Feng Shui

[image via remind]

I have been obsessing over house things lately including interior design. I started to dabble a little bit into Feng Shui and how different colors affect the different functions of rooms... I wrote a couple of articles, one about the best Feng Shui colors for your bedroom and another about the best Feng Shui colors for your living room so check it out if you are in the market for updating your home decor with a fresh new coat of paint you might want to look through and see if any of these color suggestions would work for you!

Determining the Best Feng Shui Colors for Your Living Room
Designing Your Safe Haven: A Guide to Feng Shui Bedroom Colors


Etsy Love: Wren & Chickadee

Creature Comforts has been one of my favorite blogs for a long time now. When I found out that she had her own Etsy shop, I had to check it out. Wren & Chickadee is full of adorable photography prints, mini prints, and PDFs for you to print your own cards. The prices are great too! Go by and check out the shop and the blog, you won't be disappointed!


DIY Tea Cups Suggestions?

last night at the YMCA i found 3 white tea cups in one style and 5 in another so i bought all 8 of them up. i am going to do this project since i haven't been able to find tea cups that i like.

i need suggestions on what i should put on them and i'm praying my limited artistic abilities don't ruin it for me. so far some ideas that i like are:

  • dandelions
  • bunnies
  • mushrooms
  • owls
  • jellyfish/octopus [i wish i could just have hers to be honest with you]
  • eggs
  • plaid
  • silhouettes
  • post card
  • coral
  • dinosaurs

How to Get Out of Credit Card Debt

[image via veave_pl]

Having outstanding credit card debt for one or more credit cards hanging above your head can be a major cause of stress. This is a guide to how I dug myself out of a mountain of credit card debt.

After working a horrible food service job that didn’t pay enough to make ends meet, I found myself buried under a huge pile of credit card debt that I thought I would never be able to pay off. I decided to consolidate my credit card debt and force myself to pay it off in one year. I can’t even begin to tell you how amazing it feels to be out from under that credit card debt so I want to share with you how you can work towards freeing yourself from credit card debt and have that same feeling of freedom for yourself.

How Much Credit Card Debt Do You Have?
The first step to getting yourself out of credit card debt is to take inventory of your credit cards. Create an Excel spreadsheet with a column for: name of the credit card, amount you still owe, and your interest rate. Make an extra row at the bottom for the total of the amounts that you still owe.

Request Lower Interest Rate
If you only have one or two credit cards carrying a balance on them and you make your payments regularly you might want to request a lower interest rate from the credit card providers. Over 15% interest is too much to be paying in interest and most of my cards were running at about 22%. If you cannot get your banks to reduce your interest amount by a substantial amount or you have multiple cards that make it difficult to pay each minimum payment you will probably want to consolidate your credit card debt to one credit card.

Consolidating to One Credit Card
I have read some articles that say that consolidating your credit card debt down to one card is a bad idea, but this is a method that I have used myself and successfully got completely out of debt within a matter of months after doing so. Shop around for a good credit card with the lowest interest rate you can find. If you bank with a credit union they should be able to get you a really good interest rate and if you are lucky you might end up getting 6 months to a year without interest meaning that around $20 more of each payment you make will go directly to your debt and not to paying interest. I was able to indicate the exact amount I wanted my card for so I rounded up my total credit card debt to the nearest hundred and transferred all of my card balances to one place. This of course means no more using your credit cards until the balance is paid off. Using cash is a good practice because you can physically see the money leaving your hand which is much more painful than swiping a piece of plastic.

Do NOT get rid of your old credit cards that are now carrying a zero balance. Closing a credit card account is like burning bridges with a former employer. These credit references are like job references, but for your credit report. If you keep these accounts open it will help your credit score more than if you closed them even if you continue to carry a zero balance. Keep your old cards together locked in a safe in case you need one for an emergency situation in the future.

You should plan on creating a budget for yourself. Make sure you are allocating enough money towards your credit card debt as you can afford to pay even if it means cutting back on some luxury items. Once your card has been paid off you will have a new found appreciation for money and be able to slowly introduce those luxury items back into your lifestyle. Once your debt has been paid off, consider putting part of what you had been paying towards your debt into a high yield savings account such as with ING Direct or Emigrant Direct to help make sure you don’t find yourself in another stressful debt situation in the future. A really great free budget spreadsheet is available through free-financial-advice.net and CNN has Budget 101 that is also a helpful budget guide.

Even after you have paid off your debt it is a good idea to stick with your budget. Accounting for where each dollar you spend goes helps keep things in prospective and helps you avoid running out and putting unnecessary items on your credit cards so you don’t find yourself buried under a huge pile of credit card debt again.

I also published this article on Associated Content.


Things I Love Thursday

Gosta Peterson "Young Sophisticates"

Wow, how did it get to be Thursday again? Sorry, but there are only going to be a couple of things listed today since I've been goofing off!

-Gosta Peterson's photography... I saw it in a magazine when I was getting my hair cut last night and I just fell in love with the first image [up top] and went on a search for a couple more.

-Getting exhibit space for my photography club to display their photography in the next couple of weeks at She Sha, the local hookah bar

-Running off with my favorite coworker to look at boys... and going to Goodwill with her and Jimmy Johns and Revolutionary Road tonight!

-Getting to watch Twilight with my friend and go get our hair cut. We haven't spent much time together since she got her new boyfriend so we had a blast last night.

-Gala Darling's list of 100 Things to Do When You're Upset


For the Love of Peonies

[image via Kristybee]

[image via marcus hay]

Pillow Talk peony

Coral Charm peony
[images via better homes and gardens]

[images via francesco lagnese]

Spring is finally here and I can't wait to get my garden started on my new house. I want to have tons of peonies. I just recently fell in love with these flowers, now I want them to be everywhere even though I know that if I plant them this year I will have to wait until next year before I will get to see their beautiful blooms. I had intended on placing them all around my house, but recently learned that peonies attract ants [which they need to help separate the flowers] and should be put further away from the house to actual pull ants away from your house.


Things I Love Thursday

[image via polanoid]
  • Bunnies
  • Spring time, peonies, warmth, picnics in the garden of my new house
  • Fmylife
  • Cucumber rolls... Can you teach me to make them?
  • News stories that make me laugh such as "Project Runway Loser Kenley Collins Jailed For Beating Boyfriend With Cat". Before you tell me that domestic violence is never funny, I’m aware of that and I know that guys get abused also, but with a cat? Plus she was my favorite person on Project Runway ever because she was such a loon that I couldn’t help but love her so the cat seems quite appropriate.
  • Setting a date to close on my house… I’m supposed to be closing on April 2. I finished picking out paint colors last night!

Etsy Love: Holly Stalder

Holly Stalder is an independent designer from Portland, Oregon. Her clothing creations are beautiful, feminine, and can be made to your measurements. A few of my favorites of her clothing are featured above.

Kiel Mead - Jewelry Lust

Today I found some of the most interesting jewelry online... Kiel Mead is a furniture and jewelry designer in New York. Some of his jewelry designs include the ones pictured above: forget me knot rings, matchstick necklaces, chewed bubble gum necklaces, rings made from keys, retainer necklaces, and glasses with freckles painted onto them. This stuff is so cute and quirky, I'm dying to get my hands on the retainer necklace, bubble gum necklace, and glasses with the freckles [despite the fact that I already have my own freckles]!


#2 Have my Photography Published on Paper

I have been kind of neglecting my 101 Things in 1001 Days obligations and even when I have accomplished things I haven't been marking them off my list. About a month ago Silhouette, the literary magazine for Virginia Tech, featured four of my photographs. These are the four photos that were featured:

If you are interested in buying prints of any of these, they are available here along with many of my other photographs. [Plus if you buy one then that's just one more thing I can mark of the 101 things list!]