THIS POST IS SPONSORED BY QUADPAY BUT ALL THOUGHTS & OPINIONS ARE MY OWN.

The countdown to finishing up all your holiday shopping is on! Have you completed everyone’s wish lists yet? Perhaps, even one for yourself? But with all the retail purchases this month, I bet a lot are anxious about going broke! Especially when making those extra big, luxurious purchases. Well, what if I told you I found a way to budget - where you can buy what you love with zero interest?! You can split the purchase amount into 4 interest-free payments, spread over 6 weeks. There are no fees if you pay on time. So what is it? Continue reading to find out and also to learn more about my experience with the app along with what I purchased!

QuadPay empowers consumers with the option to pay for their purchases in four equal and interest-free installments over six weeks; the customer gets the product upfront while QuadPay’s brand partners are paid immediately. As the millennial population enters their prime spending years with less than 50% having access to credit, QuadPay is disrupting the field of payment solutions as the most innovative provider of affordable purchase in North America — buy now, pay later.

QuadPay is fully integrated with the store’s online checkout. All you need to do is choose QuadPay as your payment option when you’re ready to buy. If you are shopping with a participating store, Quadpay will be listed as a payment option during checkout. QuadPay splits your payments over four equal installments due every two weeks. Nominate the card you want to use and automatic payments are scheduled for you. It’s that easy!

There are several brands partnering with this app, such as Koio, Naadam, For Love & Lemons, UGG®, Staud, and more. I recently stopped by at the beautiful popup in SoHo, La Boutique, where one of my favorite Parisian labels, Offtrack, who makes the best luxurious lambskin leather leggings out in the market, is one of the curated women brands in the store. Extremely fitting and versatile, it’s the perfect staple piece to have in your closet for the fall/winter. Coming in two various lengths, butt boosting seamlines and hip framing sides, it was kind of hard to choose only one pair! I went with the caramel suede pair, but they have also have black and reds.

Instead of paying the full amount of $550, I am making 4 easy payments of$137.50. Definitely helpful in terms of budget and finance! That way I can balance and still have extra money that I would have spend if I hadn’t used QuadPay. How cool is this new featured app?! Once you're approved by QuadPay, you can begin shopping with their partners immediately. Approval is quick, easy and requires only a few personal details. Never pay interest again.

I’m telling you, this is going to be the difference between making or delaying a purchase. So if you have an extra pricey item you’re wanting to buy for your loved one/family, or yes… even for yourself, why not check out QuadPay the next time you’ll be making a bigger purchase? There’s zero-risk involved, and the easy-peasy process will have you grinning from ear to ear. That… and your brand new purchase :)

So tell me, what would you guys go shopping with using QuadPay? New pair of Nikes? Need that NorthFace winter coat to hit the slopes? Whatever your heart desires this season, rest assured that QuadPay has got your back and will make the holiday shopping extravaganza less stressful this year and every time you shop now! For more info go to www.quadpay.com and if you’d like to stop by the La Boutique popup, they are in SoHo at 250 Elizabeth Street until 12/23!

LOVE & XX’S,

SHOP THE LOOK

FOLLOW MAQ + SUZ

1. HAVE REALISTIC EXPECTATIONS

Your mistakes are part of your learning experience. It's okay to fail. We are only, human, after all. What's not okay is to give up. Learn to be resilient in the face of failure. And when presented with an opportunity: Run with it, don't have any kind of expectations! If you do, you're already setting yourself up for disappointment.

2. THE PAST IS NOT YOUR IDENTITY.

Yes, the past usually is filled with heartache and pain, and a plethora of mistakes. We have all gone through the good, bad and yes, the ugly. And though the past will shape you into what you will become, it doesn't dictate your entire YOU. It's not easy to put the past behind, but that's where it's meant to stay. Don't look back, learn from the lessons (they're in everything, just LOOK) and keep on keeping on, but moving forward.

3. LEARN FROM PEOPLE WHO CRITICIZE YOU.

Don't let their critics get you down. That's the easy way out! Let it inspire you to work your ass off. Now it should be constructive criticism and not a case of bashing/bullying/doesn't know what the hell they're talking about, and instead of shutting out any form of feedback, learn to take it with a grain of salt. Let that motivate you to learn and grow.

4. ACCEPT YOUR WEAKNESS AS YOUR FEATURES TOO.

We all embrace our strengths, but what about our flaws? You can't be good at everything you do (trust me I've tried), but nobody else is, either! Loving everything about yourself also means accepting the not so perfect parts. Change doesn't happen overnight, but if you're willing to work on yourself while being aware of what it is, that's pretty commendable. But don't fight it, be okay with everything you are.

5. WHAT MAKES YOUR PROBLEMS BIGGER THAN ANYONE ELSE'S?

Not going to lie, in the past my answer used to be, "They're MINE." But now that I'm older (and hopefully a little wiser) my answer is that every single problem you have is NOT unique. Put your problems in perspective, just turn on the TV and watch the news to get a glimpse of the bigger picture, and trust me, you will solve your problems faster.

6. DON'T GET MAD, GET EVEN.

We all go through feelings of anger, resentment and more. What you do with these emotions is completely on you! Feel your anger, express it (in a productive manner) and learn from it. It's like that saying, "take your broken heart and make it into art." Same ideology applies when it comes to being really pissed off. Make use of that negative energy and put it forth to something better.

7. AFFIRMATIONS ARE KIND OF GROOVY.

Are you able to look at yourself in the mirror every day and go, "Wow, despite my imperfections, I'm a pretty awesome human being! Go ME!", or something to that effect, then yeah, I'd say affirmations go a long way. Instead of pointing out what you don't like about yourself because let's face it, that's a little too easy to do... why not make note of the little things you actually do love about yourself? Face that mirror and give affirmations on what you love about yourself. That positive energy will translate in more than one way, I promise!

8. CHALLENGE YOUR NEGATIVE INNER CRITIC

Or as I call it, "The Bully Voice". Shut that bitch down. It's easier to let negativity win rather than the positive. When my mind starts to play tricks on me, saying "I'm not good enough" or, "This will never happen", etc; you have to smack that voice upside the head until its gone. How to do to that? Take your mind off of it, go for a run, go have a drink, talk to a friend, distract yourself with some spring cleaning. Positivity will always outweigh the negative.

What are some of your tips/suggestions on not being so hard on yourself? Would love to hear from you guys so leave a comment at the end of this post with your own advice! As always, you can shop the look at the beginning or end of each blog post. Who is feeling this fuschia men's jacket/blazer as much as me right now?! Doesn't it just scream spring? I'm ready, are you? :)