don’t make these mistakes when borrowing money

Some people say it is never a good idea to borrow money, but that is not true. There will always be times when you need to borrow money, whether it is to buy a house or a car or to pay a bill that came out of the blue. That is not a problem as long as you borrow money the right way, compare credit, and do not make some of the big mistakes that many people make in this situation. Here, we look at some of the worst things you can do when you borrow money.

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Getting by with credit cards

Life has a way of throwing you curveballs, and when it does, your monthly expenses end up being higher than your income. In this case, you might want to look into getting a credit card to make sure you can pay all of your important bills on time. In an emergency, that is fine, but some people depend on their credit cards to live or make more money every month.

This is not a good way to manage your money because you usually end up paying off the balance and then using the money right away. All you are doing is wasting money on interest payments. If you always have to borrow money or use your credit card at the end of the month, you need to look at your budget again and change how much you spend. That might mean giving up some luxuries until your money is in order again.

Getting the wrong kind of loan

When you get a loan, you should look at your options to find the best loan for your needs. Because it is often something that needs to be taken care of quickly, many people rush into it and do not make the best choice.

For example, if you want to start a business, you do not need a personal loan but a loan for a business. But if you want to fix up your house, you should look into secured property loans because you will get a better interest rate most of the time.

Taking out more money than you need

Borrowing money for non-essentials is never a good idea, but even if you need money in an emergency, you might be tempted to borrow more than you need.

The lender may tell you how much you can borrow when you ask for a loan. People often end up borrowing more money than they planned to because they think having more money will make their lives easier.

But that is only true in the short term. Once you have to start paying back the loan each month, it will be much harder to stick to your monthly budget. Before you apply for a loan, you should figure out exactly how much money you need and stick to that amount.

Getting money from family and friends

If you are having trouble paying your bills and are behind on a lot of payments, you might find it hard to get a loan or other credit because you have a bad credit rating. In this case, you might decide to borrow money from family and friends. If they can afford it, they will probably be happy to help. But that can be a huge risk sometimes. When you borrow money from family or friends, it can change your relationship with them, and if you can not pay it back, it can cause a lot of tension and fights.

If you have no other choice but to borrow from friends and family, you need to set clear rules to protect everyone. Think about it like you would any other loan, and make sure paying it back is your top priority.

** This was a contributed post.

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5 valuable lessons you can learn from renovating your home

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Renovating your home is something that is almost inevitable, particularly if you own your own house, and especially if you live out on the prairies. And, like everything in life, it’s something you can learn from. 

We’re not just talking about the practical DIY skills you learn, either. Carrying out a home renovation can teach you things you never knew about yourself. 

In this post, we look at what you can learn from home remodeling and how it changes you for the better. 

It Teaches You Patience

Home renovation projects rarely work out how you want them to the first time around. There are almost always glitches, delays, and installation problems. 

Because of this, remodeling teaches you the art of patience. You learn that if you want to get something right, you need to work late into the night after work, perfecting your work so that it looks professional. You also learn to accept that not all building materials will arrive on-site exactly when you plan them to. There will always be problems and unexpected delays. 

You Learn About Smart Changes

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Big, showpiece upgrades make you feel good for a while (and will have everyone in the neighborhood talking), but once you become more experienced, you start to learn that it’s the smart changes that make the biggest difference to your quality of life. 

For instance, as leafcogutters.com points out, adding protection to your gutters is a small change, but it negates the need to clean them out every couple of weeks in the fall. 

Similarly, adding refrigerated drawers to your kitchen or an ice maker can make cooking and preparing meals much simpler, all at a low cost. 

You Discover How Fearless You Really Are

Transforming your home takes a lot more courage than many people imagine. In many cases, you have to completely destroy what’s there right now so that you can replace it with something better.

During this process, you discover how fearless you truly are. While you have some trepidation initially, you find that you actually feel quite comfortable with a hammer in your hand, or when applying paint stripper to the walls. You don’t get freaked out as much when things look bad after a tear-down day. In fact, you view it as a sign of progress. 

You Should Always Be Prepared

Going into any renovation, you always need to be prepared. Think carefully about what could potentially go wrong, and then cook up some contingency plans, just in case. 

Preparation could involve working with multiple suppliers, collecting all the tools you need, surveying your home, and ensuring that it can accommodate the changes that you want to make.

You Can Be Adaptable If You Want To Be

Lastly, we sometimes forget just how adaptable we can be, according to www.scientificamerican.com. However, you soon rediscover your ability to cope with change when renovating your home. It’s like you learn about a creative side of yourself that you never knew you had. In turn, that makes you feel more confident to pursue projects in the future. 

** This was a contributed post.

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the top 5 cooking tips to create unique and delicious dishes

Cooking is an art form that can be used to create delicious and unique dishes. If you want to expand your culinary horizons, you need to check out these top cooking tips! These tips will help you learn how to cook more complex and exciting dishes. So get ready to take your cooking skills to the next level!

Via Pexels

1) Use fresh and seasonal ingredients:

Seasonal ingredients will always taste better than those that are out of season. Not to mention, they are also more affordable. When you use fresh and seasonal ingredients, you can be sure that your dishes will be packed with flavour. If you want to take your cooking to the next level, then you need to start using fresh and seasonal ingredients. This will ensure that your dishes are packed with flavour and appeal to a wider range of taste buds. Not sure where to find seasonal ingredients? Check out your local farmer’s market or grocery store for a list of what’s in season. You can also do a quick Google search to find out what fruits and vegetables are currently in season.

2) Get creative with your spices:

If you want to take your cooking to the next level, then you need to start getting creative with your spices. Spices can transform a dish from bland and boring to flavour-packed and exciting. When it comes to cooking with spices, there are no rules. So don’t be afraid to experiment! From there, you can start experimenting with different spice combinations until you find something that you love. Trust this; your taste buds will thank you!

3) Cook with different kinds of cuisines:

One of the best ways to learn how to cook more unique and delicious dishes is to cook with different cuisines. There are so many different cuisines out there, each with its own unique flavour profile. You can expand your culinary horizons by cooking with different cuisines and learning new techniques. Not to mention, you’ll also get to try some delicious new dishes such as linguine with clams in white sauce! So next time you’re feeling adventurous, why not try cooking with cuisine that you’ve never tried before?

4) Learn from your mistakes:

Every cook makes mistakes, but the best cooks are those who learn from their mistakes. If you want to take your cooking to the next level, then you need to be willing to learn from your mistakes. After all, there is no such thing as a perfect dish. So if you mess up a recipe, don’t get discouraged! Instead, use it as an opportunity to learn and grow as a cook. Mistakes are inevitable in cooking, but how you handle them counts. Learning from your culinary mishaps is what will help you become a better cook.

5) Have fun:

Last but not least, remember to have fun! Cooking should be enjoyable, so make sure to find recipes that you’re excited about. Don’t be afraid to experiment and try new things. And most importantly, don’t take yourself too seriously. After all, cooking is supposed to be fun! If you keep these things in mind, then you’ll be well on your way to becoming a better cook.

So there you have it! These are the top five cooking tips to help you create unique and delicious dishes. So get out there and start cooking! Who knows, maybe you’ll even come up with a dish that becomes your signature recipe.

** This was a contributed post.

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how cooking is a form of self-care

Cooking your own meals is the best way to ensure that the foods you eat are fresh and healthy. You can save money by making your favorite family soup or pizza at home. As well as this, however, cooking, it turns out, can be highly soothing for your mental health. Cooking at home greatly affects both your physical and emotional wellbeing. Let’s have a look at how cooking can be used as a kind of self-care or therapy.

Photo by RF._.studio 

Creates Mindfulness 

Mindfulness means paying attention just to the now. Accepting your ideas, emotions, and experiences as they are and then deciding to let them go is known to be a positive part of what mindfulness can do for your life.

Stress reduction, higher concentration, increased cognitive flexibility, and immune system stimulation are just some of the advantages of practicing mindfulness. The practice of mindfulness is often associated with disciplines like meditation and yoga, but you can also apply it to a wide range of other endeavors. Making a meal is no different. 

If you’re already a fan of getting your hands dirty in the kitchen, you shouldn’t have any trouble incorporating mindfulness into your cooking. Even if you don’t love cooking, you can learn to appreciate it with a little practice. The internet has everything you need to improve your cooking. For example, you can learn how to easily brown butter at sugargeekshow.com. You’ll soon learn to love cooking because it serves as a diversion from negative thoughts when done with mindful intent. 

It’s A Creative Outlet

Instead of viewing cooking as a burden or chore, look at it as an opportunity to express yourself creatively. They’re a great way to recharge and focus on self-care, especially when you feel truly accomplished afterward. 

When it comes to food, you eat what you prepare. You don’t have to worry about what you’ll do with it when you’re finished because it’s fuel to get you through the day. It’s a nice hobby to bring friends and family over to spend time together and strengthen your bonds.

Stimulates Your Brain

In the midst of the hustle and bustle of work and home, it’s easy to become bogged down. Despite our best efforts, routines can become tedious, even when we like the result. The thought of having to make yet another choice about what to prepare for dinner at the end of the day can be exhausting in this situation.   

Cooking is a great way to shake up your regular routine and stimulate your mind. Try new ingredients and dishes that you haven’t tried before to see what you think of them. Cooking is a skill that can be learned and improved upon. Your favorite food blogger or a new cookbook can be a great source of inspiration when it comes to finding new ways to prepare your favorite dishes, for example.

You Can Find Joy In Simple Things

There are a lot of obligations and commitments in everyday life. You can make life a lot sweeter by choosing to take delight in the little things, like making a new soup or not deflating that souffle. Cooking can be just as enjoyable as eating it if we approach it from a different perspective.

** This was a contributed post.

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more cluck for your buck (5 delicious chicken thigh recipes that are easy on the wallet too!)

There are so many reasons to use chicken thighs over breast meat. Firstly, they are much cheaper so you get a lot more ‘cluck for your buck!’ Secondly, the dark meat and skin combination is so much more flavourful and moist! Lastly, chicken thoughts are chocked full of great nurturist like thiamine, niacin, as well as vitamins B and B12 which are great for the metabolism and will help you and your family build strong muscles. 

Now you know the reasons to include more chicken thighs in your diet, the only thing you need is some delicious recipes for cooking them. Fortunately, we have you covered in this regard just check out our suggestions below. 

Oven Baked Chicken Thighs With Dijon Cream Sauce 

If you are looking for something rich, creamy, and satisfying that will feed the whole family then these oven baked chicken thighs will do the trick. Combining heavy cream, and sharp dijon mustard with a few other basic ingredients this dish is simple to prepare and is always greeted with appreciation. 

The critical part of this dish is browning the thighs before they go in the oven, as then you can see the contrast of the crispy texture along with the velvety smoothness of the sauce. Feel free to make this dairy-free by replacing the heavy cream with coconut milk, and the butter with a plant-based spread. 

Marinated Crispy Chicken Thighs

This is one of my own recipes and is so simple to make as it only involves 6 ingredients. You just need one chicken thigh per person, some vegetable oil, salt, pepper, chilli powder and a bottle of Italian dressing. Yes, it’s that simple! 

The secret to success with this recipe is that you mix the chicken thighs with the other ingredients ahead of time and then leave them in the refrigerator for at least 2 hours to marinate. If you have the time, leaving them overnight will create an even more intense flavour!

Serve with steamed veggies and rice, or mashed potatoes if you prefer. You could even serve it alongside pasta such as orzo for a lighter more summery dish, with a drizzle of olive oil and some fresh basil leaves.  

Japanese Yakitori Skewers 

Yakitori skewers are a Japanese favorite often served as street food, or in small family-run cafes. They are nearly always made with dark meat from the thigh of the chicken because it’s more succulent and flavourful. 

Happily making your own at home couldn’t be easier as all you need is some deboned thigh meat, some skewers, some water and ingredients for the marinade which includes soy sauce, mirin, rice wine and vinegar. 

 

One of the best things about chicken yakitori is that the marinade is the same as the dipping sauce, so you don’t have to mess around making loads of different elements. 

Remember to soak your wooden skewers in water before you thread the chicken onto them, as this will stop them from burning/setting on fire when they hit the grill. 

Mexican pulled chicken thighs

To be honest, you can make this recipe with chicken breast if you want, but it just won’t have that depth of flavour you are looking for. The great thing about pulled Mexican chicken meat is that you can use it in a range of dishes from soft tacos, to enchiladas, to burritos to crispy tacos shells. You just need to add the accompaniments such as sour cream, grated cheese, and the relevant sauce.  

When you get to the pulling part of the recipe you can use two forks, although if you cook it a lot you may wish to invest in some meat claws as they make shredding the chicken super quick and easy, which is particularly good news if you have a big batch to work through. 

Balsamic Basil Chicken

Last, of all, we have Balsamic Basil Chicken which takes a mere 10 mins to prep and 30 to cook all in the same pan. The main ingredients of this dish are the chicken thighs along with cherry tomatoes, balsamic vinegar and olive oil. All of which provides a distinctly Italian flavour to the recipe. 

Again this is a dish that is best prepared ahead of time because the longer it has to marinate, the fuller the cooked flavours will be. Don’t forget to add some shaved parmesan to the finished product as you serve along with a green salad and some delicious crusty bread to mop up all the savoury juices. 

** This was a contributed post.

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  • Welcome, friends! My name is Emory. I am a wife and mother to four (three on earth and one in heaven). This is our life on the Canadian prairies.
    email: helloscarlettblog@outlook.com

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