Tag Archives: cash money

Jun3

Summer Travels On A Budget

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Summer Travels On A Budget

Hello everyone and welcome to my darling friend, Amy’s, post for my Salute To Summer guest bloggers series. Amy is the author of the blog, An Ambivert Lifestyle, and it is AMAZING so definitely take a look and give it all the love. As you guys know, my life motto is “ballin on a budget” so, naturally, Amy’s post about embracing a travel lifestyle while being smart with your cash speaks to me on a spiritual level. Take a look at Amy’s how to guide on how to make the most of your moolah on your summer vaca:

Summer Travels On A Budget

Traveling isn’t an easy task. Planning and preparing for the trip is one of the most stressful things that you can do to yourself. From working more hours and skipping nights out to save up to unexpected costs before your trip also contributes to this stress. Personally, as a full-time student and a full-time employee, it is extremely hard, but I have a few tricks up my sleeve to traveling on a budget and finding great deals. Being a college student and a frugal spender, I like to explore deals on flights on the internet, books, personal experience, and word of mouth.

Finding Deals on Flights

  • Student Universe – This company provides less expensive flights for students. They work with 80+ airlines to get cheaper flights listed than anywhere else. This site is truly magical. Not only do they provide deals on flights, but they also offer deals on tours, hotels, and group travel. For members, they provide even more deals for special rates.
  • Private Browsing – This is super important! Whenever you are searching for flights, go on “Private Browsing” on whatever internet browser you use. Airline companies pay big money to know what consumers are searching, so if you visited a certain flight over and over again, they increase prices so you can buy faster.
  • Skyscanner – This helps you scan flights of your choosing through all the different airline companies. You can also see prices on different dates, as well, for convenience.
  • Booking flights on Wednesdays! – This is such an easy trick. Almost all of the time, flights will be consistently lower than the rest of the weekdays since they consider this day to have the most amount of seats available, so prices are lowered to fill the planes.
  • Check social medias and your email! – Usually, airline companies will email deals and promo codes for flights for a period of time. These have saved my bacon many times.
  • Get a refund! – No, really! If you purchased a ticket and the fare has dropped since you bought it, call/email them to ask for a refund for the difference. It may not always work, but the fact that it has worked with certain airline companies is amazing! Websites such as Yapta and Orbitz track your purchased flights and let you know. Easy.
  • Champ through several stop flights – It isn’t easy and most of the time it isn’t fun. The majority of the time these stops are red eyes. It sucks, but being able to spend a couple hundred dollars to be able to buy that souvenir for you girlfriend’s cousin’s mom is worth it. Just make sure you pack a couple of books to beat boredom or play online games while you wait. If you are a fan of casino style games, look into some blackout bingo reviews because it’s a fun game to pass the time with.
  • Airfare Errors – This is your best friend. Websites such as AirFare Watchdog and Secret Flying can be used to allow you to beat the system and stalk for mistake fares.

While Traveling Do’s

  • Research ahead of time – If you travel to a foreign land, it’s best that you research where you want to go first instead of winging it. I have spent so much more money than expected when I have winged it.
  • Look up places that do not charge admission – You’d be surprised at how many museums do not charge admission fees throughout the world. I always do this when I go on vacations because it gives you something to do that’s fun, while keeping money in your pocket.
  • Foreign Exchange at your bank – Some people don’t know this but some banks will actually let you exchange currencies right there. Sometimes the rates are cheaper than when you’re traveling and it’s convenient to have the currency of the destination before you even get off of the plane.
  • Carry cash & don’t use your card – Having a fixed amount of cash on you helps BIG time with budgeting on a day-by-day vacation. It helps you not over spend and prevents binging on those miniature Eiffel Towers or flower shaped gelato. Plus, if you use your card, chances are that your bank will charge you an international fee.

Places to Stay Without Breaking the Bank

  • Air BnB – This is already a given, but I love them so much that I had to put them on this list.
  • Hostel World – Hostels are the cheapest way to travel. You get to meet different people traveling that will probably become your international long term friend. Hostel World allows you to look up every single hostel in the area that you’re traveling to. You get to compare between different hostels, prices for a private room and dorms, and amenities. They have a Best Price Guarantee as well, so they will provide the cheapest rates for every hostel.
  • Home To Go – Not too many people know about this page. It’s a very user friendly site where you get to look up Bed and Breakfast type places. They provide last minute deals and discounts up to 75% off for their members for certain places.
  • Tripping – This is a sight that lets you look up vacation rentals, hostels, rooms for rent per night, hotels, etc. Similar to Air Bnb.

Extras

  • Lonely Planet – Unique site that provides travel books and videos about different countries and their activities such as beaches, food and drink, art and culture, and adventure travel. They also provide services such as travel insurance, adventure tours, car rentals, flights, hotels, sightseeing tours, and airport transfers and shuttles. Another perk of this website is that they provide tips, as well.
  • Like A Local – This company is so great! This site allows you to be able to contact locals in the area that you’re traveling to be able to get suggestions, tips, and even ask to meet up. They provide suggestions for tours, food, nightlife, shopping, and sightseeing all at your fingertips. On top of that, you can also pay a local to be your tour guide for CHEAP. I’m going to be traveling to Munich at the end of May and a local posted that they charge 2 euros an hour to be your guide. I’m SHOOK. But it gets better, you are also able to download their phone app and purchase an offline, no internet, and no roaming charges map for $1.99 per city that can also use your GPS to locate where you are. If you’d like to be a guide as well in your home town, you can also sign up with them and be paid!

The most important part of traveling, of course, is that you have fun and enjoy! Only be on your phone to take pictures and make a new friend and take in every opportunity that you can to soak in and appreciate your new surroundings.

Wow! Thank you so much to Amy for such fantastic, invaluable tools to use while traveling on a budget. For more on Amy’s upcoming travels, be sure to check out her blog! How do you ball on a budget? Where are you traveling to this summer? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Jun1

3 Ways Your Home Can Earn You Money (For Once!)

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3 Ways Your Home Can Earn You Money (For Once!)

Homes have always been a cost-center. Sure, there is light at the end of the tunnel, but your home will always cost you money. Mortgage payments, property taxes, utility bills, and all that end of the month stuff that makes us realize how small our pay check really is in today’s world. But what if we told you that you could turn your home from a cash-leaker to a money-maker and that you could do it right now? Oh, yeah, we’re totally serious.

The Extra Apartment: As with anything that involves your house, always check the legalities of a renovation. But, in most cases, there is nothing illegal about adding a self-contained property to your estate. It could be that you have a basement that is doing nothing but letting the heat escape from your home in the winter, in which case you should definitely look into renovating it into an apartment to rent out. If you haven’t got this option, then why not have the team from The Renovation Company take a look at your garage and see what they can do with your space. As a little bit of advice, we do recommend that you work out how much this extra self-contained property will make in rent and how much value it will add to your home, and then calculate whether the cost of renovation is worth it. However, the scales usually tip in your favor, especially if you’re clever (which you are!).

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Chez YOU!

The Rental Route: The undisputed king of disrupted technologies is Airbnb and for good reason, too. If you live in an area that is desirable or even within a short distance of some attractive spot, then you could see your home turn into a cash-catching side-earner. What do we mean by desirable? Well, being in a holiday hot spot has its benefits, but so does living close to a hospital, airport, university, popular wedding venue, or a big employer. The other great thing about going down this route is the choice. You could rent out your spare room, both of your spare rooms, or your entire house (and just go and stay with your friends for a few days). You can set the price, boundaries, rules, and the little extras you are willing to offer (yup, we mean breakfast). You could even up your fee by making a few simple home improvements. Trust us, a lot of people are making a lot of money from going down this easy-peasy route.

If you are someone who is considering renting a home or an apartment addition in a home, it is important to know your rights as a renter. Wrongful evictions can leave you in a dire situation instantly so keep up to date on the standards that are required from your landlord to follow. Should you have been wrongfully evicted, contact a Tucson eviction lawyer (or your local area) as soon as possible to help.

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I’d pay extra for that!!

The Storage Space: Not everyone is cool with the idea of sharing their home with total strangers, whether short-term or long. That’s kind of understandable. However, renting your space out for money doesn’t have to mean inviting people into your castle. You can make a steady income by renting it out as a storage space. The fact that there are now companies like Store Mates proves that there is an ever-growing demand for storage units, and that is what you could offer. It could be people wanting to store their boats or RVs over the winter, in which case your heated garage would be ideal. It could be that someone is moving house and needs to store a load of boxes, which is where your unused attic becomes a money maker. Just remember to treat your listings like any other listing. Good photos and a detailed note of any additional features will go a long way in cranking up your fee.

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Just don’t take the boat out for a test spin!

With a bit of creativity and possible renovations, your home could become your newest money maker in no time!

Featured Image By: Pexels

May22

How To Stay In Control Of Your Cash

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How To Stay In Control Of Your Cash

When you’re just starting out in the world of work and education, you’ve got a big shot at life. No matter your circumstances, your relationship with money will define your future, your level of stability and security, and, of course – the rest of your life. We’re sorry to say, but money really does make the world go round, and you could lock yourself out of a future and enter a world of financial insecurity if you are not careful with your cash. If money makes the world go round, you can easily find yourself lost in that same cycle.

cash

Say “money”!

The good news, though? You’re young, you’re just starting out, and you have the internet. This means that you’ve got time, opportunities, and knowledge on your side (if you choose to read up and learn, that is!). With some valuable tools, you can avoid making financial mistakes and you can – for the most part – develop a healthy relationship with money quite easily. The key? It’s to never let your spending outweigh your earnings. Major shopping sprees, vacations, and spending with reckless abandon? It’s an easy path into pointless debt. It’s an easy path to financial misery.

People will get into debt. When you take out a loan to fund a car purchase after passing your test, you’ll be in debt to the provider of the finance. When you get your mortgage, you’re in debt with the lender. When you take out a loan to fund a business venture, you’ll be in debt. This, for the most part, can be seen as “good debt”. It’s debt that is acquired for a purpose. What’s bad debt? Well it has a different definition in business, but to us, it’s the debt that you acquire with high-interest values because you can’t hold yourself back from spending. It’s payday loans; it is credit cards.

Debt is a real danger and for a number of reasons. Debt, of any size, will affect our credit rating. This can affect the future of a young person quite drastically. It can mean that you are rejected from having a mobile phone contract. It can mean that your mortgage is turned down. It can seriously affect any future decisions that you choose to make.

Debt also creates emotional stress and worry. Debt isn’t the end of the world, we all get into debt – it’s how we pay it off that matters. Getting out of debt might include asking for a few extra hours a week at work or asking family or friends for some help. It may be awkward – a lot of us don’t know how to ask a friend for money but it will definitely help give you some peace of mind about your overdue payments.

Being in debt isn’t a bad thing – it is when we choose to live in debt that things turn nasty. There are always methods to paying off debt and anyone that you owe will prefer that some attempt at paying can be made. When you are in debt, you will always have options like student loan forgiveness. Getting stressed about being in debt can quickly lead to one avoiding paying for their way out of it.

To stay in control of your cash, you need to manage debt and your spending. This can be hard for youngsters – because they are explicitly targeted by those who seek to profit from debt. However, control of cash is an invaluable skill for anyone and your bank account will be thanking you! Not today, debt. Not today.

Featured Image By: Wikimedia

May7

When Bargain Hunting Gets Serious

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When Bargain Hunting Gets Serious

We all love a bargain and nothing beats finding the perfect thing on sale. It gets your heart pumping and makes you feel GOOD! And, the invention of online discount code sites has changed the way many of us shop, too. Shopping also releases endorphins. It may not be scientifically proven yet, but most of us would agree that finding a bargain releases even more. But sometimes, there’s more to getting a deal than that feel good buzz. We’re stepping away from finding the dress that you were looking for at half price. Instead, we’re going to look at when finding a deal can make a difference to your life. Believe it or not, some things are more important than clothes (though it may be a small, select few!):

Food: We can all agree that food is an essential. But, finding food when you’re working on a tight budget is far from easy. For some of us, clothes shopping is far from our minds. When we can’t afford to feed our families, life can get on top of us. So, how can you ensure that you can always buy food? The first thing and a point we’re going to return to again and again is the importance of shopping around. Knowing where you can get the best deals is important.

Despite what you might believe, prices on the same products vary a huge deal from store to store. When money is stretched, you can’t afford to buy at the shop closest to you. Instead, look around. Go to a few different stores to see which one has bargains on certain things. It’s also important to have a set meal plan for the week and only buy the ingredients that you need. People who shop per meal are sure to spend more than those who plan ahead and shop once a week or so.

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The chip aisle is SO beautiful.

Health: Healthcare isn’t cheap. Those with enough money can afford to pay for health care to cover costs. But, people on a tight budget don’t have that luxury. Instead, they have to cross their fingers and hope nothing happens. Frankly, a big health bill would be enough to cripple the best of us. It may seem strange to consider bargain hunting where health is concerned, but it’s important. Few people realize that you can get discounts on prescriptions if you need them. It’s even possible to find deals on health insurance if you know where to look. Again, shopping around is key.

sale3Wikimedia Image

Bills: Most of us would agree that our bills are the largest monthly expense that we have. So, it makes sense that we would want to find deals where we can. Sorry to sound like a broken record, but again, shopping around is your best bet. If you don’t look at each company’s prices, you could be paying well over the odds. Once you’ve done your research, you also have the opportunity to return to your current company and see if they can offer a competitive price. Playing companies off against each other is sure to knock costs down.

As you can see, the secret to saving money on important costs all comes with doing your research. Check the ads, apps, and websites for the best deals as well as keeping up with the promotions certain companies may be offering for new customers, etc. and you are sure to see savings!

Featured Image By: Public Domain Pictures

Apr28

How Much Money Can You Really Make In Your Spare Time?

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How Much Money Can You Really Make In Your Spare Time?

It is only the very privileged few among us who are able to say that they are happy with their income. For most of us, we can be happy enough – but that doesn’t mean that we wouldn’t accept an additional boost or two if it were to come along. As a result, the industry for providing people with a means of making money “in their spare time” is a booming one. It always has been, to an extent, with catalog sales and the ability to sell products to friends and family. However, there is no doubt that this is an industry that has found its home amidst the wild west of the internet.

Have a quick browse for money making ideas online and your first impression will probably be sheer horror. How can you possibly figure out which one of these is going to work for you? If you’re a keen gamer, you may be interested in sites and apps that allow you to play games for real money so that you will know you will be having fun with your time, as well as boosting your finances. However, while there are plenty of sites offering various methods to make money online, many of the options are versions of the same thing. Sites offer points for simple tasks such as completing surveys or watching videos. When these points (different sites may call their ‘points’ different names) accrue to a certain level, then you can redeem them for either gift card vouchers or money.

Upon viewing the sums available, a lot of people will wonder if it’s worth it. So maybe it’s time to examine this closer and see if it’s a viable way of bringing in extra cash for you – by examining the pros and cons. Because who doesn’t love a good pros and cons list?!

PRO: You Can Do It When You Want, For As Long As You Want

There’s no boss, there’s no management, there’s no scheduled hours that you have to be present for. You have got complete control of what you do and when you do it. If you don’t need as much extra cash one month, you can give yourself the month off. If you need more, then you can knuckle down that little bit harder. The flexibility makes these sites incredibly attractive.

CON: You Have To Control Your Expectations

The key to making money from these sites is, according to this review, managing your expectations. Don’t think that you’re going to be able to quit your job and work from home in your pajamas all day – it’s not going to happen. You have to have a robust grip on what’s happening and how much money you’re going to earn, or you could find yourself bitterly disappointed. Super bitterly disappointed. Ugh, I love that word.

PRO: You Don’t Have To Qualify

If you wanted to, you could head on over to your computer and start working right now. There’s no interview, no qualification process, nothing of that nature at all. In fact, just being you is all that’s required, especially when it comes to filling out surveys about your opinions.

Taking a survey, perhaps?

CON: The Returns May Not Be Worth It

If you calculate the amount of time you spend on these sites and then factor in your hourly rate, it might not be pleasant reading…Seriously, I have spent a half hour doing a survey that claims to take ten minutes and received a meager fifty cents from it. It was a BITTER disappointment!!

PRO: It’s (Almost) Passive Income

However, you can keep in mind that these tasks can be done while you’re occupied with something else. For sites that allow you to earn points from watching videos, you can just play the videos in the background while you are making your evening meal. The surveys may take more attention, but you can do them from your phone while you’re waiting for the bus. Being able to pick and choose when you participate can be really helpful.

CON: Sites Can Shut Down Unexpectedly

Let’s say you join a site and accrue a huge amount of points. You’re waiting to reach a certain cash out threshold, which will allow you to obtain a voucher to a certain financial value. This is a dangerous way of doing it. These sites don’t owe you anything; if they suddenly fold or go offline, then all of your hard-earned points are going to vanish with them. There’s not a chance that you’ll get them back.

So, be safe and smart with how you use your points. Cash out as soon as you meet the minimum payment threshold, even if you’d get more for your points by hanging on to reach a higher voucher target. It’s better to actually have the money in your hand than relying on the site to keep it safe for you!

PRO: The “Big” Sites Are Well Established, With Users You Can Talk To

If you’re confused about anything that you find regarding the website, you can talk to other users. Most sites will have some kind of forum system or their social media pages will allow users to connect with one another. And, more often than not, there will be someone to explain things further on any questions that you might have.

So online money making websites might not be the best way to earn some extra cash BUT if you control your expectations and manage your time wisely, you could end up with some gift cards and money for the movies in your pocket!

Featured Image By: Pexels

Apr26

Add Some Luxury to Your Life Without Breaking The Bank

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Add Some Luxury to Your Life Without Breaking The Bank

Everyone, myself included, wants a little luxury in their lives. And most of us feel like we deserve it. Actually making it happen in a way that’s affordable is not so easy, though. If you want the best, you usually have to pay the price for it. That’s hardly ideal, but that’s the way it is. Or is it? These are some tricks and tips that you can make use of if you want to add some luxury to your life without going broke in the process:

Try Being a Secret Shopper: The great thing about being a secret shopper is that you get to get your hands on luxury goods and do interesting and luxurious things without paying for them. Secret shoppers work for brands that want to get better and find out how their customers experience things. They go into shops or use services to see how real customers are treated, and whether or not the service that they get is good enough. They can buy luxury clothes, take flights to great destinations, and stay in top hotels. If you can get work as a secret shopper, you will definitely be adding some luxury to your life!

Learn New Cooking Skills & Create Your Own Gourmet Meals: Many people think that a luxury lifestyle has to include going out and eating at the very best restaurants. But that doesn’t actually have to be the case. You can just as easily eat at home and make food fit for kings with your own two hands. You can then invite friends and family members around and show everyone what you’re capable of. There are plenty of cooking tutorials and books out there that will help you to improve your cooking skills. Before long, you’ll be preparing gourmet meals without the restaurant premium prices and the stuffy suit and tie.

Fancy stuff!

Only Buy Luxury Items When You Can Get a Deal: If you really want to buy luxury items but can’t afford to, you will just have to be patient and a bit more clever. That’s how you can get discounts and better prices for the things that you want. Waiting for these deals and discounts to emerge can be frustrating, but your patience will be rewarded eventually. But, as you can see, things like this lord and taylor coupon can be found online easily enough. Keep looking out for the luxury brand coupons that are relevant to you, and make use of them when you find them.

Rent Luxury Fashion Items for Special Occasions: This is an option that many people don’t even think to consider. Renting luxury clothing items for special occasions is perfect because it means that you can wear the things you want without spending large sums of money. Let’s face it; many of the things that you buy for special occasions only get worn once or twice so renting definitely makes sense, anyways, and it cuts the costs dramatically. Some people only ever rent clothes when it comes to finding an outfit for a big event or family get-together.

Store bought or rented dress?!

Apr21

Sick Of High Medical Bills?

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Sick Of High Medical Bills?

If medical bills are starting to drive you into an unhealthy debt, don’t despair. You shouldn’t have to financially ruin yourself in order to care for your health. There are many sly ways of cutting expenses on your medical bills that could be worth taking advantage of. Here are just a few to take a look at:

If your boss offers an FSA – use it! More and more companies are supplying Flexible Savings Accounts as an option to their staff. Every contribution you make to these accounts is tax free and can be used to cover all manner of out-of-pocket medical costs including prescriptions, medicines, and dental care. You’re allowed to save up and spend a certain allowance each year – which should be fully taken advantage of. Even if you don’t have a medical problem throughout the year, FSA spendings can be used to buy over-the-counter drugs, baby products, bandages, crutches and in some cases eye wear such as glasses or contact lenses.

Ditch big brand medicine: Only buying medicine from big brands is a rip off. These brands may have enough popularity and money to advertise on TV, but they’ll have had to pass exactly the same quality tests as lesser known drugs from small brands. These small brands are likely to be much cheaper. If you’re on a prescription, shop around for other similar medicines that you could be saving money on. Ask your doctor and switch to generic brands to save a very pretty penny.

Tailor your insurance plan to you: Taking the time to really shop around for health insurance plans can save you a lot of money. Use comparison sites and check companies that are off of these comparison sites, too. Companies such as Health Insurance Innovations are known for being able to offer customized plans to suit your needs. You may also find a good family bundle somewhere that could also save costs. And remember that you can lower your premiums by raising your deductible.

Join a farm bureau: Every state has its own farm bureau – an organization primarily set up for farmers, although practically anyone can join (farmer or not!). Joining will cost a small monthly or annual fee, however, you usually will get all kinds of perks, a common one being huge medical discounts. Always check the incentives offered by your local bureau first before signing up, as perks do vary from state to state.

Get help from an advocate: Advocacy programs are largely in place to help those in need who may not be able to make a medical decision for themselves. However, advocates can also help out those that are financially struggling with healthcare. An advocate may be able to shop around for you, come up with alternative treatment plans, and negotiate better rates from hospitals and insurers. This isn’t a service that everyone can take advantage of – your financial situation may have to be assessed first to determine whether you really cannot pay off these medical bills.

Featured Image By: Torange

Apr13

4 Products That Are All You Need To Clean Your Home

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4 Products That Are All You Need To Clean Your Home

Walk down any grocery store aisle designated for cleaning products and you will see an array so vast it’s impossible to know where to begin as try to tackle your spring cleaning. Do you want to degrease? Descale? De…whatevertheotheroneis? It just goes on and on; every single product promising to make your home better. Shinier. Sparklier.

The idea that you can skip this entire aisle and reduce your cleaning products and tools into four items might sound outlandish. How can it be possible to clean an entire house with just four products? If that’s the case, then why do all the other ones exist? The main reason is because the four you need can’t be trademarked. They can’t be profited from. So there’s pretty much no reason for companies to produce them and market them as aggressively as they do their own concoctions; not when you could buy generic versions of the big four for a fraction of the price.

Oh – did that not get mentioned? Yes, these products are nice and cheap – so it’s probably time to tell you what they are:

Star of Every Show: Bicarbonate of Soda (AKA Baking Powder)

Bicarb is the Holy Grail of cleaning products. It can be used for so many purposes that you’ll find yourself panicking when you don’t have a scoop of it on hand and are faced with a room that needs cleaning.

Its uses include (but are definitely not limited to):

  • Removing grease and food stains from pans, ovens, whatever – it’s incredibly abrasive, though, so use with caution.
  • Surface cleaning, when dissolved in water and used as a solution.
  • Deodorizing. Sprinkle some bicarb onto fabric, carpet, or upholstery, leave it for a few hours and then vacuum away – the bicarb will take the bad smell with it.

Acid Speaking: White Vinegar

White vinegar doesn’t taste great so it’s unlikely that you’ll find it in your cupboard, but it’s worth investing in as a cleaning product alone. Check out its uses:

  • White vinegar cleans glass and mirrors better than any other product known to man. Ever.
  • It’s also antibacterial in nature, so use it in the kitchen for both shine and efficacy.

Clothed Wonder: Microfiber Cloths

If the pros at Saltaire House Cleaning and even Martha Stewart speak well of microfiber, you know that you’re onto a winner. Microfiber is a revolutionary cloth fiber structure that traps and whisks away dirt in a way conventional cloths just can’t. The best thing about it is that you don’t need to use a product with it – plain old water will produce the same effects.

Bleach Bliss: Hydrogen Peroxide

While hydrogen peroxide is best known for hair bleaching, it has many uses around the home. The one that it’s best at is bleaching all of those white items in your home that have a tendency to turn gray, such as:

  • Bathroom and kitchen tile grout
  • Tiles
  • Shower curtains covered in soap scum

Use it heavily diluted and always build up the strength as you go, rather than going full throttle out of the gate. You’ll be amazed at how a little of this product goes a long way.

Ready, get set, save money, and spring clean!

Featured Image By: Congerdesign

Feb24

Make Immediate Savings On Those Home Bills

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Make Immediate Savings On Those Home Bills

For a lot of us, we only truly see how much we’re spending when we decide to put together a budget. We might think that we’re doing well and then suddenly realize just how much we’re spending on standard household bills. If you want to free up a little cash, there’s a good chance that those bills are the place where you could do just that. Spending less per month isn’t too difficult, either. A few changes and an investment or two could result in you keeping more money per month:

Things Are Heating Up: It should be no surprise that among the biggest bills for most people are those pesky heating bills. Especially in the winter, they can be gigantic. The same goes for keeping the home cool in the summer. But while you do need to control those temperatures, you don’t necessarily need to spend quite as much on it. For one, you should look at how well airflow travels through the home. Air vents in the home clogged by dust can stop the heat from traveling through the home, just as it can stop the cool from dispersing when you’ve got the AC on. Thoroughly insulating the home is important, too. Make sure that you caulk any sources of drafts in the home and pay particular attention to the roof. A missing tile or two won’t only get in the way of your attempts to control your environment but are a major risk of damp and mold, too.

Get Appliance Savvy: Heating and cooling aren’t all that can impact the energy bill. All the different appliances and electronics have a big effect, as well. If you need any new appliances or fixtures, then you should do your research. Things that you can look into include spotting a more efficient fridge thanks to Energywise rating labels to giving traditional bulbs the boot for LED lighting, instead. You also need to know when it’s a good idea to replace an old appliance. Things begin to work less than their best over time and that goes for their ability to stay energy efficient, too. It’s an investment, but one that will save you more money in the long-term.

Give Your Service Providers A Call: Besides the resources that you use to keep the home livable, you have to think about all of those other little services and subscriptions that you have, too. Take a look over your bank statements for the past month. It’s easy to forget that you might have subscribed to that video service or this audio book library. If you’re not using them, it might be time to call up and cut them off. Then, there are those deals like your TV packages and internet providers. With a bit of research, you should figure out if there are any better deals on the market. If there are, you don’t necessarily have to make the switch. You can use that as your bargaining chip to call up and negotiate yourself a better deal (it works like a charm!).

A closer look at just where you’re spending your household money can show you the upgrades, purchases, and even phone calls that can result in you keeping a lot more cash. Let those expenses go unchecked, and you could find them swallowing up most of your budget and spending money.

Featured Image By: Pixabay

Jan24

Slash The Cost Of Your Heating Bill This Winter

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Slash The Cost Of Your Heating Bill This Winter

Winter definitely has it’s plus points. Cozy evenings in, beautiful snow, and delicious hot drinks. But once Christmas is over, the novelty of winter begins to wear off, and by this point, most of us are getting fed up with it! One of the worst parts is the cost of heating our homes, and over the winter months fuel bills can really mount up. Thankfully there are ways to make it a little less expensive. Here’s how:

Switch to a Tankless Water Heater: We all love a long soak in a hot bath over the winter months. But the cost of heating that water can cost a bundle. One way that you can slash costs is by switching to a tankless water heater. This is a system that uses no pilot light, and in many cases can cut bills by half. If your property still uses an old tank heater, you’ll know the frustration of running out of hot water and having to wait around for it to re-heat. With this, water is heated on demand giving you an unlimited supply so there’s no running out, or wasting money by heating water unnecessarily.

Invest in Smart Home Heating: Smart home heating gives you total control over your heating. With this, your thermostat is controlled through your smartphone making it easy to turn on and off at the touch of a button. No going out and worrying you’ve left the heating on. No having to get out of bed in the freezing cold, just use your smartphone in the morning and give the home a few minutes to heat up. There are add-ons which allow you to control the heat in different rooms, too, which can also save on money as you do not have to heat the whole house to feel the warmth in one room.

Buy a Log Burner: Wood burning stoves have a wonderful rustic charm. And while you will have to pay for the installation, the running costs afterward are very low. Firewood is less expensive than traditional central heating, and if you’re able to cut your own wood then you get heat essentially for free! Warming your toes in front of a gorgeous crackling fire truly gives the perfect ski lodge atmosphere. It almost makes the bitter winter weather seem worth it.

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Warm and toasty!

Wrap Up Warm: Rather than having your heating set to maximum, you could set it lower which will cost less money. And to keep warm, wrap up in cozy pajamas and throws. You can buy huge soft throws from places like eBay for around twenty-five dollars which are perfect for snuggling up with on the sofa. After the upfront cost, keeping warm this way will cost significantly less than putting the heating up full blast every night. Fleece pajamas and thick terry toweling dressing gowns will also keep you snug and warm. Although it’s not the most ideal way to save some cash, it is one that I am familiar with considering that’s how my dad manages the heating bills! Lol.-___-

Featured Image By: Pexels