Tag Archives: cash money

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

Going From Renter To Homeowner The Easy Way

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Going From Renter To Homeowner The Easy Way

If you are keen to put down roots but you are used to being a seasoned renter, you might not know where to begin when it comes to home ownership. The thought of buying a piece of real estate and taking out the largest loan of your life to afford it can be terrifying but it can also give you the chance to build up equity and have your own little patch of bricks and mortar. Home ownership is still a luxury for many. However, if you have the cash saved up, you no longer want to move from rental pad to rental pad, and you’d rather not throw money at a faceless landlord, you need to read this guide to help you go from renter to homeowner the easy way:

Finances:

The most important part of buying a house is making sure that you have your finances in order. It’s all too easy to go house hunting without sorting out your home loan and property lawyer first. To make life easy for yourself, begin saving your hard-earned cash as soon as you have an inkling that you want to buy. Don’t venture into your overdraft for at least three months prior to putting an offer in on a house and demonstrate to home loan lenders that you are a responsible borrower. This means paying off the full balance of your credit card each month and not being flash with the cash, paying out for big-ticket items like new cars or luxury holidays. Be frugal and you could find more favorable home loan interest rates available to you.

Moving:

When you are renting, it can be difficult to get your lease end date and your moving date into your new pad merging together perfectly. While the second-best option would be to collect the keys to your new dwelling prior to your lease ending so you can move your items from one place to another, it doesn’t always work out like that. If you need to move out of your rented home before completing your property purchase, you may need to look into storage units to house your furniture, heirlooms, and items for a short while before you can eventually start setting up house. While timelines can get a little muddled, don’t allow your logistics to get in the way of signing for your home.

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Image by cottonbro on Pexels!

Location:

If you know the area that you want to move to, it still always pays to do some research. If you’re looking to outperform the market and you don’t mind having a go at some home renovations, it can pay to buy the worst house on the best street. If you are wanting to buy in a well-established and highly desirable area but don’t have the budget, this can be the ideal way to get your foot on the property ladder. Hold some cash back from your deposit and change up the kitchen, put some more modern decor into your new living spaces, and give your garden an overhaul. Doing this will increase the value of your first home and leave you more equity in your bricks and mortar. This is key if you are looking to move again in the future.

You don’t have to rent forever. Take the plunge and you can evolve from seasoned renter to homeowner!

Featured Image By: Pexels

Why Debt To Success Could Aid You And Your Career

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Why Debt To Success Could Aid You And Your Career

When we have debt of any type, it can greatly impact our lives, from the way in which we handle our career choices to our personal lives. These issues offer further problems that allow us to be set up to fail. When trying to pay off debt, you may have found the repayments are too much or your debts are not minimizing as quickly as you would have liked. There are options, however.

Debt to success systems have been implemented for a while and provide assistance that could be hugely beneficial to you. They are both transparent and affordable and open to discuss the scheme as well as how it could work for you. If debts are left unpaid, then they can easily spiral and, with added interest and other hidden costs of debts, you can be left with hefty bills for years on end, which is completely stressful for you.

Releasing yourself from the grasps of government chains can be the best way to aid you in moving forward, but with a simple automated system, you can be sure that you can create a positive move. With Debt to Success System, you can learn about the ways that you can start to repay in a neat and secure monthly payment program, which allows you to remove yourself from the throws of debt and move away from the societal schemes that create bigger stresses in our lives.

Why is removing debt so important?

Even if you feel as if you are managing your debts well, you are still tied into a system that is constantly hanging over your head. If your income drops, you are still having to pay that hefty sum of money. Debts can affect all areas of your life, including mortgages and insurance. By paying off your debt in a secure and affordable way, you may find that you have less stress and more disposable income in your life. They say that the average person should be debt free by the age of 58, unless you choose to extend your payments. However, if you are in your early thirties, you may feel that this is a long way off and can really affect the way that you view money. For business, time may be more limited in order to sink finances back into it.

You should also consider using a disciplined budget, which will assist with repayments. If you are struggling with budgeting, then there are plenty of online assistance tools to ensure that you can meet these requirements. You must be sure that you are prepared to rid yourself of debt in order to move forward in business. During the Covid-19 crisis, the amount of debt in the average household has heightened. With job losses and money loss, it is easier to slip into debt. By looking at a system that works such as DTS, you can move towards the business goals that you have really wanted to focus on.

Use the tips above to get your money write and continue moving forward in your life!

Featured Image By: Unsplash

Invest In Your Home – It Will Pay You Back!

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Invest In Your Home – It Will Pay You Back!

Our homes are our sanctuary from the world, the place where we make happy memories with friends and family. But more than that, they are also the single biggest financial asset that you’re likely to own in your life. Most of us would like to own a home to pass on to our children as an inheritance or to provide a pension pot and some security in retirement, as well as having a nice place to live. And that means taking care of those four walls and everything in between. Not only for your own safety and enjoyment, but to protect your investment and hopefully allow it to mature, so that if you do come to sell your home, you make a good return. Read on to find out more:

Repair Damage Swiftly:

It should go without saying, but you’d be surprised how many people are either slow to repair damage to their homes or even just don’t see how run down their property gets over the years through general wear and tear. The trouble is that when we don’t attend to minor problems quickly, they often have the potential to develop into far more complex and costly to repair issues over time.

If your home suffers something like subsidence or storm damage, then make it a priority to contact a specialist company such as https://www.hlrestoration.com/storm-restoration/ to tackle the damage and prevent it from getting worse over time. Even simple things such as keeping on top of routine repainting, jet washing patios and decking, and making sure the gutters are cleared out and flowing properly can make a huge difference over time.

Add In Some Bathrooms:

In modern times, the perception of a luxury residence and the standards that people want from their accommodation have changed a lot. So modern houses are generally always built with a small ensuite bathroom to each bedroom. If you live in an older property, then this may not be the case – frequently there are less bathrooms and perhaps only one bedroom with an ensuite shower room.

One way to really boost value and the perception of your home, as well as making it more pleasant and functional to live in yourself, is to add a bathroom or two! If you have the space, then taking a little from a large bedroom or even converting a storage closet or finding a little extra space out of a hallway can give you enough room to include a shower, sink, and compact toilet. This is something buyers actively look for that really can improve the value of your property.

Reconfigure The Layout:

Sometimes a lot can be achieved simply by reconfiguring the existing layout of your home. Improve the flow and visualize how the space could work for you. Creating a large open plan kitchen and living space can completely change the way you live. Removing walls is not a complicated job if they are stud walls, but even if they are load-bearing, the right contractor can reinforce with steel beams and remove them. This will cost a little more, but it could well be worth it for the open plan layout of your dreams and modernizing your home for a future sale.

Use the tips above to give your home a huge boost in its value!

Featured Image By: Pexels