Create A Family Photo Wall With CanvasDiscount [Giveaway]

Do you ever look around your home and think about the things you have been meaning to do for a long time? One of those things for me is to get some pictures, art or really anything up on my bare walls. We have lived in our home for almost 2 decades and still have so many bare walls. We tend to have more minimalist taste when it comes to decorating our home, but I do love displaying family photos.

I have been wanting to have a family gallery-style wall, and finally started it this year. I still have a little way to go, but feel like it is coming along pretty well so far. We have pictures that have been taken over the years that are very much worthy of being displayed. One of my favorite styles of photos is canvas prints. I really do love the look of a photo that almost looks like a painting when it is printed on a canvas. I knew I need to add a couple more family photos so I used CanvasDiscount.com to order exactly what I needed.

CanvasDiscount.com offers a huge variety of sizes and styles of canvas prints to fit your budget. Since I had tighter areas that I needed canvas prints for, I went with a vertical prints in sizes 12" x 16". They were the perfect size, and the prices were so good at just $25 each. The website is user-friendly, and I was able to upload my photos and create my whole order from start to finish in about 10 minutes. It does help a lot when you already know which photos you want to use. Check out these gorgeous canvas prints we had made.

The quality is excellent, and the colors are rich and vibrant. Also, the shipping time was super fast. Right now, you can get up to 5 FREE MIXPIX® plates from CanvasDiscount.com just by going through this link: http://bit.ly/momfiles. I absolutely love the idea of an entire collage of canvas prints on a wall. Speaking of which, look at how nice our two canvas prints look with the existing photos we have on the wall above our couch. All I need to do now is add some decorative signs and plaques to finish it off. By the way, canvas prints make nice gifts for the holidays!

Be sure to stay connect to CanvasDiscount.com for product updates and discount on Facebook, Instagram, Twitter, and Pinterest.

Giveaway

Our friends at Canvasdiscount.com are providing a $50 code to their site for one Mom Files reader to win. Enter below: a Rafflecopter giveaway

This giveaway is open to U.S. Residents only and ends on December 19, 2019. Must follow rules in Rafflecopter. One winner will be chosen randomly. Mom Files is not responsible for any lost or stolen prizes. Good luck!

Thank you so much CanvasDiscount.com for providing us with a code for complimentary canvas prints. All opinions are our own. 

Projects We Tackled In 2019

This past year seems to have gone by so quickly and makes me take time to reflect on things that we accomplished in our household, as well as plan for the upcoming new year. We decided on buying a lot less stuff in 2019, and donated a lot of things that were no longer serving us in a positive way. We made a list of household projects that we wanted to get done, and thankfully we were able to check off those boxes!

Photo by Camille Brodard on Unsplash

We started out with some plumbing repairs which we still have another part to complete. Thankfully we replaced our ancient water heater with a brand new one and got some re-piping done. The plumbing job then led to a bathroom remodel in our hallway bath. We experienced some mishaps during the process, but it’s done and we are planning on the downstairs bathroom remodel. We will take all of the lessons we learned from the first one into the second project.

Rocco is enjoying our cozy new carpet

Another big project that we got done was having our upstairs carpeting replaced. We did our research at a local place that was highly recommended and we couldn’t be happier! It was so nice entertaining over the Thanksgiving holiday with a refreshed-looking home. I really think we will get a new dining room set early next year to replace our 15-year-old set. I was reading an article earlier this year that talked about having a custom table made or refurbished, and then purchasing chairs for your dining table. That might not be a bad idea since our actual table isn’t in bad condition. The chairs aren’t the most comfortable to sit on for extended periods of time. It might look nice if we got our table professionally refinished. Then we can spend our time looking for chairs that will suit our taste and needs.

Speaking of dining room, we got a quote for new flooring for the kitchen and dining areas. We just have to come up with what type and finish of flooring we want to go with. I am leaning towards the higher quality vinyl that looks like hardwoods. We have old vinyl now and the thing I like about it is that it’s easy to clean, and if you accidentally drop a cup or plate, it doesn't always break like it would on a hard tile floor. Decisions, decisions.

A couple more things that we also got done was getting our landing replaced at our front door. The wooden planks were getting rickety, so we had them all ripped out and replaced. We just have to get the wood stained once the weather gets warmer. For now we have to look at a two-toned deck, but that's okay. I also got a brand new washing machine to replace my 23-year-old one. Yes, we had it for 23 YEARS! Although my new machine is pretty and modern, I actually miss how the old school type works. Go figure!

I think that we will focus on one new project per quarter as our budget allows. Planning everything out ahead of time has really made it so much easier to get the projects set up and completed. We were super lucky to find good people who offer reasonable prices. Hopefully they will be able to get us on their schedule. Do you have any big home renovations or projects planned for the new year?

Ways To Unplug And Go Outdoors

The world is more connected than ever before, for better or worse. Although the Internet and improved telecommunications technology allow us to be in contact with almost anyone around the globe immediately, this can be useful and harmful. A recent study revealed that Americans spend up to 10 hours a day staring at screens watching television and surfing the Internet. While there are loads of benefits that come with our current dependence on technology, it also puts us in danger of missing some helpful experiences.

Even if we’re watching our DVRs from a park bench or scrolling through social media feeds poolside, we miss something when we make technology the primary focus of our lives. Too much screen usage means we’re most prone to sitting for too long, and probably indoors. There’s something to be said about the benefits of fresh air and sunlight, not to mention good old-fashioned exercise. That’s why it’s important to remember to unplug ourselves from technology often and get some face time with the real world.

Photo by Devon Janse van Rensburg on Unsplash

The perks of unplugging are numerous, especially if you spend that time outdoors. Studies have found that frequent exposure to social media can intensify feelings of depression and anxiety, not to mention the health issues that arise when we waste too much time sitting and consuming electronic media. Spending all your time indoors gawking at your screens also opens you to a lot of recycled air and artificial lighting, neither of which benefits you in terms of health.

Going outside and staying active, even if it’s simply relaxing in a nature preserve drawing a landscape, can do you a lot of good. You don’t have to become a rough outdoorsy type to get the benefits of the outdoors, either. There are plenty of simple ways you can unplug from technology and benefit from the outdoors. For example, you can take a walk throughout your local park or around your neighborhood. You can take up landscape painting or nature photography to utilize your artistic side while taking in some fresh air. Fishing and bird watching also are great ways to take up a hobby that doesn’t demand being plugged into a wall outlet. Or, taking a boat out onto the water can be relaxing as well as exhilarating.

Putting some limitations on your technology use also can lead to meaningful perks. You could think about trading in your smartphone for a simpler cellphone that is unable to connect to email or the Internet. You might consider putting a limit on your screen time the same way you would restrict your calorie intake on a diet. Reading a book instead of staring at your phone during your commute also can work wonders for your mood as a way to unplug.

As pleasant as it is that we’re all connected these days, it’s also necessary to remember to unplug. If you’re looking for ways to de-stress, the checklist accompanying this post can provide you with some basic tips. Use the unplugging checklist, and you may see some benefits right away in terms of your mood and well-being.

Ways To Unplug & Go Outdoors from Duck Bay Lodge

Best Places in Canada for Skiing

As USA Today notes, Whistler Blackcomb is visited by more skiers and boarders than any other resort in North America. If you want to enjoy easy access to some of the world's best slopes, you'd be hard-pressed to find a better place to purchase a vacation home or permanent residence among the Whistler homes for sale.

image credit

This huge resort offers everything from beginner to expert terrain across nearly 8,200 acres with over 200 marked trails, bowl, and glade zones. There are three dozen lifts, including a 10-passenger gondola that has the greatest capacity of any lift on the continent bringing 4,000 skiers from the bottom to the top of Blackcomb every hour. Plus, the resort's village is like its own city, with an outdoor skating rink, tube park, and cinema along with countless dining and shopping options.

Sunshine Village, Banff National Park

Banff National Park hosts three ski resorts along the continental divide, with Sunshine Village Canada's highest elevation resort resulting in some of the highest above-the-treeline terrains in the country. Expect spectacular vistas of the dramatic Rocky Mountains in every direction along with challenging, rugged slopes for experts like Delirium Dive, voted as one of the most extreme runs in the world by CNN Travel. It even requires avalanche gear and a buddy. If you aren't up for that much of a heart-pounding thrill, among the 3,300 acres of ski terrain there's everything from groomed cruisers to big bowls too.

Mont Tremblant, Quebec

Mont Tremblant is easily accessible for epic skiing, located 80 miles north of Montreal. Especially picturesque with its storybook feel, it's often compared to Europe's ski towns with a unique Quebecois culture. The walkable village hosts a wide range of international eateries and one of the most vibrant après-ski scenes in the region. But it isn't just about the scenery and after-skiing fun - this is eastern Canada's premier resort with 665 acres of skiable terrain across four mountains with over 2,000 feet of vertical drop. It boasts the province's steepest run with a pitch of 42 degrees providing something for the experts too.

For those that want to switch things up every once in a while, Mont Tremblant also offers ice climbing, snowmobiling, and dog sledding.

Sun Peaks Resort, British Columbia

Sun Peaks, Canada's second-largest resort, is a town of its own, 45 minutes from Kamloops in the British Columbia interior. It has three mountains that are linked, spanning nearly 4,300 acres of diverse terrain - all without the crowds that you'll find in the more popular resorts. There's truly something for everyone from beginners to the advanced, plus the grooming is impeccable. After a day out on the slopes, you'll find a long list of dining options to feed your appetite, from cheap eats to upscale restaurants serving seafood and steaks.

Picking The Best Camera For Your 2020 Adventures

Gone are the days when only bloggers and photographers used good cameras and the rest of us relied on our mobile phones. Nowadays, everyone can be found browsing the cameras for sale to capture those special memories.

We all want the same thing: the best camera possible, with the most up to date equipment that will deliver sharp, stunning images. It is that simple. Photography is enjoying a moment thanks to social media and the rise of photoshoots for every occasion from a new baby to marking an engagement.

image credit

So, here are a few tips if you are looking for a good quality camera to record those important memories. Whether you have a big occasion, such as a big family birthday or a wedding next year, a holiday, or you simply want to capture more candid moments amongst your family, here is what to look for in your photography equipment:

First, decide which type of camera you want

Cameras come in so many different forms and sizes. The main thing to consider is what type of photos you are aiming for and how much effort you want to put in to get them.

For example, are you prepared to switch lenses to change the focus and try out different effects? Do you want to learn photography skills along the way? Or, are you hoping for a more simple point and shoot type of camera?

From DSLR cameras to film cameras, instant and mirrorless cameras, there is a wide variety on offer. So, your first task is to research what each of them is and then decide what suits you.

image credit

Think about what you will be using it for

Each family is different. Some like to relax by getting outdoors doing high octane sports and taking adrenaline-pumping action holidays. However, others prefer to stay cozy indoors watching Disney movies and playing board games!

Think about the situations you will be using the camera most of the time and therefore, what you will need from it. For example, you might benefit from an action camera that can get dynamic shots of all of your adventures, if you’re the sporty type.

Consider your budget

Rather than thinking about getting the most expensive camera in the shop because it will make you a better photographer, instead, think about what you want. Look at which features each camera has compared the next one, then think about whether you will use them.

If you are planning to take up photography as a bit of a hobby and learn more about the features as you go, you can see it as an investment buy. It makes it worth looking at cameras with more versatility. However, if you want something simple to use that just has an edge overusing your phone, then you probably don’t need to spend that much on it.

image credit

Weight and fit

Probably the most underrated feature to consider is how much your camera weighs and whether it fits in your hand. If it is heavy and cumbersome, you are less likely to use it, no matter how fancy bells and whistles it is.

However, you will be more inclined to carry it around with you - either at home or on holiday - if it is easier to transport and hold in your hands, while exploring a new place. Therefore, it is worth checking out the dimensions and weight before you buy.

Fact or Fiction: Can Headphones Damage Your Hearing?

Our ears are very complex and yet so unassuming. But when they are not working, you may wonder if there was anything you could have done differently to better impact your quality of hearing. One frequently asked question regarding hearing loss or preventing hearing loss is, can headphones damage hearing? The short answer is yes, but maybe not for the reasons you may think. If you think your hearing has been impacted or damaged by unhealthy listening habits, check out these ITE and BTE hearing devices.

Photo by Wills M from Pexels

Noise Induced Hearing Loss (NIHL)

Our ears are designed to handle the sounds of our world, conversations, traffic, animals and natural phenomenon. But sounds that are too loud can damage our hearing. These high volume sounds can last only seconds or can be repeated or prolonged and have the same effect on our hearing. When the delicate structures in the inner ear are damaged, NIHL can be the result.

People of all ages can suffer from NIHL. But those who have jobs or partake in recreational activities that expose them to loud noises are more at risk than others. Those who encounter frequent gunshots, like shooting range employees and hunters, some types of musicians and construction workers are just some people who are at a higher risk of developing NIHL. But protective ear wear can help to reduce the likelihood.

What is Too Loud?

Sound is measured in units called decibels. Sounds that are 70 A-weighted decibels (dBA) or below are generally at safe levels and are unlikely to cause hearing problems. But sounds at or above 85 dBA can cause hearing loss. This means that the louder a sound is, less exposure is necessary to do damage or cause NIHL. Your distance from the sound’s origin will also play a role in the impact it has on your hearing. Here are some common sounds we encounter and their volume in decibels.

• Talking 60-70 dBA
• Movie Theaters 74-104 dBA
• Motorcycles and Motorsport Vehicles 80-110 dBA
• Headphones at Max Volume and Concerts 94-110 dBA
• Sirens 110-129 dBA 

  

  image credit

How Hearing Works

Hearing is an amazing and involved process that happens in nanoseconds. First, sound goes into the ear canal and vibrates the eardrum which vibrates three tiny bones. Then, the vibrations become fluid vibrations in the cochlea, causing hair cells to move and open stereocilia so that chemicals can turn those fluid vibrations into the electrical signals our brains translate into sounds we recognize and understand.

Once hair cells are damaged, they cannot be repaired. This damage is what causes NIHL. So, if your headphones are routinely at maximum volume, with prolonged use you can damage your hearing. Because all headphones aren’t created equal, you would need to check the maximum decibel output for your particular make and model.

If you are concerned with hearing loss and how it relates to your headphones or loud noises in general, it is a good idea not to keep your headphone volume up too loud or engage in extremely loud activities too often.

Tips When Shopping Around for Childcare

Working outside the home is common in many parts of the country yet doing so may not necessarily be easy for many households. With many single parents, dual-income households, and other circumstances to work around, accommodating the needs of young children can pose a challenge. However, by finding quality childcare to help fill scheduling gaps, these types of families can have more peace of mind knowing that their little ones are taken care of while they are away for work or simply in need of an extra hand. By understanding the type of factors to consider when on the search for childcare options, it can be easier to get a good fit for your lifestyle and budget.

Photo by Gautam Arora on Unsplash

Child’s Age

First and foremost, a child’s age will quickly rule out some options you have available in your community. Many facilities separate children by age to make group activities that are developmentally appropriate and easy to administer and allows children to interact with their peers during instruction and play. This being the case, it’s recommended that you ensure that the facility you choose caters to children that are your child’s age.

The Ratio of Caregivers to Children

While licensed facilities will need to abide by both federal and state laws, it is good to be aware of the ratio of caregivers to children that a childcare facility has to ensure that your child will get adequate attention for both educational and safety reasons. Additionally, this can give you a good idea of whether or not your prospective caregivers will make the effort to keep current with recommendations set by childcare experts and legislators.

Parent Participation

As the old adage goes, it often takes an entire village to raise children. In a childcare setting, this often means having open communication between educators and parents. This can make it easier to create an optimal environment and consistency for a child that can benefit from learning and overall well-being. It can be helpful to ask about volunteer opportunities, communication methods, and drop-in schedules available for parents who would like to participate more actively.

Waiting List and Enrollment Requirements

Before you allow your heart to get set on a specific childcare option, it’s practical to keep in mind that Little Sunshine's Playhouse and other high-quality facilities may very well have waiting lists of other families who would also like to enroll their children. Before filling out paperwork or researching hours on one childcare option, asking about the waiting list ahead of time can save you time, especially if you have a need for immediate enrollment for a more specific timeline of when you need to have your child start. In addition, it may be recommended that you check any requirements your child must fulfill before even being accepted. For example, immunizations, minimum hours of care that must be paid for are just two common considerations that need to be made as soon as possible.

Photo by Erika Fletcher on Unsplash

Special Needs

If your child has special needs, it is important to check that the childcare options you are considering can provide all the necessary accommodations. For example, children who use wheelchairs or other assistive equipment should be able to easily maneuver around with pathways that are wide enough and ramps that allow access to any elevated areas when necessary. Finding a caregiver that is ADA compliant can be a great start for families with children with special needs. Even something as simple as potty training may be something that families will want to research to ensure that their prospective choices can support whichever stage their child may be in.

Budget

One of the biggest barriers to childcare accessibility is pricing. Some plans for registration fees and other expenses may be easier on the pocketbook for budget-conscious families. For example, some private facilities may be more costly but may also have better features and services that make them worth the investment. In contrast, government programs may be less expensive, but it’s possible that lower rates may result in more crowded spaces or longer waitlists. Some places may require all families to pay the same rate while others may offer special discounts. These discounts can be based on factors such as household income, the number of siblings enrolled in the same program, military status, or memberships.

Type of Facility

It can be very useful to know the different types of childcare facilities that exist so you are aware of all your potential options. Some families may opt to have a private nanny who can supervise children in the family home, provide one-on-one attention to children, and tend to light housekeeping. In contrast, others may prefer the peer socialization opportunities that a larger childcare facility may be able to provide in addition to the convenience of knowing that a team of professionals can tend to children. Additionally, some schools in the community may even offer pre-kindergarten programs that can give young children an earlier start. Although this is a great option, especially for families with an older sibling attending the same school, enrollment opportunities, as well as the length of the school day, may be limited so it’s best to check directly with the schools in your community.

How To Pick An Amazing Swimsuit For A Beach Vacation

It's quite challenging when choosing the right swimwear when you are going on a beach vacation. As exciting as beach vacations are, for some, choosing the right swimsuit can add a little stress. For the benefit of those travelers who want to experience the sands, waves and salt-water fun, the following information can help immensely.

Photo by Link Hoang on Unsplash

Let’s start with the real test! How do you know what’s best for you?

No other garment selection requires so much consideration, as much as a swimsuit does for a woman. To begin with, the design and cut of the swimwear are extremely important. It affects the way it sticks to your body and boosts your beach/poolside confidence.

Decorative components like flounce or a cut-out and a well-placed print play a key role. The most comfortable swimwear is the well-fitted and modest one because it covers most of your body parts, you need not worry about exposing certain areas that you may want to hide. Yet it holds the body together to give you the confidence that makes you enjoy the beach or pool.  Here are some tips to find the best swimsuit before you set out on that vacation of yours;

Shape Matters!

If you can measure the size of your chest, waist, and hip, it is easy to find your body type. The most common body shapes among women are apple, banana, pear, spoon, bell, hourglass-shaped, etc. Of course, the hourglass-shaped body is considered the ideal body shape but the world is a mix and match and not all are supermodels in everyday life!

Photo by Artem Beliaikin on Unsplash

Browse for Options

If you are worried about the apt place to find the apt bathing suit to match your body shape, browsing through some top online options can help. If you want to lay hands on the best bathing outfits, you can try bathing suits from Planet Blue, they have a vast collection of one-piece, bikini tops, bottom with a wide range of fitting from full-coverage to skimpy fit swimsuit styles.

Get a Little Color Conscious

Choosing a bright color and pattern will highlight a body part whereas solid colors will help you hide the unattractive area of your body. For people with pale skin, try choosing black, dark purple, maroon or navy blue. Bright colors will be apt for those with a dark complexion.

Swimsuits Can Create Good Illusions

A high-waist swimsuit with vertical and angled stripes is advantageous to give the illusion of long legs. You will look slim and sexy. Wearing reds will make you look smaller. To add volume to your upper and lower areas, try something with ruffles and hardware detailing. Ruffles will help in adding volume and shirring will hide volume. To hide your waist, the monokini is the best, and tankini will highlight the same. Try picking a boy shorts if you have an hourglass-shaped body.

Let it Complement Your Body

If you are short, the hi-cut bottom will make your legs look slender. Halter-tops will make your bust attractive and bandeau top will make them look wider. To show-off, your figure, try some embellishments like jewels, flowers, sequins, and cut-outs in your swimsuit.

Fabric is Important, Too

If you love going on frequent beach vacations, choose fabrics that will ensure swimsuit longevity. The commonly used strong fabric materials are nylon, neoprene, and lycra. Polyester is the best and most common material used to withstand chlorine and fading. Polybutylene Terephthalate (PBT) is used in competitive suits for stretchability and it withstands chlorine.

Photo by Tyler Nix on Unsplash

Picking the Right One

Pick a top that stays in place while jumping and moving around. Experiment this in the trial sessions, exchange if it doesn’t solve the purpose. Pick a bottom that matches with your hip measurements to feel comfortable and cozy. If you are planning to order a swimsuit online, don't skip to check the size chart and customer reviews regarding the fit and material. Most retailers offer mix and match options to the users to customize their swimsuit according to their size. This will offer much comfort. Buy the appropriate one that fulfills the purpose of your swimsuit. A sexy one-piece or a bikini will be suitable to keep you cool and flattering by the waves, under the umbrella.

Beauty lies in the eye of the beholder. Ladies, at the end of the day, you live your life only once. Wear something that will help boost your confidence and comfort. Ultimately, it is your self-esteem that pervades and inspires your identity and is projected by your vibes in your personality.

Holiday Gift Idea: FUJIFILM INSTAX mini LiPlay

Have you started buying any gifts for the holidays yet? I have been brainstorming ideas of what to get for my family this year. There are moments where I struggle to think of something different from the usual pajamas, clothes, and beauty products. One thing I do know is you can't ever go wrong with tech gifts, especially since most everything these days is tech-related. Instax has some fun items that are sure to please any gift-recipient.

Have fun on-the-go with FUJIFILM's INSTAX mini LiPlay, the hybrid camera that offers instant print and digital technologies (Retail: $159.95). This camera is super cute and so much fun to use. Charge it up, and insert the instax mini instant film, and you're ready to go!

Just snap your photos and instantly print them out with integrated frames or even sound recording. You can even print directly from your smartphone using the mini LiPlay app. The photos are wallet-sized which is perfect for sharing with friends or family.

It comes with a wrist strap and charging cord. It is so user-friendly, even a kid could use it. My son has been obsessed with taking photos and couldn't wait to take some shots of his favorite subject, our dog!

I can totally see giving this camera as a holiday gift or for a birthday. It is perfect to have at a party where guests can get in a picture with the person of honor and have a photo to take home. There is a nostalgic feeling of having photos develop before your eyes.

Other FUJIFILM items to consider:

Unleash the memories locked away in your smartphone with INSTAX mini Link. Connect the mini instax printer seamlessly over Bluetooth to create fun prints to keep and share with family and friends. (Retail: $99.95)

For those who like big adventure, take your photography to the next-level with the compact FUJIFILM X-A7 mirrorless digital camera . A professional-level camera that takes exceptional images and won't weigh you down on your travels. With an articulating touch-screen, 24.2MP imaging sensor and 4K video recording, users can create amazing content on-the-go. Retailing at $899.00, the FUJIFILM X-A7 with the FUJINON FUJINON XC15-45mmF3.5- 5.6 OIS PZ lens kit is the perfect entry to photography and a great way to capture a trip of a lifetime.

Be sure to follow Instax on Facebook, Instagram, Twitter, and Pinterest for product updates and promotions.

Thank you Instax for providing the INSTAX mini LiPlay for us to review. All opinions are 100% my own.

Things To Know Before Mortgage Loan Application

One of your goals is probably to acquire a home. One of the ways you can make your dream come true is by taking a mortgage. However, purchasing a home on mortgage goes beyond finding a house and signing a deal with the seller. Your lender must approve of you. The process can be daunting for first-timers and those who are unprepared.

Qualifying for a mortgage requires some careful planning. You need first to arm yourself with knowledge before you start the mortgage application process. Here are things your mortgage lender or broker probably wants you to know before starting the home loan application process.

image credit

Know Your Needs

You need to understand what you need before talking to a mortgage broker in Ontario or starting the application process. Lenders want applicants who have a standard of materials. Some of the things that your lender probably requires are two years’ worth of tax filings a month of a recent pay stub from a buyer to be listed on loan. Your lender might also require bank account statements of at least three months.

Pay Off Debt

You can lower the ratio of your gross and net income by paying off debts, such as car loans or credit card debt. Usually, lenders don’t like applicants who have committed a significant percentage of their income to loans. You need to have an excellent financial status that will appeal to your lender so that you can get the best rates possible.

A Credit Report

The first thing that any lender would want to check for when applying for a mortgage is your credit. You should prove your creditworthiness to your lender so that you can enjoy the most favorable rates. Therefore, you need to make sure that your credit report is accurate and that the scores are correct. You can apply for a copy of your credit report beforehand.

image credit

Do Your Homework

It would pay if you did your research well before applying for a mortgage. You are looking for a home and at the same time, making a financial commitment that you will probably live with for years. As such, you need to get the best deal possible. You ought to research brokers, loans, and rates before committing to anything.

Now that you know the things to bear in mind when applying for a mortgage, you can make an informed decision. You also increase your chances of getting approved for a mortgage and owning your dream house. Don’t forget to talk to an expert for further guidance.

How To Make The Most Out Of Shopping On Black Friday

This is a sponsored post in partnership with Intellifluence. All opinions are 100% my own. 

It is absolutely crazy to think that the holiday season is practically here already. I tend to try to get a list made of all of the upcoming events, and make a gift list for friends and family. Of course it is super important to set a budget and stick to it. One of the best ways to purchase holiday gifts is by taking advantage of Black Friday 2020 deals.

For years, I have always made Kohl's my number one stop for gifts. I would make sure I previewed the Black Friday deals ahead of time, so that I could make a categorized list. Kohl's always has extra coupons and savings, especially at specific times for Black Friday.

I have been able to purchase most everything on my list at Kohl's including clothing, accessories, pajamas, holiday decor, and gift wrap. The prices are so good, that I can be extra generous with my gift-giving. It's also a great time to stock up on clothes for the winter. I have found that the Black Friday prices have always been better than those lowest prices of the year sales.

A few things to keep in mind if you are heading out to do your Black Friday shopping:

• Be organized. Bring your list and stick to it. Don't forget any paper coupons you might have. 
• Carry cash in several places, not just your wallet
• Use the buddy system. Do not shop alone! It's important to have a family member or friend with you in case things get too overwhelming. 
• If you are headed out in the early morning hours, eat breakfast or bring some snacks in your bag. Include some bottled water. 
• Wear comfortable shoes and dress in layers. It is easy to get overheated in busy stores, so layers are essential. 
• Carry a cross body style bag so that you can monitor your wallet, cash and credit cards more closely. 
• Keep your phone handy in case you have to do some quick addition of your purchases so there's no surprises when you get to the register. 

Photo by freestocks.org on Unsplash

Black Friday shopping can be a fun experience if you are with the right people. I have always enjoyed the thrill of the hunt for great deals with my husband. He is super patient and helps me narrow down choices, and carries my bags. If you plan on heading out on Black Friday, make sure you stop at Kohl's. If in-person shopping isn't your thing, you can always shop online. Either way, happy shopping! 

Tips to Help you Cut your Tax Bill

If you receive an unexpected tax bill it can potentially bring on a lot of stress. There are a few things you can do to cut your bill legally. However, you might need to put a bit of effort in but it could be worth it.

Photo by Sabri Tuzcu on Unsplash

Adjust your W-4
This is the form that you need to hand to your employer. This form tells them how much tax they need to withhold from each pay check.  If you have a big tax bill looming, you might be able to raise the withholding until the next tax year.  If you received a large refund, you could reduce the withholding. This will mean you’re less likely to be living on less money.

Fund an FSA
Did you know that when it comes to your personal taxes you can add tax-free dollars to your FSA every single year? If your employer offers you a flexible account you could use it to your advantage. The latest limit is $2,700 and some employers might allow you to carry around $500 over to the next tax year.

Save Money for College
If you would like to save money so your child can go to college, you could potentially reduce your tax bill. Consider making contributions to your 529 plan. You won’t be able to deduct the contributions on the federal income taxes. However, you could deduct them on your state return. This is only the case if you are putting money into your state’s plan.

Photo by Sharon McCutcheon on Unsplash

Record Your Medical Expenses
If you have had dental care or expensive medical treatments, you should keep hold of your receipts. You can deduct any expenses that are 10% or more than the adjusted gross income for that year.  Let’s imagine that your income is $50,000. You would be able to deduct anything beyond the first $500.

Work on Your Timing
There can be a huge difference between doing your taxes on the last day of December and the first day of January. If you think you have an expense looming try to pay it this year rather than the next. So, for example, having that tooth extracted now means you could meet the medical expenses threshold. If you were to wait until next year you could lose out on your deductions.

Donate Your Money
When you donate money to charity those contributions are often times deductible. What’s more, is those donations do not always have to be in cash. If you have donated household items, food, or clothing you could have a lower tax bill. However, you will need to make sure that you got a receipt for your donations and they went to a recognized charity.

It is possible for you to reduce your tax bill, you just have to take some extra steps. By implementing those things, it can lead to you paying less in taxes every year. Follow the above tips and you’re less likely to get an alarming tax bill.

Shop Using Shipt Delivery From BI-LO (Giveaway)

This is a sponsored post in partnership with Shipt + BI-LO. All opinions are my own.

Hi guys! You might have caught a post I posted a couple weeks ago regarding BI-LO partnering with Shipt delivery service, to bring your groceries and household items straight to your door. It's so convenient being able to order your groceries from your office, sitting at soccer practice, or from the comfort of your home.

Well, I have some other exciting news! One lucky Mom Files reader will win a Shipt membership valued at $99. You will have the convenience of getting same-day delivery from BI-LO. Enter below!

a Rafflecopter giveaway

This giveaway is open to BI-LO customers only and ends on November 17, 2019. For BI-LO locations, please visit BI-LO.com. Must follow rules in Rafflecopter. One winner will be chosen randomly. Mom Files is not responsible for any lost or stolen prizes. Good luck!

3 Best Places to Visit in Europe This Winter

If you love to travel, then planning your next trip will be almost as exciting as actually being on your next trip. (Hey, we said almost!) While many people want to travel somewhere warm and tropical during the colder months, some people are looking for their perfect winter destination. This might be picturesque snowy towns known for their ski resorts, or it might be visiting some incredible cities while they’re decorated for the season. And all of this can be found in Europe.

image credit

Visiting Europe during the winter months shouldn’t be immediately rejected. The cities (and popular tourist spots) will likely be less crowded, flights and hotels will likely be cheaper, and there are plenty of seasonal offerings and decorations to enjoy. Holiday markets and events are common, but you’ll be able to find seasonal events wherever you go. Plus, all of the beautiful lights and decorations will put you in a happy and festive mood, and they might just make your travels that much better.

Here are the 3 best places to visit in Europe this winter:

1. Prague, Czech Republic
Prague is a wonderful place to visit in the winter because there’s so much to do during this festive time of year, from visiting seasonal markets and events to taking in all the festive decorations and picturesque scenery. If you visit in December or early January, you absolutely must check out the city’s Christmas markets at Old Town Square and Wenceslas Square (but there are even more around the city). There you’ll find seasonal ornaments, trinkets, keepsakes, souvenirs, and plenty of hearty foods and drinks.

Want to experience a real-life winter fairytale? Head to the Prague Castle to learn more about the city’s history and admire some incredible art and architecture. To escape the cold, check out museums like the Kafka Museum, the Národní museum, The City of Prague Museum, and the Museum of Decorative Arts in Prague. And when you’re done, relax with some Czech beer or a glass of wine and a big bowl of goulash.

2. Paris, France
Paris receives tens of millions of tourists per year, and the warmer months are the most popular times to visit. Why not escape the crowds and visit one of the world’s most romantic cities during the winter? Sure, it’ll be cold, but if you’re lucky, you might get to see this beautiful city covered in snow. With seasonal lights and decorations, it won’t be a sight to miss.

Besides visiting all of the usual stops in Paris like the Louvre Museum, the Eiffel Tower, the Musée d'Orsay, the Arc de Triomphe, Cathédrale Notre-Dame de Paris, and Montmartre, you should also check out some of the city’s seasonal offerings. Christmas is very popular in Paris, so it’s safe to say that the city goes all out. Check out the shop decorations along the Champs-Elysées, go ice skating at the Eiffel Tower, head to one of the many Christmas markets, or see the decorations at Disneyland Paris. Even if you don’t celebrate the holiday, seeing all the colors and lights will surely make you feel warm and fuzzy inside.

3. Stockholm, Sweden
If you’re able to handle the much colder temps up north, then you must give Stockholm a chance. It’s another picturesque winter destination, and it’s full of exciting things to do, even in the winter. There are numerous Christmas markets to check out, but one of the most popular is the one in Gamla Stan, the city’s old town. Indulge in sweets and meats, sip some festive glögg, and take home some festive crafts and souvenirs. At night, there’s even the option to take a walking tour by lantern light where you can see the sights and learn about Swedish traditions.

For museums, you must check out the ever-popular Vasa Museum, which houses the world’s best-preserved 17th-century ship. For some great food, go to the Östermalms Saluhall, an indoor food market. And if you’re ready to get out and brave the cold again, take a boat ride or hit up one of the area’s many ski resorts.

WonderWorks Myrtle Beach Plans Special Needs Sensory Day

Special needs children and adults in the Myrtle Beach area can have fun and learn about science at an upcoming event that was designed just for them. WonderWorks Myrtle Beach is offering a special Sensory Day event on Sunday, November 17, 2019. This event provides those with special needs the ability to explore, learn, and have fun inside the Myrtle Beach’s iconic upside-down adventure, with many of the exhibits and attractions inside the building being adapted to provide guests more comfort. Tickets to the event are $10 plus tax for everyone.

“We are excited to host Sensory Days here at WonderWorks! We continue to work closely with Champion Autism Network, Inc. every year to ensure we are providing a safe yet fun environment!” says Robert Stinnett, general manager at WonderWorks Myrtle Beach. “Our exhibits and building are altered during the events to provide limited stimulation for children and adults with special needs, while still providing a wonderful experience for all.”

WonderWorks’ Sensory Days programs aim to give those with special needs a chance to explore the indoor amusement park with modifications to help make it more comfortable for them to do so.

WonderWorks Myrtle Beach has partnered with the Champion Autism Network, Inc., CAN, for this event. CAN is an autism awareness organization based in Surfside Beach, South Carolina. Founded in 2012, their goal is to raise awareness about autism, and help reduce criticism, judgment, and to help families develop a network of like-minded people and supports.

To help make WonderWorks sensory friendly for this special event, guests can expect:

• All exhibits will be altered to provide limited stimulation for children and adults with special needs.
• The music throughout the facility will be lowered.
• All exhibits that are generally considered to be loud will be turned off.
• The inversion tunnel at the beginning of the attraction will be shut off.
• The focus of the event will be to create a safe and comfortable environment and experience for guests with special needs, so they can enjoy it all without feeling overwhelmed.

“Our Sensory Events continue to grow year after year, and we look forward to continuing to provide a fun, educational experience for everyone of all ages!” added Stinnett.

WonderWorks Myrtle Beach offers 50,000 square feet of “edu-tainment” opportunities, billing itself as an amusement park for the mind. They offer over 100 hands-on exhibits covering natural disasters, space discovery, an imagination lab, a physical challenge zone, a far out art gallery, and a light and sound zone. WonderWorks is open Sunday through Thursday from 10:00 a.m. to 8:30 p.m. and Friday and Saturday from 10:00 a.m. to 9:30 p.m. For more information, log onto its site: https://www.wonderworksonline.com/myrtle-beach/.

About WonderWorks:

WonderWorks, a science-focused indoor amusement park, combines education and entertainment. With over 100 hands-on exhibits – there is something unique and challenging for all ages. Feel the power of 84mph hurricane-force winds in the Hurricane Shack. Make huge, life-sized bubbles in the Bubble Lab. Get the NASA treatment in our Astronaut Training Gyro and experience zero gravity. Nail it by lying on the death–defying Bed of Nails. Conquer your fear of heights on our indoor Glow-In-The-Dark Ropes Course. WonderWorks is also home to Wonders of Magic, starring Terry Evanswood, the award-winning and longest running performer in Myrtle Beach. WonderWorks hosts birthday parties and special events seasonally. Open Sunday thru Thursday 10am-8:30pm and Friday and Saturday 10am-9:30pm. https://www.wonderworksonline.com/myrtle-beach/.

How to Prep for Vacation at Work

Do you regularly plan for and take vacation? If not, you’re probably hurting yourself and your general level of satisfaction. Planning a vacation actually makes people happier than if they don’t. They’re less stressed, their health is better, and heck, they even have a longer life.

Even if people do take a vacation, they’re probably not taking all the vacation that is owed to them. The reasons for this are varied, but a lot of it has to do with deadlines and too much work. And if you don’t take those vacations, you’re hurting yourself and you’re hurting your company, too. You’re not as focused at work and you’re more likely to burn out too. (Guess what: If you take a vacation, you’re also more likely to get a raise.)

So you need to take time off—how do you prepare for it better in order to maximize your time and not stress out? This graphic offers some ideas.


Thank you ZeroCater for these helpful tips!

The Benefits of HCG Shots for Weight Loss

Losing weight can be a difficult undertaking. Your genetics, metabolism, lifestyle, diet, stress levels and sleep habits can all play a part in your ability to lose weight. Perhaps you've tried to defy genetics, increase your metabolism, change your lifestyle, alter your diet, lower your stress levels, and improve your sleep habits. But then, you realized that nothing is working. In your quest to lose weight, it's important to not give up and allow your setbacks to discourage you. That's because you have options. Getting hcg shots for weight loss could be just what you need to shed those pounds.

What Is HCG?

Before you learn how HCG shots can help you lose weight, you should probably learn what HCG is first. You've probably heard of HCG as pertaining to pregnant women, but you may be wondering why you'd use it for weight loss if you're not pregnant.

HCG, which stands for human chorionic gonadotropin, is a hormone expectant mothers produce in high levels during early pregnancy. In fact, this hormone is what determines a pregnant or not pregnant result in home pregnancy tests. Many experts claim that HCG can help boost your metabolism and help you lose large amounts of fat. You can do all of this without feeling hungry. Accompanied by a strict, ultra-low 500 calories diet, HCG injections can help with weight loss.

What Is the HCG Diet?

The HCG diet is a low-fat, low-calorie diet to help you burn calories faster. The faster you can burn calories, the faster you can lose weight. The HCG diet is generally divided into three phases:

• Loading phase: This is what kicks off the HCG diet and gets it started. You start the diet by eating lots of high-fat, high-calorie foods. This continues for two days.
• Weight loss phase: Get HCG injections daily to get the best results. Then, eat only 500 calories per day for 3-6 weeks or until you get your desired results.
• Maintenance phase: Stop getting the HCG injections. You can gradually increase your food intake, but be sure to avoid sugar and starches for 3 weeks. These practices can help you maintain your weight and help prevent weight gain.

How HCG Injections Work

The same role the HCG hormone plays in expectant mothers can be the same role it plays in weight loss for men and women. For example, if a pregnant woman isn't eating enough to support the growth and development of her baby, the HCG hormone will utilize excessive fats that her body has stored. This is to ensure proper nutrition during pregnancy. This same process can help you burn fat with HCG injections. Your body will start to utilize excess fats, which means that it will help burn these fats faster and more frequently.

Low-calorie consumption can be effective all on its own, but when paired with regular HCG injections, it can increase the effectiveness of burning excess fat. Also, just doing the HCG diet alone can leave you feeling weak, while HCG injections can ensure your body gets the energy it needs.