping. IF you're doing your last
minute shop, I've shared some ideas below.

Baby showers gifts

Before being wrapped in pretty wrapping and a large bow.


Christmas shopping
Moving onto the Christmas shopping...taking advantage of the black Friday deals and special offers can help you to keep within a reasonable budget. However your pockets may be deeper and you may splash out!
High end gifts
Ipad or even a baby Ipad with potty dock and baby friendly
cases- yes that's right apple has very young... members .
Lux scarf by Masserano Paolo Cashmere, £495
Woven Fringed Cashmere Throw in Grey and Beige

A nice dinner for two at the Shard, London. £119
John Lewis

Buy Red Letter Days Shard and Tea for 2 Online at johnlewis.com

Customised shoes by a designer who will help you pick your one pair.
£1,000, giftlibrary.com 

Sunday, 8 September 2013



These are core for individuals regardless of age or gender.
It's useful to think about ways to help us to not waste time and
think ahead.  Here is a list of 10 different ways to not waste
time or your life. Hope this helps.

1. Believe
Belief is the most powerful, positive life - changer in the universe.
Believe that you are a valued person with something to contribute
and even achieve and chances are you will!

2. Organise
Organising your time will help you to not waste time.
This involves an element of planning and thinking ahead. Perhaps
a no brainer.

3. Setting goals
Always set short and long term goals. This will help to  keep you
moving. Life is too short to be stagnant.

4. Don't just do it
Don't just do things that don't SERVE you, GROW you or make
you HAPPY.

5. Invest
Focus on investing in people like your loved ones rather than things.

6.  Know what matters
Knowing what you should value puts everything else into

7.  Don't worry about the small stuff
It's not worth worrying about things that don't matter or have little
eternal impact on your life.

8. Explore, discover or create your life
Life is not simply given to us, it's put in our reach so it's up to us to
reach for it. If you want the 'good life' or something specific; you
have a brain and feet that can steer you in the direction of your

9. Correct your errors
Be mindful of repeating your errors, as a pattern of errors wastes
time and becomes habitual waste rather than productive in
your life.

10. Don't be indecisive
Try to map your thoughts and make decisions based on solid
reasoning without back peddling or 'blowing hot and cold'.