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Actionable saving tips for everyone at any age.


Learn how to make your money work for you.


A sound mind in a healthy body gives you wealth.


Stay in style without breaking the bank.


Take trips and get refreshed while staying on the budget.


Stay motivated – live and love to the fullest.

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Been in the blogosphere for a decade and I love writing about fashion, beauty, budgeting, money, and everything else about lifestyle. This is where you'll find things that makes me happy and practical stuff to help you in everyday living.







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How to 100% Speed Up The Success of Your Clothing Business

Posted by Peyton Miller on August 11, 2018

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Category: Lifestyle

With all the clothing businesses rising, it is quite difficult for the newly launched clothing line to cross over within a short period of time. In the arena of financial competition, one must build an exotic technique for the business to bloom. Keep scrolling and read until the end to find out what these secrets are.

If you wish to know the secret of how to speed up the process of success in your clothing business, think about three things: Designs, Availability, and Sizes. That’s it. You might feel a bit bewildered as to how simple and obvious may it seem but those three mentioned above are fundamental and are the keys to the doors of prosperity.

Your business must have it all. Consider the fact the people do not like putting much effort into going to different malls just to get their desired full outfit. Well, we cannot avoid that there are instances wherein others are not satisfied with the designs or their size is not available and that is something you don’t want to happen in your case. That is why every clothing business line needs to have a signature design per different occasions.

Let’s take an example of a shirt. Start with the color of the shirt, starting from colors white to different shades of every color and then jump into designs and to the sizes. Be specific about producing the range of the sizes of your clothing product to suit different types of body structures.

Make the customer feel satisfied and confident about your product by giving them the best that your business can offer. Don’t be generic, instead be specific and flexible. Being flexible means a lot in this field. By becoming so, you will be able to attract not only a single type of person but the whole heart of the population.

Stamp this into your mind and digest these simple yet the most vital tips for your business to generate abundant career and become recognizable to the audience. You will be stunned to witness how your sales agilely increased within a year or possibly a month.

How to Combine Loan And Fashion in Making a Business?

Posted by Peyton Miller on July 11, 2018

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Category: Lifestyle, Money

Do you feel it? That fashion is already a “need”. It is like a food and water that people needs everyday in their life. This is your biggest strength why you should enter Fashion Business, but how? It is about your strategy and that is what I want you to learn “How to Combine Fashion and Loans”.

This will be one of the greatest strategies you can use so that you can establish your own business. First, think about any fashion product you want to sell. T-shirt, Shoes, Make-ups, pants Etc. It will not matter what kind of fashion product you will sell as long as it is “Fit in the trends”.

Next is figuring out who will be the “possible buyers” of these kinds of products? Every kind of trends has its own buyer. Millennia’s, the 80s, mothers etc. you must choose the products that will fit those buyers. This customer has their own kind of trends, for example, mother, most of the mothers like hard makeups and more conservative dress.

By identifying these kinds of product you surely hit and meet customers’ needs and satisfaction. After choosing the products and evaluating the customers.

Think of this, if you will just sell the products you will be just the same on another seller of fashion products. Why not let your products to be loaned by your customer. It will surely get the interest of your customers. You can also be a supplier of loan fashion products if you wish to proceed to bigger business. We all know that loan have interest, but it is all up to you if you will put some interest or not.

You are always a winner of this strategy whether you choose to put some interest or not. But remember there are some weaknesses also in this kind of business; your customer might not pay your products because they have failed to sell it or other circumstances. Make sure if you will let the personal loan he/she qualifies your standards and rules.

Also, do not let the personal loan much to a risk for your part. Just let her/him loan the average items that customers can loan, but it will also depend on the person, if you already know the person then you can also add some items she/he can loan.

Loaning and fashion are two different dimensions. But if you will mix these two, things it will surely a great strength of having your personal fashion products business. Remember that this kind of business will not stand if you don’t have a rule.

A rule is a must. Set rules because this will let your business stand.

Simple Understanding What is Loan and Its Basic Components of Loan

Posted by Peyton Miller on July 11, 2018

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Category: Budget, Money

here are times in our life that we need to have loan because of different factors and reason in life. If you are thinking to have a loan you should understand first what is “loan”. This article is for you to know what is loan and what are the most basic part of a loan. This is made simplest for the readers to understand it clearly.

Loan is borrowing of money or things that you will pay it in future. It has an “interest”, when we say interest it is the cost of your loaned money. Example you loan 10000 pesos. If the lender will say it will cost 10% interests it means you will pay 10% interest which cost 1000 pesos. Interest will depend on your agreement before you take the loan. In the agreement you will also agreed of terms of payments.

Terms of payments mean how and when you should pay the loan. There are loans that will be paid in whole amount, but some are monthly for example the 10000 pesos with 10 percent interest should be pay in 10 months , you need to pay 10100 pesos every month so that you can pay the loan 11000 with interest in just 10 months. Below will discuss about what is loan:

What are “Secured loans” and “Unsecured loans”?

Loans that have “collateral” are secured loans. What is collateral? These are items or things that can be put for exchange if the loaner cannot pay the loan. It means that Secured loans are safer part for the lenders because they can still have items if loaner cannot pay the loan. One example of secures loans are the bank and pawn shops. Loans that don’t have collaterals are “unsecured loan”, it is just pure agreement and signature. Most of unsecured loan have higher interest this is because this term is more risky for the lenders.

“Term loan” and “Revolving loans” Revolving loan is when you loan and pay it, then loan again then pay it again. The best examples of these are credit cards. Term loan are the loan that has fix date of payments and interest. Examples of these are agreement loan, signature loans and pawn shop loans. Remember these are explanation of what is loan.

There are no techniques and strategies that have been discussed in this article. If you wish to know about strategies and techniques in having a loan you can search for Cash Mart Loan Philippines.

What You Need to Know Before Setting-up Your Small Business

Posted by Peyton Miller on July 11, 2018

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Category: Money, Motivation

Starting a business is quite a difficult task especially if you are a newbie on the field. Getting a loan from your bank account to set-up your business might be risky. But you need not to worry because we are giving you the chance to know the things that needs should be done prior to your business opening to get the knowledge you needed.

Do a research before anything else!

Know the possible threats and build your strength. Researching the trends will allow you to bombard your business with new ideas while allowing it to align in the current fashion. This will also draw more interest of the people about your up-coming business.

Another benefit of researching is you gain access to different markets that are cheaper than the rest. This can lessen your capital and may cause gratifying effect to your pre-planned business and to you personally because you get to receive more than giving more. Perhaps, you could also help local stores when you bought from them as a result of your research.

After the gathering of information, you could now proceed to setting-up your business. However, even though you found out through the help of your research and surveys that there is a huge possibility that your product will turn out to be successful, bear in mind that it is necessary to start by producing small quantities as this would serve as a sort of testing the sales before going to produce large amounts of your product.

Business is like a roller coaster ride.

Learn to be patient and give some time for your business and yourself to gain momentum. If you are feeling a bit worried as to why your sales are low, don’t give up because first steps are always going to be the hardest. Do not be afraid and do not ever take a step back because every successful story came from not quitting.

Triumph comes from persistence. When finalized everything and is on your first step, start it with a smile and a positive outlook towards your business. Embrace all kinds of feedbacks coming from the people around you, be it good or bad. Because through listening you can gain understanding and learning.

Got a Micro Business? Here’s How to Be a Customer Magnet

Posted by Peyton Miller on July 11, 2018

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Category: Money, Motivation

Wishing to become a successful entrepreneur?

Do you already own a business and you still want to delve in deeper into this risky but enjoyable ride towards your goal? Well look no further because we will join you in your joy ride.

Attracting a customer is the primary goal of a business. When a customer buys, your sales grow. Here are ways and tips to attract your customers and get that sales quota.

Understand your customer

Not every customers buy clothes as a necessity but more of from their emotions. If your target customers ages 18 to 30 then you should make several personas of their preferred taste by doing different designs that will attract not just a single persona. Scrutinize your customers well to make them satisfied and to build your business’s reputation.

Stalk your competitors

Know how and what kind of strategies they are using to attract buyers into coming to their stores. By doing so, you are neutralizing the competition. Use the information you have gathered while spying to beat their sales. If the competitor is offering a buy-one take-one then you should know how to neutralize the game by offering your customers a 20 percent off sale. However, you must be really careful not to go too far from the competition. The goal is to neutralize and perhaps win the game but you should know your limitations, especially if your business is new in the market. If you will not take precautions there is a possibility that your business will ran bankrupt.

Provide information to the public

You may offer the best quality of dresses and the most precious accessories but no one knows it. Then your business will have a hard time climbing towards the mountain of triumphs. There needs to be a budget allotted to your slogan and campaign. Make your slogans spread all over the place and not just in specific vicinity but you should include those places that have massive population of possible buyers. Make an exposure to be known by everyone.

By utilizing the given tips your business will take less than a year or perhaps a month to bloom and to become the public’s new favorite product.

Best Methods to Create a Long-Term Financial Stability Plan

Posted by Peyton Miller on June 14, 2018

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Category: Lifestyle, Money

In this modern period, everyone is gunning for financial stability. This is a wonderful goal to achieve but the road ahead is challenging. To aim for financial stability, you have to straighten your habits, cutting off your expenses, avoid buying stuff like gold sequin dress and instead set priorities.  Simple goal-setting can help but the action shall serve as your fuel. Before you set out for your goal, what you need is a detailed financial stability plan. Here are some of the ways on how you can create such a plan.

Connect Your Finance Goal to a Larger Vision

A better financial state can be your primary goal, but you should have a vision. Through this grand vision, you can anchor your financial goal. The world’s most successful people reached their current positions because they were directed by the vision. Profits just came along as they continue to build businesses.

Create a Diary of Your Thoughts and Ideas

A diary or journal will serve as a special thing where you can input thoughts, sentiments, ideas, and special life reminders. It may sound cliché, but a diary can track down your progress in life. This is a good thing if you want to know what specific financial adjustments you must make. You can simply buy an organizer where your thoughts can be jotted down.

Share Your Plan with Someone You Trust

Financial planning can be a long stretch, but it’ll be more interesting if you can share it with someone you trust. This can be your spouse, best friend, sibling, or business partner. Try to create a general plan and don’t include private information. By sharing your plan, you can feel more inspired to pursue it.

Focus on Your Daily Wins

The concept of a ‘daily win’ is all about the little things that you can achieve every day. These wins pile up in the form of memories and they can also be great sources of inspiration. As much as you can, try your best to haul daily wins. Make sure that each of your tasks can be accomplished with efficiency. With a financial stability plan ready, you’ll have a greater chance for major life success. Remember, you have to take action – read your plan and start your initial steps to make it a reality.

How To Pay Your Credit Card Debt

Posted by Peyton Miller on May 14, 2018

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Category: Budget, Lifestyle, Money

Having a credit card is great for paying for goods and services without the requirement of having or bringing too much cash with us. This is especially true for large transactions that involve a large amount of money. Credit cards have made payments and purchases an easy chore.

Combined with online buying, this becomes easy and hassle-free transactions. But credit card can also prove to be lethal to our finances. There are cases where too much spending was made by a credit card holder but income is no longer sufficient to pay for the debt.

Purchasing using a credit card

A purchase made through a credit card and only paying the minimum amount due often addresses the interest rate that the outstanding balance has made. Now paying the minimum amount due will cause you to be in debt for a few years. It can also cause you to pay way much more than what your purchases actual cost because of the interest rate.

If you are wondering on how long it will take you to pay an existing outstanding debt, you can visit web calculators that were created for this purpose. It provides an estimate of how long it will take you to pay off your credit balance.

Always keep your credit card use under control. We often lose track of the spending we make especially if we habitually charge payments to our card and seldom check the outstanding balance. Before we even notice, we have spent more than what we can pay.

Track expenses

It is very important to make sure that we keep track of our spending by being aware on what we purchase, fees that are charged automatically and the interest rates that have been charged for the use of the credit. This is a responsibility a credit card holder needs to do.

You also need to make sure that the charges you put on your card are something that you can pay off. If you reach a point where your outstanding balance becomes hard to pay, you are spending too much and putting it on credit. Owing more than what you can repay can greatly affect your credit score.

A Small Loan Can Equal a Big Vacation Benefit

Posted by Peyton Miller on April 13, 2018

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Category: Lifestyle

Vacations. We all need them. But the number two reason why people don’t take more time off, after feeling like they can’t get away from their work as reason number one, is the cost of the trip.

Let’s face it, where people want to go the most to enjoy their time off tends to be popular with others too, and that drives up the cost of going there. And even if folks want to go somewhere a bit more off the beaten path, the cost of transportation isn’t cheap either.

But vacations are more than just seeing new places; they are a chance to rejuvenate and repair, to catch an extended moment to breathe. It is the time to pay yourself the much-needed rest and a change in environment. Let yourself breath and let go of the accumulated stress. There are times when you think you will go crazy due to long-term stress and vacation could be just the thing that you need. And a personal loan or even a payday loan can make trips possible.

Why do you have to wait for months or years when the need is right now? Don’t wait for your body to succumb due to destress.

One doesn’t have to borrow for 80 days around the world to enjoy a good time off. A simple trip can do wonders for one’s mental health and peace of mind, lasting for a good year until the next break in so many cases.

Online moneylender Singapore tools don’t need to just be for car repairs, medical bills or quick cash needs. They can be for some personal getaway time as well. So next time you feel stressed out and burning on empty, take an instant cash loan and go on a vacation. You’ll feel a lot better

Must-Know Online Personal Finance Management Tools

Posted by Peyton Miller on March 13, 2018

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Category: Lifestyle, Money

Managing your finances is not always easy. It is a time-consuming task to keep track of all your bank accounts, credit cards, mortgages and various other details of your personal finance. A traditional way of bookkeeping doesn’t solve your problem and most good personal accounting software comes at a price.

However, the good news is that there are better and freeways to keep track of your finances. Nowadays, there are some free online personal finance management tools which not only help you manage your finances by making it easy for you to keep track of your bank accounts and other financial details but also makes it easy for you to take financial decisions wisely by providing sophisticated analysis.

These are some free services that integrate all your bank accounts, credit card accounts at one place which makes it easy for you to keep track of them. This saves you the trouble of keeping track of your bank accounts manually which can be quite time-consuming if you have multiple bank accounts. Imagine all your bank accounts being tracked for debit/credit and being updated for you to view it on the same place. Sounds quite convenient, isn’t it? These online personal finance management tools provide you with the same thing.

Moreover, the online personal finance management tools also provide you with a customized analysis of your spending and projection of savings thereby enabling you to make better financial decisions.

Security has been always an issue with financial matters, more so when it comes to trusting a third-party website with your bank account details. But most of these websites work by authenticating your bank accounts in a standard secure way which doesn’t require them to store your account credentials and it is verified using standard gateways. This makes them more secure to use.

These online tools only make your life simple by providing you with easier ways to manage your personal finances. You can try out any of these free online tools and know for yourself. There are many online personal finance management tools available today for you to take advantage of them. Just choose any of these services and manage your finances in a better and easy way.

4 Methods to Boost Your Finances

Posted by Peyton Miller on February 13, 2018

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Category: Budget, Lifestyle, Money

Being serious about your financial future is a nice step to make. Many people are just drifting in their lives, not thinking about the implications of their spending habits. They also borrow money relentlessly and sink into the quagmire of debts. If you’re getting tired of your cash runs out, then perhaps it’s time to boost your finances.

Here are four simple methods that you can try:

Raise Your Monthly Income

Your financial future can be determined by how much you make each month. If you barely scrape by, then you need to raise your income level. There are countless ways to do this – you just need to be patient and creative. With the help of the Internet, you can take numerous online jobs and freelance projects. Each project you accomplish can definitely raise your income. You can also try selling stuff if you want to control your time, resources, and cash flow.

Repay All Debts Quickly

Debts are boulders that will stand in your way. Therefore, you must do everything to repay all of your debts and get rid of them. It won’t be easy, but you have to plan ahead and start today. Don’t apply for loans unless you truly need them or you can use them as capital.

Invest First Then Save

While many people are focused on saving, the wise ones understand the power of investment. You can save bills and few coins, but do your best to acquire investments like paper assets, online assets, and other valuable items. Savings do not beat inflation – investments do.

Be a Smart Spender

Yet, even if you managed to raise your income, your poor spending habits can still drag you down. So, you need to be a smart spender. Instead of buying that designer shirt you want, try considering other cheaper options. You should ask yourself if you need to buy a specific item instead of spending it on food or necessities.

Your financial independence depends on the strategies that you’re willing to apply. At first, it’ll be difficult to make good financial decisions, but you need to press on. Once you managed to boost your finances significantly, your life will take a positive turn.

Mirror, Mirror On The Wall. Who’s Skin Is The Fairest Of Us All?

Posted by Peyton Miller on January 5, 2018

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Category: Lifestyle

Fast food here, instant noodles there. Chips here, processed foods here. Now you look in the mirror and see how dry and unhealthy your face and even skin is, made you asked yourself where and what you did wrong. Maybe the products you put on your face and skin? That could be one of the many possibilities, but if you look back and see how you’ve been out so much or that you’ve been eating instant and easy to cook meals most of the time, then you’d be shocked at how your body is paying the price of your unhealthy intakes. Lack of sleep doesn’t help as well.


Don’t stress too much about though because it’s never too late to start anew and choose to live the healthy lifestyle. Not only will the results be amazing and surprising but your body will so thankful for eating and drinking healthy and help you live life the way you want to. Here are foods and drinks that will hopefully help you achieve a healthy and radiant skin and face:


  1. GREEN TEA – Worried about the unending acne popping out of nowhere? Better start drinking the green elixir that will surely help your acne problems. Green tea lower levels of dihydrotestosterone (DHT), this is hormone is responsible for acne production. Green tea also contains antioxidants which help you look younger and blooming. But don’t drink too much since we all know how too much of something is also not good for us, so 2-3 cups of tea a day is enough to help your skin and body have the needed nutrients it needs.
  2. WHOLE WHEAT BREAD – Bread can be addicting, I’ll admit. Chicken sandwich, ham and egg sandwich and all sandwiches we can think of then make. But how about substituting your normal white bread to a whole wheat loaf? Whole wheat bread is low on the glycemic index (GI) compared to white bread which is high in GI and is one of the many inflammatory foods that makes anyone who eat too much of it, fat. Whole wheat bread also helps lessen the production of pimples.
  3.  EGGS – This famous breakfast food is also healthy for your skin but doesn’t eat too much. Eggs consist of lutein which is an antioxidant that protects the skin’s elasticity and helps prevent skin damage; eggs also contain choline which helps balance the levels of vitamin B, responsible for protein production keeping the skin smooth and firm, elastin and collagen.
  4. BERRIES – Blueberries, strawberries, cherries, name all the berries out there we know and they all help us stay young and flawless. Most berries also contain antioxidants that help us look young and glowing. They also help lessen the appearance of acne.
  5. ALMONDS – Found in ice creams, cakes, and even body wash. Almond itself can be so healthy, rich in vitamin e that helps repair scars, like pimple scar, and help prevent us from any more sun damage.


There are a lot of healthy foods out there we can consume for a healthy and glowing skin and body. Just remember that too much intake of something is also bad for you so when you choose to live healthy, also discipline yourself to eat and drink healthy to help you have the young and radiant skin and face you’ve always wanted to achieve. It doesn’t have to cost a fortune to be looking young and beautiful.

The Perfect Skin Care Routine for Tweens

Posted by Peyton Miller on December 19, 2017

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Category: Lifestyle

The awkward stage of being a preteen and a young teenager — “tween” — we’ve all been there. We often ask our mom, “are we supposed to switch to much harsher products or should we stick to kids products to protect our skin from harmful chemicals?” It’s a confusing period in our adolescent life where we don’t really know where we belong yet.

Here’s the thing, it’s the stage to learn about skin care routine because it’s the time when hormones are actively changing causing us the unwanted blemishes and awkward preteen-young teenager look. Puberty ain’t always fun so might as well prepare for the worst right? Starting with your skin.


The first step to every skin care routine is to simply clean your face. It doesn’t make sense to expect a blemish-free face if you don’t know how to clean it, right? It’s important to teach tweens the habit of washing twice a day (morning and evening), or even just the evening. They should cleanse all the way to the hairline, the neck and behind the ears as well. Make sure to use mild facial wash and mild body wash so as not to expose their skin to harsh chemicals at an early age.

Extra cleansing

It’s optional, but others can use microdermabrasion at home or mild toners so they can further cleanse their faces and reach deeper into the pores. For athletic kids, teach them the habit of bringing wet wipes so they could clean their face from dirt and sweat immediately after practice. It’s better if you can find some wipes that contain salicylic acid to protect their face from bacteria which leads to acne.


After cleansing, moisturize. Skipping the moisturizer may cause the face to dry. It’s a must to hydrate your skin and a moisturizer will definitely help with that. Again, with preteens-young teenagers, always opt for mild products for their face.


No matter how old they are, most of them are still kids at heart. This means that activities under the sun will always be fun & exciting for them and there’s just not much you can do about it. Kids should have their fun too. To protect their skin with sunblock. They say that sun damage is cumulative — the more they are exposed when they are young, the more it shows when they age. For those who are already into makeup, there are tinted moisturizers and foundations with SPF in them already.

Having that said, the point is to teach your tweens the habit of taking care of their skin so there will be no regrets in the end. You know what they say, prevention is better than cure. This routine may be very basic but it’s the most essential part in every skin care routine of every person regardless of age. If your kids have already mastered their own skincare routine, then all they have to do is to continue it for the rest of their lives. They’ll thank you later.