Joint Account: Your Cup Of Tea Or Not

"Therefore shall a man leave his father and his mother, and shall cleave unto his wife: and they shall be one flesh Genesis 2:24"

Hello everyone, hope you are hving a wonderful week? I am doing great too, my week is  good too. Money is a very important factor in a marriage, you need money to buy things, pay for bills etc as married couples the issue of joint account should have been discussed and agreed while you were still single. Now this is my opinion, if you are engaged to be married I think the issue of joint account shouldn't be in place till you are married. For married people I know some people would say but oh how can I trust my partner with money, or so e men will say oh my wife doesnt need to know how much I earn, or how much money comes in. If you belong to the former if you can't trust your spouse with money matters I wonder why you married him/her in the first place and if you are of the latter, I still wonder why your spouse shouldn't know how much you earn.

Joint account has its advantages and disadvantages,  me and my husband operate a joint account but we have our separate private accounts, it doesnt mean I dont know how much my husband earns and vice versa, I do play around with him, I tell him 'his money is mine, our money is ours and my money is mine'  hahahaha

There are many advantages to sharing an account with your partner. For one, it makes it much easier to pay joint bills - saving you the hassle of sending money to each other. It can also make it easier to keep track of your joint monthly spending.

On the other hand, some people prefer to keep their finances private. If this is you, you could consider having a joint account for your bills, but keeping your own account for personal spending.

If you're married opening a joint account together could be a much more convenient approach to managing your money together.

For example, joint banking could make it easier to:

• Pay your joint bills
• Pay your rent/mortgage
• Budget for your food bills and other shared expenses.

Combining your money in this way could make things such as budgeting for regular costs, saving for the future (such as for a wedding, or a holiday) and any other financial commitments much more straightforward.

If you both pay in a set amount each month, it should also help to prevent arguments about money, as neither of you will be contributing more than the amount you've both agreed on - which could significantly reduce your chances of spending the night on the sofa!

What's more, if you have any money 'left over' in the joint account after you've taken care of all your essential costs, you can both decide on the best way of making use of it. You may agree to leave it in the account for any unexpected costs you may face further down the line, transfer it to a high-interest savings account to earn higher returns on your savings, or perhaps treat yourselves to an evening out at a posh restaurant or a weekend away, depending on how much 'spare cash' you have.

Joint accounts: the disadvantages

Of course, the security of your joint finances depends largely on the security of your relationship. If you open a joint account, you're committing to sharing your financial information with your partner, and giving them access to your money.

You and your partner will each know how much the other earns, how much money you spend and on what, along with all your other financial habits. This needn't bother you, but you may prefer to have some degree of financial privacy - in which case you may want to keep your finances separate, or have your own individual bank accounts as well as your joint bank account.

If the relationship doesn't work out and you split up, and it becomes clear that your other half has been keeping secrets from you when it comes to money, your own finances could end up in trouble too.

So, is joint account your cup of tea or not? Singles is it something you would consider when you get married? And married peeps which do you operate? Please leave your comments, and I would really love to know your thoughts. 

Thanks sweethearts and do have  wonderful weekend

xoxo

Esther

Instagram : houseofsienna

Facebook: houseofsienna

Perfect Eyebrows

Hello beautiful people, how are you all doing, great I guess. If you want perfect eyebrows, you have a few options: you can go to a salon and get them waxed or threaded or you could can create the perfect shape yourself. First figure out what shape is best for your face, then decide how thick or thin to go and shape your brows using tweezers and an eyebrow pencil. With great eyebrows, you can be one step closer to that movie Grab those tweezers!

Find the place where your brows should begin. Finding just the right spot for your inner brows to start is key to creating perfect brows, since starting too far in could throw off the balance of your face.^[1] To figure out where your inner brows should start, use the following technique:

• Take a pencil or another long, thin instrument. Line it up from the corner of your eye to the edge of your nose.
• The place where the instrument overlaps your brow is where it should begin. Mark the spot by making a dot there with an eyeliner pencil. Repeat on the other side.

Find the spot where your eyebrow arch should peak. Most eyebrows naturally arch around the eye, and finding the place where the arch peaks is essential to making them look perfect. Use the same long, thin instrument to figure out where your arch should peak by following this technique:

• Look straight ahead in the mirror.
• Line up the instrument with the outer edge of your nostril and the outer edge of your iris.
• The place where the instrument crosses your brow is where your arch should peak. Mark it with a dot using an eyeliner pencil. Repeat on the other side.

Determine where your brow should end. Finding the right place for brow to end is as important as where it begins. You want your brows to frame your eyes gracefully. Find the right spot by lining up the long, thin instrument in this way:

• Line up the instrument from the edge of your nostril to the outer corner of your eye.
• The place where the instrument crosses your outer brow is the place where it should end. Mark the spot with a dot using an eyeliner pencil.

Determine how thick you want your brows to be.^[2] Perfect eyebrows for someone else may not be perfect eyebrows for you. The thickness of your eyebrows is a personal decision that should be influenced by the following factors:

• The size of your eyes. If your eyes are on the bigger side, thicker brows can help balance them out. If they're small, thick brows might overshadow them, so you'll want to choose a brow thickness that's slightly thinner.
• The size of your lips. A good general rule of thumb is that your eyebrows should be about the same thickness as your upper lip. This can help 'tie the look together'. If you look at pictures of models in magazines than you'll notice this is the case with many of them.
• The distance between your brows and your eyes. If you have a low brow bone that is set close to your eyes, you'll want to pull up your brows a bit to lighten the area. If you have a high browline spaced well above your eyes, heavier brows might provide a more balanced look.
• Your style preferences. Sometimes thick, bushy eyebrows are in style, and sometimes more people prefer them to be thin and well-tailored. Think about what style you're going for before you dive into plucking your brows.

Am Walking On Sunshine

"Let nothing be done through strife or vainglory, but in lowliness of mind let each esteem other better than themselves Phillipians 2:3"

Hello everyone,  how are you all doing?  Great I guess, my week was good, and thank God the weather is getting better can't believe it would be this hot, well am enjoying it.

Have you ever why some people especially those who are close to you feel a lil bit envious or jealous when you climb up the ladder of success.?  Have you ever thought to yourself but this people should be pleased for me and not the other way round, have you ever being in a position where you are jealous if a friend who is single tells you she is engaged and getting married meanwhile you can't keep a relationship together? Or perhaps you feel a tinge of jealousy when your colleague at work gets that promotion which should come to you?  If you are not genuinely happy for someone when they give you good news about themselves please check it that is jealousy.  The bible says rejoice with those who are rejoicing and mourn with those who mourn. Do you rejoice with those who mourn instead, or mourn those who rejoice,  its time you ask God for forgiveness.  Sometimes its easy to feel that way towards someone who we don't particularly like andwe szy in our hearts 'good for him or her'. Be happy for others, rejoice with them when they share their good news with you and if you feel God should have blessed you with such then ask Him, guard your heart everyday. Remember God who blesses otherd is willing and able to do same for you and to you. Stay blessed guys.

Now to my outfit, yap I know not another yellow outfit post hahaha, can't seem to get enough of the colour, its a ray of sunshine, it brightens my day, this time around I had to pair one of my favourite blazer with a high waisted shorts from Zara and this lovely draped top from HM, they had it in blue, white and mustard yellow. I then completed the look with my white bag from Newlook and of cos my pretty while ankle strap sandals.

Do enjoy the pics, and yes Sienna and Sachi photobombed my photoshoot hahaha.

Blazer: Zara// Top: HM// Shorts: Zara// Shoes: Zara// Bag: Newlook// Sunglasses: HM//

xoxo

Have a blast this week

Love you guys

Double Denim -Hot or Not

"Now therefore, if ye will obey my voice indeed, and keep my covenant,  then ye shall be a peculiar treasure unto me above all peop,e: for all the earth is mine Exodus 19:5"

Hello everyone,  hope your week is great, thank God for all the days of the week and yes its another weekend, time to do what you love with family and friends. 

Double denim, whats your take on it? Hot or Not, pls let me know your thoughts. 

The double denim trend is back thanks to 90s grunge-inspired fashion, but is it a welcome blast from the past with plenty to offer us jean-lovers, or a fashion minefield that’s just waiting to blow your stylish reputation sky-high?

The rules of double denim

Get the fit right. No matter how hot-off-the-catwalk your look is, if it doesn’t fit and flatter your body, it won’t do you any favours. The fact that this trend features jeans makes it even more vital to get the fit spot on, but it also makes it easy to do. Just look to a fashion retailer that offers denim in a wide range of sizes, and tailor your choice to your shape. 

Don’t be tempted to add any more blue! Accessorise with a bag and shoes that stand out against the denim.

Wear with attitude. This look is not for shy retiring types, especially going head-to-toe in the same hue. You may well get cowboy comments and you WILL get attention, so slip on a pair of heels and enjoy the limelight with a smile. Weather permitting, a pair of oversized sunnies will give you an A-list air that’s sure to boost your confidence.

Trying out the trend

If you love the idea of double denim but don’t know where to start, try teaming a denim jacket in one colour with jeans in another. The effect is a catwalk-inspired finish but in a very subtle, wearable way. We love black jeans with a light-wash denim jacket: just add a plain white tee, elongate your legs by matching your black jeans with a pair of black heels, and you’re good to go.

Turn to patterns to mix things up. Printed jeans teamed with a plain denim jacket will give you a fun, simple way to work the latest catwalk prints and double denim, for even more style points.