Breakfast Night With Krusteaz Giveaway!

One of my favorite dinners!!!  Please feel free to share this giveaway with your family and friends for their chance to win!! 

Breakfast Night With Krusteaz Giveaway!

Deliciously Savvy Is Hosting a Giveaway for Krusteaz in honor of National Hot Breakfast Month! Krusteaz makes it super easy for busy families to enjoy hot delicious breakfasts whether it is for breakfast, lunch, dinner or anytime! I love to have breakfast for dinner with my family at least once a week and Krusteaz Mixes and products are just perfect to suit everyone's needs! Enter to win and good luck!
Check out my review HERE!

Hosted By: Deliciously Savvy

Co-Hosted By:

Amy & Aron's Real Life Reviews // The Worthier Part // Heartbeats ~ Soul Stains // My Silly Little Gang // Michigan Saving and More // Capri's Coupons // PaulaMS' Giveaways, Reviews, & Freebies

Plus a Big Thank You To All Of The Fabulous Blogs Helping To Promote This Delicious Giveaway!

The Details:

1 Lucky Winner Will Win All Of The Krusteaz Products Pictured, a Krusteaz Tote Bag, a Pancake Batter Pen, a Krusteaz whisk & a Selfie Stick!

And Now The Giveaway!

Giveaway Dates: 02/19/2017 9AM EST until 03/11/2017 11:59PM EST
Entrants must be 18 years old to enter and giveaway is open to US residents only.
Any Questions Email Me At mcushing7 (at) hotmail (dot) com.
This giveaway is in no way endorsed, affiliated or associated with Facebook,
Twitter or any other Social Media Networking Site. This giveaway is valid only
in the United States. Entrants must be 18+ years of age to enter.
This giveaway will end at 11:59PM (EST) on 03/11/2017.

Good Luck! Enter Below

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By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!

Deliciously Savvy did not receive any form of compensation for this giveaway other than receiving this above items in order to facilitate my review. Once winners are selected via the Giveaway Tools process, the product will be shipped. Winner has 48 hours to respond or another winner will be chosen. No other blog associated with this giveaway is responsible for the product shipment. Krusteaz will be providing the prizes above to the winner. Thank You for stopping by! Any Questions or Concerns email me at mcushing7 (at) hotmail (dot) com.

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Take Different Home Secured Loans To Fund Home Improvement

Take Different Home Secured Loans To Fund Home Improvement

When suddenly your kitchen needs some makeover, or the roof needs some immediate repairs to be done, you may need a considerable amount of fund for the purpose. To arrange for the money, there are several home secured loans which you may take to have the required amount of money in hand. But to avail the best suitable one for your purpose and requirement, you should know the difference, pros and cons of all of it to make an educated and informed decision. Here are some of the types and difference of home-secured loans which you may avail for refunding your home improvement needs.

Cash Out Refinance

When you want to cash out refinance, you have to replace your current mortgage with a new one. By doing this, you get enough cash at the same time to fund your home improvements. The benefit of such a case is that you can take full advantage of the prevailing rate of interest on the mortgage which may be lower than your previous one. You can also have enough money to fund bigger projects like replacing the entire roof of your house. Such loans have a very long payout tenure, usually thirty years, which would also enable you to pay it off over a strategically spread out longer period.

Low Monthly Installments

When you have loans taken out at a lower rate of interest and for a longer period, the monthly installments come down automatically which you do not have any problem in arranging and paying for that specific period. You can also create a corpus by making an emergency fund by curtailing some of your budgets and since the amount is low, it becomes easy to live and accumulate money to pay such low monthly installments. Often, a monthly payment of cash out refinance is much less as compared with other traditional home equity loans.

Costly But Effective

There is an element of cost which is associated with a cash out refinance. You may feel that it is costlier that other traditional line of credit or home equity loans but when you consider the benefits of cash out refinancing in the long run, you will not regret making such a decision. Moreover, if you simply refinance your existing mortgage loan without getting the cash out, you would end up paying higher APR apart from the high closing costs that it contains along with. This might end up in owing more than what you would have owed in your mortgage previously.

Make Careful Calculations

If you make some careful calculations, then you can see the benefit of cash out finance which would now be stretched even for a longer period making it possible and easier for you to repay
back in small amounts. Suppose you have already paid for ten years out of your thirty-year mortgage loan and now opt to take cash out refinance, you do not have to pay it back in twenty years but another thirty years making your whole tenure to forty years along with increased amount.

Credit card consolidation loan reviews need to be checked out when going for such loans in order to go for the right and reliable one. People these days are suffering from credit card issues and they need relief from such worries and tensions. Consolidation loans make things easy and make them under control.

Choosing The Best For Financing Home Improvement Projects

Choosing The Best For Financing Home Improvement Projects

Choosing the best type of finance for your home improvement projects is not a clear cut solution. You have to consider several factors and aspects so as to keep your rate of interest to the minimum as well as keep balance the period of the loan. This would not only allow you to pay off the loan with ease and on time but would also enable you to meet your other financial requirements. All this careful selection and decisive choosing depend on your attitude towards the risk of the interest rate as well as the willingness of the creditor to work with you.

Consider The Options Carefully

When you are eligible for a loan, a common mistake that borrowers do is to choose the highest option without considering the best ones, suitable and affordable and at the same time sufficient enough for the specific purpose. By taking a loan more than required, you often risk yourself for non-payment and fall into the debt trap. As for financing your home improvement projects, you can choose carefully from three available options. You can ask your creditor for an increase in your HELOC, opt for cash-out first mortgage refinancing or payoff the first mortgage with the available equity and then finance your project with a fresh home equity loan.


Increase Credit Line

When you can increase credit line as credit is due, you can have enough money to take on the project successfully. You can now hold on to the low rate of interest on the debt and also you would not have to pay much as closing cost, if you have to pay at all, for such swiping of loans. If the lender agrees to work with you, then there is nothing like this option. Even if you have the potential risk of an increase in the rate of interest which is based on the prime rate, you can take control of it if you pay down the balance of the loan aggressively.

Cash Out Refinancing

Cash out refinancing would pay off your current mortgage along with the release money for the home improvement projects. When the lender agrees to such refinancing, they look into the options of refinancing both the first mortgage as well as the line of credit. There is a point of concern though in such cases as you would lose on the low rate that your home equity line could have fetched apart from ending paying the higher closing cost for the first mortgage. On the brighter side, you no longer have to deal with the interest rate risk on the line of credit by getting a very low rate on the mortgage loans.


Home Equity Loan

This is the final option which is also called the third mortgage as it is third on the line that is to be paid during foreclosure. Though the closing cost would be minimal, the rate of interest could
be higher than your first mortgage. Choosing the right finance entirely depend upon your level of comfort and requirement. Credit card consolidation loan is much needed these days and is a helping hand for those who are struggling with debt issues. Learn about it and make your life easy and tension free.

Loans For Home Improvement Depends On The Size Of The Projects

Loans For Home Improvement Depends On The Size Of The Projects


The loans you want to take should be the loans which you would want and be able to pay. Therefore, you should first know how many loans to take so that you would not have any problem in the future to pay it back. Depending on the size of the home movement project, the loan requirement and the amount should vary. Like for very small improvement projects, you should always pay cash from your pocket. Though it seems to be the old-fashioned and traditional method, mind you there are no further interests added and no one standing at your door to collect the payment.

Categorize Your Project


You should, therefore, categorize your projects into two parts, medium-sized and large projects by considering the type of jobs and the expenses related to it. For such projects, you can get it financed from the banks and other financial institutions. For medium sized projects you should strictly rely on personal and other unsecured loans. But all the time and at all cost, you should be sure of how much to borrow and how much you would be able to pay off monthly. Anything between fifteen to fifty thousand dollars should be considered medium sized, and for such case, you should take unsecured loans. For anything above this range, consider secured loans.

Taking Unsecured Loans

Taking unsecured loans is relatively easy, from application to approval, the entire process is simple. Moreover, you do not require any collateral security to take such loans. The rate of interest is high, though, but the loan amounts are also considerably higher than credit cards. You just have to be sure about the rate of interest, especially the APR, and the tenure, so that you can pay it off with ease and do not have to take debt consolidation loans to pay it off and therefore fall deeper into trouble. Stay away from and shady offer, like payday loans and also compare rates and offers from multiple providers.

Choosing Secured Loans

Secured loans are the best options for bigger home improvement projects only. This should be availed when you find that your home has enough equity and it is best to tie it up with the loan. Such secured loans like home equity loans, HELOCs and cash refinance offer you the best rate which is given for a long time and at a minimum rate of interest. You also get some tax benefits and also can deduct the rate of interest on such loans as well. You can talk to your tax consultant regarding this matter to avail the maximum benefits.

Consider The Risk

When you have a lower interest rate, there are some risks associated with it as well. You may be asked for a huge closing cost and other charges when you want to jump through as such loans take advantage of your property being put as security. Care should be taken that you do end up getting much lesser amount than you’re the equity on your home during such refinancing. Checking out for credit card consolidation is much needed today as it is much popular and useful as well these days. Learn about it and get benefitted.

Learning How To Use Photoshop Ultimate Guide

Being a blogger, I do my best to be a good writer and relate to you guys. I try to connect with my words mostly but sometimes, a picture is worth more than the whole post. I mean really, when I go to other websites, I scan before I read. Something has to catch my eye in order to want me to take my precious time to read it.

I want to be able to bring you the best graphics/images to catch your attention or give you information or both. I had a chance to work with an author on a book called Guide to Photoshop ebook. This is the perfect book for anyone using Photoshop.

This ebook is

There is a complete list of the tools and functions. That's a huge perk because on some dashboards, the icons will show a tool but I will have no idea how to use it. The full description gives me an idea of what the tool is and also explains how to use it,

The options bar covers the setting for all of the configuration options. This section covers all of the options you have and how to use them.

The next section is where I need to spend most of my time. Basic operations. This brings you step by step through how to work a file. Opening a new one to saving it even instructions on how to use formats. Other topics in that section include the following.

  • Preset
  • Color Mode
  • Bit Depth
  • Background Mode
  • Pixel Aspect Ratio
  • Exporting a Project
Layers In Photoshop is so so awesome. I love adding layers to my images. It is explained how to really work each layer.  Moving, Selecting, Aligning, AdjustBlending, Naming, Shaping, and Shape and Text Layers (my favorite).

Working with images in photoshop is really so cool. I love being able to add in images and bring my ideas to something amazing. This is where the creativeness really shines through for me. The options cover navigation, zoom, Actual pixels, The Hand Tool, The Navigator, Brightness/Contrast, Black & White, Levels, and Hue/Saturation. 

The next section is for changing sizes. This is very important. Being able to pick the sizes of the images gives you total control of the image so you can determine what the finished product is. 

The Auto section!! Auto options are amazing. This offers instruction on how to Auto Tune, Auto Color, Auto Contrast give you the best overall appearance. I use the auto buttons all the time. 

There is a whole section dedicated to short cuts. Shortcuts are always your friend. It makes working the whole program faster!!

This is such a cool way to learn and master Photoshop. 

I received a copy of this ebook for free to facilitate this review. 

If you have any questions, please feel free to email us directly at grovesamy81@gmail.com or amy@aarlreviews.com We love hearing from you. 

If you are a business/brand looking to be featured on Amy & Aron's Real Life Reviews please check out our Advertise with Us page to see what all we are offering. We love making custom packages for our clients. 

If you are one of our amazing readers and you have a suggestion for what you would like to see here, 

Sproutbrite Heirloom Seed Gardening Giveaway!

Sproutbrite Heirloom Seed Gardening Giveaway! 2 Winners ~ Choice Of Kits (Herb, Veggie Or Wildflower) ~ Ends 3/09

Deliciously Savvy is hosting a giveaway in which 2 lucky winners will receive their choice of Sproutbrite Heirloom Seed Garden Kits. Choose From Heirloom Vegetables, Herbs or Wildflowers! This is just in time for getting ready for your garden in 2017 and the results of these amazing kits are fabulous & delicious. Enter Today & Good Luck!
You can read my review HERE.

Sponsored By:

Hosted By:

Co-Hosted By:

Amy & Aron's Real Life Reviews // Mixed Bag Mama // My Silly Little Gang // Reviews Of a Busy Mom // Heartbeats ~ Soul Stains // Michigan Saving and More // Capri's Coupons

Plus a Big Thank You To All Of The Amazing Bloggers Promoting This Giveaway! I Can Never Do It Without You!

The Details:

2 Lucky Winners Will Win An Heirloom Seed Box Set Of Their Choice (Vegetables, Herbs Or Wildflowers)! Choices Listed Below:

Sproutbrite Heirloom Vegetable Kit

Includes: Brandywine Tomato, Cherry Belle Radish, Tendersweet Carrot, Golden Beauty Corn, Great Lakes Lettuce, Red Burgundy Onion, Delikatesse Cucumber, Utah Celery, California Wonder Pepper, Calabrese Broccoli

Sproutbrite Wildflowers Kit

Includes: over fifty varieties of wildflower seeds including, daisies, sunflowers, cosmos, annuals, perennials, any many others.

Sproutbrite Herb Kit

Includes: Sweet Basil, Arugula, Chervil, Chives, Cilantro, Parsley, Oregano, Fennel, Sage, Dill

And Now The Giveaway!

Giveaway Dates: 02/16/2017 9PM EST until 03/09/2017 11:59PM EST
Entrants must be 18 years old to enter and giveaway is open to US residents only.
Any Questions Email Me At mcushing7 (at) hotmail (dot) com.
This giveaway is in no way endorsed, affiliated or associated with Facebook,
Twitter or any other Social Media Networking Site. This giveaway is valid only
in the United States. Entrants must be 18+ years of age to enter.
This giveaway will end at 11:59PM (EST) on 03/09/2017.

Good Luck! Enter Below

Also we all “love it if you like us” on Facebook!

By Supporting Our Blogs Via Social Media You Are Helping Us To Provide Fabulous Prizes For Amazing Future Giveaways! Good Luck & Thank You!

Deliciously Savvy did not receive any form of compensation for this giveaway other than receiving this above items in order to facilitate my review. Once winners are selected via the Giveaway Tools process, the product will be shipped. Winner has 48 hours to respond or another winner will be chosen. No other blog associated with this giveaway is responsible for the product shipment. SproutBrite will be providing the prizes above to the winners. Thank You for stopping by! Any Questions or Concerns email me at mcushing7 (at) hotmail (dot) com.

If you have any questions or are a brand/company and would like to work with Deliciously Savvy please contact us here.

As Always…. Thank You For Visiting Deliciously Savvy Today and Leave Some Comment Love While You Are Here!

4 Tips for Hosting a Grown-Up Game Night

One of the perks of having older kids is that you end up finding more adults that you have things in common with. It seems like when your children are babies, all moms are in competition with each other to be the best mom and everyone has an opinion about how everything you're doing is wrong. Unwanted advice is the worst! Then you grow up, your kids don't need you as much, and you make real friends that you actually want to spend time with. 

Family game night is one of my favorite things to do, ever. So why not host a game night for our grown-up friends too? Here are some of my best tips for hosting a grown-up game night.



Have a Designated Game Area

We recently enclosed our porch and turned it into a bedroom, so our back porch is no longer the area where we'd have friends come and hang out. There used to be a pool table and we'd spend hours having fun and hanging out. Now, the living room has more room to entertain, so pulling a table in there with a few chairs makes the most sense.

Decide which area of your house can accommodate your friends and set it up for your game night. A dining room table and a few chairs are really all you need!

Don't Forget the Snacks

Whether you're inviting over another couple to play games with you or if you're having a large group - you'll need snacks. Some of my favorites to serve are kettle corn or even some chips and dip. The easiest way to do snacks is to have a self-serve area (we use our kitchen bar) and some paper plates. The more portable the snacks, the better!

Make Sure You Invite Enough People

When you're planning your game night, it's important to make sure that you'll have a good amount of people depending on the games you want to play. For instance, if you're playing a game that needs partners, choosing to invite an odd number of people may cause some tension.

Choose Appropriate Games

I doubt your adult friends want to play Candy Land or Go Fish, so pick a fun or even a raunchy game to play! I recently had the chance to review Shit Happens - an offensive card game for adults that would be perfect for a grown-up game night. 

Shit Happens is based on the "Would You Rather" party game and rates unfortunate events on a Misery Index from 1 to 100. The scores were ranked by a panel of mental health experts and factor in stress levels, psychological effects, and emotional distress. The goal of the game is to decide if you think those scores are right. What could be more fun than seeing if your friends think that it would be worse to smell like a fart for the rest of your life or get pepper spray in your eyes?


In the box, there are 200 shitty situations that have happened, or could happen. Each player gets three cards and the rest go into a draw pile. Your cards get placed face up in front of you to form your Lane of Pain. Whoever dealt the cards gets to go first, so the person to their right selects a card from the draw pile without saying what its Misery Index is. Then, the dealer has to decide where the card would go in their Lane of Pain. If they guess right, they get the card and gameplay continues clockwise. If they guess wrong, the person to the left gets a chance to steal. Whoever gets 10 cards first, wins. 



Shit Happens is a hilarious and fun game - just make sure there's no little ones running around when you play!

Disclaimer: As a member of PSMI, I received a complimentary copy of this game in order to faciliate this review. Review may contain affiliate links. 

Heated Seat Cushion Review #ChrioDoc


Do you travel a lot?  I do. We have to travel for work, doctors, and our leisure.  That is one of the very few things that I don't like about living so far in the country. We have to travel two hour to get anywhere. It's so funny, there is even a billboard in town that says 2 HOURS FROM ANYWHERE.

Do you have back aches from sitting at the desk a long time? I work from home so I am always at the desk. Sometimes I feel like my lower back is stuck like a broken hinge. 

There is help that makes sitting so much more comfortable. I recently got to try out one of the neatest things that I have ever seen. Its a cushion for the car or office (or where ever) that heats up. It's so easy to use! 

So, yes, I was very happy when I realized this is the style of this seat cushion. So, what do I like about this one? It heats up!! Yes, you read that right. It warms up. It plugs right into the adapter of the 12 v charger in the car. It's a USB just like a phone charger. That's so convenient. 

Just to let you in on a little secret, I am using it at my desk right now :) It's great to help keep me relaxed. It's just comfortable to use all the way around. I really like it. 

This seat is so portable. I can use it anywhere. It takes a few minutes to reach the warmest point and it's a gradual warm up. I like that. It's a comfortable warm too. 

  • Warm, not too hot.
  • Soft Cushion.
  • Soft Cover.
  • Usb means I can use it anywhere. 
  • Foldable
  • Great for traveling and home use.

I received this for free in exchange for an honest, unbiased review. If you have any questions about this product, please feel free to reach us directly by email at grovesamy81@gmail.com or amy@aarlreviews.com

If you are a business/brand looking to be featured please check out our Advertise With Us page to see what all we are offering right now. We would love to get together a custom package. 

3 Outfits For Under $60 at Zaful

Who do you go to with your fashion needs? A site that I have worked with on a few reviews that has never disappointed us and has sizing true to it's tag is Zaful.com. They have a beautiful selection and more than reasonable prices. 

Our last campaign together we worked on a gorgeous dress the Voile Spliced Long Sleeve Maxi Dress. It was absolutely stunning on her!

This time, I was able to get my sister four pieces for under $60! I almost couldn't believe it. I was more than impressed when I realized that is was so inexpensive. And so you know, I am an awesome sister because she loves them all so much. 


This dress is so pretty. The colors and texture are so nice. The belt and and arm bands are the perfect accent for this. The sleeves are a little long but i think that's part of the appeal. The deep V neck is great fro showing off those assets :) 


The ruffles on this top are just adorable. It does fit just like a long sleeve tee shirt. The way it fits is so nice for going out to dinner or going in for a parent teacher conference. It's a style that can be worn anywhere.


This is another great top to where anywhere. Jeans or leggings it looks great. The neck is loose enough to fit comfortable and it looks flattering. That's an amazing combination. The buttons on it are decoration only. It looks really nice.  



These leggings were the perfect choice. As you can see, my sister is a smaller build. These bottoms are the right choice for all three tops. To quote my sister, " They make it look like I have a butt". That is a very happy thing for her.

You can find Zaful on social media on FacebookTwitterInstagramPinterestYoutube,
 Tumbler and Google+ 
Also to their awesome blog Zaful Fashion Trends

I received these products for free in exchange for an honest, unbiased review. If you have any questions about this product, please feel free to email us directly at grovesamy81@gmail.com or amy@aarlreviews.com

We love hearing from you. If you are a company/brand looking to have a product featured please check out our new updated Advertise With Us page to see what all we can offer you. or one of our amazing readers 

Getting Modern With ModernDigs.com

We have been doing so much around the house lately. Well, with everything. A completely new blog design, an addition onto the house, and remodeling parts of the house. We have so many great ideas and want to do them all!!  Trying to find what works best for us has been the hardest part.

One of the ideas that we have is to make our living room which is also my office are right now a more fresh look. Meanwhile, it has to stay functional and comfortable. We have been shopping around for ideas and colors that will match our area somewhat. We don't want to completely remodel, I love my colors, I just want something more updated and modern.

What I mean by that is I want something that I can entertain potential new clients and well as my kids. I know that is something that many of us struggle with. We have to double our home with our office. I love that because I always offer the personal feel for my clients.

Some of my favorite pieces come from a place called Modern Digs. This is a place I can find something perfect to fit my needs. They have a great motto too. I love it when a company can make me feel like they opened their doors to cater to me.
Save on High-End Modern Sofa Beds At Modern Digs, we offer a unique collection of sleek sofa beds from the best manufacturers in the world, all of which are perfect for any modern or contemporary home. And because we hand-select our pieces, you can rest assured that all of the sleepers below are a perfect blend of modern style, durable materials, comfort, and affordability.

When picking something like a sleeper sofa there are many things to consider. The size of your space is the biggest one. A sofa can fit in a standard sofa area but a sleeper sofa takes a little bit more space.

We like sleeper sofa's because when we have company or family movie night, it's so much easier to pull out the couch and let everyone get comfortable. Especially the kids. They never make it through the movie and it's easier to let them sleep on the sofa than it is to carry them to bed, risk waking them up, and dealing with completely recharged munchkins. NOOOO!!

Would you like to see my top picks? I'm so happy you said yes :)

Modern Digs Long Horn Deluxe Excess Sofa


This is beautiful and has so many customizable color/fabric options. I love the "T" style hinge that folds down to make the sleeper. The sleeper surface is 83" wide by 55" deep. Even at Aron's 6'3" height, he would be comfortable.

Cassius Vintage Sofa 


This modern sleeper sofa at Modern Digs is a beautiful piece. I love the symmetrical design. It's so cool how the sleeper section is hiding behind the pillows. Cassius opens to a full size (55"w 79"d).

Daybeds have always had a nostalgic feel to me. I love a daybed positioned by a big window. The fresh atmosphere is so welcoming. Rain or shine, daylight or dark, a daybed is a great place to lounge.

I was checking out the sleeper sofas and say a dew daybeds I would love to have!

The Copenhagen Daybed (on sale right now)
The Copenhagen Daybed has a fixed pillow on the arm so a nap or lean, looks cozy anytime! It has a nice clean looking frame that would match any room.


 Zeal Deluxe Daybed

The Zeal Deluxe is just so cool to me. I love the way both ends raise. It is just so neat! There are several different upholstery and leg designs. Picking the perfect one for me would be a breeze.

So what do you think? Are these options you would like in your home? I would love to have any/all of them, I would make room for them!

This post was written by Amy & Aron's Real Life Reviews on behalf of ModernDigs.com All thoughts and opinions are my own.