Has your savings account thinned out considerably recently? And are you now forced to make a major expense (again)? Then you may be short of money. In that case, borrowing money is an excellent solution. But this must be done responsibly, of course. Usually you get the choice between a personal loan or revolving credit. While almost all of us have heard these terms at least once, few people really know the difference between the two. How do you make the right decision? And how do you make sure you don't cut yourself off financially?

Borrowing responsibly is how you do it

Borrowing money is still somewhat of a taboo subject. Most people have grown up with the idea that borrowing is bad. However, nothing could be further from the truth. Borrowing does indeed cost money. It is cheaper to save for yourself. Provided it is done responsibly, there is nothing against it. But it is important to make the right decisions.

Fortunately, lenders are already helping tremendously with this. For example, you can't borrow an unlimited amount of what you want. Based on your monthly income and expenses, they calculate the maximum amount you can borrow. This way you know for sure that you can also pay everything back and that you don't risk getting into trouble.

We like to think of borrowing as reverse saving. If you have a big savings goal, you will put away a monthly amount to achieve it. With borrowing, this goes the same way. Only then you will have the amount in your account sooner and then pay back parts of it yourself. In other words, reverse savings.

Consider carefully whether you really want to grab the maximum loan. If the lender has determined that this is your absolute maximum, it also means that there is very little further slack. Therefore, it may be nicer to borrow a little less than the maximum.

Differences between a personal loan and revolving credit

A personal loan is a loan where everything is fixed. This gives you a lot of extra security. The interest rate is fixed, the term is fixed and you know exactly how much you are going to pay monthly in principal and interest. This gives a lot of extra peace of mind. Moreover, this is a very good option for people who know they are having trouble making their loan payments on time. Now they have a good stick to keep themselves from getting into debt. With a personal loan, however, it is important that you know in advance how much money you need.

A revolving credit gives much more flexibility. You determine the limit together with the lender. This depends on your income. You also discuss what monthly repayments and interest will be paid. Furthermore, you get to decide how much you withdraw. Even after repayment you can withdraw again. The interest rates for revolving loans are not fixed and are usually higher than for personal loans. 

Without a baby shower cake, the party is not complete. Often it is also used to reveal the sex of the new baby. But having a baby is also a party that needs to be celebrated. You can choose a normal whipped cream cake with a pink or blue filling. But it is also possible to compose a completely new cake on your wishes. Examples are a wedding cake with pink elements or shoes for a girl. And a blue almost bridal cake with blue elements or shoes. But everything is possible these are just some common examples. The first baby shower was held around the 18th century. This was mostly with silver plates, cutlery and cups. Nowadays everybody does it and there is no class attached to it.

Ideas for a baby shower cake

Depending on your wishes and the number of people coming, there are many ideas for making a baby shower cake on the internet. But of course you can also just make it yourself with your husband or other family members! One of the most common examples is the cake with a blue and a pink shoe on it. This is to keep it exciting whether it will be a boy or a girl. But among the younger mothers there is also a lot of choice for a kind of plaster cast of the body. Of course to scale, but then the belly with a nice dress and good breasts in the color that suits the gender. A classic is the cake with multiple layers when you have many people visiting. As long as you can all enjoy it.

Making a baby shower cake

You can also choose to make your own baby shower cake. A classic cake is the one with pink and/or blue mice as you see at a maternity party. This way you go a step further but keep the original of the classic mice cake. For the blue mouse cake you can choose to use blackberries and blueberries. These will enhance the blue color of the cake. For a girl's cake you go for raspberries and strawberries. They will give a spice to the pink mice on the cake.

The birth of the baby shower

The baby shower first appeared in North America around the age of 18.^e century. This was especially popular among wealthy Americans. Of course, organizing such a baby shower was a lot of work. Think of baby shower cups or cakes. But also drinks or goodie bags. Back then, silver plates and cups were mostly used. This was to show how rich you are. At this time the mothers-to-be also received gifts from the guests. In the Netherlands, too, it is a tradition we can no longer imagine doing without. So are you or do you know someone who is pregnant? Then organise a fun day to remember with a baby shower.

Why make a baby shower cake?

You do want to celebrate the arrival of a little one, don't you? The party is not complete without a beautiful babyshower cake. Even when you are just pregnant. You are not allowed to drink alcohol so every reason for a party is a nice bonus. It is important to be able to enjoy yourself during your pregnancy. Because towards the end the pains come back and then you have something positive to think about. And it is also important for your partners or family. They will have to help you with the last mile and can therefore also use a little time out.

Difference between baby shower cake and maternity cake

The difference between a baby shower cake and a maternity shower cake is mainly the moment it is given. A maternity cake is given when the baby is born. The baby shower cake on the other hand is given when you are pregnant. Consciously or unconsciously, you do not always know the gender when you are pregnant. Therefore, there are many variations available. But the most popular is the one of a gender reveal. This way not only you know what it will be but also all the guests.

A baby shower cake is indispensable during this unforgettable day

Yes it is time for the baby shower! You are going to celebrate your pregnancy with friends, family and acquaintances. But this may also be the moment to reveal the gender. A baby shower cake is indispensable. It can be filled with blue or pink filling, so you won't see it until you cut the cake. During this party people will bring you all kinds of nice gifts. Think about clothes for the baby or toys for example. It is your day and enjoy this unforgettable day throughout your pregnancy. Memories help you through the hardest period.

Time for a party, think about barbecue catering. Isn't it nice when you can really enjoy a party? The best option is to outsource as much as possible, so you can also think about the food. To start with there are some things you need to arrange, like when are you having the party, where, how many people are coming, do you have tents to keep everything out of the sun? Do you have enough chairs and tables? Maybe you want to rent bar stools and hanging tables? Nice music, lights for the late hours?

Everything can be arranged, but for that you need to know what your planning is. Then you can also arrange the barbecue catering and that is easier than you think. What they need to know is, how many people are coming, when the party is, how many pieces of meat you want per person for example, which salads you want for example, what needs to be taken into account, for example allergies? Everything can be given and then everything will be tailor-made. Often you can choose a standard package, but you can also compose it to your wishes and that is for many people a surplus value. 

Ordering a barbecue

Which barbecue to order for your party? You can choose this all by yourself. You can ask a catering company what the options are and then make a choice. You have many types of barbecues and the important thing is that you can rent one that is big enough so that you can prepare many foods at the same time. After all, it is nice if you can eat together and don't have to wait until something is ready. Fortunately you can order a barbecue that is big enough and if you are going to give a really big party then you can also rent several of them. This is also done sometimes and then everything is neatly delivered to your location and also picked up when you're done.

Sometimes you can rent plates and cutlery and that is great because then you have no dishes after your party. This way you can really enjoy all that good food and you will have time to party. Usually at a party you have to take care of everything and make sure there is enough. But this can also be done differently and you have now read about this option. 

Barbecue on location

More and more people want a barbecue on location. This is logical if you have experienced it yourself and you know the reason why. People can invite many others and then eat together, you do not have to provide, but everyone can prepare their own meat. Or you can sometimes hire someone to prepare everything for you and that is even easier. It just depends on what you like to do so make sure you have a barbecue on location if you have something to celebrate.

The barbecue catering is ready to take care of that for you and you can request a price in advance so you know where you stand. Sometimes you can agree on a fixed amount per person or choose a package. There are many ways to go, the question is what do you like and what are you looking for? Let the party be a great success and with nice weather, of course, the barbecue there. When the temperature is pleasant in the spring and summer that can be used a lot. Rent a couple of tents or if you have them yourself set them up immediately and then everything is dry and out of the sun. Do you already start with the necessary preparations?

• What are you going to celebrate and when?
• Who are you inviting and approach everyone in good time.
• Make sure you have enough plates, glasses and cutlery or rent that from a catering company as well.
• Order a barbecue and supplies on time.
• Calculate your budget per person or for the whole party and then the moment is right to party.
• Tent rental and placement.
• A nice little music to go with it.

This is going to be a great party and whether you really have something to celebrate or just want to have some fun with others, it's always nice to be able to eat something from the barbecue together.