Archives for August 2017

Homemade, Natural, Affordable Cleaning Solutions

Are you looking for effective cleaners for your kitchen that don’t cost an arm and a leg? Making your own from a few common household ingredients is the answer you might be looking for. Add the power of a good scent and your cleaners will be better than any commercial product you can find. Here are a few recipes to get you started on saving.

How Much House Can You Afford?

Buying your first house can be an exciting time. It can also be a nightmare trying to get the right amount budgeted for it. Most people sidestep the question by simply going to a bank and asking how much they qualify to borrow.  Unfortunately this is a very common mistake.  Banks are not financial planners they are in the business of lending money, they know nothing about your lifestyle so they simply sue some basic rules to determine how much they will loan you. They do take into consideration your other obligations but they will often offer you more than you would be wise to borrow. This can lead to serious debt issues if unexpected expenses arise.

Don’t Panic! 3 Stressful Fiscal Issues That Shouldn’t Blow Your Budget

While many major events can result in unexpected expenses and lost wages, these issues do not have to jeopardize your financial future.  Major life events can wreak havoc on your personal finances and that is why during ordinary times you should be building yourself a safety net. This net should ideally be six months to one year of living expenses. So if you typically average $3,000 per month in expenses (this includes rent/mortgage, food, gas, utilities, entertainment, everything) then you should have an emergency fund of at least $18,000! (6 x $3,000= $18,000) and preferably $36,000. If you don’t have at least the minimum you are at risk if one of the following events hits you.

Unique Ways to Find Extra Cash

If you’re short on money this month, you have options. Here are a few ideas that you can try if you would like to bring in a little bit of extra cash.

Plumbing Problems: 4 Tips for the Amateur DIY Plumber

Being a first-time homeowner can be both exciting and overwhelming. You can take pride in knowing that each payment that you make towards your home loan is helping you build equity in your home. While building equity is something to be proud of, now that you are the homeowner, gone are the days where you can call your landlord if something goes wrong with the plumbing. It’s now your responsibility to pay for the repairs that you need whenever something breaks down. A good way to save on the cost of the repairs is to learn to do it yourself. If you’re starting to notice that something isn’t right with your plumbing, here are some DIY tips:

Strategies To Help You Afford Better Healthcare

With healthcare costs higher than they’ve ever been, more and more Americans are feeling the pinch. There aren’t a lot of easy solutions, although there are some ways you can save. These methods do not involve skimping on care, since your family’s health is too important for that. Here are some strategies to help you afford better healthcare.

Is Your House Wasting Energy & Costing You More Money

Reducing your home’s carbon footprint isn’t just going to help the environment. Making a few small changes around your property could end up saving you thousands of dollars a year by cutting back on your electricity and gas bills. If you are ready to make your home as efficient as possible, then here is a look at some of the most common ways that energy is wasted and what can be done to prevent them.

Getting the Best Deal on a New Car

ar shoppers should keep in mind that American car dealerships are like Persian bazaars, and this means that they should not be afraid to negotiate. Auto shoppers should start their purchase journey online searching for a car model that meets your needs and has a good track record. Once you’ve decided on the model you are interested in you can start looking at the dealership inventory. Using the inventory search and lookup tools, shoppers will have a solid base for negotiation.