Do you still purchase goods using lay-by?

I was recently asked if I could donate a handbag to a woman in need – I happen to have a few spares so I was happy to do so!

While cleaning out the pockets of the handbag, I found the original purchase receipt (which I often keep…), which showed I actually put this bag on lay-by and paid it off in instalments…I must admit, I haven’t done that in a while!

Lay-by is a wonderful option to assist in purchasing high price goods, or many goods at once:

– for the consumer – it assists with budgeting and allows you to select the goods you require in advance

– for the retailer – it assists with budgeting for the purposes of sales with-in an organisation, and expected receipts

For more information you should contact your state based consumer affairs association such as: Consumer Affairs Victoria.

Regards

I know “Frivolous Wednesday” doesn’t quite sound right…but here it is anyway!

I’ve recently seen a few comments on social media from others saying they are tired of seeing “#blessed” on various posts…well to any of you reading this – I am sorry, but today I am feeling #blessed!

Yesterday I celebrated my 40th birthday – hard to believe I know!!

Here’s some background for you…I was actually born on my Mum’s 28th birthday, and it was always a special time for us as I was growing up.

Sadly my Mum passed away in June 2000, and since then I have found I have a particularly difficult time around early December – I can never quite work out if I want to party and celebrate or stay home and cry…

I can honestly say I had the most wonderful day yesterday – I celebrated with family and friends – old and new – close and from afar…and I am truly grateful.

All of you who passed on birthday greetings via social media, texts and phone calls or visits with cake, flowers and gifts, have reminded me just how loved I am – and it’s a very special feeling!

So thankyou to everyone – and happy birthday Mum xo

Regards

Is it bad if I admit that I almost forgot there was a Victorian State Election on Saturday? (I was too busy shopping for a birthday outfit…!)

However, knowing I was going to be out of town, I arranged to vote early (one thing I was able to tick off my to-do list)… and it seems that I was joined by approximately 44% of the voters in the South West Coast electorate!

Before I get too far into this post – don’t panic…I’m not about to go on a political rant!

I live in what is traditionally a “safe – Liberal seat”, and I take no notice of the advertising propaganda that floods our newspapers and television screens in the lead up to an Election (regardless of whether it is Local, State or Federal) – personally I think the amount of money spent on advertising is a gross misuse of funds – but that’s another story!

I have my political beliefs, and they are exactly that…mine!

It will be a few days before all electoral seats in the State are decided, however Labour has claimed victory in this Election, and Denis Napthine (another local from my area) has conceded defeat.

Admittedly I have never done this – but if an issue has been raised in the lead up to this Election, and you want to have more of a say about it – I encourage you to write to your local member, and write again if you need to – only then will your voice be heard.

I offer my congratulations to Daniel Andrews and the Labour Party…all I ask is that you do good by the people of Victoria!

Regards