Oh So Amelia

A UK FAMILY LIFESTYLE BLOG

Recent Posts

26.8.15

10 THINGS TO DO BEFORE THE KIDS GO BACK TO SCHOOL


With just one week to go until Amelia goes back to school and the weather not being too great here in North Wales, I've been trying to keep Amelia entertained in the house. I know a lot of you still have a couple more weeks left until your kids go back so I've put together a list of my favourite things to do over the summer holidays just incase you've ran out of ideas of things to do!

If you're looking for more activities to do this summer check out the Mamas and Papas #ShareOurSummer calendar which is packed with lots of great ideas for children of all ages!
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24.8.15

PROS AND CONS OF TAKING OUT A LOAN

There are many reasons why someone may wish to apply for a loan. Whether it be to pay for a holiday, a new car, a mortgage or simply to pay the bills that month. However what many people are unsure about is which type of loan they actually need. 

PROS AND CONS OF TAKING OUT A LOAN

Here are some pros and cons of personal and payday loans and why you should look into personal loans over a payday loan if you don't want to be tied under and forever taking out another payday loan each month. 

Personal Loan

A personal loan is money you borrow to pay for something you may need and that you couldn't otherwise save up for immediately, for example a car, wedding or mortgage. Taking out a personal loan is the most sensible option and here's why:

Pros
  • Spread out affordable payments
  • Choice of repayment terms 
  • Pay a lower interest rate 
  • Helps build your credit rating 
  • Only having one payment instead of multiple credit cards etc
  • Minimal documentation - most can be done online through your bank
Cons
  • You could end up with higher monthly payments
  • You need a decent credit rating to be approved
  • No part payments - most lenders require you to stick to the monthly payments
  • Some lenders charge high interest rates 

Payday Loan

Of course no one wants to be in the situation where you have to take out a payday loan to pay the bills and have dinner on the table but needs must and sometimes a payday loan is the only option available if you're unable to apply for a personal loan. 

Pros
  • Convenient, easy to apply
  • Quick cash
  • Some pay the same or next again day
  • Available to people with low credit rating
Cons
  • Expensive
  • Available to people with low credit rating
  • Some Payday loans are dishonest and can result in you being ripped off
  • Take too long to pay off
  • Interest rates are very high
  • Lenders can get access to your bank details making it hard to cancel payments
  • Only available for a short period

Have you ever taken out a loan? Do you have any advice to share based on your experience?

* In collaboration with TSB. For details on how I work with brands take a look at my work with me page.

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22.8.15

25 WAYS TO SAVE MONEY WHEN HAVING A BABY

So, if you've happened to click on this post you're most likely wanting to know how to save money when having a baby hence the title. Congratulations! A new baby is an exciting time of your lives, but it is also very expensive. However you don't want to have to worry about money in the first few weeks/months of their lives.

25 Ways To Save When Having A Baby

Here are some of my top tips on how you can save whether you have a baby on the way, have recently given birth or already have a tot in tow. 
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20.8.15

DO'S AND DON'TS OF PREGNANCY SHOPPING


Congratulations on your baby! It is a real miracle happening in your body and soon you will have a new, cute little member of a family. But wait, that doesn’t mean that you can forget about yourself and your style! It is actually a new opportunity to purchase some sweet and comfortable maternity clothing that can be worn for as long as you want. But in order to keep you in style and avoid impulse shopping, here are the most common Do’s and Don'ts of pregnancy shopping. 
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19.8.15

MAKING A HOUSE A HOME



If you follow me on Instagram you're probably already sick of my recent home decor spam, but there's nothing more satisfying than completing a project and wanting to show it off as many of us bloggers will know! 

My taste has changed over the years, a few years back it was all about the shabby chic but more recently I'm lusting over monochrome and scandinavian decor on Instagram! I can literally spend hours in the evening scrolling through Instagram, getting drawn into a random feed then finding a hashtag which then takes me to a thousand more images. My dream home would be completely white with a pop of black accents here and there with lots of greenery, a huge kitchen with an island in the middle and a huge garden. Maybe some day!
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