3 Ways to save More Money for Great Life Experiences

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Life can and should be a truly amazing adventure, filled with soaring wonder, joy, and special moments spent with those who we care about most in the world.

 

One of the great things about life, is that those special, uplifting moments can be found in the small, everyday things, if we have the right mindset and are willing to keep a lookout for them. But it’s hard to deny that some of the most memorable and electric experiences we have, involve a certain financial investment.

 

Visiting a new country and being awed by the foreign sights and sounds can be a truly breathtaking experience, but plane tickets cost money, as do hotel rooms, meals at restaurants, and all the rest.

 

Learning a new language can massively expand your horizons, but you’ll generally need to pay someone for lessons. Starting up your own business can be an extraordinarily empowering decision, that allows you to take charge of your own destiny, but, as they say, “you’ve got to spend money to make money.” Even visiting the Zoo with your kids — an awesome day out for most people, at all ages — will generally set you back a bit of money.

 

You could be forgiven for feeling jaded by the situation here, and feeling like the only way to enjoy some of the best experiences life has to offer, is to become extremely wealthy. In reality, though, you can do a lot of uplifting, fun, and meaningful things, even on a modest income, if you manage your finances right and make some strategic sacrifices.

 

Here are some suggestions on how to save money for those great life experiences.

 

Do your research before making any financial commitments

 

Many people end up falling into financial difficulty, or at the very least, not saving as much money as they could have, because they are too quick to make financial commitments without having done enough research.

 

Loans can, for example, be useful, but learning about how different types of loans work — and researching specific lenders and their terms in detail — is essential before taking out a loan. You need to know, for example, that installment loans found online can have higher interest rates, and that payday loans often have highly predatory interest rates.

 

Research can ensure that you end up borrowing from an ethical and reputable lender, if you do in fact have to borrow.

 

But the same principle applies to more “everyday” expenses, too. If you need a new washing machine, shop around and compare prices and features. Don’t just shell out for the first shiny device you see.

 

Quit the unhealthy habits

 

Smoking cigarettes and excessively drinking alcohol are two of the most common vices that people have, and both are not only a tremendously harmful to your health, but are also tremendously harmful to your bank account.

 

Nonetheless, many people keep losing huge amounts of money to these unhealthy habits on a regular basis, often because they simply don’t have the right tools available to help motivate and guide them to quitting.

 

In this regard, Allen Carr’s Easyway method has proven affordable, and very effective, for many people.

 

Perhaps you frequently drink more than you should when you meet up with friends in town, because it’s a cornerstone of your social life, and you’re nervous that you might not be able to have fun without it.

 

But in these cases, facing up to this hard situation and finding ways to thrive without the drink can really make all the difference. Not only will you be healthier, you’ll also stop losing whole weekends to hangovers, and you’ll save a lot of money for travelling, hobbies, and more.

 

Become more mindful with your money, look into budgeting tools

 

A lot of money is lost in most people’s lives, simply because they aren’t very good at budgeting, and remaining mindful about how they spend the money they do make.

 

There’s an old saying that says “what gets measured, gets improved”. Usually, this quote refers to the fact that systems in a business tend to become more efficient when they’re more focused. But the same thing applies to personal money management, too.

 

Simply using a popular and effective budgeting tool, like You Need a Budget, allows you to become effortlessly more insightful about your personal spending, and makes it a lot harder to psychologically justify a wasteful approach to your earnings.

 

When you have to plan and account for what happens to every dollar, you’re more likely to be emotionally resistant to the idea of binge-shopping when you walk past a sale at the store.

 

Saving Money on Your Energy Bill This Winter

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With winter now just around the corner, this article offers six ways to save money on your energy bill this winter, which is a topic of great importance for many people on a budget, and those that are environmentally conscious.

 

  1. TURN DOWN THE THERMOSTAT

When you feel cold, your instinct is often to turn up the thermostat to a very high setting, which means you get used to this temperature as a ‘norm’, but this norm is not what is necessary to keep you warm – it’s what you’ve become acclimated to.

 

For this reason, consider turning down the thermostat a few degrees and keeping your home at a constant comfortable temperature rather than turning it up and down in response to coming on from the cold.

 

  1. MAKE USE OF A TIMER

The majority of modern thermostats come with the option to programme a timer – meaning the heating doesn’t need to be on all day, it can come on just before you get home, perhaps go off at night (when you’re snuggled up in bed) and kick in just before you wake to ensure the house feels nice and warm for when you get up.

 

  1. LIMIT THE NUMBER OF ROOMS YOU HEAT

If there are a couple of rooms that you don’t tend to use very often, you want to shut the door, and keep these as rooms that you don’t heat.  This way, by only heating the rooms you use, you are going to save a lot of energy on heating rooms unnecessarily. This is particularly true if you live in a large house.

 

  1. PUT DOWN WELL INSULATED CARPET

We all know that insulation is everything when it comes to saving money on your energy bills.  You might want to head to carpettogo.com/carpet-bellevue-wa/ in order to get some thick and plush carpet with decent insulation that protects the heat from escaping through the floorboards.

 

  1. CLOSE RANGE HEAT

The idea of taking a hot water bottle to bed might feel like something only children do, but it provides a source of heat that is very energy efficient and serves a purpose in terms of providing a close range source of heat to keep you warm as you get into bed.

 

The downside of a hot water bottle, however, is that it loses heat throughout the night – whereas a more modern electric blanket keeps you warm throughout the night.  Furthermore, some electric blankets have the function to track your sleep and body temperature to vary how much heat it exudes, whilst many, are now dual zoned electric blankets in that each person sharing a double bed can control how much heat is exuded from their side.

 

  1.  WEAR MORE CLOTHES

Whilst it is a very obvious solution, it’s one that’s often overlooked, but wearing more clothes in winter when you’re at home is the most environmentally friendly and cost friendly way to save money on your energy bills.  The thing is, we often heat our homes but then walk around in shorts and t-shirt; as if it were summer. If you simply add a few layers of clothing it can save a lot of money.

 

Designing A More Lounge-Friendly Home

Many modern homes don’t actually have a lounge. The basics downstairs rooms are the kitchen, living room, dining area and that’s about it. You could possibly also have a downstairs bathroom but that is subject to the individual home. So when you don’t have a lounge room, nothing feels like it’s missing. Only when you enter into the great country manor houses do you see that rooms that are specifically designed for lounging are incredibly alluring. For one, they are prestigious by their nature, it’s a place to unwind but not necessarily fall asleep in. You get to sit back and relax, read or contemplate. These kinds of rooms are often called the smoke room or tea room in the manor houses. You can design your own lounge room but this could possibly mean you have to get rid of one room entirely. The dining area can be merged with the kitchen, but you may not want to do that since you have a large family. There are other ways you can make your home more of a place to lounge around in.

 

 

Lying back lounging

 

There are so many different lounge chair options that one could easily forget that there are sofas designed specifically for lounging also. Indeed the corner sofa is an option but that is more so for the living room despite it having some lounge qualities like a pull-up footrest and headrests also. However, what you may want to look into is the daybed sofa. It’s furniture that is half a normal sofa and half a flat lounge piece. The backrest is usually cushioned, as are the armrests but the seating is completely flat. It’s not uncommon to have a corner extension also which means you fully lie down on the sofa. Perfect for a short nap, reading or just browsing around on your laptop. Correct posture is of no concern on a daybed sofa.

 

 

Way back sophistication

 

The Eames were ahead of their time. They designed one of the best lounge chairs of all time way back in the 1950s. Quite incredible to think that something that was made and thought of over half a century ago still holds a lot of power in any lounge room. If you haven’t heard of the Eames, no doubt you will have already seen Eames furniture. You can buy the famous Eames Lounge Chair online, and it’s best to do so from a specialist seller. Consider the white 2018 Herman Miller Eames Lounge chair along with an Ottoman seating and or footstool. The leather is in a pear white while the outer material is from wood. The design of the chair itself is lent back so it has been purposefully designed for you to foist your weight backwards and stretch your legs out onto the Ottoman. Sophistication from the 1950s that still lives on strong today.

 

Having a lounge room is a very special thing in your home. It’s a room that is there to totally relax you, allow you to put anything in it that will lower your blood pressure and ease your mind. Consider a daybed sofa and an Eames lounge chair for your own home if you want to relax in style.

 

What To Do When The House Is Fit To Burst

For a lot of families, space is a huge issue. The problem isn’t that there is some, it’s that there is none. We live in a time where more people demand micro-sized homes fit enough to sleep in but not much else. The thing is, it’s hard to make the space comfortable when you don’t have enough of it to go with.

 

Your family is expanding naturally, and the house is starting to become cramped and fit to burst, which means that you need to make some decisions. You can choose to start looking at bigger homes for sale, shopping around for one that’s going to better suit your needs, or you could think differently and start working on the space that you do have. Sometimes, limited space gives you the chance to get clever and creative with the way that you use it. After all, it’s about controlling the space that you have and knowing how to use what your house has to your advantage. Below, you’ll find some of the best options for home expansion this year.

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Replace The Furniture. When you think about it, the house itself is likely the right size. However, you’ve spent the years filling it with oversize furniture that has sucked up all the floor space. If you take the furniture out, you’ve got the shell of your home to see what truly does take up all the room. If you replace the huge sofas and the giant units with smaller options, you might find that you had more room than you thought.

Double Up. Furniture always has a function, but if you could maximise that function by doubling up, wouldn’t you? So, divan bed bases with storage underneath, window box seats that double as a space to keep folded chairs for the dining table. You could even have a coffee table chest which keeps books inside.

Declutter. Clutter is the bane of every household; it takes up a lot of space and it’s just not very nice to look at. We are natural hoarders for sentimental items, but if yours are taking up so much space that finding room to breathe is hard, then you need a rethink. If you haven’t used something in six months, then you don’t need to keep it. This mentality can keep you sane when you are trying to make room in your home.

Take Down Walls. If you have walls that you can tear down, and your budget permits it, then do it. The budget will have to make allowances here, but walls can really dictate the size of each room and if you can remove some and create space, then it’s simply going to be better for your home and your continued comfort.

 

There are a lot of ways that you can add a few extra inches to the house, giving you the much-needed space that you want to achieve. Any alterations to your home should be looked over by an expert if they are removing any walls or disrupting pipework or electronics.

How To Spend Less On Car Insurance

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Car insurance is one of the biggest costs of being a driver and it’s a cost that is continuing to go up. If you’re tired of expensive car insurance payments, here are a few tricks that could help you to spend less no matter what your vehicle is.

 

Shop around

 

Many drivers are eager to cling onto their no-claims bonus, but sometimes it pays more to switch. When looking for cheap car insurance near me, I tend to use comparison sites. These are the best way to collect lots of quotes quickly and find the cheapest deal.

 

Up your deductible

 

A deductible is the amount that you’re willing to pay out of your own pocket in the event of a claim. If you’re not accident-prone, opting for a high deductible could be a good idea – it can considerably decrease your rates in some cases.

 

Park off-road

 

You may also be able to save money by not parking on the curb. If you’ve got a garage or driveway, consider making use of it as it could save you money. The same applies to private carparks for apartment buildings.

 

Take care with your job title

 

Certain job titles may trigger warnings to insurers that suggest that you are a high-risk driver, so be careful as to which title you use. Certain job titles such as ‘car salesman’ and ‘racing driver’ are expensive due to their nature involving cars, whilst a professional like ‘DJ’ is also expensive as DJs often must park near bars where vandalism is more common. Sometimes changing the wording of your job title can make a difference such as choosing ‘writer’ over ‘journalist’ (journalists are stereotyped as travelling around the country looking for stories whilst writers work from home, even though the reality is that both probably work from home).  

 

Look into bundle deals

 

Sometimes you can save money by taking out a bundle deal. For example, getting insurance for your home and your car can sometimes lower costs. Meanwhile, having multiple family members on one insurance scheme may make things cheaper for some of the family members (although more expensive for others).

 

Pay annually

 

One annual payment is usual equivalent in cost to eleven monthly payments. In essence, you could be getting a month’s free insurance by paying annually. Few people can pay such large instalments out of pocket, but by putting money each month into a savings account and paying out of here, you might be able to afford it.

 

Consider a black box

 

Black box insurance is a drastic measure, but it can bring down your insurance rates dramatically. It basically involves putting a black box in your vehicle which monitors your driving and control of speed. If you prove that you can drive safely, your insurer will reward you by charging discounted rates. This type of insurance has become common amongst new drivers.

 

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