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Today we’ll review “Texas Trust Home Loans,” which refers to itself a leading, low-cost online mortgage company based in, you guessed it, Texas!

The company makes three big declarations: that they offer low rates, can close your loan in just 21 days, and are top rated based on customer reviews.

Let’s find out more to determine if they are living up to those lofty goals and ultimately making their clients happy.

Texas Trust Home Loans Fast Facts

  • Direct mortgage lender that offers home purchase and refinance loans
  • Founded in 2015, headquartered in Dallas, Texas
  • A dba of parent company American Heritage Capital, LP
  • Licensed to do business in five states nationwide
  • Low-cost online mortgage lender that aims to close loans in just 15 to 21 days

Texas Trust Home Loans is a Dallas-based direct-to-consumer mortgage lender that offers home purchase loans and mortgage refinance loans.

This means they serve both existing homeowners and those looking to purchase a home, remotely via their call center in Texas.

If you apply, you’ll be working with a loan team online and/or by phone to close your loan, with their aim to fund loans in just 15 to 21 days, which is super fast.

The company got its start back in 2015 and is actually a dba of parent company American Heritage Capital, LP, which also operates brands like Lendova.

At the moment, they are licensed in just five states nationally, including Colorado, Florida, Texas, Virginia, and Washington.

How to Apply with Texas Trust Home Loans

  • Call or simply visit their website to begin your loan application
  • You can search real-time mortgage rates then apply if you like what you see
  • They offer a digital home loan experience from start to finish using the latest tech
  • Most tasks can be completed electronically including secure document upload and eSigning of disclosures

To get started with Texas Trust Home Loans, you can call them up directly on the phone or just head over to their website.

My preference is their website, where you can search daily mortgage rates, then compare the many loan options side-by-side to determine which is best for your situation.

Assuming you find something you like, there’s a “next” button located next to each option that leads you directly to a digital mortgage application.

At that point, simply sign up, fill out the online application, upload any required documents, review and electronically sign your loan disclosures online, and you’ll be off to the races.

They say their All Digital Mortgage could save you up to $4,250 due to lower overhead, with the savings passed onto their customers.

Once submitted, you can sign in 24/7 to check loan status, access your to-do list, or get in touch with your loan team if you have questions or concerns.

Texas Trust Home Loans appears to make it easy to apply for and close a loan quickly thanks to their use of the latest fintech.

Loan Programs Offered by Texas Trust Home Loans

  • Home purchase loans
  • Refinance loans: rate and term, cash out, streamline
  • Conforming loans backed by Fannie Mae and Freddie Mac
  • Jumbo loans
  • FHA loans
  • Fixed-rate loans: 10, 15, 20, 25, and 30 year terms
  • Adjustable-rate loans: 5, 7, and 10-year ARMs

Texas Trust Home Loans Rates

One advantage to shopping with Texas Trust Home Loans is the fact that you can view mortgage rates directly on their website.

No need to call anyone or reveal any of your personal information first. Simply head to their website and click on “Rates.” They also have some sample mortgage rates right on their homepage.

From there, you’ll be able to tailor your search by providing borrower and property details to get accurate, up-to-date mortgage rates.

You’ll see multiple options that vary in closing costs, with the cheapest interest rates displayed requiring discount points be paid, and the more expensive rates requiring nothing out-of-pocket thanks to lender credits.

This allows you to decide on a perfect combination of rate and fee, whether you want the lowest payment possible or the least amount of fees.

They also advertise on Bankrate, and from what I saw were charging a $1,495 loan origination fee.

It’s unclear if they charge this fee on all their loans, or only via third-party sites where they advertise.

Regardless, it appears that all their loans can be structured so borrowers don’t pay any fees out-of-pocket thanks to those credits.

While Texas Trust Home Loans does not charge an application fee, they do require an upfront payment between $450.00 to $1200.00 (depending on the property type and location) for the cost of the home appraisal, which is non-refundable.

This is pretty standard practice, as all mortgage lenders tend to want some assurance that you won’t apply then go elsewhere for a better deal.

All in all, they seem to offer low rates as advertised, but do take the time to gather several mortgage quotes to ensure you snag a good deal.

Texas Trust Home Loans Reviews

On Bankrate, the company has a perfect 5-star rating from nearly 600 customer reviews, with literally only a couple not rated 5/5.

Additionally, 100% of those who reviewed the company would recommend them to others.

Over at Google, Texas Trust Home Loans has a similarly strong 4.7-star rating from about 300 reviews, so it’s clear they are earning top marks in customer satisfaction consistently.

Their parent company American Heritage Capital isn’t Better Business Bureau accredited, but does have an ‘A+’ rating based on complaint history.

Furthermore, they’ve only had one complaint closed in the past three years, and none in the past 12 months.

In summary, Texas Trust Home Loans seems to live up to their promise of offering low rates, fast closings, and stellar customer service.

I particularly like their transparency when it comes to mortgage rates and fees, and the fact that you can complete most tasks on a self-serve basis if you’re comfortable doing so.

Texas Trust Home Loans Pros and Cons

The Pros

  • Offer a digital home loan experience
  • Can apply for a mortgage online without any human assistance whatsoever
  • Openly display their mortgage rates on their website without need to login
  • Transparent about all fees including lender and third-party charges
  • Appear to offer low interest rates with limited or no lender fees
  • Plenty of loan programs to choose from
  • Their parent company has a A+ BBB rating
  • Online learning center where they educate on mortgages
  • Excellent reviews from past customers across different ratings websites

The Cons

  • Only licensed in a small handful of states
  • Limited physical locations
  • Don’t appear to offer VA or USDA loans

(photo: Ray Bodden)

Source: thetruthaboutmortgage.com

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Since 44.4% of the Consumer Price Index is shelter inflation, it’s a massive deal in economics that rents took off in the last two years. Without rents taking off, the CPI data would look much more tame, like what we saw from the years 2000-2019.

As you can see in the chart below, core CPI wasn’t exploding at all this century until COVID-19 hit us. More supply of apartments coming on line will be good news for mortgage rates going forward. The history of global pandemics has always been inflationary early on, as the production of goods gets hit immediately. Then things tend to cool down over time from their inflationary peak level.

Over the next 12 months, the CPI data will account for the real-time cooling down of shelter inflation. And just like the data lagged early on when shelter inflation took off; the opposite will happen over the next year.

Tuesday’s housing starts data does show some promise on the front of attacking inflation and helping lowering mortgage rates, so let’s look at the report and find out what I am talking about.

First, however, remember that the housing market is still in a recession, which I wrote about on June 16, 2022. Housing permits have been falling as the builders simply have too much supply to be confident in building homes again. The housing market is still in a recession until housing permits rise in duration. Even though the builder’s confidence index has been rising recently, it still hasn’t led to a significant uptick in housing permits.

From Census: Building Permits Privately‐owned housing units authorized by building permits in March were at a seasonally adjusted annual rate of 1,413,000. This is 8.8 percent below the revised February rate of 1,550,000 and is 24.8 percent below the March 2022 rate of 1,879,000.  Single‐family authorizations in March were at a rate of 818,000; this is 4.1 percent above the revised February figure of 786,000. Authorizations of units in buildings with five units or more were at a rate of 543,000 in March.

As you can see in the chart below, this looks nothing like the housing peak in 2005 and the crash toward 2008. Back then, housing permits were collapsing as new home sales fell 82% from the peak. Currently, new home sales have been trending better as the builders are taking advantage of low existing inventory. Of course, once we get lower mortgage rates, that should help the builders sell more homes.

The big difference in this housing recession versus other cycles is that housing completions are still rising, which is unusual. However, because of the COVID-19 delays, we are still working through a backlog of homes under construction.

From Census: Housing Completions Privately‐owned housing completions in March were at a seasonally adjusted annual rate of 1,542,000. This is 0.6 percent (±13.3 percent)* below the revised February estimate of 1,552,000, but is 12.9 percent (±18.6 percent)* above the March 2022 rate of 1,366,000. Single‐family housing completions in March were at a rate of 1,050,000; this is 2.4 percent (±12.4 percent)* above the revised February rate of 1,025,000. The March rate for units in buildings with five units or more was 484,000.

As you can see below, completions are like a slow-moving turtle, but they are still rising, so while housing permits are falling, consistent with the housing recession, housing completions are a different story.

Now the data line that excites me the most, of course, is shelter inflation, meaning the growth rate of rent inflation, because it’s cooling down already. This is something I talked about on CNBC last September on the day the CPI report was being reported.

As shelter inflation and wage growth cool down, we are adding more supply, not subtracting. This is key for mortgage rates looking out for years to come. As you can see in the chart below, we have a historic number of 5-unit construction in the works. This is the best way to fight inflation — with supply, with more choices, and landlords having to compete with more supply, preventing them from raising rents faster. The goal should be getting these units out as fast as possible.

One thing that will likely happen soon is that 5-unit builds under construction will start falling, such as we see with single-family homes under construction. With the Federal Reserve wanting a job-loss recession and banking credit getting tighter, apartment construction should fall like it did in the recession of 1974. I just hope it doesn’t collapse down like it did in the recession of 1974. As we can see in the chart below, the single-family units under construction are already falling as they should.

While the housing starts data doesn’t look like too much is happening and still has a recessionary vibe, we have some positive data in these reports.

As the cost to borrowers rises and credit gets tighter, we should be grateful that we have many apartments under construction. Just imagine if rental inflation wasn’t cooling down in real time, and we didn’t have these apartments in the works — it would look like the 1970s again.

That is the last thing the housing market and the U.S. economy need, rent inflation taking off as it did in the mid and late 1970s. This would mean mortgage rates have room to go higher and stay higher.

As you can see in the chart above, after the burst in housing inflation coming from the 1970s, things started to calm down. You can also see why and how inflation wasn’t a problem this century until COVID-19 hit us. That is the history of global pandemics, inflation data gets wild as supply chains are broken, and then things get back to normal over time.

Source: housingwire.com

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There is more mortgage pain to come for the UK’s homeowners, many of whom are yet to feel the full impact of rising interest rates, according to a think tank.

The trend towards homeowners taking out longer fixed-rate mortgages has delayed the impact on some households, with two-thirds of the eventual £12 billion increase in annual mortgage costs still to be passed on, the Resolution Foundation said.

The Bank of England increased the base interest rate to 4.5% from 4.25% on Thursday – the 12th rise in a row since rates started going up in December 2021.

The average mortgage holder could see their monthly interest payments jump by around £200 a month if they fixed to a new rate this year, the Bank’s economists estimated.

Simon Pittaway, senior economist at the Resolution Foundation, said: “While interest rate rises might be coming to an end, there will be plenty more mortgage pain to come.”

Around four-fifths (81%) of outstanding residential mortgages in December 2022 were fixed-rate deals, according to UK Finance figures. This group will not feel the immediate impact of base rate rises until their deal ends.

The foundation said that, while the Bank’s rate-rising cycle has been sharp, the growing popularity of fixed-rate mortgages and longer-term deals means many borrowers are yet to see the impact on their mortgage outgoings.

Of the 7.5 million mortgagor households that will eventually be affected by the rate-rising cycle since the end of 2021, around half have yet to see a change in their mortgage rate, the foundation said.

It added that mortgage costs are expected to remain elevated for some time.

Richer households, which are more likely to be mortgaged than poorer homes and tend to be more expensive properties, will face the majority of the £12 billion rise in mortgage costs, the foundation said.

But it predicted that the scale of the living standards shock will be particularly high for those low and middle-income households who are affected.

Younger home-owning families, who tend to have lower incomes than older households and higher mortgages relative to incomes, will also face a sharp living standards hit, the foundation said.

The foundation is focused on improving living standards for people on low to middle incomes.

A spokesperson for trade association UK Finance said: “Lenders stand ready to help anyone who might be concerned about their mortgage payments. If you’re struggling, don’t put it off – speak to your lender as early as possible.

“Banks have a range of tailored options available to help. Your lender will work with you to find the best option for your individual circumstances.”

Source: uk.sports.yahoo.com

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The Offer

Direct link to offer

  • American Express is offering up to 80,000 points + a free night certificate no annual fee Hilton card after $1,000 in spend

Card Details

  • No annual fee
  • Card earns at the following rates:
    • 7x on Hilton hotels or resorts
    • 5x at U.S. restaurants, U.S. supermarkets and U.S. gas stations
    • 3x on all other purchases
  • Welcome bonus offer not available to applicants who have or have had this product.

Our Verdict

Previous best deals were  130,000 points or 100,000 points + $100. This is less points, but it does come with the free night certificate which could be very useful. There are also the following increased bonuses on other Hilton cards:

Source: doctorofcredit.com

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Credit Card Debt Relief: 6 Strategies – MintLife Blog

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$1 trillion in credit card debt, there must be a sustainable option to lessen the stress of carrying large debts month over month, year over year. Credit card debt relief is a way to not only get out of seemingly endless debt but also to perhaps bring about a little bit of mental—and ultimately, financial—peace.

Rather than just assuming you can entirely write your debt off with little impact otherwise, it’s important to know the various credit card debt relief options that are available and the different impacts each approach will have on your credit and financial health over the long term.

Keep reading to learn six credit card debt relief strategies, or use the links below to navigate the article.

How to Pursue Credit Card Debt Relief

Seeking credit card debt relief can be an ideal option for those experiencing hardship from life’s unexpected happenings, whether that’s medical bills, a sudden loss of income, or debt that has become excessively difficult to manage. Before deciding on a course of action, it’s important to know the differences between each approach.

Here are six strategies to consider for credit card debt relief:

1. Do-It-Yourself

Credit card debt relief may be able to be reached through a resolute commitment to aggressively paying down debts as quickly as possible. Do-it-yourself options to credit card debt relief require discipline and may not offer the degree of immediate debt relief desired.

If you have a particularly good credit score, you may be able to negotiate a lower interest rate on your cards through individual credit card companies to lessen the burden of debt.

While you’re not necessarily entitled to a lower interest rate, explaining your hardship and mentioning the length of time you’ve been with the credit card company could help secure a better deal, making debt repayment more manageable.

You might also consider taking a new approach to paying down debt by:

  1. The debt snowball approach — paying off the credit card with the smallest interest rate first while making minimum payments on other debts.
  2. The debt avalanche method, which allows for accelerated debt repayment as you put extra money towards the debt with the highest interest rate, while paying the minimum on all other outstanding debts.

The snowball method costs more but can boost confidence in being able to fully tackle paying off one card before moving onto the next.

2. Consolidation

Consolidating debt means combining all outstanding debts you owe to different lenders into a new loan.

Credit card consolidation, while not a method that outright eliminates debt, can be a strategy to help you pay down debt faster. With this option, you’ll only be making one payment a month instead of several— potentially making it easier to keep track of what you owe.

By taking out a low-interest rate loan through a lending institution, you may be able to pay off the majority, if not all, of your high-interest credit card debt.

Another option for consolidation is to do a balance transfer from a high-interest credit card to a credit card with a lower or no interest rate to lessen the burden of interest charges. It’s important to note that this option may come with a fee and doesn’t simply get rid of debt, but it could make the credit card debt relatively easier to pay down.

3. Credit Counseling

Seeking credit counseling, which is usually a free service provided through nonprofit organizations and independent financial agencies, may help lead you in the right direction to achieve credit card debt relief.

  • How it works

Trained counselors can guide you through repayment planning by reviewing your budget, analyzing your debt, and offering recommendations to help find a sustainable debt relief solution.

Counselors simply offer suggestions, making the service free unless you opt to use their help in pursuing a course of action, such as enrolling in a debt management program.

4. Debt Management Program

If you decide to sign up for a debt management program (DMP) through a credit counseling agency, you’ll make a single monthly payment to the agency, and the agency will in turn pay your creditors. With this option, you’ll likely be able to pay off your debts within three to five years, as outlined in your specific debt management plan.

  • Considerations

By enrolling in a debt management plan, you won’t be able to obtain new credit until your debts are paid off. In fact, the credit counseling agency will close your active credit accounts while you complete the plan.

Closing your credit card accounts could negatively impact your credit score in the short-term, but by making regular monthly payments (that you can actually afford), debt management programs may help you find credit card debt relief over time.

5. Debt Settlement

Debt settlement means negotiating with your creditors to pay less on your debt than the amount you actually owe. This agreement is typically arranged by a third party—a debt settlement company—that acts as an intermediary between you and your credit card companies.

  • How it works

In this scenario, you cease making payments directly to the credit card companies and instead pay the debt settlement company, which in turn offers a lump sum payment to appease the creditors.

  • Considerations

This avenue is typically a poor choice for credit card debt relief because as you stop making payments to your creditors, your credit score will not only deteriorate, but credit card companies can also come after you with penalty fees and even legal action for failing to make payments. There could also be tax implications if a large amount of debt is forgiven, because the IRS may consider cancelled or forgiven debt as taxable income.

6. Bankruptcy

Bankruptcy should be reserved as a last resort in extreme cases of credit card debt hardship, as it has serious implications on your credit score.

  • The two most common types of bankruptcy are:
  1. Chapter 7 which forgives your debts on the condition that you liquidate some of your assets to pay creditors.
  2. Chapter 13 in which you enter into a court-arranged debt repayment plan that lasts three to five years, after which your debts are dismissed.

Chapter 7 bankruptcy is the only true way to avoid paying your debts, as it essentially wipes out outstanding debt entirely and offers a clean slate. Creditors still receive some means of repayment, whether in assets or through the repayment plan, and bankruptcy can offer a way out of otherwise inescapable debt.

Effects of Credit Debt Relief on Your Credit

Depending on which approach you pursue to achieve credit card debt relief, effects on your credit could range from nonexistent to severe damage. Since credit utilization (the amount of outstanding balances you have compared to your credit limit) makes up 30 percent of your credit score, carrying high credit card debt month after month is likely to have a damaging effect on your score.

The self-managed approach to reducing debt may not necessarily hurt your credit, so long as you continue to make regular payments. Credit card consolidation may help you tackle debt faster, possibly leading to a better score in the long run. Credit counseling won’t have a direct impact on your credit unless you decide to act on the advice given, such as signing up for a debt management plan. Depending on the parameters of the specific debt management program you sign up for, DMPs could have either a positive or negative effect on your credit.

On the more extreme end, opting for debt settlement through a third-party has the potential to hurt your credit when you stop making regular payments to credit card companies. Similarly, filing for bankruptcy could critically weaken your creditworthiness and should only be a last resort option, as a Chapter 7 filing stays on your credit report for ten years, while a Chapter 13 will remain for seven years.

The Bottom Line

The best approach to credit card debt relief depends entirely on the individual level of hardship you have in paying back credit card debts. It’s essential to consider the different options to reducing the strain of credit card debt that will work for your lifestyle. Whether you opt to take the do-it-yourself route or find yourself filing for bankruptcy, taking a committed approach to minimizing your debt could lend itself to better financial health in the long run.

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Source: mint.intuit.com

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I’ve written about the importance of credit scores before, especially when it comes to getting a mortgage, mentioning that you could save tens of thousands of dollars if you simply had excellent credit.

Fortunately, it appears that the general public is aware of this, per a new study from credit bureau Experian.

The company said some 45% of would-be home buyers (those planning to buy in the next year) are holding off until they improve their credit scores.

This is a good thing because it means they’ll be able to qualify for a greater array of mortgage programs, instead of say just FHA financing, and potentially obtain a lower mortgage rate (and lower monthly payment) in the process.

Still, 34% of those surveyed fret that their credit scores may hurt their ability to purchase a home. And one in five are holding off entirely for at least the next 5-10 years because of a low credit score.

But instead of worrying and accepting defeat, why not take action to improve things so you can shop for a home with confidence?

54% of Future Buyers Are Working on Their Credit Now

The survey found that more than half of future buyers were actively working on improving their credit before making an offer by paying off existing debt, keeping balances low, and making on-time payments.

This is wise given the difference in mortgage rates for an average credit score versus an excellent credit score.

Generally, you want to shoot for a FICO score north of 760 (though 740 might also do) to ensure you obtain the best pricing on both your mortgage rate and PMI, if necessary.

Sure, you can still get approved for a mortgage with an average or even poor credit score, but you’ll just wind up paying a lot more interest over the years. And poor credit history is still the number one reason why individuals are denied a mortgage.

How to Take Action Today

If you’re unsure of how to turn things around, it’s actually pretty easy if you have the means. Assuming you’ve made timely payments on all your credit accounts but your score still isn’t where it should be, consider paying down those outstanding debts.

Last month, I revealed that that my own credit score tanked after the holidays because I made a ton of purchases on my credit cards, this despite paying all the balances to zero well before the due date.

The problem is that credit scores are simply a snapshot in time of your situation, and if you make a bunch of charges you could look worse off than you really are.

So the easiest way to keep your credit scores elevated is to avoid as many purchases as possible before looking for a home, while also paying down any existing balances. This will certainly boost your scores. Additionally, this budgeting can help you set aside more money for the down payment, closing costs, and reserve requirements associated with a mortgage.

Another biggie is to avoid opening any new credit accounts before you begin your home search. This is easy, just don’t do it. Those new credit accounts can drag your credit scores down and will likely increase your debt and take a bite out of your assets. Once your mortgage closes, you can go buy new furniture and whatever else you want.

If you’ve got some late payments on your credit history, your scores will definitely be depressed. One way to resolve this is by disputing the delinquencies with the credit bureaus directly, via their own websites. You don’t have to mail in letters anymore, so this process is a lot easier.

It’s possible to get negative items removed simply if the creditor(s) doesn’t respond to your dispute (even if you were still technically at fault). Once removed, your credit scores can skyrocket.

The takeaway is that a low credit score shouldn’t be the sole reason why you’re not buying a home. And it’s a very fixable problem.

However, it does take time for positive actions to reflect in your credit scores, so it’s never too early to start working on it. The moves you make today can save you thousands upon thousands in the way of a lower mortgage rate.

In some cases, you might even be able to buy more house because less outstanding credit card debt means your DTI ratio will allow for a larger mortgage payment. Your offer will also be more competitive.

Source: thetruthaboutmortgage.com

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Illinois boasts some of the best colleges and universities in the country.

Illinois can proudly claim some truly fantastic college towns. From Champaign–Urbana’s vibrant nightlife to Evanston’s charming lakefront views, there’s a little something for everyone in these bustling hubs of academic excellence. Let’s explore the best college towns in Illinois and discover what makes them such appealing places to call home.

Home to the University of Illinois at Urbana-Champaign, this dynamic duo of cities offers the classic college town experience. Champaign–Urbana offers a lively atmosphere that is welcoming to all and chock-full of some of the most interesting people in the state.

The downtown area is filled with restaurants, bars and shops catering to the diverse student population. Green Street, in particular, is a hub for socializing and entertainment, while the Krannert Center for the Performing Arts hosts various performances and events throughout the year. For outdoor enthusiasts, the area also has numerous parks, like Busey Woods and Crystal Lake Park, where students and residents can relax and unwind under the shining Central Illinois sun.

In addition to its vibrant social scene, Champaign-Urbana boasts a strong economy, offering students plenty of job opportunities and internships during their studies and after graduation.

As one of the most iconic cities in the country, it’s no surprise that Chicago makes the list of best college towns in Illinois. With institutions like the University of Chicago, DePaul University, and Loyola University Chicago, the Windy City offers a diverse range of educational opportunities.

Chicago is also known for its robust arts scene, with world-class museums, theaters and galleries peppered throughout the city. Students can easily immerse themselves in the city’s rich history and enjoy iconic landmarks like Millennium Park and Navy Pier.

The city also has a vibrant culinary scene, with everything from Michelin-starred restaurants to hole-in-the-wall eateries serving up delicious fare from all corners of the globe. And let’s not forget about the city’s many professional and semi-professional sports teams offering plenty of opportunities for die-hard fans and casual observers alike to cheer the Windy City to a win.

Located just north of Chicago along Lake Michigan, Evanston is home to the renowned Northwestern University. With its picturesque lakefront, tree-lined streets and charming downtown area, Evanston combines the best of small-town living with the cultural amenities of a larger college town.

Evanston’s downtown area is home to a wide variety of shops, restaurants and entertainment options, ensuring students have plenty to do when they’re not hitting the books. Popular attractions include the Evanston Art Center, the Block Museum of Art and the Mitchell Museum of the American Indian.

Outdoor enthusiasts can take advantage of the city’s many parks and beaches, which offer stunning views of the Chicago skyline. The Lakefront Trail, in particular, is a favorite among students for jogging, biking and leisurely strolls.

Home to Northern Illinois University, DeKalb is a charming college town that offers a warm and welcoming atmosphere for students and residents alike. With a strong sense of community, DeKalb provides an excellent environment for students to grow academically and personally.

The Egyptian Theatre, a beautifully restored 1920s movie palace, hosts concerts, movies, and other events throughout the year, adding a touch of historic charm to the town. For those who love the outdoors, DeKalb has several parks and nature preserves, including the picturesque Afton Forest Preserve.

Students can also enjoy the diverse dining options and local shops found in DeKalb’s downtown area. The annual Corn Fest, a beloved community event, celebrates the town’s agricultural roots and serves as a weekend of food, music and fun for all ages.

Home to Illinois State University, Normal is a quintessential college town that offers students a vibrant and friendly community. Uptown Normal has a variety of locally-owned shops, charming restaurants and unique entertainment venues that cater to the student population.

On the weekends, many students can be found soaking up the sun and sipping down some suds at DESTIHL Brewery and Beer Hall or absorbing the arts at the ever-popular University Galleries, which even displays works from the local student population.

With its strong sense of community and emerging economy, Normal is a great place for students to kick-start their careers after graduation.

Located just minutes from Normal, Bloomington is home to Illinois Wesleyan University. This picturesque college town offers a welcoming environment, along with a rich history and plenty of amenities for students to enjoy.

Downtown Bloomington features a diverse array of shops, restaurants and unique local attractions, including the historic Castle Theatre, which regularly hosts live performances. Students can also explore the city’s many parks and green spaces, like Miller Park Zoo and Constitution Trail.

Cultural attractions in Bloomington include the McLean County Museum of History and the Illinois Shakespeare Festival. With its strong sense of community and picturesque surroundings, Bloomington is an ideal college town for students seeking a well-rounded college experience that leaves them prepared for life in the real world.

Situated just west of Chicago, Elmhurst is home to Elmhurst University. This charming suburban town offers students a peaceful environment with easy access to the excitement and opportunities of Chicago.

The town’s thriving downtown area is home to the York Theatre and the Elmhurst Art Museum. Additionally, the Wilder Park Conservatory and the Lizzadro Museum of Lapidary Art offer unique cultural experiences for students to enjoy.

With its strong emphasis on community and a highly-rated school system, Elmhurst is an excellent choice for students looking to put down their professional roots in the Midwest after receiving their degrees.

Fall in love with a college town in Illinois

From the lively atmosphere of Champaign–Urbana to the tranquil charm of Elmhurst, the best college towns in Illinois offer students a diverse array of experiences and opportunities. Whether you’re seeking the excitement of a big city or the close-knit community of a small town, you’re sure to find the perfect fit in one of these fantastic college towns.

Source: rent.com

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There’s been a lot of talk about budgeting here at Get Rich Slowly. For instance, Kristin recently wrote about her adventures using the envelope system. I wrote about the reasons your budget might be failing. And, a variety of guest posters and staff writers have touched on the topic with articles like these:

How I kept to my budget and still have everything I want

Budgeting: The Most Important Thing You Can Do With Your Money

How to Build a Better Budget

When One Partner Won’t Budget

However, among the articles on budgeting systems and strategies, there has been very little written on using a zero-sum budget, which happens to be the budget that I use and love. So, I wanted to write about why I’m a zero-sum budget enthusiast, why I think they work so well, and how you can harness the power of the zero-sum budget for your own financial well-being.

Why Should You Use a Zero-Sum Budget?

In my opinion, a zero-sum budget is superior because it forces you to “spend” every dollar that you make. And, no, I don’t mean you should spend it on dinner at Outback or a weekly mani/pedi. Instead, you allocate all of your earnings into the different categories that your finances require. You don’t need an Excel spreadsheet or a complex software program to use a zero-sum budget. In fact, all you really need is a pen, paper, and the desire to begin budgeting for your benefit. So, how do you begin using a zero-sum budget?

Follow these simple steps:

Step 1: Determine how much you make
Whether you’re paid hourly or salary, you need to figure out how much money you make on any given month. So, you need to ask yourself a few questions. For instance, “How many paydays fall within this month?” And, “How much will each paycheck be?” For salaried workers, this should be fairly easy. For those with a fluctuating income, it can be much more difficult. However, one of the easiest ways to make a zero-sum budget work for your family is to get all of your finances “one month ahead.” Easier said than done, I know. But, using that method, a fluctuating income won’t matter as much. Since you’re using this month’s income for next month’s bills, it will be much, much easier to plan.

Step 2: List your bills
Once you determine how much money you’ll make this month, you need to figure out how much money you need to spend next month. Using pen and paper, write out all of your monthly bills, estimating bills that fluctuate, like utilities. You’ll also need to set a reasonable allowance for spending categories that you’re trying to keep under control (like groceries and gas). And, don’t forget about bills that are paid quarterly or seasonal expenses. The best way to make a zero-sum budget work is to include everything.

I’ll use a generic version of one of my old budgets as a real-life example:

  • Mortgage: $1,426
  • Electric: $200 (estimate)
  • Gas: $25 (estimate)
  • Groceries: $500
  • Daycare: $500
  • Internet: $35
  • Fuel/Miscellaneous: $200
  • Cell Phone: $55
  • Health Insurance: $377
  • Life insurance: $77.31 (paid quarterly)
  • Trash: $56.25 (paid quarterly)

Total: $3,451.56

Of course, everyone’s categories will be different. Obviously, you’ll need to include all of your bills including any debt payments that you make on a monthly basis. Make sure to list all of your bills (even the ones that you’re trying to forget!). Confronting them is the first step to making them disappear for good!

Step 3: Compare and contrast
This is where it gets fun, I think, and why using a zero-sum budget can be life-changing for so many people. Once you see your monthly income and your monthly bills on paper, a clear picture of how much money is left over emerges. You might find that thousands of dollars are being spent on “wants” each month. And, you could use that knowledge to begin saving that money instead. Regardless, once you determine how much money is left over after you pay all of your required expenses, you can decide what to do with the rest.

If my husband and I earned a net income of $7,000 for the sample month, we would update our zero-sum budget to reflect the overage:

  • Mortgage: $1,426
  • Electric: $200 (estimate)
  • Gas: $25 (estimate)
  • Groceries: $500
  • Daycare: $500
  • Internet: $35
  • Fuel/Miscellaneous: $200
  • Cell Phone: $55
  • Health Insurance: $377
  • Life insurance: $77.31 (paid quarterly)
  • Trash: $56.25 (paid quarterly)
  • Short-term savings: $1,500
  • Long-term savings: $1,500
  • Vacation Fund: $548.44

Total: $7,000.00

But, what if nothing is left? If you’re spending every penny you earn, it’s probably time to reconsider that strategy. Start by making a list of things you could live without. Some possibilities include cable television, eating out, or excessive entertainment spending. And remember, everyone’s priorities will be different. Although I do just fine without cable television, I have no desire to feed my family on a bare-bones grocery budget. You may feel exactly the opposite. And, as J.D. so eloquently put it, you have to do what works for you, whatever that is.

Step 4: Spend all of your money on paper
Once you determine your own excess cash flow, you can decide where that money will serve you best. For instance, if you’re still in debt, you can decide to pay X number of additional dollars toward those debts. Many people, including me, tackled their debts using the snowball method. Using this method, you focus on one debt at a time, paying over as much as you can until that debt is demolished. Then you can move on to the next.

Or, if you don’t have any debts to contend with, you can allocate all of your extra cash toward your savings or investments. Obviously, it doesn’t have to be all or nothing. You can choose to tackle your debts and continue saving at the same time. It’s up to you. However, the key is to go ahead and transfer the money you have allocated to savings right away. That way it doesn’t get squandered on those dinners at Outback, weekly mani/pedis, or anything else.

Step 5: Track your spending
If you have a preset spending limit for your zero-sum budget categories, you’ll need to check in periodically throughout the month to “see where you’re at.” I’ve found this to be particularly helpful when it comes to grocery and miscellaneous spending. I have a tendency, in fact, to completely blow through my grocery budget if I don’t watch myself. ($8 organic oregano, anyone?) So, to combat my grocery spending weakness, I usually check my spending about once a week. And for the most part, when it’s gone, it’s gone. This often means that we’re eating freezer food and leftovers by the end of the month, which seriously annoys my kids. But, it works!

Step 6: Make adjustments
Your zero-sum budget may be an epic failure for the first few months. And, that’s OK. You’ll probably need to make some adjustments to get it just right. Maybe you need to add a little buffer to your grocery category. Or, add some wiggle room to the entertainment portion of your budget. Whatever it is, making adjustments shouldn’t be seen as a failure. In fact, it’s just part of the budgeting process.

One More Thing

Unless you want to have a specific budget category just for emergencies, an emergency fund is a crucial part of using a zero-sum budget. Having an adequate emergency fund means that a surprise car repair or medical bill won’t knock your entire financial plan off track. And, whenever you have to tap into your emergency fund, it’s important to replace the funds you use. You can do this by budgeting to add to your emergency fund in the following month (or months) until it’s back to its former glory.

Have you ever used a zero-sum budget? If so, did it work? Also, please feel free to share your favorite budgeting strategies below.

Source: getrichslowly.org

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It’s that time of year again. The joyous, magical time of giving and receiving!

What do I want for Christmas?

This is a question that you may find yourself asking this time of year.

It can be hard to ask someone what they would like as it feels kind of weird and embarrassing! Even worse, is actually telling someone exactly what you want.

Many times people are so caught up in their own lives, with work and school, and other things going on, that they don’t know what the best gift to give each other might be! The last thing anyone needs is more stress (or anxiety) around the holidays.

So, I have compiled a list of some ideas for what you might like as a gift this Christmas!

To kickstart this list, I asked around to my besties – both women and men what they really want for Christmas. This list is from real people!

Guaranteed you will find the perfect gift for that someone special on your list!

things I want for christmas

I hope this holiday gift guide helps give you some ideas for what to ask for this year!

Deep down, I want big things like travel, quiet time, health, and hanging out with my family. But, my family always wants ideas.

Regardless, if you have a big Christmas list or small one, here are great ideas for you.

What do I want on my Christmas list?

When it comes to Christmas lists, it can be tough to figure out what you actually want.

After all, there are so many things to choose from! But don’t worry, we’re here to help.

Consider the five-gift rule:

  • Something I Want
  • Something I Need
  • Something to Wear
  • Something to Read
  • Something to Do

Some great gift ideas for Christmas include clothes, books, movies, gift cards, and experiences like a trip or a concert. But remember: these are just suggestions! You should put whatever you want on your list–after all, it’s your Christmas present!

What Do I Want for Christmas?

Hey everyone, it’s that time of year again when we all start to think about what we want for Christmas.

Personally, I’ve been doing a lot of online shopping and have compiled a list of items that I would love to see under the tree on December 25th.

If you’re like me and still haven’t decided on what you want, don’t worry! I’ve got you covered with this ultimate holiday gift guide.

1. Headphones / AirPods

First up are headphones. There are a ton of different options when it comes to headphones, but I love my Apple AirPods I received a few years ago.

The price tags on most of their devices seem steep at first, but you can find some great entry-level ones that offer great quality.

I highly recommend quality headphones for your Christmas wish list.

2. Money

Money is a popular gift option because it offers a lot of flexibility. You can use it to buy anything you want, and it’s always appreciated. Some people find it difficult to ask for money or receive it as a gift, but with the right attitude, it can be a great way to show your loved ones that you care.

One way to give money as a gift is in a brainteaser box. This fun idea turns giving money into a game, and your friends and family will love trying to figure out how to open it.

However, before you can enjoy the benefits of being on the giving or receiving end of money, you need to have realistic expectations.

Money doesn’t buy happiness, and expecting too much from your loved ones can lead to disappointment.

If you’re feeling brave, why not ask for money this Christmas? It’s always better than expecting something expensive from your loved ones. Here are great money gift ideas.

3. Digital Photo Album

One of the favorite features on my phone is when random picture memories pop up! It makes my heart sing!

If you want a unique gift that will always have these happy photo moments, consider a digital photo album.

This is a great way to store and organize all of your photos in one place, and it’s also easy to share with friends and family.

There are many different options when it comes to digital photo albums, so you can find one that fits your needs. For example, if they like to travel a lot, you might want to choose an album that includes GPS tracking so they can always know where their photos were taken. Or if they’re into scrapbooking, find an album that allows them to add text and other elements to their photos.

Whatever option you choose, make sure the digital photo album is easy for your loved ones to use. The last thing you want is for them to be frustrated with trying to navigate through all of their photos!

4. Shiatsu Massage Chair Pad With Heat Function

If you’re looking for a massage chair pad that will help alleviate muscle soreness, easy neck stiffness, and eliminate fatigue, the Shiatsu Massage Chair Pad With Heat Function is an excellent choice. This product comes with a rolling and spot massage, providing a comfortable, soothing feel to muscles. Plus, it’s an excellent alternative to a full-body massage chair if space and cost are constraints.

The Shiatsu Massage Chair Pad With Heat Function is made with a washable and reusable fabric. It also has anti-slip feet on the bottom to stay in place. The heat function can be turned off if desired, or there’s a timer that will automatically shut it off after 10 minutes of use. You can buy this product on Amazon and way cheaper than a full massage chair.

5. Indoor Smart Herb Garden

If you’re looking for a unique and special gift for the gardener in your life, look no further than an AeroGarden In-Home Garden System. This garden kit takes care of itself and can be placed anywhere in the house–no green thumb required!

The Smart Herb Garden is a great way to get started with gardening, and it’s also perfect for anyone who wants to add scent and beauty to their home or apartment.

You can purchase additional seed pod kits as well.

6. LiLash Purified Eyelash Serum

If you’re looking for the best beauty splurge, look no further than LiLash Purified Eyelash Serum.

Their eyelash serums are made with natural vitamins and minerals to give you noticeable results in just 6 weeks, and full results in 12 weeks!

LiLash is a purified eyelash serum that is vegan, gluten-free, non-toxic, and cruelty-free. It has over a million users and a 90-day satisfaction guarantee. They’re also easy-to-use and fit right into your daily routine.

I want to splurge on this eyelash serum to lengthen and thicken my lashes!!

7. Shower Bluetooth Speaker

Do you hate having to stop your music or podcast when you go in the shower? If so, I have the perfect solution for you!

A shower speaker is a small, water-resistant speaker that can be used in the shower, by the pool, or anywhere else near water. They are often Bluetooth-enabled so that they can be connected to a phone or other device for streaming music.

The Oontz shower speaker is waterproof, shockproof, and dustproof. That means you can take it with you wherever you go without having to worry about it getting wet or damaged.

The battery lasts forever on a single charge, so you can use it all day long if you need to. And if that’s not enough, there are a lot of popular Bluetooth speakers on the market, but this is the one I personally have. So no matter what kind of music or podcast lover you are, there’s sure to be a speaker that’s perfect for you.

So check them out today and get ready to rock out in the shower!

8. Everyday Hammock Chair

If you’re looking for the perfect gift for the person who wants to slip away and relax, look no further than a hammock! This high-quality hammock chair is made of oak wood and is personalized with the user’s name on it. It’s also a great gift for any occasion!

While many think hammocks are for camping or for hikers to relax after a long day of trekking through the wilderness, they are perfect for ANYONE who needs an escape to quiet. And what could be better than getting to relax in your very own personalized hammock?

Hammocks make a great gift for any occasion, but it’s especially perfect for Christmas.

9. Breville, the Barista Express, Espresso Machine & Specialty Coffee at Home

The Breville Barista Express is a high-quality espresso machine that is perfect for the at-home coffee lover.

The machine is compact and easy to use, making it a one-stop shop for quality espresso.

The Barista Express also delivers fresh, quality espresso in under a minute, so you can get your caffeine fix quickly. Getting authentic café style results in no time at all.

10. Instant Pot Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo

Instant Pot has come out with a new product that is sure to be a hit every holiday season. The Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo.

This is something I always wanted, but never wanted to research which one is best. So, my mom bought this one for me. I absolutely love it! And we use it multiple times per week.

This product is a pressure cooker and air fryer combo with 2 convenient removable lids. This means that you can air fry your food in one multi-cooker and easily transition between pressure cooking and slow cooking.

11. Himalayan Rock Salt Lamp

Salt lamps have been popular in western nations for a while now, and for good reason. They offer a number of benefits to those who have them in their home. improved energy, better sleep quality, and purified air are just a few of the advantages you can enjoy from having a Himalayan Rock Salt Lamp.

People who have salt lamps often report multiple benefits from having them in their homes. Some people find that they help improve their moods, while others appreciate the added beauty that the circular design brings to their décor. And unlike traditional lamps, these Himalayan salt lamps are flicker-free, meaning you can read or relax near them without being disturbed by any light flickering.

We have a Himalayan Rock Salt Lamp in each of our bedrooms.

If you’re looking for a unique and beneficial gift this holiday season, consider gifting someone a Himalayan Rock Salt Lamp.

12. Spa Gift Set For Women

When it comes to finding the perfect gift for a woman, sometimes it can be tough to think outside the box. But don’t worry, we’ve got you covered! This year, consider a spa gift set. Women love to relax and pamper themselves, and what better way to do that than with a luxurious set of spa products?

Hint…hint… a spa gift set is always a great option!

No matter what type of woman you’re shopping for, there’s sure to be a spa gift set that’s perfect for her. Whether she loves spending time at the spa or just enjoys pampering herself at home, she’ll love these luxurious gifts.

So if you’re stuck for ideas this Christmas, why not go with something she’ll really appreciate – time to relax and be pampered?

13. Stress Reliever Ball

Do you find yourself feeling stressed out often? If so, we have the perfect solution for you!

This Serenilite Stress Reliever Ball is perfect for relieving some tension during the workday. It’s a fun addition to your desk or party, with the goal of bringing relaxation into your life when you need it most.

Each ball is made with three densities – soft, medium, and hard. Perfect for strengthening your grip, joints, and muscles.

14. Gemstone Birthstone Necklace

Photo Courtesy of Jill Makes

This necklace is a beautiful piece that would make the perfect gift for any occasion. It comes with one pendant and is made of high-quality materials. The pendant measures approximately 13 millimeters in height and is sure to impress.

This minimalist-style gemstone birthstone necklace is perfect for anyone who wants a unique and personalized piece of jewelry. The pendants are engraved and sealed with the month of your choice, making it a special and one-of-a-kind gift.

Who doesn’t want a personalized item for Christmas?!?!

15. Deep Tissue Muscle Treatment Portable Handheld Massage Gun

This handheld massage gun is perfect for those who need deep tissue muscle treatment. It comes with several adjustable speeds to help tense muscles, relieve pain, and increase blood flow. The Shiatsu massage is an added bonus that helps make this gun a great choice for anyone looking for relief from muscle pain.

This device is a great option for those who are on a budget or live in small spaces. The rolling and spot massage work on the back, but this device can be used anywhere on the body.

16. Traeger Wood Pellet Grill

A Traeger wood pellet grill is a great gift for the holidays because the user can control it from anywhere with WiFi and Alexa technology. The grill also has a built-in meat probe, so the user can cook to perfection every time.

They are known for their 6-in 1 versatility, which allows you to use it as a grill, a smoker, a bake oven, a roast oven, a braise pot, and even a BBQ pit.

Traeger is the original creator of the wood-pellet grill. Who says mama can’t smoke meat too?

17. Fitbit Versa 2

The Fitbit Versa 2 is the latest and greatest addition to the Fitbit family.

This smartwatch has all the features you need to help you stay on track. You can create alarms, set reminders, check the weather or start an exercise with Alexa. Plus, it comes in a variety of colors to fit your style.

This smartwatch has an always-on display mode and Fitbit Pay, so you can easily check your pace and distance during a run or pay for something without having to take your wallet out. It also has built-in GPS, so you can track your progress on runs or hikes. Plus, the battery life varies with use, so it’s perfect for people who want a watch that does it all.

So overall, the Fitbit Versa 2 is exactly what you want for Christmas!

18. Robot Vacuum Cleaner

If you’re looking for an easy way to keep your floors clean, a robot vacuum cleaner may be the perfect solution. It was for me!!

Robot vacuums are automatic vacuum cleaners that do not need cleaning themselves and can be charged automatically. They come in a variety of shapes and sizes, with multiple cleaning modes and auto-clean scheduling.

Some of the more popular brands include iRobot, eufy, and Shark. While there are many robot vacuums on the market, each has its own unique features that set it apart from the competition. For example, some models are designed for pet owners or have special attachments for dealing with tougher messes.

When shopping for a robot vacuum cleaner, it’s important to consider your specific needs and budget. Many models are available online, so be sure to do your research before making a purchase. Less time cleaning is a win for you!

19. Kindle Paperwhite

If you’re looking for an e-reader this holiday season, the Kindle Paperwhite is a great option.

It’s easy to hold and use, and you can read in the sunlight without any screen glare. The Kindle Paperwhite also comes in a size similar to a regular novel, which makes it more comfortable than an ordinary book for readers of all ages. Plus, the Kindle e-Reader can hold thousands of books, and the battery lasts for weeks. And with the Kindle Unlimited, users can read as many books as they like from the store.

The Kindle Paperwhite is a popular option for those looking for an e-reader, and it’s great sale price — less than other options on the market. So if you’re looking for a great gift that your loved ones will actually use, be sure to consider the Kindle Paperwhite!

20. Memory Jars

Photo Courtesy of Meraki Designs by Lisa

Memory jars are a great way to capture memories and moments from your life. They can be filled with photos, tickets, mementos, or any other item that holds sentimental value to you. You can create a memory jar for any occasion-a birthday, graduation, wedding, or just because.

To make a memory jar, start by gathering your supplies. You’ll need a jar (or container) of some sort, Mod Podge or another sealant, paintbrush(es), photos or other items to decorate the jar with and scissors. Once you have your supplies ready, it’s time to start creating! Or you can buy straight from Etsy!

Just be sure to include the year so you can look back on your memories later!

21. Desktop Stand for Printer

This desktop stand is perfect for your printer and a great way to save space in your office!

The stand is stable and sturdy, making it perfect for stacking printers, fax machines, scanners, and other office equipment. The height-adjustable skid pads protect your table and floor from scratches or scuffs, making it easy to clean.

Pretty solution for your cluttered desk!

22. Outdoor String Lights

Outdoor string lights are a must for the holidays. They add a touch of festivity and cheer to any setting. I highly recommend these weatherproof string lights. They are beautiful, durable, and long-lasting.

This is more of the ambiance you have wanted on your patio, right? Each set is 25 ft, 50 ft or 100 ft in length.

Perfect to decorate your outdoor space!

23. Rain Shower Head

This rain shower head is a great upgrade from an old, rusty shower head. It provides good water pressure and is easy to install.

As for the shower head set, it comes with an 8′ large square rainfall showerhead, a high pressure handheld shower head, and a filter. The 8′ large square rainfall showerhead has a 360 rotation angle-adjustable solid ball joint nut for reliable leak-free connection and different angle position showers needs. The 5 setting handheld shower head is suitable for baby shower, massage or pets shower, etc.

Time for a quiet shower with your newly installed rain shower head and your Bluetooth speaker!

24. Collapsible Folding Tailgating Table

If you’re looking for the best gift for a tailgater, look no further than a collapsible folding tailgating table!

This gift is perfect for someone who needs to set up multiple tables in short periods of time. Plus, it’s very easy to transport and store – perfect for when you need to take your gear on the go!

Also perfect for the sports family who is always on the go and setting up meals in the parking lot of a sports complex.

25. UV Smartphone Sanitizer

The smartphone Sanitizer is a device used to clean your phone of germs and bacteria. It can be used for things like jewelry or even keyboards.

The sanitizer kills 99% of germs in 5-10 minutes and comes with a charger! This portable charger is affordable, easy to carry, and may be the answer to what I want for Christmas.

No more germs around the things you touch the most. Get your UV sanitizer for your home.

26. A Vitamix because you deserve it

A Vitamix blender is a great gift for anyone who loves to cook and wants to eat healthier. They are known for their high-quality construction, durability, and powerful motors that can blend even the toughest ingredients.

The variable speed control allows you to customize your blending experience, while the large batches make it perfect for preparing food for a crowd.

It has a 7- year full warranty, meaning that it will be covered for any damage or defects for the first seven years after purchase. I can attest they stand by this because my motor was replaced and it runs like new!

Best Christmas gift to myself – my Vitamix!

27. MICHLEY Unbreakable Wine Glasses

If you’re looking for a great gift for clumsy drinkers, look no further than the MICHLEY Unbreakable Wine Glasses!

These glasses are made of durable plastic and can withstand even the most strenuous of drinking sessions. Whether your loved one is an occasional drinker or not, these glasses will make sure their wine never ends up on the floor again. So why not give them the gift of unbreakable wine glasses this Christmas?

28. Bathtub Caddy with Gold Handles

This bathtub caddy is handmade and made to order.

You can choose from 20 different color options, and the board is made of knotty pine planks.

Imagine relaxing after a stressful day!  Great for setting drinks, food, books, etc. Wouldn’t this be a perfect addition to your bathroom?

29. Subscription Gift Sets for Women

There are many different sets to choose from, so you’re sure to find one that fits the woman’s personality.

If she’s into fashion, consider buying her a set that includes designer handbags, jewelry, clothes, or tickets to a show. Or if she’s more of a homebody, go for a set that includes candles, bath salts, and other relaxation items.

No matter what set you choose, the woman is sure to appreciate your thoughtfulness. So why not surprise her with a gift set this Christmas? She’ll love you for it!

30. Yoga Leggings

Looking for a comfortable and stylish pair of leggings to wear this holiday season?

Look no further than the Healthyoga Yoga Pants! Made with a breathable and soft fabric, as well as a high-waisted fit, these leggings are perfect for people who work out or just want to feel comfortable during the holiday season. Plus, they come in several colors and patterns, including one that features beautiful butterflies.

Please don’t tell anyone how many pairs I already own; yet, I still want more!

What’s more, these leggings are perfect for people who like to take their workouts outdoors. They do not ride up when in the squat position, and they also have a handy pocket that is the perfect place to store essentials like your ID, phone, or keys. So don’t wait any longer–order your yoga pants today!

What Christmas Gifts Do I Want?

Christmas is a time where we all get together with our loved ones and exchange gifts.

It’s always a lot of fun to see what everyone gets, but sometimes it can be difficult to come up with ideas for what to put on your wish list.

If you’re struggling to come up with some ideas, don’t worry we included plenty of gift ideas to help you out!

What to consider when buying a gift for someone?

When buying a gift for someone, it is important to consider their interests and what will make them happy. It is also important to think about the occasion and what type of gift will be appropriate. If you are not sure what to get someone, it is always a good idea to ask them what they would like.

Another option is to give a handmade gift. This could be anything from a cake or cookies to jewelry or a scarf. The advantage of this type of present is that it’s personal and made by you, which makes it extra special.

Finally, if you’re still stuck for ideas, why not give a gift card? This gives the person receiving the present the freedom to choose something they really want. It also means you don’t have to worry about getting the wrong thing!

When buying someone a Christmas gift, it’s important to put some thought into it and make sure it’s something they’ll really like.

what do u want for christmas

That’s the question on everyone’s mind this time of year. And most of us are too afraid to articulate. Maybe you are hoping for a new outfit. Or maybe you’re hoping for something a little more luxurious, like a trip to Europe. 

First, you need to be open and honest about what you want for Christmas. 

We all want… Santa to come bearing gifts!

Now, Share What Do I Want For Christmas

I have you covered. Share this post with family and friends with numbers of which gifts were intriguing to you.

That takes the awkward conversation of gifts during the holidays.

Christmas is about love, joy, and giving gifts – not about getting the most expensive thing on the wish list.

But, here are the must-have items we heard loud and clear when asking around about what do I want for Christmas.

This will guarantee success this Christmas season and beyond!

Even better, you can order online from the comfort of your own home! Right now!

Also, this article has something for everyone and is perfect for any occasion. Whether you’re looking for a gift for Christmas, Hanukkah, Valentine’s Day, Mother’s Day, Father’s Day, or just because!

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org