Budgeting

I Love It Not…

Valentine’s Day, for some, is fondly referred to as Single’s Awareness Day. So what do all singles people do on Valentine’s Day? Well, they can wallow in self-pity or bitterness, or they can do something that shows how much they care about themselves.  What is even better is that it can be inexpensive too.

1. Polish Party.

Get a few of your single girlfriends together, bring all the nail polish you have, and take turns giving each other mani’s and pedi’s while bad mouthing all the boys who have done you wrong and what celebrity got arrested the night before.  You will not only get some polish powered confidence, but some much needed girl time therapy.  What will this cost you? Nothing, unless you need to pick up some new polish!

2. Bubble Bath… That’s Right.

Stop by your local bath and body shop and pick up some bubble bath in your favorite scent.  Nothing says relaxation more than a bubble bath.  Now light some candles, grab a book, or just turn on some soothing music and take some time for yourself.  The max this one will cost you?  $15. Try it out, you will not regret it.

3. Need a Good Cry?

Pop in Dirty Dancing or Marley and Me and enjoy some of what I so fondly refer to as movie medication.  Get your favorite drink and snack ready. Put on those pajama pants that fit just right and those fuzzy socks that you love so much and over medicate yourself to your single heart’s content.  Using Red Box?  This one will cost you a max of $5 for the movie and $20 for your drink and snacks.  Indulge a bit.

4. Go Home!

If you are a college student like me and going home is a rare luxury, plan ahead and make the trek back home.  Be around people who truly love you, aka, your parents!  If your parents are like mine, they will smother you in hugs, candy, and free food (something every college student loves.)

 

Valentine’s Day does not have to be Single’s Awareness Day.  Make Valentine’s Day about you, and tell Single’s Awareness Day where to shove it.

Five Ways to Cut Your Grocery Bills

Gas prices keep rising and lowering (but definitely more rising). Our utility bills continue to increase, as does the overalls cost of living especially while food prices steadily continue to increase.

cut grocery bills

With that being said, we are looking for ways to save money and one of the easiest ways to save some quick cash is probably a way that you have never thought of before. Cutting your grocery bills will save a tremendous amount of money and it’s easy!

Here are five ways to cut your grocery bill, which means more money in your pocket for your mortgage payment, your utilities, or even a luxurious day at the spa (or golf course for you men out there!):

1. Clip Coupons – While it may not seem like 50 cents here and 75 cents there will save you money, it will if you know what to do and when. You want to save coupons and use them at the store when the store is having a sale on that particular item. In some stores, you can double or triple your coupons saving you that much more! Here’s how it works: let’s say you pay $2.50 for Prego spaghetti sauce and your favorite grocery store has it on sale for $2. Let’s say you have a coupon to receive 75 cents off that can of spaghetti sauce and let’s go on to say that the coupon doubles at the store for a total of $1.50 off the $2 sale price. That means you are paying only 50 cents for an otherwise $2.50 can of Prego spaghetti sauce. It pays to learn how to clip coupons and use them efficiently. Note: you can get easily coupons in your Sunday paper or online with the click of a mouse! And don’t forget to always be on the lookout for “Buy One, Get One Free” specials at the store and coupons. Match them together and that’s some savings to brag about (maybe even completely free!).

2. Stockpile During Sales – When items go on sale, stock up on them. Use your coupons, too. This means you will need to have plenty of room in your pantry – or somewhere! – so that you can store the additional items, but when the price goes up, you won’t need it saving you money on your grocery bill.

3. Purchase Store Brands – We don’t always have to have name brand stuff, do we? Sure, it’s nice sometimes, but store brand food is generally just as good and you can save a ton of money. This doesn’t only pertain to canned goods, this also relates to fresh fruits and veggies, frozen foods, baked goods and much more! In some cases, the store brand foods taste better than their name brand counterparts!

4. Avoid Convenience – Don’t purchase already cut-up carrots that are pre-packaged when you can purchase carrots individually and cut them up yourself for a lot cheaper. Avoid pre-made foods because in the long-run, you will save more cooking it from scratch at home rather than purchasing it in the frozen section especially in the long-term. Same goes for pre-cooked foods. It’s just better to buy the ingredients separately and make it at home. Next time you want the same meal, you’ll already have some of the ingredients on hand thus saving money!

5. Make a List – We all know that we spend more money at the grocery store when we go in without knowing what we need. By making a list of the things that we need (and sticking to it!), we are saving a ton of money on items that the household doesn’t really need such as extra junk food, an apple pie that looked too good to pass up, etc. So, check your fridge, pantry and cabinets before heading to the grocery store and make that list of the things you need to avoid excessive, unnecessary costs.

Utilizing the above-mentioned five ways to cut grocery bills, you will save a huge amount on your grocery bills each week. In fact, you will probably save more than you could have ever imagined you could save. When you go to the grocery store, make sure you are equipped with these five shop smart ways you can save money.

Party On!

Do you have any big parties coming up? Birthdays? Social Events? Anything?  Well, whether you have a reason or not, throwing a party is always a great way to get together with some friends and family. Parties are not always cheap, but with a few of these money friendly party ideas you will have some great inexpensive fun in no time!

1. Game night!

Be a kid again! You would be surprised at how much fun those old board games or other games can be.  Apples to Apples, Monopoly, video games, even hide and seek all bring back some good memories and a lot of fun with them.

2. Creativity Time.

A few friends of mine came up with this idea.  We got together with our old bikes, searched Craigslist for other bikes, and went to pawn shops and looked for bikes.  In other words, we had a lot of bikes.  Each of us then bought a can of glow in the dark paint. We spent the day together painting the bikes, and then went riding through downtown that night.    It only cost us about $25 each to buy the paint and get used (or our old) bikes. So come up with something creative!  It might not be as cool as our glow in the dark bike riding crew, but that’s just how we roll. Pun intended.

3. Cookie Trade Off

This is a good one for those with a sweet tooth.  Everyone who is invited to the party bakes enough cookies for each person to have at least 2. They then bring a copy of the recipe and everyone tries each other’s treats.  You not only satisfy that sweet tooth that you undoubtedly have but you add to your cookie repertoire.   How much will it cost you to bake a batch or 2 of cookies? Around $20, unless you pay attention to stores with good sales who do ad matching!

 

These are a few simple ideas that will get you started.  Do you have any ideas for awesome parties? Comment below and let’s hear ‘em!

Do Young Adults Need Disability Insurance?

Many things go through the minds of young adults, but seldom do they think of being grievously ill or being prepared for the worst. Usually it is later life when these things are considered and dealt with accordingly. The chances of becoming disabled are considered remote, and therefore not something of which to be concerned.
disability insurance

This leaves many young adults unprepared for such an instance. Unfortunately it is in these years when most people are actually at a higher risk of a disabling injury. Everyone of working age needs to plan ahead of time to see that their bills would be paid if they were to become disabled.

Accidents and illness could potentially cause long lasting or even permanent disability. In the event of temporary disability, a policy would provide a portion of income that would help get bills paid until the illness has passed. The loss of employment resulting in no income for just a few months can have devastating financial consequences for the young adult and their family.

A big benefit in getting disability insurance while young is the reduced cost over getting it later in life. It may also be possible to get a policy during this time that cannot be cancelled by the company. It makes sound financial sense as it stays in force as long as the premiums are met in a timely manner. A policy such as this provides lifelong protection.

It’s no secret that a change in health comes with age. Medical history will play a big role in whether or not a person will qualify for disability insurance. Any kind of medical history will make an increase in the amount paid in premiums. This is where a policy purchase while in the health of youth makes so much sense.

Employers are the first place anyone should begin for any type of insurance. It could be readily available as an option in the company group insurance. Employees are responsible for inquiring about potential benefits they may qualify for as a current company employee. A quick trip to the human resources department will reveal what type of plans are available that can be automatically be deducted from earnings.

Most people are seemingly at their best during the young adult years. It is easy to overlook certain things at this age, particularly when it comes to topics of injury or death. However, it is the precise time to get prepared for all of the things that can catch us off guard. Disability insurance is not just for the elderly or frail. It is for all adults, young or old. These are the individuals that are smart enough to know they need it to take care of themselves should an unfortunate event occur.

Home Is Where The Heart Is

Are you searching for an apartment or place to live?  Do not let your pocketbook be the only thing that holds you back.  There are a few very important aspects that you need to remember when picking out a house or apartment that can end up saving you and your pocket book a little bit of stress.

1. Home Improvements

Does the house or apartment need some tender loving care? Or more like some major repairs?  Either way, hope is not lost.  Take a look at what you will have to spare after you buy the home or apartment. Will there be enough there to make the changes you want? Changes that will really make you happy with this place and make it a home? If yes, sign on the dotted line!  If no, do not stop the search quite yet.

2. Location, location, location

If you are a college student, think about public transportation, work, and class. How far away are you?  There is no such thing as too close but there is such thing as too far.  You do not want to overdo it on gas money, nor use all that time commuting to and from your desired location.  Think about it.

3. Go Green!

Take a look at the environmentally friendly aspects that the apartment already has or can easily be adapted to.  Not only is it good for the environment, but often times going green can also save you some green.  Solar panels? Expensive, but they eventually pay for themselves.

 

Just a couple things to think about ya’ll.  Do you have any tips that need to be shared? Let’s hear them! Comment below!