This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Friday, January 30, 2015
Friday Giveaway Link Up 1/30/15
Have a great weekend everyone!!
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Friday, January 23, 2015
Friday Giveaway Link Up 1/23/15
Have a great weekend everyone!!!
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Wednesday, January 21, 2015
Date Night Or Day, Is More Fun With KY #YoursandMine #Ad #CollectiveBias
This shop has been compensated by Collective Bias, Inc. and
Ben and I just celebrated our 11th wedding anniversary, and we have been together now for 15 years. I can honestly say at this point, we are very comfortable with each other!!
Comfortable is good, but not for everything. When you have been together for as long as we have, you know what each other likes, and things become repetitive. When you have kids, it becomes even worse.
Now that both of our babies are of school age, Ben and I have a couple hours to ourselves five days a week. The first couple of days we were free, involved getting use to not having a child at home. We've had at least one here everyday for 8 years!! After awhile we started to realize the potential of having this alone time together!!
At least three days a week, we head to the gym together after we drop the kids off at school. On one or more of those days, we enjoy going out to eat together. We can go to restaurants that don't have crayons on the table (all though that's where we usually end up anyway!!) We try to talk about things other than the kids. We have always had a great relationship where we can do that, but on these "dates" we make it mandatory to not talk about the kids at all. It's nice to get caught up on things we accomplish at work, or books we've read etc. We also enjoy going shopping together, and get to check out new and exciting products for the two of us. Walmart is our favorite stop for more personal items!!
The other two days of the week are spent at home. We get to sit together and cuddle while watching our favorite shows. No kids in the background yelling "Mommy!!" Plus, even though we are old, cuddle time can lead to more intimate moments, and being completely by ourselves has many perks!!
K-Y® YOURS+MINE is a terrific item to have readily available. There are many ways for you to show your partner intimacy, and K-Y® YOURS+MINE makes that time even more enjoyable. One of the things I love the most about the KY Yours+Mine is that the bottles are pocket sized, so they can go with you anywhere!! Free time with Ben is very important to me, and we like to spice things up. I want to be able to enjoy as much time with him as possible!!
With the New Year here, Ben and I have made one of our resolutions to find new and creative ways to keep things fun between us, and not always routine. K-Y® YOURS+MINE makes that easier for you with their new special Date Night deal that is coming soon! K-Y® DATE NIGHT (shipping to stores in Jan 2015) is a $50 value including: 1 free meal for two people from PEACHDISH.com delivered to your door for an intimate night of cooking together, a $5 VUDU movie credit for you to stream right at home and the pleasure of K-Y® YOURS+MINE Couples Lubricants. Perfect for a date night in! You can get the Date Night pack at Walmart.com for discreet purchasing!! For more great ways to improve your relationship in the New Year, visit K-Y.com as well!!
How do you spend quality time with your significant other?? Do you have any New Years Resolutions to spend more time together??
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Ben and I just celebrated our 11th wedding anniversary, and we have been together now for 15 years. I can honestly say at this point, we are very comfortable with each other!!
Comfortable is good, but not for everything. When you have been together for as long as we have, you know what each other likes, and things become repetitive. When you have kids, it becomes even worse.
Now that both of our babies are of school age, Ben and I have a couple hours to ourselves five days a week. The first couple of days we were free, involved getting use to not having a child at home. We've had at least one here everyday for 8 years!! After awhile we started to realize the potential of having this alone time together!!
At least three days a week, we head to the gym together after we drop the kids off at school. On one or more of those days, we enjoy going out to eat together. We can go to restaurants that don't have crayons on the table (all though that's where we usually end up anyway!!) We try to talk about things other than the kids. We have always had a great relationship where we can do that, but on these "dates" we make it mandatory to not talk about the kids at all. It's nice to get caught up on things we accomplish at work, or books we've read etc. We also enjoy going shopping together, and get to check out new and exciting products for the two of us. Walmart is our favorite stop for more personal items!!
The other two days of the week are spent at home. We get to sit together and cuddle while watching our favorite shows. No kids in the background yelling "Mommy!!" Plus, even though we are old, cuddle time can lead to more intimate moments, and being completely by ourselves has many perks!!
K-Y® YOURS+MINE is a terrific item to have readily available. There are many ways for you to show your partner intimacy, and K-Y® YOURS+MINE makes that time even more enjoyable. One of the things I love the most about the KY Yours+Mine is that the bottles are pocket sized, so they can go with you anywhere!! Free time with Ben is very important to me, and we like to spice things up. I want to be able to enjoy as much time with him as possible!!
With the New Year here, Ben and I have made one of our resolutions to find new and creative ways to keep things fun between us, and not always routine. K-Y® YOURS+MINE makes that easier for you with their new special Date Night deal that is coming soon! K-Y® DATE NIGHT (shipping to stores in Jan 2015) is a $50 value including: 1 free meal for two people from PEACHDISH.com delivered to your door for an intimate night of cooking together, a $5 VUDU movie credit for you to stream right at home and the pleasure of K-Y® YOURS+MINE Couples Lubricants. Perfect for a date night in! You can get the Date Night pack at Walmart.com for discreet purchasing!! For more great ways to improve your relationship in the New Year, visit K-Y.com as well!!
How do you spend quality time with your significant other?? Do you have any New Years Resolutions to spend more time together??
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Friday, January 16, 2015
Friday Giveaway Link Up 1/16/15
Have a great weekend everyone!!!
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Monday, January 12, 2015
Banquet Meals On Rollback At Walmart!! #LowPriceMeals #CollectiveBias #Ad
This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #LowPriceMeals #CollectiveBias
During the final months of winter I'm enjoying warm satisfying meals with savings from Walmart. Banquet dinners and pot pies are cutting our grocery cost without losing the great quality and taste of a hot meal. Until February 24, 2015, all Banquet dinners and pot pies are on rollback at Walmart for $0.80 each. With a great variety of meals including salisbury steak, pepperoni pizza, and lasagna you can plan a great family meal at a low cost. Be sure to head to Walmart and stock up on this great deal while supplies last!
See the entire list of great frozen banquet dinners on rollback price: https://docs.google.com/spreadsheets/d/12MWYZijbUa...
While shopping at Walmart, be sure to look for the Rollback signs for Banquet in the freezer section!
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
During the final months of winter I'm enjoying warm satisfying meals with savings from Walmart. Banquet dinners and pot pies are cutting our grocery cost without losing the great quality and taste of a hot meal. Until February 24, 2015, all Banquet dinners and pot pies are on rollback at Walmart for $0.80 each. With a great variety of meals including salisbury steak, pepperoni pizza, and lasagna you can plan a great family meal at a low cost. Be sure to head to Walmart and stock up on this great deal while supplies last!
See the entire list of great frozen banquet dinners on rollback price: https://docs.google.com/spreadsheets/d/12MWYZijbUa...
While shopping at Walmart, be sure to look for the Rollback signs for Banquet in the freezer section!
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Friday, January 9, 2015
Monday, January 5, 2015
Home Ownership Is Possible
If you would like to own your own home, but don’t think you can afford it, it may be worthwhile to speak to a mortgage specialist to find out the many home loan types available. There are several different ways you can borrow money to own a home, and some of them make it easy.
FHA Insured
The Federal Housing Administration (FHA) has a list of approved lenders who provide loans that are mainly for first-time buyers. You can get either a fixed or adjustable interest rate, and they offer higher loan-to-value rates. These loans are insured by the FHA which means that it will pay the mortgage if you cannot. An FHA loan requires a lower down payment and is usually much easier to qualify for than a conventional loan.
Conventional Loans
Conventional loans are available in fixed-rate or variable-rate and each has its advantages and disadvantages. A fixed-rate loan is great when the interest rate goes high. You continue to pay your low interest rate and your monthly payments don’t change. This means you can make a budget and stick to it and is your best option if you plan to keep your home for more than five years.
An adjustable rate mortgage is your best option if the interest rate is very high when you buy your home. When the rate drops, your payments will also go down. This is the best choice if you plan to sell your house soon, expect the interest rates to drop soon or plan to make a higher salary in the near future.
Refinancing
The Home Affordable Refinancing Program (HARP) lets you refinance your mortgage even if you are in financial difficulties. If you owe more on your mortgage than your house is worth, you should consider a HARP loan. You can get a new loan without a new appraisal of your home. You may also get a very low interest rate.
Veterans Affairs
A VA loan is especially for veterans and is backed by the Department of Veterans Affairs (VA). They require a very small down payment or no down payment and are much easier to qualify for than conventional loans. They are available if fixed-rate or variable-rate and are quickly approved.
It’s worth looking into the different types of home loans available because there may be one that fits your financial situation perfectly, and will allow you to become a homeowner sooner than you thought possible.
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
FHA Insured
The Federal Housing Administration (FHA) has a list of approved lenders who provide loans that are mainly for first-time buyers. You can get either a fixed or adjustable interest rate, and they offer higher loan-to-value rates. These loans are insured by the FHA which means that it will pay the mortgage if you cannot. An FHA loan requires a lower down payment and is usually much easier to qualify for than a conventional loan.
Conventional Loans
Conventional loans are available in fixed-rate or variable-rate and each has its advantages and disadvantages. A fixed-rate loan is great when the interest rate goes high. You continue to pay your low interest rate and your monthly payments don’t change. This means you can make a budget and stick to it and is your best option if you plan to keep your home for more than five years.
An adjustable rate mortgage is your best option if the interest rate is very high when you buy your home. When the rate drops, your payments will also go down. This is the best choice if you plan to sell your house soon, expect the interest rates to drop soon or plan to make a higher salary in the near future.
Refinancing
The Home Affordable Refinancing Program (HARP) lets you refinance your mortgage even if you are in financial difficulties. If you owe more on your mortgage than your house is worth, you should consider a HARP loan. You can get a new loan without a new appraisal of your home. You may also get a very low interest rate.
Veterans Affairs
A VA loan is especially for veterans and is backed by the Department of Veterans Affairs (VA). They require a very small down payment or no down payment and are much easier to qualify for than conventional loans. They are available if fixed-rate or variable-rate and are quickly approved.
It’s worth looking into the different types of home loans available because there may be one that fits your financial situation perfectly, and will allow you to become a homeowner sooner than you thought possible.
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
New Year, New Coupons!!! 1/5/15
This post is written by Sarah Coulsey. She is a Wife, and Mother of two boys living in New England. This post may contain affiliate links.
Subscribe to:
Posts (Atom)
