Gifts

Are You Sure You Cannot Afford It?

can you afford itHave you ever stopped to think about how many times you’ve said “I can’t afford that”, but what you really meant to say is that you haven’t made “that” a priority?  Of course there really are things you can’t afford, but many times we can afford things but we say we can’t.  Why do you think that is?

To me it all boils down to our priorities.  We will make sure we can afford the things we make our priorities, but we will offhandedly say we can’t afford anything that we could care less about.   For instance, imagine our son tells us he would like to go to summer camp.  Would you tell him you can’t afford it or would you be willing to forfeit a few restaurant meals to ensure you could afford to send your son to camp?

If we are honest with ourselves, I hope we will examine our priorities and find out if we are using our money in the best way possible to meet our goals but also to ensure that we are not hoarding all of our financial resources.  We need to think of others and not just ourselves.

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Shopping

5 Tips For Saving Money On Your Wedding Dress Without Having To Sacrifice Style

wedding dress shopping tips that will save you moneyShopping for a wedding dress can be a harrowing process, what with trying on dozens of gowns to find the right one and then attempting to balance a budget with the prospect of purchasing the dress of your dreams. While you’re probably keen to save money wherever you can, you certainly don’t want to sacrifice style in the process. So here are just a few tips that should help you to meet all of your goals (fashionable and financial) when you shop for your wedding dress.

Shop trunk shows early. In most cases, trunk shows do not offer discount dresses, so you might wonder why you’d want to go. The main reason is to try on designer styles that local stores may not otherwise have in stock. Even if you can’t currently afford any of the dresses you slip into, going to these shows early in the planning process can help you out in a couple of ways. If you take photos and note the styles you like, you may be able to find them later on for less (once they’re out of season). Or you could look for something similar that costs less once you know what is flattering on you and which styles, cuts, or embellishments you prefer. And if you find the dress of your dreams, you can make a down payment and have plenty of time to pay it off before your big day. As a bonus, you’ll get a free consultation with representatives of the designer, and these professionals should be able to find the best look for you in their collection.

Shop online. If you have your heart set on a designer dress, consider that you may be able to find one online for less. Not only are there hundreds of discount dress websites to help you here, but you can also keep an eye on eBay or even Craigslist when you’re searching for a specific gown. Although you may end up with a second-hand dress, chances are it’s only been worn once.

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Household

5 Weather-Stripping Tips To Help Homeowners Save Money

use weather-stripping and save money on your heating billWeather-stripping can be the key to saving money. In the winter and summer, making sure that the air inside your home stays in and the outside air doesn’t get in, is crucial to maintaining the temperature inside your home. Keeping an even temperature will allow you to save money on your monthly energy bill. Saving on your energy bill also means conserving energy for the environment, which can be important, especially with the rise of global warming. When it comes down to it, global warming is a serious problem and even taking small steps to winterize and weather-strip your home can have a meaningful impact. Here are five weather-stripping tips to help home owners save money.

Seal energy and air leaks in your basement. Your basement can be full of these energy leaks, which usually happen when the foundation shifts. The energy leaks wouldn’t be so bad if they didn’t suck precious energy out of your home. By not sealing up these leaks, you will notice higher than usual energy bills. All you need to seal these leaks is an epoxy resin. If you have concrete slabs for a foundation, you may need to mix a little concrete to get the job done.

Make sure that there are no major leaks in your vents, outlets or any other channels that connect to the outdoors. Many people go to weatherize and weather strip their home – only to find out that their bill is still higher than usual. If you really want to save money, you want to make sure that the culprit is not your outlets. All you need to do is put your hand over the outlets to determine if an outlet is, indeed, an energy leak. One solution to this problem is to get an outlet cap.   You may find that you also need to get someone like this Derry electrical repairs company to come out and repair a few things in order to increase safety and efficiency, if you have reason to believe there is an issue with the outlet.

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Money Saving Tips

5 Plumbing Tips To Save You Money On Your Water Bill

As a homeowner, you know that the bills pile up quickly! Often the water bill can be very high if you are not cautious of your use. In order to reduce your bills each month, consider utilizing these 5 plumbing tips that can help you to save a significant amount of money on your next water bill.

First, be sure to turn of the water any time you’re not using it. This may seem obvious, but there are often times when you may not be aware that the water is running when you’re not using it. Try to be more aware of turning of the water while brushing your teeth, washing your hair or washing the dishes. These tiny changes and adjustments can add up and make a huge difference when the water bill arrives at the end of the month.

plumbing tips that will save you moneyDisplace the water in your toilet bowl chamber. Often toilets use way more water than needed to flush. You can avoid this by lifting up the cover of the toilet chamber. Then, place a brick or big rock inside in order to displace the water. This will allow the toilet to function but use a smaller amount of water to flush–only what is necessary.

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Money Saving Tips

Money-Saving Tips For Single Moms

single moms smart personal financeFor Sarah Roe, saving money has become a way of life. As a money-saving single mom, she shares a few tips about how she manages her expenses with a frugal budget on her popular blog MoneySavingQueen.com– it includes simple solutions like freezing extra food, lowering your bills or educating your kids about money. Something most, if not all of us, can do!

With Christmas round the corner, the fact that household budgets skyrocket in December is no secret. The pinch on the pocket is felt harder by single moms who have to save to spend on ‘extras’ during the holidays- new clothes, gifts and decorations jostle for space along with priorities like rent, gas and groceries.A few spare dollars always come in handy for last-minute holiday purchases.

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