Mommy Pehpot, Author at Mommy Pehpot

3 Ways To Pay Off Debt In The UK

All over the world, people are wrestling with debt and increased living costs. Buying groceries, paying rent, and purchasing necessary items for your family have all increased in price while at the same time wages have either decreased or stayed the same over many years. This makes raising a family and having everything that you need without credit cards or debt quite a challenge. Many families are so stifled by debt that they not only live paycheck to paycheck but they are also struggling to make debt payments on time. This article will focus on sharing a few ways to pay off debt in the UK.

Personal loan. If you have a credit card with a high interest rate, you should consider paying it off with a personal loan. Be sure to apply for a personal loan that has a lower interest rate than your current credit card rate otherwise you will be losing money. By paying off the debt with a lower interest personal loan, you will save money by paying less interest over the life of the loan. You can do this easily by applying online. Often times you can get an instant answer and work on paying off your high interest loan or credit card right away. Check out https://www.paydaypixie.co.uk for more information and to begin saving money today!
Balance Transfer. Many credit card companies will entice you to apply for their card because of their great balance transfer offers. Many offer a 0% APR intro rate for up to 18 months. With this great rate comes a 3-5% transfer fee that occurs one time. While this fee may cost you a few hundred dollars depending on your balance, you will save more money over time by avoiding the high interest on your credit card. If you do choose to do a balance transfer, be sure to close your credit card after the balance transfer has been completed. Otherwise, you might be enticed to purchase items on your paid off credit card which would leave you in even more debt.
Pay more than your minimum payment. Try to pay more than your monthly minimum payment as this could be reported on your credit score. Whether you pay your minimum payment or a bigger payment, your credit score will be affected. In addition, if you pay over your monthly payment, you will likely pay off your credit quicker as long as you don’t continue to make purchases with it.

Paying off your debt can be done. All it takes is some time, patience, and responsible budgeting. The key is to lower your interest rate and pay more than your minimum payment. Try to use any extra money towards paying off your debt. By doing so you will pay your debt off quickly and pay less interest over time. By being diligent with your debt payoff plan and following these tips, you will be able to pay off your debts and live a debtfree life in no time at all.

5 Things To Do Before Making The Decision To Employ Someone

Whether you are an experienced recruiter or recruiting for the first time, you must be prepared at all times. After all, you will be representing your company and just like the candidates, you too will need to make an impression! Here are 5 things you should do before making the decision to employ someone.

1.Know what the empty position is and what personnel it requires
If you are working with a hiring manager, you need to ask him or her specifically what they are looking for. In addition to that, you also need to have a proper understanding of the job designation. As a recruiter, if you don’t have a proper understanding of the position on offer, how will you expect to find the right candidate for the post?

2. Be prepared to impress
If you are looking to fill a niche job designation, you will need to be on your top game. After all, people who hold special niche qualifications will need to know exactly why your company is the right fit for them. You can impress the candidates by giving them a tour of your company, explaining the various perks of your facility and discuss benefits of working with you. Doing this will give you more room to build a connection with the candidate.

3. Importance of structured interviews
According to reliable reports, rather than coming up with questions on the spot, it is much more effective if recruiters prepare questions beforehand. Of course, structured interviews need not be limited to only asking questions on the sheet; you do have the clearance to ask follow-up questions and other relevant questions.

4. Do a background check for criminal record
Of course, it is important for you to go through a candidate’s LinkedIn profile and application before interviewing him/her. As we mentioned earlier, just like the candidates, you, too, will need to make an impression. And, you can make a candidate special by simply acquiring the extra information from their profiles on Linkedin. In addition to that, it is also of paramount importance for you to do a background check for criminal record. You will save yourself a lot of trouble by going through an arrest warrant records search. So, how can you do a background check for criminal record? Well, you can do so by simply visiting the site, recordsfinder.com.

5. Be prepared to answer the candidate’s queries
As we have mentioned several times before, despite being the interviewer, you will not be the only one asking the questions in the interview. Towards the end of the interview, the candidate will ask you questions to identify if the job designation is tailor made for them. And, you must be able to convince them by letting them know the daily responsibilities of the role. If you chose to not select a particular candidate, you should seriously consider providing a feedback. According to reliable sources, more than 94% candidates expect to know what it was that prevented them from making the cut. By providing constructive criticism, you will be able to provide a positive experience to the candidate, therefore, making him/her more likely to consider your company as a future employer.

US Potatoes Is The Best Baon For Kids

School year is about to start on our side of the planet. We’re still living in the Philippine naman but our school year starts July. First day of school is on July 12 and we only have next week to prepare for all school related stuff/ activities. US Potatoes Is The Best Baon

First on the menu, #KuripotMoves ni mommy. USAPANG BAON. Imagine gaano kagastos ang 4 kids. While my two older boys refuse to baon lunch, I think I might convince them to bring snacks. My two younger students are OK with snacks and lunch baon as long as I will be the one to prepare the baon. OK Fine!

Mabuti na lang I just discovered the most ideal baon for my kids. Say hello to US Potatoes and today I am going to convince you why US Potatoes is the best baon for your kids.

5 Reasons Why US Potatoes Is The Best Baon For Kids

Reason #1. US Potatoes The Best Baon For Kids because it is a good source of Vitamin C. Shocking no? 17 mg of vitamin C per 100 grams of US Potato. And aside from Vitamin C, it also contains Vitamin A, B and P. It also contains Potassium, calcium, iron, and phosphorus. It is also a good energy source, perfect for the active lifestyle of any school kid.

Reason #2. US Potatoes The Best Baon For Kids because it is easy to prepare! This could have been my reason number #1 but we’re trying to be healthy here. It is very easy to prepare because US Potatoes is available in different cuts. The frozen variety comes in straight cut, lattice/basket weave/criss cut, loop/curl/twister, hash browns, tater drums/tater tots, wedges, 3/8 cut, natural crisps/chips, slices, half shell. The frozen variety criss cut is my favorite!

US Potatoes is also available as US fresh potatoes and US standard potato flakes.

Reason #3.US Potatoes The Best Baon For Kids because it is available in leading supermarkets.

For the list of groceries/supermarkets where US Potatoes is available, check out US Potatoes Facebook Page. You will know if it is a US Potatoes when you see the Grown in USA seal.

Reason 4. US Potatoes The Best Baon For Kids because they love potatoes, specially fries!

Marius: If this will be may baon everyday, I am ready for school!

Reason #5. US Potatoes The Best Baon For Kids because there are so many US Potatoes baon recipes that you can do.

Hindi magsasawa ang mga kids. You won’t even hear them say “US Potatoes na naman?” It’s so versatile you can plan a week menu baon using US Potatoes.

US Potatoes One Week Baon Plan

If there’s CamoteQ and BananaQ there is definitely US PotatoesQ! This is tasty and sweet. Enough treat to make your kids go up early and be ready for school.

A different kind of spaghetti, your pasta made from PATATA.. I mean US Potatoes! Para sa batang laging gutom, this is the perfect baon.

Nothing beats US Potato Fries! Best for Wednesdays Baon bec Wednesday is bump day. Kaunti na lang, weekends na ulit!

For Thursday, kids are havingUS Potatoes Croquettes. A bit tedious to make but the taste is super worth it! TIP: Include some minced parsley.

It’s FRIDAY! Let your kids celebrate with this tasty treat: US Potatoes Pastillas!

This is super duper easy to make and you can do this a day in advance, let the kids help and have fun just like we did.

US Potatoes Pastillas Recipe

Ingredients:

1 cup mashed US fresh potatoes
1 cup powder skim milk
1/4 cup white sugar

Super easy preparation:

Mix well the mashed US Potatoes and skim milk.
Take a spoon of the mixture and form into a ball then roll to form the pastillas shape.
Refrigerate for an hour (or the whole night)
Roll in sugar before serving.

O alam nyo na kung ano papabaon nyo sa mga bata next week! 🙂

For more baon ideas using US Potatoes, check out the recipes prepared by the #KumareBloggers