5 Ways to Stop Wasting Your Money & Strategies to Save

Inflation is doing a number on your budget. Things get pricier every day, and you’re always looking for ways to cut back: coupons, sales, brown-bagging your lunch, bringing your own coffee to work. In fact you have heard all of these before to stop wasting your money, haven’t you?

Man in business suit at stop sign telling him to stop wasting your money

Those are all smart tactics, since small savings do add up. But sometimes the really big savings options are right under our noses. Some money-saving tactics are things we never heard of before, but others are things we know we should do and are just too overwhelmed to start. It’s time to look at some ways to stop wasting your money and put them into action!

Continue reading“5 Ways to Stop Wasting Your Money & Strategies to Save”

Is It Worth Buying a Home Warranty?

For today’s guest post on buying a home warranty, please welcome Dividend Power.

The last two houses that we bought were older ones. The first house we bought was built in the 1980s and the second one in the 1990s. Both were good houses and well built. Older houses are also in more mature neighborhoods making them more attractive. However, there are often concerns about aging appliances, roofs, plumbing, electrical, and other systems when buying an older house. In addition, the cost of repairs or replacement can run into hundreds or thousands of dollars. As a buyer, you can often get the seller to include a home warranty for the first year as part of the deal. However, what about the second year, or suppose you have been in a house for a decade? Is it worth buying a home warranty in that case?

A house you might want to protect with a home warranty

What is a Home Warranty?

A home warranty is typically bought at the time of a home purchase. It provides a warranty on major appliances along with plumbing, heating, and electrical systems, and roofing. Major appliances include furnace, air conditioner, water heater, dishwasher, oven, stove, garbage disposal, and garage door opener. Other appliances can be included on an optional basis. A home warranty is valuable if the home purchased is old and has old appliances or systems. In general, a home warranty will cover the service and repair of major appliances and systems. A home warranty may also cover replacements of major appliances.

Continue reading“Is It Worth Buying a Home Warranty?”

How to Save Money on Laundry: Washing and Drying Your Clothes

I often say about things I write about that “I learned it from my mother”. Well, truer words were never spoken when it comes to the subject of washing my clothes. It may sound like a nothing burger, but really, washing your clothes is so basic and important that if you don’t do it with care and thought, it will wind up causing you real money pain and even embarrassment. (I’ll get to my most embarrassing washing moment in just a bit!) But it’s actually pretty easy to save money on laundry.

Family washing clothes to save money on laundry

Laundry is something that we have to do at the very least on a weekly basis. Since it’s one of those chores that needs to be done week in and week out, making just a few changes in your habits now on how you wash clothes can end up saving you a ton of money over the course of the year.

Continue reading“How to Save Money on Laundry: Washing and Drying Your Clothes”

Is This the Best Time to Buy a New Home?

Buying a new home can be a necessity, a dream come true, a financial investment, or a combination of any or all of those reasons. Despite the groups of people out there that don’t want to own any home for any reason, home ownership is still a big part of the American dream, as it has been since the days of the pioneers.

Exterior of a beautiful house, what you might look for to buy a new home

Think about it for a second. Have you ever seen any of those old movies where the wagon trains rumbled across the country and hundreds of folks loaded up a covered wagon, risked their life and limb, and tried to start a new life out west somewhere? Part of that new start always involved building a future with a new home at its core. I still believe that rings true today, minus the wagon train part of course. So now that the pandemic is winding down and life is beginning to resemble what it was way back in the beginning of 2020, is this the right time to buy a new home that you have been waiting for?

Continue reading“Is This the Best Time to Buy a New Home?”

How 10 Productive Minutes Can Change Your World

Please note this post contains affiliate links which help to fund this blog at no cost to you. Thanks for your support!

Sometimes you need to just stop your work and take a deep breath. Like when you have a problem that’s pretty serious. It could be a job problem or it could be a family problem. It could be a money problem or a health problem, or any combination of these that are causing you to just stress out and feel like nothing is going right. That’s why taking a deep breath and taking even just a few minutes out can really help boost your productivity. How about taking ten minutes?

Ten minutes isn't much time, but by spending them wisely, you can leverage them into a more productive day. Try some of these ideas to jumpstart your life.

Ten minutes isn’t really a very long time. It’s less time than it takes to play a quarter in a pro football game. You can listen to 2½ songs on the radio in 10 minutes. It’s even less time than it takes you to read your daily e-mails. In other words, it’s just a few minutes, but oh how great it is to have such an opportunity to increase your productivity, save money, build relationships, and move forward in that brief time period. And most importantly, feel better!

Continue reading“How 10 Productive Minutes Can Change Your World”

Money Saving Tips to Combat Inflation in 2021

I keep seeing it more and more every day. The inflation factor is out there and I am amazed that not many seem to be talking about it as being a problem. It may not be across the board, but food inflation and energy inflation will be making a dent in your finances if they haven’t already.

Food inflation and energy inflation are rising in 2021. Here are money saving tips to combat inflation and get the most from your money.

Food seems to be at the top of my inflation list but it’s more than that. It’s a huge chunk of your annual budget. The average U.S. household spends $7,800 a year on food!

Continue reading“Money Saving Tips to Combat Inflation in 2021”

12 Ways to Rent an Apartment for Less Money

Although I am a homeowner and have been for the past 40 years, I can still remember the days when I was a renter. While renting wasn’t so terrible, I do wish I had learned some of the things about renting that I know now that would have saved me time, money, and peace of mind. Hopefully, you can use this knowledge to save when you rent an apartment.

It's possible to get a discount when you rent an apartment, you just need to know how. Check out these 12 tips to help you save money.

Rental prices aren’t set in stone, even in highly competitive markets, so elbow grease and negotiation skills can yield hefty savings. One of the priciest cities in the country, San Francisco, today has an average price of a one-bedroom apartment of nearly $4,000 (!), so knowing a few tricks can definitely help.

Continue reading“12 Ways to Rent an Apartment for Less Money”

Winterizing Your Home: Prepare Now and Save

We all hear the news about climate change as well as the weird and sometimes disastrous weather patterns that seem to happen almost every day in some part of the world. It used to be cold in the winter and hot in the summer. That’s not always the case anymore and the temperatures here in New Jersey sometimes seem like they’re 60-something degrees almost all year round. I may be exaggerating, slightly, but the weather has changed. When I hear some weather guy reporting that the temperatures in September were the warmest ever recorded for the month, and that they’ve broken the record now seven out of the last seven years, we have to admit that global warming is having an effect, don’t we? But sometime that effect is bad winter storms, and you need to prepare by winterizing your home.

The seasons are changing and winterizing your home should be on your to do list. This checklist will help you prepare your home and help save you money.

That’s one reason I finally opened my wallet a few years ago and got the ball rolling on getting a new front door along with a storm door! I was finally ready (after freezing my rear end off for several years) to pull the cord and fix it. It has paid off in keeping us warmer and saving on our heating bill, enough to make me feel really foolish that I didn’t do it sooner.

Continue reading“Winterizing Your Home: Prepare Now and Save”