Tuesday, March 30

5 Moving Tips for a Smooth Move

As I sit in the middle of my living room full of boxes, I am inspired to share the tips that have helped to make my move smoother. 

Moving tips

  1. Stop major grocery shopping: Only purchase the absolute necessities and use up as much as your groceries as you can leading up to your move.  
  2. Have a labeling system:  Think about what will be easiest for you to know where boxes go once you are moving into your new home. I am labeling my boxes by the room they belong in. To make your labels stand out use name tags and place them on the top and side of your boxes. You can also color-code your boxes, yellow stickers for the kitchen, pink for the kid's bedroom, etc.
  3. Create a First Night Essential Box: The first night in your new home does not need to be spent searching through boxes to find that one item you need. Instead back a box of essentials for the kitchen and bathroom, as well a suitcase for each family member with clothing and personal items for the first week. 
  4. Leave your clothes on the hanger: Do not cause yourself more work by taking your clothes off the hangers. Instead, wrap them in a large garbage bag and skip on buying the wardrobe boxes, those things are not cheap! 
  5. Use Paper plates between dishes: Have you run out of ways to protect your dishes, please paper plates between each plate to keep them from scratching each other in transit. Then use the paper plates when you get to your new home. 

I'd love to hear your tips for a stress-free move! Please comment below! 


Friday, March 12

5 Tips to Help You Stick to Your Budget and Stretch that Dollar

Do you feel like there always seems to be more bills than money each month?  Use the following tips to stick to your budget and make that money last. 

  1. Budget All Your Income: All of your income needs a purpose. Whether it's bills or savings. Budgeting to zero doesn’t mean you spend every dollar you earn. Budgeting to zero will help you grow your savings and help you be prepared for the future. 
  2. Order Your Groceries Online: This tip not only saves you time but keeps you from buying unnecessary items or put things in your cart because you are hungry. This will lower your grocery bill because you'll buy only the necessities based on what you are cooking this week. 
  3. Check on Your Bills: Internet companies drive me crazy because they often increase your service costs without bettering your services. Set aside time every couple of months to call and check on discounts for bills like your Car/Home insurance, internet bill, phone bill, and other bills that tend to increase. 
  4. Track your Expenses: Track your expenses for 3 months. Once you have the information see where you are spending large amounts of money and decide if that area is worth that much money to you. For example, I no longer have cable TV because $59.00 a month for something I may have watched a few days a month just didn't make sense for me. 
  5. Use a Money-Saving Browser Plugin: I'm a huge fan of Rakuten because I earn money shopping online, and I absolutely love shopping online. It's easy to use and they even help you find coupon codes. 


Sunday, March 7

6 Savings Accounts You Should Have as an Adult

Savings and Budget ideas

I am a typical planner, and I like to think of all possible problems that could cause me financial hardship. So over the years, I have created savings accounts off my main account for specific purposes. The accounts accrue interest and are available if I need them in a pickle. I would suggest any adult think seriously about opening the following savings accounts in addition to their traditional savings account. 

  1. Insurance Deductible Savings Account-  If you ever need to make a home or car claim needing to come up with $500 to $1,000 could cause significant hardship. Instead, start an insurance deductable savings account. This way, if you need the funds for a claim, they are available. 
  2. Heat Pump or other Large Home Purchase Savings Account- If you own a home, you are bound to need to replace a heat pump or other large appliance. Instead of taking out a loan when the time comes, have money set aside for this purpose. 
  3. Medical Deductible Savings Account- We all don't want to think of a significant medical issue arriving, but if it does happen, this savings account with come in handy to cover the unwanted costs of a medical problem. 
  4. Travel Savings Account- Set up a separate checking account that's dedicated to travel. You can transfer money periodically into that account so that when you're ready to go on a vacation, the funds are already there.
  5. Christmas Savings Account- Christmas can be super stressful, but with a savings account for Christmas, you can save all year to lower your stress level with all the costs associated with dinners and gifts. 
  6. Car Savings Account- I don't know about your car, but my car senses with money is tight. With this savings account, those new tires won't sting so bad. 

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