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How to handle an injury

How to Handle an Injury With No Insurance

Health / By

Being injured when you don’t have insurance can be a scary prospect. This doesn’t mean that you don’t have options to help you pay for your medical care. Here are some of the steps that you’ll need to take in order to handle your injury without having to go into debt. Often Doctors and hospitals will give you a discount if they know you don’t have insurance. Actually, they usually end up giving insurance companies a discount as well. Even though they say the rate for a certain procedure is $10,000, the insurance company will often only pay them $2,000 or $3,000 and they write off the balance.  So there is no reason why you can’t negotiate the same discount.

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Save money or pay off debt

Reduce Debt or Save– What Should You Prioritize?

Debt / By

Saving for the future or paying off your debt. Both are lofty goals that most of us have tried., but when it comes to determining which is more important, the answer is rarely cut and dry. When confronted with student loan debt and credit card bills, sometimes it seems the best way to get out of debt is to just pay it off. The issue is interest rates. Generally, one’s interest rates are high while the other is relatively low, and if you’re not saving, you may run into trouble before you’re debt-free.

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7 best home improvement tips

7 Sure Ways to Increase Your Home’s Value

Home Improvement / By

Renovating and upgrading your home is easier said than done, especially now that you are more inclined to invest in it. The sky is still the limit! There are many ways to increase your home’s value. Some of them are easy to do. You can even find some low-cost hacks! A lot of them might feel more expensive and can take a lot of time to complete, but just like the others, it will be worth it once it’s completed.

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Flooring

Renovate Your Family Home on a Budget 

Home Improvement / By

No matter how cool and big your family home is, the chances are you’re not absolutely happy with it. Maybe you don’t have enough storage space, your floors need to be redone, or your kitchen needs a new look. Whatever it is, renovating your home from time to time is something you just have to do. What you don’t have to do, though, is waste a ton of money doing it. Just be frugal and do that on a budget. If this is something you’d like to do as well, here are a few ideas to consider.

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Electricity

Step by Step Guide: How to Calculate Electricity Usage Cost and Charges

Energy / By

Do you know how much your individual electrical appliances actually cost to operate? In a world where environmental awareness is a pressing concern, being aware and mindful of not only how much energy you’re using but also how much each appliance costs is more important than ever. Every appliance or device you use is reflected in your monthly energy bill, but that doesn’t mean they all cost you the same. This awareness of just how much each device uses and how much it costs can save you big if you’re careful. If you know the biggest energy vampires in your home, you can adjust your uses or replace them altogether. 

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Investing for Beginners

A Beginner’s Guide to Investing: Major Dos & Don’ts

Investing / By

When first getting into investing, you might contemplate just jumping into the deep end—but, before you take that leap, there are some things you should consider. Investing can be a tricky subject, which for some can enhance that feeling of needing to get it over with and begin investing at the drop of a dime. However, it’s better to acquaint yourself with investing, and the methods many professionals undertake, prior to trying your hand. Here are some of the best tips we have to offer for those just getting into investing, particularly what you should and shouldn’t be doing.

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Backyard on a Budget

Remodel Your Family Backyard and Save Some Money 

Home Improvement / By

Backyards seem to be made especially for Summertime. So with Summer upon us you might be considering a bit of an upgrade for your backyard. Whether you’re redesigning your whole backyard or simply doing a small upgrade, here are a few simple tips. Most families like having a great outdoor space they can use when the weather conditions allow them to, so there’s an idea for every part of the backyard that can allow you to do that. Of course, every successful project requires detailed planning and you’ll need to make sure all of your wishes are included in the design. The best way to be sure you’ve done everything right is to get inspired before you start making big changes, you might want to pop over to Pinterest and search for “backyard ideas”. You’ll find everything from firepits to sheds and fancy lighting.

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