Transforming Your Loft into a Livable Space

Image result
Belmont UK

In order to avoid uprooting an expanding family from a much liked home, it’s possible to consider converting the attic right into a fully livable and useful space. An alternative option to expanding a family home is to build an extension, that may be nice, but is often more troublesome and costly. Due to this, a lot more homeowners want to make more efficient use of their present space, instead of attempting to create more.

Utilizing a home’s loft space is now more and more prevalent as a result of several advantages that you might wish to start browsing loft conversion prices right away. A well-planned loft conversion is a process of changing an attic space into a completely functional living space, like a bedroom, office space, or games room.

A. Avoid the expense of moving home
House prices have stagnated and even dropped in some areas. With the country caught up in a financial economic downturn, relocating is becoming an unwise decision. On top of the stress caused, you’ll be spending thousands on solicitor fees, stamp duty and estate agent payments. Therefore instead of encountering this ordeal, think about a loft conversion. The work is going to take place out of your way and you also won’t be inconvenienced through the process.

B. A cheaper alternative to extending
When it comes to including extra space, you have two main alternatives; convert the loft, or extend to your garden. With the infrastructure already in place, loft conversion are often the cheaper option. In addition, you will not be taking out a chunk from your garden sufficient reason for it, property value.

C. Utilize wasted space
A loft or attic is usually a wasted part of your home. It usually covers a huge area and lots of home owners just use the area for storage – whether it’s boxes of junk of Christmas decorations. Change the room into a bedroom, bathroom, study or perhaps and ensuite.

D. Increase home value
Transforming your loft is sure to increase the value of your home and studies have shown that investing in an extra bedroom or bathroom can boost property value by 5% and 6% correspondingly. Moreover, converting your loft area into an ensuite bedroom can add on a whopping 20%.

A knowledgeable specialist will be able to provide complete guidance on the entire process of transforming a loft, which could include advising on the feasibility of converting your particular attic space, providing thorough plans, guiding on planning requirements, costs involved, and making certain the work is done to a safe and high standard.

Trust In Marriage: How To Build, Rebuild, and Restore Trust with Your Spouse

Do you have trust issues in your marriage? Without trust in your marriage, it cannot succeed. If you have a no trust marriage, you need to rebuild that foundation of trust to have a happy and healthy relationship.


trust in marriage

Trust in marriage is extremely vital for your marriage to thrive. Trust is also the most important thing that makes pursuing any relationship worthwhile.

Without trust, a healthy marriage or relationship can not exist.

Can your marriage survive without trust? 

Is it even possible to have a great marriage without the complete trust of your wife or husband?

Trusting your spouse is key to a happy, lasting, and healthy marriage!

Without complete trust, it’s impossible for married couples to have a “real” marriage or relationship. By “real” relationship, we mean a healthy one.

Most trust issues in marriages are caused by extra-marital sex, lying, cheating, emotional affairs, constant contact with an ex etc.

The lack of trust and presence of trust issues in marriage certainly plays a big role in many unhappy and unhealthy marriages.

Some of the consequences of trust issues such as infidelity can result in lifelong effects on your kids, spouse, and family.

Building complete trust in your marriage should be a top priority!

Why is trust in marriage so important?

No trust in marriage means your marriage could end in a divorce very quickly. It could also result in separation, and breeds insecurity.

Being able to trust your husband or wife completely provides you with comfort. The freedom to express yourself makes you feel secure, and create’s a peaceful home environment.

It also reduces stress and worries about your husband or wife cheating on you, or doing things behind your back.

In marriage, we have the opportunity to have the most intimate relationship with another human being; our spouse.

And in order to be so closely connected, we must bare our souls to each other.

Dr. Henry Cloud puts it this way, “Intimacy comes from “knowing” the other person at a deep level. If there are barriers to honesty, knowing is ruled out and the false takes over.” (Boundaries in Marriage).

In order for us to feel safe enough to bare our souls to each other, to be naked not just in a physical, but an emotional way with our spouse, we must be able to trust them.


Read more:

23 Passive Income Ideas You Can Start Today

The knowledge on how to create wealth through passive income is now understandable, particularly if you are worried about how to save sufficient money in order to meet your desired goals. However, even though so many people have this understanding, there are still some who do not have enough ideas for making passive income.


Has a nice ring to it, doesn’t it?

After reading books like Rich Dad Poor Dad and 4 Hour Work Week, I became interested obsessed with making passive income.passive income ideas

Whenever someone needs additional income, the stereotypical suggestion offered is to “get a part-time job.”

But what if you don’t have the time or energy to put in all those extra hours?

I know I didn’t.  Plus that wasn’t as appealing as making money while I was trading time for money.

For that, you may need some passive income ideas – ways to make money with little investment of time and effort on your part. And a great benefit to this is if you are trying to pay off debt quickly, this is a huge help to that!

Here’s a list of quite a few passive income ideas, so it’s likely that you’ll be able to find at least two or three that will work in your situation.

1. Invest in Lending Club.

There is probably no passive income that is more perfect than earning interest on safe investments, such as U.S. Treasury securities and bank certificates of deposit. The problem of course is that those instruments pay paltry returns – generally less than 1%. It may be passive income at its finest, but you’ll never be able to relax or retire on returns that are that low.

That makes now the perfect time to talk about Lending Club. It is a web-based peer-to-peer lending platform where people come to get loans, and investors – looking for high interest opportunities – provide the funds for those loans.

Lending Club provides an opportunity to earn interest rates in excess of 10% per year – which is about 10 times what you will earn on more conventional interest-bearing investments.

Now let’s be clear on one point: those high rates do come at a cost. Unlike bank investments, Lending Club loans can go bad, in which case you will lose principal. However, there are ways to minimize those potential losses. I talked to a LendingClub adviser and they recommend starting out with an initial deposit of $2500.  Since you can invest as little as $25 in a single loan, you can actually buy into 100 different loans with a deposit of that level.  So you don’t have to worry about a single loan going bad and ruining your investment.

Despite the risk of default, it’s very likely that you will earn far more on your investments at Lending Club than you will at a bank and I have averages just under 9% during the eight years I have been investing with them. Investing larger sums of money in different ways can be beneficial, whether it be where to invest 10Kor where to invest 100K, we can help you get a better understanding of how to invest your money.

2. Get cash-back rewards on credit cards.

If you’re already using credit for some of your purchases, pursuing credit card rewards is an absolute no-brainer. Most top rewards cards let you earn anywhere from 1-5% back on your money, and that’s with almost no effort on your part!

If you’re already using credit for convenience, you can also earn a huge sum of cash in the form of a signup bonus. The Chase Sapphire Preferred® card offers one of the best opportunities out there. After spending just $4,000 on the card in 90 days, you’ll earn 50,000 points worth $500.  On top of that, if you add your spouse as an approved user, you score an extra 5,000 points.  That works out to 59,000 points for just $4,000 of spending you were going to do anyway.


Read more:

How to Book the Cheapest Flight Possible to Anywhere

Travelling by flights and flying to your favorite holiday destination will get pleasant and remarkable for you only if you get to arrange the flight at a cheaper and better rate. But as cheap flights are not that easily available to one, you get to find these quite rarely and when finally you get one, the fun and satisfaction automatically gets doubled.



We’ve all experienced the tiresome, repeated searching when trying to book the cheapest possible flights to any given destination. With endless search engines and continually fluctuating prices, the approach to frugal flight booking is overwhelming. Here’s some key tips that will save you time, frustration and most importantly money when booking your next flight.

1. Keep your searches top secret

You’re not crazy for thinking that a flight price has changed after searching it a few times in your web browser. Based on the cookies in your browser, flight prices do increase when a particular route is repeatedly searched, as the site wants to scare you into booking the flight quickly before prices get even higher. Always search for flights in incognito or private browsing mode to see the lowest prices.

In Google Chrome or Safari, incognito is enabled by hitting Command (or “Control” if using PC), Shift, “N”. For Mozilla Firefox or Internet Explorer, hit Command (or “Control” if using a PC), Shift, “P”. This will open a new browser window where your information is not tracked, thus not inflating prices as you search. Note: if you’re using an older version of OS X, open Safari then click “Safari” in the menu bar, and select “Private Browsing”.

Your cookies are reset each time you re-open an incognito window. So if you want to start with a clean slate for each flight search (so your previous searches aren’t “remembered”, potentially inflating costs), close all your incognito windows, open a new one, and then perform your flight search.

Screen Shot 2014-11-10 at 3.35.57 pm

2. Use the best flight search engines

All search engines have inflated flight costs as part of taking a cut from the airlines. Some search engines (e.g. Expedia) consistently inflate much higher than others (listed below). It pays to familiarise yourself with sites that offer the best prices.

Use These to Book

  • Skyscanner (our #1 choice)
  • AirFare Watchdog (good at finding sale & error fares – see tip #11)
  • Momondo
  • Cheapoair (U.S., Canada, U.K.)
    • Exclusive coupon for Thrifty Nomads readers: Up to $25 off with promo code THRIFTY25 for 2+ passengers


  • JetRadar (includes budget airlines, which many search engines don’t)
  • Google Flights (good search tool to quickly compare flights – not always best prices)
  • TripAdvisor

Although we’ve listed broad search engines here, note that many do not include budget airlines. If this is what you’re after, do an additional search for regional budget airlines (we’ve listed as many we know of further below).


See more:

Spring Lawn Care

Spring is a time for you to take a good look at your lawn and take required steps to promote its growth and health. The inclement climate conditions of winter make a lawn weary. Following a few easy steps can help the lawn recover its lush green coloration and flourish. Raking, repairing damaged areas, renovating the lawn’s appearance and correct fertilizer applications recover a lawn to its pre-winter glory.

To ready the lawn and gardens for healthy growth and new plants this spring, follow these simple steps.

Preventative Weed Control

A well-kept and healthy lawn should have little problem with weeds as the dense turf and frequent mowing should keep out any weeds. Nevertheless, since this is reality many of us are sometimes plagued with weeds, crabgrass and also other noxious plants. A pre-emergent is considered the best solution, applied in the spring this will help to keep the weeds down and allow the lawn to develop a dense turf to further control weeds.

Image result
(c) Pinterest

Mow the Old Material

Trim and mow your lawn. Do this if your lawn is over grown, or perhaps you are doing your spring clean up late in the season. Your lawn mower will pick up the debris from the previous step.

Add Mulch or Pine Straw

During this spring lawn care, it’s about time you put down mulch or pine straw. You need to refresh your grass beds in order to put color to your lawn. Weeds ought to be stopped from growing as it may block out the sunlight from your lawn.

Most plants benefit from a great fertilizer and, in preparation for new plantings, fertilizing the soil in advance could possibly be the ace up your sleeve. Always fertilize based on whatever you plan to plant, and for anyone who is making use of manure, make absolutely sure that it’s been aged so that it would not burn or kill your plants. Most importantly, make sure not to over fertilize since this can actually hinder new growth.

Pressure Wash Home and Driveway
Your home and driveway needs to be pressure washed. This is because the fall and winter time might have left a lot of dirt and grime. It is suggested that you pressure-wash once each year to be able to give your landscape a boost and also make your house look clean.

There, you’ll find tricks and tips for spring lawn care and getting the greenest, fullest lawn possible. You’ll also find business packages, equipment and tools for all your yard care needs, whether you are a home owner, property manager, or full-time lawn care professional.

7 DIY Storage Boxes {Get Organized!}

A a great thrifty storage solution is to make your own DIY storage boxes. Decorative boxes are wonderful accessories in any space, whether displayed on a bookshelf or corralling office supplies and photos.


Create DIY storage boxes with a few simple ideas, a little time, and a whole lot less money than you would spend at the store!

I don’t know about you, but I can always use a few more storage boxes!  I’m not interested in the same old boring boxes…I’m talking about boxes with a little style of their own.

Make organizing your home more fun with these beautiful ideas.

7 DIY Storage Boxes

diy storage containers - cork

DIY Cork Storage Box – Sugar and Cloth

diy storage containers - stenciled

DIY Stenciled Storage Box – Silhouette America

diy storage containers - fabric

DIY Fabric Storage Boxes – Craft and Creativity

See more:

Making Home Secure with Wireless Surveillance Camera

The usage of wireless security cameras is rising in popularity over the past few years. This can be for numerous reasons. A lot of people use wireless security cameras to make the house secure and to keep an eye on their home. Whatever the reason could be, wireless security cameras are fast-becoming the preferred method of security for many individuals.

Setting up a home wireless security camera system is a wise investment that can pay back many times its worth. Providing security against burglary, assurance and safety is almost impossible to put a price by keeping your valuables well protected.

Now, set up is easy.

Home wireless security camera systems are as complex as starting a digital camera. Just install the cameras wheresoever are needed… then, connect all the pieces to the main receiving unit. To start with, it is advisable to pick a location and mount the camera with just a few screws. You supply a power source such as direct wall outlet connection or a rechargeable battery. And then, you place up a recorder, and you will have a working surveillance system.

Similar to digital camera, wireless security cameras have different features based on the brand and model. A few include a handheld remote control. Some have motion detector and makes use of infrared technology that could be use in low lighting situation. Most only will record one camera at a time each time a movement is detected.

If linked in to a television or computer, the live feed on the security camera can be instantly recorded to the DVD, cassette and hard drive depends upon which is far more convenient.

The sole limitation on some systems is that it may record only 1 camera at a time. Yet, normally, there is a timeout setting so one camera won’t stay on for too much time whenever motion is not detected any longer.

They are now affordable.

Whenever looking to purchase your wireless security camera system, you will be very happy to realize that the price of this powerful technology has decreased drastically, which means greater savings and relief for you. Besides the very huge discounts, you now have access to lots of choices, designs and styles, allowing your security system to really fit in with your surrounding decor. Furthermore, an additional cost advantage of this system is you will no longer pay for professionals for wiring and other related services.

Wireless security cameras could greatly boost the security of your house or business. It might be that you have pondered setting up a wireless security camera system, however haven’t as you believed it’ll be too difficult or pricey. Right now would be a great time to find out more about wireless security cameras.

Residential Roof Warranty

Upgrading a roof might be pricey, so using a warranty is an extremely great idea to protect your investment should something happen. A residential roof warranty is a formal written agreement in relation to the integrity of the residential roof as well as the obligation of the roofing manufacturer to change or repair the roof if flawed. It is very important to all homeowners to acquire a roof warranty as it is essentially the most important parts of the property, and one of the most expensive when it gets broken. As you are selecting your service provider, learn just what warranties you’re provided and just what they will cover.

As is the case with many major construction projects, roof systems are obviously prone to damage but flaw in roofing materials or workmanship errors would be the reason roof leakages. Yet, not all residential roof warranties cover manufacturing defects and workmanship problems which means you need to speak with your service provider regarding which problems are probably be covered. By far the most well-built roofs can function effectively for anywhere between 25 and 40 years, whilst a residential roof warranty is usually only good for 5 to 10 years. If you notice any difficulties with a new roof, you must speak to your roofing contractor immediately to avoid letting your warranty expire before repairs can be done.

Warranties for Manufacturing Material

Material warranties are given by the manufacturer, and you’ll get a workmanship warranty from your service provider. Additionally, there are some independent, third-party companies that may offer a warranty, according to an inspector’s report, that can certainly cover leaks. Manufacturers typically also attach performance guarantees which usually specific that the coatings or materials will stand up as long as specific installation conditions are fulfilled. This is why it is essential to have a roofer who knows the products that they are using. Just like you expect a physician to understand the medicines they prescribe, you expect a roofer to know the coatings and materials they will use.

Warranties for Workmanship Errors

Workmanship warranties might be pro-rated or non-pro-rated. A pro-rated warranty handles only a portion of possible fixes that become needed, with the home owner paying of the remainder. The percentage of owner’s responsibility rises with the age of the roof. A non-pro-rated warranty covers 100 percent of required repairs, without any charge to the customer. Make sure you check just how long the contractor has been around business, so that you know they have been around long enough to have a history of honoring their warranties.

It is also important to note which the warranty on your residential roof could be voided in certain conditions. For example, any modifications, renovations, or repairs to your roof or roofing structure without notifying your manufacturer or contractor will probably null your warranty. Lastly, it is your responsibility to understand what is included, what is not, and what work may nullify your warranty.

How to Protect Home this Christmas Season

The nights are drawing in and winter will quickly be here. Before long we’ll all be getting ready for the festive season. This is usually a inviting time for thieves who might be on the lookout for easy pickings. Houses will likely be filling with more high value items either for Christmas presents or add more satisfaction to the holidays. Although the holiday season is a time to have fun with relatives and buddies, they also present a major opportunity for criminals. These are not times to let your guard down, despite the goodwill towards almost all men attitude especially widespread in the holiday season; home security should, of course, be on the top of your list of priorities.

The weeks leading up to the Christmas period you might be going to family to give them presents, spending time at Christmas markets or cramming in the last minute shopping. All of these mean you’re going to be leaving the home for long time. To serve as some type of protection here are some ideas you can consider to do to ensure your house safety is assured and stop burglars from entering your home and stealing things.

• Put in alarm system systems.
Looks quite self-explanatory really yet the requirement for Burglar alarms to notify the police or neighbors that an intruder is in your property is becoming a lot more important. This does not have to be too costly. Be sure it does the job properly and is efficient. This might save you this Christmas.

• Keep Lights on in a number of areas of your house.
This can be the kitchen, hall way or even the living room. Make use of timer switches on lamps to make sure a light is on once the sun goes down and the darkness begins. Further to this, the radio may be used to prevent burglars because sound coming from the house will detract anybody from getting in. Fantastic deterrent.

• Inform neighbors.
Letting your close and trusted neighbors know when you are out is essential. Whenever they see suspicious activity, them simply activating their yard lights, glancing in your home, saying hello, etc., can be enough to send the crook somewhere else.

• Get some cameras outside your property.
Hang some cameras above your entry way or underneath the gutter on the side of your house. You might just check them as someone is standing outside. Furthermore, a burglar might see the camera and think it isn’t well worth the hassle. The cameras will subsequently act as a deterrent and they won’t enter your property.

Legal Separation vs. Divorce

Legal Separation is an alternative to divorce and is a good choice for couples experiencing marital problems but who are not ready to divorce. This process can also be used in some cases as a basis for long-term reconciliation.


In a legal separation, the parties are still married, versus a divorce where the marriage is ended. A legal separation is a court order that mandates the rights and duties of a couple while they are still married, but living apart. In a divorce, the spouses are no longer married. Legal separations are not too common, but can be helpful to a situation where the spouses work through any personal or financial issues affecting the marriage. In proceedings for legal separation, the court decides the following, much as it would in divorce proceedings:

  • Separation maintenance: this includes spousal and child support, but is called something different to distinguish it from the effects of a divorce. The court papers for separation maintenance are usually filed by a lawyer through what is referred to as a “motion pending litigation”. The court’s decision on awards for separation maintenance does influence what each spouse is awarded should they later continue to divorce proceedings.
  • Child custody
  • Child visitation
  • Property division

Property division during legal separations and divorces are typically determined by the couple’s situation and how it relates to the property. The following situations are common forms of separation affecting property division:

Trial Separation

A trial separation refers to a period of time during which spouses live apart to decide whether or not to continue the marriage. This trial separation has no real legal effect, unlike a legal separation where the parties are ordered by a court to fulfill certain property divisions and duties. Instead, a trial separation is viewed as a period of time in the couple’s marriage. Any property or debt acquired during a trial separation is still considered to be acquired during the marriage, and hence, probably marital property. This is true even if the couple ultimately never gets back together. Not until either spouse decides to end the marriage does this property classification have the potential to change (depending on the state the couple lives in).

Living Separately

Sometimes, circumstances arise that lead to couples living apart with no intent, one way or the other, to continue the marriage. Additionally, some states have laws that require couples seeking to file a no-fault divorce to live apart for a designated period of time. Living separately can affect the property division. Property and debt acquired …


Read more: