Maintaining A Fashionable Lifestyle With Alamo Associates

We live in an age when consumerism is perhaps at its peak. Financial facilities that are now available have led to a general belief that it is now easy to buy whatever we wish, and then pay for them later in manageable bits and pieces. This has resulted in buyers becoming more aggressive. Buy now and pay later is the culture that has taken over the world. As a result, people are being more and more driven towards debt.

Easy money fuels buying

It is so easy to get into debt. Suppose you have a reputation for being fashionable, and you take pride in buying new items frequently. It is quite natural that in order to stay fashionable, you indulge in spending more on branded clothes and accessories. You feel a tinge of excitement every time you see a “sale” sign hanging outside of a store. In order to stay tuned with the trends, you become unmindful of the spending since money is now easily available through various financing schemes and credit cards. You pamper yourself with shopping sprees that soon become your habit.

priiincesss-fashion-quote-the-week-carrie-bradshaw-270425

The debt trap

The habit of uncontrolled buying can keep growing. This can lead to a dreaded financial rut as debts mount on credit cards. The temptation to borrow from multiple sources to keep pace with your buying habits is always a danger. Debt can also get worse due to just paying the minimum amount off every month against the debts, which is quite common with other financial needs, but the burden of debt gradually acquires menacing proportion. Along with other bills that need paying each month, managing debt can become a big problem. Missing out on payments can make things worse for you as debts keep piling and you can also end up with late and missing payment fees.

confess

Borrow from a single source Like Alamo Associates

So what options are available to help manage your debt and repayments?  You need to look for support from a company like Alamo Associates who prioritise what clients need by offering a single monthly payment with low interest rates.  The idea being that it is easier to deal with a single lender who offers finance at lower interest levels, enabling you to pay off the total sum of all other outstanding debts.

What Will Happen?

A company like Alamo Associates will first evaluate your needs and financial situation, before they offer you a new loan/payment scheme that should be manageable for you.  The new loan is obtained at lower interest rates so that you pay less every month and can hopefully lead to your debt being repaid in a way that still leaves you able to live day to day.

You have thus found out a way to get out of the vicious trap of debts that has now becomes easy to manage. You don’t need to give up your love for fashion to live a life free of debt. All you need to do is manage your finances better!

Add Film Star Glamour To Your Bedroom With These Ideas

You know those gorgeous bedrooms that you see posted all over Instagram by celebrities? Well, they’re not as hard to achieve as you would think. So if your room is in need to an update, why not go for a design that’s inspired by a celebrity home? If you have always dreamt of having a beautiful bedroom that combines luxury and glamour, you’re in the right place. Want to make your bedroom as glamorous and elegant as a celebrity’s? It’s not as difficult as you would think, here’s what you need to do: bedroom-design-huelsta-manit-2 Get inspiration If you’re not sure what design style you like, take some time to get inspiration. You’ll find it much easier to create a beautiful space that you love if you have an idea of the types of designs you like. Use Instagram and Pinterest to get inspiration for your room. Look at the different colour schemes, layouts and themes, and choose one that you like the most. Look at websites like Furniturebox, which offer bedroom furniture and accessories in a wide range of styles and tastes to give you some room inspiration (I’m obsessed with their Venetian glass bedside tables and units). Once you’ve picked out a design to focus on, look at the elements of it. Look at the decor, the style of the furniture, and the accessories that have been used. These are all important parts of the room, and things that you need to get spot on, if you want to recreate the look.

Keep the walls neutral The key to adding glamour to your room is decorating the walls in neutrals. Whether you prefer paint or wallpaper, using neutrals is a must if you want to create an elegant space. If you’re a fan of bright, bold colours and patterns, these can be added later on. (The best way to add colour to a space is through accessories, not through the walls themselves.)

harlowvanity

A statement bed frame You’ll find that in most elegant bedrooms that the bed acts as the statement piece. Ask any interior designer and they’ll tell you that in any sleeping space, the bed should always be the focal point. If you want your bed to act as a focal point, it needs to be a design that’s strong. This means picking a bed frame that doesn’t sink into the background, but standouts and makes a statement. One of the best ways to achieve this is by selecting a bed that’s got a headboard that stands out. Look for a design that fits with the theme of the room, is stylish and, most importantly, eye-catching.

Use accessories to add style and elegance For a room with neutral walls, accessories are crucial for adding style and elegance. There are so many ways that you can use accessories to add personality and glamour; it’s just a case of getting creative. For a room with a sophisticated vibe, it’s best to opt for designer home accessories. If you want a space that feels like it should belong to a celebrity, you need to be willing to invest.

ec60843c3a21a05d236ad637b4a1b347

From patterned bedding and rugs that make a bold statement to light fixtures that add glamour, there are so many accessories to choose from. It’s just a case of selecting the right ones. Be choosy about your accessories, and ensure that they fit the style of your room, and you can create a beautiful space.

Even if you’re not a celebrity, with these ideas you can make your bedroom feel like it should belong to one. Happy decorating!

Online Identity theft – Are we oversharing?

We spend so much of our time online these days. We shop online, consult online doctors, do our banking online, book our holidays online and do our tax returns online. There seems to be nothing that we cannot do at the click of a button and businesses often rely on the ability to work online, many being completely based on the internet, with virtual premises and systems. Whilst this is brilliant for our convenience in a modern world, it does mean that our personal data is out there, floating around cyberspace as we give our details out to everything from TV licencing, filling out tax returns, to ordering presents for Christmas.

More data and information is shared through our love of social media. I am a huge fan of social media, using Twitter, Facebook, Pinterest and Instagram pretty much everyday. I am not ashamed to say that I use them all, both as a tool for sharing my work (and gaining more work) and also in a personal capacity. Facebook in particular is a way to keep in touch with friends and family who you don’t necessarily see all the time, to share photographs of Joe, and his milestones as he grows up. But are we putting ourselves in danger by our new obsession with over sharing.

Well, the answer is both yes and no. Online companies, and other companies who use the internet in some way are now taking our data, and its protection, very seriously. Companies collect data through master data management, with Microsoft’s Master Data Services becoming a preferred way of storing personal information – not just about the general public, but also about employees of said company. High levels of security have been put into place to monitor and restrict who is able to access and view our data which companies hold due to transactions and services. This is more reassuring than in the past, but our oversharing in other areas can still be a problem.

9b7f5fe0-111e-0132-082e-0eae5eefacd9

This makes me giggle, but are we oversharing?

This makes me giggle, but are we oversharing?

Emails are a way that fraudsters can try to get us to give our personal details, and although Google is very good at filtering the spam from real emails, these spam emails still get through. As a blogger this has been a definite issue for me personally, with my email freely available on my blog for anyone who wants to try and make contact. This led to me removing my email from my homepage, there were just too many emails from cranks.

It got to the stage where I was getting email after email that claimed to be from my bank, or from Paypal, along with scores of emails about unclaimed vouchers and money I’ve inherited. Most of this was luckily filtered as spam, but some of it looks very plausible, and younger, more vulnerable people could well fall victim to it.

lloyds

Ultimately we need to be more vigilant ourselves when it comes to our data. We need to read the small print to see just how it is stored and used by the companies we give it to. The Data Protection Act of 2018 definitely improved matters, but you still need to look at whether you are ticking boxes to opt in or opt out. You have to carry some of that responsibility.