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Keeping stuff you will never use?

Decluttering your home is certainly a tedious task that takes much time and effort. The worst part of all is that even after you spend hours going through things, you end up with a pile of clothes and objects that you simply can't throw out. Typically you get rid of a little part of the unnecessary staff and in the process decide to keep most of it – not the best strategy for a streamlined home.
Now may be your time to start getting serious about downsizing. Even though this may sound like an easy thing to do, once you start doing the cleaning and the organisation you will find out that it's not. Focus only on the important items and throw out everything else you won't need in the future. Speed up the process with these tips:
Sort through everything The decluttering process will be faster if you designate different boxes for the things which you plan to toss out, the things you plan to keep and one more for things which you can donate or give away. This simple system will help you sort through your things faster.
Toss out the old clothes The hardest thing for some people is to part with is clothes, mainly because they are memory holders. This can be such an issue that in the end nothing gets downsized. Don't get distracted by putting on old dresses and other clothes – it takes time and brings on nostalgia. Just give each piece a quick look and make a snap decision. 
Donate the baby stuff or give them to a friend who can use them. They aren’t getting any use in a box in the attic.
Don't keep old appliances You probably got new ones because they old ones are broken. They take up lots of space and use lots of electricity. Go on your local municipality website for proper disposal channels.
Approach the big job of decluttering room by room and you will find that with commitment and decisive action you can clear the clutter and enjoy your home more.

Breathe new life into your cucina

It may seem difficult to update the look of a kitchen without investing thousands of dollars in new cabinets, counter tops and flooring. It is true that these expensive features are among the most visible and thus influential features in kitchen décor. However, there are some affordable ways to update the style in your kitchen without emptying your bank account with a complete kitchen renovation. Consider how you can implement some or all of these design ideas to see transformational results on a dime.
Update hardware Budget-minded kitchens may not have knobs and pulls on the cabinets and drawers at all, and older kitchens may have outdated hardware that is no longer stylish. Both of these can detract from the style of the kitchen. You can easily improve the look of your kitchen with a trendy edge when you invest in affordable yet stylish hardware. Think about the new look that you want to achieve with kitchen decor. For example, barn door sliding hardware can give your kitchen a rustic yet upscale look. You can find numerous hardware options online, and installing them is a simple DIY project.
Repaint the trim One of the newest trends in home décor is to use darker colors with trim and moldings. If your home is like most, it has white or beige trim. However, it is increasingly common to use dramatic colors like charcoal gray or even midnight black for trim colors. This is typically offset with a more neutral color on the walls, but you can also use lighter shades of tinted colors to create contrast without forsaking color in your kitchen. This is an affordable project that most can complete in a weekend.
Replace the back splash The back splash is a permanent feature, just as the counters and cabinets are. However, this is among the easier and more affordable features to replace. You could choose to use a pricey option, like travertine tile. However, there are affordable discount tiles available at many local stores. You can also use metallic square tiles, which are simply tacked into place. These are available in trendy colors, such as muted silver and copper. Copper is increasingly being used in homes as a metal finish of choice, but it likely is still several years away from being as popular as brushed nickel or rubbed bronze.
Add new light fixtures Light fixtures have an influential impact on style in a kitchen due to their physical style as well as the type of light that they cast in the room. To achieve improved style, think about your need for both direct lighting for work areas and ambient lighting to set the mood. Under-cabinet lighting can be great for ambient lighting, and you can install affordable rope lights under your cabinets with ease. Recessed lighting can also be used with new pendant lights for additional flair. When you choose these features, pay attention to the finish that you have selected for use with your hardware and other updated features.
You may need to replace your cabinets, counter tops and flooring in your kitchen at some point, but in the meantime breathe life into your kitchen on a budget and extend the life of your more expensive features when you focus on some of these affordable design ideas.

Unbolted, a new way of lending

Taking influence from market leaders Wonga, but with plenty of their own additions, founders Rito Haldar and Ashwin Parameswaran already have customers wanting to try out their new system that benefits the asset-rich but cash-poor, a state of affairs that is increasingly common. 

The Financial Technology Company, also known as a ‘FinTech’ start-up offers market-leading rates on loans taken out against the luxury items of the loanee, between 1.5% and 3%. Borrowers apply for these loans at exceptionally low rates by uploading a photo of anything from their jewelry, watches or even cars to ''

On the subject of his newly thriving start-up, co-founder Rito Haldar said, “We set up Unbolted because we want to challenge the way people can access credit through other secured lenders. We’ll do that by being transparent, offering fairer terms, cheaper rates and a convenient, easy-to-use online service that puts consumers firmly in control of their borrowing.”

Unbolted uses a peer-to-peer online model that strips out many costs and ensures customers benefit from lower rates than typical larger loan companies or pawnbrokers, making short-term borrowing affordable and simple to help asset-rich but cash-poor individuals and business owners There’s little doubt that Rito has big plans for the expansion of his business, and with the initial statistics he is right to be optimistic about the future. At a time when the traditional payday loan companies are under intense scrutiny, Rito and Ashwin’s business represents a welcome new face on the block with an innovative way of doing things. 

Ashwin noted, “There’s a certain stigma attached to the pawnbroker industry, which is in real need of a shake-up. We’re aiming to remove this stigma and create a new financing option that benefits more people. We hope people consider us when they come to review their borrowing options. The reality is that in difficult times people sometimes do need extra cash and through Unbolted they now have a smarter, fairer and more sustainable way to do just that.” 

The service was launched shortly after Christmas, when many people are looking to consolidate debts or look for short-term finance options in a cost-effective and convenient way.

As long customers are over the age of 18 and have an asset they can borrow against; the service is available to them. Make sure, however, to consider all options and seek advice from friends and family before taking out a loan of any size.

Do women pay more for mortgages?

Do woman pay more for mortgages? If so, why?
The short answer to whether women actually pay more for mortgages is yes, in many cases they do. Women are better budgeters and carry less debt than men, and they certainly hold positions in the work force that are equal to or above many men. So, why do they pay more for mortgages?
Possible reasons Every situation is different, but some of the reasons that women pay more for mortgages has to do with their own personalities and characteristics than it does lenders being unnecessarily hard on them. There was a study conducted that found many women will end up signing a mortgage agreement that isn’t ideal to their lifestyle or financial situation. Men, on the other hand, will take longer to shop around, looking for a mortgage solution that works best for them. And it isn’t because men are any smarter than women, it’s because they tend to gravitate toward lenders they like personally, even if the overall deal isn’t as good. Basically, they may sign with a lender they feel comfortable with or feel good about, even if they don’t offer the best rates. Women will also sign on with a lender that was recommended by a friend or family member, rather than throw loyalty aside and just go for the best rates.
Possible solutions For women to get deals that are on par with what men get, it’s important for them to ask for what they want. Quite often, asking for a better rate will result in a better rate, and women are more reluctant to ask. It’s important to keep in mind that lenders negotiate all the time, and prospective homeowners ask for better rates all the time. You won’t be offending anyone or ruining your chances at a good deal by asking.
Find a broker Whether you’re male or female, seeking out a mortgage broker to help with your deal can often get better rates than you’d ever get looking on your own. This is especially true if you’re shy or don’t feel comfortable shopping around and asking for lower rates. Mortgage brokers have access to several different lenders, and they are definitely searching for the best deal on your behalf. They are obligated to use specific products or services, and they can take a lot of the pressure off you during the search. There’s no reason for a woman to pay more for a mortgage, and a good broker can help make it happen.
Author Bio: Jonathan Baker is working as a consultant for finance and education at Ontario. He stays updated about the latest news and trends in finance world and shares his insights through his blogs. You can follow him on twitter.

Budget friendly kitchen reno ideas

Kitchen renovations can cost a fortune. Paint, flooring and updating appliances makes staying on budget a huge challenge – but it doesn’t have to be. New technologies and techniques are making it easier than ever to make your kitchen look expensive without being expensive. It also makes it easier to add charm without adding cost. 
Add a barn door An easy and popular way to keep your kitchen separate and give it character is to add a barn door. The most important consideration is to have durable and sturdy sliding door hardware that suits your style and is the appropriate fit. 
Painting or wallpapering appliances While this may seem like a weird way to update your kitchen, new paint allows you to get a stainless steel look without the stainless steel price (and painting can be enjoyable sometimes, or at least tolerable). You can also use basic wall paint and give your appliances a completely different look. Wallpaper can give your appliances a new look not be possible with painting. 
Peel and stick back splash Putting in new tile can be a hassle and cost more that the value it adds. Peel and stick back splashes can be trimmed to the size you need and easily placed where you want it. They are durable and can come in a flat variety to simply add color or in a tile design to mimic the more expensive real tile. The great thing about this option is that there is no grout to end up stained when food splatters the wall. Make a big impact without adding to your budget. 
New floors One of the easiest ways to update a kitchen is to change up the flooring. Many people would choose to replace vinyl floors with tile or hardwood. If your budget does not allow for that, you can use the option of painting your linoleum. This nontraditional method is something that can be accomplished with porch and floor paint. It is durable and can help you to customize your space. Choose from a variety of colors and use stencils to create a unique design. 
Change your cabinets does not necessarily mean buying and installing new cabinets. Painting or distressing can also add a great look to them. Changing the hardware on them can also give them a new lease on life. New handles and drawer pulls can change your kitchen’s style with very little effort. 
No matter what your budget for your kitchen, you can make it look like you spent a lot more. Simple customizations from paint, hardware and creative solutions can take your kitchen from old and outdated to charming and new. Whatever your design entails, there is a way to get the look you want without breaking the bank. Thinking outside the box and giving your space your own unique touches will help you to have the kitchen of your dreams without breaking the bank.

Cauliflower: the new kale!

It’s true! This amazing, versatile vegetable can be made into everything from pizza crust to hummus. It is rich in vitamins C, B and K, fibre, potassium and omega-3 fatty acids. Substitute it for the “bad” white foods (potatoes, rice) and make cauliflower mash, roasted cauliflower or cauliflower rice. You will wonder why you never thought of doing it before!
Here are some more yummy ideas: cauliflower steaks with ginger turmeric and cumin cauliflower tortillas cauliflower falafels bulgur and cauliflower salad    purple cauliflower pizza crust with garlic oil cauliflower and caramelized onion tart roasted cauliflower hummus secret ingredient brownies cauliflower mac and cheese chocolate cauliflower shake cauliflower and kale salad