Keep it Classy with Oubly.com Review & Giveaway

This is a sponsored post in behalf of Oubly.com, though I have been compensated for this post all opinions are my own.
#oubly #easter
 
 
If there is one thing I love is stationary. I love personalizing cards for birthdays and holidays, and invitations for baby showers or dinner parties. Oubly.com is an online platform that offers stylish personalized stationery cards for all of life’s special moments. They offer a basic paper, as well as deluxe paper which you can get  tinted edge coloring – and premium packaging  -talk about classy. What’s awesome is you don’t have a huge minimum on your order – they offer low prices and low quantity – minimum purchase requirement is only 2! I love that they offer not only personal cards, but business cards as well. You can order appointment, business or note cards, address labels and more. You can order business cards for as little as .19 cents a piece!  The prices and designs are classic, and what’s even better is they offer FREE standard shipping every Wednesday!
 
#Oubly #businesscards #FreeShipping
 
 
 
Not only does Oubly offer great quality products, but they also are committed to giving back to the community. Oubly offers free printing for non-profits up to $250 plus additional discounts for larger orders.It makes me feel good to buy from a company that cares so much about giving back!
 
Go sign up now so you can get a $10 off coupon!
And don’t forget as of 4/1 you will receive a free gift for every $40 you spend!
 
#Oubly #stationary #invitations #win
 
 
 

Go check out all the great printing options on Oubly, and let me know what your favorite is, and enter to win below –
3 lucky readers will win $30 to spend on Oubly for whatever you choose!

a Rafflecopter giveaway

Posted in Reviews/Giveaways | 44 Comments

Fitness Friday: If I’m Working Out and Eating Healthy, Why am I Getting Sick?

Three years ago I hit my New Years Resolutions running – I lost nearly 50 pounds in 4 months with eating healthy and exercising. In that 4 months I had two sinus infections, a cold, and then a virus that kept me with my head in the toilet for two days. After I had the virus in which I swore I was never eating a certain food again (you know how that goes) I stopped my diet. There is something about getting sick that makes me want a burger verses a salad, and has me reaching for a Coke.

Fast forward to January 2014 when I decided again I was going to make that change – and lose the 50 pounds I gained back from my original weight loss (funny how that happens when you aren’t doing anything to prevent it). I’m down 11 pounds going into February and BAM! a cold hits me hard, keeping me from the gym, and really keeping me from eating anything at all. A week later BAM! again, I am hit with a virus that my girl’s brought home from school. What the heck? I hadn’t been this sick in… Ohhh….

It had literally been THREE years since I had gotten a virus (even though my kids had brought some pretty nasty stuff home in that time period), and even 3 years since I had a cold! What was the correlation between  it all?? I was trying to lose weight and get healthy.

Say what??

So I started to do what I always do anytime I’m curious and need to know something – I started to google it. I was amazed at how many people were experiencing the same thing I was! 

“Everytime I start exercising again, I get sick. Like I get a cold or something. This didn’t happen when I was younger but in the last 5 years it always seems to happen. Any thoughts on why this happens? I can’t get started properly because I exercise two or three times, I get a cold and have to stop for a week or so and then have to start over, get sick again…”

“In the past year, I’ve tried to start the P90X exercise program four times. And, each time I try to start it, I get sick within a week of starting.”

“It seems like everytime I have an intense weight workout, I usually end up sick afterwards (swollen glands, no energy, runny nose)”

“I started a workout routine a year ago and about a week or two into it came down with a severe head and chest cold which really threw me off my routine and lasted for several weeks. I recently started doing Power90 and the same thing is happening. I started the workout routine about a week and a half ago and I’m getting sick.”

These are just a few of the comments and concerns I found on the first few pages of people looking for answers. Out of like seriously hundreds of pages on a Google search. Why have I not heard about this? Isn’t this something our doctor’s should warn us about? What do you do to prevent getting sick when you are trying to live a healthier lifestyle?

The more I looked into it, the more I realized it’s not just one but multiple things you could be doing that will cause you to get sick, be more susceptible to illnesses and cause you to feel run down.Research is uncovering a link between moderate, regular exercise and a strong immune system. However, there is also evidence that too much intense exercise can reduce immunity and may even make you sick. Intense exercise along with other contributing factors such as: stress, poor nutrition (not enough calories, or the wrong type) , fatigue and lack of sleep, cigarette smoke (shame on you, you need to quit! and I’m talking to my sister and husband here too!) , older age, and over training.

Yikes.

I am guilty of nearly every single one of those contributing factors! When I start working out I have a tendency to go at it full force instead of slowly allowing my body to adjust to the changes. I stress a lot anyway but a lot more when I’m working out – I am always worried I won’t have time or that I’ll fall off the wagon again. That along with other daily stresses just make life rough. Poor nutrition?? Though I usually stay within my calorie goal, sometimes I am under, and I am completely guilty of eating the wrong type of calories. I’d take one big bad meal and not eat the rest of the day instead of eating healthy wholesome meals throughout the day… and sleep? What is that? Stay up late, get up early, that has been my life for a long time and it gets even worse when I am trying to make time for myself. We all know I’m not a spring chicken anymore either – sometimes when I start working out I feel like my 17/18 yr old self that was out playing softball and on the basketball court all year long.. and I push myself like it too. So obviously I need to make some major changes to keep myself from getting sick again. 

So let’s break it down:

  • Stop Stressin’ – We have all heard stress is a contributing factor to a gazillion things. So just stop. Take a deep breathe, relax, enjoy life a little. Work is always going to be there. Shut off your phone, your computer, enjoy some sunshine, play a game with your kids, take a walk with your husband/wife. 
  • Eat Right – I am not saying to ban pizza, burgers and chocolate forever. But make it special occasions – eat more fruits, veggies, less processed stuff. Plan a night out at that great pizza place for next weekend and eat smart and look forward to a ‘cheat’ meal. Don’t over eat on calories, and even worse, don’t under eat either! I had a friend who did this and it wasn’t good for her health -or her looks! Her hair got thin, and didn’t look healthy, her eyes sunk in, and her face was pale and sickly from not eating enough. Find your balance.
  • Get Your Sleep On- like stress, sleep can effect your health in many ways, including colds and viruses. Everyone is different as far as the amount of sleep they need each night (I need a good 8 to feel refreshed) but the amount of sleep vs the quality can also be a factor. If you go to bed and your not tired, you are not going to sleep well. Take a brisk walk, jog in place, or clean up the house to burn a bit of energy before you lay down. Also make sure to go to bed when you’re tired and don’t continue to try to ‘get things done’ (I am very guilty of this). You will feel much better getting up early to finish a project feeling refreshed then finishing it sloppy the night before.
  • Stop Smoking! – Like Nike says, JUST DO IT! There are many ways to quit, from gum to hypnosis but make the decision that you WILL be healthier – cutting out all the bad habits that have a negative impact on your health.
  • Be Nice to the Elderly – So you might not be 80, but you are not the youngin’ you used to be. Your bones and muscles change especially in women as they age, so take this into account and listen to your body. you may need more sleep (or less) then you did when you were younger, and your body may need more vitamins/minerals if it’s lacking.  Stretch before you jump on the treadmill or even the weight machines. Don’t making it a running start, but slow and steady. ..after all, that wins the race!
  •  Don’t Push Yourself TOO far – When you are training it’s easy to push yourself so hard that you hurt yourself – sometimes without even knowing it. Talk to a fitness or medical professional regarding where you should start, and how fast you should accelerate your work outs. Experts say you should incorporate low intensity and high intensity work outs into your weekly work out routine. Both have benefits when it comes to weight loss, and when combined create the most effective weight-loss routine.

I hope these tips help, and maybe prevent others from making the same mistakes I have. 

Have you ever noticed that you get sick more often when you work out?

 

 

**Please note this is not medical advice, if you are sick or continue with symptoms after working out, please consult your Doctor. In fact, you should consult your Doctor before starting any exercise regimen. 

Posted in Fitness Friday, Fitness/Health | 62 Comments

Breakfast On the Go: Nutri Grain Fruit & Oat Harvest Bars

I participated in an Influencer Program on behalf of Mom Central for Nutri-Grain. I received product samples and promotional item to thank me for participating.”

#NGHarvest #MC

I have mentioned before how important it is to keep nutritious yet ready-to-go snacks and meals for your family. The hardest time to do that (in my opinion) is in the mornings – at least I think it is. Between getting myself, and 3 kids ready for the day and out the door on time breakfast rarely never gets made on the weekdays in our house. If it’s not already made, pre-packaged, or can be heated up in a hurry, it is not on my grocery list for breakfast. Who has time for all that?! If you do, kudos to you but please don’t rub it in. I hate mornings – always have, and most likely always will.

#NGHarvest #MC

We are big fans of Nutri Grain bars around our house, and we always have some handy, so when I heard about the Nutri Grain Fruit & Oat Harvest bar I was excited to try it. The Fruit & Oat Harvest bars come in 2 familiar flavors – Blueberry Bliss, and Country Strawberry. With 4 grams of protein and made with real fruit & whole grains (and only 180 calories!) this is a great fast breakfast for people on the go. One of my favorite parts is the convenient individual packages that I can take with me to work – I can throw them in my purse on the go, leave them in my car or even in my desk at work (they also make great snacks for an after-lunch-pick-me-up, as well as a before bed snack)!

I actually eat my Harvest bars in the car on the way to work, but I figured that probably wasn’t the best idea to try to eat, drive and take a picture. So as I was working late the other night I wanted a snack, and thought I’d share with you just how easy it is to grab one – no matter how busy your schedule. More nutritious then a donut, or chips, Nutri Grain Fruit & Oat Harvest bars are sold in boxes of five at most retailers nationwide for $3.59 a box.

 

Posted in Fitness/Health, Reviews/Giveaways | 9 Comments

The First Step is Always The Hardest – A First-Timers Guide to Getting a Mortgage

For those of us taking our first tentative steps on the property ladder, securing a mortgage will constantly be at the forefront of our minds. But the amount of mortgage options on offer can be rather daunting (to say the least). If you want to get the best mortgage deal possible though, you’re going to want to be as clued up as possible, so we’ve collated all of the most pertinent information into this handy guide, a guide that underlines the sentiments expressed by PM David Cameron’s own ‘Help To Buy’ scheme.

Help to buy is a scheme that was instigated last year and offers lenders a guarantee against losses on properties where a home owner puts down more than a 5% deposit, allowing home owners to secure a mortgage without having to put down an unrealistically large deposit.

Whilst this scheme has made it easier for first time buyers however, it’s still far from a stress free process.

The First Steps

Before you even start considering a mortgage you should really make sure your finances are under control and make a note of exactly how much of a deposit you can afford. Consider not only how much money you have in the bank or your salary but also your credit rating, as a poor credit rating will leave you with fewer options. You might want to carry out a credit check on yourself, but be wary, as if you do this too often, you’ll leave a negative credit footprint. There will also be fees and insurance to consider that could rack up into the thousands as well as the costs of actually furnishing and maintaining your new home, so just because you can afford your deposit, that doesn’t necessarily mean you’ll be able to afford your whole mortgage down payment.

The Big Deposit

Whilst the initial deposit isn’t the only expense to consider, it is the biggest one and the size of the deposit you can afford will directly influence the value of your property and how large of a percentage of that property’s value you can put down. Traditionally the benchmark figure has always been 25% of the property’s value, but for the very best rates you’re going to probably need at least 40%. Conversely if you simply can’t raise those kind of lofty amounts there are deals available for those who can only afford to put down as little as 5% of the property’s value and since the ‘Help to buy’ scheme was implemented, these lower percentage deposits have become far more realistic.

Getting The Right Mortgage For You

The sheer amount of options (hundreds, or thousands in fact) will more than likely prove quite daunting but as long as you do your research you should at least be able to make an informed decision. There are numerous website that can be used as a reference when doing your research such at ‘This is Money’ and ‘cbonline‘ or you could take it one step further and talk to a mortgage broker.

Hiring A Mortgage Broker

A mortgage broker won’t be able to arrange the mortgage for you but they will be able to talk you through the options in a language you’ll understand and offer you informed advice that will come from years of experience. The broker will look over your finances and will help you look at the overall cost of all your potential mortgages (including all the hidden costs), then they will use this information to help you choose a mortgage that suits your situations. They might even do the lion’s share of the paperwork for you and may be able to offer exclusive deals if they have decent, long-standing links with certain lenders. Of course many mortgage brokers might charge a premium that you simply cannot afford so remember to ask them directly how and how much they stand to be paid and don’t be afraid to let them know you’ve had a better deal elsewhere. As with all parties working within the real estate industry, mortgage brokers can be incredibly competitive individuals.

To Fix Or Not To Fix?

When you decide on where to get your mortgage your next job will be choosing between a variable rate or a fixed rate mortgage. The main question you’ll need to ask yourself is whether or not you think a fixed rate would be a good idea. It’s worth noting that whilst a fixed rate mortgage might be more expensive initially, as interest rates rise it will remain the same and so could end up saving you money in the long run. Variable rate deals on the other hand will be cheaper to begin with but will increase as interest rates do likewise. As a first time buyer, a fixed rate mortgage is generally a safer bet but it really depends on the specifics of the offer (something a mortgage broker would be able to help you with).

How Long Will It Take?

There is no definitive answer to this question as it will depend on both the lender and which mortgage you’re asking for but generally the whole process will take between 2 weeks and 4 weeks.

Your Author Melissa Barber has just started to consider her own very first mortgage and hopes her research has been able to help others in the same boat.

Posted in Money Matters | Leave a comment

Aetna Foundation Digital Health Initiative

This is a sponsored post written by me on behalf of the Aetna Foundation.

Tracking Pixel

Have you ever used your phone to look up symptoms you or your family may be having because you are worried about them?

My family are googling fools when it comes to illnesses or pains and aches. When we don’t have direct access to a doctor because it’s the weekend, late at night, or let’s be honest because our doctor is so hard to get a hold of (sometimes not calling back until the next day) we take matters into our own hands and try to decide whats wrong with us. Is it serious? Do I need to go to the emergency room? Make an appointment with a specialist? Or is it something I can take care of at home? There are apps, websites, and even sometimes online doctor’s who can help ease your mind and give you the steps you need to take to get better.

Not only can we look up our symptoms, and remedies for certain ailments, but the world of fitness is at our fingertips. Need a work out to tone your arms? Want to know how many calories you should be eating a day? Glasses of water? There is a plethora of sites and apps that offer you all the information you need to lose weight, train, or just get fit.

The #digitalhealth world is alive and well on the internet – some great info, some well, not so great.

#digitalhealth #ad

 The Aetna Foundations Digital Health Initiative  supports the use of digital health technology for vulnerable and minority populations and to address public health concerns. They announced last month more than $1.2 million dollars in grants to support the use of digital health technology including mobile health for vulnerable and minority populations!

This is part of a larger $4 million dollar, three year digital health commitment from the Aetna Foundation.They are working to implement and evaluate technology innovations that help address public health concerns. The health initiative supports projects that help promote healthy choices in vulnerable and minority communities. Currently 1 in 3 cell phone owners have used their phones to access health information – and I’m sure the other 2 would if they knew how!

With advances in technology the foundation can reach millions – many who have no other access to information when they need it. Since they know that many people use their phones for a way to connect, search and access information, they want to make sure that the technology is available to everyone – especially those vulnerable and in minority populations.

#digitalhealth #ad

I want to know – have you ever used your phone or other mobile device to look up health related information? If so, for what, and what did you find?

This is a sponsored post written by me on behalf of the Aetna Foundation.

Posted in Fitness/Health | 34 Comments