Miss Millennia Magazine | The Lifestyle Blog for Career-Driven Millennial Women
Miss Millennia Magazine is all about helping millennial women transition from college into adulthood. We give you practical advice on your next stages in life, useful tips for your career and in college, and even the best beauty and fashion tips.
Do you want to stay fit and strong in the fitness world? Then yoga is considered as the right option. Yoga pants are the perfect choice to get perfect body shape and style. If you are planning to buy yoga pants, then you need to reference some reviews. Moreover, wild, print and color details have made yoga pants to be chicer than ever before. There are numerous varieties of yoga pants available in both offline and online stores which will sure to suit your body size and help you to get benefit from yoga workout.
Tips To Get Best Yoga Pants
With the help of good yoga pants, you are sure to get optimum results from yoga workout. It is highly comfy for the women who are continuously expecting for comforting and soft material to wear. Even the pregnant women can get perfect body shape after delivery by considering yoga workouts with the help of perfect pants. When you buy perfect yoga pants, several things have to consider by checking top to bottom. Therefore, it makes buying simpler when you follow these things before buying. Here are the tips to avail best yoga pants in 2018.
You have to ensure that you are buying comfortable yoga pants. It does not mean that it must make you good but also caters appropriately to your regular activity. It is a discomfort to wear ill-fitting trousers or shorts or baggy pants while doing yoga exercise. Likewise, avoid using tight-fitting pants because you involve in doing more stretching activities during yoga. Jump, jog, squat and stretch in the trial room before getting yoga pans so that you will feel highly comfortable. Almost everyone is getting comfortable pants where you can work out without any troubles.
Most of the people like to choose blues, charcoals, blacks and Grey colors in yoga pants. Because these colors are considered as safest ones, and you will feel highly comfortable by wearing these clothes in your body. It is recommended to choose candy orange, fluoro pink or lime green to practice yoga as these colors are eye-catching and impressive. There are so many colors available, but it should pick the desired yoga pants for your need and preference. Based on distinct colors, the pants provide an awesome look and thus grab attention on it.
You are going to do a lot of exercises and fitness program with the help of your yoga wear. In some cases, you will push up your body to a great extent which is forced to alter its shape. So, the yoga pants must be highly durable and strong. Opt for the stretchable fabrics which will never shrink after post-wash. Always make sure to double check on the zippers, patches, and stitching before purchasing your yoga wear. Perhaps, quality deserves the main role because exercise often stretches and do activities without irritation. So, quality is worth when buying yoga pants in 2018.
Make sure that your yoga suits your body perfectly & reflects your body shape. When your body looks good with these yoga pants, then you will be extremely motivated to carry out workout regularly, and hence you will never feel skipping the yoga classes. You will get benefit from your yoga workouts only when you wear perfect clothes. According to the fitness level, the yoga pants discover a comfortable look for your fitness. It witnessed to pick the right fitness yoga pants in case you need free type pants anyways. This could easily carry out work quickly and thus have the perfect solution that extremely uses for yoga exercises.
When compare with other options, size is the most important factor when you buy yoga pants. In fact, it discovers a good opinion in case of buying pants that fits the body perfectly and adds extra comfort forever. The size should be selected based on the requirements and thus have familiar models of yoga pants for your need and desires. It takes best platform when you opt for keeping size and thus have perfect solution before buying yoga pants. In accordance to size, the fitness never disappoints when you pick the perfect size yoga pants. Different sizes are available according to your body shape so choose within the size and do yoga exercises.
It is one of the most vital things which you must pay attention. Ensure to prefer for the good fabric what eliminates the moisture of the skin. Polyester, nylon, and lycra seem to work best. Some people consider those cotton clothes are known to be the suitable gym wear. Cotton clothes tend to absorb moisture, but it can stick with your skin thus spoiling your workout. When compared with ordinary yoga pants, the fabric has a salient approach when it decides to buy yoga pants. The people could find the best one with the cotton and fabric conditions when buying at the right time.
From the above discussion, we may have an idea when we buy best yoga pants. The above considerations are useful at the time of buying yoga pants for everyone. You have to keep these things in mind when you go shopping. It will be useful if you have confusion regarding the yoga pants and buy within these considerations.
You can’t ignore the topic – student loans are a fact of life. In this time and age, one of the largest points in everyone’s budget is student loans. Not everyone may end up with student loans though, but if you are in those shoes, you have to start understanding those details, terms, loans and know how to approach them.
At first, it all seems to be easy money when you are trying to get that degree or certificate. But when it comes to repaying the money, a lot comes to play. Seriously so much can switch from such easy money to becoming a painful expense.
Everyone can be pained by costs. But there is always a way to make lessen the burden of such costs. If you have graduated with student debts, you have to start knowing how to get around paying off your student loans.
Here are eight things you need to know about paying off your student loans.
1. Start Early
The earlier you start looking for ways to tackle your student loans, the easier and better it will be to approach them. If you can start saving for or paying off your loans when in college it becomes realistic that you would accomplish a lot before the loan reaches the end of the deferment period.
2. Using Auto-Pay
The auto-pay feature could give you a 0.25 % discount on your interest rate. Although it may not sound like much but imagine how such feature could reduce your total loan cost by as much as $1, 500 or even more! Rather than up your lifestyle when you get that raise focus on how money can be taken directly out of your paycheck and put in a separate account.
3. Loan forgiveness programs
Depending on the degree you earned and your field of study you can have a job that helps you with school loan forgiveness. Most times this applies to fields of public service, government, education, and medicine. Perhaps you need to do some research or look for what is available in your field, what you would find out could help you prevent yourself from amassing any more debt.
4. Make extra payments
Maybe you need to pay more and protect future payments. You may need to verify how your payments are being applied. When you make payments greater than your balance due, your lender could apply the extra money to fees and interest.
There are income-based repayment programs, which can help you make payments that will be suitable for your budget until you can make extra money. Try to contact your lender to see what plans could be appropriate for you.
5. Changing your consigner
It may have been necessary to have a consigner when you were taking a private student loan to reduce the lender’s risk. But what if the consigner passes away later? It is always important to find a way the consigner can be released from the loan to prevent serious financial consequences in the long run.
You may have heard of Zerobound, but this platform connects those with loans with organizations to volunteer for, sponsors and funds to help pay off student loans. There are other programs which have the same objectives such as the Peace Corps or AmeriCorps where you can volunteer and address your loan needs.
7. Finding a suitable payment plan
Have a plan that could be suitable for you. Sometimes after a grace period it is difficult for you to afford what student loan payment you have to make. You have to consider the interest costs of any repayment you are presented with. Perhaps it may be a better option for you to reduce the period you have to make a payment so that you avoid the long-term costs.
Even when you are burdened by your loans and aren’t able to pay them off quicker,
8. Not paying at all
Paying your student loans is important. While something unexpected could happen or you still dealing with unfortunate situations, not paying your student loan bill could have serious consequences. Rather than shy away from paying your loans, contact your lender and try to work out a different payment plan so you can reach your target of paying your student loans.
The average graduate has more than $34, 000 in student loan debt. While college can be a tough four years, it can be a more significant challenge for a student after graduation when you have to pay back your student loans.
Rather than let the idea scare you, it is essential to apply the solid strategies that are listed above for paying your student off as quickly as possible. Talk your lender, be informed about the student loans’ interest rates and the terms.
Life with student debt can be stressful; there is nothing cool about hundreds of dollars being thrown out the window. However you should look at the bright side, such debts can help you to learn to budget, live below your means and turn things around to build a solid credit history. Also look at the fact that you have an education now and there are great things ahead for you.
In an ideal world, we could all look hot for cheap. With the price of trendy clothes, skincare items, and makeup products going up and up and up, trying not to look like a potato costs more than ever! Often it feels like we ladies have to choose between looking less than our best or going broke.
What if I told you there are ways to save money and still glow up? No longer will you have to use 17 filters on your Insta photos to look good until payday rolls around. I’ve got hacks anyone can do! Keep reading for my top 7 ways to look good on a budget.
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7. Get Your Hair Done By Students
One of the most tried-and-true ways to look hot for cheap is letting cosmetology students cut your hair. This gives the students practice on real customers and you an amazing deal on salon services!
But there’s a catch.
Because students are still new, they haven’t had a lot of experience. That’s why they’re practicing! They definitely know their stuff because they just learned it, but this probably isn’t the time to go for a whole new look. Unless you’re cool with a potentially wonky dye job or lopsided bangs, stick to student salons when you need a trim in between cuts.
It might sound scary at first, but don’t fret. These stylists have gone through hours of training and their instructors are always nearby to offer assistance. As long as you know exactly what you want and aren’t afraid to communicate with your stylist, this hack can save you tons of money.
6. Use A Groupon
I don’t know about you, but just because I’m on a budget doesn’t mean I want crappy service. Sure, I don’t want to spend a fortune on my beauty services but I also don’t want to go to a shady salon. I mean, who doesn’t want to feel a little bougie now and then?
For those who want to try top-notch spa and salon services without spending their whole paychecks, Groupon is the perfect solution. You get to experience massages, haircuts, manicures, and so much more for a fraction of the cost. Many places even offer multi-packs, which are great for keeping up with your “lewk” or for a pampering day out with your bestie.
Don’t worry, finding the right Groupon for you won’t take lots of research, either. Just type in your city, go to the “Beauty & Spas” section, and click on the specific category of service you want. Groupon has sweet deals on everything from tanning to blowouts to brows!
Credit: kaleido-dp via Pixabay
5. Shop At A Beauty Supply Store
Here’s the thing.
Makeup and hair products are not cheap. I’m not trying to diss drugstore brands because quite honestly, that’s mostly what I use, but let’s be real: they aren’t always the best quality. If you want high-quality beauty items, you have to be willing to shell out for them.
But what if I told you there was a place with a huge selection of amazing products for hella low prices?
Sally Beauty offers all the fun stuff you find in spas and beauty salons for reasonable prices. Originally for cosmetologists only, Sally Beauty is now open to the public so everyone can cash in on the deals. Whether you want a hard-to-find color of hair dye, a unique shade of nail polish, or just want a giant bottle of shampoo, you can find it here.
This store is perfect for when you run out of a product recommended for you by your stylist but don’t want to spend those crazy high salon prices again. Sally Beauty carries brands like OPI, Ion, and Rusk, so you know this place is legit.
If you want a whole new wardrobe (or beauty collection) for zero dollars, a swap party is the perfect solution. This fun event lets you and your girls get to revamp your closets, all for basically no money! So how exactly does this work?
Swap parties couldn’t be easier. First, pick a theme. Decide if you want to swap clothes or beauty items. If you go with a beauty theme, be sure to specify that products should be unused or things that don’t touch your body (like perfume or lotion). That way you guys will be spreading love, not germs!
On the day of the party, each guest brings a set number of goodies that have had their run in her life but are still super cool. Line up everything on a rack or table and get to “shopping!” Give each lady a ticket for each item she brought that she can exchange for a new-to-her thing from the group. This keeps people from getting too greedy and stealing all the fun stuff!
Most importantly, don’t forget the wine! If you end up with items that nobody wants (including the people who brought them), consider donating or recycling them. Swap parties are a fun and unique way to hang out with your friends, let you look hot for cheap, and are awesome for the environment.
Want to know more about organizing a swap party with your gal pals? Check out the video below.
How To Host A Clothing Swap Party - Girls Night Out! - YouTube
3. Try Some DIYs
Feeling crafty? Break out the hot glue gun and sewing machine, because they can do wonders! We all want to follow the latest trends, but not everyone has the budget for a whole new wardrobe 4 times a year. I know I don’t! That’s where DIY projects can help you look hot for cheap.
If you’re the artsy type, you can essentially create a brand new closet full of clothes for yourself. Head to the thrift store or even your own closet and get creative! Suddenly those raggedy old jeans are sexy cut-offs and those boring t-shirts are a flowy skirt.
DIY works extra well with accessories. Handmade jewelry always looks so pretty and unique! With just a few supplies from your local craft store and a little bit of time, you can have a bunch of new pieces no one else has. And it costs a heck of a lot less than buying new accessories from the store!
When you see a trend you love but can’t find it in your price range, just make it for yourself! One of my high school friends did this and people constantly asked where she got her clothes from. Who knows, you could even turn clothes-flipping or jewelry-making into a side hustle!
2. Get Minimal
If you’re a bit of a beauty junkie, you’re going to hate me for this one. As every woman knows, being female in this day and age is hella costly. We’re expected to have nice clothes, a sexy scent, perfect hair, flawless skin, no hair on our bodies, and cool-looking makeup. That all adds up!
One way to look hot for cheap is to cut down on the number of beauty products you use. Now obviously there are things you just won’t want to cut out like deodorant, razors, shampoo, and other essentials. Take a look through your stash and think about what you really need.
Is it truly necessary to have a different primer for your eyelids and face? Do you really need both setting powder and setting spray? How many of your hair products do you really use day-to-day? Any products that you decide you can live without don’t need to be bought again when they run out.
This tip is kind of a long-game hack but will be worth it in time. The fewer things you have to buy week after week when the container is empty, the fuller your wallet will stay.
You can also apply this to your wardrobe. If you don’t go out much, you probably don’t need to keep buying new party outfits. Or if you work in a casual office, stop spending your money on expensive businesswear.
Credit: marvorel via Pixabay
1. Eat A Healthy Diet
Groceries are a heck of a lot cheaper than glamourous skincare products. Tons of studies show that a healthy diet can help you glow from the inside out. According to Good, filling your plate with the right balance of foods is key to feeling and looking amazing. While it’s important to eat a varied diet, here are some of the yummy stuff they suggest:
Tomatoes. They have antioxidants like vitamins C and A, which brighten skin, boost your immune system, and help maintain healthy eyes.
Green tea. This drink counts fighting cancer and slowing skin aging among its health benefits.
Broccoli. This veggie’s anti-inflammatory properties help with ailments from sun damaged skin to heart disease.
Salmon. Its omega-3 fatty acids keep skin looking supple and boost cognitive function.
Extra-Virgin olive oil. Cook with it to lower your cholesterol and strengthens skin, hair, and nails.
Dark leafy greens. These contain vitamin E to protect your skin from free radical damage.
Walnuts. Go nuts for their good fats, which reduce inflammation and keep your skin looking young.
Blueberries. Packed with a slew of antioxidants and very few calories, these fruits protect your body from disease and signs of aging.
Dark chocolate. You read that right! This decadent treat can shield your skin from UV damage.
Avocados. Your avo toast is full of vitamins and good fats, keeping your hair, skin, and nails shiny and strong.
What if I can’t/don’t have time to cook healthy meals?
Vegin’ Out helps vegans stick to their diet even on the busiest of days. Each week, subscribers to this meal delivery service receive three yummy entrees, four healthy sides, some hearty soup, and a few cookies to round it all out. If you live with a partner or roommate, you can even get a double order to ensure you have enough to eat. From salads and pasta to meat substitutes, Vegin’ Out is the perfect way to experiment with going meatless.
If you’re not trying to become a full-time plant-eater, perhaps Plated is more your style. This service sends you everything you need to make delicious and nutritious meals each week. You get pre-portioned ingredients and recipe cards to guide you. Plated works well for those who want to try healthy foods without having to buy a bunch of random ingredients. Plus you get to hone those cooking skills!
Sometimes it seems impossible to look hot for cheap. Everything we ladies need costs a bundle! That’s why I’ve compiled this list of awesome tips for you to use. Whether you want to try your hand at DIY or get a natural glow by eating right, you are sure to find a hack on this list that you love.
My suggestion is to combine a few of the ideas from this list. That way you get maximum savings and maximum sexiness. There is nothing wrong with being thrifty, especially if it helps you look like the glam goddess you are inside!
Which of my money-saving tips was your favorite? Have you ever made a cool DIY item for yourself to wear? What’s the best deal you ever found at a beauty supply store? How do you look hot for cheap? Let us know in the comments below!
Easy and frugal DIY ideas can be hard to find, especially for self-proclaimed non-crafty people like me. When it comes to DIYs and crafting, I wish I could say I was more skilled. I save tons of adorable seasonal crafts and decor inspiration to my Pinterest boards but rarely get around to actually making any of them. The reasons: time and money.
Though I love creating, I’m actually not very artistic when it comes to execution of projects, so I rarely want to spend multiple hours and lots of money on something that will probably turn out wonky. Thankfully, there are crafty bloggers out there who get me.
Keep reading to learn more about all 13 easy-to-make DIY projects!
1. How To Make Tassel Trim Pillows…The Easy Way
Tassel details have become quite the trend in home decor. Now you can bring this fun and colorful look into your house without dropping a ton of money! Your house will be Instagram-worthy and all your friends will be asking where you got your pillows.
All you need is a pillow, a needle and thread, a hot glue gun, and some tassel garland to make these magazine-worthy home accessories. If you want to work on your sewing skills, try your hand at this DIY. You can practice a few stitches without having to sew an entire huge project.
In case you don’t know, chalk paint is a favorite of DIY queens. It has a super durable formula and dries with a matte finish, making it ideal for rustic-looking crafts. You can make it yourself or buy chalk paint at most craft and hardware stores in an array of color.
Just apply a few layers of chalk paint to the outside of the jar, then sand it if you want a distressed appearance. Then add your favorite flowers, plants, pencils, or even cooking utensils for instant, stylish organization.
These jars would also make cute centerpieces for a shabby chic wedding, baby shower, or bridal shower. Use upcycled jars and you have super inexpensive decor pieces that look amazing!
3. How to Make Photo Magnets: An Easy & Inexpensive DIY!
These cute magnets are some of my favorite frugal DIY ideas on this list. I love decorating my refrigerator with magnets and collect them from my travels. But store-bought magnets can get expensive and aren’t as unique as these creations!
This craft puts all those stellar Insta shots to good use and is pretty darn easy to make. Simply arrange the pics you want to print into a grid and print them out on photo paper. Stick to a sheet of adhesive magnet paper, cut into squares, and voila! Your favorite photos are now displayed for all to see without making any nail holes in the walls.
The best part?
You could even use this idea for one-of-a-kind holiday cards, birthday party invitations, or save-the-dates! You won’t have to worry about the recipients losing their card when they can stick it right on their fridge.
Want a quick project that will look cute indoors or out? You can make this sweet flower pot craft in under an hour and with very few (very cheap) supplies.
All you need is some black chalkboard paint and either colorful paint or paint markers. That’s it! When you’re on a budget like me, not having to buy a bunch of random craft supplies is a major win.
These are so simple to make, you’ll want to create one for every season and holiday! You could paint flowers for spring or snowflakes for winter. Plus you can personalize the pot with a chalk message. So cute!
If you’re like me and have no sewing skills, you’re not automatically out of the crafting game! This pretty throw pillow will give even the grungiest couch a touch of class, and it requires zero sewing. Just whip out that hot glue gun and you’re good to go.
Don’t like the country feel of burlap? Try making this project with a different fabric (think denim or corduroy) instead. If you can glue it, you can use it to make a fun pillow! To save even more money on this DIY, search through the scrap bin at your local craft store to find cute fabric at a huge discount.
One of the most fun parts of crafting is making something out of something else. Also known as upcycling, this process can turn a rusty old antique store find into a unique decor piece. Upcycling is one of the best forms of frugal DIY ideas!
This simple project transforms an old wooden tray into a pretty and practical decor item. With a little paint and a drawer handle, a piece of junk becomes a functional display piece!
If you’re the kind of gal who wants to experiment with power tools, this DIY is for you. With sawdust, screwdrivers, and drilling involved, this isn’t a project for your typical prim and proper craft room. You can really get your hands dirty with this one!
Equal parts rustic and chic, this door hanger looks complicated but is stupid easy to make. Just hot glue some floral foam into the hanger’s opening, pop your favorite artificial flowers and greenery in there, and hang! Using a pre-bought hanger makes this one of the simplest of the frugal DIY ideas on this list.
But there’s a catch.
If you’re on a super strict budget, this might not be the craft for you. Purchasing a metal door hanger, plus a variety of flowers and foam can add up fast.
But if you can afford it, this DIY will really brighten up your home! Because this project uses artificial flowers, you can hang your pretty creation inside or out for a touch of color all year round. Just change out your flowers for a seasonal look!
Another awesome upcycling project, these pincushions are both fun and functional. Made from scraps of fabric and any old photo frame, these will help you utilize all of those fun antique store or garage sale finds.
Even if you don’t sew, you could use them to display your fun pin collection or just as handmade art. Whether you hang your cushions on the wall or set them on a table, they’ll add a cute, shabby chic vibe to any room.
These pretty pin cushions would make a cute gift, especially for moms, grandmas, or aunts. They look so pretty and your family member will love that you made the present yourself. Plus making gifts yourself can save you mega dollars!
9. DIY Oogie Boogie Inspired Trick or Treat Bags Perfect for MNSSHP | #DIY #Halloween #Disney
I don’t want to play favorites amongst all these amazing frugal DIY ideas, but these spooky bags have stolen my heart! Inspired by the Oogie Boogie, the villain from The Nightmare Before Christmas, these easy-to-make sacks have so many possible uses.
They are the perfect size for trick-or-treating and..
Being healthy and fit is the goal of most people, but the couch does not make it possible for most people. Yes, couch or lack of physical activities makes a person lethargic and also makes it easy to put on weight. If you have continued the sedentary lifestyle for a while, you will notice damages to your body.
It is good to take drastic steps and start your pursuit towards losing weight to be healthy again. But how will you do that? Well, one of the best ways to do this is by following an Indian weight loss diet chart. A weight loss diet chart will help you with your endeavors to lose weight and get back to your fitter self again. Here are some reasons you need to go for an Indian weight loss diet chart.
Credit: The Fit Indian
Do weight loss diet chart help?
Well, you will be glad to know that these do help you in your endeavor to lose weight. All that you need to do is to follow a pattern, and you will be able to lose weight. There are several types of research conducted in this regard to find out whether eating healthy can make a person fit again. Most of the studies show that when a weight loss diet chart is combined with the proper exercises, there are increased chances of losing weight and getting back to the fitter self.
Healthy intake of food
What goes in comes out and reflects on your body, and so if you eat healthy food it will make you healthy, but if you eat food without proper proportion, then that will make you unhealthy again. It not only helps you to lose weight but also provides the needed healthy nourishments to your body and makes it strong from the inside.
Improves your metabolism
An Indian weight loss diet helps you improve your metabolism as well. As a result, whatever you eat is not simply converted and stored as fat but is burnt by the body. If your metabolism is strong, it will also help you get back the healthy organs that you need for your smooth body functions. Improving metabolism is a process that will take some time and so fast and best Indian healthy weight loss diet plan for women and men will help you get results for a long term.
Sustainable weight loss
You have put on the weight over a period of years due to your sedentary lifestyle, but then how do you ensure that this weight is lost? Well, an excellent Indian weight loss diet will help you to get sustainable results in your endeavors. If you lose a lot of weight all of a sudden, then this is also not good for the body. So a proper diet chart will help you lose weight in time. However, you will need to make sure that you consistently put forth efforts for the same.
What is involved in Indian weight loss diet?
When you look for weight loss diet, you will come across a wide range of options. It is best to choose the diet that you can follow. If you are living in India and trying to find some exclusive food items exported from other countries, someday you will get tired because of nonavailability, the cost, and so on. However, if you choose an Indian weight loss diet, you will find all the items with the great east, and these are also well within your budget for sure. So your weight loss is not expensive but an affordable affair. Here are some of the tips to follow:
Make sure that you drink enough water because in most cases thirst is masked as hunger by the body. As you feel hungry one of the best ways might be to drink plenty of water. This is one effective way to fill your stomach up and prevent from gorging later on.
Go for super foods because these are known to be helpful in your goal of weight loss. Superfoods are nothing but concentrated nutrients from foods. Some of the nutrient-rich food items are fiber-rich foods, millets, seeds, certain grass varieties, and so on. Consume these foods items as recommended by experts for fast and best Indian healthy weight loss diet plan chart for women and men.
Why not take an early small lunch? Well, it could be as simple as consuming chewy soups or salads. With this included in your meal plan, you will be less inclined to eat roti or rice.
Ensure that you take enough amount of protein in your weight loss diet. If there is no protein in your diet, you will lack the essentials that can help you convert your food intake into energy.
Credit: The Fit Indian
Many health benefits with Indian weight loss diet
A healthy and well-balanced diet will not only help you lose weight but will also provide you with numerous health benefits. For example, if you go for a healthy weight loss diet, it will help you promote weight and also receive some benefits. A low rate of heart disease, low cholesterol, lower blood pressure and so on are some of the other benefits of an Indian weight loss diet. The Indian food items such as vegetables and several fruits also contain a lot of nutrients that will benefit you in the long run.
So when it comes to choosing the best for your health, it is wise to only go for something that you will love to follow in the long run. There are several benefits of Indian weight loss diet, but the only important thing to remember is to manage your diet and exercise well. It is a combination of workout and a good intake of food that will help you to reduce weight and become fit again. As you start your journey towards weight loss, you may fail to follow your diet plan in the initial stage but make sure that you never give up and keep trying.
Your skin always deserves attention, even when you are traveling, but you should know that the skin acts differently during traveling and vacations when compared to how it acts when you are home. This is because merely traveling changes your natural rhythm. It brings changes to your diet, you get exposed to the elements and forget to hydrate regularly.
This doesn’t automatically have to mean that you will end up with worse skin. Make sure to follow the list of tips we have compiled for you to keep your skin soft and healthy.
Start the Vacation Prepared
You are the one who knows your skin best, so you already have an idea of how your skin will react to travel and the climate in your target destination. The common thing many travelers need is some skin moisturizer because during travel all of us tend to drink far less water. As well as airplanes tend to dry out our skin due to the air pressure.
In any case, make sure to check your cabinet before packing and see if there is enough of each product you want to bring to last you until the end. Trying to purchase skin products that work best for you while abroad can be very difficult and incredibly expensive. This is why restocking prior is a far better option.
Don’t get lazy and rely on Duty-Free to purchase your skin care products, have them ready to go with you in your bags.
Treat Your Skin Before Traveling
To start your travels prepared, you have to give your skin one last epic treatment before hitting the road. Especially if you are visiting a place with a dry or windy climate. To get the best results, you should do this a few days before your vacation. Nothing too complicated.
This treatment should include gentle exfoliation, followed by your favorite hydrating mask. Starting your vacation with healthy and glowing skin is essential. This specifically applies to those of you with oily skin. Why? Because the effects of the travel can easily cause your skin to overreact.
Don’t Forget your Sunscreen
UVA rays can damage your gentle facial skin. Some of the skin experts even advise putting it on during the flight. You can be the judge of that, but if you are traveling on a cruise ship, or visiting the Dead Sea Premier recommended by Tripadvisor– sunscreens are a must-have, and other forms of sun protection are encouraged.
A good sunscreen will not only protect your skin from UVA rays, but it will also hydrate it. Don’t forget your lip balm! Often our lips slip under our radar and suffer burns, cracking and dryness. Your lips are also exposed to the elements, and they require proper care. Make sure you always have a lip balm with you to keep your lips looking healthy. Purchasing a lip balm with SPF would be a bonus!
Don’t Put Too Much Makeup On
Makeup can quickly become your enemy while you travel. Why? Because makeup fills in the pores in our skin. This prevents the skin from breathing, and it can also lead to an excessive amount of microorganisms building up in the pores. Irregular hydration already makes the skin dry, and foundations for makeup will cause it to dry out even more.
If you have to wear your makeup, we advise you to put it on before arriving at your destination instead of wearing it throughout the entire trip. This is why it is handy to bring a cleanser and moisturizer in your hand luggage. Feel free to watch Premier Dead Sea reviews by Niki Murphy, a company offering fantastic skin moisturizing products that you can comfortably fit in a bag when you are traveling.
Dryness is your Worst Enemy
The main problem you have to address when traveling is possible skin dryness, especially if you are traveling by plane because the air in planes tends to be too dry. Don’t worry; you can quickly overcome it. All you need are two things: a moisturizer and refreshing mist.
Your regular moisturizer will probably do the trick, but if you are going to travel in extremely hot, dry or windy conditions, we urge you to consider any of the oil moisturizers. Merely because they penetrate deep into your skin, keeping it hydrated over more extended periods of time. Refreshing mists are a good option for several reasons.
First, they are small and handy. Second, they’re great moisturizers. And, lastly, they pack a severe antioxidant kick to keep your skin healthy even in extreme conditions.
Time to Travel
In the end, let us remind you that organization is key. Invest in ensuring your toiletry bag has all your essentials before departure. Help keep your skin to stay glowing and healthy not only by using skin care products but also by staying on a healthy diet even while traveling. And of course, make sure to drink enough water. If you follow each of these tips, your skin will look amazing, and you will feel wonderful on your travels, leaving you prepared for wherever they may take you.
Thinking about the future is something that crosses the mind of all millennials. We wonder who will we be when we grow up (which in all honesty is a question I will be asking myself way after I become an adult), what are our big kid goals, and who will still be in our lives to see the process. I personally am one that constantly thinks about my future and the ways in which my actions today will affect my tomorrow.
And sometime in that thinking, we can be very harsh to ourselves. These thoughts now are only guaranteed to affect our future. So what could be done to ensure you are nicer to your future self now? Just sit and hope for the best? No!
There are many steps you can take now to be nicer to your future self, ultimately ensuring a much more successful future! So stick with me here and check out these tips on how to be nicer to your future self now.
**This article contains affiliate links, and we will be compensated for any purchase made by clicking on them. Thank you for supporting Miss Millennia Magazine!**
Learn from the Past
I am a big believer that any and every occasion or person was put in your life for a purpose. Whether it is a success or a failure, that situation occurred so that you could learn from it. Take notes from your past and see what went wrong and how this has helped morphed you into the person that you are. Not all lessons from the past are going to be a positive one but I can guarantee that they will benefit you in the long run.
This is one of the most important lessons. I used to hate when people would say that no one would ever love you unless you loved yourself. I thought this to be a lie because obviously in all movies, the guy would make the girl see how wonderful she was and then she would come to love herself.
Here’s the deal.
Life is 10,000% not like the movies. You do need to know yourself and what you want before you could ever expect someone else to understand. Now I know you may be thinking, “yeah, of course, I know life is not like the movies.” But sometimes your soul may still not be getting the message. I could say out loud that life is not like the movies but there was always this niggling hope in the back of my mind that things would work out that way.
That is not the case! You have to be at peace with yourself before you could find someone else. Hell, putting relationships aside, you must come to love yourself because you are stuck with you for the rest of your life. I know that self-love is most definitely easier said than done, but you are pretty great and deserve love from everyone, including yourself.
But honestly not to even make this about relationships, loving yourself is the best and most effective way to be nicer to your future self. So what steps can you take to ensure you are loving on yourself? Practice self-care, take yourself to the movies, meditate a bit. Find activities that encourage you to deeply reflect and learn more about yourself.
Guy Winch, psychologist, and TEDx presenter, look at self-care as more of practicing good emotional hygiene. “We’ll go to the doctor when we feel flu-ish or a nagging pain. So why don’t we see a health professional when we feel emotional pain: guilt, loss, loneliness? Too many of us deal with common psychological-health issues on our own, says Guy Winch. But we don’t have to. He makes a compelling case to practice emotional hygiene — taking care of our emotions, our minds, with the same diligence we take care of our bodies” (TED).
Check out his TED Talk called “Why We All Need To Practice Emotional First Aid”
You must be in tune with your body and take care of it because your body is your transportation, if it does not work, you do not work. This is not like Stephanie Meyer’s The Host where you can suck out your soul and put it into a new body. You must take the necessary precautions to ensure that you are able to live a long life.
I once did a challenge with a close friend of mine to go on a sort of 30 day cleanse. We had to stop drinking alcohol during those 30 days and work out at least once a day. We did not set a time limit to how long the workout had to be but had to commit to do something. It is the little steps like this that help leads to big results. I can honestly say I felt more refreshed at the end of the 30 days.
Now if you are looking for a different type of mind-body connection, you can always give yoga or meditation a shot. Both can do such wonders! Plus there are so many websites that can provide you with helpful courses at any time and any place.
One of my favorites is Yoga Download because you can access thousands of yoga classes based on your skill level from anywhere you are. You could take a quick course during your lunch break or at home after dinner. Whenever is best for you, Yoga Download is there to help and provide with ultimate Zen. So you have an array of options on how you want to find that mind-body connection.
Whichever you choose, both will help you, in the long run, to be nicer to your future self now
Always, always, always educate yourself. There are so many ways to access information and to continuously educate ourselves every day, whether this is going to school, TED Talks (like the one above), or even taking Groupon classes (Yeah, Groupon offers some online classes!). Their classes can range for a whole array of different courses. Whether it is philosophy, enhancing relationship skills or woodworking, Groupon has a whole host of course.
Our mind is one freedom that can never be taken away from us and is beneficial in all walks of life. Through learning, you can travel the world, learn about others’ lives, or travel throughout time. Out of all of my tips, I stress this one the most because claiming an education can lead us to become a better world.
Personal SWOT Analysis
A SWOT analysis is typically a term applied to business or big events, but your life is one big event! For those of you who do not know, SWOT stands for Strengths, Weaknesses, Opportunities, and Threats.
How can I use this?
I occasionally like to take a personal inventory of my life and when doing so, I use this. What are the strengths in my life? Do I really have things going for me? What is working?
Then I have to look at the opposite end. What is not working out so well? What needs to be eliminated? Sometimes this could mean a personal habit or a relationship.
Then we move to the opportunities. What could I utilize in my life to make it better? Maybe I could turn a volunteer opportunity into a future internship.
Finally, there are the threats. What am I doing that can threaten my success? For me, this would be my procrastination in school work.
I know this seems like such a silly analysis to do for your personal life but I promise you it works. Just like we talked about before with the taking time to reflect on your life, this SWOT analysis can help with that.
Sometimes it helps to break our lives down to the nitty-gritty details so we can continue to better ourselves. So pull out a piece of paper, or in my case a conference size sticky note, and take the time to do your personal SWOT analysis. This is one simple step to take to being nicer to your future self today.
Death to Stock Photos
Check Your Crew
Look at the people around you. These are the ones that will heavily influence you and either helps you become a better person or a terrible one. In order to be nicer to yourself, you have to work on those around you who will constantly boost you up and put you in your place when you need it. But not just that.
That’s not all.
You also need people around you that challenge your ideas and make you consider different perspectives. This way you can only continue to grow versus remaining the same.
As I said in the first point, each person is put into your life for a reason and you can gain a lesson from each of them. However, with that said, you do not necessarily need to keep them permanently in your life if they do more harm than good. You will know which ones are worth keeping and which are just passing through.
If you feel you are not able to tell which are which, just stop and see how your life is doing now. Are there certain people that are influencing you negatively? Well, those are the ones that need to go. You need to learn from your past.
So there will be nothing to learn from if you remain the same. The ones that are there to stay though are the ones who can help you. These people can also help you work towards your self-love. They should push you to be better and achieve great things in life.
Make some big kid goals. You know, the ones back in the day when you would imagine yourself having a house made of candy when you became a big kid (was that just me?). Obviously, you should try and modify them to something that is realistic, but it is so crucial and beneficial to have goals that you can work towards every day.
Plan them out to be your 5 years, 10 years, or 15-year plans so that you can realistically hold yourself accountable to a date and plan. After I graduated from graduate school, it was my 5-year plan to live in Scotland for a while. While I did not live in Scotland, I did live in Ireland for a while! Seemed like a nice compromise.
With that said, make goals but be open to altering them a bit. As long as they still take you in a direction you want to go. So take the time to think about what your big kid goals are.
There is never a finish line….
You need to remember that you are an ongoing process, there is never a finish line. Every day you must take the small steps to continue bettering yourself and setting yourself up for a better future. This obviously takes work, but just try to address these steps day by day to come to a place where you are nicer to your future self. Sooner rather than later you will come to love and appreciate yourself more.
**This article contains affiliate links, and we will be compensated for any purchase made by clicking on them. Thank you for supporting Miss Millennia Magazine!**
Lol lol lol. That used to be my response when people would ask how you can date when you have a busy life. There does not even seem to be a real option. If you are a busy person, that probably means you have zero to little time for personal things let alone dating. Is it all about getting the necessary things done and getting out right? Wrong! Of course, you can have a dating life even if you are a busy person. There is no need to think you will live a lonely life. Just like with everything else in your hectic schedule, you have to be strategic with your dating life. So have no worries! Here is how you can dominate dating when you live a busy life.
*This article contains referral links, and we will be compensated for any purchase made by clicking on them.*
As I was saying before, dating while having a busy life can be simple. You just need to be strategic about it. Make it like any of your other plans and that way you can have it all! So first you want to
Choose to Prioritize
The first thing you have to do when you decide to start dating with a busy life is prioritize. That is right. Prioritize the idea of dating in your mind.
We always say were too busy but if this is something important to you then you need to give it space in your life. Starting saying to yourself that you do have time and will make time to date otherwise you will always think there is no time. “Make a conscious decision that this is a priority in your life…otherwise you will always put it off until next week, or next month” (Verily). By thinking it, you will be able to speak it into existence.
Verily goes on to say that a great way to do this is “to ask a friend to hold you accountable. Tell your friends about your decision to prioritize dating and maybe even enlist her (or them) as a wingman at social events or as your Wednesday night online dating buddy—open a bottle of wine and respond to those unopened greetings from the mysterious men in your inbox” (Verily). So telling your friends will help hold you to prioritizing your love life. Because who besides you would want to see you happy? Your friends!
Aside from having your friends hold you accountable, you just have to genuinely want it. Dr. Jessica O’Reilly said it best that “we can all rearrange schedules for things that we really want. If Oprah called you tomorrow and asked you to lunch, you’re probably going to find a way to make it work” (Refinery29).
This is so true! Be true to yourself that this is something you want and are willing to be flexible and having your schedule rearranged at times.
Create Your Own Dating Standards
Creating your own dating standards might be one of the most important to dating when you live a busy life. Aside from making it a priority, you have to be willing to create your own dating standards.
So often we take what we see in the movies, on television, or hear from our friends as to how dating should go. What works for fictional characters or your friends does not have to work for you. Each person is different to the dating approach. When you think of it like this, you are able to see so much time freed up.
Maybe you do not have time to do the whole dinner and a movie. Nix it! Go grocery shopping together, just grab a coffee, do something that fits more into both of your time schedules.
Dr. O’Reilly goes on to add that you have to really define the term “date” to what it means for you. “You don’t necessarily have to meet for dinner. Dating has shifted to ‘hanging out,’ so you can meet for a quick, simple coffee instead” (Refinery29). Once again she is right on the money! “
If you and your potential S.O. work near one another, you can try to leave the office for an hour to get to know one another” (Refinery29). See! This does not take up too much time and allows you a chance to connect with someone potentially great. It is all about strategizing.
Now if something like this does not work for you and you do not want to meet a date near your job or dating for you is not just hanging out, Dr. Dawn Michael provides a different solution. “The easiest way to open yourself up is to build in time that you make no plans. You might consider keeping one night a week free as your ‘date night’ — and if you don’t happen to have a hangout planned that night, just take the evening to spend some time decompressing solo” (Refinery29).
So whether you have a date that night or not, it ends up a win-win. You can either focus on meeting someone new or having some unwinding time.
Don’t Worry About the Risks
That heading sounds a little sketchy, huh? Well, stick with me here.
A common option for dating when you have a live a busy life is online dating. It is quick, can be done from anywhere, and can often time help you wheedle out duds before meeting them. This cuts down on time and still puts yourself out there.
If you are dating and live a busy life, I am betting you have already tried (or are trying) online dating at the moment. That is good and I fully support that as a smart option. Online dating sites like Match.comandeHarmony are like beacons for the busy individual.
Well, a common fear for those that have not tried online dating is the fear of someone seeing their profile. What if someone from my office sees this or some old friends? I do not want them to think I am pathetic or desperate.
Here’s the deal.
Online dating has become so normalized that if they are still having those thoughts, it is on them not you. Plus, what is wrong with you trying to find happiness? You are actively taking control of your dating life and have made the decision to be happy. You are just approaching dating through a format that best works for you. Absolutely nothing wrong with that.
Also, if they see your picture on a dating site, keep in mind they are on there as well. Now with that said “you may want to rethink putting super-sexy pictures of yourself online or saying things in your profile that you would not want people at work to know about you otherwise. E.g., Killing time at the firm until Prince Charming comes along!” (Corporette). This example Corporette gives cracks me up because who would say something like that.
But I think you get the hint that you do not want to say something that makes you seem unprofessional and could actually come back to bite you.
Talk First Before Meeting
Now when I say talk first before meeting each other, you want to find the perfect balance.
As you know, online dating has many pros and cons. A common con is that people get so wrapped up talking through electronics that they create this imaginary relationship in their mind. Or when they do meet in person it is incredibly awkward and the whole time has been a waste.
However, you also want to talk first to see if this is even someone you want to meet. While it would be nice to meet everyone we match with online, there is just not enough time. Plus, realistically you are not going to want to meet everyone. That can become such an emotional drain. So you have to find that perfect balance.
Corporette suggests talking to the prospective date on the phone for at least 15 minutes before you meet. I would agree with this. So yes, while it is still talking over some form of electronic, it is a bit different.
How can you actually use this?
Well talking on the phone forces you to speak honestly and in the moment. Texting or messaging can be so polished and over thought. You want to get a feel for who this person really is.
When you think about it, when you meet for a date you will not have time to stop and think of the best response to say. Talking on the phone puts you in the moment and gives a rough estimate of what to expect from a date. Corporette calls it “my psycho test. Go with your gut here — if you get even the slightest bad feeling from this guy, do not meet him in person” (Corporette). I would agree that this also gives you a chance to see if you get a bad vibe but also tells you if you may mesh well or not.
If you do not get a feeling from talking on the phone, then maybe you should not meet up. Once again this helps you to weed out certain people and save time.
Now I do not agree with this being a “psycho test” because not all people may not come across great on the phone but agree with the other aspects of it.
Communication, Communication, Communication
Just like with any relationship, communication is key.
You have to be ready to have open and honest communication if you are hoping for anything to work. This is especially important for dating when you live a busy life. There is no time to be beating around the bush about things and having things remain unclear. “Open and honest communication is at the heart of making a busy relationship work. Speak your thoughts and feelings before they start to fester” (Red Lipstick Project).
If you are unable to have effective and honest communication during the dating phase, how do you think things will go over when you enter a relationship. I could be wrong, but it is not like you are going to become less busy once you enter a relationship. This is an important tool needed during dating.
That’s not all.
You want to be open and honest but also keep the other person’s feelings in mind.
“By practicing kindness and consideration, dating can be a fun, meaningful experience that does not leave the other person with emotional pain and heartache. Place yourself in their position and show respect. Allow your date to know that they can trust you because of how you treat them!” (BMWK).
There are two great videos to help with communication. The first is how to speak to people with better communication skills, which can be beneficial for any situation but especially while dating when you live a busy life. The second is perfect for when you enter a relationship and can have 6 key strategies to have effective communication.
How To Have Better Communication Skills - YouTube
Relationship Advice: The Keys to Effective Communication (Coach G) - YouTube
Just because you live a busy life, it does not mean you have to end up alone. Millions of people have found a way to make it work around their hectic lives and so can you. The biggest factor is you have to prioritize your dating life and decide that you deserve the same chances as anyone else. With these key tips, you too can dominate dating when you live a busy life. I will leave you with these wise words from Forbes. This is from Forbes yall so you know it is good.
“Above all, make sure to remember that there can be no work-life balance when there’s no life at all” (Forbes).
Do you live a busy life and are trying to date? Do you have any advice not listed above? Share it below in the comments section!
While many summer cook-outs are full of creamy salads, grilled meat, and freshly-baked treats, not everyone can enjoy this traditional fare. For those of us with a special diet or food allergy, eating at holiday parties any time of year can be trying. We often get stuck with a plate full of burger toppings with our bellies grumbling. Having to eat before a party or bring your own food can feel not only embarrassing but even downright depressing. If you, like me, developed your food allergy later in life, it’s easy to associate particular party foods with memories. When you can no longer enjoy those special treats, part of the fun of the holiday can be lost. If you plan on hosting a 4th of July party this year, try some yummy new dishes to accommodate everyone on your guest list. Don’t let anyone feel lonely and left out of the celebration. Follow these tips for a delicious and allergy-friendly 4th of July party!
Apps & Snacks
No party is complete without nibbles! Keep your guests’ tummies from grumbling while you cook the mains with some delicious apps. A good old-fashioned veggie tray tastes refreshing before a heavy meal and fits with every diet. Add your favorite hummus or a dip made with dairy-free sour cream for extra flavor. Freshly made guacamole with a variety of dippers is also sure to please a hungry crowd. If you are dying to fire up your grill, serve up some smoky grilled fruit or vegetable kabobs. Think sturdy produce like pineapple and stone fruits or mushrooms, onions, and squash that won’t get too soft and fall off the skewers.
Fancy something on the sweeter side? Serve guests some fun fruit salsa. To make it, mix diced apples and grapes with pomegranate seeds, maple syrup, and lime juice for a sweet and tart treat. Don’t forget the homemade gluten-free cinnamon pita or tortilla chips for dipping! The best part about this dish is it does double duty as a healthier dessert option.
Store-bought mains like burgers, hot dogs, and fried chicken won’t cut it when you’re watching out for food allergies. Switch it up with some delicious homemade creations instead. Try making burgers out of grass-fed beef, mushrooms, or black beans. Keep it gluten-free by serving them on lettuce wraps or wheat-free buns. No one will even miss the same old tired barbecue fare!
To really make your party food stand out from the crowd, consider making pizzas from scratch. Using mashed cauliflower for the crust makes this treat gluten-free, perfect for an allergy-friendly 4th of July soiree. Top with regular or vegan cheese and your favorite fresh vegetables for a nutritious and filling entree. Though it definitely won’t fool anyone into thinking it is “real” pizza, this low-carb version will make your body feel great and let all of your guests enjoy the party spread.
Sides are one of the easiest parts of planning an allergy-friendly 4th of July meal. Nothing says summer like a fresh, crunchy salad! Toss together straight-from-the-garden ingredients like tomatoes, zucchini, bell peppers, and your favorite leafy greens for a nutritious, filling side. Craving more traditional picnic salads? Replace the mayonnaise with mashed avocado in dishes like potato or egg salad. This makes a creamy treat that is actually good for you. Don’t forget the classic corn on the cob! Boiled fresh and served with salt and pepper, this sweet summer staple fits with every diet.
Another cook-out favorite, potato chips, are often a no-go for people with food allergies. To let everyone in on the fun, whip up a batch of your own! Slice some potatoes or sweet potatoes, toss them with olive oil and your favorite herb or seasoning (think sea salt and vinegar, paprika, or lemon pepper) and bake. For an even healthier snack to crunch on, follow the same process with torn kale leaves. There is no yummier way to get your daily dose of greens.
Desserts and Drinks
Nothing tastes better in the summer than in-season fruit. Nature’s candy makes a perfectly sweet (and healthy) ending to a meal and fits into every diet. Mix up a beautiful fruit salad of strawberries, blueberries, and whipped coconut cream to fit with the red, white, and blue theme. You can even layer it in a trifle dish for an Instagram-worthy dish.
Craving something cold? Beat the July heat with homemade allergy-friendly ice cream. Try a fresh and fruity flavor or go with a more decadent chocolate concoction. Don’t have an ice cream maker? Consider this super easy vegan soft-serve instead. Just pop some frozen bananas and cocoa powder into your blender and pulse until creamy. For a healthier option, offer your family and friends homemade or store-bought fruit bars. They are just as good at helping beat the heat and give you some essential nutrients too!
No party would be complete without tasty things to sip on. If you have kids or non-drinkers at your party, mix up a batch of homemade ice-cold lemonade. Could there be a more refreshing, summery drink? Plus with just lemons, water, and sugar(or your sweetener of choice), it fits with every diet. For those who want to indulge in an adult beverage, set the celebratory mood by playing bartender. Whip up a few fancy cocktails, and your guests are sure to be impressed.
Include All Your Guests In The Fun!
Planning a big holiday party, especially the food aspect, can be stressful. This is especially true when you have loved ones with special diets. Thankfully with a little creativity and a lot of gumption (plus some help from the internet), you have tons of tasty options that let everyone in on the deliciousness. Whether you’re hosting people with gluten-free, dairy-free, nut-free, or any other special diets, give one of these new recipes a go. You might even find a new favorite dish while planning your allergy-friendly 4th of July!
With the rising mortgage interest rates, many home buyers are reluctant to purchase houses. But buying a home strictly out of your bank savings is a luxury that only a few get to enjoy. Unless you’re the likes of Mark, Bill, Warren, and The Donald, a mortgage is probably the easiest way you can buy your dream home faster. But then again, it comes with a price. You have to deal with the rates as they are the hotter the economy gets.
Well, it shouldn’t be that much of a challenging affair for you if you have a clue about what you’re up against. Applying for a loan may seem easy, but before you drop your mortgage application, there are a few crucial things you’ll want to consider to be on the greener side of the divide. Forgive the seemingly long introduction; here are some things you need to know before applying for a home loan.
Know Your Credit Score
Make no mistake about it, one of the things lenders check before deciding whether or not you’re eligible for a loan is your credit score. By checking this, they’re able to determine the chances of you paying back the mortgage. Before filling the application, it is important to know your credit score. Your credit card company or your bank should be able to allow you to check your credit score. There are also institutions known as credit reference bureaus, which mostly serve as a center point for all credit information.
As long as you have a bank account, credit card, or existing loan, the authority credit reference bureau should have your details. CRBs can provide you with not just your credit score details, but a full credit report that includes lots of more helpful information and insights. If you ever paid a loan late, defaulted payment (delinquencies), declared bankruptcy, and so on and so forth, this should appear on your credit report. Nonetheless, credit score is the most important thing. The higher your credit score is, the higher the chances that your loan application will be successful.
However, there are a number of things you can do to raise a low credit score or keep it high. First, ensure your credit report has no errors (you may have paid off a loan but it still indicates that you defaulted payment). Secondly, you can consider paying off any loan balances you owe out. This is lenders also consider the amount of your gross income going towards repaying loans. Remember that when giving you a loan, it’s a risk they’re taking, meaning that they need to be sure that you can repay their money.
Avoid Making Big Purchases
Buying an expensive car or another costly asset shortly prior to or in the midst of your home loan application can lead to a declined mortgage. Remember, you want to convince the lender that you’ll be able to pay back their money. You don’t want to appear as if you’re a big spender to them. Lenders lack faith in big spenders, unless, of course, they have really huge bank account balances. They tend to monitor your expenditure. As a matter of fact, bankers and lenders do something called credit analysis before deciding on whether to award or decline a loan. If you spend more than is coming in within a particular period of time, your chances of getting a home loan may go down. Therefore, whether you want to change your furniture or buy new appliances for your new home, consider waiting until you’ve purchased the house.
Refrain from Switching Of Jobs
A new job is always exciting, but you should be careful that it doesn’t disqualify you from getting the loan. That job or profession that you’ve been in for several years can act as a solid source of income, which bankers love very much. It may not act as collateral, but it can at least show them that your income is assured. Avoid switching of jobs weeks before meeting with the lender, or else, you may not even have the pay slip to convince them of how you are going to repay the loan.
Do Your Research on Lenders
It goes without saying, different lenders charge different interests. Be sure to conduct proper research and compare the ones available in your area before settling on one of them. And in addition to the interest rates, other factors you’ll want to consider include the loan term (duration of payment), the down payment amount needed, requirements, processing fees, late payment fees, and involved penalties, etc. Just like the alphabet, the lender’s experience, reputation, and customer service quality are never to be forgotten.
Prepare Your Paperwork
No lender will lend you money without seeing your paperwork. Organize your bank statements, payslips, tax returns, credit card details, and any other relevant documents. In most cases, lenders will tell you the documents they need from you. To whether or not you’re eligible for a home loan, you must present your paperwork to the lender for scrutiny. Ensure that you have everything in order before applying for the loan to prevent disappointments.
However, it’s even more important to speak to a professional before taking the big step. Once you have information and you are organized, getting and repaying the loan will not be challenging.
But what about if you’re at your worst financial times and you can’t raise the down payment amount required for your home loan? What if you get your home loan, but you realize you need more cash to keep you or your business going? In such a case, you may want to visit a lender that provides softer, sometimes unsecured loans such as title loans. Some companies will even consider clients who have bad credit.