Post Top Ad

09:56:00

Saving more money can be as simple as these 8 easy steps

by , in
There are many excellent reasons to start saving more money, such as buying something special like 
a one-time vacation, updating your home’s exterior, or sending a larger amount of money to family 
members. To save money is sometimes a difficult task to accomplish because you might have to give 
up certain things that you are currently attached to very much. But that doesn’t mean it's not a good 
step to make.
You can be happy without spending a ton of money. There are people who buy things, believing that 
they will bring happiness, so they’re always looking for the latest gadgets, the shiniest cars or new 
pairs of shoes of a famous designer. And yet, after they give a lot of money for these things, they are 
happy for a day or two, after which this feeling disappears and they have to look at another thing they 
can buy. It's better instead to learn to love life, to enjoy everything, however insignificant it may seem. 
Enjoy nature, meditate, walk and have fun with your loved ones. There are so many things that can 
make us happy that we really do not need to think about spending when we want to enjoy life.
One of the most important things is setting a clear objective. Seeing your savings as you approach the 
goal is a strong motivation. It's actually easy enough to save - start by making small changes every 
day and see how money is gathering.
1. Monitor your expenses.
The first step is to start keeping a daily record of each purchase you make. Make sure you record 
each purchase, however small. There are many excellent free apps on the market that allow you to 
register your purchases and report back to you. After about two weeks, it's easy to see ways to cut 
spending. Here is a list of great budgeting apps that can help you with this.
2. Set a budget.
Drafting a budget is mandatory for saving. A budget must not be complex, but discipline is also required. 
Just make a list of all your fixed expenses and other needs. Include the amount you'd like to save and 
optional spendings like clothes and entertainment, and then respect your budget carefully.
3. Pay only in cash if possible.
When using a credit or debit card, it's easy to lose track of the amount of money spent in a short period. 
In addition, paying interest on credit card purchases can greatly increase annual spending. With cash 
you can see how much money you spend and have a fixed budget - you only spend what you have in 
your wallet without withdrawing any more money from the ATM. It is also a mental matter: when you 
have to actually get the money out of your wallet, you'll get it harder, thinking twice about the purchase 
you want to make. When you pay with the card, you just pass the card through the device and get it 
done. You cannot sensually perceive the amount spent. This makes it easier for you to quit the 
respective amounts of money. So stick to cash.
4. Reduce utility bills.
Lowering the temperature of the thermostat by only one degree or two will reduce energy costs, just like 
other simple measures, such as turning off the light when leaving a room or switching off devices that 
you do not use. Here are some great examples of how to save money on household bills
5. Cook at home.
A very simple way to save money is to start cooking more at home. Instead of having dinner at the 
restaurant, ordering pizza or having a meal at the fast food before you go home, buy fresh ingredients 
and go for recipe testing. Also, when you travel by plane or on holiday, bring from home the food and 
drinks you eat at the airport or at the hotel, that way you can avoid to buy them at much higher prices at 
the airport.
6. Avoid impulsive shopping.
As today everything we want is just a click away, it's easy to let impulsive shopping spoil our budgets. 
Make sure you've reflected if you "need" an article and not just "want" it. Set a threshold for shopping. 
Wait 48 hours for any article that goes beyond the threshold before buying it with a click. If you want to 
buy something to dress and is not a real urgency, wait for the after seasonal promotions. For example, 
buy winter clothes immediately after Christmas.
Sometimes you can find some promotions on things you really need, so it's time to act. If you don’t 
have the necessary amount at the moment, you can ask someone close to you to make you a small 
loan in order to qualify for the discount. You can also use brands such as Cash Lady to help you with a 
loan in case you find a good promotion for an item you really need. If the commission on the loan is 
lower than the discount, then it is definitely worth it.
7. Be wise with children purchases
By the age of 12, buy baby clothes at discounts or second-hand, because you throw them anyway the 
next year. This also applies to toys. In addition, the money you put aside through this method can be 
used for your child in different better ways, when they will need other things that are much important in 
the future.
8. Sell from things you do not use anymore.
The fastest way to gather and save money is to sell from objects you have not touched for a long time 
and that you no longer use. We all have them - things we have some emotional attachment but we 
have not been able to use for a long time. Whether they are gifts (often not just to your liking) or items 
bought with the idea that you will use them sometime, and it becomes more and more obvious that this 
will not happen too soon. Surely you have gathered things you could easily separate from. Do not wait 
for the moment when maybe you will still need them, but turn them now into money and sell them on 
the internet.

22:20:00

Just Moved Home? The Things To Get Sorted

by , in
When it comes to moving house, there is no denying that it is stressful. Initially you have the whole 
buying and selling process to navigate. Organising mortgages and deposits, making sure they are 
sorted and things get paid on time. Then you have the actual move to contend with. Boxes everywhere, 
a big removal van to loaned and the unload again, and then getting settled in to your new home but 
with it comes a sense of unknown as you get yourself acquainted. There is a lot to think about, but 
once you are in you might think that things can calm down a little. But you are wrong. There are still 
things that you will need to organise, think about and get sorted, so here are some of them to help you 
get started.


Finding out what is local to you

When you move home, the chances are you are moving to a new location and area. It may be a new 
village or town perhaps, which means that you might not be familiar with what is local to you. It could 
be a good idea to start thinking about exploring the locality. Maybe finding out the local supermarket or 
the shops, the restaurants or decent take out options. Generally getting out and looking around can be 
the best way to do this.

Switching the bills over to the new address

Admin never stops when you move house and while you think you have finished thanks to the 
mortgage being sorted etc, you will still need to think about the ongoing bills. Getting these changed 
over from your previous address is a task that sounds moe daunting than it actually is. In some cases, 
the providers can take over accounts at your new place, and all you need to do is provide the new 
address and let it happen. It might be easier to do this.

Organising the rooms and their uses

A new house means new possibilities, and that can often be associated with the way you design the 
living space. Where do you want to sit in a morning? Does your kitchen have a dining area? Can you 
create a playroom for your children? Who will have what bedroom? The options are endless and while 
it may have been set up in a particular way when you first bought the house, it doesn’t mean that you 
have to use it this way in the future.

Getting those home improvements organised and prioritised

One of the biggest things when it comes to moving house is the overwhelming feeling of wanting to 
change things. It might be the wall colours, it could be a new kitchen or bathroom. It might be time to 
start making a note of all the home improvements you want to make and then prioritise them by budget, 
timescale and when you are likely to be able to complete them. Some tasks will cost more than others, 
so this is when you may need to look at something like Evolution Money's homeowner loans to help 
take on the bigger tasks. Prioritising the jobs will help you stay accountable and also motivated to make 
the savings and changes needed.


Postal redirection

You may have thought about switching over your bills, but have you considered a postal redirection? 
We all get post in the mail that isn't necessarily directed to a bill. It could be a birthday card, it might be 
a letter from someone who lives abroad, it could just be a flyer offering up a new deal, but you won’t 
want to miss out on it. So make sure you organise a postal redirection. Even if you only do it for a few 
months it wil help to prompt you to make the changes to your address with companies you may not 
have called yet.

Getting family members settled in

Part of moving home means that you will need to get your family members settled in. This could be a 
new school or nursery for children, or generally getting older kids settled into high school or clubs they 
want to join. It can be a big transition at first, so make sure you spend time getting this sorted.

Working out a commute to work

A new home means that you live in anew area, with new traffic and routes to work. So it will be a good 
idea for you to sort out your commute to work. Take time before needing to do it to ensure that you have 
a route mapped out. It is always going to be a good idea to talk to people about where you need to 
travel to as they may be able to help you with backstreet shortcuts or inform you about traffic or road 
works to avoid. The last thing you want is to arrive to work stressed out before your day has even 
begun.

Researching local events

It will always be a good idea to research local events and see what is going on close to home. Being 
part of the community will help you and the family to make acquaintances and even friends. Talk to 
your neighbours, speak to people while out and about and even check local Facebook pages and 
groups to see what is going on. It can also be a great way to help you when it comes to socialising and 
getting children settled into new environments and school.

Joining a gym or attending a class locally

Finally, you also need to think about yourself while moving to a new place. You may have left a 
friendship group behind, or your circumstances might have changed. Joining a gym or attending a local 
class will give you the opportunity to socialise yourself and help you to make some friends in your new 
area. Sometimes taking this step can feel like it is out of your comfort zone, but it could be hugely 
beneficial for you.

Let’s hope that these tips help you when it comes to moving home and getting settled in.
19:02:00

Clever Ideas For Updating Your Home's Exterior

by , in
If you are wanting to make some changes to your home, then have you thought about updating the 
outside of your home? Even on a low budget, revamping the exterior of the home can improve how the 
home looks, but also the value and saleability of the home. There are a variety of different things that 
you can do to change up the look of the outside of the home. It could be anything from basic cosmetic 
changes like painting or adding some cladding. Of course, there are some drastic changes that you 
can make, like changing the structure, the roof, or even replacing windows. Whatever budget you are 
looking at, here are some of the things that you need to know so that you can improve the exterior of 
your home.


Exterior Finishes

If your home has some stone cladding or pebbledash from the 70s or 80s, you won’t be alone in 
wanting to get rid of it. It can be removed quite easily, or covered with plaster or a different material to 
give the outside a new look. If it is plastered, for example, then you can easily paint on the smooth new 
exterior in a color of your choice. Other choices for exteriors could be stone, timber, composite 
cladding, metal, or concrete.

Lighting

The lighting on the outside of your home can not only help it to look good at night, but it can also act as 
a great security feature. So think about what lighting you have out there at the moment. 
A lot of home security systems reviews will talk about the importance of motion sensor lights, 
especially for by doors and driveaways, as they will switch on when someone walks up to them. 
Framing a driveway or walkway with lights can be a good idea too, as it can look good as well as work 
as a safety thing. Solar panel lighting is a great way to add new lights, as hooking up some electricity 
can be difficult in an existing driveway.

Replacing a Roof

On some styles of house, particular something like a bungalow, then the roof can be a pretty dominant 
feature and you may want to change the shape of it or improve the look of it. Doing so can really make 
the appearance of the outside of the home really different. Replacing a roof is no mean feat, though, 
and can be quite an undertaking. Plus, you might need to get planning permission for the change. 
There will be things like roof insulation that will need to be installed at the same time, so it can all add 
to the costs.

Changing Windows

Windows can change the whole look of the home, as they can add a lot of personality. You could 
choose to fit replacement windows, change the shape or size of the windows that you have, and all 
can be done without planning permission. You should choose styles that are in-keeping with the style 
of the home, though, so that it doesn’t look too out of place or mismatched.

Post Top Ad