Tag Archives: saving

Making Sure Accidents Have A Minimal Impact On Your Financial Life

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Making Sure Accidents Have A Minimal Impact On Your Financial Life

Hopefully, you won’t be involved or implicated in any accident throughout your lifetime. But it’s a good idea to prepare yourself in case of accidents and to know what to do if you find yourself injured in an accident. Injury can have a profoundly detrimental effect on your overall health and well being, making it difficult for you to work and, consequently, negatively impacting your finances. Here are a few different ways to avoid the financial strain from happening if you find yourself hurt:

Taking Out Insurance:

A precautionary step that you can take in regards to accidents is to take out insurance. Insurance policies essentially protect you from experiencing financial difficulty if negative events occur in your life. Travel insurance can cover medical costs incurred overseas, such as care, treatments, and procedures. Disability insurance can ensure that you still have an income if you become disabled and are no longer able to work.

Gathering Savings:

Another step to take is to gather savings. This means that if times get financially hard during your process of recovery, you will have funds to fall back on. You won’t have to go without at any point. You can generally gather savings by dedicating a portion of your disposable income to a savings account each time you are paid. Make sure to compare different savings accounts and to choose the one with the best interest rate.

Seeking Legal Help:

It is extremely important that you seek help after an injury if the injury was no fault of your own. Generally speaking, injuries take place in spaces where others are responsible for your safety and well being and, if you have been hurt, someone needs to be held accountable. This goes for injuries that occur in the workplace, in public places, or on commercial premises. Seeking legal help can ensure that the same doesn’t happen to someone else in the future, and it can also help you financially. Those in the wrong should pay compensation, which can cover your medical costs and can go towards your lost earnings during your period of recovery. This will help you to avoid going into debt if you have to take time off work to get back to your usual, healthy self.

Living Within Your Means During Recovery:

Recovery can be a relatively dull period in our lives. We have limited entertainment and distractions and can quickly grow bored of watching the same television shows each day. So, it’s not all too surprising that many people tend to treat themselves excessively and live beyond their means at this time. They might spend more on comfort food. They might purchase films they’ve not seen before. They’ll buy more reading material. The list goes on and on. But it’s extremely important to live within your means during your period of recovery, or you might find yourself sinking into debt.

These are just a few different steps that you can take in order to ensure that accidents have as minimal of a negative impact on your finances as possible. Incorporate them into your routine as soon as you get a chance!

Featured Image By: Pexels

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Incorporating Reclaimed Wood Into Your Home

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Incorporating Reclaimed Wood Into Your Home

Interior design trends tend to sweep the world by storm. But, many of us feel reluctant to engage with them in fear that they will soon fizzle out and we will be left with a property that ends up looking a little dated. However, there are certain trends that have longevity to them and are actually beneficial in regards to more than mere aesthetic value! Reclaimed wood is likely to be one of these. If you’ve spent a little time browsing Pinterest boards or glossy magazines for interior design inspiration lately, chances are that you’ve seen the words “reclaimed wood” thrown about a fair amount – so what actually is reclaimed wood and should it be something that you’re paying attention to? Read on to find out!

Why Reclaimed Wood?

Reclaimed wood is essentially reused or recycled wood. It is wood that has a past and has previously been used in some way or another. Generally speaking, reclaimed wood that is used in interior design has already existed in a home elsewhere and can generally date back as far as the eighteenth century. So why use this wood with history? Well, there are various benefits that come hand in hand with it. The first, is that it tends to have a rustic look and feel to it. This can make your home feel more vintage or have a unique aesthetic. It also has environmental benefits. New wood (which is often unsustainably sourced) tends to contribute towards deforestation and habitat destruction. Why engage with this when there’s already perfectly good wood out there? Be careful to not mix reclaimed wood up with salvaged wood – this is wood that has been cut and stored for several years, but that has simply not been used. It is the interior design equivalent of deadstock vintage clothing.

Sourcing Reclaimed Wood:

It can be relatively difficult to guarantee that any reclaimed wood that you purchase is genuinely reclaimed wood. Some people have noticed that they can sell reclaimed wood at a higher cost, so will simply attempt to make new wood look a little distressed and pass it off as the real deal. To ensure that the reclaimed wood you are using is genuine and of good quality, use reliable suppliers like Manomin Resawn Timbers. They will be able to provide you with everything that you need!

Incorporating Reclaimed Wood Into Your Home:

Now, there are various ways that you can incorporate reclaimed wood into your home effectively. Some inspirational options include:

Hopefully, the above information has helped you to see some of the benefits of reclaimed wood and may have given you some inspiration to start incorporating it into your home!

Featured Image By: Pexels

How To Get Your Foot On The Housing Ladder

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How To Get Your Foot On The Housing Ladder

Getting your foot on the housing ladder can be a difficult (and daunting) thing. What does all of this financial jargon mean, and will we ever understand all of the mortgage-related words that are floating around? And, on top of this, will we be in the endless cycle of renting forever? However, getting your foot on the ladder is a great way to stop wasting money on renting, and it feels really good to be on the road to owning your own home. Read on if you want to know how to do it, and say goodbye to your rented property:

Get a loan:

Ah, the dreaded word. Getting a loan may not be as bad as you actually think, though, and it can help you to cover unexpected moving costs, as well as your deposit and other expenses that you’ll have to pay out. Check the rates before you dive head first into the world of borrowing money, and make sure that there are no hidden terms and conditions that might compromise you in ways that you didn’t expect. Whilst getting the home of your dreams is important to you, it isn’t worth risking too much and acting haphazardly, and loan companies don’t always advertise the downsides.

Speak to a mortgage broker:

The most popular way to get your foot on the housing ladder is getting a mortgage, so speak to a mortgage broker if you’re thinking about choosing this method. The same thing applies here when it comes to getting a good rate with no hidden costs, but speaking to a professional will help you to establish what you really have to pay out, and how many years your mortgage will cover. It may not be as daunting as you really think, and you won’t be paying it off for the next fifty years, especially if you work out a good repayment scheme with your broker. Get in touch with someone like https://altrua.ca/ if you’re looking for a mortgage broker.

Help to buy schemes:

If you’re struggling to get into the housing market, then the government could help you with a Help to Buy scheme. For every £200 you save towards your own home, the government will give you £50. This goes up to £3,000 in total that you could get from them, so it is worthwhile if you’re serious about buying your first home. This can help you to secure enough for a deposit and, this isn’t a loan, so you won’t have to pay it back. No matter what country you’re living in, there could be help from the government with buying your own home, so have a look into the options that are out there if you’re looking for a hand with funding from the government.

There are many ways to get your foot on the housing ladder, and getting a loan is one of them, although you should be careful about what you’re actually signing up for. Most people will have to get a mortgage, so speaking to a mortgage broker (a good one) will help you to get the ball rolling. However, before you visit any mortgage broker, make sure that you have a good basis for a deposit, and the government can usually help you with this. Look into your options, and get yourself on the housing ladder!

Featured Image By: Pexels

Early Holiday Shopping Tips & Tricks

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Early Holiday Shopping Tips & Tricks

Hiiii everyone! If you’re like me, then you like to get your holiday shopping done nice and early. I’ll tell you what, there is nothing better than clearing off your Christmas shopping list in November so that you can relax and be merry all December long. I recently began my shopping for my friends and family and even buying for just a few people has let me breathe a huge sigh of relief.

But, sometimes, holiday shopping can seem like a bit much – especially if you have a large family or group of friends to buy for. And, believe me, I get it. I have a pretty substantial list of people to shop for and that’s why I ball on a budget more than ever during the holiday season with the following tips:

Make A List/Budget:

The very first thing that I do when I prep for holiday shopping is the obvious starter of making a list. I go through everyone in my head that I need to buy for from family to significant others of the family to my boyfriend, BFFs, and colleagues and then write them down accordingly. Then, I include some basic ideas of what to get for each person by their names.

Once I have a good idea of who I need to shop for and what I would like to purchase for them, I set a budget. Normally, I have a pretty set in stone price range that I would like to stay in that applies for everyone. But, there could be certain people that you might want to shell out more or less from depending on the situation. Are you surprising your parents with a holiday gift basket? Awesome, ball out. Do you have a white elephant gift to buy for the office party? Spend a little less. That way your budget will still end up balancing out in the end.

Shopping lists and budgets provide a great guideline for completing your present purchasing in a (Somewhat!) stress-free manner. But, don’t let the price points that you set make you go too crazy! Going over budget is fine if the item is worth splurging on and you know that the giftee will love it. Like I said, there are always deals and hacks to utilize to bring yourself back within your spending limit. Like the following:

Steals, Deals, & Freebies:

My number one rule of shopping is to always get something extra out of your purchases. Whether that be points on a credit card, a free gift, or a BOGO style deal in store, always always shop smart. Do your research on the promotions that your favorite stores are running in store or online. Is a huge Black Friday sale happening? Maybe wait on that big screen TV, then. Is the deal that you can get online even better than what you could get in store? Then you better grab it before it goes out of stock.

Being aware of what promotions that the stores are running is just half of the trick. A good way to go about whether to wait for Black Friday deals or to purchase now is to think about what sales the store ran last year. I worked four Black Fridays in a row and the stores that I worked at ran the same promotions every year and they still do now. So, if those deals are worth waiting for, hold off until Black Friday or Cyber Monday. If not, and a good sale is running already, buying it now is just fine.

The next thing that you should be concerned with, are the deals that you can get with your credit or store rewards cards. Sometimes, it’s worth applying for a credit card just to do your holiday shopping on it. For example, if you apply for an Amazon credit card and get approved, you get a free fifty dollar gift card to spend on the site. Other credit cards will reward you with points or store credit when you use them. Can your cash do that?

And, finally, always compare in store and online prices before you purchase! Some stores will price match if it is cheaper online. And, other stores, like Sephora offer deals that you could never get in store. I spent fifty dollars on their website and got free shipping, two free samples, and two free really nice gifts for spending a certain amount of money. You should try to get the most bang for your buck whenever you’re shopping and free gifts for yourself never hurts!

Ready, Set, Gift Sets:

Gift sets are the bread and butter of my holiday shopping. They are a crowd and wallet pleaser and they are so fun to assemble. Some stores offer stellar pre-made sets that have a lot of product for not as big of a price tag, and those are great, too. If a family member or friend has a more eclectic taste, gift sets are an excellent way to go, because you can give them an assortment of odds and ends that will speak more to their uniqueness than a gift card. Or, if you’re shopping for nieces or nephews, hit up a Five Below and create a goody bag on a dime. And, always remember, that a nice basket or container is part of the gift so pick something nice that can be used again. 🙂

What are your tips and tricks for holiday shopping? Who has their holiday shopping finished already? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Lil Red Loves: Libraries

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Lil Red Loves: Libraries

Hi! Something that I’ve been fond of for as long as I can remember but, even more so this year, is the good ol’ local library. In my neck of the woods, there are plenty of different libraries to go to that have instilled in me a love for reading from story time as a youngin up until now as a twenty something. And, what I have learned this past year, is that libraries aren’t just for checking out books and movies.

Frequenting the libraries in the greater Akron area has become a staple in my day job, as they offer wonderful, educational, and fun programs that are all completely free. My clients and I love visiting different libraries and always end up reaping the benefits that the programs and events have to offer. From gaining knowledge and new hobbies to receiving totally free books like the ones below, the library is definitely the place to be.

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The libraries in my area offer everything from reading with therapy dogs to GED classes and murder mystery dinners. I have been to excellent music concerts with clients and showings of recently released movies in a huge auditorium. I’ve also attended yoga classes, escape rooms, and lessons in meditation all for the cost of absolutely FREE.

Just last week at North Hill Library’s meditation class, there were cardboard boxes full of free books for the taking. Mysteries, romances, fiction, and nonfiction alike were all there to be sorted through and there was no limit to what we could select. My client and I had a blast looking at all of the choices and I ended up picking out all of the above horror style murder mysteries (My favorite!) to take home with me. Will I like all of them? Maybe not, but that’s no harm done, because I can always donate it so that someone else can have what might be their new favorite page turner.

Lil Red will always support establishments that better the community and I am thankful that mine has so many excellent libraries to choose from, because they do just that. Libraries are inclusive to every single person in this world and there is much to be learned and a lot of fun to be had during your next visit to the neighborhood library!

Who else makes good use out of their local library? What type of programs does your library offer to the public? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Dollar Tree Deals

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Dollar Tree Deals

Hi! We all know that Lil Red loves to shop but, the trick is, is that I am all about the discount stores to save copious amounts of cash while I partake in my favorite hobby. In today’s post, it’s all about the Washingtons, because I began my Christmas shopping early at the Dollar Tree and got six fairly decent sized candles for a dollar apiece. Check it out:

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The beauty of discount stores, aside from the immense amount of savings from shopping there, is that no one is the wiser when they receive their presents. I plan on attaching sets of three of the above candles with a festive bow as part of gifts for friends and family and, for all they know, I could have gotten them at Target. Not only is the size of the candles relatively big for a dollar deal but, they smell amazing, too! The Pineapple Upside Down Cake is my favorite and I know that it will be a hit for my giftees. 🙂

What is your favorite discount store? Who has started their holiday shopping already? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: Gephardt Daily

Five Below Find

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Five Below Find

Howdy! Something that I’ve grown very fond of as of late are discount stores. Dollar Tree, Dollar General, Five Below – you name it, and I like it. Ballin on a budget is my lifestyle choice and these stores live by my motto of “why pay more if you don’t have to”. From office supplies and snacks to holiday decor for a dollar, sometimes I feel like I’ve hit the jackpot when I stop into a discount shop. Just the other day at Five Below, for example, I walked away with this darling hair bow for three bucks and I’m sure it would have costed at least ten at Claire’s! Take a look:

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This beautiful black bow with the long streamers ties in perfectly with my sweet goth aesthetic and I cannot wait to wear it. My hair definitely needs to grow out a bit more and, once it does, I will be pairing it with half up and messy bun styles ASAFP. The beauty of discount stores is that no one needs to know the price that you paid for a good find. For three bucks, I found a new accessory that would have costed me triple the price elsewhere and you just can’t beat that!

What is your favorite discount store to shop at? What is one of your best discount store finds? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Featured Image By: Five Below