Want to arrange an enjoyable and successful party?

Who doesn’t love to party? I can see the sparkle in your eyes after hearing the word ‘party’. Even if you’re not a social butterfly, I’m sure you love partying sometimes. I love partying and I’m waiting for the summer season.

However, are you one of those who thinks arranging a party is a tough task? It’s not so. Here are 9 tips to arrange a successful party.

    • Decide where you want to throw the party – Do you want to throw the party at your home or have you decided a venue? You can pick the place as per a theme you have in mind. For example, some restaurants have jungle theme; so, if you want that theme, you can arrange the party in such a restaurant.
    • Fix a date and time – If you’re hosting the party other than your home, then talk to the management and decide a convenient date and time, so that you can make the reservations. Pick a date and time which will be convenient for most of your guests.
    • Prepare the invitation list – When you think of arranging a party, first of all, decide the invitation list. Usually, 70-80% of the people, you’re inviting, actually turn up. So, if you wish, you can send more invitations than the capacity of your venue.
    • Plan a budget – When you decide about the invitations, at first, plan a budget. It should include itemized list such as decor, food, drink, along with miscellaneous items.
    • Send invitations – I like calling people to invite them to the party. Then, I send an invitation via e-mail. It becomes easier for the invitees to respond back confirming whether or not they would join the party.
    • Plan the decor – Even if you’re hosting the party at a restaurant, talk to them and decide about the decor. It should be as per the theme of your party.
    • Plan the menu – If you’re throwing the party at your home, then decide whether you’d prepare the items or order food from outside. If you’re preparing yourself, then start doing it in advance. Order in advance if you’re ordering food from outside.
    • Clean the house if required – If the party is at your home, then decide an area where your guests will sit, chat and eat. Make sure you clean the area and make necessary arrangements so that your guests feel comfortable. A useful tip: Keep some cleaning stuff around. You never know if someone spills something on your furniture.   Also, make sure there are enough toilet papers stacked in the restroom.
    • Take pictures to create memories – Of course, you’ll like to post pictures on the Facebook about the party. So, make sure your cameras are ready for pictures and videos. You can also hire a professional if you want to. You can enjoy the party for some hours but the pictures will make good memories throughout your life.

It is a good gesture to give a token from the party, if possible, to your guests. It can be the leftover food, a cupcake, etc.

Also, make sure you tag everyone while posting pictures on the social websites.

So, when and where are you partying next?

Categories: Miscellaneous

Are you aware of these unique actions that hurt your credit score?

In my one of my previous blog posts, I’ve discussed the factors that don’t influence your credit score. I hope you’ve been benefitted. But, do you know that your actions can also damage your credit score? Yes? You got me right! The actions below can take its toll on your credit score.

Here is a list of 4 unique actions that actually hurt your credit score:

1. Ignoring the library fines

It is silly if you think that paying a library fine of $5 may harm your finances. However, ignoring the library fine can cost you even more. Do you know some libraries have been sending unpaid fines to the collection agencies? And once it reaches the collection agency, it pops up on your credit report. Above that, the collection agency would quickly add its fees to the fine, pouring salt on a wound. Your library fine could easily balloon into $20 or $30 cost after adding the fees of the collection agency while bringing down your credit score.

2. Purchasing a new cell phone

It is good that you are buying a new cell phone. When you sign up for a contact, cell phone providers check your credit. Generally, they run soft inquiries, which don’t damage your credit score. If they perform a hard credit check it seems that you’re applying for credit. And you know very well that hard inquiries may pull your credit score down.

3. Having unpaid parking tickets

Some jurisdiction report unpaid parking tickets to collection agencies. Do you know your credit score gets hurt if you ignore traffic tickets and other violations? The longer you ignore your parking tickets, more will be the penalties added by the city and state governments. They can also report these to the credit bureaus as debts. Even if you migrate to another state, the credit bureaus would reach you as they know your identity well. It’s because once a ticket is penned down, your license plate is recorded and it is run.

4. Cancelling gym membership inappropriately

Are you the one who pays the monthly fees using an automatic withdrawal or with a credit card? Though it unifies the process, it can also create complications for you eventually. Gyms have proper cancellation procedures including paperworks.

You can face problems if you contact the credit card or bank and ask them to stop the automatic payments to the gym. If you’re not filling out proper paperwork to cancel the gym membership, then it would get reported to the credit bureaus as unpaid. Moreover, your account could be reported to the collection agency. And you know once it happens, it would damage your credit score.

Even if you don’t have automatic payment arrangement and choose to cancel the gym membership improperly, some gyms may take action against you. So, follow proper cancellation procedures to save your credit score from getting hurt.

Do you know any other unique actions that hurt your credit score? If yes, then leave a comment below.

Categories: Finance

Is it possible to balance work and family at the same time?

I have noticed that most of the working moms feel guilty that they have to leave their child at home or they can’t spend enough time with the child. Rather, every working mom should feel that they’re earning dollars, which in turn, definitely helps in the upbringing of the child.

Studies have revealed that adult men, who grew up with working moms, spend on about 7.5 hours more on childcare every week. The daughters of working mothers also grow up to be confident.

So, stop feeling guilty and try to strike a perfect work-life balance. I have seen many of my friends doing so. I’m discussing 9 tips shared by them.

  1. Look for a quality childcare – The support system needs to be good in order to excel in both professional and personal life. So, at first, look for a quality childcare. Make a list of criteria which are important and interview qualified child care providers. You can schedule a paid playdate with your child and see how your child and the nanny are interacting with each other. A good child care provider should have required experience, a good reference and a record to prove.
  2. Create a support network – Connect with the other parents of your child/children in your neighborhood and create a support network. You can drop 2 kids to school and any other parent can pick them up from school. This way you can have one less trip.
  3. Get organized every night – Even if you’re tired, get everything organized at the night during the weekdays. It means, deciding what you’ll wear, pack the lunch, etc. Also, pack all your bags and keep them in such a place from where you can just grab and go.
  4. Make a to-do list – You may think that it’s a waste of time to make a to-do list. However, in reality, it can save your time. So, sit down and prepare a to-do list for the week. You can perform better as you won’t have to remember the things. You can also put an alarm for the important things that need to be done. You can divide the list into 2 portions – Work and Home. You can simply scan through to see what needs to be done, do it one by one and keep ticking off.
  5. Discuss and share the chores – You may try to be a supermom by doing all the work alone but, it is not possible. Instead, discuss with your partner and family members and share the work. You can even involve your kids in the discussion. They will love to do these work.
  6. Stay connected with your child – You can chat with your children even if you are not together. You can record your voice or sing on a video along with your children. You can also record a storybook. Your child can hear or view it when you’re at your office. If your child has any event and you won’t be able to attend it, then in the morning, you can gift a good-luck charm with a personal note.
  7. Take out time for family activities – It is very important to spend quality time with your children. If you’re busy, then try to have family breakfast daily; also, arrange a family night per week when you’ll play video games with your child or watch a movie together. If you can’t interact with your children during the weekdays, plan family outings and discuss with your kids their interests, hobbies, friends, activity suggestions, etc. Avoid checking your phone and talking about work during this time.
  8. Schedule a daily me-time – This is very important, even if it’s half ‘n’ hour every day. If you can’t spend even 30 minutes, break it into 10-minute breaks. This can also help. Do whatever you like – take a stroll, read a book, do some exercises, sit in front of TV with a cup of coffee, etc. This will help you feel more balanced and fulfilled.
  9. Spend some we-time – This is equally important. So, schedule some we-time at least during the weekends. After your kids go to sleep, spend time with your partner watching a movie, or plan a vacation. What you do is not important but doing it together is important.

Above all, it is very important to be at 100% work and at 100% home. So, make a routine and manage your hours efficiently so that you can finish work at your office and don’t have to carry your work to your home. If you’re working from home, designate hours when you’ll do your official work and have some time to spend with your children. This way, you’ll be able to excel in your career and enjoy with your children, at the same time.

So, what is your tip about striking the perfect work-life balance?


Categories: Miscellaneous