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INSPIRED IDEAS, MUSIC

The Best, Sexiest and Sweet R&B Songs

May 1, 2019 No Comments

Get slow, smooth and sexy with our ultimate playlist of the best R&B songs. The best R&B songs have smooth beats mixed with seductive lyrics. These sexy slow jams are perfect for baby-making, getting over heartbreaks, reminiscing about past relationships etc. We’ve compiled a list of our top 10 songs. […]

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topicsabtnothing

Debt free since Nov 2018. Getting Financial Life Together. Learning & Sharing Financial Knowledge/Money Management Tips.
Instagram post 2221367657261123574_6925893045 Barclays are offering free, informal financial guidance to young who need it, whether they are a Barclays customer or not.⁣ ⁣ They will help with understanding budgeting, saving, your credit score or ways that you could reduce your debt. ⁣This a good opportunity, especially if you're starting your journey to financial freedom. ⁣ #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investing #finance #investment #budget #savings #debtfreecommunity #budgeting #frugal #motivation #debtfree #goals #financialplanning #life #savemoney #frugalliving #moneysaving #inspiration #personalfinance #save #moneytips #debtfreejourney #wealth #moneytalk #moneytips
Instagram post 2220698696215380721_6925893045 My plan is to buy a house in the next 3 years. I'm planning on saving at least 25% deposit. I'm saving £200 every month in my #helptobuyisa. This is one of my long-term financial goals. ⁣ ⁣ If I save £200 a month, in 3 years I will have £9,175 including interest and the 25% government bonus. ⁣ ⁣ Seeing how my savings will grow over the time scale I've chosen is making me feel motivated. Do you have a Help to Buy ISA? Or are you using a different method? Let me know in the comments and suggestions are welcome! 😀⁣ ⁣ #savingforahouse #savingmoney #money #savings #savingmoneytips #savingsaccount #helptobuy #helptobuyisa #firsttimebuyer #financialfitness #mortgagetips #daveramsey #debtfreecommunity #debtfreeuk #debtfreecommunityuk #ukdebtfreecommunity #ukdebtfreejourney #ukmoneybloggers #budgeting #budgettips #moneymatters #moneyblogger #moneygoals #frugalfamily
Instagram post 2207389176789685568_6925893045 Look at prices on the screenshots carefully!!⁣ ⁣ I know everyone is trying to save money during the boxing day sales. Just know you may end up paying more than you should. Please be careful, make sure you do your research and look at prices carefully, compare prices before you buy anything. ⁣ ⁣ I was looking at a MacBook Pro and I have just realised that @veryuk are running a misleading sales advertisement. It looks as if the item is on sale but it's actually the same price as the original price even though they are claiming that you could be saving up £20. Some of the models are actually more expensive than they were, when I looked at their website a couple weeks ago. And this MacBook actually cost way less on their competitors websites.⁣ ⁣ It's sad when business do this and I don't think Very is the only retailer doing this. @veryuk can you explain yourself?⁣ ⁣ Please be careful when you shop online. Just because something is on sale it doesn't mean it represents good value!! ⁣ ⁣ #onlinescam #fraud #boxingdaysales⁣ #onlineshopping #onlinesale #budgeting #debtfreecommunity #moneysaver #moneytalk #moneytips #smartmoney #debtfree #debtfreeliving #debtfreejourney
Instagram post 2205432208864694940_6925893045 Getting rid of unnecessary expenses is very important and is definitely something you should consider as it can get your savings started.⁣ ⁣ I recently had a conversation with my friend and we talked about how TV and Music Subscriptions have become expensive and it turns we both had the same idea all along. ⁣ ⁣ 🎵📺 If you have @itunes or @spotify subscription for music and @netflix it will cost you a total of £227.76 every year which is quite a lot. ⁣ ⁣ 📺🎵 Instead of paying for Netflix and Spotify or iTunes, I got @primevideouk, this gives me access to both on demand TV through Prime Video and Amazon Music. The total yearly cost for Amazon Prime Video and Music is £79.99. ⁣ ⁣ 👛 Do the math, you can see how I have been able to save £147.77. ⁣ ⁣ Check out my blog post on How to Save Money Each Month below. Link to the blog is in the bio too! https://www.topicsaboutnothing.co.uk/how-to-save-money-each-month/⁣ ⠀⠀⁣ ⠀⠀⠀⠀⠀⠀⠀⁣ #moneysaver #moneysavingtips #money #budgeting #smartmoney #moneytips #debtfreecommunity #debtfreejourneyuk #debtfreejourney #SavingMoney #Savings #FinancialPlanning #FinanceTips #MoneyBlogger #debtfreecommunityuk #ukdebtfreecommunity #WealthyMindset #WealthyMinds #WealthyLiving #MoneyMotivation #FinancialFreedom #daveramsey #FinancialIndependence #FinanciallyIndependent #amazonprimevideo #netflix #spotify #itunes #netflixandchill #amazonprimeandcommitment
Instagram post 2201084677905144223_6925893045 I'm not really big on cash back apps, although I should probably start using them a lot more than I do. ⁣⁣I mostly use them when I'm making big purchases.⁣ ⁣⁣⁣ I have been using Airtime Rewards since it launched and it's available on most mobile networks.⁣⁣⁣ ⁣⁣⁣ Airtime Rewards lets you collect credit (cashback), towards your mobile phone bill, simply by shopping online or in store with partner retail brands including:⁣⁣⁣ 1. Boots⁣⁣⁣ 2. Primark⁣⁣⁣ 3. Debenhams⁣⁣⁣ 4. Argos⁣⁣⁣ 5. Waitrose⁣ 6. Crew Clothing ⁣⁣⁣ ⁣⁣⁣ Earning rewards is incredibly simple. Download Airtime Rewards & link any Visa or Mastercard payment card to the app, use it when spending with retail and restaurant partners, and earn cashback on every transaction you make.⁣⁣⁣ ⁣⁣⁣ Let me know if you want a referral code. We'll both get a bonus.⁣⁣⁣ ⁣⁣⁣ #cashbackapp #moneyapp #moneysaver #moneysaving #moneyoff #cashback #budgeting #debtfreeuk #debtfreecommunityuk #debtfree #debtfreecommunity #debtfreejourney #ukdebtfreecommunity #sidehustle #financialfreedom #moneytips #money #budget #debt #finance #personalfinance #goals #babystep #debtfreedom #frugal #debtisdumb #frugalliving #debtfreeliving #airtimerewards
Instagram post 2200376235221458712_6925893045 How often do you check in on your finances?⁣ ⁣ Do you know how much money you have available to spend?⁣ ⁣ I hate to say it but for so long I barely checked my bank balance. I would avoid it like the plague. This was because I was literally creating a half arsed budget that wasn't useful.⁣ ⁣ Now, I spend around 5 minutes a day checking in on my finances. Everyday I:⁣ 📝Track spending using my budget app.⁣ 🏧 Check bank accounts to see if my balance tells the same story as my budget.⁣ ⁣ At first it might seem a little overwhelming, but you will get into the habit and after a while it becomes second nature. Now I always have peace of mind when I head to the till and avoid those situation were you card declines when you try to buy 50p flavoured water 😂⁣ ⁣ Being in control of my finances keeps me focused on achieving my goals!!! ⁣ ⁣ Comment below your Good Money Habits!!! #moneytalk #moneytips #debtfreecommunity #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investment #budget #savings #debtfreecommunity #onabudget #budgeting #frugal #motivation #debtfree #financialgoals #daveramsey #financialplanning #savemoney #frugalliving #moneysaving #inspiration #personalfinance #moneysaver #debtfreejourney #wealth #ukdebtfreecommunity #debtfreejourneyuk
Instagram post 2199462880478719262_6925893045 👛 I started my savings journey by saving £50.00 every month without a fail. ⁣ ⁣ 💳 At the same time I was chucking every penny I had towards paying off the little credit balance I had accumulated. I paid off the credit balance within a year. And I had £600 in my savings account⁣ ⁣ 💷 From there I started saving at least 10% of my pay. ⁣ ⁣ This was a simple but effective strategy that worked quite well for me!!⁣ ⁣ #debtfreecommunity #debtfree #debtfreejourney #debtfreecimmunityuk #moneytips #financialindependence #moneymoves #financialliteracy #moneysavingtips #moneysaver #dept ⁣ #personalfinance #financialpeace #financialfreedom #money #savings #daveramsey #debtfree #budgeting #debtfreejourneyuk #ukdebtfreecimmunity ⁣
Instagram post 2198704727818347453_6925893045 My savings goals for 2020. I actually started working on these goals at the end of October. . . My Financial Goals for 2020 article on my blog goes into more detail why I chose each goal and tips on how to achieve these. Link in the bio! . . #financialindependence #personalfinance #financialpeaceuniversity #financialgoals #daveramsey #debtfree #debtfreecommunity #debtfreejourney #savingschallenge #savings #investments #money #millionairemindset #frugal #frugallife #goals#finance #savingsrate #firsttimebuyers #daveramsey #debtfreecommunity #lifeafterdebt #budget #savings #goals #finance #livingthatbudgetlife #debtfreejourney #debtfree #financialfreedom #moneytips #moneygoals #budgeting #debt #zerobasedbudget #financialindependenceretireearly #moneytalks
Instagram post 2168215303673116545_6925893045 Payday is Save Day . The first thing I do on payday is pay myself. I mean, I move money into my savings before I do anything else. Having this mentality has helped me save quite a bit . #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investing #finance #investment #budget #savings #debtfreecommunity #budgeting #frugal #motivation #debtfree #goals #financialplanning #life #savemoney #frugalliving #moneysaving #inspiration #personalfinance #save #moneytips #investor #debtfreejourney #wealth #bhfyp
Instagram post 2163880960536580391_6925893045 If you are saving to buy your first home, save money into a Help to Buy: ISA and the Government will boost your savings by 25%. So, for every £200 you save, receive a government bonus of £50. Yup you read it right for every month you save the Government will give you bonus money!! The best thing is you can open the account by depositing just a £1. . But you MUST sign up by 30th Nov 2019 as the government are ending this great scheme. . . I have put together an article with the best Help to Buy ISAs available on the market on my blog, link is in the bio. . . #helptobuyisa #isa #firsthome #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investing #finance #investment #budget #savings #debtfreecommunity #budgeting #frugal #motivation #debtfree #goals #financialplanning #life #savemoney #frugalliving #moneysaving #inspiration #personalfinance #save
Instagram post 2153279747805764632_6925893045 Saving Goals for 2019! ☺️ I have been using a Regular Savings Account to get myself into the habit of saving every. For the past 12 months I have managed to put something away each month without a fail. I have actually managed to save a lot than I expected. I'm kinda annoyed and disappointed Nationwide decided pull the plug on their Regular Saver. . I have decided to go and open another Regular Saver with a different bank. On my blog I have put together two articles on Regular Savings Accounts. The first article explains what they are and their advantages. In the second article I have compiled the best Regular Savings Accounts available on the market. Check them out on my blog, link is in the bio. . . #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investing #finance #investment #budget #savings #debtfreecommunity #budgeting #frugal #motivation #debtfree #goals #financialplanning #life #savemoney #frugalliving #moneysaving #inspiration #personalfinance #save #moneytips #investor #debtfreejourney #wealth #bhfyp
Instagram post 2037202929539047857_6925893045 It's important to Save Money . . #budgeting #financialliteracy #smartmoney #saving #money #savingmoney #financialfreedom #investing #finance #investment #budget #savings #debtfreecommunity #budgeting #frugal #motivation #debtfree #goals #financialplanning #life #savemoney #frugalliving #moneysaving #inspiration #personalfinance #save #moneytips #investor #debtfreejourney #wealth #bhfyp
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