New Car Delivery: Shop Online, Delivered to Your Door

So I thought ordering my groceries online and having them delivered to my door was very ‘Jetson’ or ‘Back to the Future’ but hold the door – you can now shop online and have a NEW CAR delivered right to you!

Dealerships like Reedman Toll are offering a Shop, Click, Drive Program that gives you the ability to shop where ever – and when ever – you want.

Your next vehicle could be a few clicks away – right at your fingertips. Without the hassle of driving from dealership to dealership, and dealing with car salesmen (which in my experience is one of the hardest parts of the process. You have to mesh with the person selling you a car like you do with your Doctor, at least in my opinion) and you can shop for your new car from the comfort of – well just about anywhere. The steps are pretty easy – choose your vehicle, complete the steps online, and then schedule a time to sign and take delivery. (There is no obligation until you sign, so if you change your mind and don’t like the vehicle, you aren’t stuck!)

My favorite part about the Shop Click Drive program is the ability to know everything upfront – no surprises. You can estimate your payment and any trade in value, see all the different special offers and incentives, see all the ‘hidden’ cost and fees right up front, with no surprises!

If you have your mind made up on the type of vehicle that you want, this makes car shopping a piece of cake!

 

 

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Why Leasing May Be a Smart Move for You

I have talked in the past about the pro’s and con’s about buying versus leasing. As a Mom of 3 who doesn’t even want to begin to imagine what is underneath my back seat leasing right now, is not for me. But the 21 year old me, with good credit, no kids, and a brand new career? All kinds of yes!

So starting off fresh out of college, or on a career path you dress to impress right? You put your best foot forward, and you do your best to work your way up in your industry. For me, starting off in my insurance career we went to a lot of meetings – and we car pooled. Now the last thing I wanted to do is have my supervisor/boss/co-workers step foot into my ‘I-think-well-make-it-there’ junker I drove around during college. But with your salary starting out, you don’t really have the funds to buy a car that shows the image you want. So in instances like these – leasing is a really great, affordable option.

More car – for less money. Getting into a brand new car or SUV for under $200 a month, and no money down seems like a no brainer right?

Just be aware of the agreements of the lease, and make sure that your driving habits aline with the mileage limit in the lease agreement, that you keep the car in pristine (or as close to pristine as you can) condition, and continue to  save money so that after your lease is up you can purchase the car you want (or purchase the one you’ve been driving).

 

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Precautionary Action: A Guide To Family Health

The human body is a very delicate thing. Without the right care and attention, it’s easy for it to fall into disrepair, losing proper function and possibly ceasing to work altogether. Of course, this is very extreme, and it’s unlikely that a little bit of unhealthy living here and there will see you in an early grave. But, it still makes sense to think about your day to day health, along with the health of those around you. Your health impacts other areas of your life, as well. To help you to achieve the goal of a fitter family, this post will be going through all of the areas you’ll need to consider. But, first, where can you get some help with this vital part of life?

  • Appointments

While being incredibly delicate, the human body is also very complex. Thanks to this, it takes a very long time for people to learn enough about biology and medicine before they can effectively perform a job in a field like healthcare. For this reason, it’s always best to trust people in this position. They have worked hard to get there and understand health problems better than anyone else.

  • Doctor

After your child has reached the age of one, you can start taking them to see the doctor once a year. Of course, if they have any long-term health problems, you may have to take them for more regular appointments. Having a visit each year gives the doctor a chance to make sure that your child is developing properly. If you have any concerns, this time also gives you the chance to voice them to a professional. Along with this, you may have to take your child to the doctor for emergencies, like sudden illness or pain.

  • Dentist

Dental health is very easy for a child to ignore when they don’t have anyone to impress. A person’s younger years are extremely vital to their oral hygiene. As your child starts to lose their baby teeth, their new ones won’t be able to take a punishment for a long time. During this time, the way that your child eats and drinks will have a huge impact. And, of course, brushing is extremely important, too. Because teeth are so sensitive, it’s worth taking yourself and your child to the dentist at least once every three months. This is often enough time to stop problems in their tracks before they become much worse.

  • Optician

Being able to see is an amazing gift. Of course, though, it’s impossible to fully appreciate this until you’ve struggled to see for a long period. The importance of eye health is something which parents rarely consider with their children. Issues like Glaucoma only take a short time to cause real vision problems but are easy to fix if they are caught early enough. Along with this, being unable to see correctly could hinder work or school for you and your children, limiting everyone’s ability to do well. Quarterly visits to this professional are all you need to resolve this one, though.

  • Home Life

Life at home can be very unhealthy for a modern family. With loads of bad options within easy reach, a lot of people struggle to keep themselves eating well and living in a way which promotes health. When you have kids, this becomes even easier, and bad habits will pass on to your children. To avoid this, you just need to think about a few crucial areas. Below, you’ll find some examples of these important aspects of life.

  • Food

The quality of the fuel you put into your body and those of your family is very important. Eating unhealthy food all the time can have a massive impact on your body, even if you don’t gain any weight. To solve this issue, a solid meal plan is in order. Create a set menu for at least two weeks, including as many tasty and healthy meals as you can find. With this in place, it will be much easier to avoid temptation, but you’re not done yet. It will be easy to figure out what you need to buy from the grocery store, with this sort of list in mind. So, it’s just a matter of ordering it online. It will be impossible to find a way to justify eating badly when you have everything you need at home.

  • Sleep And Rest

Sleep is incredibly important to several aspects of your health, from your mental constitution to your ability to perform at work. Along with this, sleeping in a poorly made bed can cause back and neck problems in the future, for a child. To avoid this, you should make sure that you’re using good-quality beds throughout your home. To ensure a good night’s sleep, you should also think about replacing the bedding you use. A Plumeria Bay down comforter and memory foam pillows could be the perfect combination, offering both comfort and support where it’s needed. Avoiding food and electronic displays is also a good idea before you go to sleep, as these will make it harder for you to drop off.

  • Physical Activity

Everyone knows that to keep fit and healthy you have to do exercise. But, this doesn’t make it any harder for this area of life to go ignored. Unfortunately, a lot of people don’t think they have time for structured exercise at home. In reality, though, this sort of effort is worth making time for. One of the best ways to bring physical activity into your home is by getting everyone involved in a sport together. The sport you choose has to be something which everyone can enjoy. Along with this, it’s also got to be something which can be played together. Alternatively, you could try and pick up an active hobby together, like cycling or rowing.

  • Emotions

The last part of family life to consider is the emotions which bound around your home. Especially during their formative years, people are very vulnerable to their emotions. For children, this will often manifest itself very clearly, in extreme forms like anger and joy. But, as an adult, your emotions might be a little more subtle. Working to make sure everyone in the family is happy can be very hard. The best way to do this is by building trust with one another, enabling you to talk about the way you feel. Emotions are a very large part of life, so it isn’t worth pushing them under the rug.

  • Areas To Look Out For

While being very fragile, the human body is also extremely predictable, making it very easy to monitor the key areas of concern. You should do all of this for yourself, as well as your children. This will ensure that you all have the best possible chances of maintaining your health, while also teaching your children to look after their weaker parts.

  • Joints

Out of all of the mammals in the world, humans have some of the weakest joints. Considering how long they have to last for, it’s quite staggering that they can fall apart so quickly. It’s unlikely that your child will have any problems with their joints while they grow. But, it can still be worth looking out for signs of pain in areas like their knees and elbows. Along with this, you should also think about your own joints. As you get older, the chances of having problems with these parts of your body increase massively. Taking supplements like Omega3 can help, but you should also go to a professional if you ever have any pain.

  • Eyes And Teeth

As mentioned above, eyes and teeth are both very sensitive parts of your body. Without the right treatment, it’s easy for problems to quickly get out of hand. Eyes should be quite easy to monitor, as trouble with vision is obvious when you’re suffering from it. Teeth can be harder, though. A lot of dental issues don’t hurt when they first start out. Then, over time, they become worse and cause discomfort. Always take your child to the dentist at the first signs of pain in their mouth.

  • General Discomfort

Along with the doctor’s help, you can also use your body’s natural warning system to let you know when something is wrong with it. For example, if you have been feeling pain in your stomach for a long time, it’s likely that you have a problem with that part of your body. Using this information, you can take yourself to a professional whenever you need to. Of course, it’s not as easy with children, though. To spot when your child is in pain, you have to look for changes in behaviour and the way they move around. If they are limping or moaning when they stand, they might have an issue with their left. But, if they are constantly rubbing their neck, they could be hurting there. This can be a hard ability to master. But, once you do, it will be easy to notice when there’s something wrong with your child.

Hopefully, this post will give you a good idea of what can be done when you’re trying to improve your family health and fitness. In the modern world, there are more ways than ever to look after yourself and the people you love. It’s just a matter of putting in a little bit of work.

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Hiking Fun in Yellow Springs

So anyone that follows me on social media knows that my family (like legit, mom, Dad, sister, kids, niece and nephew) all enjoy going hiking. We make it a family affair (including carrying the little one on our shoulders after she poops out). I’m constantly on the look out for great places to hike that give us a bit of variety, so as I was searching I came across the area of Yellow Springs Ohio. I was super excited because it has a ton of trails (over 2000 acres of woodland and rivers edge hiking trails in Glen Helen, John Bryan State Park and Clifton Gorge). and WATERFALLS! I knew the family would be totally up for a water adventure, so after church one Sunday we headed up to Yellow Springs to see what kind of trouble we could get into!

This park is HUGE so without really knowing where we were going we found a place to park and ended up on the Glen Helen Multi-trail loop which is about 4 and 1/2 miles around.
Already this park was different than we were used to – trees that really tower, bridges, boulders and narrow paths. It reminded me a bit of Hocking Hills (I can’t wait to take the kids there this fall).

We ran across a fresh spring ‘waterfall’ within the first few minutes and the kids jumped right in (literally) it was a pretty hot day so I didn’t mind, though I wish I would of brought an extra outfit (or two) and had them wear their swim trunks!
Miss Sassy pants enjoyed playing in the water too – we do hike quite a bit, so I think she was shocked there was actually water she could play in!
The boys love to climb on anything and everything, so we allowed them where it was permitted.

About mid way in, we found the mother of all waterfalls (well, at least for the kids) and they got super excited to jump in and play. Now I am not entirely sure that playing in the falls is something that is usually permitted since on our way back out of the trails, we saw some park rangers headed to the direction of the falls with a few flyers about some rules (I still don’t know what they said for sure, but I wanted to give a disclaimer that we didn’t see anything posted when we let the kids play)

But the boys had a blast and didn’t want to leave! I love seeing them enjoy the outdoors and not have their nose stuck in a tablet or playing video games. I would take them hiking every day if I could.

We enjoyed a few hours of hiking, stopped and had a picnic lunch at one of the picnic areas and headed home, but we will be back!
If you are looking for a fun new place to hike you definitely need to check it out!

 

 

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Learning How To Cut Back On Your Spending

Cutting back’ is something that everyone dreads to hear. The thought of having to adjust your spending and make savings isn’t exactly fun. With life being as unpredictable as it is, however, making savings from time to time is a necessity but in most cases doesn’t have to be permanent. If you’ve never been great at saving or haven’t got a clue where to start, you could get some good tips on learning to cut back below.

Why you might need to cut back

There are multiple reasons why you might have to cut back on your spending. You might have a large expense to save for such as a wedding or a vacation. You might have lost your job or moved to a job that pays less. Unexpected expenses such as car or home repairs are another reason that you might have to make some adjustments to your spending. You may also need to cut back when your credit is bad, and you’re trying to prepare to make a big purchase such as a new house. Even if there is nothing major happening in your life that you need to save for, everyone can benefit by cutting back to free up some additional savings.

It starts with working out your outgoings

To be able to cut back effectively, you’re going to need to know how much you spend each month on everything from bills and housing costs to entertainment and luxuries. Set up a spreadsheet and record the exact amounts (not estimates) that come out each month. Add your income and work out what’s left once you remove all of those expenses. If it’s not much, then you will need to make some changes to be able to factor in some savings or to pay something off.

Some outgoings can be written off straight away. If you’re paying for memberships that you’re not using, make sure that you cancel these to free up some money instantly. For other expenses such as your cell phone or credit card bill, see if you can switch providers to benefit from a reduced rate and help you make easy savings without having to cut back. Could you go to a cheaper gym or better yet, work out from home? When looking at ways to cut back, it’s important not to make rash decisions. Do not cancel your health and other types of insurance, as the cost of being without these can be far more than what you’d be saving each month.

Many costs can easily be reduced, including your energy bills. See what’s possible to adjust and then see what your shortfall is to see how much you need to cut back in other areas.

Being more frugal

To be able to really cut back, you’re going to need to adjust your shopping habits. You can benefit from the wisdom of many frugal shoppers to help you save money with tips you’ve never considered. Most of us shop in the way that’s most convenient for us. This means buying from the closest store or impulse buying when we see something that we like. However, by shopping around and thinking a bit more before making purchase decisions – you could save yourself a lot of money.

Grocery shopping is one of the ways you can cut back the most on your monthly expenses. Shopping for reduced items or those that are on sale will save you a lot, provided that you use the food that you buy. Buying frozen fruit and vegetables will cut out preparation time, and save food waste that is also damaging to the environment. Planning your meals for the week in advance and creating a grocery list based on that plan will mean that you only buy what you need and aren’t tempted by treats and foods that may not get eaten.

 

With clothes, you can cut back easily by changing where you shop. If you have expensive tastes, you might want to consider popular fashion brands instead. You can get some great clothes that are on-trend and affordable, and mix them in with your existing pieces. It’s also a good idea to take advantage of discount coupons when shopping online as these could save you a lot of money on necessary purchases.

 

Grooming is another area that you might want to cut back on. Switching your shampoo or facial cleanser could help you save a few dollars, especially if you buy these products regularly. You might want to stop buying new products that you don’t necessarily need and try different salons for haircuts, waxing, etc. There is more to feeling good about how you look than how much you spend on achieving it. Many beauty treatments such as manicures can be done at home, so if you’re trying to cut back, these are some of the first things that should go.

Making long term changes

After cutting back on many of your usual outgoings, you might find that what you were spending before was wasteful and unnecessary and form new habits for life. If your financial situation shows no signs of improving in the near future, you might want to consider making long term changes such as moving house or selling your car. These things might seem drastic, but if it helps you get out of debt and make it more affordable for you to live – they’ll be worth it.

 

Improving your financial situation takes patience, but that doesn’t mean you should deprive yourself. Allow some room in your budget to cover some luxuries and entertainment, but on an adjusted scale to before. If your focus is on saving all the time, life can seem very dull. Having things to look forward to will make it easier for you to stick to your savings plan and less likely to turn to avenues that could lead you into debt.

 

Learning to cut back is tough, but with a positive outlook and focus on why you’re doing it – you can be happy. Finding bargains and making savings can make you feel good and you might find that you have more money to spend on things that you love or vacations as a result. It will all be worth it when you succeed at making the savings you need.

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