Archives for finances category
Posted on Mar 15, 2014 under finances |
Remodeling your kitchen is an exciting project, but it can also be a costly project. Luckily for larger or small kitchen renovations, there are many creative ways to save money as well as have a beautiful renovated new kitchen when you’re done with the process.
Someone Else’s Trash is Your Treasure
Your contractor is an amazing resource when you are looking to renovate, as they work on many projects, and have access to the materials. Unused materials, for example, extra tiles from a finished new backsplash, or extra hardwood flooring from several projects, can be huge savings to you. Find a contractor who is interested in getting rid of extra scrap product, and with a little combined ingenuity, you can save to the extreme.
Look to online retailers for kitchen furnishings that will be on sale. For example, patio items in the winter, will be cheaper than in high season. For an unconventional idea, use patio furniture inside, as often the sturdy iron will add a hip look to your kitchen, for a fraction of the price. Check these online retailers and see indoor and outdoor kitchen tables and chairs at high rates of consignment when they are in overstock. Beware of extra shipping costs, but check you numbers, and you can save on furnishings on items that were produced in the masses.
Creative Window Curtains
Drapery for window treatments in your kitchen can be taken from multiple items. You can use a bedspread, sheet linen, old dress pattern or flannel, and turn these items into creative and completely customized window treatments. You are able to save money on buying pre-sized the curtains that can often need re-altering or look misshapen, as you will either cut them to size yourself or bring these items to a tailor to cut to a size from their original state. Use a large item such as a tablecloth, as you can cut them into smaller items with the excess fabric to match (pot holders or drink cozies) to really pull everything together in your kitchen, for a way smaller price tag.
Cabinetry Simple Updates
One way you can really add some spice to your cabinets is by changing out the hardware. With a quick coat of paint, or varnish, you can jazz up an old set of cabinets, without having to replace them. With a purchase of new hardware, you can update a dated kitchen into something modern, or mixnmatch hardware pieces to keep a funky and shabby chic look, at much less cost than replacing the entire cabinetry.
Consignment Kitchen Furnishings
Many different stores offer low-cost furnishings, for donations. Bring some of your old pieces down from your previous kitchen scheme, and on the same trip, pick up some new pieces to revamp. An older kitchen table could be a brand new freshly painted cottage dining table, with just a few coats of whitewash, and a gingham tablecloth. A set of older kitchen chairs might be the best addition to your sturdy kitchen table you are keeping even after the renovation. Use those old chairs, refinish and add some funky cushions or reupholster the seats to add life to some consignment kitchen furniture.
Do the Demolition Yourself
Save money while wrecking down your old structure – For the cost of a dumpster and a few hammers, you can really save yourself some dollars on a renovation. Instead of paying for labor and time on the demo project for several workers, hire your contractor for the day, and learn how to do the demolition yourself.With the help of a small payday loan, you can do it yourself for next to nothing. Invest yourself in the project, and save on labor costs, as well as learn something about your home from the ground up.
Posted on Mar 10, 2014 under book review, finances, money |
I am the type of person that loves reading. Any sort of reads interests me and those interests changed over the years.
I still remember when I was in college, I love to buy magazines that talk about relationships. When I got married and had my first child I got hooked with parenting books. When I got a little order and had two kids I suddenly shifted to books that tackles about budgeting, saving money and having lots of it. Choices do change a lot when one mature and change priorities.
That is why I got this book.
I Wish They Taught Money in High School
Honestly, I do agree with the book title. The moment I read the title I know it was the book that can help me a lot.
It’s a 2 in 1 book where two topics are discussed back to back. The first topic I’ve read is “I Wish They Taught Money in High School so I’m not Dependent on my Paycheck” which was written by Clarissa Serina Dela Paz. I chose to read this first because I can relate so much about it. As a working mom, my salaries usually pass thru my hand and disappear after a day.
The moment I read it, my perception and motivation change. The chapters that really hit me the most is how to have a passive income and what passive income is. When you have passive income you can be sure that you will never stop earning even though you stopped working in your usual day job. It also thought me about the right formula on savings and expense.
INCOME – SAVINGS = EXPENSES
Or better yet, this formula can give you the passive income I’m talking about:
INCOME – INVESTMENT = EXPENSES
Also, these awesome phrases caught my attention and I thought of doing this when I received my 13th month pay.
The second topic was “I Wish They Taught Money in High School so I can start my Business Right Away” by Sharon W. Que and this one will motivate you to establish your own business with little or no capital at all.
This will be possible with the money making pursuits that the author highlighted. It also gave some ideas giveaways by choosing the right product to sell, develop good relationship with your business partners, and train good salesmen, ways to augment your capital and many more.
I got hooked with this book and I am very glad I was able to read it.
If you want to change your views on how you handle your money and wanted to free yourself from financial burden buy this book at read it from your heart. Check out now before they sold out.
Where to buy : http://lifestyleupgrade101.com/shop/#!/~/product/category=6949596&id=29526962
Cost: P500.00 only
Posted on Jul 25, 2013 under blogging, finances |
A payday loan is a loan that allows you to borrow as much as $1,000 or more without a credit check. While this can help you in the short-term, you have to consider how it could impact your finances in the long-term. There are high rates of interest as well as penalties that can be charged if you are late with your payment.
The good news is that your California pay day advance specialists are here to help you. If you are having trouble making your payment, there are ways that you can avoid paying late fees and penalties. When you are already have trouble with money, the last thing that you need is another bill collector hounding you.
Borrowing money only takes a few minutes if you have an Internet connection. All you have to do is answer a few simple questions, indicate where you want the money to go and wait for a decision to be made. Your money will be deposited to you within 24 hours. It is possible that you could have you money sooner than that.
You don’t have to let money problems completely ruin your life. A payday loan can be just what you need to keep you steady until you get back on your feet.
Posted on May 23, 2013 under business, finances |
There’s nothing like laying a black card on the table to pay a restaurant bill. Simple, elegant, direct, it speaks of refinement. On the other hand, dropping an “Angry Birds” card makes quite a different statement and is bound to provoke conversation and laughter. Kaiku offers both. The cards are part of the reloadable prepaid Visa trend that’s led Kaiku to offer not only lots of features for the financially savvy, but also stylish and clever card designs to enjoy and make a statement. Behind the cards is an account which is convenient to access by web and smartphone app and can be loaded in a variety of ways. While previous generations reached for cards that spoke of prestige, modern society is plastic-oriented and savvy, looking for payment cards which are personal, convenient, and fun. Along with Angry Birds games on smartphone and tablet, ringtones, toys, and whatever else strikes fans’ fancy, Kaiku customers can pay for it all with their favorite character right on a debit card. Modern life is serious enough. Going out for lunch should be fun, and paying for it with an Angry Birds card can be the antidote to all kinds of stress and pressure back at the office. It’s sure to be a memorable occasion when the bird’s on the table after the meal is done.
Posted on Feb 23, 2013 under finances |
Most of us find ourselves stuck with bank accounts that are unfavorable to us. There is no reason you should continue running a bank account you are unhappy with. If you care to do your research well, there is pretty much incentive to switch bank accounts being offered by the banks.
Let us look at some of these briefly.
What to Consider when Switching Bank Accounts
Do your research well to find one that is most favorable to you. Some of the things you can look at include the following:
Interest rates-majority of people use a bank account as an everyday affair to pay bills, make transactions, receive wages and so on, thus there is a considerable amount of money moving in and out of this account. Taking into account that every penny deposited there could be earning interest, it is certainly worth your while to find out what your current rate of interest is and see if there is another that will make more out of your funds.
Transaction and ATM fees-confirm how much you are charged on every single withdrawal or payment you make using your card. Some have a limit to the number of transactions you can carry out every month with any additional usage attracting a certain fee. Those of us who are frequent transactors should open an account that favors such regular usage.
Account maintenance fees-some accounts charge an overall monthly fee that caters for all or a maximum number of transactions, even when you don’t use the account in any given month. Depending on frequency of use and nature of transactions, this could save you considerable amounts of money every month.
Making the actual Switch
After you have chosen an account that works in your favor, open it and then make sure to update your automatic payment details such as direct debits-car, health insurance etc-and direct credits-benefits, pay and so on.
You can switch your bank account more effectively by following these simple tips:
- Take some time to talk to your bank if you are unsatisfied. Go through the options with them in the hope that you can get a better deal-no monthly fees, higher interest rates and so.
- Consider whether in the long run you will save more by switching your account to another bank.
- Set up your new transaction account-you can leave the old one open to sort out any automatic payments that ought to be made during the transition period.
- Ask for a list of all your regular direct debits and credits from your old account.
- Avail the list to your new bank as this will help to re-establish the payments on your new account.
After you are certain that all automatic payments have been updated to your new account, proceed to close the old account.