tag:blogger.com,1999:blog-81195206756582055362024-03-06T06:05:52.012+00:00Sawyerrs' House Money LifestyleA money and financial literacy website.
Spend BETTER. Save BIGGER. Invest BRAVELY
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-8119520675658205536.post-663411745779474042020-11-10T22:11:00.002+00:002022-11-22T20:16:42.991+00:00Don't Believe The H.Y.P.E<p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div style="text-align: left;"><span style="font-size: medium;">Tech Tuesday, Cyber Monday, Black Friday or the Holiday Season are those buzzwords which definitely gets me excited! Sometimes, retail therapy is the only cure. It's great for relieving tension - or is that just a fallacy? Does it get your excited?</span></div><div style="text-align: left;"><span style="font-size: medium;"><br /></span></div><div style="text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ202JrLLrbp9COLoOOxULBMQsQJMrE-QEhp1U4akPr6rRrLn8dWTtlqobutuJX1CSTCdCnETEAHoh5nt6ViGSrrRvfpQCeXKc-J6cJ5ZX7PIcJeT_Fs-KXDXS21CqNHUpg1FkzDvYxs0/s1080/Be+Kind%252C+Wear+a+Mask+%25281%2529.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ202JrLLrbp9COLoOOxULBMQsQJMrE-QEhp1U4akPr6rRrLn8dWTtlqobutuJX1CSTCdCnETEAHoh5nt6ViGSrrRvfpQCeXKc-J6cJ5ZX7PIcJeT_Fs-KXDXS21CqNHUpg1FkzDvYxs0/w400-h400/Be+Kind%252C+Wear+a+Mask+%25281%2529.png" width="400" /></a></div><br /><span style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span style="font-size: medium;"><br /></span></div><div style="text-align: left;"><span style="font-size: medium;">At the same time, some are already stressing over what to buy for that person they just can't stand. Some are so worried about how much to spend on which relative, which relative is worth getting an expensive gift compared to another. </span></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><strike><b><span style="font-size: medium;">Now, there are some, who have decided to get into debt for someone else.</span></b></strike></div><div style="text-align: left;"><strike><b><span style="font-size: medium;"><br /></span></b></strike></div></div><div class="separator" style="clear: both; text-align: center;"><br /></div><span><a name='more'></a></span><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><span style="text-align: left;"> </span></div><div><span style="background-color: #fcff01; color: red; font-size: large;">Stop! Stop!! Stop!!! Wait a minute. </span></div><div><br /></div><div><span style="font-size: medium;">What I'm not saying isn't that you shouldn't spend. Far from it. What I am saying is that we take a moment or two to stop and have a little think. This year has, and continues to be a totally different year in so so many ways. We definitely deserve to let our hair down a little.</span></div><div><span style="font-size: medium;"><br /></span></div><div style="text-align: center;"><span style="font-size: medium;"><b><i>Take a moment to think back a few months ago. We were stuck indoors. We couldn't see our loved ones and families. Our mental health was severely at stake - whilst some are still struggling with their mental health.</i></b></span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">I look at it this way, if I was so desperate to spend a little bit more quality time with family, it goes without saying, that, shopping has to be different this year. Time is Money, is a well known saying which I still believe in.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">There is absolutely no joy in you stressing and worrying about spending money when you simply do not, or cannot afford to do so. Not forgetting that so many households were hard hit by the lockdown. You deserve to have some time to recover.</span></div><div><br /></div><span><a name="more"></a></span><div><br /></div><div><br /></div><div><span style="font-size: medium;">Did you ever think that there'd be a day when the single most important piece of item we must N.E.V.E.R. leave home without is a MASK! </span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;"><u>I kid you not, my aim is to make this post a lighthearted chit chat.</u></span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">You are probably wondering, so what do you suggest I do to curb that itch for some in-store retail therapy?</span></div><div><br /></div><div> </div><div style="text-align: right;"><span style="font-size: medium;"><b><u>REASONS TO AVOID IN-STORE RETAIL THERAPY IN 2020</u></b></span></div><div><ol style="text-align: left;"><li><span style="font-size: medium;">You are safer at home.</span></li><li><span style="font-size: medium;">The atmosphere and buzz won't be the same.</span></li><li><span style="font-size: medium;">The parking wardens are still working - they are considered an essential service.</span></li><li><span style="font-size: medium;">You are likely to forget one very important person on the list.</span></li></ol><div><br /></div></div><div style="text-align: right;"><span style="font-size: medium;"><b><u>WHAT CAN YOU TO </u></b></span></div><div><br /></div><div><ul style="text-align: left;"><li><span style="font-size: medium;">watch an old movie with you oldest child.</span></li><li><span style="font-size: medium;">think about how stress-free you will feel.</span></li><li><span style="font-size: medium;">bake a cake or two.</span></li></ul><div><span style="font-size: medium;">The list could on forever. Here is my question to you and I? What was it about our families that we cherished during the lockdown? </span></div></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">Remember, the time we share with our loved ones is more valuable than what we spend on gifts and cards.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">Thank you for the read.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">Until next time,</span></div><div><span style="font-size: medium;">Much ๐</span></div><div><span style="font-size: medium;">Deborah</span></div><div><br /></div>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-31947893250013166192020-05-25T20:10:00.003+01:002020-06-03T14:32:03.140+01:005 Reasons Why Payment Holiday Isn't a Holiday<div><font size="4"><br /></font></div><font size="4"><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi7BQskCrQi8F5HoxhzY8zY5mQzKo1Rwnrq2lYMRa1hyphenhyphenkdqT6HYImlJHJ6E-waBp8gyk76GGmjneKYsVv18wsRkUAqIwCckqSIF1a-LGERIICvbFF-h5hLTTvQrBETwqbAT3bqv3eUSSU/" style="margin-left: 1em; margin-right: 1em;"><img alt="Payment Holiday" border="0" data-original-height="315" data-original-width="560" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi7BQskCrQi8F5HoxhzY8zY5mQzKo1Rwnrq2lYMRa1hyphenhyphenkdqT6HYImlJHJ6E-waBp8gyk76GGmjneKYsVv18wsRkUAqIwCckqSIF1a-LGERIICvbFF-h5hLTTvQrBETwqbAT3bqv3eUSSU/w400-h225/payment+holiday.png" title="Payment Holiday" width="400" /></a></div><font size="4"><br /></font></div>Hello and a warm welcome back to another blog post. Let's address the elephant in the closet by delving into this whole topic of payment holiday.</font><div><font size="4"><br /></font></div><div><font size="4">I was speaking to a good friend a few days ago about the truth behind this wonderful phrase called 'payment holiday' which has been floating around for a few weeks. Anyway, my friend and I discussed it in great detail. At the same time, I was also lamenting about feeling guilty with continuing to talk about financial literacy at a time like this. </font></div><div><font size="4"><br /></font></div><div><font size="4">By the time we had finished our conversation, the feeling of guilt had disappeared! Yes, it's wonderful to have great support network. I also felt so happy that I was able to impact knowledge on 'payment holiday' with my dear friend.</font></div><div><font size="4"><br /></font></div><div><font size="4">Okay, so, first off, it's called a payment holiday. The operative word is - holiday. It is also in the singular form. This means that you only have one option. Otherwise, it would be referred to as <b><u>'payment holidays'</u></b>.</font></div><div><font size="4"><br /></font></div><div><font size="4">Who doesn't thoroughly enjoy a holiday and also dread going back to the realities of life. Well, the same goes for a payment holiday.</font></div><div><font size="4"><br /></font></div><div><font size="4"><b><u>5 REASONS WHY PAYMENT HOLIDAY IS NOT A HOLIDAY</u></b></font></div><div><font size="4"><br /></font></div><div style="text-align: left;"><ol style="text-align: left;"><li><font size="4">You are able to continue to make regular payments: if you are able to, and can afford to continue to make payments, do so.</font></li><li><font size="4">You can make some payments: it is better to make some payment versus no payment whatsoever.</font></li><li><font size="4">. You are unsure about what will happen after the holiday is over: consider what life would be like for you once the 'new normal' is here.</font></li><li><font size="4">You have failed to enquire about other payment options: a payment holiday is NOT a new concept within the financial industry.<span><a name='more'></a></span></font></li><li><font size="4">You can afford to pay more: please do so to further reduce the repayment you have already been making.</font></li></ol><div><font size="4">It is such a coincidence coming across an article in <a href="https://graziadaily.co.uk/" target="_blank">Grazia Magazine</a> June 2020 edition between writing this blog post which also talked about this topic. Great minds thinking alike!</font></div><div><font size="4"><br /></font></div><div><font size="4"><b style="background-color: #e67c73;"><a href="https://nairametrics.com/2020/05/19/digital-financial-literacy-a-must-for-every-nigerian-in-post-covid/" target="_blank">READ MORE: DIGITAL FINANCIAL LITERACY A MUST FOR EVERY NIGERIA POST COVID-19</a></b><br /></font></div><div><font size="4"><br /></font></div><div><font size="4">I'd love to hear from you if you have opted for the payment holiday or considering opting for it - which is the only option for some. </font></div><div><font size="4"><br /></font></div><div><font size="4">Can I please indulge you in reading a wonderful testimonial from one of my previous clients further below.</font></div><div><font size="4"><br /></font></div><div><font size="4">Until next time,</font></div><div><font size="4">Much love,</font></div><div><font size="4">Deborah</font></div><div><font size="4"><br /></font></div></div>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-32832215582591793672020-04-07T21:23:00.001+01:002020-04-07T21:23:59.666+01:00Effective Ways To Contact Financial Institutions<span style="font-family: Georgia, Times New Roman, serif; font-size: large;"><br /></span>
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<tr><td class="tr-caption" style="text-align: center;">Effective Ways to Contact Financial Institutions</td></tr>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Hey hey there. Hope you are hanging in there. Oh yes, I've had my own personal experiences of contacting a few financial institutions. I had to wait for two hours on the telephone at one point.</span><br />
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Here are the best and effective ways to contact your financial institution:</span><br />
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;"><b><i><u>Best Ways To Contact Financial Institutions</u></i></b></span><br />
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<li><span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Live chat: typically, staff who cover the live chat part of a business do not work in an office. They are usually remote workers working separately to staff we meet on a day-to-day basis. These staff are available to speak.</span></li>
<li><span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Email: yes, good old email still works. You've never received a response so fast in your life!</span></li>
<li><span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Contact form: remember those forms we sometimes fill out online and totally forget about? Try them too. They work just as great, if not even better.</span></li>
<li><span style="font-family: Georgia, Times New Roman, serif; font-size: large;">And finally, Bot. The AI (artificial intelligence) that answers standard questions. This is probably the <i>least </i>useful of them all.</span></li>
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<span style="color: red; font-family: Georgia, Times New Roman, serif; font-size: large;"><i>Please do not provide personal information, usernames or passwords EVER!</i></span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">If you must speak to someone on the phone, be ready to wait.</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIFY-Gm7oSC9Zyaed6jvDUVOkRSygpSj1kzL3p4eXRoKZim4BWB7XWA3FBNqYkRA8dS0_Rw-lMLgEWFRiuYX_CH7lO14XYVqD1c4OqY9aWNYnCcde9y9nhjbFPXAjbPV9Estq9vJkSneY/s1600/Untitled+design.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIFY-Gm7oSC9Zyaed6jvDUVOkRSygpSj1kzL3p4eXRoKZim4BWB7XWA3FBNqYkRA8dS0_Rw-lMLgEWFRiuYX_CH7lO14XYVqD1c4OqY9aWNYnCcde9y9nhjbFPXAjbPV9Estq9vJkSneY/s400/Untitled+design.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Be Ready To Wait</td></tr>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">As with anything I write or say, Spend BETTER by saving your much needed data. </span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">N.B - there are a few other ways of contacting these companies such as video call and WhatsApp.</span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">#WeAreInItTogether</span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Until next time,</span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Much๐</span></div>
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<span style="font-family: Georgia, Times New Roman, serif; font-size: large;">Deborah</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-53749721358852543392020-02-15T20:59:00.001+00:002020-03-20T14:46:46.388+00:00Water<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAbxlABPRWMtqqH7JmthDmmsIkTjWTjW20GtTvAuJ8y2bHa84AQ6nT9eLxCShrF13E8ppQjNJ0QZr_OzgVy6mZwCDZLHaLY9MyNH1G3uhjQma6JYSdgUX1fLyrPGeMuGkF02ihL8bEa_0/s1600/Untitled+design+%25285%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAbxlABPRWMtqqH7JmthDmmsIkTjWTjW20GtTvAuJ8y2bHa84AQ6nT9eLxCShrF13E8ppQjNJ0QZr_OzgVy6mZwCDZLHaLY9MyNH1G3uhjQma6JYSdgUX1fLyrPGeMuGkF02ihL8bEa_0/s400/Untitled+design+%25285%2529.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Water</td></tr>
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<span style="background-color: red; font-size: large;">Say 'Yes' to all of these questions and I'll say no more!</span></div>
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<ol>
<li><span style="font-size: large;">Do you use bottled water to shower?</span></li>
<li><span style="font-size: large;">Do you use bottled water to cook?</span></li>
<li><span style="font-size: large;">Do you use bottled water to brush your teeth?</span></li>
<li><span style="font-size: large;">Do you use bottled water to wash your food?</span></li>
<li><span style="font-size: large;">Or do you wash your hair with bottled water?</span></li>
<li><span style="font-size: large;">Does your whole family use bottled water for all of these things?</span></li>
<li><span style="font-size: large;">Do you wash your dirty clothes and dishes with bottled water?</span></li>
<li><span style="font-size: large;">Is water man-made?</span></li>
<li><span style="font-size: large;">Oh, before I forget to ask, do you drink tap water at restaurants?</span></li>
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<span style="font-size: large;"><i><b>You get my drift.</b></i></span></div>
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<span style="font-size: large;">Hello and welcome back. I've spoken on this topic sometime in the past. I think it was in my all female Facebook <a href="https://www.facebook.com/groups/729088607252419/">group</a>. Anyway, let's break it down even further!</span></div>
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<span style="font-size: large;">What has water got to do with financial literacy or education? A lot!</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ5BGCkLnwkzBes83aZLCdh6WyVAzND4FpEwR8Q4pzzdflShlmYcGQGa5u-wEKleNuUaswG-7GQX4c-FtMVyVoT5bppnlB3f_fz-q4W7Jk8ANFGRAm8oxpGU-d_pzAaXL9MjcjGFY9v-w/s1600/WATER.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Sawyerrs' House" border="0" data-original-height="1200" data-original-width="800" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ5BGCkLnwkzBes83aZLCdh6WyVAzND4FpEwR8Q4pzzdflShlmYcGQGa5u-wEKleNuUaswG-7GQX4c-FtMVyVoT5bppnlB3f_fz-q4W7Jk8ANFGRAm8oxpGU-d_pzAaXL9MjcjGFY9v-w/s640/WATER.png" title="Sawyerrs' House" width="425" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Water</td></tr>
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<span style="font-size: large;">I'll simply put it this way. If bottled water is costing you an arm and a leg, drink what comes out of your tap. <b>But why Deborah?</b> Are you thinking to yourself right now, I just can't live without bottled water? Hear this, you are paying for water two times over. </span><br />
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<span style="font-size: large;"><b><u>Here's a YouTube <a href="https://www.youtube.com/watch?v=M3GefCDpql8">video </a>I'd like you to watch. It's called <a href="https://www.youtube.com/watch?v=M3GefCDpql8">Spendaholics</a>. Scroll to 10 mins and to 15 mins where she gets round the issue.</u></b></span><br />
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<span style="font-size: large;">Think about it. When you get your monthly paycheck after tax, you pay for your water bill out of it. Then, you dig into the rest of your pay packet and pay for bottled water.</span><br />
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<span style="font-size: large;">What I am <b>not</b> saying is, 'don't buy bottled water'. This post isn't for you if you don't have access to clean drinking water.</span></div>
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<span style="font-size: large;">What I am saying is this:</span><br />
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<ul>
<li><span style="font-size: large;">Tap water is just as treated as bottled water.</span></li>
<li><span style="font-size: large;">The plastic containers water are sold in are bad for our environment.</span></li>
<li><span style="font-size: large;">Just get a pretty glass bottle, fill it up with tap water. Keep it moving.</span></li>
<li><span style="font-size: large;">The Western world has free clean water. I hope we remember this.</span></li>
<li><span style="font-size: large;">Some developing nations don't have water at all - let alone dirty water. Please remember this.<a name='more'></a></span></li>
</ul>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3dYBspZ4vFTg4CD5oY2S9P-_M2ej79A6gncvG7lb_gqirulViiBafZWTDvYgwzkRTCQGKVTpzqIRVm788Yb0jV1Qfqoeu8YAa6TPM5kG2bD5LnB0q_5_fhHGynvJlR6pR5QIPSiU2XwI/s1600/It%2527s+%2527still%2527+water.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3dYBspZ4vFTg4CD5oY2S9P-_M2ej79A6gncvG7lb_gqirulViiBafZWTDvYgwzkRTCQGKVTpzqIRVm788Yb0jV1Qfqoeu8YAa6TPM5kG2bD5LnB0q_5_fhHGynvJlR6pR5QIPSiU2XwI/s400/It%2527s+%2527still%2527+water.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Water</td></tr>
</tbody></table>
<div>
<span style="font-size: large;">It's goes without saying that I should share a little bit about how I got into using tap water. I'd had a water machine at home which holds a 10 litre water bottle. At some point, the machine became faulty and irreparable. I had no plans of getting a new machine. Of course, soon enough, I was thirsty one day. Machine not working. No bottled water at home. </span><br />
<span style="font-size: large;"><br /></span>
<br />
<div style="text-align: center;">
<span style="color: orange; font-size: large;"><b>I opened the tap and drank some water. That's it.</b></span></div>
<div style="text-align: center;">
<span style="color: orange; font-size: large;"><b><br /></b></span></div>
<div style="text-align: left;">
<span style="font-size: large;">The two photos of bottles you just saw are what I use for water - whether I'm home or out and about.</span></div>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Anyway, I think you get the point. I wrote this post for you if you find yourself obsessing over bottled water but cannot see the benefits of doing so. </span><span style="font-size: large;"><b><u>It's time to save those c</u></b></span><span style="font-size: large;"><b><u>oins</u></b>!</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">And if you must drink water that you believe is treated but want to do your bit for the planet, try Just <a href="https://justwater.com/">Water</a> (this isn't a sponsored post) which I got from <a href="https://www.aldi.co.uk/">Aldi</a>. It's water in a carton!</span><br />
<span style="font-size: large;"><br /></span>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaNzgztpOg3I0rmZP7jnN8r-3syrvJBe7TWiDTSzLKo57CPwYDHi11cWrKRY5livXUqnwhKlAECObsthP_TctksnPgYH-OhQZ4yZncmFb-N1dlu3KeoSo8kbBMAvhEqw9sXVx4f3zRiPc/s1600/20200320_135739.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="900" data-original-width="1600" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaNzgztpOg3I0rmZP7jnN8r-3syrvJBe7TWiDTSzLKo57CPwYDHi11cWrKRY5livXUqnwhKlAECObsthP_TctksnPgYH-OhQZ4yZncmFb-N1dlu3KeoSo8kbBMAvhEqw9sXVx4f3zRiPc/s400/20200320_135739.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Just Water</td></tr>
</tbody></table>
<br />
<span style="font-size: large;">Thanks for hanging around to the end. Please comment below with your thoughts on this topic of water.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Until next time,</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Much๐</span><br />
<span style="font-size: large;">Deborah</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><span style="background-color: white;"><span style="color: red;">P.S - Happy belated Valentine's Day</span></span>๐</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-7298629787768649022019-12-29T13:11:00.001+00:002020-04-08T01:35:10.570+01:00The Power of 3 as a Thank You<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEini2Fz-R0yUH8CuIL4YgS-oZhIx7YLPzaf5-PMwcTfHw5j5CXadC_CYat1IFjc7gm3RwMkUisnUbxd4jMqLQNHEDskdbPv8HtNRFN9UuKno9dHebxlDV-SH7qJwupOkz68jaKAyRZcJxw/s1600/Untitled+design.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEini2Fz-R0yUH8CuIL4YgS-oZhIx7YLPzaf5-PMwcTfHw5j5CXadC_CYat1IFjc7gm3RwMkUisnUbxd4jMqLQNHEDskdbPv8HtNRFN9UuKno9dHebxlDV-SH7qJwupOkz68jaKAyRZcJxw/s640/Untitled+design.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The Power of 3</td></tr>
</tbody></table>
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<div class="separator" style="clear: both; text-align: center;">
</div>
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<div class="separator" style="clear: both; text-align: center;">
</div>
<span style="font-size: large;"><b>It has been such a long time that I sat down to write anything. Suddenly, it occurred to me how I've been working in 3's without even realising it.</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b><i>I'm no poet, but here we go</i></b>:</span><br />
<span style="font-size: large;"><br /></span>
<span style="background-color: white; font-size: large;"><b>3 stages in your financial blueprint</b></span><br />
<span style="background-color: white; font-size: large;"><b>The foundation, structure and apex</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="background-color: white; font-size: large;"><b>3 bank accounts is what you need</b></span><br />
<span style="background-color: white; font-size: large;"><b>The Need-to, The Want-to, The Must-do</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="background-color: white; font-size: large;"><b>3 percentages to your Money Makeover</b></span><br />
<span style="background-color: white; font-size: large;"><b>50%, 10%, 40%</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b>3 taglines</b></span><br />
<span style="font-size: large;"><b>Spend BETTER, Save BIGGER, Invest BRAVELY</b></span><br />
<span style="font-size: large;"><br /></span>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH-658WRVschxRio-Ob5GkxltCJADP4vrSeCyxppcCs40LqAJDie8GklZg8RCa5HtRE7oC90r2tEAKd7BP7U1eweaH15NuIzXk0ZLNK3ZO4jM8AG1Tvw0C3NfGdjhwCID2h16UrbSDbUk/s1600/Untitled+design+%25281%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH-658WRVschxRio-Ob5GkxltCJADP4vrSeCyxppcCs40LqAJDie8GklZg8RCa5HtRE7oC90r2tEAKd7BP7U1eweaH15NuIzXk0ZLNK3ZO4jM8AG1Tvw0C3NfGdjhwCID2h16UrbSDbUk/s640/Untitled+design+%25281%2529.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The Power of 3</td></tr>
</tbody></table>
<span style="font-size: large;"><br /></span>
<span style="background-color: white; font-size: large;"><b>3 is half of 6, the number of kids flashcards</b></span><br />
<span style="background-color: white; font-size: large;"><b>Budget. Needs. Wants. Bucketlist. Save. Invest</b></span><br />
<span style="background-color: white; font-size: large;"><b><br /></b></span>
<span style="font-size: large;"><b>3 years ago, <a href="https://www.facebook.com/sawyerrshouse">Sawyerrs' House</a> was established</b></span><br />
<span style="font-size: large;"><b>You have made it happen. Thank you so very much.</b></span><br />
<span style="font-size: large;"><br /></span>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_adRbdJr1MuPwWOHlqlEPmtLP7Znb62Cx2T7G48sueTtgICOSVbHeFtoLdUdkd8pl_TD5g4OAjJ-_efqZmSeyWeJPXxxJ0rj050Ocf539CvXc7jDq-cZMPH8lOPur4kpTBsIQH_WN16A/s1600/Untitled+design+%25282%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_adRbdJr1MuPwWOHlqlEPmtLP7Znb62Cx2T7G48sueTtgICOSVbHeFtoLdUdkd8pl_TD5g4OAjJ-_efqZmSeyWeJPXxxJ0rj050Ocf539CvXc7jDq-cZMPH8lOPur4kpTBsIQH_WN16A/s640/Untitled+design+%25282%2529.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Power of 3</td></tr>
</tbody></table>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"></span><br />
<a name='more'></a><span style="font-size: large;"><b>So, as you can see there is so much power in the number 3. Now, here is my question to you. Do you have a number or colour which signifies power and why? Please share below?</b></span><br />
<span style="font-size: large;"><b><br /></b></span>
<span style="font-size: large;"><b>Until next time(<span style="color: red;">the year 2020</span>),</b></span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b>Much ๐</b></span><br />
<span style="font-size: large;"><b>Deborah</b></span><br />
<span style="font-size: large;"><br /></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-24223942719122602702019-11-08T17:33:00.001+00:002019-11-08T17:33:44.439+00:00Borrow-To-Horror [ How To Avoid This Happening to You]<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br /></span></span>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5bohmNN67f4NKSltOVxynNaNweJQfcUE7hWqTUl8C7ZInhP1Bpi2gDMLOTVtmq20FEj7pf3zl17UhvcUqVsBnSmNWH2633yFwdBw8OStdAdXnmB01JZRUqhKVhvTywWRK9h1rwEtrZCc/s1600/Add+a+heading+%25284%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5bohmNN67f4NKSltOVxynNaNweJQfcUE7hWqTUl8C7ZInhP1Bpi2gDMLOTVtmq20FEj7pf3zl17UhvcUqVsBnSmNWH2633yFwdBw8OStdAdXnmB01JZRUqhKVhvTywWRK9h1rwEtrZCc/s400/Add+a+heading+%25284%2529.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Borrow-To-Horror</td></tr>
</tbody></table>
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br />Halloween may be over, but how much more financial nightmares can we afford to handle?</span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br /></span></span>
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;">If you want to avoid the joy of borrowing turning into a nightmare of horror, click <a href="https://www.gobankingrates.com/net-worth/debt/how-to-come-back-from-credit-horror-stories/">here</a> to read what mine and that of others looks like.</span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br /></span></span>
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;">One thing I can definitely say is that even I learnt so much from the other stories.</span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br /></span></span>
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;">Until next time, </span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;">Much ๐</span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;">Deborah</span></span><br />
<span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; white-space: pre-wrap;"><span style="font-size: large;"><br /></span></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-21526016395172442832019-11-07T21:19:00.001+00:002019-11-08T17:51:56.987+00:00Shop Till You Drop [A Handy Survival Kit for the Savvy Shopper]<div class="separator" style="clear: both; text-align: center;">
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJENbWwt3O8rESLuZi3YMjFUTGiE0CYG6fdbFMdroevi1hSyQga0NZDg9V0HB1-mpR0JxJaB0Gn3OQuFApUubCI1tgIVXje1St_C7PI4GEcdhRPxOmumz9LD27qrA6ue_s6djGuEZkW8Y/s1600/Untitled+design+%25282%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Shop Till You Drop [A Handy Survival Kit for the Savvy Shopper]" border="0" data-original-height="315" data-original-width="560" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJENbWwt3O8rESLuZi3YMjFUTGiE0CYG6fdbFMdroevi1hSyQga0NZDg9V0HB1-mpR0JxJaB0Gn3OQuFApUubCI1tgIVXje1St_C7PI4GEcdhRPxOmumz9LD27qrA6ue_s6djGuEZkW8Y/s320/Untitled+design+%25282%2529.png" title="Shop Till You Drop Handy Survival Kit" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Shop Till You Drop </td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
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<b style="font-family: verdana, sans-serif; font-size: xx-large;">Shopping for the purpose of gifting is a fantastic gesture from one person to another. However, we must think with our heads and not just our hearts.</b><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">It does not matter if you are purchasing a gift during Thanksgiving or Christmas for a loved one or whether the gift is for you.</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><u>Real life story</u></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><span style="font-family: "verdana" , sans-serif;"><br /></span></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Sometime last year, my sister was telling me how she overhead two female shoppers laminating about their spending. It was during the holiday season. One of the women was laminating about maxing out her credit credit on shopping for others. </span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">She then went on to say that she'll have to use monies from her January paycheck to cover her credit card.</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">I'm sharing this because this could happen to anyone of us. The unfortunate thing this that she would have to sacrifice some of her disposal income. As a result, she may even fall behind with other payments. Not to mention that it may take longer than one month to clear the debt. </span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">1) </span><u style="font-family: verdana, sans-serif; font-size: xx-large;">Tool kit #1</u><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Let's focus on the errors we as shoppers make during the holiday season. Credit card spending is the first of these.</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<br />
<blockquote class="tr_bq">
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><i><b><span style="color: red;">Shoppers who max out their credit cards to purchase gift items during the holidays do this because it is the one time of year when they may get to impress others with a kind gesture. Shoppers can avoid using their credit card by leaving their card at home. It removes the temptation of using their card.</span></b></i></span></blockquote>
<br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Pretty basic, right! Nonetheless, we can get carried away what with all the bright lights going up in the shops.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcMn0k1ZKzCUnAwBq00vJP8vcYWe4XR8a8t93k5nERe8PIR7NBh3F1S-8MSv9ArkZa5VUTh2SdRxC2EYgzR1Zeq6zhR_F3lue6L9BdhNeMfogW5VfTJk9XiGZ398xcJ3oRSrjiPn5PKCE/s1600/shop+till+u+drop+-+a+handy+survival+kit.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="640" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcMn0k1ZKzCUnAwBq00vJP8vcYWe4XR8a8t93k5nERe8PIR7NBh3F1S-8MSv9ArkZa5VUTh2SdRxC2EYgzR1Zeq6zhR_F3lue6L9BdhNeMfogW5VfTJk9XiGZ398xcJ3oRSrjiPn5PKCE/s640/shop+till+u+drop+-+a+handy+survival+kit.png" width="256" /></a></div>
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<span style="font-family: "verdana" , sans-serif; font-size: x-large; text-align: start;">Leading on from my first point, particularly when it comes to not having sufficient disposal income - <i><u><span style="color: red;">desperation</span></u></i> can quickly find its way into our heads.</span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">2) </span><u style="font-family: verdana, sans-serif; font-size: xx-large;">Tool kit #2</u><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">When it comes to the desperation of having extra disposal income in our pockets, there's the saying that, "</span><i style="font-family: verdana, sans-serif; font-size: xx-large;">desperate times calls for desperate measures." It's fair to say that this saying can apply to different circumstances and mindsets of shoppers.</i><br />
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><i>What could a cash strapped shopper possibly do for quick cash?</i></span><br />
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<span style="color: red; font-family: "verdana" , sans-serif; font-size: x-large;"><span style="background-color: white;">Shoppers could quite easily make the mistake of getting into get-rich-quick-schemes and gambling. Such schemes offers to double ones money with no work. They do this due to the pressure they place on themselves to purchase a gift. They can avoid this by refraining from having open discussions about their personal financial situation with covert opportunists. Opportunists are always ready to take advantage of the most financially vulnerable. Gambling is a game of odds with no guarantees of winning.</span></span></blockquote>
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">We cannot afford to loose money when there is just about enough to start with - or maybe there is very little to start with.</span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">3) <u>Tool kit #3</u></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Okay,let's move on to another useful tool that you'll need in your box. So, you recently came into some lump sum amount of money. Perhaps you were expecting the lump sum or maybe it came as a pleasant surprise. Ask yourself this question, "what have I done with the money?" or "what do I plan to do with the money?"</span><br />
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<span style="color: red; font-family: "verdana" , sans-serif; font-size: x-large;">Shoppers</span><span style="background-color: white;"><span style="color: red; font-family: "verdana" , sans-serif; font-size: x-large;"> can be tempted to dig into any lump sum payments such as a redundancy payout or divorce settlement. Again, shoppers do this due to the pressure of the advertisements and promotions shown in the media. Any lump sum payments should have been invested prior to the holidays. If this has not been done yet, the shopper should do so now. Putting away your lump sum as an investment means that the money would be earning an interest.</span></span></blockquote>
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">4) <u>Tool kit #4</u></span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><i>Finally and the most power tool to have in your survival kit as a shopper is:</i></span><br />
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<span style="color: red; font-family: "verdana" , sans-serif; font-size: x-large;"><span style="background-color: white;">Beware of scams and fraudulent activities going on around you. The holiday season is when there is an increase in desire by shoppers to have a bigger buying power. By the same token, con artist are on the prowl. Resist the temptation of getting involved in such activities by coming to terms with the fact that you may just not be in a position to buy gifts this time around. </span></span></blockquote>
<span style="background-color: white; font-family: "verdana" , sans-serif; font-size: x-large;">We know that anyone caught engaging in fraudulent activities(at least in the Western world) is likely to face criminal charges. No one wants a criminal record simply because they want to buy gifts.</span><br />
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<i style="font-family: verdana, sans-serif; font-size: xx-large;">At this point, let me be 100% frank with you. I have made at least one of these mistakes. I'm writing from experience. I just do not want you to go through the same experience I had.</i><br />
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Did you enjoy todays' post? I really want to know which of these survival kits you'll use or already have in your tool box.</span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Until next time,</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Much๐</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Deborah</span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><i><br /></i></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-60747354836837017742019-10-30T00:32:00.000+00:002019-11-08T17:50:30.895+00:008 Simple Ways That Makes Gift-Buying and Party-Throwing A Breeze<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSJB7DJ2e8iAcnoObeeyNeYHOMtGEWt1j1Zz9MlSDEE1OuYeN9zlG2ctvq_ll1EQPn2y0tgxsNyZt4WYBC7cSTQSEA1V2gY0EzDMDRm2rhrcK1D5TuYRc6pbfkHrVtPqogz8vLUZbk90s/s1600/20191012_195009.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Simple Ways That Makes Gift-Buying and Party-Throwing A Breeze" border="0" data-original-height="1440" data-original-width="1080" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSJB7DJ2e8iAcnoObeeyNeYHOMtGEWt1j1Zz9MlSDEE1OuYeN9zlG2ctvq_ll1EQPn2y0tgxsNyZt4WYBC7cSTQSEA1V2gY0EzDMDRm2rhrcK1D5TuYRc6pbfkHrVtPqogz8vLUZbk90s/s320/20191012_195009.jpg" title="8 Simple Ways That Makes Gift-Buying and Party-Throwing A Breeze" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">8 Simple Ways That Makes Gify-Buying A Breeze</td></tr>
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<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Purchase gifts in stages throughout the course of the year and well in advance of the gift-buying season.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Join special schemes that focus on helping people to specifically save for holiday splurges.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Only buy gifts for close families or friends.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Ask friends and family who will be attending your party to bring with them a bottle or their favourite dish.<a name='more'></a></span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Put that credit card away because the bright lights can be a temptation to overdo it.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Bite the bullet and simply stop buying gifts altogether.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Purchase brand new items from thrift stores at heavily discounted prices.</span></li>
<li><span style="font-family: "verdana" , sans-serif; font-size: x-large;">Tell your friends and family that you are on a tight budget and that you do not wish to be in the red come the new year.</span></li>
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<span style="font-family: "verdana" , sans-serif; font-size: x-large;">I hope that you enjoyed this blogpost. For more on money-saving tips, check out my top charting financial challenge post <a href="https://www.sawyerrshousemoneylifestyle.com/2017/11/52-week-saving-challenge.html">here</a>.</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Until next time,</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Much๐</span><br />
<span style="font-family: "verdana" , sans-serif; font-size: x-large;">Deborah</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-9241905176324823512019-10-26T01:34:00.001+01:002019-10-26T01:34:32.988+01:00Tricks and Treats<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg4rX64bq4zs11Tgrp8KV1DgdtuLyv-Ki1Ngs6RAyW-bq00mQv-NsUo7Ce84j68_uVJjjmEMzwmkesXXccnBdP6wFntk6UUq3KM-hC-nlD-xWbT01T1SIcihuzceUcpDYhwdx1fg-6xcs/s1600/Untitled+design+%25281%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg4rX64bq4zs11Tgrp8KV1DgdtuLyv-Ki1Ngs6RAyW-bq00mQv-NsUo7Ce84j68_uVJjjmEMzwmkesXXccnBdP6wFntk6UUq3KM-hC-nlD-xWbT01T1SIcihuzceUcpDYhwdx1fg-6xcs/s640/Untitled+design+%25281%2529.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Top 3 Money Tips</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiolh7bW5oKBDHQ-7Ubi8uCJ-luREc0bPQXlQsgyneqWXktUsQw1Z_scCW4m4nQatolCTGjJdFtZY98acD5HigakyELk3U7YiL56CUuR0_45k1KtWbn8ZxeHZgOpmtt_mVrxXtSVP53fiM/s1600/Untitled+design.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="403" data-original-width="843" height="304" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiolh7bW5oKBDHQ-7Ubi8uCJ-luREc0bPQXlQsgyneqWXktUsQw1Z_scCW4m4nQatolCTGjJdFtZY98acD5HigakyELk3U7YiL56CUuR0_45k1KtWbn8ZxeHZgOpmtt_mVrxXtSVP53fiM/s640/Untitled+design.png" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Top 3 Money Tips</td></tr>
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<span style="font-family: Verdana, sans-serif; font-size: x-large;">Many thanks for your continued support.</span><br />
<span style="font-family: Verdana, sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: Verdana, sans-serif; font-size: x-large;">Much ๐</span><br />
<span style="font-family: Verdana, sans-serif; font-size: x-large;"><br /></span>
<span style="font-family: Verdana, sans-serif; font-size: x-large;">Deborah</span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-35156590855805608882019-09-26T13:41:00.001+01:002019-11-07T20:59:58.610+00:00A Simple Money Formula by a 12 Year Old<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/mXt7T_4eHBQ" width="560"></iframe><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><b>WHAT WAS MY REACTION WHEN I WATCHED THIS VIDEO BY FINANCIAL FITNESS BUNNY?</b></span><br />
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<span style="color: red; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><i>Ecstatic is an understatement!</i></span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Before I get into elaborating more on why I was ecstatic and wowed by this savvy smart 12 year old, I have listed below 1 main initial reaction I had:</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><i style="background-color: orange;">"Even if our kids aren't old enough to practice some of the smart money concepts they learn, it is still important to expose them to these concept."</i></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Do you remember when you were a toddler and perhaps was dropped off at the daycare/nursery? Remember those nursery rhymes? <i><u>Let me know which was your favourite nursery rhyme and which one scared you.</u></i></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Well, many of those words in nursery rhymes meant nothing to us - we simply enjoyed the rhymes vs the words. Would you agree?</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><u><b>And then we got older and..</b></u></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">The older we get, the wiser we become - or so we should. As we grew from being a toddler into kids of school age, the words began to make more sense. I know it certainly did for me. I also noticed the same happened with my daughters.</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">The very same principle can be applied to the little guest speaker who spoke in the video. Exposure is still a crucial part of education for a child. Keep exposing them regardless of their age.</span></div>
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<span style="background-color: red; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><b>The more a child is exposed to varying money concepts over a period of time and on a repeated basis, the more the child grows in financial intelligence and responsibility.</b> </span></blockquote>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">It's almost like when our kids are told at school to read books which challenge their imagination and vocabulary - regardless of the volume of the book.</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Anyway, let's get straight into a list of things which stood out for me:</span><br />
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<ol>
<li><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Financial literacy for kids has an element of philanthropy</span></li>
<li><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Find what works for your child and run with it</span></li>
<li><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Give your child real money to learn from</span></li>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">I'd love to read your reaction to the video in the comment box. By the way, our No Sugar Coating <a href="https://www.sawyerrshousemoneylifestyle.com/2019/09/no-sugar-coating-how-to-say-no-to-our.html">post</a> is a fun and factual <a href="https://www.sawyerrshousemoneylifestyle.com/2019/09/no-sugar-coating-how-to-say-no-to-our.html">read</a> which you can't afford to miss.</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Until next time,</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Much๐</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Deborah</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><i><br /></i></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-53900110466864301822019-09-16T11:14:00.000+01:002019-09-16T11:30:04.720+01:00No Sugar Coating - How to Say No To Our Little Angels<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMPQSz10uA1Uaps2O7uF_rUm_GEQC9892PsI8Xy-93LAMqiPhFPOhH0WLDJ08PGTcV-tGkIZeCrXP4YuQ4v_7H-44iXmLOHrY_OexiwsfY2zYtr_ZIaZ1f7ZnEe7lAhNR8oqJ9iHjzzo/s1600/did+you+say+yes+when+you+meant+no_.png" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="sawyerrshouse" border="0" data-original-height="315" data-original-width="560" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMPQSz10uA1Uaps2O7uF_rUm_GEQC9892PsI8Xy-93LAMqiPhFPOhH0WLDJ08PGTcV-tGkIZeCrXP4YuQ4v_7H-44iXmLOHrY_OexiwsfY2zYtr_ZIaZ1f7ZnEe7lAhNR8oqJ9iHjzzo/s640/did+you+say+yes+when+you+meant+no_.png" title="Sawyerrs' House" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">No sugar coating</td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Hello and welcome back to a very overdue post. As you know, I'm all about educating you on how to solve those difficult financial literacy challenges. Today is not different.</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: large;">Anyway, without saying too much, can I please share an article I was recently featured in talking about how to simply say no to our children. The article has very short statements by other mothers like you and I. I found many of the statement so funny too. Oops, sorry, here's the <a href="https://bestcompany.com/loans/blog/setting-financial-boundaries-with-teenagers">link</a></span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Hey mums, have you ever found yourself saying yes when you really wanted to say no to your child?</span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: large;">I'd love to hear from you in the comments box.</span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Until next time, check out our kids website <a href="https://www.playyourcardsright.co.uk/">here</a></span><br />
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Much๐๐</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><span style="font-family: Verdana, sans-serif; font-size: large;">P.S - I'll be featured again on the UK Money Bloggers <a href="https://ukmoneybloggers.com/">website</a> on 23 September 2019 giving some inside information on why financial education.</span></span>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><br /></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com2tag:blogger.com,1999:blog-8119520675658205536.post-2393000968018801602019-03-19T22:45:00.001+00:002019-03-19T22:53:05.127+00:00Financial Responsibility<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/f64I-3pcyyM" width="480"></iframe>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-24242605424430249702019-02-25T14:28:00.000+00:002019-02-25T14:28:33.233+00:00Digital Currency 101<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ6KP3FOMnd6cX53wvt3B38KO67-TO-4oaDU8z3a2LqvQdWZgjQZrjTy6avj98c2Giys6xILlv3I6HR-2lRqivfbrkq0rv_g1J9z7eJyC9omvjs-KdOvlCZ9jxsQm1gJ_jt1Jqyrny6Z8/s1600/20181104_150506.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="900" data-original-width="1600" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ6KP3FOMnd6cX53wvt3B38KO67-TO-4oaDU8z3a2LqvQdWZgjQZrjTy6avj98c2Giys6xILlv3I6HR-2lRqivfbrkq0rv_g1J9z7eJyC9omvjs-KdOvlCZ9jxsQm1gJ_jt1Jqyrny6Z8/s640/20181104_150506.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Digital Currency 101</td></tr>
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<iframe allowfullscreen="true" allowtransparency="true" frameborder="0" height="315" scrolling="no" src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fsawyerrshouse%2Fvideos%2F1997234910331574%2F&show_text=0&width=560" style="border: none; overflow: hidden;" width="560"></iframe>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-57605533255076374352019-02-04T22:14:00.001+00:002019-02-14T21:27:57.902+00:00Pop Quiz <img border="0" data-original-height="372" data-original-width="600" height="396" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbHlJA65GecZ2CJtZCOE7sMJqzR8SqWiRRv0EJjdRRZkWtZJb5WVrwj8Qp0WFmUpwFeWqIoajqNVy9gYmLTwtxrOwBV7bqJZNX2t_5A-NiI_P_s-80de0LILfzlReX9xI2AZu33ZKLNSQ/s640/Word+Cloud.jpg" width="640" /><br />
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<span style="font-size: large;">Hello and welcome back to another post from me. As you know or may not know, I like to keep my post short, sweet and straight to the point.</span><br />
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<span style="font-size: large;">Here is a pop quiz I took part in. It's something a little different but fun. Do kindly click <a href="https://thestartupgrowth.com/2019/02/04/pop-quiz-monday-with-deborah-sawyerr/">here</a> for details of it. </span><br />
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<span style="font-size: large;">Until next time,</span><br />
<span style="font-size: large;">Much love,</span><br />
<span style="font-size: large;">Deborah</span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-90955756768440093622018-12-20T22:40:00.001+00:002018-12-20T22:42:00.147+00:00Why I Love What I Do<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDmX-yVVr-Rh4Uo3Yb57lku8DH1xZV70oVC83pfH6DdsC5vJA9Ylk2fmYgce4YjdC5tFzLPqby2jsp7tjeAYyzGO32o6_37Sgu02i9UA4TtWSTPXwjereTh9jAY_O5oVHYHfH7g8T1jYE/s1600/20181205_100048.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDmX-yVVr-Rh4Uo3Yb57lku8DH1xZV70oVC83pfH6DdsC5vJA9Ylk2fmYgce4YjdC5tFzLPqby2jsp7tjeAYyzGO32o6_37Sgu02i9UA4TtWSTPXwjereTh9jAY_O5oVHYHfH7g8T1jYE/s640/20181205_100048.jpg" width="480" /></a></div>
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<span style="font-size: large;">I am a Money Literacy Educator for kids of school age. This means that I educate children how to be money-smart - something that many of us as adults never learnt when we were young. </span></div>
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<span style="font-size: large;">I created my business best known as Sawyerrs' House following a very difficult time in my life whereby I noticed that my two young daughters were not being taught how to value money. I often refer to the birth of what I do as - From Pain To Gain.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaTisq1RFQLoltLMca78xh0RvN7PP-V9fv77r2cOovy1fdTdH2npoVu4dud-GtvN0VHs5Qe8Xf3iw7NhV85lkdAivQf_6NruW2p53cyYLQxZ3qkTBAtRruopVt1E13V6C2G5q-FriAK8k/s1600/e7913ec7-0556-40b4-87d5-5ab3dc97eca8" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1273" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaTisq1RFQLoltLMca78xh0RvN7PP-V9fv77r2cOovy1fdTdH2npoVu4dud-GtvN0VHs5Qe8Xf3iw7NhV85lkdAivQf_6NruW2p53cyYLQxZ3qkTBAtRruopVt1E13V6C2G5q-FriAK8k/s640/e7913ec7-0556-40b4-87d5-5ab3dc97eca8" width="507" /></a></div>
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<span style="font-size: large;">Words cannot really explain how much I love what I do, but I will give it my best shot. First, I live, breath, eat, sleep and dream what I do. Yes, I am that passionate about impacting as many young peoples lives because I know firsthand the dangers of not being financially literate. I am never bored with what I do or ashamed of sharing with others what I do. </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZeezoe-HbeIY2-5pCRDU3GzDASBiA8rdi5-V_hFZmF2b8grIc8I5g8CU7mfe4H3ivVqgEr6XT_dR_54Jvr4pMCcXbGGxat9waiUma2SHkuiyf8-JmtL1kjDoyTs2C87mJFGYDSst43vE/s1600/gplus4830901377136180344.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZeezoe-HbeIY2-5pCRDU3GzDASBiA8rdi5-V_hFZmF2b8grIc8I5g8CU7mfe4H3ivVqgEr6XT_dR_54Jvr4pMCcXbGGxat9waiUma2SHkuiyf8-JmtL1kjDoyTs2C87mJFGYDSst43vE/s640/gplus4830901377136180344.jpg" width="480" /></a></div>
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<span style="font-size: large;">I love what I do because there is never a time when I sit with young learners that I am not able to capture their attention and captivate them with my personal story of why I do what I do. I love to see the sheer excitement on their faces when I tell them the juicy parts of my story, only to drop a bombshell at the end. It's usually a rude awakening for them.</span></div>
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<span style="color: red; font-size: large;"><i>I love what I do because I notice that whenever I am educating young people(usually in the vicinity of their carers or parents), the adults typically eavesdrop on what I am teaching. As a result, the adults often get involve and ask so many questions for themselves. I find that very refreshing and an indication that adults also need this piece of education.</i></span></blockquote>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI8yA2xI0cMlCRh6tznBxU6WTwOmDKF-Ye-9vJ6nHOBj8jf35tP8iveOsDmrSdjDBtb32S8KaOoV0iXKacvKATo5v6ojk703q5QrT5lZ-8SO6P5pUZp1Y-WjacmVxB9M3a6sfI1pj34Ho/s1600/20181104_150536.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI8yA2xI0cMlCRh6tznBxU6WTwOmDKF-Ye-9vJ6nHOBj8jf35tP8iveOsDmrSdjDBtb32S8KaOoV0iXKacvKATo5v6ojk703q5QrT5lZ-8SO6P5pUZp1Y-WjacmVxB9M3a6sfI1pj34Ho/s640/20181104_150536.jpg" width="640" /></a></div>
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<span style="font-size: large;">I love what I do because I started my business journey using my daughters as guinea pigs. Over time, I have seen an improvement in their attitude to money - <b>mind you, my daughters haven't quite perfected it yet as financial literacy is lifelong learning.</b></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHanF95M08d1zfcRUyaZE2TMlapGucCZpsNYjWtvgeXx9ryYqQz75uAJzul3bmYhEDU-wzOX7WsC-tP5MUTGxd5FvS_1-upH7WC7ZWHt97NZzqFrzqu3_a53IIMJ-inYL3nvwJtSDM4kk/s1600/20181104_150624.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHanF95M08d1zfcRUyaZE2TMlapGucCZpsNYjWtvgeXx9ryYqQz75uAJzul3bmYhEDU-wzOX7WsC-tP5MUTGxd5FvS_1-upH7WC7ZWHt97NZzqFrzqu3_a53IIMJ-inYL3nvwJtSDM4kk/s640/20181104_150624.jpg" width="640" /></a></div>
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<span style="font-size: large;">I love what I do because very early on in my business and with the help of my daughters, I was able to put together a Money Literacy worksheet booklet and flashcards using a simple concept called Bring Nice Wellies But Stay Indoors. <b><u><i>These six words represent the complete and basic money literacy terms for kids and adults alike.</i></u></b></span></div>
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<span style="color: orange; font-size: large;"><i>I love what I do because when I tell people what I do, 9 times out of 10, their response is something along the lines of...".I wish someone taught me how to be smart with money when I was young".</i></span></div>
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<span style="font-size: large;">Until next time,</span></div>
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<span style="font-size: large;">Much ๐๐</span></div>
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<span style="font-size: large;">Deborah</span></div>
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<span style="font-size: large;">P.S - Did you miss my last blog post? <a href="https://www.sawyerrshousemoneylifestyle.com/2018/12/from-pain-to-gain.html">Here</a> it is for your ease of access. Thanks.</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-6609823938264253602018-07-20T08:14:00.002+01:002018-07-20T08:14:27.245+01:00Our Snapshot<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiL2bOYmMcmhgCg8MSFnIAobu8o4SegB2AeC80XizHa2tH4pdYKrhC2vqYTVt_SpnBm4Zt7_Lh9XHCXfYQMy-MaIQE1g6QLl4Y6CBZU384ddIOy8TIWysVtAUb9WAxfa1YSDeSCtKOsQs/s1600/Word+Cloud.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="372" data-original-width="600" height="395" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiL2bOYmMcmhgCg8MSFnIAobu8o4SegB2AeC80XizHa2tH4pdYKrhC2vqYTVt_SpnBm4Zt7_Lh9XHCXfYQMy-MaIQE1g6QLl4Y6CBZU384ddIOy8TIWysVtAUb9WAxfa1YSDeSCtKOsQs/s640/Word+Cloud.jpg" width="640" /></a></div>
<br />Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-22191128689095224262018-05-18T09:41:00.001+01:002018-05-18T09:51:55.080+01:00No Work, No Wage<p dir="ltr">Hello and good day.</p>
<p dir="ltr">It's a very short <a href="http://5 Pillars of Financial Success http://feedproxy.google.com/~r/Daily-Devotionals/~3/T9rk5QtCnFQ/">post</a> today. It really does depict the notion that a lazy woman or man should not expect to eat if one does not put the work in or take action. </p>
<p dir="ltr">Until next time,<br>
Much love,<br>
Deborah </p>
<div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjw0QdrI8wWUqbsI3ULV8KTdAr1IQR6OI5_GT9G811vH3vboLKfP4g3fdhz3FqeeoTboEQEINPzv5H_lU07TCzQQ9n1cUuZaXmmFuo8k86hz81dAR-IgLsOKGXDSdOyTU88lSxtAsq3-5k/s1600/Screenshot_20180507-003836.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"> <img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjw0QdrI8wWUqbsI3ULV8KTdAr1IQR6OI5_GT9G811vH3vboLKfP4g3fdhz3FqeeoTboEQEINPzv5H_lU07TCzQQ9n1cUuZaXmmFuo8k86hz81dAR-IgLsOKGXDSdOyTU88lSxtAsq3-5k/s640/Screenshot_20180507-003836.png"> </a> </div>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-248275999126344792018-05-17T19:00:00.001+01:002018-05-17T19:02:28.243+01:007 Tips - How To Rectify A Missed Monthly Payment<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSAUeGn_wRHOwkKOXI2vJ14dmDAY9vwJQQM58D_EeS9hm7C72KZOLB5R5E9ck6QVtoVEJo8eoAeIRfOTretBXmLszmPkQoQPg4yVKVDlsa1NousyJ31s1rnRIDysKYnA86rNw1PCWFrPg/s1600/accounting-761599_1920.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1146" data-original-width="1600" height="454" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSAUeGn_wRHOwkKOXI2vJ14dmDAY9vwJQQM58D_EeS9hm7C72KZOLB5R5E9ck6QVtoVEJo8eoAeIRfOTretBXmLszmPkQoQPg4yVKVDlsa1NousyJ31s1rnRIDysKYnA86rNw1PCWFrPg/s640/accounting-761599_1920.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">7 Tips - How To Rectify A Missed Monthly Payment</td></tr>
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<span style="font-size: large;">Hello and welcome back to yet another blog post for you. Here are my 7 tips on how you can sort out a missed monthly payment:</span><br />
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<span style="font-size: large;"><i><b>1. Don't bury your head in the sand. Immediately contact your creditor to own up about the missed payment and come to an agreed repayment plan. Be honest about what you can afford to repay and stick to it.</b></i></span></div>
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<span style="font-size: large;"><i><b>2. Set up automated payments for future payments.</b></i></span></div>
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<span style="font-size: large;"><i><b>3. Make a kind request to your creditor asking them to waive any default payment that may affect your credit score.</b></i></span><br />
<a name='more'></a></div>
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<span style="font-size: large;"><i><b>4. Put aside a set amount in your bank account that services your monthly expenses to act as a buffer in the event you miss any further payments.</b></i></span></div>
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<span style="font-size: large;"><i><b>5. Know what your regular monthly payments are, like the back of your hand.</b></i></span></div>
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<span style="font-size: large;"><i><b>6. Endeavour to set up automated payments to leave your bank account on or shortly after payday so that you can see exactly what disposable income is left over.</b></i></span></div>
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<span style="font-size: large;"><i><b>7. Budget, budget and budget.</b></i></span></div>
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<span style="font-size: large;"><i><b><br /></b></i></span></div>
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<span style="font-size: large;">How did you find these tips? If you found them very useful, be sure to click the share button so that others who may need it can benefit from it.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Did you miss our last post called 10 Ways To Stop The Spending Habit? Here's the <a href="https://www.sawyerrshousemoneylifestyle.com/2018/04/10-ways-to-stop-spending-habit.html">link</a> to the post. </span></div>
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<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;">Until next time,</span></div>
<div style="background-color: white; color: #222222; font-family: arial, sans-serif;">
<span style="font-size: large;">Much love.</span></div>
<div style="background-color: white; color: #222222; font-family: arial, sans-serif;">
<span style="font-size: large;">Deborah</span></div>
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<span style="font-size: large;"><i><b><br /></b></i></span></div>
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<span style="font-size: large;"><i><b><br /></b></i></span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-72810365852931475202018-04-22T17:19:00.001+01:002018-05-17T19:03:15.139+01:00Hawaiian Kids Learning About Money <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipb4QLOmMbGP9TTzZcQhKfavhiX93PfOx94BJHDwA3K5r1AB1IpCdLlhSGWLGTz1B1UoxkznjUTMezYk7d7f3pLEbiYS5AZEgtMPbzuKLuUD00bmcq0ZO2DMd1TZoZdrPzutnqwJ-CtsE/s1600/1426612757814.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="706" data-original-width="922" height="488" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipb4QLOmMbGP9TTzZcQhKfavhiX93PfOx94BJHDwA3K5r1AB1IpCdLlhSGWLGTz1B1UoxkznjUTMezYk7d7f3pLEbiYS5AZEgtMPbzuKLuUD00bmcq0ZO2DMd1TZoZdrPzutnqwJ-CtsE/s640/1426612757814.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Hawaiian Kids Learning About Money</td></tr>
</tbody></table>
<div dir="ltr">
<span style="font-size: large;">Hey hey. Just because you hear that a child lives in the western world doesn't make them immune from financial illiteracy. Read more <a href="http://http//m.hawaiinewsnow.com/hawaiinewsnow/db_330510/contentdetail.htm?contentguid=9RtNkeEA">here</a> on what's going on in Hawaii.</span></div>
<div dir="ltr">
<span style="font-size: large;">Until next time,<br />
Much love,<br />
Deborah</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-53720640307351732802018-04-19T11:26:00.001+01:002018-05-17T19:01:07.421+01:0010 Ways To Stop The Spending Habit<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSAUeGn_wRHOwkKOXI2vJ14dmDAY9vwJQQM58D_EeS9hm7C72KZOLB5R5E9ck6QVtoVEJo8eoAeIRfOTretBXmLszmPkQoQPg4yVKVDlsa1NousyJ31s1rnRIDysKYnA86rNw1PCWFrPg/s1600/accounting-761599_1920.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="sawyerrshouse" border="0" data-original-height="1146" data-original-width="1600" height="457" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSAUeGn_wRHOwkKOXI2vJ14dmDAY9vwJQQM58D_EeS9hm7C72KZOLB5R5E9ck6QVtoVEJo8eoAeIRfOTretBXmLszmPkQoQPg4yVKVDlsa1NousyJ31s1rnRIDysKYnA86rNw1PCWFrPg/s640/accounting-761599_1920.jpg" title="sawyerrshouse" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">10 Ways To Stop The Spending Habit</td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: large;">Hello and good day to you. Without wasting too much time, here are my <i>top 10 </i></span><span style="background-color: white; color: #222222;"><span style="font-size: large;"><i>tips on spending less money and saving more on a daily basis</i><b>:</b></span></span></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
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<ol>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deliberately leave your purse at home or in the office when you pop out for lunch and you won't have any money to spend.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bring in leftovers from the previous days dinner for lunch.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Own less belongings by decluttering, make do with the little you have knowing it's enough and know that you cannot replace the items that you've gotten rid of.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Pay your children for doing chores so that indirectly you are saving money through them.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">If you hate the feel and smell of pennies/cents(as some people) do, throw them in a jar and take them to your bank to save them.<br /><a name='more'></a></span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Open as many cheap savings accounts and automate a weekly payment to go into the accounts and before you know it, you've accumulated some savings.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Park your car a fair distance away from work, walk the rest of the way to the office, save money on fuel and get some exercise at the same time.</span></li>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ3eTx-bRHQ7nCs_GI6CoDDlrsrNO79Q8a4Bl0H_68A3Tr8M-2rzKwJm01HwMUV_TdlX7a3g0DGxtyc6hYljMQtzULtBvRsPSQeg0FSurdOAa0nIWduU4c1ZEKNLcz5E1l2_AyODXhLZQ/s1600/original-52weekmoneychallenge.jpg" imageanchor="1" style="font-family: Arial, Helvetica, sans-serif; font-size: x-large; margin-left: auto; margin-right: auto; text-align: center;"><img border="0" data-original-height="550" data-original-width="960" height="366" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQ3eTx-bRHQ7nCs_GI6CoDDlrsrNO79Q8a4Bl0H_68A3Tr8M-2rzKwJm01HwMUV_TdlX7a3g0DGxtyc6hYljMQtzULtBvRsPSQeg0FSurdOAa0nIWduU4c1ZEKNLcz5E1l2_AyODXhLZQ/s640/original-52weekmoneychallenge.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">10 Ways To Stop The Spending Habit</td></tr>
</tbody></table>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Buy your own tea/coffee for the office rather than join the office tea/coffee club - you'll avoid feeding the excessive tea/coffee drinking habit(including wastage) of everyone else.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Contribute only nominal amounts towards to the birthday card/gift collection in the office when it's a colleague special day - these add very quickly over time.</span></li>
<li style="margin-left: 15px;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Only attend 1 invite a month to the after-work drink up rather than attend every Friday.</span></li>
</ol>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Until next time,</span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Much love.</span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Deborah</span></div>
<div>
</div>
</div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-15903194129239195112018-04-16T15:18:00.001+01:002018-04-16T15:33:15.855+01:00Don't Play Yourself <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0atGCgPzQCt0mVu0uBKtTkqi8RIow9WtVL9bxzROKYNFlg-Rm-vltQydKWLhFauTn0dPrQACQsddJrH___GwCj73AwOvS63d5O6FIceBRTJAE-T4p7H8B5Od7iyITnUn_8-6vHCMQt6k/s1600/DSC_8774-Edit.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1068" data-original-width="1600" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0atGCgPzQCt0mVu0uBKtTkqi8RIow9WtVL9bxzROKYNFlg-Rm-vltQydKWLhFauTn0dPrQACQsddJrH___GwCj73AwOvS63d5O6FIceBRTJAE-T4p7H8B5Od7iyITnUn_8-6vHCMQt6k/s640/DSC_8774-Edit.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Don't Play Yourself</td></tr>
</tbody></table>
Listen to my segment "Don't Play Yourself๐ฐ๐ฒ" on <a href="https://anchor.fm/sawyerrs-house/episodes/Dont-Play-Yourself-e1b850/Dont-Play-Yourself-a334ki">Anchor</a>.Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-16369757620356010162017-11-14T15:57:00.001+00:002018-05-16T17:45:44.127+01:0052 Week Saving Challenge<script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgShbu1PqfnwlLCvJvpHKu8hUlM9UGLEw1KqkQO6KWw0vJiY7SXH2ksfvPNgQ3_xb0Lp-1mvDT9umIyVmEZXzrmAg1JYoYWnvWub4CwG560BZTsCipvgL410pCAzTwNS3StyQpWdBG6aDs/s1600/original-52weekmoneychallenge.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="550" data-original-width="960" height="364" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgShbu1PqfnwlLCvJvpHKu8hUlM9UGLEw1KqkQO6KWw0vJiY7SXH2ksfvPNgQ3_xb0Lp-1mvDT9umIyVmEZXzrmAg1JYoYWnvWub4CwG560BZTsCipvgL410pCAzTwNS3StyQpWdBG6aDs/s640/original-52weekmoneychallenge.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">52-Week Saving Challenge</td></tr>
</tbody></table>
<div dir="ltr">
<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;">Hey hey. I would like to invite you to read this great </span><a href="http://www.houseloanblog.net/52-week-money-challenge/"><span style="font-size: large;">blog</span></a><span style="font-size: large;"> post which has been 1 year in the making. </span></div>
<div dir="ltr">
<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;">The wait was definitely well worth it. One thing I'd like to say is that you can participate in all of, or part of the challenge.</span></div>
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<span style="font-size: large;">The most important thing is the benefits you'll gain from saving money. </span></div>
<a name='more'></a><br />
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<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;">However, if you want to 'catch the big fish', I'd say you go all out as you can save in excess of $4k.</span></div>
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<span style="font-size: large;"><br /></span></div>
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<span style="font-size: large;">Best of luck with the challenge. Leave a comment please to let me know how you are getting on. </span></div>
<div dir="ltr">
<span style="font-size: large;"><br /></span></div>
<div dir="ltr">
<span style="font-size: large;">Much love,<br />
Deborah.</span></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-13549700858461250022017-11-14T13:39:00.001+00:002017-11-20T14:39:15.544+00:00Money Literacy in Africa<div dir="ltr">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj82k7BTD8AWvC0Um9RRS8AawosiZ0e-UuosVxo5pqI1idA8EQnnuwNtyBBwYkFma0YQN6AVVeUM1XoXZzLRzv6mC7Hqsc3GCQuyN53t1gbAsP2bKc37Ebj-iuDarszGgFAlJFyjWIWBP0/s1600/received_10159600926785504.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"> <img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj82k7BTD8AWvC0Um9RRS8AawosiZ0e-UuosVxo5pqI1idA8EQnnuwNtyBBwYkFma0YQN6AVVeUM1XoXZzLRzv6mC7Hqsc3GCQuyN53t1gbAsP2bKc37Ebj-iuDarszGgFAlJFyjWIWBP0/s640/received_10159600926785504.jpeg" /> </a></div>
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<span style="font-size: large;">Hello and good day.</span></div>
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<span style="font-size: large;">We are taking it back to Africa with the first leg of Radical Woman Conference Tour 2018.</span></div>
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<span style="font-size: large;">Come join us please. We'd love to see you there.</span></div>
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<span style="font-size: large;">Love.</span><u><span style="font-size: large;">Deborah</span></u></div>
Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-83676232278141273202017-06-29T01:31:00.000+01:002017-11-17T01:51:21.114+00:005 Tips to Improving Your Credit Score<script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAlW1s2rUCNtzEm_d1wbq29jhXpWsjk0ksg2zsEO8uPbhfpgigvD1FR4Z9U3iDA7PQ_LDjUn65dMWrzZ8D0iTxh_EOUQrzoWDeVhHNZKZbEBcND4BqK8i9h7UpVkVsBg3RB5cUpY_Llsk/s1600/accounting-761599_1920.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="sawyerrshouse" border="0" data-original-height="1146" data-original-width="1600" height="285" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAlW1s2rUCNtzEm_d1wbq29jhXpWsjk0ksg2zsEO8uPbhfpgigvD1FR4Z9U3iDA7PQ_LDjUn65dMWrzZ8D0iTxh_EOUQrzoWDeVhHNZKZbEBcND4BqK8i9h7UpVkVsBg3RB5cUpY_Llsk/s400/accounting-761599_1920.jpg" title="sawyerrshouse" width="660" /></a></td></tr>
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Credit Score Restoration</div>
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<span style="font-size: large;">Hello as it's been a while. In todays' post, I have 5 simple tips on improving your credit score.</span></div>
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<span style="font-size: large;"><br /></span></div>
<ol>
<li><div align="left">
<span style="font-size: large;">Obtain, check and understand your credit report.</span></div>
</li>
<li><div align="left">
<span style="font-size: large;">Query your credit report for unusual transactions or accounts</span></div>
</li>
<li><div align="left">
<span style="font-size: large;">Settle or clear debts(new and longstanding).</span></div>
</li>
<li><div align="left">
<span style="font-size: large;">Avoid taking on new debt </span></div>
</li>
<li><div align="left">
<span style="font-size: large;">Regularly check your credit report but don't get obsessive about it</span></div>
</li>
</ol>
<div align="left">
<span style="font-size: large;">And as a bonus, I'll give you the most important tip which is the godfather of all tip:</span><br />
<a name='more'></a></div>
<ul>
<li><div align="left">
<span style="font-size: large;">Avoid <b><i><u>DEFAULTING </u></i></b>on your debts.</span></div>
</li>
</ul>
<div align="left">
<span style="font-size: large;">With this being said, I'd like to point out that restoring your credit score through some or all of the above <b><u>DOES NOT</u></b> prevent your creditor from reporting defaulted payments six years down the line(if you are a UK resident).</span></div>
<div align="left">
<span style="font-size: large;">My post will be of no use to you without me giving you this <a href="http://www.moneysavingexpert.com/news/tips/2017/02/totally-free-credit-report-" target="_blank">link </a>to get your credit report in a new and totally free way to get your credit <a href="http://www.moneysavingexpert.com/news/tips/2017/02/totally-free-credit-report-" target="_blank">report</a>. The information in the link is as recent as this year.</span></div>
<div align="left">
<span style="font-size: large;">I hope you enjoyed today post.</span></div>
<div align="left">
<span style="font-size: large;"><br /></span></div>
<div align="left">
<span style="font-size: large;">Deborah</span></div>
<div align="left">
<span style="font-size: large;">Much๐๐</span></div>
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Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0tag:blogger.com,1999:blog-8119520675658205536.post-42283876075562443402017-04-06T13:48:00.001+01:002017-05-15T13:27:56.378+01:00The Root Curse of Domestic Violence - Money<script charset="utf-8" type="text/javascript" src="https://ws-eu.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&MarketPlace=GB&ID=V20070822/GB/sawhoumonli01-21/8005/1eb071e6-f153-4e49-a9b5-533e0a73cc71"> </SCRIPT> <NOSCRIPT><A rel="nofollow" HREF="http://ws-eu.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&MarketPlace=GB&ID=V20070822%2FGB%2Fsawhoumonli01-21%2F8005%2F1eb071e6-f153-4e49-a9b5-533e0a73cc71&Operation=NoScript">Amazon.co.uk Widgets</A></NOSCRIPT><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpHWeovKgqOiGihHy7J442nkwwIFDiscBYo-eyEApzG-IsGUyWxDDczchynJ7NsWtBn8Ngx2-2oWFeBNk51WIsI_vzSUqIJ3FD30snA5tbxWCT5yCIpeorrtbZOANNeRSFj_QWyS6ZgkI/s1600/15.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="sawyerrshouse" border="0" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpHWeovKgqOiGihHy7J442nkwwIFDiscBYo-eyEApzG-IsGUyWxDDczchynJ7NsWtBn8Ngx2-2oWFeBNk51WIsI_vzSUqIJ3FD30snA5tbxWCT5yCIpeorrtbZOANNeRSFj_QWyS6ZgkI/s640/15.png" title="sawyerrshouse" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Deborah Sawyerr</td></tr>
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<span style="font-size: large;">Hello everyone, I hope that you have been keeping well.</span><br />
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<span style="font-size: large;">I am going to keep this one very brief today. It's been super busy lately with so many times going on. I must confess that being busy is a good sign that all is going according to plan.</span><br />
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<span style="font-size: large;">I would like to share with a huge milestone that I achieved this week, but one that would never have happened without your support.</span><br />
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<span style="font-size: large;">I am officially a published author. Yay!!! If only you could see me right now, I'm boggieing around all by myself. Thank you so much. I appreciate your continued support.</span><br />
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<span style="font-size: large;">I bet you are itching to know how you can get your hands on the <a href="https://www.bit.ly/UKLinkPaperback" target="_blank">book</a> called, Money: The Root "Curse" of Domestic Violence. </span><br />
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<span style="font-size: large;"><a href="http://www.amazon.com/" target="_blank">Amazon</a> has been a lifesaver for self publishers like us and I would like to say a big thanks to <a href="http://www.amazon.co.uk/" target="_blank">Amazon</a>.</span><br />
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<span style="font-size: large;">The book is such an easy read with a number funny stories dotted around the place. More importantly, it is a self-help ebook and paperwork designed with women in mind(men can buy it too). The book is written so that women who have, or still are victims of abuse because money is an issue, can begin to create their own wealth. And, such wealth can be created with or without money.</span><br />
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<span style="font-size: large;">I'm hoping that I will receive some many wonderful testimonials where women share their stories of how the book changed their lives and perhaps even repaired their relationship.</span><br />
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<span style="font-size: large;">If you live in the US, please use this personalised <a href="https://www.bit.ly/USLink" target="_blank">link</a> to order your copy TODAY. If you live on this side of the water being the UK, here's your personalised <a href="https://www.bit.ly/UKLink" target="_blank">link</a>.</span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguZ6qCUH-RBlCpG3H0FEBJDQ5yJEeRAgRnlMUaAtQb8xi3WTrZHxbyJwE5L9_w0fm7v13WTPTlotgajg7I3hjZNRyotK4YWHgLToi-G1N16yLUcF031LaEeBUZc4OhYNxAzwXyQOI-A00/s1600/Book+Cover+2D.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="sawyerrshouse" border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguZ6qCUH-RBlCpG3H0FEBJDQ5yJEeRAgRnlMUaAtQb8xi3WTrZHxbyJwE5L9_w0fm7v13WTPTlotgajg7I3hjZNRyotK4YWHgLToi-G1N16yLUcF031LaEeBUZc4OhYNxAzwXyQOI-A00/s640/Book+Cover+2D.jpg" title="sawyerrshosue" width="426" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Deborah Sawyerr</td></tr>
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<span style="font-size: large;">Now, I must confess that there are one or two minor issues which I hope to get sorted out and these are as follows:</span><br />
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<li><span style="font-size: large;">For my US fans, the FREE kindle version isn't quite ready. However, those in the UK can use this <a href="https://www.bit.ly/UKLink" target="_blank">link</a> to get a free kindle version.</span></li>
<li><span style="font-size: large;">Again, for my US fans, the paperback also isn't quite ready, but my UK fans can use this <a href="https://www.bit.ly/UKLinkPaperback" target="_blank">link</a>.</span></li>
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<span style="font-size: large;">I'm so sorry my US fans(I'll make it up to you soon), I have you on the forefront of my mind and I'm working very hard to hopefully get things sorted. These things happen when ones' fans are internationally based.</span></div>
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<span style="font-size: large;">Once you grab your copy of the book, I would love to hear what you think about the book - even if you've only read the first Phase of the book(yes, the book is written in phases, not chapters). I'd love to hear what you think about the style, layout, what you enjoyed about the book and what you did not quite enjoy about the book too. I welcome all honest reviews which I encourage you to leave on <a href="https://www.amazon.co.uk/" target="_blank">Amazon</a>.</span></div>
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<span style="font-size: large;">So, before I finally go, I'd like to say a big thanks to you for the support and if you are not already on my mailing list, you can join it <a href="https://app.mailerlite.com/webforms/view/247581/edit#tab_form" target="_blank">here(</a>and I'll let you into a little secret, I'm also NOT a fan of sending spammy emails).</span></div>
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<span style="font-size: large;">Until next time, be good and keep smiling as it's already Spring here in the UK.</span></div>
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<span style="font-size: large;">Deborah</span></div>
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<span style="font-size: large;"><br /></span>Sawyerrs' Househttp://www.blogger.com/profile/11024941033091968112noreply@blogger.com0