Tag Archives: saving

How To Save Money & Stress When Moving

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How To Save Money & Stress When Moving

We all know the cliche about moving house being one of the most stressful and expensive things you can ever do. But those negatives aren’t necessarily as inevitable as you might think they are. There are so many ways in which you can reduce the costs associated with moving, while also making the process as minimally stressful as it can be. And that’s exactly what we’re going to talk about today. Read on and benefit from these tips:

Plan Your Move Around Your Work Schedule:

If you can schedule the day of the move for a time when you’re not going to be working or when you can book paid leave from your job, that’s the right thing to do from a financial standpoint. People often think about the fees and costs of moving to a new home, but the money you lose by being forced to take unpaid time away from work is something that also shouldn’t be ignored.

Declutter Before the Move:

Your move will be a lot less stressful for you if you can take the time to declutter your property beforehand. Spending time, energy, and money moving things that you don’t even want or need is pointless from an efficiency and financial point of view. By clearing out your property today and simply getting rid of the things that you really don’t need anymore, you’ll be able to avoid that level of wasted resources.

Try to Move Off-Season if Possible:

The costs associated with moving differ depending on the time of year. If you want to move in summer when everyone else is also trying to move house, you’re going to face higher demand and competition for people looking to secure the services of good movers and solicitors. The process will also be longer as well as more expensive because of the delays caused by that high demand for the necessary professional services.

See if You’re Entitled to Any Discounts:

When looking to secure the help of moving professionals, you should take the time to see if you’re entitled to any discounts often offered by those kinds of services. For example, people over a certain age level, students, and people who have served in the military or government agencies are very often entitled to discounted services. It’s a great way to save money, so don’t miss out if you’re entitled.

Work with Reliable Professionals:

Working with reliable moving professionals who are going to be able to make the move as smooth for you as it can be will make your life a lot less stressful. The right moving professionals have the knowledge and experience necessary, which will help alleviate some of your worries. Try to find people who are skilled and trusted in their niche – that applies to movers, solicitors, and everyone else in between.

Source Free Packing Materials:

Sourcing packing materials is one of the best ways out there to save money. If you’re paying for boxes and tape and all of the other wrapping and protective materials you need, you’ll be wasting money. All of that stuff is out there and you can usually get your hands on it very cheaply. Ask around because everyone has boxes that they no longer need after their own house move. Better still, find a moving company that offers this stuff at no extra cost to you.

Saving yourself stress and time when moving house is essential to making the experience a more positive one. Get started with the tips above so you can focus your attention on the more pressing matters of your move.

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

Saving Energy: 3 Steps To A More Efficient Home

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Saving Energy: 3 Steps To A More Efficient Home

Are you looking to cut down on your carbon footprint or do you only want to reduce the amount you are spending on household energy? If you want to increase your home’s energy efficiency, you need to do more than just reducing the amount of energy. You should figure out the areas that use energy, how it is wasted, and ways to use it more effectively and efficiently. It all starts with making simple changes around the house that would significantly impact the environment and your energy bills.

If you are unsure of where to begin, here are some tips that can guide you to make your home an energy-saving haven:

Improve your Home Insulation:

Insulating your home in the right way helps to preserve heat during winter and keep out the heat during summer. It also reduces the amount of fuel you burn to warm the house, reducing CO2 emissions into the air. Insulating your house is a cheaper alternative to using power-hungry air conditioning units.

If your home does not have proper insulation, much of the heat will get lost through the roof, walls, windows, and floors. Not only does it become expensive to heat, but it also becomes challenging to maintain the heat. You don’t have to spend much to improve your home insulation. Small home improvements can have a significant impact on your energy conservation.

For example, you can use spray foam to insulate your walls and prevent them from losing heat too quickly, saving you money while also reducing the energy you use. The correct spray foam insulation temperature should be around 120 to 140 degrees Fahrenheit.

Turn Down your Thermostat:

Reducing your heating is an excellent approach to reducing the amount of energy you spend every month. It may be a hard feat to enact during winter because of the extremely low temperatures. However, you do not have to overdo it. You can save a lot of money by just turning your thermostat to a few degrees lower.

If your house gets cold, throw on a sweater or a robe and invest in thermal curtains that you can use during the winter months. A smart thermostat can also help you save energy more efficiently since it allows you to heat only the rooms you are using and control the temperatures from your smartphone.

Avoid Leaving Appliances on Standby:

Appliances still consume electricity even when on standby, provided they still have a connection to the power source. This includes devices such as microwaves, printers, washing machines, TVs, and laptops. Once you finish using an item, switch it off by unplugging from the power source. It can help you save more than $30 every year on energy.

As you can see, you do not have to spend too much time or money to make your home energy-efficient. You can cut your energy bills by following the above simple steps. Remember, when your home is well insulated and energy-efficient, it will not only help you save on costs, but it will also lead to a cleaner and greener environment for everyone.

Featured Image By: Pixabay

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

Huge Bath & Body Works Online Haul

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Huge Bath & Body Works Online Haul

Hello! One thing that I have always enjoyed doing is shopping the semi annual sales at Bath & Body Works. Never would I ever buy their products full price but when they are slashing them fifty to seventy-five percent off, why wouldn’t you stock up?! Not only did I snag some early birthday gifts for my bestie but I also was able to score some shower gels for me as well as a huge supply of foaming hand soap to get myself and Johnny through another few months of quarantine. Check it out:

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If you aren’t hip to the glory of the foaming hand soaps from B&BW, then I highly suggest you hit up their sales and buy a few for yourself. They are easily the best hand soaps I have ever used. First of all, they smell fabulous. Second, a tiny pump of it goes a really long way. And, finally, they leave my hands feeling completely clean, totally moisturized, and smelling awesome.

Before, I was always okay with just buying drugstore brands for my shower gel and hand soap needs and would tut at the original expensive B&BW prices. But, when I discovered their semi annual sale, my life changed for the better. Over dramatic, yes. Lol, but it’s true. I love having a huge supply of smell goods in my apartment and my stock pile is guilt free because I paid a fraction of what the original cost would be.

Although it is the most fun to shop the sale in stores, I was still excited to fire up my laptop and check it out online. There is a potential for me to not like some of the scents because I couldn’t give it a whiff test but those products can easily be passed on to someone else or saved for a rainy day when I realize my hoard is ready for a restock!

I was happy to still shop B&BW’s sale in an nontraditional way and, now, I will patiently wait for their post winter price cuts so I can do it all over again! 😀

What is your favorite semi annual sale to shop? How do you save money on brand name shopping? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

My Quarantine Beauty Routine

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My Quarantine Beauty Routine

Hi! Living in a lock down state has definitely put a damper on my beauty routine. In fact, I can probably count on under ten fingers the amount of times I’ve put a full face of makeup on since March nineteenth. Sure, it’s nice to be feeling myself after I beat my face but, at the end of the day, it’s not like Johnny and I do anything so what’s the point?

Every once in a while I’ll put some mascara and blush on but, for the most part, my face has been au natural. Because of that, I have really just been enjoying doing face masks on my already blank face in the evening. I have also incorporated a night time skin care routine into my beauty regimen. I used to not have one, as I never took my makeup off before bed. But, now, I always apply my serum, eye cream, and moisturizer before bed too.

Although I miss doing my makeup, I like sleeping in before work more! Lol, what I really miss is shopping. I’m not comfortable making my rounds in a store like TJMaxx or Target yet. And, when I find some cute, in season clothes online I realize that no one will probably see me in it till next year so what’s the point? I mainly have just been ordering my skin care online and extra hand soaps from Bath & Body Works when I need it.

On the bright side, this lack of shopping and applying makeup has saved me money. The lack of going out to restaurants and bars and doing my eating (And drinking!) at home also saves me money. So, when the fateful day comes that I can finally have a TJ’s shopping trip without having a panic attack, I know the haul that will be purchased will be totally guilt free. Score!

What do you miss doing most while in quarantine? How have your normal routines been affected? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Save Time By Outsourcing Your Personal Admin

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Save Time By Outsourcing Your Personal Admin

Do you feel like you don’t have any time? If you feel like there aren’t enough hours in the day to get stuff done, you may be overstretching yourself. It’s okay to pay someone to complete personal admin. From getting help moving house to having your shopping delivered, you can carve some time back for yourself by leaving your daily tasks to the professionals:

Help Moving House:

Were you considering renting a van and driving your furniture to your new home? Moving is already stressful enough without you having to relocate your entire house at the same time. Hire a moving company to do the job for you. You can often select the level of service you require, from long-distance relocation to storage options until you get settled in. Let yourself focus on getting your family into the new place while a moving company does the rest for you.

Grocery Shopping:

Are you fed up with making your way to the supermarket every week? Well, stop doing it! 1.8 billion people worldwide shop online, so it’s time to join a quarter of the population and start saving yourself some time. Choose a delivery service and let your food come to you. If you don’t drive, ordering your food shopping saves you even more time than relying on public transport. You can order more in one go, too, rather than carrying bags home yourself.

Painting and Decorating:

While we’d all love a pristine home, if you’re not a professional, doing some home decor yourself can often be disappointing. You have a perfect idea of what you want the room to look like, only to find your DIY skills are a little lacking. The hours tick by while you’re watching paint dry, knowing you’ll have to put another coat of paint on. Doesn’t sound fun, right? Pay a professional painter or decorator, and you’ll be happy with the finished product and save yourself time in the process.

Gardening:

It can feel daunting to tackle your garden maintenance, especially if your outdoor space has gone unloved for a while. You could seek out Pinterest for some garden inspiration, or you could hire a professional gardener to take the stress off you. Your garden might need a little spruce up or you might take the opportunity to hire a landscape gardener for a complete overhaul. Take back some vital weekend time you might otherwise spend wondering what to do with your garden.

Daily Errands:

Are you tired of having to wait in line or complete daily errands that are otherwise pretty dull? From putting together IKEA furniture to folding your laundry, there are hundreds of daily tasks you can outsource to someone else. See if there’s a service like TaskRabbit in your area to hire someone to take on your daily errands. Or, you might want to earn money doing this for someone yourself.

There are hundreds of little things you can outsource to others to make time for yourself. Start outsourcing your personal admin today, and you’ll be surprised when it frees up time to do the things you actually enjoy.

Featured Image By: Pexels

Cut Your Energy Bills With These Tips

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Cut Your Energy Bills With These Tips

One of the many things that the COVID-19 pandemic is having on society is a rise in energy bills. After all, we are all spending a lot more time at home, so it is only natural that we will consume a lot more energy.

A study carried out in 2009 found that as a nation, the United States was wasting over $130 billion a year on energy. Energy and money that escapes through our roof, through the inefficient seals around our windows, through cracks and holes in the walls, and appliances and lights left switched on or in standby mode. More than ten years later and a massive increase in the technology that we use on a day to day basis and you can imagine how much that amount has probably jumped up by since then.

The one good thing, however, is that our energy consumption is something we have power over, so we can take measures to reduce it. Here, we will look at some ways you can cut back on your bills:

Tackle your temperature:

Depending on the season, the cooling down or heating up of your home does not only bring you comfort during the day but may be the only thing that gives you a pleasant and restful night of sleep.

In the colder months, endeavor to keep the temperature between 18-20 ° C. Any degree higher than this will add up to 10% to your bill. Test the auto timers on your heater, too. By raising your heating time by one hour a day, you can save up to ninety hours of heating costs over the winter.

Once the warmer months have come back, strive to keep your air conditioner above 24 ° C. Any degree lower will add 10% to your electricity bill. Make sure your house is sealed well so that they work efficiently and keep all of the heat or the cool air in.

Increase your insulation:

Think about why you wear a hat in the winter. It is because your head is where you lose most of your heat. The same goes for your home – your roof is the head of your home. By making sure your attic space has the very best insulation possible from somewhere like https://www.insulatekansascity.com/attic-insulation/, you can reduce the amount of heat lost from your house and save you plenty of cash, particularly over the winter months.

Audit your appliances:

Old, outdated appliances can be power-hungry and can really add to your energy bill. If you have older air conditioning units, a flue gas heating system, or hot water system, you might want to think about an upgrade. Sure, it costs an outlay of money initially but, in the long term, it will really end up saving you.

Cutting your energy bills does not need to involve anything dramatic or necessarily expensive. A few minor tweaks to your lifestyle here and there and making sure everything is working efficiently is enough to save you hundreds of dollars every year – global pandemic or not.

Featured Image By: Pixabay

Low Budget Choices To Boost The Price Of Your Property

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Low Budget Choices To Boost The Price Of Your Property

If you’re looking for ways to boost the price of your property, but you’re currently working on a tight budget, then you might be finding the task particularly difficult. However, this doesn’t have to be the case, and you can actually find some low budget choices that will help you boost the price quite nicely. If you want to know more about what these options are, keep reading down below:

A Fresh Coat Of Paint:

Imagine if you walk into a home and see that the paint is peeling all over the place or that there are marks across the walls that are easily visible. If you’re trying to increase the price of your property, then this just isn’t going to help, which means that a new coat of paint is in order. Head to your local home depot store, and you will find a whole range of colors for you to choose from. You can go with the same kind that you had last time or you can change it up seeing as now is your chance. But, if you’re going to make a change, then you’ve got to be conscious of the other furniture in the room so that you don’t end up clashing.

Fun With Flooring:

Or, how about altering the flooring of your property? Rather than upgrading the flooring completely, you can think about adding something to it. This is always going to depend on the type of flooring that you have because you’ll need to make choices like Modular Vs. Epoxy Flooring. Epoxy flooring is ideal for concrete floors and will provide a glass of water aesthetic sure to dazzle. If you DIY this job, you’ll spend no more than $100. Sounds like a steal!

Let There Be Light:

Alternatively, you might want to think about changing the lighting in your home. There are lots of possibilities here. For instance, you can think about adding some new light fixtures to your property. Light fixtures can be surprisingly cheap and will easily fit into a standard home renovation budget. You can also find a lot of different styles so you should be able to achieve a wide range of different possibilities with your home redesign.

Lighting also has practical benefits if you are selling the home. With the right lighting fixtures, you will be able to avoid shadow in the room. Shadows will always make the room look significantly smaller and this will make a buyer think twice about investing in your property. Or, you could go tech-heavy with this choice. Get color changing bulbs controlled by a smart system integrated into your property. The tech is more than affordable now and will definitely impress a potential buyer.

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Ballin on a budget

We hope that you have found this article helpful, and now see some of the low budget choices to boost the price of your property. Have fun and try to work some of these changes into your spring cleaning!

Featured Image By: Pexels