That was how our living room looks 2 months ago. We had to find room for the munchkin to put his bassinet – so we had to move everything around. Especially Hub’s fish tanks – he owns three fish tanks – so we had to move all his tanks in a corner. Gotta give up some room for your son right? hahaha!
All cleared out and ready for the bassinet!
I’ve been hearing a lot about how doctors make a lot of medical mistakes from miscommunication and it can be serious at times too. I’ve heard about this topic from before too but not as serious. Seems like it’s more serious now. Anyways – I did some research about the new system they created called “domixity” – it is a system for doctors to communicate better and quicker with each other. This system allows physician to search for doctors easier too. For example: you key in the three keywords and a doctors name will show up in your location. I tried out the system myself and ajit sawhney MD came up in my location. Pretty awesome system eh?
This is the bassinet we got for our munchkin. We got it very last minute because I wasn’t planning to leave him downstairs – he has a nice crib upstairs. But than I realized – I really don’t want to be walking up and down every 3-4 hours in the beginning. So it was a good idea getting this play pan/ bassinet for him. I like how this transforms into bassinet and play pan – no need to get another play pan in the future when he knows how to walk. I can just trap him in the play pan – I’m such an evil mom eh? I don’t know if I will have that much energy running around chasing this munchkin. He’s so active moving his foot and arm around these days – wait till he learns how to walk and crawl! Boy – I’ll be BUSY!
I think I set this mat up way too early for the munchkin – he’s only been lifting his head but can’t really play with the toys yet. Can’t really hold things but can push things away from him. He’s growing up way too quick! Soon he’s going to know how to crawl around and make more noises. That is when my life is over because I’ll have to follow him everywhere!
This was how my office space looked like two months ago – I always change things around because I get tired of looking at it for a long period of time. I enjoy shopping for office products a lot – I think more than an usual person. I just love to collect and use them. This month I want to change things up again but I’m not sure how else I should put things. I have a cradle to put on my desk when munchkin cries now – so he takes up a lot of my desk space. I gotta think about how I can re-organize my desk now!
Munchkin received this card from his Uncle Nelson when he came for a visit. Left it on his diaper table and isn’t it cute? When this munchkin grows up – he’s going to have a lot of aunties and uncles to play with him. That means – Mama might get free time too when these uncles and aunties take him out – I get to relax! Wahahahahaha!!
Amara – Don’t cave in to the credit card
Credit cards are convenient financial tools, but only if you know how to use them properly. What is meant to be a faster and easier way to manage your bills can quickly turn into a financial burden, leaving you with a mound of debt plus all of the interest that you owe. How can you build a great monetary portfolio without caving in to your credit cards? Here are a few tips to keep you on track.
1. Keep it simple. If you’ve got a credit card for every compartment in your purse, this could be your first mistake. You should have no more than two credit cards at once, with one of those cards being a low-interest card and the other being a card that offers rewards or points. Your low-interest card can be useful for unforeseen expenses such as home repairs, auto maintenance, or medical emergencies. However, you will fare better financially if you don’t carry a balance from month to month on your rewards card; this one should be used for everyday purchases that you have budgeted for.
2. Make yourself attractive to creditors. If you are applying for a credit card with a low-interest rate, you’ll look like a better candidate if you already have a low debt to income ratio. This means that you’ll either have to earn more money or reduce your current credit card balances as much as possible. You can also find information about how to optimise your financial profile by browsing the information on Canadian credit cards with Ratesupermarket.ca.
3. Do some financial shuffling. While you are getting rid of your cards, you will want to make sure that you keep the ones with the lowest interest rates. Transferring your balances from other cards onto one that charge you less to borrow money can save you hundreds of pounds in the long run. Just make sure that you read the fine print on those credit card contracts, because a low interest rate is usually only effective for a short period of time.
4. Use your card to track your purchases. As much anxiety as debt can bring, this is not the only function of your credit cards. In fact, you probably use your card even when you do have cash just to avoid carrying large amounts of cash. You can use your credit card statement to get an accurate picture of your spending habits, as well. If you’re one of those consumers who continually underestimates how much you spend on recreational activities reading your billing statement can give you a reality check.
5. Tailor your budget to your needs. Most people take money from one of two places when they make purchases — from their bank account or from their credit line. If you are trying to save money for a big purchase or pay down your credit card balance, you can use your credit card habits as a method of saving. For example, if you are a heavy transactor — meaning that you use your card for small purchases like food or petrol and then pay off your balance as soon as it is due — you can save money by leaving your credit card at home several days a week. And if you are a revolver — that is, a person who carries a balance from month to month — you can use the same tactic to pay down your credit card debt.
Most of the knowledge that it takes to manage your credit cards can come from a sound financial education. If you know better, you can do better, so continue to read all about credit and debt to make the right financial decisions.
