Putting Your Money Where It Can’t Be Touched

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One of the biggest challenges a lot of adults face in modern life is money. People overspend, don’t save enough, and find themselves in a bad position, as a result, every day. Of course, a lot of this stems from bad habits, making it hard for people address it and make changes in their life for the better. It doesn’t have to be this way, though, and this post is here to help you out. It will be going through some of the best ways to store and save your money where it can’t be touched, so that it can’t be spent.

 

  • The Right Kinds Of Savings

In a lot of cases, people spend their money without thinking about it. But, if you put your money somewhere where you don’t have access, you won’t be able to spend it, eliminating the issue entirely. One of the best places for this is a savings account, but it has to be the right kind. Bonds are some of the best, as you have to wait for them to mature for several years before you get access to the funds. Along with this, though, you could also look into options which don’t give you access by card but still allow you to withdraw when you need to.

 

  • Insurance On Life

Sometimes, it’s best to put your money away for good, leaving it for someone else to use and enjoy. If you have children, for example, you probably want to make sure that they have the best possible start in life. One of the best ways to achieve a goal like this is through life insurance, but you have to make sure you start it early. In most cases, cover from companies like healthinsurancequotes.co will have to be built up over a long period. But, once you pay money in, there’s no chance that you’ll be able to spend it.

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Cutting Your Spending To Cut Your Debts

If you’re struggling with debt, then it’s time to do something about it. Unless you start earning more money, which may not always be possible, it’s time to get saving. By cutting your spending, you can reduce your monthly outgoings and put that money aside to pay off your debts. There are several ways you can cut your spending that can help you to clear your debts that don’t involve going without. Read these top tips below and start cutting your debts today.

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Stop eating out

Eating out regularly can make a dent in your outgoings, and is a wasteful spend if you’re trying to reduce your debts. Instead of buying lunch every day at work, take some food from home. This is a great way to cut make significant savings over the course of the month, as well as allow you to plan healthier eating. If you rely on a takeaway coffee to get you through the morning, invest in an insulated travel mug and take a coffee from home instead. Doing this could save you $3-4 a day, which is a significant saving. Get some fantastic ideas for lunches you can bring to work with you in this great Huffington Post article that will give you plenty of inspiration.

Walk or cycle rather than drive or take cabs

It’s very easy to be reliant on your car to get you from A to B, and if you often grab an Uber or a cab instead of public transport – you’re wasting money you could be saving. Try walking or cycling to work and use public transport if you have a long commute. Taking the train or bus to work will mean that you can get some chores done while you travel. Each time you walk or cycle to your destination, put the money you would have spent on travel in a jar – you’ll soon find yourself with a nice pot of savings that you can use to help clear your debt. [Read more…]

Make Extra Money, Without Spending Even A Minute More At Work

Wouldn’t it be nice if you had a little more money in your pocket each month? It’s a dream a lot of us have. Although, to do so it may seem like you will have to spend even less time at home with your family and more time at work, doing extra hours, or even starting up a side hustle? But what if I told you can up your monthly budget without being at work a single minute more than you are now? Interested? Keep reading to find out more.

 

Deal with debt

Unfortunately, for most of us, debt is something that eats into our monthly budget. For others, it can get out of hand, and so easily dominate it. Leaving very little behind for the little luxuries in life and the fun stuff.

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So what can you do? It’s not like you shouldn’t pay your debts! As aside from that being wrong it will also seriously affect your credit rating. Making it harder for you to get loans and the like in the future. Luckily, there is a solution, and it’s all about facing up and dealing with the debt you do have. It’s called debt consolidation, and you can read more about it at consolidatingdebt.co and sites like it. Basically, it is where you approach a debt management company to take on the multiple debts you owe, and instead of paying lots different amounts all through the month, you just pay one. Something that can end up working out a lot cheaper, leaving more money in your monthly budget for the finer things in life.

 

Shop the offers

The next way you can retain more of your budget for the end of the month, without having to work any extra time at all is to train yourself to become a savvy shopper. Something that is relatively easy to do in America. This is because so many stores have a voucher and coupon system for free and discounted products. In fact, it is a major marketing technique.


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This allows clever shoppers to collect multiple coupons that result in free items. Yes, free, in that they don’t cost a penny! Get savvy about your stores’ policies as well like the lady in this video at rashness.co does. As some give additional coupons like Catalinas, and allow you to double up the value of coupon on certain days. As well as awarding cash back if the coupon is for a higher price than the item. Yes, that right very occasionally you can earn money for shopping for free groceries!


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By shopping these items each week, you can easily build up a healthy stockpile, allowing you to cover your family’s need for very little money. That means you get to reclaim the month’s grocery shopping costs back into your budget.  Something that can be as high as $1000! Imagine what you could do with an extra $1000 each month, and all without being at work any longer. What are you waiting for?

Bargain Basement Renovation Hacks

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The basement is probably one of the most underappreciated rooms in your entire home. But there’s something rather special about the basement: usually, it’s also the only room in the house with no windows. Though that might not sound particularly desirable, it opens up new possibilities if you decide to renovate, transforming an otherwise dull space into an unusual alcove, different from anywhere else in your house.

Renovating a basement, however, is no easy task. It takes planning, preparation, and a little know-how to boot.

 

Expert Tip #1: Don’t Think Linearly

When it comes to basements, the possibilities are limitless. No, really!

Many basements are plagued by the need for supporting joists or structural elements, which many people think limits their ambition, preventing them from using their basement space as they’d like. But as it turns out, there are actually a number of ways of reducing the number of supporting poles which cover the space, without reducing structural integrity. It’s just a case of finding out what they are.

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According to Anne Higuera, a construction expert, people have more latitude than they think when renovating their basements. They can take out offending supporting poles while strengthening others. In fact, it’s entirely possible to totally remove any supporting joists in the interior of the space, so long as corner and wall struts are adequately reinforced. Higuera also says that space-consuming elements, like staircases, can be remodeled to take us less room or be moved altogether.

 

Expert Tip #2: Pick A “Basement Style”

Basements, thanks to their unique location in the home, have a fundamentally different feel to everywhere else. Whether it’s their lack of window (or high windows), their disconnectedness, or the fact that you can only reach them by going underground, they demand a new approach.

But how do you achieve a different “basement style?” One thing that works really well, especially if you have a contemporary or period-themed home, is to mix classical and modern elements together. Nothing screams “new space” more than a mishmash of different styles and forms, and this is precisely what eclectic basements do.

 

Expert Tip #3: Use Soundproofing

One of the great things about basements is that they are out of the way of the rest of the home. In practice, this means that you can theoretically have a party in the basement, and a baby sleeping soundly on the first, without the noise traveling upstairs.

But soundproof basements are by no means guaranteed. Just like other rooms in your home, proper planning needs to go into the process. Sound insulation in the ceiling can help, but so too can something called an RC channel which is effectively a long piece of metal that looks like a hat. It works by absorbing sound waves, even if they travel through the drywall.

 

Expert Tip #4: Banish Water

Because foundations are built into the ground, they can often suffer from damp or a rising water table. It’s crucial, however, to make sure that water is totally eliminated from the basement before you start installing decorations, soundproofing, and furniture, let alone make changes to the architecture.

So what can you do about waterproofing your basement? There is a technology called the hydraway waterproofing system. You can read about it here. Essentially, it’s a cost effective way to divert water away from your property, keeping it fungus-free. Today, the technology is used in foundation repairs up and down the country.

 

Expert Tip #5: Dig Down

 

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The chances are that your basement was never intended to be a living space. More likely than not, it was designed to store utilities, and that’s about it. Thus, if you’ve got lofty goals for your basement, you’ll want to increase the ceiling height. And the only way to do that, without knocking your house down and starting again, is to dig down.

Yes, it’s costly. But it also the only way to get rid of unsightly ductwork and piping that runs along the ceiling in the majority of basements. Ideally, you’d like both the floor and the ceiling in the basement to be flush, like every other room in your home.

 

Expert Tip #6: Get Rid Of Hazards

Before 1978, the date when using asbestos in residential properties became illegal, most basement pipes were sealed using the banned compound. Asbestos is hazardous and can lead to lung conditions years later, even if exposure is minimal. It’s certainly not something you want to be around in your basement, especially if you’re planning on spending any significant time down there.

The good news is that contractors are usually well versed in identifying and removing hazardous compounds that may have been used in the construction of your basement, like asbestos. Your best bet is to talk to them about your concerns before proceeding.

 

Expert Tip #7: Find Safe Exits

If you’re planning on renovating your basement, you’ll no doubt bump up, at some point, against building codes. There are several building codes you need to be aware of when altering a basement. The first is that the basement needs a safe exit route in case of emergency. Usually, this means that there needs to be an opening window that’s big enough to crawl out of. You may need to discuss this with your contractor, as they may be required to dig down the window well to provide an escape route up to ground level.

 

Expert Tip #8: Consider Waste Drainage

In above-ground rooms, waste drains from the home under the force of gravity. Toilet and shower waste travel through the drainage system and out into the wider network. With that said, basements present a new challenge. Because they’re below ground, waste often can’t drain under the force of gravity, unless you place things like bathrooms and sinks carefully.

If it turns out that the waste flows out below the level of the wider sewage system, you’ll need a pump that can raise household waste back up to the proper level. Otherwise, you’ll end up with a big septic tank and nowhere for the waste to go.

Cut Down The Cost Of Your Monthly Expenses

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We all know how daunting bills can be, especially when we’re juggling work life and Mommy life at the same time. It can be really hard to stay afloat when there’s so much to think about, but don’t worry – there’s always a solution.

Here’s how you can cut down the cost of your bills.

Unplug unused electrical devices

When you’ve finished charging your phone, you probably leave the charger in the outlet (like most of us do), but believe it or not this still uses up electricity even when your phone isn’t attached to it. The same goes for when you leave your tv on standby. So whenever you have finished with an electrical device – unplug it or turn it off properly.

 

Consolidate your loans

If you’re having trouble paying off any of your existing loans, it may be a good idea to consolidate them. This means taking out a final loan to pay off all your outstanding credits. That way you’re left with one sum instead of multiple different ones.

 

Sell a vehicle

If you own a car or a bike that you no longer use, why not think about selling it? Not only will you be getting money for it, but you will also be saving loads because you’re no longer having to pay tax and insurance – giving you a nice bit of extra cash to put towards that holiday you wanted.

 

Sell unused items

Have a sort through your clothes, or pluck up the courage to go through your garage and attic and see what useless items you find. Anything that you no longer use – sell. You can do this online or by word of mouth. Even if you don’t manage to sell as much as you’d hoped – any little helps.

 

Carpool to school

Instead of driving your child to school and back every day, while all the other parents do the same, consider carpooling. This is a brilliant way to save money, and the planet. What’s the point of four different cars going to and from the same destination when it can be done in one?

 

Change your light bulbs to LED

LED lights are eighty percent more efficient than the usual lights like incandescent or fluorescent, so change them if you haven’t already. Companies like hvac zone control maximize all their lighting systems so they work a lot more efficiently while saving you money as they go.

 

Use public transportation

Not only will public transport save you money on your gas, maintenance, and parking, but it is also a great way of saving the environment as you’ll be drastically reducing your carbon footprint. So the next time you get up for work, consider getting the bus there and back instead.

 

Cancel club memberships

If you have a gym membership that you are paying for every month, have a think whether you really use the service enough to be paying what you do. It’s important to prioritize, so if that means canceling your film subscription, or have some nights in on the weekend instead – so be it.

Getting Your Clean On: Quick And Easy Ways To Transform Your Home

We all know that cleaning isn’t always going to be our favorite job, unless, of course, you love it. But cleaning can be one of those chores on the to do list that we would rather avoid. Or at least be able to wave a magic wand and have our home transformed from messy to clean in seconds flat. But alas, there is no invention like that just yet, so we all have to schedule in the time to make sure that we keep our homes clean and tidy, by our own standards. Some people will keep a home cleaner than others. Some like the minimalist approach whereas others like some clutter and things. But, something we all have in common, is finding ways to transform our home quickly and easily. Which is why I thought I would share with you some of the techniques to consider.

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Give the carpets a clean

The carpets obviously cover a big surface area, so if they look a little grubby, it can have a knock on effect on the rest of your home, or the room in particular. So it may be worth focusing some of your efforts on cleaning the carpets. You could choose to do a light clean, perhaps maybe you could use a steam option to breath some new life into those carpets. A quick look online will be able to identify the best carpet steam cleaner for the job. You could choose to do something more hardcore, like a deep conditioning or shampoo treatment of your carpet. This may take you longer but could provide a more long-term result.

 

Declutter some of your unwanted items

Clutter can make a home appear untidy, and often we can get a little set in our ways with the items we have in our home. So now may be the ideal time to declutter your home for good. Utilising websites like eBay can help you to generate a little extra cash from your unwanted items. However, if they don’t hold too much value, then you could consider recycling the materials or donating to charity. It could make a big difference to your home by just having the things in it that you love, you want, or you need.

 

Dust those ornaments and the furniture

Dust can be a huge culprit for making a house appear more dirty and messy than it actually is. Perhaps in this instance, you may want to place some of your efforts into dusting the ornaments and furniture. Ideally, before you do any vacuuming so that you can clear up any aftermath, you create from the dusting session. It can help a home to appear, on the surface, far cleaner and tidier.

 

Clean down the surfaces each night

Finally, you won’t believe how clean and tidy your home can look by just clearing down the surfaces each day or each night. It could be as simple as loading the dishwasher, getting rid of unclean plates. Doing the washing up, or even just putting some of the plates and cutlery away. It also helps you to be more organized in the morning with fewer jobs to do from the night before.

I hope these tips help you to transform your home.

The Simple Green Living Guide

Lots of homeowners like the idea of going green and limiting their impact on the planet. Knowing where to start is a different matter altogether, and so it’s worth offering some simple tips and tricks today. With a bit of luck, anyone who puts these suggestions into action will end up with a property that doesn’t damage the earth more than is necessary. Readers might have to invest to use these concepts, but they will pay for themselves in the long run. So, pay attention and work towards making these changes as soon as possible.

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Go Solar!

The fastest and easiest way for anyone to limit their impact on the ecosystem is to switch to solar energy. The best thing about that idea is that the process doesn’t take long, and homeowners only have to purchase enough panels for their properties. If the system creates more power than the home uses, people will get a check from the energy companies at the end of the year. That money should help to reimburse the individual for the initial expense. Solar panels will:

  • Power the entire property without burning fossil fuels
  • Stay in working order for at least fifteen years

[Read more…]

Are Kids And Las Vegas Like Chalk And Cheese?

When you think about Las Vegas, you think casinos, nightlife and, well, frankly things that are unmentionable on this blog. And so it’s the last place you’d want to take the kids, right?

Wrong.

It turns out that Sin City does have a place for children. You just need to do your research. Kids and Las Vegas aren’t like chalk and cheese after all. Here are some hacks moms like you can implement to make your next Vegas family holiday a triumph.

 

Hack #1: Grab Free Entertainment

Las Vegas has its fair share of paid entertainment. But after your kids have spent money on the slot machines, you won’t feel like shelling out anymore. Trust me.

The good news, however, is that the city has a lot of free entertainment too. There are regular, free acrobatics performances at Circus Circus, as well as light shows at the Bellagio.

 

Hack #2: Walk The Strip

The Strip is the big road that travels right through the heart of Vegas. If you want to explore the city, it’s best to get out of the car. Being stuck in traffic on the Strip isn’t fun, especially given its proclivity for long traffic jams where it takes hours just to go a single mile. Save yourself the hassle and park up outside the center. Then walk along the Strip. It’ll be much more enjoyable, much less stressful, and much better for you too.

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Could Boundaries Be The Secret To The Perfect Family Christmas?

Can you believe it’s time to start thinking about Christmas? We say it every year, but time goes too fast. Your bank is only just balancing itself after the last time, and already it’s time to do it again. 116 days to be precise, but let’s not get caught up in numbers!

The good news is, there are ways to ensure your bank doesn’t take too large a hit before it’s ready. By putting boundaries on your family Christmas, you can make sure this year isn’t as traumatic as last. While you might want to lavish your kids with gifts, it may not be the best way forward. In fact, limiting how crazy you go is a better idea for a variety of reasons. And, we’re going to take a look at some of them here.

Saving money

The expense is often the hardest part about Christmas. The good news is that by limiting the amount you buy, you’ll put a cap on cost. Hence, you’ll find Christmas much easier to afford. Just like that, it’ll be a much less stressful time of year.

Of course, it’s easier written about than done. Many of us attempt to put unsuccessful caps on Christmas spending. To understand how to succeed in this mission, it’s worth looking at the main reasons for failure.

For the most part, we scrap our budgets somewhere around November because we get caught in the Christmas hype. But, overcoming that problem is as simple as setting strict limits on yourself. When you start your Christmas shopping, right a chart with your budget for everyone on it. Deduct the cost of every present you buy, and make sure to stop when you reach your limit!

The chance to buy quality gifts

Before you head out to buy the usual knick knacks no one wants, think again. Limiting your Christmas means limiting your presents. As such, you get the chance to put more thought into each gift you buy. [Read more…]

Don’t Wig Out.. Try this First

This is a sponsored post.  All opinions expressed within are my own.

I have been in search of gorgeous wigs for many years.  I started looking back when one of my family members wore them due to thinning hair.  Back then, you couldn’t find the quality or caliber of wigs that you see nowadays.

The following is an example of what you were able to find in the 60’s through approximately the 80’s.

 

These looked horribly fake, but were in “fashion” back in “the day.”  They were what you could find, and believe it or not, these were considered “high quality!”

Fast forward to now!  Gorgeous human hair, and synthetic wigs that are beautiful, and look truly natural!

[Read more…]

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