Showing posts with label lifestyle. Show all posts
Showing posts with label lifestyle. Show all posts
Things they didn't teach us growing up: The Money Edit

Things they didn't teach us growing up: The Money Edit


*This is a collaborative post*

Growing up like most people I hated going to school, I felt like every day was so pointless and constant bullying made my days at school hell. However, now as an adult, I can respect the amount I did learn at school, and wish that I could have worked harder towards my goals instead of counting down the days until I left. Looking back on what we learnt at school and the skills most of us are lacking now is a huge downfall in the education system. We needed to know more about finances, relationships, how to cope with our mental health, sex and how to communicate better with others. 

As when we are in school it is when we develop most as a person as these are our younger years leading on to our teens. We needed to learn more about real life, instead of what was in books and although I may know basic algebra, I lack in knowing about actual real life money skills. Such interest rates, money management, credit cards, how to save and even credit scores. Those things are real life and they're what we need to know. So I've decided to share my own personal knowledge on the subjects, the best I can and hope to help others learn more about the topics. I am in no way claiming to be an expert in any of the fields, this is purely my opinion and based on what I've learned along the way. I recently wrote the confidence chronicles and how self-confidence can go a long way. Let me know in the comments what topic you'd like to see covered next.


Credit cards aren't always bad:
I was always made to think credit cards are bad, that they are there for additional bills or things you can't afford, so they add them to their cards to pay back at a later date. Which to some extent can be true. However, credit cards can be great for your credit rating, they allow you to buy something on them, pay them back each month (in full if possible) and then your rating will grow as it allows you to show you are responsible with money. Luckily for me, in college, our tutor told us about this when we were learning about freelancing. It's worth going through a comparison site such as Money Supermarket who offer a credit card comparison service based on the information you provide they advise the likelihood of you being accepted for a card without doing a credit check which can damage your score. Most people I know who are attempting to build up their score, usually by their weekly/monthly shop on their card and then pay it back at the end of the month. 

Loans are fine, as long you can pay it back:
Sometimes unexpected bills can crop up, like an emergency dentist appointment or an expense which is unavoidable and you can end up needing to borrow money. Most of us have been there and although it's not a great situation to find yourself in sometimes you have to do it. With things such as payday loans to get you through to payday, the interest can be higher than the amount itself dependant on the time frame in which the loan is going to be taken out for. Finding the correct lender for you is always important, in the past, I've gotten a loan with a company I didn't know much about, and went in a bit blind and went for it, which ended up with me paying back so much more than I owed. With iLoans they help you find the perfect lender for you, with the best APR for your loan. With all loans, there is a cooling off period, so it is worth finding this out before taking out the loan in case you change your mind.


Set up a spreadsheet to budget:
It's often easy to get away with spending on payday, but it's worth creating a spreadsheet which has your earnings on and all of the bills you have coming out (be honest else it won't work) then it will allow you to see what is left. I include my food shopping on the sheet due to this being a pretty big expenditure each month, I find out the amount to add in monthly by doing an average of the last three months and that way it gives me a rough estimate. With the remaining funds I like to spend on things I may need each month e.g. food out and makeup and then any left over should go into savings. It's easy to create a spreadsheet and I enjoy to add colours into mine to make it less daunting. 

What are your top tips for dealing with your finances? 
Read more »
Olivia Jade
3 Comments
What has blogging taught me?

What has blogging taught me?





Back in 2013 when I started blogging it was never about the money, it was about the friends, the content, the community and most importantly our passions for writing. When I wrote my first blog post about Barbie cupcakes (soz, this has long been deleted), I remember feeling cool, like I had my own space on the internet, it was like a step up from Tumblr as it felt like truly mine and although I am pretty sure my photos were taken on some next level brick, at the time I was made up with the post. Fast forward to 2015 when blogging became an income for a lot of bloggers, the money was high and the stakes to become the next big thing were even higher. I was writing so much content just to keep up with the game, and I remember I ended up hating what my blog had become, I felt like I was just churning out rubbish four times a week and I decided to take a huge break. I wasn't sure if I'd even come backHaving a blog and your own social media channels feels at times like you're running your own little empire. Sometimes you create what is expected of a whole team with just you on your own. I have often considered, even now, going completely freelance to work on my content full time and not have another job alongside it. It would be so much harder than it is having it as an extra income like I do now, but it is something I'd love to one day be able to do. 

I was always worried about what being alone all of the time would do to me as a lone worker in my house all day. When reading up on the options I found out about Signature Works who have office space in Liverpool which can be anything to Hot Desks to work as an individual but it still allows you to be around others, giving you that social interaction or there are even offices to rent in Liverpool . and despite Liverpool being quite far away from me, this did get me looking into other options close by, and just like Liverpool, most cities offer a similar deal. I know Manchester which is not that far away from myself offers up Hot Desks which to work for a few weeks/months to be away from working at home would be ideal. Like Signature Works they offer networking and training events which can be hugely beneficial to your business. You can also use their office spaces for your own meetings which can be great when meeting clients. Plus water and beer on tap, doesn't sound too bad right? 



Being a freelancer I've learnt a lot about my own skill set, I've developed skills I didn't even know I had until I was put to the test of using them. I've taught myself how to file a tax return, what expenses are and how to keep organised when it comes to my income. I've also found out my photography skills are improving with every single picture I take. You learn to be proud of the content you create and love getting your name out there. When I first started it was a bit like 'my thing' and the idea of anyone I knew in real life reading it made me want to die a little inside, I was so embarrassed. Now, I stand by my own work like no end and I am not afraid to shout about it.

Sadly, with all good, there is usually a bad. I've also found out that like pretty much everywhere in the world there are good people and bad people. People who are only out for themselves and those who only want the 'free stuff'. It does put a bad name on all of us bloggers when there are people out there who are only looking for press samples or who take advantage of small businesses and their kind spirit. People become too big for their boots and forget those around them who helped them grow and this makes me sad to see. Like most things, you can fall from the top a lot quicker than it took you to climb up there in the first place. 




So what has blogging taught me? Well, I am in my sixth year now and haven't experienced much negativity during my time as a blogger. I've worked with some amazing brands and other creators and if you'd of told me this at the start of my blogging journey I would never have believed you. I've met people who I wouldn't have without the passion of writing bringing us together, people who come from all over the world and all different walks of life. I have also found out that I am very indecisive which I didn't believe before about myself and I like to change my style a lot. But that's what makes me, who I am. 


I'd love to know what you've learned from blogging in the comments!

*This is a collaborative post, but all thoughts are my own as always*

Read more »
Olivia Jade
10 Comments
2019: Same sh*t, different year?

2019: Same sh*t, different year?



My social media is filled with roundup posts of 2018, with people sharing the good, the bad and everything in between about 2018. Those who have had a bad year can't wait to close the door on it and for some, it has been the best year of their lives. For me, it's just been another year. The year has been a good one to me, but other than getting engaged, nothing massive has happened. I am happy for those who have done amazing things this year, or who have achieved great things, I've seen so many of my followers having babies which are adorable. This year has been a lot of going to work, writing posts and attempting to go back out into the world as much as I can. I met one of my best pals, and I couldn't quite imagine facing 2019 without her. 

As cynical as it seems people always use January to make these changes, and most of us don't stick to them. I spend the first half of 2019 trying to remember when referring to the date that we are in 2019 and not 2018, as well as forgetting things are this year as opposed to next year and don't even get me started on the fact of when I am finally used to 2019, it's almost over. The pressure to start the new year as a new you is too much for me. I don't want to be a new me, maybe a slightly revised one at best. I pick small targets which I'd like to complete in 2019 but I don't want to feel bad about them if I fail them, because life is too short for making yourself feel guilty over a new years resolution. 




I admire those who set those resolutions on January 1st and manage to stick to them, all the power to you. For people like me, I find it hard to commit on January 1st to anything new. I find it cliche and I feel the pressure too much. Yes, I want to lose weight and go back to the gym, but am I f*ck doing it in January when everyone else will be doing the same, no thanks. I plan to cut down the number of takeaways I eat in a week (it's bad), but I know being the person I am, it's impossible for me to cut them out completely right away. Working towards cutting them down is an achievement in itself. I've done new years resolutions in the past many times and always end up beating myself up when I've failed them and that's not what I want to start the new year on. 

My 2019 goals are pretty much the same as every year, keep my head above water, go out and enjoy more things, possibly lose some weight and join the gym (at some point) and enjoy life as a 24-year-old would (It's my birthday in 13 days, woo). This year I have an additional 'goal' which is to start planning my wedding, I know in reality it is probably a long time away, but at the same time, I know nothing about weddings. Each day of the year I strive to make myself a better person, smile at people more and even learn new things and that won't change for as long as I can help it. 



The point of this post isn't to sh*t on those who are buzzing for the new year and have amazing plans, I promise. More for those like myself, who struggle with the idea of huge changes, or feeling like they haven't achieved anything huge in 2018, because that's ok too. This year, if I can give you any piece of advice is take it as it comes, I've spent far too many years trying to make things happen and forcing myself to do things I really didn't want to do. Live 2019 for you, and be kind! Happy New Year all. 
Read more »
Olivia Jade
12 Comments
Hosting the ultimate games night #1

Hosting the ultimate games night #1



Weird Crushes: 55 Hunks
Weird crushes game

When my friends come over these days we often opt to play a game of some kind, I may be turning 24 in a matter of weeks but going out is overrated and playing games with your pals are much more fun in my opinion. Recently I've been gifted some games from Firebox and decided to review each of them for you and let you know if they're worth your hard earned cash. I have a part two of this coming too as I have some other awesome game recommendations but decided to split it up so this post isn't *too* long. 

Weird Crushes, British Hunks £9.99: 
Think the childhood classic, Top Trumps but with British celebrities, politicians and the addition of Ian Beale and Phil Mitchell from Eastenders. This game is the battle of the fittest *literally* and can be played with as little as 2 players. The cards make me laugh as they have a bit information on each person on them. Oh, and I'd love to know who made the ratings up for these cards as some of them are questionable. I mean, who decided that Danny Dyer deserves a 10 for sex appeal and why doesn't Louis have straight 10s as he clearly deserves them. 

The Noodle Game £15.99: 
This game is one that all the family can be involved in and can be super competitive. The rules work by each player having a bowl and a matching pair of chopsticks, all of the noodles are in the carton (the box) and then the players take it in turns to pick up a noodle from the box and get it from the box to their bowl. The other players can attempt to get this from you, however, they can't move their chopsticks from their bowl until the noodle is away from the box. The noodles are a variety of sizes, so at the end, you have to count them up to find out who won. The concept is great, but the fact the way you count the noodles point value is by size and the sizes can be hard to tell apart, a colour scheme would possibly work better for this game, although I assume they made the noodles the colour in which they are to keep them looking authentic. 


Make Your Own Gummy Pizza £7.99:
What is a games night without pizza right? You can opt for the traditional Domino's which is always a solid choice, however, thanks to Menkind you can also get a gummy create your own one, which is much more fun and would be a great prize for the winner of the games night or just to snack on throughout the night. 

If you HAD to... £16.99
This game is one of my favourites ever, it's such a simple concept but gets everyone laughing and also you get to a learn a little more about the people around you. The way in which the game works is, everyone is dealt cards and then you go round the room and take it in turns to be the judge, the idea is you give the judge the cards they'd hate the most and then you have to sell them your idea as to why it is the worst for them. You can decide what circumstances apply to the card, e.g. live your life as Barney the purple dinosaur, the judge may ask you if this is forever, and then you can decide how it would play out. The first to five is the winner, however, we kept going for ages when we played. It's a great drinking game or just one to break the ice at a party. Think Cards Against Humanity gets personal. 

If you had to
If you had to

Have you played any of these games? If so, what were your thoughts? 

*These games were gifted to me by Firebox, however, all thoughts are my own as always and I loved playing each one, and they're 'special' in their own way. 

Read more »
Olivia Jade
3 Comments
Tattoos: The good, the bad and the ugly.

Tattoos: The good, the bad and the ugly.




This is a collaborative post. 

2018 was the year I got a *little* tattoo obsessed, I started the year with 4 tattoos and I am coming up to the final month of the year with 11 tattoos. I met a tattoo artist called Heather at a local studio: Blacktide Collective. Heather created the images exactly how I imagined, she got my visions and had some beautiful pieces of flash that needed homes. I even got two of my bunnies tattooed on me in the summer by Heather. I recently wrote a piece called what does your tattoo mean and it made me realise how many of you guys have tattoos. A lot of you like me have gotten a variety of tattoos you love and have done since day one. Some of you have huge pieces planned out and others have gotten them on a whim. There is no right or wrong way to decide on a tattoo. Unfortunately with the good comes the bad, some of you have designs based on ideas you loved and they didn't turn out how you imagined (que just about any tattoo programme on channel 4 or 5, ever) and some of my readers have even got their partners name which has then turned into being an ex. 


Some people play it off and try to love what they have, I've even seen a story about a guy who is currently on the lookout for a girlfriend with the same name as his ex so he feels less bad about his tattoo. But for those of you who can't stand your tattoo and need it gone, tattoo removal may be your only option. As someone who has a lot of tattoos, luckily none of them are ones I regret and I hope I never do. But if a tattoo of mine in the future did go wrong I feel like laser removal would be an option I'd consider. I decided to reach out on social media and see what others are saying about their tattoos. 

Lindsay says: 
I have 3. One is a Playboy bunny (classy chick) and another is two dragons on the back of my neck. The 3rd is a mess that I let my ex-do on me. It's a star on the bottom of my leg. NEVER let someone else tattoo you for love.

Image may contain: one or more people

Demi-Leigh says:
"I got my tattoo when I was 18 years old - my first and only - a quote that reminds me every day to make my life a story worth telling. I always thought I'd regret it but it became so apt as I grew into the person I am now"

Kim says: 
My favourite tattoo is the one I got most recently as it means the most. Its lyrics from my favourite song by my favourite band that have stuck with me for over a decade, and the tattoo is by an incredible local artist who specialises in abstract watercolour, so it's really beautiful!


Kims tattoo


Shelley says:
"My first tattoo was when I was 18 & it’s three little bats on my ankle which now look silly as hell. My parents didn’t find out till years later when I had like 10 others. Felt like a little rebel doing it & it’s probably my worst one but hey lesson learnt & memory made"

Emily says: 
My back piece is my favourite tattoo, featuring the Buddhist Goddess Tara. It's not finished yet, but I had it started during a hard time (PTSD following an assault). Tara embodies compassion, which I really needed. Strangely, the man who attacked me was arrested that day!



"I got my first tattoo at 41, and now 2 years later I have 5! I wanted one since I was a teenager but always worried about what other people might think. When I reached my 40s, I finally decided that I didn't care what they think, and now I love my tattoos - I've got more planned!"

Kaya says:
I got a 'D-12' (Eminem's band) tattoo when I was 17. I'm 35 now and it makes me laugh every time I see it. What was I thinking?! 

Image may contain: one or more people

Alice says:
I have four tattoos and love them all. They represent specific times of my life. I have a feather and flying birds tattoo on my right rib from when I finally rid myself of my abusive ex. Each bird stands for someone that really helped me get away from the situation and I asked each one of them to pick the colour of their specific bird. That tattoo makes me feel happy. 

Charlie Louise says: 
An Albert Einstein quote on my back when drunk in Magaluf is probably one of the craziest things I’ve done. I also have dad on my wrist which I absolutely hate as it’s a botched job but I also love it because I got it done when I was a teenager after my dad passed away. My favourite tattoo is my sea turtle tattoo, my partner and I have matching ones and it really means a huge amount to me.


Let me know in the comments about your tattoo stories, I love to read them. 
Read more »
Olivia Jade
13 Comments
Engagement, excitement and happily ever afters?

Engagement, excitement and happily ever afters?


Saturday 17th of November was a day I won't be forgetting in a hurry. I woke up in the morning for work knowing I'd hardly been able to sleep throughout the night and I was already dreaming of an acceptable time to be able to go to sleep when I was home. The day at work goes pretty quick but I couldn't wait to get home. Once I stepped through the front door, I said hi to Will and then I collapsed into our comfy armchair and took a breath and closed my eyes, a few seconds later I opened them again only to see Will on one knee in front of me. He was saying the words but I couldn't comprehend the words which were coming out, it was hard to understand what he was saying as I was freaking out. I recall hearing Liv, you know I love you. Then me bursting into tears and freaking out, probably not an ideal reaction but I promise you it was a happy one. The ring he pulled out of his pocket was so me, I knew as soon as I saw it he had put a lot of thought into his choice. 



I am glad Will decided to do it in our house as opposed to in a restaurant or a public location as I would freak out at the idea of people staring at us. Getting engaged is something most girls dream of but don't know when, if ever it will actually happen for them. I'm almost 24 so the timing felt right. The Pinterest boards have been being added to since 2013 so it is great to be able to have meaning behind them. We haven't set a date and know it won't be anytime soon, weddings are expensive if you want the big wedding which is something I now dream of becoming a reality for me. Buying a house is also a goal I would like to achieve in the next 5 years, so it is hard to balance the two. With the new year approaching, I will be setting my new years resolution to start saving up for the future. 



Dating with BPD is a difficult one, let alone planning a future with someone. For them and for me, it's hard. I find it hard to cope with so much love for one person, I am unable to feel the love in normal doses, it's all or nothing and sometimes I love that person so much and then other times I can't cope with being around them. Sadly, I'm not sure this will ever change. But for me, being happy to spend the rest of my life with someone feels like I am making progress, I feel the most stable and settled I have done for as long as I remember. The future looks bright and a huge change from the way I felt before my 22nd birthday, where I didn't even see myself having much of a future if any. I have a job, a house, four bunnies and now a fiance which feels crazy to say! 

We never really know what the future holds but as of November 17th I feel like my life has changed in a way which it never has before and I feel ecstatic that someone feels that way about me enough to actually want to marry me(!) and I am excited for what the future holds. 

Read more »
Olivia Jade
7 Comments