Tuesday, January 31, 2012

Cool Things You Can Do With an Extra $500 a Month

You are surviving on your current income, right? So if you made another $500 every month, this could really be used to buy anything!

If you look around at the hype on the internet about starting a business, all you read about is making an extra $5,000-10,000 in 30 days with very little effort. Now, I am not against that nor do I believe that there aren’t people doing that.

In this post, I would like to get you to think about the possibilities of what you could do in your life by just making an extra $500 a month. I think you will be shocked … and hopefully inspired.

Pay off Debt

It is no secret that debt destroys marriages and relationships. Having debt causes massive stress in the lives of individuals. Also, by having debt, you miss out on business and investment opportunities that could really change your life. The quicker that you get a plan to pay it off the better.

Listen, $500 extra per month thrown on your debt can make a big difference in your life. That is how I got started. And Lord willing, I will be debt free within a few years. I can tell you, those times when we didn't have enough to make ends meet were stressful for me.

Remodel Your House

Have the pictures in 'This Old House' created the desire to make a few changes around the old homestead? Are you simply tired of the way your house looks—both inside and out? Is your kitchen from the 1950’s, but you are still using it in the 2000’s? Or has your family outgrown your house, but you do not want to move?

If you earn an extra $500 a month that can be dedicated solely to your remodel project, you have the potential to get a great return on your investment when you go to sell your house or just provide a nicer atmosphere for your family to enjoy.

What would you remodel with your extra money?

Invest for Retirement

Wouldn’t it be nice to have the cash reserves readily available to take advantage of a good investment when it comes along?

If you had an extra $500 a month to invest in mutual funds, real estate, or the stock market, you could start building a portfolio that would allow you to make more investments, travel, or retire.

A simple investment of $500 per month could earn you interest for number of years. That would be your extra money working for you to help you create the life you only dream about now.

Take a look at many of the financial calculators online and start playing with some numbers. You will be amazed at how just a little investment of $500 can add up to thousands of dollars.

Have you figured out what your number is so you can retire?

Buy Your Dream Car

Is your car about to give up the ghost? Maybe there is a car that you have been wanting for a while but couldn’t afford it on your family budget. An extra $500 a month coming in should help to cover a car payment and insurance.

What type of vehicle would you buy if you had an extra $500 a month coming in each month?

Go on a Family Vacation

I know of one family that goes to Disney world each year. It costs about $5,000 and they do it every year. Imagine all the memories that they have created on those family vacations. That could be you if you have $500 a month extra you could put towards saving for that epic vacation.

Where would you go to create memories?

You can actually change your life by just making an extra $500 per month in extra income. It’s true!

Instead of getting a brand new car on a loan, what could an extra $500 do for you and your future? Do you have some student loans that you’d like to see disappear? Or, maybe you’d like to pay for your next car with cash? How long would it take you to accomplish this?

Once you succeed in paying off your loan or paying cash for your car, guess what? The $500 is still coming in each month! Pretty soon, the necessities will be paid off and you can start investing in your future!

If you'd like to get started on making an extra $500 a month, contact me.

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Friday, January 20, 2012

Favorite Beauty Products - December 2011

It's that time again ... time for December's favorite beauty products outlining the products I used most often for the month ... so here we go

Mally Beauty - Poreless Face Defender

Now this is definitely an interesting product. Mally totes it as a finishing “powder” of sorts that locks makeup into place while diffusing the appearance of pores and fines lines and offering a smooth, matte finish sans that dry, ashy look that setting powder gives skin! You’re supposed to use it after full makeup application but you can also use it prior to makeup as well as a prep of sorts. I get the best results when using it on my completed, made up face. I was a bit worried that it would completely screw up my make up but you simply take the sponge, swipe it over the product, and just pat it into place. It’s not uncomfortable to wear and feels incredibly lightweight more so than powder actually plus the finish doesn’t accentuate my dry areas unlike powder which indeed makes those areas worst.

Sun Shades Lip Balm - Cranberry Tangerine

This is Melaleuca's brand of lip balm. I admit when I ordered this, I was just curious as to the flavor, but as I've been using it every day, I've come to prefer it over all my other lip balms. It definitely keeps lips smooth and hydrated with natural moisturizers and SPF 15 sun protection. I love it so much, I've ordered another couple so I'm never without!!

Affina Moisturing Shampoo & Conditioner

Another of Melaleuca's products I fell in love with. Both the shampoo and conditioner are sulfate free and safe for color-treated hair. I had never tried sulfate free shampoo or conditioner before and I have to say I and my hair love it. Best of all, they don't cost an arm and leg - as a preferred customer, I can get these at under $5 a bottle!!

So there you have it ... my short and sweet December favorites. Until next month ...

January 2012 Topbox

Topbox continues to impress me ... first with their quick shipping, and second with their awesome product samples.

What was in the January 2012 Topbox??

Principessa Beauty - Notte Breeze Dry Shampoo for Darker Shades

I love Principessa products and had been wanting to try this for some time so was very glad to see it in my Topbox. Full size is $24 for 125 g

Shu Uemura - Full Shimmer Illuminating Shampoo

I hadn't heard of this brand before but am looking forward to giving the shampoo a go - especially seeing it's for color treated hair. Full size is $45 for 300 ml

Lilly Pilly - Tea Tree Hand & Body Cream

Another brand I hadn't heard of. Living in Canada our winters can definitely be hard on our skin, so any hand/body lotions are very welcome. Full size is $22 for 150 ml

Lise Watier - Eye Shine Eyeliner (full size)

The sample I received was a nice smoky brown. Looking forward to using this with my Naked 2 palette! Full size is $17

Another great Topbox!! Both Topbox and Glymm continue to provide the best samples of the beauty subscriptions available to us in Canada, and I'm glad I am a subscriber to both.

Unfortunately if you are looking to get your own Topbox, I believe they are sold out until May, however, you can still subscribe and be put on the waiting list.

January 2012 Glymm Box

My January Glymm box arrived *does a little happy dance*

Included in this month's box:

Kaia Naturals - Juicy Bamboo Facial Cleansing Cloths

30 cloths are $17.99

Vasanti Cosmetics - BrightenUp Enzymatic Face Rejuvenator

120 ml is $34.00

Anastasia Beverly Hills - Clear Brow Gel

0.28 oz is $21.00

Burts Bees - Nourishing Milk & Honey Body Lotion

170 g is $12.99

Cargo - Eye Pencil

2 g is $16.00

I have to say I was very happy with the samples I received this month and I'm actually very excited to try all the products in this month's box. The only thing I was a little disappointed about was there were no jelly beans included. I'm not sure if it was just my box that was missed, or they weren't included in all boxes.

Also, as I had ordered a subscription for a friend as a Christmas gift, included in my box was a free RMS lipshine in the color Bloom.  I didn't even know about this promotion when I ordered the gift, so was excited to see it in my box.

2012 is definitely off to a great start and Glymm continues to be one of the best beauty subscription services out there. Keep up the good work!!

If you are interested in ordering a Glymm Beauty Box for yourself or someone else, you can do so by using this link.

Monday, January 16, 2012

Luxe Box Refund Update

Back in December, I mentioned I contacted Loose Button to cancel my yearly subscription, which I just renewed in October, and was told that they would be happy to cancel, however because I paid for the full year I would not be receiving a refund for the remaining 10 months. Alternatively I could transfer the subscription to someone else.

After a few emails back and forth with Loose Button about this, the last email I received from them on December 23 was that "our Customer Service Manager will be in touch with you next week to see if anything can be done." My reply to them was I would be more than happy to wait to hear from their Customer Service Manager, but I would also be forwarding a copy of my email to my legal counsel.

Well surprise surprise ... I never heard anything back from their "Customer Service Manager". On January 5th, I received the usual email from Loose Button indicating that they were preparing to send my January Luxe Box and to confirm my shipping address. I replied to that email indicating I did not want to receive a January box, but wanted my refund.

On January 14th, I received another email from Loose Button asking me to "reserve a product" as part of their First in Line program. I again replied to the email indicating I did not want to receive a January box and wanted a refund.

It is now January 16th ... I logged on to my laptop to check my emails as I do every day and was very surprised to see I had a notification from PayPal that I had received $100.08 back from Loose Button. WHOA!

... I'm not going to even try to figure out how they arrived at that number, I'm just elated that I received a refund ... finally!!! So for those gals wanting to cancel, don't give up - just keep at 'em and hopefully you too can get your refunds!!