Tag Archives: saving

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

New Umgee USA Poncho

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New Umgee USA Poncho

Hi! A very cool part of shopping at EmLeigh’s and Mama B’s in Marietta, Ohio was that it also had a few racks of consignment clothing along with their selection of brand new items. It was in the consignment rack that my eyes locked on a stunning denim blue and cream colored poncho by Umgee USA. Normally, something like that wouldn’t be my immediate choice to try on, but I was so enamored by the macrame style detailing that I just had to give it a shot. And, I’m glad I did because it obviously ended up coming home with me! Check it out:

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Everything about my new poncho is so unique and that’s why I am itching to wear it once the spring weather hits. From the paisley pattern and fringe at the bottom to the macrame detailing on the collar and sleeves, this poncho screams all things 1970s. And, as an avid fan of That 70’s Show and all of the amazing fashion in it, I was beyond excited to welcome it into my wardrobe.

I cannot wait to pair this poncho with sweet denim shorts as soon as the warm weather strikes. I also think that it would look absolutely charming with an A-line mini skirt and some platform heels. No matter how I style my Umgee USA poncho, I know that it will make a statement… A bold statement that only costed me FIVE BUCKS! You just can’t beat that!

Do you have a favorite consignment shop in your area? Which decade of fashion most inspires you? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Dollar Tree Haul

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Dollar Tree Haul

Hello! If you’re anything like me, then I know you love some discount shopping! The Dollar Tree is my happy place and I always seem to be able to find a little treat or some food for chez moi at a fraction of the price of a normal grocery store. Speaking of going grocery shopping, I only go once every two to three months. Since I live alone, I stock up on everything I need to avoid weekly or even biweekly trips to the grocery.

However, I am in the phase of my extended time not grocery shopping where my cupboards are running a little bare. And by a little, I mean I’ve literally ate spaghetti every day for the past week, lol. Luckily, the Dollar Tree has my back and I was able to pick up all of these goodies for a whole thirteen bucks. Check it out:

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Lol, so I know that looks like an excessive amount of the Arizona nachos n’ cheese dip, reminiscent of an adult Lunchable, but it’s actually not enough. These nacho trays are my absolute favorite snack on the planet. The small, circular chips are crisp, the cheese is spicy, and it really is a perfect and highly convenient snack for when I’m at work. And, of course, you need some Sour Skittles to wash it all down. 😉

I am also very partial to the Shells & Cheese kit because you don’t need milk to make it, which is great, because I haven’t had milk in my apartment for months! One of these tiny boxes makes a staggering amount of mac n’ cheese and it ends up feeding me for at least three days. And for a whole dollar, you just can’t beat that.

Finally, I was so pleased with the last sets of fake eyelashes that I purchased from the Dollar Tree that I decided to restock my supply. The last fake lashes I got were long and in funky colors because it was around Halloween when I bought them. They applied like a dream and lasted all night so I’m looking forward to testing out my simple pairs of black lashes on a day where I don’t feel like doing my makeup. Keep tuning in to see how it works out! 😀

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

Walmart Entertainment Haul

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Walmart Entertainment Haul

Hellooo everyone! As we all know, Lil Red absolutely cannot refuse the five dollar movie section in any store I go to. I am a huge lover of having DVDs readily available to pop in during a night at home and if I am entertained for the evening, then I consider it money well spent. During an outing with a client at Walmart, I ended up doing some shopping myself and wound up with the following flicks as well as a game that I have been holding off on purchasing. Take a look:

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One of my client’s families introduced me to the game Sequence last year and it is so much fun to play. Part luck and part strategy, you basically have to draw cards and place a chip on the card’s spot on the board. Like Bingo, you need five chips in a row to score a point. Sequence is a wonderful game to play as a team or one on one and I am looking forward to bringing it to the next game night I go to!

Now, for the movies:

Jigsaw: I needed to add this one to my collection since I already have Saw one through seven. Was it the best? No. But I’ll definitely watch it again.

Spy: I never say no to anything Melissa McCarthy and was so happy to find Spy way marked down because it is one of my favorites!

Moonlight: This movie was a must for me because I have never seen it and have heard nothing but amazing things. I also loved Mahershala Ali in Green Book and am eager to see him in what I heard was another outstanding performance.

Paul Blart Mall Cop 1 & 2: Lol, I know, I know. BUT, in case you guys weren’t aware, there is a little thing called “Blart Side Of The Mall” where Paul Blart 2 is synced up to Pink Floyd’s album, “Dark Side Of The Moon”, and it is absolutely hilarious. My boyfriend and I split a gut laughing to it and I am so excited to watch it again!

Baby Driver: I’ve been meaning to buy this movie for a while because it has a fantastic soundtrack that I know my boyfriend will appreciate. It was also so cool to see so many motions by the actor’s synced up to each song. Action packed, all star cast, and Ansel Elgort couldn’t be any easier on the eyes if he tried. 😉

I am so pleased with my Walmart haul and can’t wait for my next movie night in!

What is on your must watch list? What other movies sync up well to Dark Side Of The Moon? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah