Tag Archives: dream homes

How to Start Reviewing Products

Have you ever wondered about reviewing products? Well in this post, I will show you where and how to get started. So if you are really interested in learning about How to start reviewing products… just keep reading.

I just recently started reviewing products for Amazon purchases. I don’t get everything for free, but some things I do. I belong to two websites that you can use to start reviewing a multitude of products. It helps if you have Amazon Prime.

So let’s start with this site here…. This site does either free or a percentage of the product price (the seller decides the discount). You can only pick a certain amount of deals on this site at day. If you purchase in the morning, you have to wait until the afternoon to pick out another deal. I’ve personally only picked three deals off of this site, but so far I really like it. It’s definitely a legitimate site because I have received all three items I picked to review. I only paid a $1 or got the item for free. They don’t have a huge selection of items, but they have decent items to pick from.

Now, on to the second site…here! This site has a TON of items to pick from, in varying departments and varying price. I’ve gotten stuff ranging from beauty to sporting goods. I personally don’t get things I won’t use. The most I’ve paid for an item was $7. So all in all, I think it’s a great way to get products that I’ll use at a discount. It’s actually a ton of fun to scroll down the deals page and see what they have to review. In fact, I’ve already ordered, received and reviewed 5 items in the last 2 weeks. With 2 more reviews to do this week and 2 more items coming this week, as well.

I do these product reviews for fun. Again, I only get things that I will use. Mostly beauty products, home products (aka baking or cooking items), and a few other things like electronics. I don’t earn an income from doing these Amazon product reviews, but I am slowly earning an income via my blog. While it’s nothing but pennies at the moment, over time I hope to be making, at least, $500 a month. I want to be able to contribute more towards our household bills.

The reason I wanted to share this, is because these companies are looking for normal everyday people like myself to review their products to help them rank on Amazon in order to be seen on the first few pages of searches. The closer to the 1st spot in a search the more likely you are to purchase an item, which means more sales for the company.

Well, if you haven’t already head on over to those sites and sign up. It’s a great way to try new products for a discounted rate and all you have to do is leave a short review (or long, if you want) about the product.

Thanks for stopping by! I hope you enjoyed today’s post about How to Start Reviewing Products! I know I sure have enjoyed talking about doing product reviews for Amazon Purchases.

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Waiting Game

The next month or so is going to be a waiting game. Why? Well keep reading to see what the waiting game is all about.

For those that haven’t stopped by our blog before, let me give you a little background on our family.

We’re a family of 7 with a dog and 2 cats!

My husband, Kevin was a United States Marine for 10 years, he was honorably discharged in September 2014. He spent a year working for a small construction company, the pay sucked and the job itself wasn’t much better. But the owners of the company were great people. When I found Kevin’s new job and he accepted the offer, he gave his two weeks. They said if things with his new job didn’t workout, he was more than welcome to come back. They still text him every so often to say they miss him. He’s now been at his new job for almost 4 months. He loves his new job, while it’s not the same type of generator work that he was doing in the military. Job is great, co-workers are great, and the pay is phenomenal. He spends a lot of time traveling, but it is part of the job.

We have 5 kids (three are from my 1st marriage; that ended badly). They’re all under 12. Our house is always crazy. Someone is always doing something too loud, too messy, or too slowly. We’re looking forward to being back on the East Coast, as soon as possible. We’re trying so hard to get our lives together after the Marine Corps to give our kids the best. We have occasionally struggled to make ends meet because we support not only our children, but a house in Maryland that my in-laws live in. My in-laws are finally getting back on their feet, so we’re almost to where we need to be in order to purchase our dream home. No need to damage my husband’s credit by letting his first house get foreclosed on.

This tax season, we were planning on paying off debts (as many as we possibly could). Well we had to change some things around and decided to get all our credit card debt under control. We are just under 25% utilization between all of our cards (we have a lot, lol).

So to get back to the topic of this post… we’re playing the waiting game with our credit scores. Now, before you jump to conclusions we both have good credit scores, we’re just waiting for them to get better. The better the score, the better the rates we can get for a mortgage.

So we’ve got to wait until our credit reports update with all the proper account information. Until then, we’re still going to make more than our minimum payments until our cards are paid off and we’re going to put all of Kevin’s overtime pay into our two savings accounts (only one has online and access via debit card, the other requires Kevin to go to the bank to deposit while he’s in Virginia).

I’m not sure what is worse… the “two week wait” when finding out if you are pregnant or not… or waiting for our credit reports to update.

This has been a long time coming… We’ve just been waiting it out for the last year. We attempted to purchase a house in 2014, but with all the other issues (not getting rent money from his family) we had to put our dreams on hold. But this is a much better year financially and this is the right time for our family to do the things we want to do.

Well enough random ramblings. I’ve got to go do laundry and dishes. The life of a stay-at-home mom/housewife are never done! But I wouldn’t change this for the world. The freedom it allows us, as a family is awesome.

Well I hope everyone has a wonderful weekend. The kids and I have some science fair projects to do.


Credit Card Debt

Just like the average American, Kevin and I have a decent amount of credit card debt. Enough so that it will take us about 18 months to pay it all off. We don’t at all promote excessive usage of credit cards. In fact, we try our hardest not to use it unless necessary. But in when our lifestyle changed, our spending habits and financial situation changed. So now we need to work on getting rid of that debt, so we can start putting money aside for our dream home.

Starting July 1st, we’re cutting out all unnecessary spending. No more Starbucks or Dunkin’ Donuts. No more spending money on makeup, until we’ve paid off all our credit card debt. No more wasting money on Netflix, since our kids never even use it anymore. We’re cutting back on our data plan with our cellphone company, to save a little extra to pay towards our debts. Every little bit helps to pay it off that much faster. By the end of July, we’ll have paid off one of our credit cards. Then it will take us about 3 months to pay off each of the rest of the cards. So by April 2016, we’ll have gotten our tax return back and can pay off our last two credit cards. Which means we’ll have no more credit card debt.

So you’re probably wondering how we’re going to pay off all this debt in a matter of approximately 10 months. We have just under $19,000 in credit card debt. That’s a lot of credit card debt. But lucky for us, we can definitely pay this off in less than a year. We’re good with our money, we don’t go out and by things we can’t afford.

Since we’re cutting out Starbucks & Dunkin’ Donuts (until we pay off our credit cards) we’re going to use the money we were spending on coffee towards our credit card bills.

If two coffee’s everyday costs us about $7 (from Dunkin’ Donuts) and we buy coffee everyday in a month we’re spending about $210. Just on coffee! So our plan is to take that $210 and our minimum monthly payment and put it on the first credit card each month until it’s paid off (it will be paid off by the end of July). Then we’ll take the $210 and the last cards minimum payment (add those together) and then add them to the new cards minimum payment (e.g. $210+$25+35=$270). Once the 2nd card is paid off, we’ll keep on adding the next card’s minimum payment amount to the previous figure until we get our tax return back. By the end of April 2016, we’ll have paid off all our credit cards if we put our entire tax return on our last two cards. Please note: We’ll still be paying the minimum payments on all our other cards while we’re doing this, until we get to the card with the lowest interest rate. By paying off cards from highest to lowest interest rate, we’ll save money in the long run. We won’t be skipping any payments, as we don’t want to hurt our credit scores… we want to improve them as much as possible before we purchase our dream home. No need to get stuck with a higher interest rate on a mortgage than we need too. We have decent credit right now, we could have a 3.375% interest rate through our credit union. But we just haven’t found our dream home, nor do we really have the finances to purchase a home that really fits the needs of our 5 children.

 

So as of right now we’re working on getting ourselves out from under all this credit card debt. I will occasionally update on this subject, so I can tell you how well this system is or isn’t working for us.