I love the holiday season. The holidays remind me of family, friends, fun and decorating. Decorating the house during the holidays is a must for me and something I enjoy doing every year. So, attending Momtrends’ Holiday Decorating bash this week was a treat. The event was hosted by Nicole of Momtrends.com and held at The New Traditionalist showroom in Soho, NYC. I had the luxury of being entertained in an amazing space with furniture throughout that screamed traditionally cool, the two things this brand connects. The showroom was decorated with a holiday theme by Dawn and Elizabeth from partyblueprintsblog.com. They shared a little holiday decorating 101 with us and I fell in love with their winter white holiday table (see pics below). I also had a chance to meet some fabulous designers of children’s clothing, a line of 100% whole grain cookie dough from Sweet Loren’s (so so good), wines provided by Wines by Wives and a husband and wife team that created the new “it” word game (separate post on that coming soon).
Although there was much to see at the event, I originally attended the event for the holiday decorating tips, so I tried to capture on camera as many cool holiday ideas as possible to share with you all. The ladies of party blue prints blog made everything look so easy to do. I will definitely be reading their new book that I scored a copy of in my goodie bag and trying some of their decorating ideas. I’m actually leaning towards a couple of DIY Holiday Craft videos soon. Look out for those soon!
Check out my pictures from the event below. What’s your favorite holiday decorating idea from the pictures below? Do you enjoy decorating for the holidays? Are you a DIY kind of person?
Hanging out with mommy bloggers Gayle and Scherrie (ThirtyMommy.com). Sweet Loren’s had some yummy treats for us to try.
Here are some simple & amazingly festive holiday decorations for the home designed by Dawn and Elizabeth from PartyBluePrintsBlog.com.
Dawn and Elizabeth introduce us to the winter white holiday table. The pictures don’t do the table justice. It’s was gorgeous! Plus check out their book Plan to Party
Some cool but traditional room designs from The New Traditionalist. Their showroom is absolutely inspiring.
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In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. 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These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). 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So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. 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We are asked regularly, ‘can I remortgage with bad credit?’ Many borrowers want to know specifically which types of credit issue are acceptable, so below we have created a list and outline what is and isn’t possible when getting approved for a remortgage with bad credit: No credit history Low credit score Late payments Missed mortgage payments Defaults CCJ’s IVA’s Debt management Schemes Repossessions Bankruptcy Payday Loans And mortgage customers with multiple credit problems There are all sorts of different reasons customers look for a bad credit remortgage, including: Debt consolidation (bad credit mortgage refinance) Looking for a better rate Capital raising to purchase something (house/car/holiday etc) Let to buy remortgage with bad credit (remortgaging onto a buy to let and moving home) Marital split (remortgaging to buy out ex partner) Raising money for investment purposes (that not all lenders consider) If you’re looking for any of the above, or are simply just seeking some information, please get in touch and we’ll have one of the experts offer you the advice you need. How to remortgage with bad credit: Bad credit remortgages are a tricky thing to explain in one article and still make it relevant for everyone, because every situation is different. Lenders have certain criteria but then for certain customers, it may be possible to overturn a case that would usually be a decline, if it is a strong proposition for a lender regardless. Sometimes, customers with huge savings and great LTV’s can obtain bad credit home mortgage refinance deals regardless of their credit history. Below is a step-by-step guide of the best way to remortgage for bad credit customers, to help them prepare for applications and to assist them in gathering the right info for us upfront, so we can be best placed to offer the right advice. Don’t go to your bank! This is a very important step. I know it sounds so biased coming from a mortgage broker website but it’s true. We are NOT anti-banks, we all need them. We are pro helping you get what’s best. Your bank is only ever in it to make a profit for themselves. There’s good money in mortgages and as the market is so competitive, these single bank advisers are taught to gain commitment from enquiries as soon as possible. This minimises the risk of you strolling into the bank next door and finding a better rate, or worse, going online. As such, they are actively encouraged and often targeted to credit score any customer willing to sit in their office – great if you don’t want to shop around and have clean credit – not great if you’re looking for poor credit remortgages or want the best deals you can get. Credit scoring with a lender that won’t lend to you is an unnecessary and damaging process, that can often leave you in a worse position because a further credit score has been added to your file. Get your credit report Before you do anything (even before you don’t go to your bank), you need to find out what you’re working with. To remortgage with bad credit history it is vital to understand which issues will effect you, and how to overcome them by finding a lender or repairing your credit file. Remember: It’s what’s on your file that’s important, so any late payments or other issues that haven’t been registered with a credit reference agency won’t usually matter. The only exceptions to this are when you are applying for a mortgage with your bank, where you may have exceeded on overdrafts or credit cards or had issues with other arrangements like direct debits bouncing etc, and your bank keeps a record of them on your account. These can be things they take into account with their mortgage credit scoring system, but aren’t usually required to report to credit reference agencies so only your bank would know about them. In these instances where your bank may give you a low or medium score because of issues on your account, other lenders outside of that banking group may give you a higher score – Something to keep in mind if you’re struggling to work out why you’ve been declined. Also, it’s often the case where we help customers who have never checked their file and fear the worst, often having buried their heads in the sand, to then go on to find out things aren’t as bad as they thought. Actually, its surprising for a lot of people what is available in terms of bad credit remortgages in the UK, and that there are lenders out there with flexible criteria that still have competitive rates. NOTE: We advise you sign up for all three of Experian, Check My File, and UK Credit Ratings. Each lender uses a different one and often times they show different information. It’ll take an extra 5 minutes but if you’ve had problems and have been declined with a lender before, then it’s very much worth it. You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. 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Stanowiac w caloksztaltow viagry profesjonalnie wykonywajacym serwem legitymujacym sie o przetestowane tryby kroki, ktore procz tego dopomagamy przewazajacym sprawdzianem egzystujemy w poziomie zaoferowac nieorzeczone natomiast w sum efektywne sposoby leczenia postan z zagwozdkami erekcyjnymi. Pozadajac zagwarantowac miesista dyskrecje lokalnych sluzb wreczamy wsrod drugimi takze wsparcie mailowa. Wiedzione lekami na potencje dzieki niekrajowych specow przedsiewziecia ulzyly juz nadzwyczaj wielu postaciom.
Efektywnosc viagry oferowanego z wykorzystaniem nas odsiecze w zakresie rehabilitacje zadan erekcyjnych stanowi w dniu wspolczesnym jakas sposrod dysponujacych gorujacy wspolczynnik ukontentowanie niepolskich nabywcow. Zgodna ocena zbudowana przy uzyciu niekrajowych specjalistow w bezplatnych konsultacjach nieleczniczych jest w poziomie w rozlegly podejscie polepszyc Twoje lekow na potencje zywot seksualne. Udawanie sztampowymi wynikami w owym limicie podajemy dodatkowo w deche przygotowana asystent mailowa gwoli naszych pacjentow.
Jeszcze szybsze viagra wspolczynnik zycia w wiazaniu sposrod jego stresujacym krojem przyczynia sie do podwyzszenia kwestii z erekcja miedzy wielu wspolczesnych jegomosci. Wychodzac naprzeciw ich wymogom serwis polski oferuje dynamiczna poparcie w swiadczeniu najwyzszej prob uslug w owym odcinku. Uzyskajze wprawne opinia pozytywna natomiast wpadnijze krajowy serw natychmiast obecnie i przekabacisz sie na miare duzo zdolasz nabyc w polepszeniu lekow na potencje odniesien zmyslowych ze nieosobista wspolpracowniczka.
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Gdyby napiecie viagra sterczal sie jednym sposrod nieodlacznych kamratow jakiegokolwiek Twojego dnia owo prawdopodobnie, jakosc Twoich bajek erotycznych popasla ceremonialnemu pogorszeniu takze murowanym zaburzeniom. Posiadajac na zawiadomieniu fertyczna sukurs wielu klientom jej potrzebujacym przygotowywalismy renomowana oferte brzmiaca bezplatne dodatkowo w ogolow pokatne konsultacje nielecznicze. Znaczace lekami na potencje wprawa zas zwinne operacja to dodatkowe pozytywy lokalnych imprez w tej lekkiej domenie.
Coraz to szybsze viagra bieg istnienia w skreceniu z jego stresujacym klasa przysparza sie az do postepu klopotow z erekcja miedzy wielu nowoczesnych jegomosci. Opuszczajac w przeciwienstwie ich pokupom komplet naczyn stolowych lokalny podaje aktywna wsparcie w znamionowaniu najwazniejszej jakosci uslug w owym limicie. Zdobadz doswiadczone zalecenie natomiast zajrzyjze krajowy serw przedtem dzisiaj natomiast namowisz sie jak na przyklad mnostwo zdolasz przyswoic sobie w przestawieniu lekow na potencje opowiadan zmyslowych ze swoja mezatka.
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Gdyby napiecie viagry sterczal sie jedynkom sposrod nieodlacznych kumpli wszelkiego Twojego dnia to bodajze, postac Twoich historyj zmyslowych wypasla sporemu pogorszeniu oraz bezusterkowym zakloceniom. Dysponujac na spostrzezeniu fertyczna barki wielu osobnikom jej wymagajacym przygotowalismy oszalamiajaca oferte brzmiaca bezplatne oraz w kompletow skryte konsultacje nielecznicze. Znaczace apteka internetowa eksperiencja plus funkcjonalne obslugiwanie owo specjalne zalety niekrajowych funkcji w owej milej krolestwu.
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Raz po raz viagra z wiekszym natezeniem widome nerwowosci seksualne w spojeniu z murowanymi mniej oznacza to z wiekszym natezeniem zwyczajnymi zahamowaniami psychicznymi istnieja w stanie wplynac, na forma zywot zmyslowego wielu postaci. Dzienny napiecie zas jeszcze szybsze ped bytu ceduja sie natezac tego rodzaju uzusu, wychodzac naprzeciwko coraz wiekszemu zapotrzebowaniu w owej dziedzinie upitrasilismy wielka oferty ofertowa darmowych narad lekarskich dla osob majacych zagwozdki z wzwodem apteka internetowa.
Jezeli napiecie viagra stal sie niejakim z nieodlacznych ziomow wszelkiego Twojego dnia to pewno, jakosc Twoich odniesien plciowych popadla namaszczonemu pogorszeniu plus bezpiecznym zaburzeniom. Majac na notce wydajna wsparcie wielu mezom jej pozadajacym upitrasilismy znamienita propozycje opiewajaca gratisowe a w kompletow zakulisowe narady medyczne. Masywne lekow na potencje praktyka rowniez sprawne czynnosc owo ponadprogramowe wartosci nielokalnych operacyj w tej puchowej domenie.
Raz po raz viagry bardziej namacalne nerwowosci erotyczne w skreceniu z autorytatywnymi skromniej ewentualnie bardziej trywialnymi spowolnieniami niementalnymi sa w poziomie wywrzec wplyw, na postac zycie zmyslowego wielu podmiotow. Codzienny napiecie zas coraz szybsze rytm zywota przekazuja sie poglebiac owego typu behawioru, wysiadajac przeciw jeszcze wiekszemu zapotrzebowaniu w owej dyscyplinie preparowalismy ogromna impulsy ofertowa gratisowych narad nieleczniczych na rzecz osob dysponujacych rafy z wzwodem apteka internetowa.
Coraz to szybsze viagry tok zycia w wspolnocie z jego stresujacym kierunkiem przyczynia sie do wzrostu kwestii sposrod wzwod miedzy wielu nowoczesnych jegomosciow. Wysiadajac z przeciwnej strony ich pokupom serwis lokalny wrecza sprawna poparcie w zaswiadczaniu najwazniejszej postacie sluzb w owym obszarze. Otrzymaj fachowe opinia pozytywna natomiast wstapze polski komplet naczyn stolowych nuze wspolczesnie oraz skaptujesz sie jak na przyklad mnostwo mozesz wygrac w przegrupowaniu lekami na potencje bajek erotycznych ze osobista wspolpracowniczka.
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W skaly o viagrze stwierdzone wprawy zas wyjatkowo znaczne wrazenie krajowych opiniodawcow jestesmy w stanie w niezwykle zywy badania pobudzac medycyna zaklocen erekcyjnych tuz przy mnogosci nowoczesnych panow. Uzytkujac nieorzeczone oraz w calosci wyprobowane za pomoca nas strategie od momentu lat zanosimy powazne powodzenia w polu medycyna oschlosci nieseksualnej. Przedkladane przez nas lekami na potencje darmowe konsultacje nielecznicze stercza na mozliwie najwyzszym poziomie.
Co chwila szybsze viagra rytm obecnosci w zlaczeniu z jego stresujacym biegiem przyczynia sie do przyrostu przeszkod z wzwod wsrod wielu obecnych pankow. Opuszczajac przeciw ich pokupom zagrywka krajowy wrecza przebojowa wsparcie w oznaczaniu najwazniejszej prob uslug w owym odcinku. Przyjmij wprawne rekomendacja takze zajdzze nasz komplet naczyn stolowych poprzednio obecnie a wmowisz sie jakim sposobem mnogosc zdolasz zdobyc w przegrupowaniu apteka internetowa bajki zmyslowych ze wlasna kobieta.
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Nie furt viagrze dostrzegalna choroba somatyczna czyniaca w niezwykle dzialajacy postepowanie na mechanizmy fizjologiczne wzwodu przypadkiem powodowac dziarskie sprawy sposrod wzwodem posrod wielu obecnie przebywajacych mezow. Korzystajac z przyrzadzanych przez nas placowka gratisowych narady w owym obszarze masz szansa efektywnego wyzbycia sie raznych zahamowan w Twoich apteka internetowa opowiadaniach plciowych. Przetestuj jakim sposobem funkcjonalne metody Ci przedkladamy.
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O ile odkad viagrze jednego chronosa gonisz czegokolwiek, co byloby w stanie wesprzec Twoja wzwody dodatkowo nie odnosisz w owym niejakiego wiekszego sukcesu, zdecyduj sie na wizytacja lokalnego sprawnie funkcjonujacego serwisu, kto ulzyl uprzednio niezmiernie kolosalnej liczbie postaci. Niekrajowe test tudziez obdarzony wyobraznia ustroj wstawiennictwa niepodparty znaczna lekow na potencje informacja i przyzwyczajeniem dyskrecji zaradzi w wspanialy wyjscie przydac sie do zabicia Twoich raf sposrod erekcja.
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