Tuesday, 20 October 2020

The Importance of Skincare & Listening To My Own Advice

Ironically, I have woken up this morning with a massive spot on my chin, so probably not the best day to talk about how important it is to look after your skin. That said, as someone who makes barely any effort with looking after my skin, I should probably heed my own advice with this one.

Skin Type

Before you can look into what skincare products you'd benefit from, you'll need to consider what type of skin you have. Faces are complicated things and many of us have varying skin types, which can make it hard to know what products to use for the best. Sometimes it be a matter of trial and error before you find something perfect. However, keep up with trying because the benefits are great.

I have in the past taken great care of my skin and I definitely can tell the difference with how it looks and feels compare to times when I have let my routine go a bit. If you are looking to do something more with your skin, you’ll be happy to know that there is something for everyone – whatever time and budget you have to spend on products. Do some research, have a browse of what is out there and go from there.




Skin Care Options

The good news is that there are loads of options. From Body Shop and the high street to CBD for skincare. To many people, CBD skincare options are something really new and therefore a bit daunting. However, I have read up a bit on The CBD Guide and it doesn't look nearly as scary as you might imagine. We all know that CBD is good for helping with all sorts of health issues and ailments, so it makes sense that it is well placed to help with something as complicated as our skin. 

When you look at the benefits of a good skincare routine, there are loads! With CBD skincare you get to benefit from anti-ageing elements as well as reduce the efforts of Psoriasis and Eczema. It is also said to help with acne and dry skin – something I could really use at the moment! Lots of people have reported all sorts of benefits, so it is worth considering how it could help you.

Looking After Your Skin

Although there are plenty of products out there that can help with skin, sometimes we need to do a little more too. I notice that my face feels fresher and less tight when I have made an effort to ensure I drink plenty of water throughout the day. A good nights sleep and ensuring I remove my makeup each night definitely helps too!

As with anything, these are all personal choices – there are no right and wrongs when it comes to deciding how much of a skincare routine you want to undertake. For me personally, when life is busy cleaning my face each day with Micellar water is about as good as it gets, and that is okay! Just feel confident in who you are, which is the most important thing.

If you have any skincare tips, I would love you to share them below, I'd love to read them!


Debz 

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Monday, 12 October 2020

The A-Z of Qualifying for A Reverse Mortgage

There is a self-awakening that comes when people are close to the retirement age, especially for those that are 62 years of age and older and do not have enough financial resources to cater to their post-retirement needs. One way to fix this issue conveniently is to apply for a reverse mortgage loan. This type of mortgage helps you cater to several expenses while maintaining ownership of your property. You can go on vacations, purchase new furniture and home appliances, or even buy a new car, without breaking the bank.

What Type of Reverse Mortgage Can I Access?

Before you reach out to a lender, it is vital to know the types of reverse mortgages and how they meet your needs. Reverse home loans are of two types, namely:

·         Private single-purpose reverse loans

·         Home equity conversion mortgages (HECMs)

Private reverse loans cater to property taxes, home developments, and repairs. Homeowners with small or mid-size incomes can access this type of mortgage. On the other hand, the U.S. Department of Housing and Urban Development (HUD) provides HECMs. This loan comes with insurance and rules.

Receiving Funds from Your Home Equity

According to federal law, there is a limit to what you can borrow. In actuality, you can only borrow up to 60% of your home equity, as some part goes toward paying off your existing mortgage, closing cost, and other related bills. Another factor worth noting is that you can receive specific funds based on your age. Your lender will use a calculator to evaluate the amount.

How You Can Benefit from a Reverse Mortgage

Unlike the regular mortgage where you make monthly payments on your home’s principal, a reverse mortgage puts money in your pocket based on your home’s equity. Interestingly, you do not have to worry about meeting deadlines, provided you can pay property taxes, home insurance, and home maintenance costs. You have to be a permanent resident at your primary home; this gives you the freedom to live in your apartment for as long as you want without being disturbed.

On What Grounds Can I Lose My Home?

Although, with a reverse mortgage, it is hard for you to lose ownership of your home because of the opportunities it provides. However, if you do not meet specific conditions, then there are chances that you will lose your home.

·         If you stay outside your primary residence for six months or longer due to non-medical reasons

·         If your home is not your primary residence anymore

·         If you spend more than 12 consecutive months away from home

·         If you do not maintain your home based on FHA requirements

·         If you are no more and there is no trustee on the reverse mortgage

·         If you cannot keep up with the cost of maintenance, property tax, and home insurance

A reverse mortgage provides you with the opportunity to receive payments in three different ways. For one, you can set it up as a line of credit, where you can borrow money when needed. However, this option comes with limits. You can also receive it as a lump sum – an ideal choice for individuals with multiple emergencies. Finally, you can receive your payments as monthly paychecks; this is necessary to cater to monthly expenses. Having a reverse mortgage gives you the financial freedom you need for a post-retirement lifestyle.

 *Collaborative Post

Tuesday, 29 September 2020

Choosing Jewellery For A Special Occasion

Although it is not often I go out-out these days, when I do - I am a big fan of accessories. I don't tend to wear high heel shoes so I find that wearing bold jewellery helps me feel dressed up. I like to be comfortable, even when attending special occasions and I find jewellery much easier to wear than shoes that are going to leave my feet aching after a couple of hours.

Choosing Jewellery

The great thing about accessorising with jewellery is that there is something for everyone. Whatever your style, taste and budget you'll be able to find something that suits exactly what you're looking for. Necklaces, earrings, finger rings and even brooches can help to dress up an outfit, making you feel dressed for any special occasion.  Places like Carus Jewellery have loads of choices, so you'll be able to find the perfect bit of sparkle for any occasion.

Something Different

If you're looking for something a little different, or perhaps a stunning piece of jewellery to give to someone as a gift then vintage or antique jewellery can be a perfect choice. 



There are some really exquisite jewellery pieces from the past, especially 1940s and even later - when they really appreciated stunning jewellery and wanted stand out pieces. For example, this 1940s gold oval picture locket which is bound to be full of memories. You can replace with your own photo if you wish, but what a lovely piece of history to wear to any occasion.

What To Wear

The choice of what to wear is very much a personal decision, as well as dependent on the occasion you're attending and how dressed up you wish to be. I find that if I want to feel really dressed up, I tend to wear a necklace that is bold and sparkly - just a personal preference for myself.



I like the fact that something like this will stand out, and people are likely to ask me where it is from and where I got it. I tend to go for bold choices like this with outfits - lots of colour is definitely a personal preference for me. That said, if you're looking for something a bit more understated then you will find plenty of jewellery choices that match this also.


Investing in Jewellery

If you're buying vintage and antique pieces then this is often something that you'll want to see as an investment. These are pieces of costume jewellery that you can wear once and then never think about again. Of course, there are different places on the high street that you can find fun, cost-effective pieces of jewellery for your standard night out. These pieces are definitely for those extra special occasions, or perhaps as a gift for someone you love.

Whatever you wear, if you're attending a special occasion then be safe, have fun and don't worry about too much else! You are deserving of a nice time so go out and enjoy it  - I'd love to hear all about it!

Debz x

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4 Tips to Make a Wedding Reflect You

 close up photography of silver-colored wedding rings on pink gerbera daisy flower

https://unsplash.com/photos/8WODX7nO2JE


Your wedding day is one that everyone looks forward to. Your parents get the chance to see their child enjoy one of the most significant occasions of their life, and your friends will revel in the opportunity to party all night long. However, while you want everybody to have a good time, you also want a wedding that reflects you and your partner to ensure it’s a day to remember.


Encourage Candid Shots 


If you’re someone who hates the idea of posing for a photo and never feel you’re looking at the camera right or believe your smile is just too false, encouraging candid shots can add a natural look to your wedding snaps. 


When you come to plan your wedding, you may fret and worry over which photographer to choose, but while a professional is useful, you can also ask guests to get involved as well. Leave a disposal camera on each table, and you’ll get something more authentic. Of course, you can’t solely rely on guests, so a professional photographer is always vital. 


Create a Signature Cocktail 


Artisanal cocktails and drinks are big in the wedding scene right now, and creating a signature cocktail from your and your partner to serve to your guests is a fantastic way to include some unique flavours. 


You can go for your favourite couples’ cocktail, or you can channel your inner bartender and create something no one has ever had before. This comes with its risks, though, so make sure you don’t pack it with too much alcohol that no one makes it to the dancefloor. 


Photos Through the Years 


What better way to celebrate your journey than by placing photographs throughout the years around the venue? To be honest, there isn’t, and while you may have spent some of your life apart, you can look forward to the next journey you will go on together. 


From cute toddler pictures to those awkward teenage years you’d tried so hard to forget about, it’s a celebration of how you and your partner have matured and managed to find happiness at the end of it. 


Pick Your Playlist  


The wedding playlist is one of the most frustrating things to work out. Do you go for a band and let them play whatever they like? Do you hire a professional wedding DJ who could clear the dancefloor with tunes that have not been popular for twenty years? 


One solution is to pick your own playlist. This gives you the chance to include all the songs you want to hear as well as pepper them with popular songs that will get people moving. One of the biggest things at a wedding is the atmosphere, and you can’t have an atmosphere without a pumping dancefloor. 


Your Day 


At the end of it all, it’s your day, and you want it to reflect you, your partner, and your relationship as much as possible. The beauty of a wedding is that you can do it however you like, and if people don’t like it, that’s on them. You are the only one that gets a say. 


Thursday, 17 September 2020

Dating In A Pandemic World

 

Pexels - CC0 License


If you enjoy heading out on the dating scene looking for love, you may have found that the previous six months have made your meals out and cinema dates a little tricky. The global pandemic has had a massively detrimental effect on people’s lives across the world. While people are concerned about their health and their jobs, others are concerned about their feelings of isolation and loneliness. For many, dating is a great way to meet new people, socialise, and get out of the house. This has been halted during the Covid-19 crisis. However, as we adjust to a new normal, the wonderful world of dating has also adapted. Take a look at how you can enjoy dating in a pandemic world.


Go Virtual


While you may have ventured into the realm of online dating before, the chances are you use the messenger service attached to a dating app for a short time before meeting up to see if there is any chemistry. As this isn’t allowed at the moment, the virtual world is becoming the norm to get to know people. Many people are enjoying virtual candlelit dinners to while away the hours. Arrange a date and cook up the same meal. Light your candle, whip on your webcam, and chat with the guy you have a connection with. It is different but fun as everyone is in the same boat. A second virtual date could be in store if you get along. Virtual Netflix movie dates and cook-alongs are brilliant ways to have fun, chat, and find out what makes your date tick.


Moving Forward 


If you meet someone online and you are getting along well, but you want to take your relationship one step further, you will inevitably have to meet in person. You can do this in a socially distanced way. Consider meeting up outdoors in a public place, like a park, and have a socially distanced picnic. It’s crucial that you can look into your date’s eyes and chat face to face. If you want to have that all-important exclusivity conversation, you need to meet-up. 


Once you have gone through a period of self-isolating, you can connect your bubbles together and take the step of moving in together. There have been many stories of people heading to a site like Whiteflash.com/engagement-rings/ and proposing during lockdowns. Whirlwind romances are only natural as people reconsider their priorities and deem life as being too short not to take a chance on love.


Anxieties


If you live alone, it’s only natural that your anxieties may be heightened because your social calendar may now be looking bare. Even if you aren’t in the mood to look for love, you can still head online and communicate with like-minded individuals. Living alone can be fulfilling and empowering, but when you are told that you cannot socialize, it can seem like a prison sentence. Head onto social media, reconnect with friends, and enjoy regular weekly online meet-ups via a site like zoom.us.


You don’t have to be alone during these pandemic days. If you are still a romantic at heart and you are still searching for your soulmate, follow this guide and enjoy online dating.


*Collaborative Post


Wednesday, 16 September 2020

Planning a Good Christmas This Year? It Might Be A Close Shave

Is it too early to mention Christmas? I know it barely seems like 2020 has begun with lockdown restrictions and life seems far from normal. However, like it or not we're 100 days until Father Christmas visits us so if you're someone that likes to be organised, now might be the time to start.

Buying Gifts

I don't know about you, but I think that men are by far the hardest to buy for. I know that is a bit stereotypical and there are lots of exceptions to that rule, but for me the males in my life are almost impossible to buy for. My dad generally tells me what he wants these days which does make life easier - at least he gets something he likes. 

Unless like his birthday he sends me the link to the wrong thing and gets something that he doesn't like at all. My boyfriend and I try to do days out or similar rather than gifts, we live together and generally buy the things we like through the year (not extravagant but you know what I mean) so gift giving can be tough.

Buying Something Great  - and useful!

That said, as 2020 has been such a strange time I have been looking at something I might buy him as a treat. I was introduced to The Invisible Edge shaving kits and I think one of these might do the job. 


The Invisible Edge Starter Kit
The Invisible Edge Starter Kit
Since living together, I think he's secretly enjoyed the different products in the bathroom, so maybe something nice of his own would be a good idea. That said, I know nothing about shaving a face so I might need to do some research or secret questioning to find out exactly what would suit him best.

What I like about their website is that they have a number of different options, so I can be sure there will be something to suit. And I benefit from a freshly shaved boyfriend, it's a win-win!

If you're looking for a gift for a man in your life and you feel that a shaving kit might well be what you need then click here to visit their website and have a browse through what they have to offer.

If you have any ideas for gifts to buy loved ones, I would love to hear that! I really love buying practical but unusual presents so anything that ticks those boxes would be perfect.

Thanks,

Debz x

*Collaborative Post 

Thursday, 10 September 2020

How To Be Social Whilst Social Distancing


Although I live a much quieter life these days, I used to love being sociable. It used to be me that would book a table somewhere and encourage a group of my friends out to have cocktails and dance the night away. I'm now getting older and like a quieter life but I can see that nights out like these can be tricky with the new (and ever-changing) social distancing measures that are in place.


For example, if you want to join an Aberdeen dating site, how do you meet up with other singletons and remain socially distances? I'm pleased to say that online dating has been successful for me and I am now happily 'settled' - but on our first date we definitely held hands and we couldn't do that currently, so I can see that things might be tough.

Keep Things Online

One option is to keep things online until we go back to normal a bit. I can imagine that this would take the pressure off a bit, because if you can’t meet up then you can simply spend the time getting to know one another. Video calling has been super popular during lockdown and there is no reason why you can’t take advantage of this and set up some virtual dates. There are loads of ideas for games you can play online, ice-breaker questions etc. so you don’t have to let not being able to see each other in person be a barrier for getting to know one another.



Take Things Outside
If you decide that you do like someone, the chances are you are going to want to meet in the flesh and see if this carries through to real life, it just makes sense! If you do want to do this, I would suggest an outdoor date. We’re getting a little cold for this in the evenings, but perhaps wrap up and brave a winter walk? On a warm day you could go for a picnic or see what local events are happening outside. With lots of space and an activity to do, you should find that keeping your distance isn’t too much of a chore.

Finding Love

Whether you’re joining www.dateaberdeensingles.co.uk or another dating site in order to meet someone, you can do it and remain safe. Maybe after a date or two you could head to a pub with an outdoor area and enjoy some dinner? Or is there an outdoor cinema you could enjoy?

There is no doubting that within the current climate we have to be a bit more inventive when it comes to meeting new people but that doesn’t make it impossible. Even during these times, we all deserve a little happiness and some company, so if you are ready for dating then get yourself on a dating site and see what happens. I found the best way was to go with no expectations, see what happens and anything that did happen was a lucky bonus. It worked out for me, so I have no doubt it could work for you too!

Have you tried online dating recently? How was it?

Debz xx

*Collaborative Post