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Home > Category: Saving Money
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Viewing the 'Saving Money' Category
November 20th, 2012 at 03:51 pm
Maybe it's true that kitchens and bathrooms are the rooms that sell houses, but when it comes to what rooms most directly affect the quality of your life, the bedroom has to be up near the top. If you aren't able to relax and enjoy restful sleep in your own bedroom, it won't take long before you find yourself discontent with the entire house and grasping for ways to improve your situation.
But don't assume that you're stuck with the bedroom you've got. There are ways to build a better bedroom, even if you're working with a tight budget. Read on for some tips to improve this private space without breaking the bank.
Focus on serenity
You want a better bedroom? Simplify the space. A serene and peaceful environment is key to getting a good night of sleep and being able to unwind in your room. Eliminate the television and stop using the bedroom as a multi-purpose room. Keep computers out of the bedroom as well. Instead, limit the space to reading, relaxing and sleeping. This will allow your body to unwind naturally, making restful sleep easier to achieve.
Consider different colors in the room
The colors of your walls and furniture could be subconsciously affecting your experience. If your bedroom is filled with bright colors, or colors that clash, they might not be effective in Text is putting your mind and body at ease and Link is http://www.hgtv.com/decorating/5-ways-to-make-a-bedroom-better-for-rest/pictures/index.html putting your mind and body at ease. Consider warmer colors, such as burgundy curtains and other cozy colors that fit your preferences. And make sure your walls and furniture go together as a cohesive package; more than anything, this will encourage relaxation.
Invest in new bedroom furniture
Mismatched bedroom furniture may have served a great purpose at one point in your life, but if you're looking for ways to improve your bedroom, a bedroom set is the way to go. Shoot for solid-wood dressers, vanities and bedstands, and always keep the color scheme of the room in mind. Bedroom sets may not be the cheapest investment you make in your home, but keep in mind that most retail furniture stores offer installment plans that can let you pay for the furniture gradually over time.
Install window treatments
Adding some fun window treatments in your bedroom can further the room's relaxing aesthetic while also serving to keep out intrusive light. This can improve the quality of your sleep and enhance the design and comfort of your room. If you're not up for buying window treatments, you can always turn them into a craft project and save considerably.
Upgrade your lighting
Lighting is often overlooked in a bedroom, but it can Text is change the feel of a room entirely and Link is http://www.ivillage.com/10-ways-make-bedroom-better-sleeping-0/7-a-219325 change the feel of a room entirely. Replace basic bedroom lighting with dimmers, track lighting or even holiday lights that can provide illumination from the cover of a dipped ceiling. These lighting alternatives give you greater control of how the lighting sets the mood in the room, giving you control over how the evening feels in contrast with the morning.
However you decide to renovate your bedroom, make sure your changes bring your room closer to your ideal respite from the rest of the world. You might not need to change every aspect of your bedroom, but meditate on your current comfort � or lack thereof � and brainstorm what changes will be most effective in increasing your satisfaction. Ultimately, you want to create a space that is quiet, controlled and relaxing to your senses. The perfect recipe is different for everyone, so make sure your plans suit your personal preferences.
Bio: Holly is an Indianapolis native with a knack for saving money. In her spare time, she enjoys blogging on behalf of brands she loves.
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October 30th, 2012 at 09:27 pm
If you aren't careful, cars can suck up money fast, and in a variety of ways: Through the up-front price tag on the car, the fuel efficiency, the cost of repairs and maintenance, even the risk of an accident. There are a variety of purposes a car can be used for, and depending on your specific circumstances you probably have certain features you value over others. But if saving money is a key consideration, you need to consider more than just the miles to the gallon.
With that in mind, here are some tips you can employ to cut down on the long-term cost of your car, giving you a quality ride at a bargain price.
Stick with the one you've got
It's tempting to Text is upgrade vehicles every few years and Link is http://financialplan.about.com/cs/cars/a/101Car.htm upgrade vehicles every few years, as newer models boast improvements over their predecessors and your own model gets worn down over time. But if it's still running well, there's no reason to upgrade this often. The costs of upgrading can add up quickly -- there's the difference in price, the continued auto loan payments and even the increased car insurance rates that come with a more expensive vehicle. The longer you can keep a car before sinking money into a newer model, the more you'll save in the long run.
Address maintenance issues promptly
Maintenance work is an obligatory aspect of owning a vehicle, and if you slack off or try to cut corners, it's almost certain to come back to haunt you. Oil changes, fluid flushes, tire rotations and alignments � all of these periodic maintenance measures prolong the life of your car by keeping its parts functioning at a high level. If you choose to ignore these needs, the effects could be extreme. Blown off oil changes, for example, could eventually lead to a fire or other engine failure, destroying it � and costing thousands of dollars in repairs.
Don't be cheap
Some parts of your car can be greatly benefited by your refusal to buy the cheapest parts. Tires are a great example; nicer tires last longer, pose a lower risk of blowing while driving, and improve your safety when driving. Along those same lines, good car batteries are often under appreciated, but they tend to last longer � years on end � and are less likely to go dead on you while you're traveling through the middle of nowhere.
The same goes for engine oil, fluids and certain parts regularly changed in your vehicle; the best way to save money, and prevent expensive complications, is to pay a little more up-front.
Join a carpool
The best way to extend the life of your vehicle is to cut down on unnecessary driving. For your daily commute, this means joining a carpool. Carpools Text is cut down on your daily fuel costs and Link is http://www.askmen.com/cars/car_tips/30_car_tip.html cut down on your daily fuel costs and preserve your car's precious mileage, helping it last longer. When it comes to carpools, the more the merrier -- at least in terms of how ride-sharing can extend the life of your car while lowering its expenses.
Of course, costs will be greatly determined by the type of car you own � a compact car will cost less in almost every sense than a sport utility vehicle � but no matter what car you drive, there are ways to save. Although it's tempting to view cars as a status symbol and a recreational item, that mindset can eat through your funds quickly. When it comes to saving money, it's best to value a car for its practical benefits and use that mentality to guide your spending.
Holly is an Indianapolis native with a passion for green living and saving money. In her spare time, she blogs on behalf of Sears and other brands she loves.
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October 11th, 2012 at 08:42 pm
Who doesn�t want to save money? With more money, you can afford to pay your monthly bills, go on vacation and pursue other activities your family enjoys. Several money-saving tips around your house are easy to implement and save you big bucks throughout the year.
Unplug everything
All those electronic devices you plug into the wall suck energy. Even when they�re turned off, they waste money. When you�re finished using your computer, fax, washer, television and coffeemaker, unplug them. Take inspiration from Rhondalyn, a consumer who Text is unplugged everything and Link is http://www.oprah.com/oprahshow/Money-Saving-Tips-for-Thrifty-Families/6 unplugged everything and saved over $200 on her monthly energy bills. If she can do it, so can you.
Switch appliances
While every appliance in your home uses energy, appliances are the biggest energy and money wasters. The next time you receive a bonus from work or need to replace worn out appliances, consider buying LG Appliances with an Energy Star rating. The investment saves you money in the long run, since these appliances decrease your home�s energy use.
Repair it yourself
Maybe you don�t see yourself as a handy person around the house. You can learn, however, to make a variety of simple repairs without help from an expensive contractor. Purchase a toolbox, borrow DIY videos or books from the library and figure out how to fix common problems around your home. The next time your garbage disposal breaks, the toilet leaks or the lawn mower won�t start, you�ll know how to fix it without spending a fortune.
Launder less
A necessity in any home, you can�t avoid laundry. You can make smarter laundry choices, though, that save you time and money while prolonging the life of your clothing. Start by washing your clothes in cold water instead of hot. This setting uses less energy, is effective and is gentler on your clothing.
Wash larger loads. Small loads waste water and energy. Also, wash fewer loads each week. If possible, wear your clothes more than once to save energy and cause less wear-and-tear on your clothing.
Finally, pull out clothes you can dry on on a line instead of in the dryer, and then combine loads. You save money and use less energy while restocking your closet with clean clothing.
Change the light bulbs
Switching to Text is energy-saver and Link is http://www.energystar.gov/index.cfm?fuseaction=find_a_product.showProductGroup&pgw_code=LB energy-saver light bulbs lowers your electric bill. Try CFLs and LEDs that require less energy to operate. Likewise, remember to turn off the light switches when you�re not using them. During the day, open the curtains and use natural sunlight. Your rooms stay warmer as you save money.
Flip off the TV
Instead of watching mindless shows on expensive cable or satellite television, cancel your subscription. Read a book, take a walk, play with your family and save money by simply flipping off your television.
Saving money makes sense. Try one of these simple tips that help you save money at home or discover your own ways of saving energy. You�ll feel less stressed about paying bills every month, and you�ll have more money to buy the things your family really needs and wants.
Holly Watson, who blogs on behalf of Sears and other prestigious brands, is a stay-at-home mom and former financial adviser. Making cake pops and training to run in her third marathon are two of her passions.
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September 26th, 2012 at 08:23 pm
Long before the bell ringers line up outside department stores, smart shoppers have already been planning for their Christmas shopping needs. Could you be one of them? With the right strategic plan, you could, realistically, get all of your shopping done before the Christmas carols hit the radio. By doing this, you will not only save stress, but also you will likely save money.
Shop all year
When you are out and about getting your groceries and toiletries, keep your eyes peeled for deals. You can be done with Text is Christmas shopping and Link is http://smallnotebook.org/2011/11/17/goal-get-christmas-shopping-finished-early/ Christmas shopping before school even starts in the fall if you pick up a few things throughout the year. Toys and other gifts regularly go on sale, and you will love having time in your schedule and money in your pocket when Christmas rolls around.
Using layaway
Layaway is becoming increasingly popular, as stores are dropping their fees for this service. Get the hot toy for your kids now, before it is gone, and stick it in layaway, where you can pay for it a little at a time until Christmas comes. You will be the star Christmas morning when your kids open the hottest gift, and you will be pleased knowing you didn�t waste a bunch of money by waiting until the prices soared right before Christmas.
Use sales
Sales are the best way to stock up on gifts to use at Christmas. Take advantage of some of the biggest shopping days of the year, like Black Friday and Cyber Monday. These are the times when you can score big-ticket items, like a television or hot gaming system, for a discounted price. If you have kids on your list, learn when the major retailers have their big toy clearances, and mark those days on your calendar.
Go early
Going early helps you avoid stress and feel successful as you do your Text is Christmas shopping and Link is https://www.manilla.com/blog/christmas-in-july-how-starting-early-can-help-you-save-on-holiday-shopping/ Christmas shopping. Going early doesn't mean one or two days; get out there well before the holidays are in full swing. This helps you find the biggest inventory and the smallest crowds. It can also mean heading to stores early on the days they are having sales. The earlier you shop, the more successful you will be at finding what you need this holiday season. In addition, you have all sorts of time during the season to spend time with your family and friends, without having to worry about whether or not you should be shopping.
Make a plan
As you are planning a shopping trip, make your plan strategic. Visit stores where you can get more than one gift, rather than traveling all over town to hit a bunch of individual stores. Head to the most important stores first on big shopping days like Black Friday, because you may run out of time to hit all of the stores on your list if the crowds and traffic are bad.
Go fast
One of the biggest downsides to shopping sales is the tendency to over-spend. When you see great deal after great deal, it is tempting to stuff your cart. This is not a good idea. To avoid this, make a list, check it twice and then stick with it. Get in the store, find your item and get out. This will make shopping less of a chore and will help you avoid spending more than you should for items you don�t really need.
If you do it early, Christmas shopping can go from dreaded chore to welcomed challenge. All you need is the right plan and the discipline to start before you feel the urgent need to shop. By doing this, you will take the stress out of this important yearly ritual, so that you can sit back and enjoy the magic of the holidays.
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