Tag Archives: moolah

Dec2

How To Better Protect Your Money

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How To Better Protect Your Money

If you want a secure life, then you need to look after your money. Money buys security and can prevent you from a lot of stress and worry. It is not a good feeling wondering if you can pay the heating bill this winter. As we get older, this security is ever more needed. We are going to have to retire with no real set income coming in and making do with the money we protected in our youth. So, let’s discover a few ways we can protect our money better:

Get Out of Debt:

If you have debts, then you must get out of debt and stay out of it too. There is nothing worse for your finances than paying interest rates. This is a great way to have nothing. If you can, contact your creditors and increase your payments to get rid of the debt as fast as possible. For some of you, it may be wise to enlist the help of a financial planner. You may be able to consolidate all your debts to make them far easier to understand and more manageable. 

Learn to Live Within your Means:

A lot of people spend more than their wages every month, which means they dip into their overdraft. If this is a continual thing, you will end up further and further into your overdraft and this leads to debt. It is not like a mortgage where you will have something at the end of it, it is simply wasted money. So, you need to start living within your means. There are many methods to do this. First, you need to become more financially aware so you need to track your spending better. You can download a banking app if you have not done this already and keep an eye on your balance. You can even set alerts to message you when your account is running low. Other methods include disabling the contactless feature on your bank card, trying to save your income that is not used for essentials, and only using a set amount for spending cash. You also need to learn how to practice delayed gratification. Instead of caving into your urges to buy something, you need to wait and see if you still want it in thirty days or once you have saved the cash for it.

Invest:

Investing wisely is one of the best ways to protect your money. Unlike savings, you can actually invest and keep up with inflation. One of the best ways to do this is invest in property. Buying your own home is wise. It can actuary end up being a lot cheaper than renting. A dual occupancy home from Meadan Homes, for example, allows you to rent out part of your home and make money on it too. Other ways to invest are with bonds, either corporate or government, the stock market, and collectibles. Investing in yourself is another great one, meaning paying for a higher education. You can do things like side hustles too, which is essentially running your own business and giving you valuable experience.

Spending money is an obvious part of life but you need to be smart about it to keep increasing your savings. Get started with the tips above today!

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Sep20

How Do Social Media Influencers Make Money?

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How Do Social Media Influencers Make Money?

As we look at the current and future job market, we can identify a few career paths that will seemingly become more and more popular. Certainly, the rise of social media influencers has carved out a brand new path that didn’t exist before. These days, thousands of young kids and teenagers are desperate to have a job as full-time influencers. While this initially seems like a poor career choice, it quickly becomes an idea that can provide a lot of success.

Influencers can earn a lot of money without even being one of the biggest and most well-known creators on the planet. Sure, you have Charli D’amelio, Addison Rae, and Khaby Lame who amass millions of dollars per year. But, they have millions of followers across multiple accounts. An influencer with just a few thousand followers can still earn a lot of money. How? Here are the main ways most influencers make their cash:

Sponsorships:

The majority of money comes in the form of sponsorships. Brands pay the influencer to promote their products, services, or just the brand itself. This is usually in the form of sponsored posts, with payments made per post. Alternatively, influencers can have sponsorship contracts where they represent a brand. This means that they regularly post about them, wear their clothing, and so on. It’s more of a long-term thing with money paid regularly as part of the contract.

Ad Revenue:

Most influencers will also make money from advertising revenue. It’s rare that you will see an influencer only work on one platform. In most cases, they’ll have a YouTube account or another platform that allows them to monetize their content. The more views they get, the more advertising revenue they earn. As they become more popular, advertising companies pay more money to get their ads shown on their videos. Why? Because these companies know that thousands of impressionable eyes will be watching, which is a huge opportunity for them.

Merchandise:

Finally, you have money earned through merchandise sales. Once an influencer gains a following, they’re in a very unique position. They will have thousands of people who pay attention to them and want to support them. So, the influencer can create merchandise or other products to sell to their followers.

The followers want to show support or represent the influencer, so they’ll be more than happy to make purchases. In a lot of cases, influencers use their platform to create products that extend beyond brand merchandise. Many will develop their own clothing lines that attract attention from people outside their following, helping them make even more money.

You see, the money making opportunities are very diverse here. This is why smaller influencers are still able to earn decent wages. Of course, one benefit of this career choice is that you get back what you put in. The more effort you make to grow your brand and the bigger you get, the more money you could end up making. Just remember to work hard because influencing doesn’t become an instant career over night!

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Jun1

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.

When doing online shopping, there are lots of websites that you can utilize to find coupon codes for free shipping or percentages off of your purchases (Retail Me Not, Honey, Raise). If your family is in need of new clothes, you can find some great offers at https://www.raise.com/coupons/macys for a one stop shopping experience at Macy’s.

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

Jul28

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!

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Jan9

How To Start Saving The Planet From Your Home

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How To Start Saving The Planet From Your Home

Our planet is starting to become destroyed and is suffering greatly due to climate change and environmental issues. We are using up our resources and overusing elements of energy that are contributing to the damaging environment. The severe weather conditions across the world are being caused by the damage of the ozone layer and it will only get worse if we don’t collectively try to do better and be better. Little things such as starting to recycle and using our cars less will help very much with this. You could look at the following:

Recycle more:

Look at what is recyclable and do it weekly. It is easy to do and is a huge benefit to the environment as it means that less goes to a landfill and more is going to be remade into exciting and beautiful new products that is friendly to the planet. Recycling glass is also possible and some cities offer roadside collection, but be sure to check with your local councils for the best way to get rid of glass.

Use less water:

Using less water and power in general is going to help keep bills down and help the planet. As previously mentioned, overusing our resources is never good. You must ensure you have reliable water tanks at home and at your business premises or any water systems used across the board, ensuring you have good Sta-Rite well pumps and filters that mean your system can work effectively. Using less water can be easy; take shorter showers, fewer baths, and don’t use your dishwasher as frequently.

Buy sustainably:

Buying sustainable products is going to massively help the environment. If you buy locally, it’s better for the environment and for your local community to bring money to your hometown as well as buying local which means less gas and energy has been used to bring it to you. It is a great way to really help and, of course, buy recycled materials as much as possible and don’t use plastic or paper bags; buy a tote bag that is reusable and probably much more durable!

Eat less meat:

Not only is this a brilliant way to get a little healthier and lower your risk of heart disease and bowel cancer, but cutting down on red meat helps the planet. The less animals slaughtered, the better it is for the planet by less emissions and keeps a better balance in order. There are lots of amazing alternatives, such as vegetarian sausages, fresh fruit and veg, grains, and smoothie bowls. It doesn’t have to be bland!

You will start to see a better, bigger change in how much money you’re spending during the month on your bills and energy; and saving can really help you to be thrifty with your own finances as well as helping the planet! So there you have it, some quick and simple ways to start saving water and energy from your home or business and contribute to making the world a more sustainable and well working planet, for you and future generations.

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Jan9

How To Save Money When Buying Electrical Goods

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How To Save Money When Buying Electrical Goods

We live in a fast-paced consumer society where all of the electrical items that we buy are out of date by next year. With many households changing their appliances and tech on a very regular basis, it means that there is a lot of waste. Perfectly good items often end up getting discarded and this has a very real and obvious impact on the environment.

But many people are considerate about these factors and will sell on any unwanted electrical items once they have been replaced. Or, where the value is relatively low, and there is still some use to be had, they may give them away using a service such as a freecycle site.

You can save money on your electricity bill by choosing the right provider. However, if you are savvy and want to save money on an item and are not too bothered about having all of the very latest features, then you may want to take a look online to see what you can find for free or very cheap:

Printers:

One electrical item that is often offered up for next to nothing or even for free are printers. On the other hand, vinyl printers are much more expensive but a worthy investment if you have a business. With new features getting added all of the time, many people feel the need to upgrade. But, if you are just after something that you can use to print or scan the occasional document or photograph, then you may find that getting a used model is just as good as buying new. Before you get your new used printer, check online to make sure that you can buy the right ink cartridges for it still.

Appliances:

Kitchen appliances such as washing machines, fridges, and freezers, often get replaced. With the internet of things on the rise, people want an appliance that they can control from their smartphone from anywhere in the world. But if you are not interested in all of that, you could get a perfectly reasonable appliance for very cheap.

Before you take it, make sure that you check to see that there are no nasty noises coming from it when it is working. Washing machines that rattle about when they are in use may be on their way out and, in reality, it is probably not worth you taking it in that condition.

Computers:

If you need a computer for the basics such as web browsing and working on documents, then why not get a second hand one? Unless you are gaming or using the computer for a lot of complex operations, then you will be able to get a computer that suits your needs very cheaply.

The things that you need to look for when you get a second hand computer are that the hard disk has been cleared before you get it. It should have a new installation of the operating system ready for you to set up as you like. Check to make sure that the laptop batteries still hold their charge, and that everything boots up and works as it should.

Reusing electric goods helps save the environment and you some money. Try this option out when you’re ready for a new printer or computer!

Featured Image By: Pixabay

Dec18

Affordable Home Improvements To Refresh Your Interiors

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Affordable Home Improvements To Refresh Your Interiors

Making home improvements is something that we do all the time. Whether it is purchasing a brand new rug, re-painting your living room, or doing a deep clean, you are improving your home. You’re making it better than what it was previously, and this is a natural instinct for many people. However, affordable home improvements that refresh the interior of your home is not always easy. Finding what you can do that doesn’t cost an arm and a leg but makes the inside of your property look fantastic is pretty challenging, so let’s take a look at a few options here:

Repaint your room:

Instead of focusing on repainting the entirety of your house, you should focus on repainting one room at a time. You only need about one bucket of paint to do this and a spare afternoon. It will make such a difference when you walk into a room and it looks brand-new, clean, and pristine. It can be a fun way to bond with somebody as well, because you’re working together to accomplish a goal, and you’ll find that a sense of banter and camaraderie naturally flows.

Replace the flooring:

The average floor is subjected to a lot of punishment. It’s stepped on, has bits of food dropped on it, has mud tracked through it, and there is no denying that your floor will need a refurbishment from time to time. Doing this can often give a new lease of life to what otherwise was a plain room.

Carpet is often a good idea for this particular exercise, offering both warmth and comfort, and at the same time looking neat and modern. If you purchase from a trusted provider like https://carpettogo.com/, then you will have absolutely no issues in redecorating your floor.

Get some decorations:

One of the best things that you can do is get some decorations for your home. There are a lot of things which aren’t that expensive and it’s important to remember that decorations don’t need to be big and ostentatious, so much as just small and decorative. They complement a room, but they don’t make it.

Something like a plant or a painting will be a good idea, and they aren’t usually too pricey. They will help to brighten up a room and offer something different in the way of texture and color. Pick a great statement piece and watch your room transform.

All things considered, these are just a few different options that you have available to you when it comes to making affordable home improvements. It’s not always easy to do so, but there are moments when you have to look after your rooms and change up some of the elements in your house to make sure that everything stays fresh and vibrant.

It’s worthwhile to experiment with different options, textures, colors, and designs because this will help you to get the best possible interior. Your property is often a point of pride, so it is important to look after!

Featured Image By: Unsplash

Dec16

How To Get The Best Price For Your House (Without Breaking The Bank!)

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How To Get The Best Price For Your House (Without Breaking The Bank!)

If you are taking the plunge and selling your house, there is one thing that will drive the wholesale, and that is getting the very best price for your home. While there is a lot of information around on the internet telling you to spend here and spend there, there are, in fact, some remarkably cheap ways to add some value to your home.

In this post, we are going to be taking a look at some inexpensive and free ways to add value to your home, and we will even take a look at what buyers really want to see when they view a house:

Why Make Changes If You’re Selling:

The most important thing to realize when it comes to selling your home is that the market is extremely competitive. So, in order to ensure you can sell your home as quickly as possible, you will need to make some moves that aren’t being made by other sellers.

When buyers visit homes, they are looking at every little detail, and in order for you to not only make a sale but also get the best possible price, there are some things that need to be addressed. The number one thing buyers want for their money is value, and when it comes to value, they really want space. Space, however, is generally an illusion, and we will address this a little later on in the post.

You should be looking to make your house stand out above any others in your neighborhood that may also be up for sale, and doing all of these things is far easier than you may believe. We will now take a look at some of the things you should be doing and will also see why each of these can help.

Improve Your Curb Appeal:

The very first thing you should be doing for your house is to make it look welcoming. Let’s be honest; if your house looks like 112 Ocean Avenue, you may have a little trouble selling up.

If, however, you put in a little effort by taking care of the garden and aesthetics of the home from the outside, you will find you are onto an instant winner. People will often judge a house by what it looks like on the outside, so you may even consider updating the exterior paintwork a little, as well.

Another thing that will often go down well is if if your driveway is clean and paved. The best way to get your driveway looking its best will obviously be Pressure Washing, while most people would consider doing this themselves, they would very rarely have access to industrial-strength units, and this is what would be required for a job like this.

Give The Illusion Of More Space:

If there is one thing that is going to either reduce or increase the price that will be offered on your home, it will all come down to space. It’s important to remember that when a buyer comes to view your home if they are interested, they will also be looking for anything that can be used as a negotiation point. It is your job to preempt what they may deem as a problem and fix it before they ever see it.

The best tip that can be given when it comes to ensuring you get the right price for your home is to start filling some moving boxes before you even have your first house viewer. By simply boxing up items that you know you will not use, you will end up dramatically reducing the number of items in the house.

When you reduce the number of items in the house, you give natural light the ability to hit areas that it usually wouldn’t. When the light penetrates every corner of the room, you will find that every room in the house has the illusion of looking bigger.

Give Buyers The Canvas They Want:

The most sought after thing when people head out and start to view homes is something they can visualize living in. More often than not, if the house they are viewing is decorated with dense colors and items personal to the current owner, while this may be homely to you, it won’t be to the potential buyer, in fact, it will be quite off-putting.

The best possible thing you can do is to give them a completely neutral canvas. By painting the house in neutral colors, this will allow the buyer to visualize how they see the house in their own mind and is one of the best selling points that you can offer.

In Conclusion:

As you can see, these are some simple solutions for giving you the best possible price when you are selling your home. While they may all seem very basic at their core, they are all vital when it comes to what is wanted from buyers in the real estate market nowadays. When it comes to selling houses, it’s not as easy as it once was, and buyers are more easy to scrutinize than ever before.

If you are selling up and want the best possible price, you will need to put in a little effort and a little cash in order to see a very handsome return.

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Dec11

Where Can You Cut Costs When Working On Your Kitchen?

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Where Can You Cut Costs When Working On Your Kitchen?

DIY has long been a popular way to make your home look better without spending a small fortune on it. A lot of people are choosing to go down this route with their homes, working hard to make changes by themselves. Of course, even when you do all of the hard work yourself, it will always be difficult to avoid spending money on a room like a kitchen. There are simply too many expensive items which go into this space.

When planning to renovate a kitchen, you need to get prices for everything and compare those prices to see which is best. You will need to get prices for a skip, flooring, cupboard doors, and possibly even screws and hinges among other necessities. To help you out with this, this post will be exploring some of the best ways to save in the kitchen, covering each of the elements you’ll need to buy:

Cabinets & Surfaces:

This is usually the priciest part of most kitchens. The cabinets and surfaces you have can cost a lot, but you need them to be able to use the room effectively. Thankfully, people often sell this part of their home when they renovate. You can find loads of kitchens cabinets on sites like eBay, and many of them will come in excellent condition. While you have to collect them yourself, this option will be far cheaper than buying something new, while also giving you the opportunity to get features which you may not have been able to afford brand new.

Appliances:

Appliances are another area which can be expensive when you’re renovating your kitchen, leaving a lot of people to keep their old machines for this job. Like the cabinets, though, you can often find appliances in great condition on the used market. This is always a lot cheaper than buying the items new.’

Flooring:

While it may seem like something which should be nice and cheap, flooring can often be one of the priciest parts of a new kitchen. With tiles being so expensive, a lot of people opt for plastic flooring, though this rarely looks perfect. There are a lot of discount tile retailers around the web, giving you access to this resource for far less than you’d pay full price. It’s well worth hunting for deals on items like this, as this can drastically reduce the price of your kitchen, while also keeping it looking good.

Sinks, Taps, & Other Accessories:

Finally, as the last area to think about, it’s time to consider sinks, taps, and other accessories which finish your kitchen. These will always be the most noticeable objects in your kitchen, and this makes it worth spending more on them than the other areas in this post. You can usually find good second hand deals for them, but buying them from regular stores shouldn’t be too hard, as long as you’ve saved enough money on the other parts of the room.

Building a new kitchen will be a challenge. Not only will you have to find everything you need at the lowest prices, but you will also need to put the room together. You’re going to need to do some learning to achieve the best results, but these skills will stay with you for the rest of your life.

Featured Image By: Unsplash

Nov26

Dollar Tree Haul

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Dollar Tree Haul

Hello everyone! If there’s one thing that Lil Red doesn’t believe in, it’s paying full price for just about anything. So, it’s pretty shocking that I really didn’t get into shopping at the Dollar Tree until this past year. One of my clients loves that store and I always end up there at least one time a week. It wasn’t until I took a closer look around until I realized that the Dollar Tree is friggen awesome and I have had much success shopping there, especially since moving into my apartment. Don’t believe me? Check out this big ol’ haul for yourself:

tree

For twenty items I paid twenty dollars altogether and I am confident that if I purchased all of this at a normal grocery store it would easily be over fifty dollars. The Dollar Tree pulled through in the clutch for me at just the right time because after all of my holiday shopping this month, my credit card bill is going to be huge. BUT, I also have no food in my apartment. This will definitely tide me over until my bill turns over in December and I can do a bigger grocery shopping trip.

Also, can we please talk about the potato gnocchi and Arizona nacho trays?! They are both SO freaking good and the only thing that isn’t pictured is the nachos that I already ate, lol. They are a perfect snack for when I get home from work and I was so stoked that the Dollar Tree that I was at had them that I just had to get six, lol! The gnocchi is also a quick, easy, and delicious meal that my boyfriend and I both love and will be a perfect, simple dinner after we’ve both had a long day.

I have never quite understood the people that considered themselves above discount shopping but I, for one, will never be. Compliments of shopping at TJMaxx and Marc’s (a discount grocery store in my neck of the woods), I am sure that I’ve saved over thousands throughout the years and that ballin on a budget train isn’t going to end any time soon!

What is your favorite discount store? How do you ball on a budget for your grocery shopping? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah