14 Tips for Lowering Your Rent and Housing Costs

by Chris Watts 07/05/2024

written by Chris Watts

We all need a place to live, so we all have to spend a portion of our income on rent or housing costs, and it’s fair to say that it probably eats up more of our budgets than anything else, but you know what? There are still savings to be made, so if the cost of housing yourself is causing your bank account to dwindle rapidly, here are some things you can do to save money in that particular area right now.

Negotiate Like a Boss

Table of Contents

First things first: if you don’t ask, you don’t get. When it’s time to renew your lease, don’t just accept the new rate without a chat. Arm yourself with research on local rent trends and come prepared to negotiate. If you’ve been a stellar tenant—paying on time, keeping the place in good shape—mention these points. Sometimes, landlords value a reliable tenant enough to think twice about a rent hike.

Buddy Up

If your landlord isn’t budging on rent, consider getting a roommate. Halving your rent could dramatically reduce your monthly expenses, and hey, you might make a lifelong friend—or at least have someone to binge-watch Netflix with. Just make sure you choose someone compatible and not your freeloading cousin who thinks “rent” is just a Broadway musical.

Look for Rent-Controlled Apartments

If you’re apartment hunting, try to snag a rent-controlled unit. These gold mines of the rental world offer protection against significant rent increases. It’s like having an economic shield against the volatile whims of the real estate market. Check local regulations to see how you can qualify for these types of apartments.

Consider a Longer Lease

Sometimes committing to a longer-term lease can persuade a landlord to lower the monthly rent. It’s a win-win: your landlord doesn’t have to worry about finding a new tenant for a while, and you secure a lower rent rate. Just be sure you really like the place, or you could be committing to a long-term relationship with that weird stain on the carpet.

Move to a Less Expensive Area

Okay, so maybe it’s not the trendiest neighborhood with a coffee shop on every corner. But often, just moving a few miles out can significantly decrease your rent. Plus, you might discover some hidden gems—like that mom-and-pop pizza place that blows your usual joint out of the water.

Sublet During Travels

If you’re often out of town for work or love to travel, consider subletting your apartment while you’re away. It’s a great way to recoup some rent money and justify that extra souvenir from Bali. Just check your lease agreement first and clear it with your landlord.

Barter for Discounts

Got skills? Use them! If you’re handy with repairs or have a knack for gardening, offer your services in exchange for a rent reduction. Many landlords appreciate the chance to have maintenance issues resolved without having to call in a professional.

Appeal Your Property Taxes

Homeowners, listen up! If your home’s property taxes seem through the roof, it might be time for an appeal. If you feel your house has been assessed at a higher value than it’s worth, gather evidence, and challenge it. Lowering your assessment can significantly reduce your tax bill.

Refinance Your Mortgage

With interest rates bobbing up and down like a yo-yo, keep an eye out for refinancing opportunities. Locking in a lower interest rate can reduce your monthly mortgage payment and save you a ton of money in the long run. It’s like a financial diet for your bloated mortgage.

Become an Airbnb Host

If you have a spare room or a second property, consider turning it into an Airbnb. This can be an excellent way to utilize extra space and earn additional income that can offset your rent or mortgage payments. It’s like having a side hustle without leaving the comfort of your home. Plus, you’ll meet interesting people from around the world right from your living room!

Take Advantage of Energy Efficiency Programs

Reducing your utility bills can also help lower overall housing costs. Many utility companies offer free energy audits, where a professional will assess your home for energy inefficiencies and suggest improvements. Additionally, investing in energy-efficient appliances, smart thermostats, and better insulation can lead to significant savings on heating and cooling bills.

Seek Out Housing Assistance Programs

For those who qualify, there are numerous government and nonprofit programs designed to help reduce housing costs. This could include rental assistance, subsidized housing, or affordable home loans for first-time homebuyers. Research local opportunities and apply for any programs for which you might be eligible.

Utilize a Housing Counselor

If you’re really struggling to make ends meet or just want to get better at managing your housing expenses, you should probably consider consulting with a housing counselor. These professionals can offer advice on buying a home, renting, defaults, foreclosures, and credit issues. Often provided at no cost, their expert guidance can help you navigate complex housing challenges and improve your financial situation from whatever point you are starting at.

Choose a Smaller Home

Last, but not least, you should consider whether you really need that sprawling estate, or whether you could live with a smaller home after all. Obviously, it may be harder to downsize if you have kids and pets and a whole big family thing going on, but most of us can cut our housing costs by simply choosing a smaller space, even if it means decluttering and getting rid of a few things. Ask yourself, whether you would rather have a huge house and an empty bank account or a smaller home and more money to live life with?

Whether you’re a renter or a homeowner, there are plenty of strategies to reduce your housing costs, and we’ve laid out some of the best above, so hopefully, you can get to grips with your rent and housing costs, and save money, once and for all.

07/05/2024 0 comment

Budgeting

How to Save on Vehicle Maintenance and Repairs

by Chris Watts 07/04/2024

written by Chris Watts

Photo by Erik Mclean on Unsplash

According to the AAA, the average motorist will spend $800 dollars a year on car maintenance, which is roughly $88 a month. While this is a necessary expense, especially as you cannot put a price on safety, it is something that many people struggle to afford – especially in the current climate.

Fortunately, there are many different ways in which you can save on vehicle maintenance and repairs while also ensuring that your vehicle remains roadworthy.

Know what to look out for

Table of Contents

When it comes to vehicle maintenance, the sooner you address an issue, the cheaper it will be to resolve. After all, this means that you’re not then giving a minor issue a chance to develop into a serious problem that could cause lasting damage to your car.

As such, you should carry out regular inspections of your car, keeping an eye out for the ‘warning’ signs of maintenance issues. For example, if you notice that your vehicle feels unsteady when driving (often described as a vibrating sensation), this could indicate that your tires are damaged.

Of course, you should also pay close attention to your vehicle’s warning lights. Remember, they are a key sign that something has gone wrong and must be addressed – not a suggestion that you can ignore, no matter how disruptive they may be. While this may seem obvious, 44% of drivers admit to failing to address warning lights immediately.

Learn some of the basics of car maintenance

While there are some maintenance tasks that you should leave to the experts, others you should be able to carry out yourself – therefore cuttting down on the costs associated with car maintenance and repairs.

For example, there are plenty of guides online that talk you through basic car maintenance tasks. This could include replacing your tyres, changing engine oil and filters, or replacing spark plugs. While this may seem daunting to begin with, they are relatively quick fixes, and you can then avoid the costs of taking your car into the garage.

In order to carry out these tasks to the best of your ability, you should consider investing in some basic car tools and supplies, such as:

A jack
Wrenches
Screwdrivers
Pliers
Jumper Cables

While this does require some investment on your end, there are plenty of ways to save money when buying these essential tools. For example, you could always buy them second-hand as opposed to brand new. They’ll still serve the same function, with the only difference being the amount of money you pay for them. In some cases, shopping online as opposed to in-store means that you can access exclusive discount codes, too!

Make an effort to drive safely

Making a concentrated effort to drive safely is another great way to save money on vehicle maintenance and repairs. After all, this reduces the chances of you causing any damage to your car. For example, you should avoid accelerating too quickly, as this can cause damage to your car’s engine or motor.

In addition to this, being a generally more cautious driver can lower the chances of being involved in accidents, especially those triggered by a lack of hazard awareness or attentiveness. (Fact: distracted driving is one of the key causes of car accidents).

Buy parts second-hand

Whether you’ve taken your car into a repair shop or are tyring to address the maintenance issues yourself, you can also save a considerable amount of money by purchasing car parts second hand. However, you should do plenty of research into the seller ahead of time to ensure that they are a reputable provider and that the parts have been thoroughly tested. This ensures that they will work efficiently without putting your health and safety at risk when you get behind the wheel.

Shop around for the best deal

Whenever you’re dealing with car maintenance issues, you’ll likely want to get them resolved as soon as possible so that you can get back to your normal routine. However, it’s important that you do not let this sense of urgency cloud your judgment by accepting the first price you are quoted.

Instead, reach out to different repair companies and garages to see who can offer you the best price. In some cases, you may also be able to set up a payment plan where you pay for the repairs or maintenance in instalments. While this does not make the overall price of car repairs cheaper, it does make it a lot more manageable, as you can spread the cost out over several months rather than scrambling to pull together an upfront sum.

Finally, you may also be able to bring the cost of car maintenance down by negotiating the price with the mechanic or salesperson.

Have your car checked over annually

Even if you have not experienced any maintenance issues and feel as though your car is in good shape, it’s generally advised that you get your car inspected by a professional at least once a year. This allows you to take preventative action to keep your vehicle running smoothly without interruptions! They’ll also be able to provide you with more insight into the steps you can take to look after your car.

Final thought

In short, there are numerous steps that you can take to cut down on the cost of car maintenance. From shopping for second-hand parts to learning how to carry out basic car maintenance yourself, all of the tasks outlined above can help you save money while ensuring that your vehicle remains safe and roadworthy.

However, it is important to remember that this is a task that is often worth investing your money in. After all, ignoring maintenance issues, no matter how minor they seem, will only result in costlier damages in the future, which, in some cases, could write off your vehicle entirely. Not only that, but a poorly maintained vehicle will also put you (and other motorists) at risk each time you get behind the wheel.

07/04/2024 0 comment

Budgeting

Budgeting 101: How to Manage Your Finances Effectively

by Chris Watts 07/02/2024

written by Chris Watts

Budgeting is considered one of those basic life skills that you’re supposed to learn as a child. But honestly, it’s not necessarily the easiest thing out there. You have to keep in mind that unexpected events happen, surprise costs creep up, and then there are impulses and emotions that compel you to buy something.

So overall, it’s not exactly the easiest or straightforward. But with that said however, this is a skill everyone needs. It’s not just about understanding it, but truly implementing it into your daily life. So, whether you want to save money, handle your spending habits better, or pay off some debt, here is exactly what you need to know on how you can make it happen!

Understand Your Income and Expenses

Table of Contents

That’s right, it’s all going to start right here, so before you can create a budget, you need to know how much money you have coming in and where it’s going.

Track Your Income

Start by listing all sources of income. This includes your salary, any freelance work, rental income, and other sources. Make sure to account for after-tax amounts to get an accurate picture of your take-home pay.

Track Your Expenses

Next, track all of your expenses for a month. This includes everything (yes, everything) from rent or mortgage payments, utilities, groceries, and transportation to coffee runs, dining out, and entertainment. So, there are different wants to go about this. You could look into using a spreadsheet, a budgeting app, or even a notebook to record your spending. But overall, you’re going to want to just categorize your expenses to see where your money is going.

Set Financial Goals

Having clear financial goals will motivate you to stick to your budget. So, you’ll need to think about what you want to achieve in the short term and the long term.

Short-Term Goals

Short-term goals are things you want to achieve within the next year. This could include saving for a vacation, building an emergency fund, or paying off a credit card (granted, this depends on how much debt you’re in).

Long-Term Goals

So, what about what you want to achieve in the long term? What would you like in the next five years? Next ten? These might include buying a home, saving for retirement, or paying for your children’s education.

Create a Budget Plan

Alright, so now you have an idea of your income and expenses, it’s now time to create budget. But where do you even begin though?

Choose a Budgeting Method

So, there are several budgeting methods that you’re going to have to keep in mind, and you can choose one of these (it helps to just focus on one) and start from there.

50/30/20 Rule: This is where you allocate 50% of your income to needs (such as bills), 30% to wants (such as dining out), and 20% to savings and debt repayment.

Zero-Based Budget: Every dollar is assigned a job, so your income minus expenses equals zero.

Envelope System: This one means you’ll actually have some physical cash on you. This system seems to be pretty popular, especially on TikTok. It’s all about allocating cash for different categories and spending only what’s in the envelope for each category. If you have physical cash on hand, you’ll be less inclined to spend it (except for needs); you’ll rather save it.

Allocate Your Income

Speaking of allocating your income, you should divide your income according to the budget method you’ve chosen. Make sure to prioritize essential expenses like housing, utilities, and groceries. Plus, you need to allocate funds for savings and debt repayment before budgeting for discretionary spending like dining out and entertainment.

Track Your Progress

Creating a budget is the first step! Yep, you read that right; it begins right there, but it’s just the tip of the iceberg. So, the key to successful budgeting would have to be tracking your progress and just making adjustments whenever it’s needed.

Review Your Budget Regularly

You’ll need to set aside time each week or month to review your budget. Actually, it’ll be in your best interest to compare your actual spending to your budgeted amounts and adjust your categories if necessary. This will help you stay on track and make informed decisions about your spending.

Use Budgeting Tools

It’s up to you if you want to do it the old-fashioned way with a spreadsheet, but it might be better to use apps like Mint, EveryDollar, or YNAB. These can sync with your bank account and credit cards to automatically track your income and expenses. This is not the only reason why it’s recommended to use an app; these will also help you out with insights and reminders—keeping you on track of your goals!

Learn to Cut Out Unnecessary Expenses

This one might be tough because your emotions will play into this, but if you want to save or even get out of debt, then you need to pay close attention to this one!

Identify Non-Essential Spending

Are you bad with impulse purchases? Do you dine out a little too much? Are you guilty of getting delivery more often than you should? What about subscriptions? Do you have subscriptions to multiple streaming platforms? Do you play subscriptions that you aren’t even using? Do you even have a gym membership you’re not using? You might be able to save a lot of money (as in changing your lifestyle) if you’re able to cut out what’s not essential.

Find Alternatives

You should be on the lookout for cheaper alternatives for your usual expenses. Why not cook out at home instead of eating out? Friends wanting to go out for a movie? Well, invite them to your place for a movie! Use public transport rather than driving. Overall, small changes can really add up to significant savings over time.

Now, Get to Saving!

While sure, these are a lot of steps, and yes, there’s a chance that some of the enjoyment of day-to-day life might be zapped away, in the end, it’s definitely worth it! Having financial solitude is significantly more worth it. Just remember, the key to successful budgeting is all about consistency.

07/02/2024 0 comment

Budgeting

How to Save on Home Maintenance and Repairs

by Chris Watts 07/02/2024

written by Chris Watts

As soon as you become a homeowner, you will be faced with more and more financial commitments and challenges. Not only are you tied to your regular mortgage payments, but you’re also in charge of home maintenance and repair costs too. Keeping up with these basic needs can be extremely stressful, especially if you’re particularly busy and struggle to find the time to keep on top of it yourself. Furthermore, if you’re working with a tight budget it upset you financially if you were to face an unexpected repair cost in your home.

When you think about home maintenance and repairs, your first thought is to probably outsource it to someone else right away. However, there is a lot you can do by yourself too. Although you may not be able to carry out the larger maintenance tasks, you can save money by putting in a little extra time and effort for the smaller jobs. Whether you’re fixing small leaks or repairing paintwork, you can undertake inexpensive jobs around the house and reduce your outgoings too.

With this in mind, let’s explore all of the different ways in which you can save money on your home maintenance and repairs in order to keep your monthly costs as low as possible.

Swaps Skills With Neighbors

Table of Contents

If you’re really skilled at woodwork and DIY, and your neighbor has experience with plumbing, why not skill swap? This is a very effective system for those looking to save money on costs as you will always have someone to turn to when you need them. Use your strengths to your advantage and make sure your neighbors are willing to repay the favor too!

Choose Local Maintenance Companies

It’s always a good idea to research local companies or handymen who offer their services to the community. This will likely cost you half the price than a large corporation or branded company. Seek out recommendations from people you know and open up your mind to working with people who are self-employed. This usually means that they won’t overcharge you and they’ll be honest about the cost of the initial repairs ahead of time too.

Buy Materials Locally

As well as using local maintenance companies to help you with your repairs, you may also want to consider buying your materials locally too. This means heading to your local hardware store for some cheap home improvement products. Look for the best deals at the time and save some of these items for when you really need them. You should also stock up on the basics for any emergency repair work too.

Know When to Outsource and When to DIY

When there’s a job that is clearly way out of your depth, you need to know when to take a step back and leave it to the experts. Trying to carry out a very difficult job by yourself may lead to higher costs and further damage, so try to be realistic about what you can actually do yourself.

Budget Carefully

When you have home repairs and costs looming over your head, it’s very important to be mindful about your budget. Getting everything done all at once simply isn’t an option for most people, so you need to create a timeline and prioritize the most important jobs first and foremost. Similarly, you need to understand how much money it’s going to take to repair and maintain your home. Usually, it’s sensible to set aside around 1% of your property’s value every year and put it towards improvements, repairs and maintenance. This will not only ensure that your home is in top condition, but it will also mean you’re never caught short when you need it the most.

Know When It’s Worth Investing

Even though you probably have a very clear budget, there are sometimes when it’s worth splurging on a repair because it will last longer. Comparing different prices from repair companies will give you an idea of how much it’s going to cost, but it will also provide you with options too. A patchwork job may lead to bigger issues in the future, so it may be worth getting something redone altogether to save yourself the stress and money in the future.

Form Relationships With Traders

Having a local electrician, plumber, joiner or pest controller on speed dial is going to serve you well in the long run. Forming good working relationships with these people not only means that they’re always on hand when you need them, but it also means you’ll get the best deals. If you continue to bring the same contractors back for jobs they’ll always be happy to help you and they can also remind you when the job needs to be done again in the near future!

Catch Problems Early

Waiting until a problem gets out of hand is going to cause major expenses for you and your family. Leaving something alone and brushing it under the rug won’t help you to save any money, in fact, it may cost more in the long run. Make sure you deal with any issues as and when they arise rather than leaving them too long. You’ll thank yourself for getting it done sooner rather than later!

Create a Home Maintenance Checklist

Every household will have a different home maintenance checklist to go through, so it’s a good idea to collate all of the important jobs so that you can stay on top of them. Some of the main upkeep and maintenance tasks on your checklist may include:

-Painting

-Plumbing

-Air conditioning and heating vents

-Roof repairs

-Windows and doors

-Rain gutters

-Electrical work

-Floors

-Pest inspection

-Smoke alarms and light bulb replacement

Final Thoughts

As you can see, there are a number of home maintenance jobs that you will need to stay on top of as a homeowner. There are also so many methods to keep your costs as low as possible so that you aren’t hit by unexpected bills at the worst possible time. Keep all of these ideas in mind as you work through all of your home maintenance jobs and you will soon feel organized, prepared and one step ahead!

07/02/2024 0 comment

Lifestyle

The Best Ways To Save On School Supplies

by Chris Watts 07/02/2024

written by Chris Watts

As the school year just wrapped up, now is the perfect time to start planning for the next one. It might seem early, but getting a jump on saving for school supplies can really pay off. There is no better time than now to tackle the shopping list for school supplies. Worried about the costs? Don’t worry; we’ve put together this list of tips to help you keep those costs down without skimping on the essentials. From upcycling old items to shopping smart, these tips will ensure you’re ready for the new school year without breaking the bank.

Embrace Upcycling

Table of Contents

Why buy new when you can redo? Grab last year’s half-filled notebooks and give them a fresh cover using leftover wallpaper or fabric scraps. Have broken crayons lying around? Melt them down into fun, multicolored shapes. This isn’t just about saving cash—it’s about creating something uniquely yours (or your kids!). Upcycling not only saves you money but also sparks creativity and gives a second life to items that would otherwise be forgotten in a drawer.

Swap Supplies With Other Parents

Think of this as a treasure swap. You’ve got something I need, I’ve got something you need—it’s a match made in heaven! This community swap meet can be a fantastic way to save on school supplies and keep perfectly good items out of the landfill. Plus, it’s a great excuse to catch up with other parents. Arranging a swap can be as simple as posting on a community Facebook page or organizing a meet-up at the local park.

Leverage Cashback And Reward Programs

Cashback apps and store rewards programs should be your go-to when it comes to back-to-school shopping. Sign up, keep an eye out for deals, and watch those savings stack up. Some credit cards even offer extra perks at educational stores, so make sure to put those to good use! It’s a simple way to get some money back on purchases you’d be making anyway, making this strategy a smart move for budget-conscious shoppers.

Shop At Unconventional Outlets

Dollar stores, thrift shops, and online marketplaces are some of the best places to shop for discounted school supplies. You’d be surprised at the gems you can find if you’re willing to dig a little. And don’t forget about office supply stores—check out their clearance sections for some unexpected deals. These places often stock items at a fraction of the cost compared to mainstream retailers, and with a good eye, you can find supplies that are just as good as what you’d get at a higher-end store.

Buy In Bulk

This one’s a no-brainer if you want to save on school supplies. Team up with other parents and buy wholesale. More supplies, less money, and you’re set for the school year. Who doesn’t love a good bulk buy? By splitting the cost, everyone involved gets a better price per unit, making this a win-win for all the families involved.

Invest In Quality Where It Counts

Sometimes, splurging a bit on high-quality items means you don’t have to replace them every year. Think about backpacks, calculators, and tech gadgets—getting the good stuff can actually be a smart move financially in the long run. Do your research, read online reviews, and invest wisely. High-quality products often come with better warranties and longer lifespans, which means fewer replacements and repairs down the line, ultimately helping you save money on school supplies over the years.

Use Technology To Your Advantage

There’s an app for just about everything these days, including saving money! Use apps to compare prices, snag coupons, and get alerts on sales. This digital approach can make a big difference in how much you spend. Many retailers will also price match if you show proof of a lower price elsewhere, which is where your smartphone comes in handy. It’s all about staying informed and ready to act when the prices drop, ensuring you never miss out on a deal.

Consider Generic Or Store Brands

Store brands have really stepped up their game and can be just as good as the name brands—but a lot cheaper! Give them a try and see which ones make the grade. You might just be pleasantly surprised. Often, the only difference is the packaging, and the inside product works just as well. This switch can dramatically reduce your bill without compromising on quality.

Plan And Budget For The Year Ahead

Get your planning hat on! Take stock of what you already have and what you truly need to buy. Keeping a budget can help you avoid those impulse buys that really add up. A spreadsheet or budgeting app can be your greatest tool here, helping you track every dollar and make adjustments as needed. This way, you won’t find yourself scrambling at the last minute, forced to make expensive purchases.

Utilize Community Resources

Many local organizations offer free school supplies to those in need. Check out what’s available in your area—schools, churches, and community centers often have programs designed to help you save on school supplies. These resources can be especially helpful if you find yourself in a tight spot financially. Participating in these programs can also strengthen community ties and support local initiatives.

DIY School Supplies

Get your kids involved and craft some school supplies at home. It’s a fun activity, and it can help you cut costs. Look up some DIY projects online and spend some quality time making something special for the new school year. From homemade pencil cases to personalized notebooks, there are plenty of creative ways to reduce spending. Plus, it gives your kids a sense of pride to use something that they’ve made themselves.

Take Advantage Of Sales Tax Holidays

Lots of states have sales tax holidays to help consumers get the essentials they need for a cheaper price. Things like school supplies, hurricane preparedness supplies, clothing, and more, are usually included in these tax-free days. This is a perfect opportunity to save on school supplies, so don’t miss out. Make a list, check it twice, and get ready to shop ’til you drop (without the tax)! Planning your shopping around these days can lead to substantial savings, especially on bigger-ticket items like electronics and backpacks.

Conclusion

So there you have it—saving on school essentials doesn’t have to be a chore. With a bit of creativity, some community spirit, and a lot of planning, you can tackle this shopping season like a professional. Remember, every little effort adds up, and before you know it, you’ve managed to save a bundle while ensuring your kids are well-prepared for the school year.

07/02/2024 0 comment

Lifestyle

How to Save Money on Pet Care and Supplies

by Chris Watts 07/02/2024

written by Chris Watts

When you make the huge decision of bringing a pet into your home, you must consider the costs involved. You might think that all they need is some food and a place to sleep, this isn’t the case. There can be plenty of hidden costs that come with owning a pet, any time of pet. These can range from vet bills to them needing certain types of foods. If you are wondering how you can save money on pet care and supplies then take a look below for some amazing wallet-friendly tips and tricks.

Discount Stores

Table of Contents

Who said that you need to shop at high-end stores to cater to your pet, nobody is the answer. Your pet doesn’t need the toy that costs $30 when they can get the exact same one for $10. Of course, some things are made slightly better and that is why they cost more. However, if your pet is a bigger dog then the toy will most likely get destroyed anyway. Shopping around can really save you a small fortune when it comes to kitting your pet out with everything they need.

Loyalty Programs

No matter which store you decide to use, check if they offer a loyalty card or scheme. Many shops will have a points based card system where each point can translate to vouchers or money off purchases. This can be a life saver, especially if you are short on money sometimes. You can usually keep track of your spending and saving on the app for the related store/card.

Food Suppliers

If you have a gorgeous dog at home who needs feeding then what are you feeding them? Many dogs prefer a raw food diet and this can be pricey. Shop around to find the best supplier, raw food is pretty much all the same. You might want to get it ordered and delivered from an online store, ordering in bulk can save money in the long run. The issue with bulk buying is what if your pet doesn’t like what you order and you have 20 of them to use? It is best to order samples first so you can clue yourself in on what your pet likes to eat and which brands they prefer.

Groom Them

Every animal can be groomed at home, you don’t need to pay out for fancy groomers to wash and comb your pet. Pet shops and online stores have everything you need to take care of your pet in the comfort of your own home. Paying out for these tools will save you money in the long term, for instance, each time you take your pet to the groomer could cost you upwards of $30. You can even get clippers to keep your pets nails short and trimmed.

Training Basics

If you don’t have money in your budget to use a professional trainer then the good news is you can do this at home. You may be worried that they won’t be able to socialize with other pets but that isn’t the case, you have got this. Start with the basics like listening to your commands, if you are training a puppy/dog. They can quickly learn who the boss is, you just have to be consistent. Professional trainers can cost you hundreds of dollars but if you have the time and patience you can do the same thing they do. Your pet is also more likely to respond to you as they know you better than a stranger.

Homemade Treats

It is common knowledge that pets can go through many treats, especially during the training stage of their life. There are many ways to save on these including buying in bulk from online stores, this can save you a few dollars each time. Alternatively, you could try making your own treats for your pets. If you have a dog then this could be sausage or a more healthier treat such as a peanut butter and fruit popsicle. If you have a cat, never fear there are tasty treats for them as well. You could try your hand at making tuna and catnip bites, they will absolutely adore these. Something to be mindful of when it comes to pet treats is that they shouldn’t make up more than 10% of their daily diet. Giving them more than this can lead to dietary issues and your pet being overweight.

Pet Insurance

One cost that can often shock people is the rising price of pet insurance. The key to this is shopping around and making sure you enter accurate details. The thing with insurance is you need to be checking how much they will pay out for various situations. For instance, with pet insurance they can pay you for a lost pet, vet bills, or even the death of your beloved animal. However, these will all be varying amounts so do your research and take your time before singing on the dotted line. Use a comparison site to find the best deal for you and your circumstances.

Vet Care

You might think that your pet will never need vet care but you’d be surprised by the mischief pets can get themselves into. For instance, if you have a dog then they can eat things they aren’t supposed to. They can get hold of anything, socks or even toilet rolls. If this happens then you will need to get them to the vets as soon as possible. The good news is, you can usually claim on your pet insurance for this. Vets can also offer bundles on new pets in your life, puppies or kittens for example. You can get vaccination and worming bundles where you pay one set price with everything included.

Preventative Measures

Lastly, one of the most important things to remember when you have a pet is that you should always take preventative measures. Kind of like babyproofing your home, you should think about how you can pet proof your house. This not only includes the indoor space but outdoor as well, pets like to roam so you don’t want them running off when you’re not looking. One way to avoid this is to ensure your backyard is fully enclosed.

07/02/2024 0 comment

Tech

How to Find the Best Deals on Electronics

by Chris Watts 07/02/2024

written by Chris Watts

Everywhere you look, electronics play a part of your day. You use them to work, to talk to friends and even to doom scroll on social media and YouTube. You use them to keep your house locked up, your car parked safely and your home at an optimum temperature. Electronics really do play a big part in our world, but finding the best deals requires you to be a savvy shopper who knows where to look.

Whether you’re shopping for a brand new gadget for the house or you’re looking to upgrade the gadgets you already have, you should think about how you find the best deals so you’re not overpaying. Below, we’ve got a list of strategies that you can use to help you to find the best deals.

Compare on shopping websites

Table of Contents

There are so many websites out there that you can use to compare your electronics before you buy them. Even Google Shopping offers you the chance to compare prices across more than one retailer, allowing you the chance to see the best possible deals for the electronics you’re looking for. All you have to do is enter the name of the product you’re interested in, and you can see a range of sellers who have products available for you. Always check for shipping costs, too, so that you can get the price comparison as accurate as possible.

Check your email

If you’ve ever signed up for retailer newsletters or website alerts, you’re going to find that they throw deals into your inbox on an almost daily basis. Signing up for newsletters from your favorite stores is also going to give you access to early bird deals, discounts and more. There are usually sales codes and coupon codes that are sent ahead of a holiday and you can benefit from these by signing up to get your product as soon as you see them. When specific products that you have your eye on go on sale, you’ll be able to access those benefits – and all because you checked your email.

Flash sales

Keeping an eye on the websites your electronics pop up on for flash sales is a great idea if you’re shopping for electronics. Let’s be honest, electronics aren’t cheap, so you want to make sure that you can get as much money off of them as possible. Plenty of shopping sites have ‘daily deals’ segments that can list off some of the deals of the day and you can take advantage of those, too. Flash sales will often last for a short period or until the inventory runs out, so they are regularly limited.

Buy refurbished

There are plenty of manufacturer refurbished items that you can buy that are in excellent condition. Consider purchasing refurbished electronics to save some cash and as it’s been refurbished, you won’t have to compromise on the quality, either. These are electronics that have been repaired and retested to ensure that they are like-new, meeting the right standards with warranties attached. Open-box items are often returned products that are resold after inspection at a discount. The bigger the brand you buy refurbished, the better the condition the electronic item will be in.

Seasonal sales

Everyone loves Black Friday sales, right? You can find the best deals periodically through the year released before big holidays and major shopping events can often give you the best deal. Amazon Prime Day, Black Friday and Cyber Monday are just a handful of the seasonal sales days. Winter sales, Summer sales and Easter bargains often knock huge amounts of money off the original pricing and that can give you an amazing deal no matter the electronics you pick.

Cashback and reward programs

If you can take amazing advantage of cashback and reward programs from your credit cards and even from your retailers. Plenty of credit card companies will offer cashback on purchase that include electronics. These add up to huge savings over time and they’re worth the initial investment. When you combine these programs, you can take even more money off your electronics, too. Some of the credit card and retailer loyalty programs out there will reward their frequent shoppers, too.

Haggle the prices down

There are some electronics retailers who will offer you the chance to haggle the price down. Some retailers will tell you that they will happily match prices to other retailers if you find their item cheaper elsewhere. You might not always get told yes, but it’s worth asking whether there is wiggle room for a little bit off the price. If you have proof that their competitor is offering an item for less, you’re more likely to be told that you can have a discount.

Student/employee discounts

If you are a student and you hold a student card, or you’re an employee working for a certain business, you may be eligible for discounts on your electronics. Retailers will often offer special pricing for students, especially buying electronics related to studying. Check with your school to see what’s on offer and see whether or not you qualify for these discounts. When you do that, you’ll be able to take advantage of them!

Clearance items

Going to local electronics stores and looking at their clearance electronics will help if you’re looking to find some great deals. Don’t overlook those clearance sections in electronics stores, either, because you might find that their deals come with the fact that there are newer options being released. Open-box items, floor models, last year’s models and more will all be knocked down in price and that allows you to catch a great deal when it becomes available.

Read reviews from purchasers

If you want to make sure that you’re getting the best deals on electronics, check out the reviews from previous purchases. In the same way that you’ll trust a review for a vacation, trust people’s opinions on their electronics. You can bet that they’ll have something to say whether good or bad and that can give you a realistic idea of what you’re getting.

07/02/2024 0 comment

Lifestyle

The Best Ways to Save on Travel Expenses

by Chris Watts 07/01/2024

written by Chris Watts

Needless to say, traveling is one of life’s greatest joys. It gives you an opportunity to try authentic dishes, see new sights, and experience cultures that you wouldn’t necessarily been able to other wise. But it can also be a significant drain on your wallet too. But the good news is that it doesn’t necessarily need to be expensive. Actually, all it really takes is some smart choices, and that’s really the best way to make your dream vacation more affordable. So, where do you even begin?

Be Flexible with Your Travel Dates

Table of Contents

Out of all the tips on this list, this one is actually going to be the most important! But it’s also going to be the most simplistic one. Basically, if you’re willing to be flexible with your travel schedule, that alone is going to help with saving some money. Airline prices can vary significantly depending on the time of year, the day of the week, and even the time of day. Traveling during the off-peak season, mid-week, or booking flights for early morning or late night can often result in significant savings.

But when is peak season? Well, for most destinations, it’s going to be in the summer because that’s when school is out, people want to do outdoor activities, and employers usually allow their employees to have a vacation, too. Plus, this is usually when airlines offer more flights and tourist destinations (businesses included) are open to tourists.

However, the winter months, such as the holiday season, can be considered peak season too- especially in major cities or places with mountains for winter sports. Additionally, keep an eye on fare comparison websites and set up alerts for price drops. Websites like Skyscanner, Google Flights, and Kayak can help you track fare changes and find the best deals.

Choose Budget-Friedly Destinations

Is this one obvious? Sure, but it’s something that every vacationer should know about because you shouldn’t have to feel like you’re always limited to where you can go. So, not all destinations are created equally. Some places offer incredible experiences without the hefty price tag.

You may want to consider traveling to countries where your currency is strong or where the cost of living is lower. Southeast Asia, Eastern Europe, and parts of Central and South America are known for being budget-friendly while offering rich cultural experiences.

Use Alternative Accommodation Options

Hotels can be one of the most expensive parts of traveling, but there are many alternatives that can save you a lot of money. So why not consider staying in hostels? These aren’t just for backpackers anymore and can offer private rooms at a fraction of the cost of a hotel. You could even look into aacation rentals like Airbnb or Vrbo can also provide more space and amenities for less money, especially if you’re traveling with a group.

You just might want to compare prices first because Airbnb fees can really eat up the budget (and then you still have to clean, or you’ll get fined). But is that all? Well, you could even look into house-sitting or home exchange programs, just like that movie The Holiday. Websites like TrustedHousesitters or HomeExchange allow you to stay in someone’s home for free in exchange for looking after their place or swapping homes.

Save on Food and Drinks

One major mistake (and assumption) people make when going on vacation would have to be thinking that they need to go out to eat. Actually, eating out for every meal can quickly drain your travel budget. It might be better to go to the grocery store or even look into an accommodation that has a kitchenette so you can save some money. When you do eat out, be sure to look out for local markets and street food vendors.

Use Travel Rewards Programs

If you travel frequently, it pays to join travel reward programs. There are plenty of airlines, hotels, and credit cards out there that offer loyalty programs that can earn you points or miles for every dollar spent. These points can be redeemed for free flights, hotel stays, and other travel perks. Just be sure you’re keeping track of your points and look for opportunities to maximize your rewards. Some credit cards offer sign-up bonuses or double points for certain purchases, which can help you accumulate points faster.

Plan and Book in Advance

Now, you have to keep in mind that last-minute bookings can be expensive, so try to plan and book your travel arrangements as far in advance as you can. This includes flights, accommodations, and any other activities or tours you’d like to do.

Plus, early booking often comes with discounts and ensures you get the best options available. But it’s also worth checking for last-minute deals if you have flexible plans. Sometimes, airlines and hotels offer significant discounts to fill unsold seats or rooms at the last minute.

Be Mindful of the Currency Exchange Rate

Whenever you’re traveling internationally, you’re definitely going to want to keep a close eye on the exchange rate. So it’s best to do some research on this to find out what the best rates are. Also, do what you can to avoid exchanging money at airports or tourist hotspots, where rates are typically less favorable. It might even help to use a credit card that doesn’t have any foreign transaction fees to help you save on the currency conversation.

Now Go Out and See the World!

Traveling on a budget doesn’t mean you have to sacrifice comfort or enjoyment. Just by being flexible and doing the right research, you can take advantage of cost-saving strategies. You’ll be able to have an amazing time, all without spending a fortune, either! So, just remember this: the best memories often come from the experiences you have and the people you meet, not from how much money you spend (granted, it helps).

07/01/2024 0 comment

Budgeting

Budget Friendly Home Improvement Ideas

by Chris Watts 07/01/2024

written by Chris Watts

Home improvement doesn’t have to cost an arm and a leg! With some sweat and imagination you can upgrade your space without breaking the bank. Here are some budget friendly home improvement ideas that will make a big impact.

Paint power

Table of Contents

First off, a fresh coat of paint can do wonders! Paint is one of the cheapest ways to improve your home and give your furniture a new face lift. Pick colors that speak to you and see how they brighten up your rooms.

Pro tip: Use top quality brushes and rollers for a smooth finish.

Lighting

Lighting can completely change a room. LED lights may be more expensive upfront but will save you heaps in the long run. Mix up your lighting with ambient, task and accent lights to make your space warm and inviting for friends and family without breaking the bank.

Fixtures and fittings

Swapping out old hardware like drawer pulls, cabinet handles and door knobs can give your place an instant update. It’s a quick and easy project that doesn’t require many tools or skills. Thrift stores are great for finding one off vintage pieces. Online stores are also a good option for affordable options.

When choosing new hardware make sure it matches your home’s style. Measure the existing hardware so the new pieces fit the existing holes so you won’t have to do extra drilling or patching.

DIY Magic

DIY shelving isn’t just practical, it’s a game changer for adding storage and personality to your space without breaking the bank. With a few basic tools and materials you can make shelves that fit your room like they were made for it (because they will be!). Get inspired online, watch a few tutorials and let your imagination run wild with designs and finishes that match your style.

Floating shelves are a winner for a reason; whether you like the rustic charm of reclaimed wood or the clean lines of a painted finish they instantly elevate any room. Remember to use wall anchors to secure your shelves especially if you plan to load them up with your favorite heavy treasures.

Backsplash makeover

Updating the backsplash can make a big impact. Peel and stick tiles are a great DIY option; they’re easy to install and come in many styles to suit any decor. For those who prefer traditional elegance watch for sales or clearance online where classic subway tiles can often be found at discounted prices. Online tutorials will guide you through the installation process for a professional finish.

Outdoor makeover

Updating your outdoor spaces can really upgrade your home in so many ways. It’s not just about making it look nicer; imagine having more space to relax, entertain friends or just hang out with family. It’s like adding another room to your house but with fresh air and sunshine!

Plus a well designed outdoor area will make your whole property feel more functional and enjoyable all year round. And let’s not forget about curb appeal; making your home look good from the outside can also increase its value. Simple additions like new plants, a fresh coat of paint on your patio furniture or DIY garden decor can make a big impact. Look for deals at garden centers and home improvement stores and online for creative and affordable landscaping ideas.

A small vegetable garden or herb planter can also add beauty and functionality to your outdoor space and save you money annually. Whether you’re creating a cozy spot to relax, setting up an outdoor kitchen or planting a beautiful garden, investing in your outdoor space will update how you live and make your home feel more special.

Declutter and Organize

Clutter can make any home feel crazy and cramped but tackling it doesn’t have to. Start by assessing each room and identifying items you no longer need. Donate or sell these items to clear up space and possibly make some extra cash. Sell items online or host a garage sale to get rid of unwanted items.

Crown Molding

Adding crown molding to your rooms will give them a finished and elegant look. This is a relatively cheap project you can do yourself with basic tools and materials. Look for tutorials online and check for deals at home improvement stores and lumber yards.

Crown molding comes in many styles and sizes so choose one that suits your home’s architecture. If you’re new to carpentry consider using pre-cut corner pieces to make the installation easier. Painting the molding before installation will save time and give a cleaner finish.

Refinish or Paint Old Furniture

Instead of buying new furniture, consider refinishing or painting what you already have. This will give your pieces a fresh new look and save you money. Look for cheap paints and finishes at hardware stores and thrift stores or online for furniture to transform.

Sanding down the existing finish is key to ensure the new paint or stain adheres properly. Consider using chalk paint for a matte, vintage look that requires minimal prep work. Adding new hardware or upholstery will also give your furniture a whole new look. Take your time with each step to get a high quality finish that will last.

Feature Wall

A feature wall will add a focal point to any room. You can do this with paint, wallpaper or even removable decals. Choose a wall that stands out in the room and select a design or color that matches your decor. There are plenty of online tutorials to get you started and you can find affordable materials at paint and wallpaper stores.

For a bold statement consider using a bright or dark color that contrasts with the rest of the room. Textured wallpaper or 3D wall panels will add depth and interest. If you’re renting removable wall decals or temporary wallpaper are great options that can be removed without damaging the walls.

Conclusion

Improving your home doesn’t have to cost an arm and a leg. With these budget friendly ideas you can make big changes to your living space. Remember to shop smart, look for deals and don’t be afraid to get your hands dirty with some DIY projects. Happy renovating! You’ll not only increase your home’s beauty but also its value all within budget.

07/01/2024 0 comment

Budgeting

How to Reduce Your Car Insurance Premiums

by Chris Watts 06/27/2024

written by Chris Watts

If you are struggling with your bills each month then you may be wondering where you can save some money. Cars are not the cheapest thing to own in the world but for some people it is absolutely necessary. Insurance providers know this, and as it is a legal requirement in most areas then they often sting you with monthly insurance premiums. If you are wondering how you can lower these premiums then take a look at the article below.

Shop Around

Table of Contents

One of the first things you need to do if you are paying too much for your insurance is shop around different providers. You would be surprised just how many people stay with their providers despite the costs gradually increasing. There is no need to stay with your insurance provider unless they are giving you some of the best rates on the market.

Don’t be afraid to do a quick check to see if you could save some money each month. You could do an individual check if you have a company in mind or you could use a comparison site. Comparison sites will take all your information and give you some of the best quotes around. Certain providers may even offer you a reward for taking your services to them, a gift card is a popular one. It can seem pretty arduous to enter all your details each time but shopping around using this method can save you a small fortune.

Bundles

Something else to consider if you want to save money on your insurance is bundling different deals. You might already be paying for separate policies with different companies, there is no need to do this and you could combine them. For instance, if you have home insurance and car insurance then give your providers a call to see how much it would cost to have both with them. Many insurance providers will give you discounts when you have one or more policies with them, this could save you up to 25% on the total cost. The best thing about this other than saving money is that your policies and premiums are all in one place.

Defensive Driving

If you are wanting to cut your costs even more then how about looking into a defensive driving course. This type of course can save around 10% on the cost of your premiums. You will have to ensure you go through an approved provider otherwise you may not save anything. At times, you can even use these courses to avoid tickets and points on your license from speeding. You will learn many tips and tricks on how to become a better driver upon completion of the defensive driving course. This course is typically used by new drivers and those aged over 65.

What Vehicle

Before you head out and buy yourself a new car, it is worthwhile checking how much your insurance premiums will cost. There may be a few different cars that you want to take a look at and the deciding factor might be the one that saves you the most money each month. It might seem long but it is certainly worth checking before you part with your hard earned cash. It might shock you as to which cars make the cheapest premiums list. At the top of the list we have Subaru, Honda, Mazda, Hyundai and Toyota. So if you like any of these cars then they are a pretty good option for saving money and having low premiums.

Check Discounts

Many providers will offer a whole host of discounts when it comes to insurance premiums, these could save you a big chunk each month. For example, if you have been with the same provider for many years then you could be eligible for a loyalty discount. If you are a great driver and your record verifies that then you could end up saving around 40% on your premiums, this is a huge amount. If you are wanting to save a bit of money on your monthly costs then consider having a black box fitted to your car. Obviously this won’t work if you are a bit of a boy racer as it monitors how well you are driving and gives you insight into how you can improve.

Something else that can save you money on your insurance is how well you secure your car. If you use a feature such as an anti-theft device then you could end up saving around 30% on your costs. A few companies also offer discounts if your vehicle comes with anti-collision technology built into your car.

Pay Per Mile

Another thing to consider, especially if you drive less than 10,000 miles annually is a pay per mile policy. You will need to have a small box installed into your car that proves how much driving you are doing each year. You don’t want to be telling your insurance company you do less miles than you actually do, this could land you in hot water. To put it simply, the less you drive then the less you will pay. However, there is a small monthly fee for this type of insurance cover.

Speak To The Experts

Finally, if you are still unsure as to where you stand with your insurance premiums then don’t be afraid to ask the experts for help. This could be in the form of calling or web chatting with your provider. You can ask any questions and they will help you have a greater understanding of the levels of insurance, what you are covered for, how much it will cost, and how much it may rise by in the following years. There are also FAQs on every provider’s website, so check these out as well.

We hope you found this article useful and that it gave you some helpful insight into how you can lower those car insurance premiums. Don’t be afraid to shop around and move around different providers if it means saving a few dollars. The money you save soon adds up and can be put towards other things you want or need.

06/27/2024 0 comment

Newer Posts

Older Posts