Category Archives: Home Savings
Everyday items found around the home can yield some surprising uses. “We often see innovative ideas within the homes we show and sell that take otherwise mundane household items to new levels,” says Lincoln Thompson, a broker-owner with Royal LePage Gardiner Realty in Fredericton, New Brunswick. “Many of these ideas can come in handy for sprucing up the home at selling time too.” Thompson curates an A to Z of helpful home hacks:
Benjamin Franklin once said “a penny saved is a penny earned” and to help you save more than a few pennies around the home and garden, below are a number of money saving tips – many of which require minimal effort on your part.
The psalms of the Bible are a literary treasure chest of prayers for prosperity. Below is a list of which psalms to recite for common financial requests. In some Catholic and Santeria traditions, you say the prayer or write the prayer out after lighting a candle. You may also recite the prayer as many times as you want to transform it into a kind of a mantra.
Real budgeting tips are very sought after to make those grocery dollars go far enough to feed your family.
Are your electricity bills shocking you? Take a look at our 10 best tips to deal with this issue and you will move a step closer to lower bills this summer.
When your income goes down for any reason, or just because you want to live more economically, there are many simple ways to save money. Some of these are very obvious, but it’s surprising that we don’t really practice them until we have to.
Cutting costs doesn’t have to be complicated. There are many small, daily steps you can incorporate to save money. These small changes gradually become a comfortable part of your lifestyle, and you will find that your expenses have probably gone down quite a bit. Sometimes all it takes is paying more attention to where your money goes.
After mortgage and rent expenses, food is typically the largest monthly expense for a family of five. And since your mortgage and rent are fixed it makes sense to focus next on your food expenses. With a little planning and preparation, it is easy to lower your food budget and happily feed your family. Here are some household budget tips on how to get started.
Challenging economic times inspire people universally to make wise financial decisions. One culture that has always lived an austere, yet meaningful existence is the Amish. Increasingly, people are inspired by their lifestyle; and seek ways to simplify their own lives.
Here are 5 things you can do to successfully reduce your home energy consumption and save money in the process.
Although you may not realize it, simple table salt has a great number of uses other than simply seasoning your food. The following list will give you sixty uses of salt, many of which you probably didn’t realize:
One great way to save money on paper towels is to use rags more frequently. In this article, I’ll briefly describe how to cut rags to get the most efficient use out of them.
The average American often feels overwhelmed by debt and doesn’t know where to start or how to go about getting out of debt.
I do something that most people think they can’t do today. I feed my family of 5 for $300 a month. Most people say that’s an impossible feat, but what boggles minds even more is that I do it without using coupons.
The grocery store is full of delicious items that may all seem tempting to buy however use these tips to keep your costs down and not purchase more than you need.
It’s that wonderful time of year that lightens your heart and fills your soul with peace & tranquility. No, I’m not talking about Christmas! I’m talking about school starting!! Yes! Yes! Yes!
One of the easiest ways to save money on your grocery bill starts before you even leave the house. It’s no extra work, you don’t have to deprive yourself of anything and you don’t have to clip any coupons. What is it? Stop wasting food.
As one of the oldest children in a family of nine, I know that cooking for a crowd can almost be a full-time job. Once-a-month-cooking has been a lifesaver for our family. In the beginning though, when we first heard of cooking 30 meals in one day, it sounded rather impossible. It was not until we had tried it, though, that we found it is not only possible, but it can even be quite simple and fun!
The economy is tanking, grocery bills are climbing and food safety scares are on the rise. For the 43 million Americans planning a vegetable garden this spring, growing your own is a matter of dollars and sense.
If you find that back to school preparation throws your finances out of balance, try these tips to help bring back to school costs back within your budget.
1. Holiday Gift Giving
This tip is especially helpful for large families. Although it is fun buying for and receiving from everyone, it can be very expensive. Make an agreement with your family that you will continue to buy for the children but that the adults will go with a name exchange. This way the children are not disappointed and you can spend a little more on one or two people rather than spreading your money thin. For the members that you did not pick to exchange with, bake a loaf of their favorite homemade bread or cookies.
As a single mother of two, I started my own home business without any capital and paid off $35,000 debt in 5 years on $1,000 a month income. I am often asked what are the top lessons I would give a family or even a single person who is dealing with a tight budget. Here are my top tips for living on a small income.
Spring cleaning is a wonderful accomplishment. Everything’s fresh and clean. Doesn’t it feel great? But what do you do with all those odds and ends unearthed from your closets and the back recesses of the garage?
Making a few extra pennies by holding a Garage/Yard Sale could be just the ticket. After a number of successful sales over the years, here are some of my favorite tips for making the most of your time and effort:
Money saving tips that are sure to bring your clothing budget down!
Deodorize shoes or sneakers — Place a sheet of fabric softener in your shoes or sneakers overnight and they’ll smell great in the morning.
Stop a run in nylons — Paint the snag immediately with Clear nail Polish.
Deodorize sneakers — Fill the feet of knee high hose with unused cat litter, tie the ends and place inside sneakers overnight.
Does it seem like it’s getting harder to stretch your paycheck to cover all your bills? With gas prices approaching $4 a gallon and food costs increasing every day, now more than ever it is important to make sure you have control of your finances.
Easier said than done. With all the financial advice out there, it is easy to become overwhelmed with where to begin. Step one to getting on the right track is simple: Develop a personal budget.
Spring Cleaning is a wonerful accomplishment. everything is fresh and clean. The house is decluttered. But what do you do with all those junky doo-dads (I mean “treasures”) rescued out of the closets and garage and now need to find new homes? Making a few extra pennies by holding a Garage/Yard Sale could be just the ticket.
The other day I was asked one of the most common questions that people ask me. “Where do I start to get out of debt?”
I keep asking myself, “Has the world gone crazy?” What are people talking about when they say “these hard economic times?”
Common sense tips to help you save.
Think of savings as an expense. When you pay bills, write your first check to savings. A rule of thumb is, to pay yourself 10% of all your income first before any other bills.
At this time of year, there are usually three things people are panicking about: how to lose weight, how to save money, and how to get organized. We have already touched on losing weight so this week I would like to touch on saving money.
I was just watching a show on budgeting. I had to chuckle when watching it because the woman on the show was going into great detail about making charts, tracking your spending and savings and lots more. Even I, who have a good grip on my spending, was getting overwhelmed with all the things said a person needed to do to get out of debt.
So you want to become wealthy? While there is no single road to getting there, it’s a sure bet that one principle is in place for those who keep their wealth over a lifetime.
My husband and I paid off $20,000 in debt and medical bills in five years on $22,000 per year averaged income, and I am disabled with Fibromyalgia and ME/Chronic Fatigue Syndrome. Here are some of the ways we lived frugally and made it work:
Few things strike more fear into the hearts of people than setting up a budget. We all know we need one, a few of us actually have one, and fewer still manage to live within it. Why is it so intimidating?
We are getting e-mails and it has been all over the news – “What do we do? They are rationing rice!!”
Various ways to keep cool in summer without using an air conditioner. Alternatively these tips can be used to make an existing air conditioner more efficient.
1. There are two kinds of garage sales – the ones where people want to make money and the ones where people want to get rid of stuff. The object is to find the ones where people want to get rid of stuff.
Have you ever been so stressed out moving that you wondered if the easiest way to pack was to get a gallon of gasoline and a box of matches?
Moving can be a stressful time for everyone involved, but don’t make it more stressful than it needs to be. Just getting started is the hardest part. Here are few tips to point you in the right direction.
When people ask me about getting out of debt, they often ask “Doesn’t it take quite a bit more time to be frugal?”
Like to exchange that gold mine of junk in your basement for a fistful of dollars? You can, by holding a garage sale.
You don’t necessarily need a garage to hold a garage sale, but you do need to know the secrets of success. Some careful planning will assure you of a successful sale.