Taking Steps To Improve Your Credit Rating

When it comes to finances there is joy in actually paying off a balance knowing that it is at zero , and while I am puzzled that they are sending me a statement saying I owe £0.00 I am over joyed. This time I am not going to go and start my balance again with this certain catalogue company. I am slowly improving my finances and in doing so improve my credit rating which I am has taken a bashing over the last few years. It is important to keep things under control in order to maintain a good credit rating and I am talking about this in collaboration with TSB

In fact as I am starting to take more controls of my finances with budgeting, I am thinking of of bigger projects within my household such as a new kitchen next year.

Why is it important a credit rating so important ?

Our credit rating affects our lives not just when it comes when lenders look at this when we ask for  to mortgages, loans and credit cards. Also your credit raring can affect mobile phone contracts, car insurance banks accounts and much more. Life however isn't smooth but there are steps we can taken to help iron the situation.

Practical steps I am taking to get credit fit as it is important ! 


1. Prioritising my debts I am getting out those bank statements  and bills and listing my debts from the highest to the lowest .

2. Don't be afraid to talk to your creditors ( it really doesn't need to be that scary ) I did and feel so much better for it.


3. Sometimes it can be good to take a loan and consolidate your debts  ( this should always be done with full financial advice as your don't want to be in a situation where you can't afford to pay it back)

4.  Get help  You could try a debt remedy tool which offers great advice and reassurance that you aren't alone in your situation. You could also look at the Government's  Money Advice Service

5. Set a deadline , there is nothing like a deadline to keep you on track . Once you have set a deadline then you know how long it will take you to clear that debt. One thing is if it seems like a long time , don't get down hearted as the way I see it and any creditors will you likely see you  are taking steps to take control of your finances.




Other steps to improve your credit rating.

 Make sure you get on the electoral role ( even if you don't want to vote)

 Make sure the facts about you are correct.

 Make sure that anyone associated with your address such as an ex partner or spouse is not linked to you , then write to the credit reference agencies and ask for a notice of disassocaition.

 Get rid of any used credit card , in fact I have just shredded one that had a nasty high APR it was one I no longer use.

  Pay your bills on time  , I ensure this by using direct debits it displays to the lenders that I have good money management skills.

 Having had previous issues with credit cards , I now only use them for small amount and make sure I

pay them off in full in each month. For me I make sure I never go over £50.



I am looking forward to my summer holiday this year without having to worry about my credit situation.

Silent On Sunday

7 Things You didn't know About Barbie

7 Surprising Things You Didn't Know About Barbie

You will find a Barbie doll (or ten), plus all the accessories that come with her, in most kid’s toy boxes. However, for some she is seen as more than a toy and there has been much controversy over the years and many people questioning whether she is a good role model to young girls.

Over the years the typical blond haired Barbie doll has evolved to incorporate numerous types of people and recently an alternative version of the doll has been created called Lamilly, who comes with cellulite, stretch marks, acne and even tattoos.

So, aside from being a much loved kids toy for generations, how much do you actually know about Barbie? Here are seven facts that may surprise you.

1. Some women have taken Barbie as a role model to the extreme as they transform to look like her, including one woman who has been branded the ‘Human Barbie’!  

2. Barbie is just a nickname, her full name is Barbara Millicant Robert, she comes from fictional Willows, Wisconsin and was born on 9^th March 1959.

3. Since her introduction in 1959 Barbie has added more than 150 careers to her CV and each doll comes with the clothing and accessories to portray their career.  From the 50s to 60s these included a fashion model, nurse, tennis player and teacher.

She later became an Olympic athlete, Miss America, rock star, astronaut, oh and a doctor, just to name a few. One of her most recent careers is entrepreneur, complete with tablet and smart phone.

4. Barbie broke through the glass ceiling in 1985 as a business executive, travelled into space in 1965 – four years before man walked on the moon and has run for president six times since 1992 but never won an election.

5. Barbie’s first pet was a horse named Dancer, since then she has had more than 50 pets including cats, dogs, horses, a panda, a zebra, a chimpanzee and even a lion cub!   

6. The 1992 Totally Hair Barbie, who featured hair from her head all the way down to her toes, was the best selling Barbie ever.  Meanwhile the Holiday Barbie Doll continues to be the number one selling Barbie doll year after year.

7. There have been several controversial versions of Barbie across the years, many of which didn’t make it to the shelves or were pulled not long after they did.

These include an Oreo Barbie that cause uproar due to its racial connotations and a Barbie whose main accessory was dog poo and a pooper-scooper, that had to later be recalled due to loose magnets being a choking hazard


Barbie still remains as popular ever including Barbie being on a huge range of  popular clothing click here to see the amazing range ! For me I had Barbie as the step mother to my other dolls and my Nan actually worked for the rival company but I still had fun with the one Barbie ,that I actually did have though.


Discosure I have been compensated for this content. 

Travelling To The End Of Your Nose And Back

Curses double curses.

Please put me on the blogger naughty step without my devices and access to social media.


I went out without checking my camera battery * probably left it on to be fair . I wanted to capture the poppy field that is behind me again , you will have no doubt seen the shots on my instrageam or blog previous. I like travelling to the end of my nose and back because it is an adventure that never ends , you simply put one foot in front of another and just go, previous travelling to the end of my nose adventures have included such sights as these :

I love the ability to just get up and go  and if only I had a bicycle with a basket I would cycle to the end of my nose and back , here is hoping I get a bicycle soon then I can tell you all about it! Another direction and I skip into sights like this it rally is heaven within a twitch and a wiggle of my nose.

Sometimes my nose and I stop and stare and turn and look back from where we have come from as the view back is just as magical.

Sometimes my nose and I just like the world very much so in black and white that calm and settling moment where it is just me and my minds eye.


Travelling always no matter what the light is.

Nobody knows  nose the world quite like I do.

Watches2U Ideal Place to Buy A Watch

Usually I like go to a jewellery shop when I am buying a watch , I never seem to buy a watch for myself as I just the same watch I got form Disney years and years ago . My watch is my old familiar I feel at home with it is part of who I am scratches and all, my husband on the other hand is like the Imelda Marcos but his passion is watches . I have lost track of all the watches he owns , but the one type of watch that he didn't own was a pocket watch , you'd be forgiven for thinking that this type of watch was a dinosaur relegated to the past but you would be mistaken.


There is always time for a little bit of luxury and elegance in our lives when the occasion warrants and Father's day a few weeks ago was one such blatantly obvious occasion. I was most fortunate to win a voucher for Watches2U through a competition that was in the Daily Mirror, I treat others before I treat myself this is just my nature. I had friends telling me that I should have treated myself but as I was happy with my watch that has served me all these years then I saw little point in using it on myself.

To treat someone else to a gift gives me immense pleasure especially when it is such a timeless piece as a pocket watch that can be passed on. The pocket watch I picked was a ROTARY MECHANICAL POCKET WATCH .  The watched turned up in a few days , I didn't bother paying extra for super speedy service the length of wait was only a few days which in my opinion was worth saving a few pounds for. All the watches at Watches2U are discounted in some way or the other and the watch I choose had around 20 % off the retail price.

Also I went through Quidco to get back cashback on my purchase all in all Father's day cost me £1.70 I won't tell ... you won't will you now.


Disclosure
I would recommend Watches2U ~ I haven't be told to write this I just though I would relay my thoughts on a service I had used even though I had won a voucher.