Tag Archives: cash money

Budget Friendly Shopping For Your Home

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Budget Friendly Shopping For Your Home

Shopping for furniture, accessories, and appliances for your home or apartment can be so costly that it almost seems easier to leave things as is rather than updating or upgrading. Believe you me, I get it! However, I also know how effective budget shopping can be because I furnished my entire apartment on secondhand items. Today, we are going to explore a few different budget friendly options for your next home makeover:

Secondhand Stores:

The most effective eco and budget friendly option for making upgrades in your home is, hands down, second hand shopping. Buying secondhand is amazing because you are repurposing old things and preventing them from being dumped into a landfill. Your local Goodwill could be a treasure trove of unique furniture and accessories that you didn’t know you needed. This is also an ideal option for people who don’t want their homes to look like everyone else’s because of all of the cool accessories and knick knacks you can find. My art wall in my apartment is completely made from old pieces of art that I bought at the Goodwill.

Facebook Marketplace:

Another great option, similar to secondhand stores, is the Buy, Sell, Trade marketplaces on Facebook. This could be perfect if you are looking for used appliances for sale, furniture, or other odds and ends. The beauty of the Facebook Marketplace is that once you find the replacement for something in your house, you can list the no longer needed item and make some extra cash too. 😀

Always remember if you are purchasing from someone selling on a marketplace type website that your safety is paramount. It is best practice to meet up in a public location like the parking lot of a busy grocery store or coffee shop. You can never be too careful.

Apps:

The OfferUp app is a virtual garage sale where you can both post items for sale and make purchases. I haven’t used this app in a while but I have had a lot of luck in the past selling things on it. I have seen everything on OfferUp from cars, appliances, outdoor equipment, and clothing. The nice part about this app is that it categorizes all of the items on there which will really help narrow down your searches for something specific. You definitely don’t get this luxury at a local thrift store.

Yard Sales:

Summer is the best season for people to host yard sales due to the promise of good weather so now is a great time to do some browsing in your local neighborhoods. It might be a mixed bag but it is another option to save some money while making purchases for your home. You all know the old saying of one man’s trash!

Making updates to your home doesn’t have to break your bank. Get started with the ideas above and see how much you can save today!

House Flipping: A Lucrative Opportunity For Creative People

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House Flipping: A Lucrative Opportunity For Creative People

House flipping is a term for house renovations and resale. House-flippers are house renovators who intend to sell a house after renovating it. The house flipping process can be lengthy, but it can also be lucrative if done correctly. These house flippers will do minor repairs like Drywall Repair, plumbing upgrade, cosmetic repairs, all the way to complete house renovations, including adding additional features or even building an entirely new house.

Flipping houses is not a new concept, it has been done since colonial times. It operates on the principle of house resale value > house renovation expenses. Many house flippers will buy distressed properties with the intent of quickly renovating and reselling them at a higher price. Some house flippers specialize in specific skills which can make house renovation more efficient, such as plumbing or electrical work.

Tax rules:

House flipping can be a great investment, but house-flippers need to be aware of the house flipping tax rules before they invest. House-flipping is not different from house investing in that house flippers must pay taxes on their income earned by flipping houses.

House flipping is generally viewed as an attractive investment, especially for those who know construction and renovation. It generally requires a house flipper to have these skills if they are planning on doing major renovations such as adding or removing features of the home.

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House flipping can be done by both individual investors and business entities, but it is generally more profitable for individuals due to the tax treatment of house flipping income. Individuals who earn house flipping income are taxed on the expenses which are used for improvements and renovations. A house flipper can increase their profit from house flipping by taking deductions for renovation expenses on the federal tax return. If a house flipper uses their residence as a rental property or second home, they may also be able to deduct house flipping expenses on their house income tax return.

Increase value:

House flippers are not the only investors who can benefit from flipping properties. Property managers and real estate agents can also gain a great deal by house flipping because it benefits property management. House renovations will often increase the value of houses, which increases property values for property managers, house flippers, and property owners.

House-flipping is not for house hackers who are looking to do renovations on the cheap. House hackers can house flip, but it may be more difficult for them because they do not have the skills or construction tools necessary to complete larger renovation projects. On the other hand, house hackers will have house hacking skills which can make the renovation cheaper and more efficient. House hackers may also use flip tax deductions for improvements done on the property they are flipping.

House flipping isn’t just for HGTV. If you have the knowledge and skills, this could be a new business opportunity for you!

Featured Image By: Unsplash

Top Tips For Choosing The Right Car For You

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Top Tips For Choosing The Right Car For You

After a house, a car is probably going to be the next biggest and most expensive purchase that you will make. With this in mind, you want to make sure that you do not waste your time and money by picking the wrong one. Here, we look at some of the most important things to think about as you begin car shopping:

What is your budget?

The first step is to determine your budget as your car options will be constrained to what you can afford. This also applies to your monthly outgoings – gasoline, tax, and insurance costs can all come as a surprise if you are not careful with your money.

What are you using your car for?

The next thing you will need to think about is what you are going to do with the car. If you live in a city center and only use your car for shopping and commuting, you should consider the amount of parking space you will have – you might want something small. Conversely, if you live in the country, you should consider how bad the weather gets in the winter and whether you will need a car that can withstand inclement weather – maybe a 4×4. Of course, you might just be after a standard family car or something to have fun in on the weekends, such as a convertible or even drift cars!

What style of car do you want?

You need to consider what you frequently carry and the types of vehicles you prefer. If you regularly do the school run, you will need to plan space for your children. However, if your children are particularly socially active, they may bring friends home, which means you should consider purchasing a car with extra space such as a seven seater.

If you have a dog, consider how much space your pet will require in the boot and whether they will be able to jump up into it. An SUV can also be useful if you have older family members or very young kids because the extra height makes getting into the car easier.

How fast do you want your car to go?

You should consider how fast you want your car to be. Generally speaking, the faster a vehicle is, the less cost-effective it is. If you are watching your monthly expenses, you might want to consider a slower, more fuel-efficient vehicle. If you enjoy the sensation of speed or acceleration, spend a lot of time on the highway or enjoy crowing to your pals about your car, you will want a faster one. More speed comes at a higher cost – at the gas pump, on your insurance, and in maintenance – but a fast car can make some buyers proud every time they get behind the wheel.

Choosing the right car for you and your family involves taking many factors into consideration. It is not a decision that you should rush into – take your time to find the right one for you!

Featured Image By: Unsplash

How To Spend Less On Your Family’s Essentials

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How To Spend Less On Your Family’s Essentials

There are some things that we all need to pay for and costs we need to cover. And, thankfully, there are lots of ways in which you can spend on these essentials and manage the costs associated with them. If you want to learn how to spend less and keep the costs low, read on now:

Raise Your Insurance Deductibles:

Insurance is one of the things that we all need to have in place. And for most of us, there are lots of different types of insurance that are needed. In order to keep yourself and your family safe going forward, you’ll need to find the right deals and put the right coverage in place. But you can, nonetheless, raise the deductibles in order to get a better monthly rate on those policies.

Cook Your Own Meals:

If you’re someone who eats out a lot or orders takeout food a little too often, you’ll know how costly that kind of stuff can be. Cooking your own meals can take a huge amount of that financial burden away. You can cook and prepare meals very cheaply when you buy fresh ingredients and put the effort into cooking. It’s not as hard or as daunting as you might think!

Create a Debt Repayment Strategy:

Lots of people struggle with debt and get dragged down each month by the repayments they need to make. You can create a good debt repayment strategy if you want to, and doing so is almost always advisable. When you have a strategy and plan in place to pay the debt off faster, you’ll start saving money because you won’t be getting constantly hit by the interest.

Start Using Coupons Routinely:

If you’re not doing so already, you should definitely think about how you can start using coupons and discounts to your advantage. If you’re a pet owner you can use a Canada Pet Care coupon code for your pet food needs. And there are plenty of discounts, offers, and coupon codes that will help you with your regular shopping, including grocery store purchases.

Cut Your Travel Expenses:

When you’re always traveling by car or public transport, it can get costly. There are many ways to cut your regular travel expenses, such as by doing more walking and cycling. Or you can try carpooling to work with colleagues so you can all spend less on gas. Traveling less and doing more activities closer to home might also be a good idea if you really want to cut those costs as well as be friendly to the environment.

Spending less on your family’s basics and essentials isn’t that difficult and it never needs to be. When you’re willing to put in the effort, you’ll be surprised by how much you can achieve and how far your money can stretch.

Featured Image By: Pixabay

InboxDollars Update

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InboxDollars Update

Hello! I have been visiting the website, InboxDollars, daily for years now and since posting about earning a thirty dollar Amazon gift card in mid January, I am already so close to receiving another ten dollar gift card. On InboxDollars, you can complete surveys, watch videos, play games, clip coupons, answer trivia questions, and more and it all earns you money. And who doesn’t like free money?

Although it can take a while to get started on the website, it is so easy once you get the hang of it and when you reach the ten dollar mark, you can select a gift card as your reward. The website also always seems to be updating to add new ways to earn some extra pocket cash through special offers and making searches online.

While survey websites are, usually, not a viable source of income, it sure is nice to be able to save some money with your gift card rewards! I spent my thirty dollar Amazon gift card when I buffed up my skin care hoard and got my moisturizer and eye cream FO FREE. And literally all I did to get my free product was open emails and answer trivia questions which takes about two minutes per day. Hey, I’ll take it!

Whether you are looking to kill time or make some extra spending money on Amazon, InboxDollars is a terrific little site to check in daily with. Just be sure to refer yours truly so we both get rewarded! 😀

What is your favorite survey website? How do you like to spend your free time online? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Hobbies That Can Be Turned Into Side Hustles

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Hobbies That Can Be Turned Into Side Hustles

If you have been working hard at new or old hobbies during the COVID-19 pandemic, then you might be interested in taking it to the next level by starting a side hustle. It’s always an amazing feeling to have your work verified by people willing to pay for it and who doesn’t want to make a bit of extra cash? If you are interested in starting a side hustle, the following hobbies can very easily be turned into one! Let’s get started:

Reupholstery/Refurbishing Furniture:

The change of seasons is an ideal time for furniture shopping as there tend to be a lot of good sales to help cut the cost. From living room furniture to new dining sets, many will surely want to give their home a bit of a makeover after being cooped up for so long. Reupholstering or refurbishing furniture is an amazing skill to have and it gives people the opportunity to purchase a one of a kind piece. The idea of no one else in the world having something is an appealing one that people would most definitely want to pay for.

Secondhand Shopping:

From selling used clothing on apps to making a pretty penny if you have an eye for vintage finds, selling secondhand is an incredibly popular side hustle. Next time you have a closet clean out, post your no longer wanted items in excellent condition on Poshmark and see how you fair. Educate yourself when it comes to brands, trends, and the best secondhand shops in your area and your trips to the thrift store could turn into an extra income.

Cake Decorating:

I have so many friends on social media who are skilled at baking and decorating sweet treats and have made successful side hustles out of their hobby. I am constantly seeing adorable cutout cookies for baby showers, cake pops, and themed birthday treats that I’m sure are as delicious as they look! If you can bake and decorate with the best of them, post your creations on social media and see if there would be an interest – it can’t hurt!

Cleaning/Organizing Services:

There are many out there who simply detest cleaning and are willing to pay for someone to do it for them. If you don’t mind getting your hands dirty and love the satisfaction of a sparkling countertop, then offering home cleaning services could be the way to go. You could even try your hand at home organization to get your client’s space running more efficiently.

While success for your side hustle often doesn’t come over night, it is a great thing to start working for. Consider your hobbies, skills, and interests to find the best side hustle for you!

Balancing Costs With Essentials As An Artist

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Balancing Costs With Essentials As An Artist

Creatives have it tougher than others. Unless they end up on magazine covers or are propped up by the industry as the Next Big Thing, it can feel difficult just to survive. And that’s even before the self-doubt kicks in over whether you chose the wrong company to work for. If art is your passion, it’s only understandable that you want to make a living with it. A lot of people will tell you that you won’t make money from a career as an artist, which is not the case at all. Try incorporating these tips to achieve your artist dreams without going broke in the process:

Consider the Right Investments:

One major issue with following your artistic dream is the costs, and anyone who has a creative bone in their body knows what these costs are. From acting lessons to high-quality paints and utensils, it can feel you’ve spent everything before you’ve earned a cent. This is why you need to choose the right investments for your craft. Look for high quality but affordable materials from The Sydney Canvas Company, and don’t forget to create a website to go alongside your social media profiles to boost awareness and look more professional.

Know Your Worth:

Many struggling artists desperate for work will have no choice but to accept being paid in exposure. This is a bit of a joke, though, and it’s something clients use to get people to work for free. If you know your worth, you’ll be able to avoid gigs that take advantage of you, which means you have more time to focus on improving yourself. While you might miss out on some jobs, you will be able to demand a price that you can live off of, because you can’t pay for groceries with likes or word-of-mouth.

Don’t Abandon Other Work Entirely (Yet):

Once you decide to pursue your passion, you may have plans to quit your current job and say goodbye to the nine to five lifestyle. However, as you are not stable yet, this is not a good idea. If you want to make sure that you can balance living costs with the essentials as an artist, you’ll need to persevere in your day job for now. As time goes on, you may be able to reduce your hours before giving it up entirely, but until then, stay patient.

Research the ‘Competition’:

It feels wrong to pit artists against one another when they all have the same goal in mind, and that’s why the word ‘competition’ feels off. Still, if you know what others in your industry are doing, you will be able to adapt to the times, especially when it comes to charging for work or considering how to improve in the future. Building a network of artists is free, and this can help you become better in every aspect of your work.

There will be many, many times where you feel like giving up your dream for something more stable. But, doing so would be a disservice to your talent and your passion. If you know how to balance the cost of being an artist with living a comfortable life, you’ll find that it is possible to make money from what you love to do.

Featured Image By: Unsplash

Three Steps To Add Value To Your Home

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Three Steps To Add Value To Your Home

If you might be moving in the future, try to think about some of the best ways of being able to improve the value of your home and add appeal to it. When you’re looking to sell for a high price, it is important to think about the changes you can make that will allow you to be successful with this. Make sure you do as much as possible to present and provide a home that will be appealing to owners and add value to any sales price.

Work out what you can do to take things to the next level in your home to blow potential buyers away. Here are some of the most essential things that play a part in this and there is no better time than the present to get started!

Extend:

Extending your home is one of the best ways to add value to the home. Whether this be a sun room in the back of your home, building a second or third floor, or simply adding some additional bathrooms, your property value is sure to go up with these fixes because you will have more home to sell!

Sort the Garden Out:

Improving on the landscaping in your back and front yard are also surefire ways to add more value to your home. You can do so much to sort the garden out and add value, like hiring a tree company to remove the trees with problematic branches in your back garden, installing a koi pond, or – if you really want to go wild: building a new green house or shed.

Get a New Boiler:

There are a lot of changes that will help you when it comes to improving your home’s value, and one of the key things you can do to achieve this is to install a new boiler. There are a lot of factors that you should think about here, and a new boiler can make all of the difference to helping you improve the functionality of the home, as well as being able to boost the value as well in the process. Don’t forget to get all of your appliances repaired before you put your house on the market, too.

From extending your home to tending to the landscaping, there are ample ways for you to add more value to your property. For an even bigger boost to your curb appeal, give your home a fresh coat of paint and use a statement color for your shutters or front door!

Featured Image By: Pixabay

Why You Should Plan For Retirement Early

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Why You Should Plan For Retirement Early

Despite how important retirement is, a lot of us leave planning to the last minute. You might plan to get around to it soon, but ‘soon’ can easily become ‘next year’, and then it’s too late. Most people don’t know how much cash they will need to retire securely, and many don’t have a pension at all. It’s never too early to plan for retirement so get started with the tips below:

When Do You Want To Retire? When Can You?

Think about your ideal retirement and look at your finances to start planning from tomorrow. This will help you to work out if there is a distance between when you want to retire and when you actually will be able to. Are you hoping for mortgage-free living in retirement or will you live in a retirement community? Do you want to enjoy your retirement with travel and restaurants? Try to work out how much you expect to spend each month.

By working out these things early, if you find you can’t reach your ideal retirement with your current finances and the rate you’re saving at, you can work out how much more you will need to set aside each month in order to actually reach your retirement goal. If you don’t get prepared, you could end up with a lot less saved up than you expected. Your goal of retiring at 60 could easily get pushed back to 65, and then 70.

Delaying Could Cost You Thousands:

If you start saving for your retirement at 30, you can save less money each year than if you start saving at 50, and still end up with the same amount in your retirement fund. Every year that you put off planning for your pension means that you will have more catching up to do later on, which is when you will likely have more outgoings, thanks to a growing family or a bigger mortgage. In the future, you won’t thank your present self for a lack of planning for your retirement.

Retiring Isn’t Always A Choice:

You might think of retirement as a milestone for later in life, but sometimes the choice of when you retire is not up to you. You might have to retire earlier than you wanted to due to poor health, a change in family circumstances, or a redundancy. There are lots of reasons that you might find yourself having to stop working earlier than you had planned to. If you don’t plan for changes of circumstances like this, there can be a lot of problems. Trying to support your family or pay your mortgage on a smaller pension than you had planned for would be a big issue.

Planning early is important when it comes to your retirement, so get started ASAP!

Featured Image By: Unsplash

Bored At Home? Try InboxDollars!

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Bored At Home? Try InboxDollars!

Hey! I don’t know about any of you, but there was a point in my life when I would do online surveys like it was my job. I tried a multitude of different websites but when I found InboxDollars, I stuck with it and have been using it for years. In fact, I just got myself a thirty dollar Amazon gift card from my earnings and was able to purchase all of my skin care for the next few months for a song.

If you are bored at home and looking to make an extra buck, then I can’t recommend InboxDollars enough. The best part about this website is that it isn’t just endless surveys. You can answer trivia questions, open paid emails, play games, clip coupons, online shop, and watch videos to get you closer to your ten dollar cash out goal. Once you have enough earnings, you can collect cash or gift cards to restaurants and online retailers.

InboxDollars is a great way to kill some time and I go on it once daily to at least open some paid emails and answer their daily trivia question. You can spend as little or as much time on it as you’d like and not only is it an easy site to maneuver but it’s fun, too! If you are interested in signing up for InboxDollars, please use my referral code and I can help show you the ropes. 🙂

https://www.inboxdollars.com?rb=78080190&ref_src=link

Which online survey sites do you use? What are your thoughts on InboxDollars if you have used it? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah