I'm here to save YOU money. My name is Kristina and I want to give you the most up-to-date saving tips and ideas.

Friday, 22 February 2013

Learn About Mortgage Life Insurance


Learn About Mortgage Life Insurance

Mortgage professionals can protect their clients' families and their homes through a mortgage life insurance policy.

Who Does It Protect?

Mortgage life insurance is simply a life insurance policy on the homeowner which will allow their family or dependents to pay off the mortgage on their home should something tragic happen to them. This is not to be confused with mortgage default insurance, which lenders require to cover their own assets if you have less than 20% equity in your home. Mortgage life insurance is meant to protect the family of a homeowner and not the mortgage lender itself.

How Much Does It Cost?

While it is nice to think that if you were to pass away your mortgage would be paid off, is it really necessary for you to pay for this service? If you already have an adequate amount of life insurance then the answer might be no.
If you are the primary breadwinner in your home and your death would leave your family without the means to pay for the mortgage, then mortgage life insurance might be a good option.

How to Apply

When looking at mortgage life insurance policies, it's important to know if the policy that you choose is portable, and if it's backed by a large organization. A mortgage professional will take you through the ins-and-outs of mortgage life insurance. By evaluating what you really need, and the differences in coverage and costs, you can make the best decisions for you and your loved ones.

I hope this makes sense to you. And I ho you take the time to go to my webpage to apply! What can you lose?
With Love:
Kristina



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Wednesday, 20 February 2013

Banana OatMeal Cookies with Flaxseed! Healthy and Delicious!

Banana OatMeal Cookies



Hello Everyone!

I have a delicious and healthy recipe for you! These Cookies a friend of mine and I decided to experiment with. We added all sorts of things in them. The one in the picture has Chocolate Chips and Flaxseed. You should give them a try, they are yummmm!

Main Ingredients:
3 Bananas
1.5 Cups of Quaker Quick Oats
1 Tablespoon of Flaxseed (optional)

Add-In Ideas:
Chocolate -Chips or chunks
M&Ms or Smarties - for the more dessert lovers
Dried Fruit
Nuts 
Coffee

Directions: 
(1) Pre-Heat oven to 350 degrees
(2) Mash Banana
(3) Add in oats and desired add-ins
(4) Mix well 
(5) Roll into balls and place onto baking sheet - I like to use silicone sheets or baking paper.
(6) Place in oven for 15 minutes or until they are the way you like them! 

Makes 20 Cookies! 

Have Fun!! 

With Love:
Kristina 



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Tuesday, 19 February 2013

Save On Your Grocery Bills!



DOs:

Make a List - By making a list and having in mind what you are going to cook and therefore need from the store it help you not only with time spend shopping, but it also helps you stick to what you know you can afford. You know what the average cost will be, you can set a budget. 

Clip Coupons - Coupons can save you a lot of money! You can find them in many places too; On cartons, cereal boxes, flyers... etc. This way you can ensure you aren't paying full price for what you need and you are cutting your bill meaning you can put more into your saving account or towards something you really want. 

Be Prepared - This means many things. Have your list will ensure you are sticking to your budget and will ensure you don't have to go back, which means more gas and the possibility of buying too much. Have your eco-friendly grocery bags with you when you shop will save you cents each visit by not having to purchase bags at the store. 

Check all Flyers for Sales - My husband and I would check all flyers and pick from each store what we need and then make the trip all in one day. If you don't have time, check the store that has the best sales to accommodate your needs. AND having each flyer can help with the next step!

Shop at Stores that Match Prices from other Stores - Not all grocery stores do this so pick one that will. If you bring the flyer with you from another grocery store stating that asparagus is on sale and then another flyer from yet another store that tissue paper is on sale, the store you are shopping at will give you their products for those prices. Its a great deal!! You don't have to waste the time or gas driving around. And you get to save! How great is that?!


DONTs

Shop Hungry - This is a big mistake! You start to crave everything you see and therefore want to buy it all, in the end you buy too much. And if you are like me, sometimes you just get distracted and cant focus, thus forgetting all together what you really need. 

Buy Brand Name Foods - There are much more options out there, you can find the store brand in almost everything! And you can find out yourself that most things taste the same. But if you find that they don't - wait for a sale and stock up! 

Buy Food you Wont Eat - This is a common mistake, people see it on sale so they get it. just because it says 2 for $5, it doesn't mean you should get the second one. Most grocery store will say 2 for the price to trick consumers into purchasing more, when really if you look at it if you buy 1 it will cost $2.50. Meaning just one is also on sale, you aren't purchasing one at full price, but if you buy 2 its a sale. Nope, take a look: 2 for 5 or 1 for 2.50. SAME THING! Less food and less out of your pocket. 

Buy Junk Food - First let me say if you have to look for sales or buy name brand. Secondly, junk food really isn't good for your health so really you shouldn't have it. Not buying it will help you cut the habit, lose pounds, be healthier and save you money. All in All a Plus! 

Let the Cashier Make a Mistake Scanning in Items - DO NOT LET HIM/HER! I say 1 in 5 times I go to the grocery store I notice that something was rung in wrong. It may just be a dollar or three, but every 5 times I go thats 3 dollars taken for me I shouldn't have to give! If I go once a week plus the times I forgot something or something came up - average it to 8 times a month. Do you see how that adds up? SO watch as each item is scanned and correct the cashier if needed. 


And there you have it!! Cut your bill down each time by using these simple tips! Hope you all had a wonderful weekend :D 


With Love: 
Kristina 



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Monday, 18 February 2013

Make It Last

The Mint Makes it First, It is up to You to Make it Last - Evan Esar-

Happy Money Saving Monday!! 

Hope you enjoy this one - I think it speaks for itself :) Have a good one!! 

With Love:
Kristina


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Friday, 15 February 2013

Getting Pre-Approved for a Mortgage

Learning About Buying a Home

Getting Pre-Approved for a Mortgage 

getting preapproved for a mortgage


If you are looking for a new home, be sure you are pre-approved. With a mortgage pre-approval, a licensed mortgage professional can do a more complete verification prior to sending you shopping for a home, and with that done, the dollar figure you are going shopping with is actually what you can spend.

The mortgage professional that you work with to get pre-approved will let you know for certain what you can afford based on lender and insurer criteria, and what your payments on a specific mortgage will be. Dominion Lending Centres mortgage professionals can lock-in an interest rate for you for anywhere from 60 - 120 days while you shop for your perfect home. By locking in an interest rate, you are guaranteed to get a mortgage for at least that rate or better. If interest rates drop, your locked-in rate will drop as well. However, if the interest rates go up, your locked-in interest rate will not, ensuring you get the best rate throughout the mortgage pre-approval process.
In order to get pre-approved for a mortgage, a mortgage professional requires a short list of information that will allow them to determine your buying power. A mortgage professional will explain to you the benefits of shorter or longer mortgage terms, the latest programs available, which mortgage products they believe will most likely meet your needs the best, plus they will review all of the other costs involved with purchasing a home.
Getting pre-approved for a mortgage is something every potential home buyer should do before going shopping for a new home. A pre-approval will give you the confidence of knowing that financing is available, and it can put you in a very positive negotiation position against other home buyers who aren't pre-approved.

I hope this article helps you better understand what it means to get pre-approved for a mortgage. And I also hope you will take under consideration to contact me so that you can check it out, find out more and see what you can afford. There is no harm in trying and no obligations, just an application to get information.
Click here to APPLY: Apply Online
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Thursday, 14 February 2013

Top 15 Love Quotes!

❤ Happy Valentines Day!! ❤


Top 15 Love Quotes on Valentines Day - 2013!! Write, tweet, share to your loved one(s)!!
Hope you all have a wonderful Valentines Day!! Love and Kisses from Kristina ❤❤❤❤❤❤❤❤❤ 
“We cannot do great things on this Earth, only small things with great love.” 
- Mother Teresa



”There is a place you can touch a woman that will drive her crazy. Her heart.” 

- Melanie Griffith



Love is the thing that enables a woman to sing while she mops up the floor after her husband has walked across it in his barn boots.





Once in awhile, Right in the middle of an ordinary life, Love gives us a fairy tale.



I saved a bunch of money on Valentines Day by switching to...single.. Happy Valentine's Day



Happy Valentines Day! Never give up on something that meant the world to you. 



The best love story is when you fall in love with the most unexpected person at the most unexpected time.



Real men stay faithful. They don't have time to look for other women, because they are too busy loving the one they have.



I wish I could explain to you how I feel, because every night before I go to bed, you're all I think about.



"I love you" means that I will love you and stand by you even through the worst of times.



The greatest thing you'll ever learn is just to love and be loved in return.



“You've gotta dance like there's nobody watching, Love like you'll never be hurt, Sing like there's nobody listening, And live like it's heaven on earth.” 

-William W. Purkey





“Being deeply loved by someone gives you strength, while loving someone deeply gives you courage.” 

-Lao Tzu



Do I love you because you're beautiful, Or are you beautiful because I love you?

-Richard Rodgers and Oscar Hammerstein II, Cinderella



Friends can help each other. A true friend is someone who lets you have total freedom to be yourself - and especially to feel. Or, not feel. Whatever you happen to be feeling at the moment is fine with them. That's what real love amounts to - letting a person be what he really is.

-Jim Morrison 

Wednesday, 13 February 2013

Mid-Week Meals - Chicken Roast

Easy Chicken Roast


Hello Everyone, 

Today I have a simple and easy Roast Recipe for you. I made it last night, it turned out great and my husband loved it too! It would be a great main dish for you husband to cook for you wives tomorrow on Valentines Day - if you don't have a planned meal already :) Its cheap, easy, quick and you both with love it while you stare and gaze into each other eyes. haha. OK, enjoy <3 

Ingredients: 

Chicken Breast - I used 2 because there are 2 of us.
Veggies of choice - I used carrots, cauliflower, broccoli, onion and I meant to use potatoes, but forgot :)
Greek Salad Dressing - My Home Made Kind: Home Made Greek Salad Dressing
Spices - This is optional, you don't have to use any if there are some already added to the dressing. But I used thyme, sage, oregano, rosemary, salt and pepper on just the chicken. 

Directions:

1. Preheat Oven to 375 degree
2. Oil Casserole Dish
3. Place in chicken breast and season
4. Add Chopped Veggies
5. Coat with dressing
6. Cook for 30 - 40 minutes or until desired tenderness. 

Simple and Easy eh!! It took no time at all, its healthy and both my husband and I loved it. 

Hope you enjoy :) 


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