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Apache is functioning normally

September 7, 2023 by Brett Tams

As an Amazon Associate I earn from qualifying purchases.

Looking for the perfect blend of comfort and affordability in Northwest Washington, DC? Look no further than Dahlia Apartments, nestled in the heart of the historic Takoma neighborhood. These recently renovated studio apartments offer an unbeatable living experience, and right now, you can enjoy one month free when you rent one of these gems!

Spacious Apartment Living in the Heart of DC

Dahlia Apartments offer a range of studio apartments that have been thoughtfully designed to maximize your comfort and convenience. Each studio boasts spacious floor plans and generous closet space, ensuring you have room for all your belongings. The pet-friendly policy means you can bring your furry friend along for the adventure.

Inside your studio apartment, you’ll find a range of modern features that make daily living a breeze. The gas range allows you to whip up your favorite meals with ease, and the stunning picture windows flood your space with natural light, creating a warm and inviting atmosphere.

Modern Upgrades for a Contemporary Lifestyle

Dahlia Apartments have recently undergone a transformation to bring you upgraded features that enhance your living experience. From upgraded lighting fixtures to gooseneck faucets, every detail has been carefully chosen to elevate your daily life.

The modern cabinetry not only adds style to your kitchen but also provides ample storage space for all your culinary needs. You’ll also appreciate the convenience of a microwave and dishwasher, making meal prep and clean-up a breeze.

Affordable Living Made Easy

At Dahlia Apartments, affordability doesn’t mean sacrificing convenience. Your rent includes water, sewer, and trash payments, simplifying your financial responsibilities. Paying rent is hassle-free with the option to pay online, and you can rest easy knowing that these apartments offer unbeatable value in a prime location.

Dahlia Apartments focus on providing comfortable and affordable living spaces without the frills. This approach ensures that you get the best value for your money in one of DC’s most cherished neighborhoods.

Special Offer: One Month Free!

Right now, Dahlia Apartments is offering a special deal you won’t want to miss. Rent one of their fully renovated studio apartments for just $1,750 per month, and enjoy the added bonus of one month free. This limited-time offer makes the prospect of living in the heart of Takoma even more enticing.

So, if you’re in search of an affordable, comfortable, and conveniently located studio apartment in Washington, DC, Dahlia Apartments should be at the top of your list. Don’t miss out on this opportunity to enjoy one month free and make the Takoma neighborhood your new home. Contact Dahlia Apartments today to schedule a tour and secure your slice of DC living at its finest.

Take a tour


Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates. Rental providers will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.

Source: blog.apartminty.com

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Apache is functioning normally

August 14, 2023 by Brett Tams

Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!

Moving into your first apartment is an exciting time!

You’re finally out on your own, and you get to decorate and furnish your space however you want.

But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.

This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.

So what are you waiting for? Let’s get started!

My First Apartment Mistakes

Moving into your first apartment indeed marks an exciting milestone in life.

However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.

It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.

Here are some aspects to consider:

  • It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
  • Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
  • Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.

Your home is meant to give comfort, not financial stress.

The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.

Learn is $5000 enough to move out?

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Big Items for Your First Apartment Checklist

You’re finally out of your parents’ house and ready to start your own life. Congrats!

This is an important step when you want to move out at 18.

Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.

This is where to focus your money or look to find free items.

1. Mattress

Living in your first apartment?

Do not underestimate the importance of a good mattress.

It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.

Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.

2. Bed Frame & Headboard

You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.

In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.

Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.

3. Couch

Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.

When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:

For those living by themselves:

  • A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
  • Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
  • Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.

If you are planning to live with a roommate:

  • You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
  • To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
  • Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.

Whether you choose new or used, ensure that the couch fulfills your needs.

4. End Tables and Lamps

End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.

There are many reasons why they should be on every first apartment checklist.

  • Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
  • Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
  • Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.

More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.

5. Dining Room Table

Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.

Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.

Here’s a step-by-step guide to help you find your ideal fit:

  • Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
  • Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
  • Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.

Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.

A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!

6. Kitchenware

Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.

To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.

  • Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
  • Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
  • Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.

These are the basic items for a minimalistic kitchen.

7. Patio Furniture

Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:

Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.

Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.

8. Grill

One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.

Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.

Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.

Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.

9. Storage Items

Stepping into your first apartment, huh? The organization will be your closest ally.

Crisp and neat storage items can help you stay clutter-free and make your space feel like home.

This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.

10. Decor

Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.

You want the decor to reflect your style, but the cost may be more than you can afford.

Enter thrift shopping for some of your favorite items.

You can always splurge on that one item you want!

How do I prepare for my first apartment?

Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.

Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.

Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.

Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.

First Apartment Checklist for Bedroom

Ready to move into your first apartment and need help setting up your bedroom?

This checklist will ensure you won’t miss any essentials.

  • Bed: Choose a full or queen-size bed to maximize space.
  • Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
  • Nightstand: You need this to place essentials like a reading lamp and a glass of water.
  • Dresser: An essential piece of furniture for your clothing storage.
  • Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
  • Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
  • Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.

Remember every space is unique, tailor this list to your needs and budget.

First Apartment Checklist for Kitchen

As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.

Here’s a lifesaver list of must-haves:

Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!

First Apartment Checklist for Living Room

When setting up your first apartment living room, remember to shop for these essential items:

  • A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
  • Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
  • Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
  • Extra Seating: More seats for more guests.
  • Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
  • Decorative Pillows and Throw Blankets: For aesthetics and comfort.
  • Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.

Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.

Technology for Your First Apartment

In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.

These add convenience, entertainment, and a sense of security to your cozy abode.

  • Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
  • Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
  • Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
  • Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
  • Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
  • Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.

Thankfully prices have dropped significantly on TVs since I bought my first one!

First Apartment Checklist for Bathroom

One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:

Cleaning Your First Apartment

Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!

Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.

Now, let’s dig into your basic apartment clean-up kit:

Honestly, these frugal green items are perfect to keep things clean and on budget.

Things you need for an apartment that you wouldn’t think of

Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.

Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.

  • Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
  • Hangers: You’ll need more of these than you think for your wardrobe.
  • Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
  • Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
  • Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
  • Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
  • First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
  • Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
  • Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
  • Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
  • Fire Extinguisher: Better to be safe than sorry!
  • Carbon Monoxide Detector: Extremely important to have in your apartment
  • Duct Tape: It solves every DIY project – while almost any.
  • Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.

Renter’s insurance is instrumental for various reasons

It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.

Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.

How do I budget for my first apartment?

Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.

Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.

Step 1: Make a Budget

Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.

  1. Begin by detailing your annual net income.
  2. Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
  3. Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
  4. Make sure your expenses are less than your income.

While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.

If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.

Step 2: Save Money

Saving money and living frugally requires strategic thinking and discipline.

Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.

Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.

The 100 envelope challenge is extremely popular!

Step 3: Start a Side Hustle

Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.

Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.

Here are ways to make money online for beginners.

First Apartment Tips

Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.

1. Make a list of apartment essentials

A list of apartment essentials plays a crucial role, particularly for first-time movers.

The benefits and significance cannot be overstated. Here’s why:

  • Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
  • Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
  • Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
  • Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.

Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.

2. Consider your budget

Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc

Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.

Learn the ideal household percentages.

3. Research apartments

Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.

Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.

Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.

4. Check apartment listings for features and amenities

When searching for the perfect apartment, consider features and amenities that align with your lifestyle.

If there is a sym space, you could eliminate your monthly gym membership.

Just make sure the cost of the upgraded amenities is worth the price tag.

While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.

5. Think about the size and layout of the apartment

Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.

Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.

Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.

6. Look for apartments with good security

When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.

  • Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
  • Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
  • Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
  • Verify the cell phone reception inside the apartment for any emergency calls.
  • Lastly, always ensure that the parking area is secure and well-lit.

Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.

7. Make sure you get a good deal

Before signing a lease, it’s crucial to ensure the rent price is a good deal.

According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.

8. Talk to the management and make sure you understand the rules

Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.

It is important you understand your lease as it is a binding contract.

First Apartment Checklist PDF

Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.

Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!

FAQ

Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.

  • Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
  • Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
  • Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
  • Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.

The comfort and safety of your new apartment rely hugely on these checks.

When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.

For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.

Keep in mind, this amount should cover:

  • Your rent
  • Utilities (unless they’re included in your rent)
  • Rental insurance

It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.

Now Get Moving with your Apartment Shopping List!

In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.

It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.

It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.

Remember, be mindful of your budget and prioritize based on your specific needs and preferences.

And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.

With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Posted in: Money Management, Money Tips Tagged: 2, 2015, 2019, About, adventure, affordable, age, aid, All, AllY, Amazon, Amenities, apartment, apartment checklist, Apartment Living, apartment shopping, apartment tips, apartments, appliances, art, ask, balance, Bank, barbecue, basic, bathroom, bed, bedding, bedroom, before, Benefits, best, big, bills, blankets, Books, bookshelves, Budget, Budgeting, Budgeting and Saving Money, burnout, Buy, Buying, cabinets, car, Census Bureau, chair, checklist, Choices, Clean, cleaning, Closet, Clothing, clutter, coffee, coffee table, commission, Conferences, containers, Convenience, cooking, cost, couch, couple, cozy, craigslist, create a budget, creativity, Credit, credit card, cut, dark, data, decision, decisions, Decor, decorate, Deposits, design, desk, Digital, dining, dining room, disclosure, DIY, doors, dream, eBay, efficient, Electronics, Emergency, entertaining, Entertainment, Essentials, event, expense, expenses, expensive, experience, experts, facebook, Family, faq, Features, finances, financial, Financial stress, Financial Wize, FinancialWize, fire, fire safety, first, first apartment, floor, food, foundation, Free, friendly, frugal, Frugal Living, fun, furniture, gadgets, garage, garage sales, gas, get started, glasses, good, great, green, Grill, Grilling, grills, grocery, grocery stores, guests, guide, gym, gym membership, health, healthcare, home, Home Decor, house, household, Household appliances, houseplants, Hulu, hunting, ideas, in, Income, Inquiries, Insurance, interior design, internet, Invest, Investing, investment, items, journey, kitchen, kitchen supplies, lamps, landlord, layout, Learn, learned, lease, Lease Terms, liability, Life, Lifestyle, lighting, Links, list, Listings, lists, Live, Living, living room, Loans, locks, LOWER, luck, magazines, Make, Make Money, Make money online, making, manage, market, married, me, meal prep, measure, Miscellaneous, Mistakes, modern, money, Money Management, More, Move, Movers, movies, Moving, moving checklist, moving costs, Music, must-haves, neat, needs, neighborhood, neighbors, net income, netflix, new, new apartment, new home, News, nightstand, offer, offers, office, or, organization, Other, outdoor, outdoor entertaining, PACE, paper, parents, party, patience, patio, patterns, paycheck, payments, peace, Personal, personal finances, Personal Style, personality, pillows, place, plan, Planning, planning a move, plans, plants, play, Popular, potential, prep, price, Prices, project, protection, Purchase, quality, quiet, reach, read, reading, ready, Relaxation, Rent, rental, renter, renters, renting, Repairs, resale, Research, right, Roku, room, roommate, safe, safety, sales, Sanctuary, save, Save Money, Saving, saving money, School, school loans, searching, seating, second, security, shopping, shopping list, Side, Side Hustle, Side Hustles, side tables, simple, sleep, small spaces, smart, smoke, smoke detectors, social, society, sofa, space, Spending, Spending Wisely, splurge, Sports, square, stains, storage, storage solutions, streaming, stress, studying, Style, styling, summer, tax, taxes, Tech, Technology, tenant, The Neighborhood, theft, thrift, time, tips, tools, tour, traditional, Transportation, tv, TV Shows, U.S. Census Bureau, unique, US, utilities, value, Video, wall, wardrobe, Ways to make money, Websites, wi, Wi-Fi, WiFi, will, window treatments, windows, work, working, Yard, youtube

Apache is functioning normally

July 21, 2023 by Brett Tams

Chicago Bulls star Zach LaVine has purchased a Southern California beachfront mansion for $34 million, according to The Real Deal. 

The 11,200-square-foot, six-bedroom, seven-bathroom, Tuscan-style villa is in a gated community in Newport Coast, CA.

Views from all angles

Built in 2010, the mansion offers panoramic Pacific Ocean views, while its manicured lawns and meticulously placed shrubbery create a resortlike feel.  

A stone walkway at the home’s entrance leads to an oversized, arched doorway. 

Exterior

(Realtor.com)

Front walkway with arched door and pillars

(Realtor.com)

Pacific Ocean views

(Realtor.com)

It’s all in the details

Inside, a dramatic staircase with marble steps, a rustic chandelier, and small sitting area make for a high-impact entry.

The large kitchen has a spacious center island, wooden cabinetry, and beamed ceilings. Marble countertops provide plenty of space for meal prep, and the bar seating is perfect for guests. 

A separate dining area with a fireplace and hardwood floors is the ideal backdrop for holiday dinners and formal gatherings.

The abundant arched doorways throughout the home are a delightful design detail.

A sweeping staircase with a chandelier

(Realtor.com)

A spacious kitchen with wooden cabinets, beamed ceilings, and plenty prep space

(Realtor.com)

Bar seating and a separate dining area

(Realtor.com)

A luxe dining room with a fireplace and bar area

(Realtor.com)

Luxurious yet relaxed

The estate also has plenty of luxe sitting and lounge areas. Some of these spaces boast marble fireplaces, while others feature beamed ceilings. One sitting area even opens to a pool room outfitted with a modern chandelier. 

Living room with fireplace and beamed ceilings

(Realtor.com)

Sitting area with private balcony

(Realtor.com)

Pool room with arched doorways

(Realtor.com)

Royal treatment

The bedrooms are fit for royalty. Between spacious balconies, private patios, and, yes, more fireplaces, you might never want to leave these sleeping quarters.

And with six bedrooms, there’s more than enough room here for overnight guests.

Main bedroom with fireplace and sitting area

(Realtor.com)

Bedroom with patio area and wood detailing

(Realtor.com)

Spa-inspired amenities

You’ll feel as if you’re at a five-star spa when you use any of this home’s bathrooms

Breathtaking and massive, these incredible washrooms have multiple vanities, carved wood doors, and cavernous tubs. 

Bathroom with spa-inspired amenities

(Realtor.com)

But wait, there’s more

And that’s not all. Additional amenities include a home theater, gym, golf simulator, and built-in whirlpool. 

The main bedroom suite’s heated floors and retractable television round out the extravagance.

Outdoor pools with shaded sitting areas

(Realtor.com)

Large garage

(Realtor.com)

There’s a built-in whirlpool with gorgeous views.

(Realtor.com)

LaVine, 28, has starred as a shooting guard for the Chicago Bulls since 2017. The high-scoring shooter has made two All-Star teams but has yet to lead the Bulls on a deep playoff run.

Source: realtor.com

Posted in: Moving Guide Tagged: 2017, All, Amenities, bar, Basketball, bathroom, beach, bedroom, Bedrooms, Built, ca, cabinets, california, ceilings, chicago, design, dining, dining room, doors, entry, estate, Financial Wize, FinancialWize, fireplace, fireplaces, front, garage, guests, gym, hardwood, hardwood floors, holiday, home, impact, in, kitchen, Living, living room, Main, Make, marble, meal prep, modern, More, offers, outdoor, overnight guests, patio, Patios, pool, prep, realtor, Realtor.com, room, seating, southern california, spa, space, square, Style, suite, television, The Real Deal, wood

Apache is functioning normally

June 27, 2023 by Brett Tams
Apache is functioning normally

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  • Unique Gift Ideas for Someone Who Has Everything
  • Final Word

Some people are just impossible to shop for. Maybe they already have everything, or maybe they have everything they need.

I take minimalism to new heights, and it drives my family crazy come Christmastime. Bad news for my family; good news for you. That makes me the perfect person to walk you through this.

It’s true that hard-to-shop-for people require some extra creativity during gift-giving season. Fortunately, it’s easier than ever to buy outstanding gifts for even the most challenging recipients.

Unique Gift Ideas for Someone Who Has Everything

Forget the usual humdrum gifts. These gift ideas are customizable to your budget and recipient’s hobbies and interests. This time around, give them something they actually want, no matter their age or how difficult they are to shop for.

1. An Educational Project Subscription

There are loads of education projects available on the internet if you’d like to try your hand at DIY. But those without the time nor inclination can sign up for a one-time box or subscription service.

For example, KiwiCo is a parent- and kid-friendly subscription service that delivers enriching art and science projects right to your door each month. Simply choose an age group-based project line, pick your plan, and expect the first crate within days. You can pause or cancel anytime.

Project lines range from Panda (0 to 24 months) and Kiwi (2 to 4 years) all the way up to Eureka (12 to 100 years) and Maker (14 to 100 years). And if you don’t want a monthly commitment, you can order a one-off project crate.


2. A Fun Membership or Subscription

You can give your loved one access to a year’s worth of entertainment through a video streaming service like Netflix, Hulu, Disney+, or Amazon Prime Video. If they’re a book or music lover, give them an audiobook service like Audible, or a music service like Spotify or Sirius XM.

For friends with kids, opt for a membership to a local children’s museum, kid-centered gymnasium, zoo, or aquarium. Really, you can give a membership to anything from Costco to AAA to magazine subscriptions.

A subscription box membership is an irresistible gift that keeps on giving. My Subscription Addiction is the place to find boxes for just about any interest and budget.

Not sure where to start? Choose a club or association that would mean something to your recipient, and then contact them to ask if they offer gift memberships for purchase. Every time the recipient accesses their membership benefits, they’ll think of you.


3. A Virtual Assistant

Money is a renewable resource, but time is not.

A virtual assistant can help take a wide range of chores off your recipient’s plate: repetitive work tasks, contacting customer service departments, managing their inbox, bookkeeping, scheduling, travel planning — the list goes on.

A VA can give them back their time by doing whatever scutwork your recipient was planning to do next Saturday morning while the kids were watching cartoons. They can then spend it with their family, doing their favorite hobby, or just catching up on much-needed sleep.

Best of all, once they get over the initial awkwardness of delegating their personal chores to a virtual assistant, they can start regaining time for themselves every single week by continuing to work with their VA.

BELAY and WoodBows are full-service VA placement companies, or you can hire a virtual assistant directly through a freelance website like Fiverr or Upwork. It’s the perfect last-minute gift to buy and print instantly.

4. An Experience

Those of us who have enough stuff don’t need (or want) another knickknack to clutter up our living rooms or another toy to play with for a day or two and then set aside.

Think beyond the physical and give an experience instead. When you prepay for an event or experience, your loved one gets a fun adventure to remember and possibly gains new skills and memories — all of which are much more valuable than a new iPhone speaker or pair of shoes. It’s also a more thoughtful gift, showing you took the time to plan something for them rather than buying them another bland gift set.

Experience gifts can include:

Check out Groupon and LivingSocial for experience-based gifts for any budget. If you’ve got something specific in mind, looking for a site dedicated to those experiences opens up a world of possibilities. For example, Traveling Spoon has delectable food experiences and Context Travel lets you in on one-of-a-kind local-led walking tours in your favorite cities. And for some people, that last one can be a fun way to see the city where you live in a whole new way, through someone else’s eyes.

5. Gift Cards

Some people think gift cards are a cop-out, but consider this: People who have everything clearly know what they want. Why force a gift on them now? With a gift card, they can treat themselves whenever they’re ready.

There’s no shame in buying someone a gift card or gift certificate for their favorite store or activity. It shows you pay attention to their preferences while acknowledging they prefer to shop for themselves. Whether it’s for their favorite clothing store or a new restaurant, a gift card tells the recipient the gift is truly about them and not your need to show off your creativity.

Stop thinking about the kind of gift you’d rather give, and buy them the kind of gift they’d rather receive.

6. A Night Out

Everyone needs a night out sometimes — single people, coupled people, rather-be-with-their-pet people. There are only so many nights in a row you can stay in and watch Netflix.

Plan a date night or night out for your recipient, from start to finish. It could include a dinner reservation and gift card, pre- or post-dinner cocktails at a swanky bar, movie tickets, theater or sporting event tickets, transportation, even tickets to a fundraiser gala. The important point is you do all the logistical planning for them so all they have to do is gussy themselves up and stroll out the door.

Finally, if your recipient has young children, don’t forget to plan for babysitting with someone they already know and trust. Hint, hint.

7. Babysitter Service

Parents of young children need nights — and days — out more than anyone. Give them the gift of breathing room and time to just worry about themselves for once. You can hire a sitter you know and trust or go through a service like Sittercity.com or Care.com.

Just remember that many parents feel anxious about leaving their kids with anyone other than sitters they’ve used before. So you may need to do a little sleuthing to find those people and arrange their services. Or you can offer your own services.

Even if you don’t plan anything else for their day or night out, hiring a sitter can give your loved one the excuse they were looking for to get out of the house for some me-time.

8. Home Cleaning Service

The last thing most of us want to do when we’re not working is scrub our toilets and shower tiles. A home cleaning service offers one more option for helping your recipient reclaim lost time.

You can hire a local or nationwide cleaning service. Your recipient gets a cleaner home, a happier relationship, and their weekend back to spend however they like. Win, win, win.

9. Meal Kit Delivery Service

Meal kit delivery services provide all the ingredients for meals with easy-to-follow recipes. They’re convenient, they’re easy, they save trips to the grocery store, and they can help dieters make healthier food choices without the headache of calorie-counting apps.

Due to their meteoric rise in popularity, you have plenty of meal kit delivery services to choose from, from Hello Fresh to Blue Apron to Hungryroot.

10. Cooking Classes

Alternatively, some people would cook more at home if they felt more confident in the kitchen.

Cooking classes from places like Sur La Table cover a wide range of cooking skills. They cover basics like meal prep and how to use kitchen utensils. For intermediate cooks, there are lessons on how to cook quickly and efficiently with appliances like pressure cookers and air fryers. Advanced cooks to opt for lessons like pairing wines with food.

Or look for a specialty class, such as King Arthur Baking’s school, where they have a class or three almost every day in subjects like pizza, bread-making, and cookies.

Besides being a fun experience gift for foodies, cooking classes can truly transform your recipient’s and their family’s lives. I confess I wish someone had given my mother a cooking class or two when I was growing up.

11. A Personalized Gift

When someone already has everything, a personal touch can mean the difference between just another gift and something truly meaningful. When you order something engraved, embroidered, or otherwise designed specifically for your recipient, you show you’ve put real thought and effort into finding the perfect gift.

Personalized gifts don’t need to be flashy or expensive. A few ideas to get your creativity flowing include:

  • Photo socks
  • A keychain with important dates (such as anniversaries or birthdays) listed on it
  • A leather journal with an embossed name or message
  • Personalized jewelry
  • An engraved flask
  • Engraved wine glasses
  • A personalized wooden cutting board

12. Name a Star After Them

This gift idea nears the red zone between sweet and hokey. Yet you’d be surprised how many people find it romantic. After all, who doesn’t love the idea of being immortalized?

Several services enable you to exclusively name stars after your loved ones. Check out the Online Star Register and CosmoNova for two reputable options.

Be prepared to break out a star map and a telescope to point out the exact star to your recipient. Mark the occasion with a glass of Champagne to up the romance factor.

13. A Bluetooth Record Player

For the audiophile or hipster on your gift list, it’s hard to go wrong with a vintage vinyl player.

Modern record players make a fun gift for people who enjoy gadgets. You can opt for a vintage-style Bluetooth turntable or go a little higher-end with a fully automatic modern record player. The choice is yours.

Add to the gift by including a vinyl version of your recipient’s favorite album.

14. Noise-Canceling Headphones

One Christmas, I splurged and bought myself a pair of quality noise-canceling headphones.

I don’t know how I lived without them in the loud shared office where I work. It’s like wrapping myself in my own personal sound bubble. Sometimes, I turn them on with no music playing just to enjoy the relative silence.

And the good news is you can buy noise-canceling headphones on any budget.

15. A Scratch Map

My wife is an international educator, as are most of our friends overseas. We all love international travel, and most of us keep scratch maps to visually track our journeys.

Like scratch-off lottery tickets, scratch maps come with all countries coated with silver or gold scratch ink. As you visit a country, you scratch it off the map. For the travel lover on your list, it makes a fun and inexpensive gift.

I like a vintage-looking scratch map that looks like it fell off a museum’s shelf. Scratch maps that distinguish between states in countries like the US, Brazil, and China help you be more specific about your travels.

You can’t go wrong with a scratch map as one of the best travel gifts for men or women.

16. Airline Tickets

If you have a more sizable budget, book airline tickets or a dream trip to help your wanderlust recipient widen their horizons and push past their comfort zone.

Unlike the sweater you gave them last year, it will make for a gift they’ll never forget. But this is one time you’ll want to involve them in the process to ensure the dates work for them and you book a destination they want to visit.

17. Travel Accommodations

If someone’s already handled the travel, book them one or more nights’ accommodations.

There are plenty of affordable alternatives to hotels, many of which prove far more authentic and memorable. I don’t remember most of the corporate hotel stays in my life, but I can remember every guest house in Eastern Europe, every bed and breakfast in South America, and every Airbnb stay in South Africa.

If your recipient would rather choose their accommodations themselves, you can buy gift cards for Airbnb or a major hotel chain.

18. A National Parks Pass

Give the rugged, outdoorsy recipient unlimited access to over 2,000 federal recreation sites, including national parks and forests.

An annual pass from the National Park Service is surprisingly affordable and makes particular sense for recipients who live near a park they love to visit. But it also serves as an excuse to travel the country and see more of its natural attractions.

For hikers, campers, backpackers, and nature lovers, an annual park pass makes a perfect gift.

19. A Lens Kit for Their Phone Camera

Mobile phone cameras have come a long way since the mid-2000s, rivaling the image quality of full digital cameras a decade ago. But they come with one major limitation: the lens. You can’t extend it to zoom, and you can’t swap it out for wide-angle shots.

Fortunately, you can now buy mobile phone lens kits. In seconds, you can snap on a zoom, wide-angle, or fish-eye lens to your phone’s camera. They’re tiny and light, making them perfect for travel photography when you’re traveling light.

Amazon has loads of lens kits to convert almost any smartphone into a versatile digital camera.

20. A 23andMe Genetic Test

You can learn a lot from a genetic test: useful insight such as health risks and predispositions, information about your family’s roots, and even amusing information such as celebrities with tenuous genetic links to you.

The person who already has all the stuff they want could still use a glimpse into their family’s past through 23andMe’s genetic testing kit.

It may spark a deep curiosity about their roots and kick off a journey of discovery.

21. A New Way to Clean Up

Toilet paper is yesterday’s news. Bidets are the wave — or stream — of the future. And assuming they use it regularly, your lucky recipient’s new post-business cleaning system will almost certainly cost less in the long run than the traditional method.

That’s especially true if you invest in the Tushy Classic 3.0, a built-to-last bidet that’s an absolute steal at just over $100. If you think your friend will wholeheartedly embrace a new way to clean up down there, consider going all-out and outfitting them with a comprehensive Tushy system featuring the Tushy Classic 3.0, Tushy Stand and eco-friendly bamboo tissues, Tushy Brush, and Tushy Ottoman (for better-angled business).

22. Headspace

Every week, it seems like a new study comes out with fresh data reaffirming the physical and emotional benefits of meditation. As someone who practices — or at least tries to practice — daily, I can attest that it helps you manage stress and maintain better control over your emotions and mindset.

But not everyone is ready to hop into a lotus position and start saying mantras. For many people, guided meditation helps them focus. The app stores overflow with guided meditation apps, but few can rival Headspace.

Headspace offers a wide range of guided meditation sessions at varying lengths. They also offer extras like courses, progress tracking, and exercise.

23. A Kitchen Herb Garden

There’s nothing better than fresh herbs in your cooking. But as an apartment dweller, I can’t just nip out back to pluck some fresh basil or thyme from my garden. And even if I had a backyard, I doubt I’d have the time to keep a proper herb garden.

The solution: a miniature kitchen herb garden. If your recipient doesn’t have the proper window orientation for natural light or doesn’t have the attention span to water herbs every day, they can use a small indoor garden kit that provides timed light and watering on automation. You can start them off with a down and dirty DIY herb garden kit or opt for a fully automated hydroponic model.

24. Food & Drink

Nowadays, I mostly give my family and friends consumables. They just don’t want more stuff. So I give upscale cheeses, wine, beer, cigars, and homemade foods. Choose consumable gifts well, and you know they’ll be appreciated and won’t go to waste.

25. A Brewing Kit

Give someone a beer, and you sate them for a day. Teach them how to make their own beer, and you sate them for life.

When you brew your own beer, you get to make fun and creative styles that suit your palette, whether that’s honey red ales, mouth-puckering sours, or vanilla bourbon barrel-aged imperial stouts.

Buy your recipient a beginner brewing kit if they’ve never brewed before, and give them the gift of a new hobby.

26. Stocks, Shares, or Crowdfunding Investments

Everyone needs investments if they ever hope to retire. For the person who has everything, consider the gift of an appreciating or passive income-producing asset.

That could include shares of individual stocks or exchange-traded funds, real estate investment trusts, or even real estate crowdfunding investments through Fundrise. If they’re new to investing and just need a bit of help, start them off with their own brokerage account by sitting down with them in person to help them open one with a company like SoFi Invest or Robinhood. Then, show them how buy their first shares.

27. A Charitable Donation

Donating to charity in lieu of a gift has come a long way in recent years thanks to services like GoFundMe and IndieGogo.

The trick to making a thoughtful donation lies in a single question: What would your friend donate to if they were choosing the organization? A recipient passionate about cancer research would probably love a donation to the American Cancer Society or Make-A-Wish Foundation. You can also use crowdfunding sites to find causes that hit closer to home, like giving money for a friend’s medical treatment or giving to a veteran via the Wounded Warrior Project.

You can opt to take the charitable donation tax deduction on your own tax return by dedicating the gift in your recipient’s honor. Or you can make the gift legally in the recipient’s name so they get the tax deduction if they itemize their deductions.

Your recipient may not need anything for themselves, but there are plenty of people in this world who do. Check out JustGive.org for a list of organizations perfect for gift donations.

Final Word

When someone already has everything they want and need, the real challenge lies in finding a way to show your love and appreciation rather than finding the perfect gift. After all, if it’s the thought that counts, then putting extra consideration into services, experiences, and gifts that show you care is much more valuable than the priciest present. So think outside the mall or gift baskets and come up with a gift that’s truly meaningful.

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G. Brian Davis is a real estate investor, personal finance writer, and travel addict mildly obsessed with FIRE. He spends nine months of the year in Abu Dhabi, and splits the rest of the year between his hometown of Baltimore and traveling the world.

Source: moneycrashers.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

Eating out—whether it’s at nice sit-down restaurants or a drive-through window—is one of the biggest leaks in a lot of people’s budgets, including mine. It’s an, albeit tasty, money suck. And to make matters worse, eating out gets harder to stop doing the more you do it.

If you need a little help breaking the cycle, here are 10 tips to stop eating out that actually work.

What’s Ahead:

Reasons to stop eating out (as often)

The biggest reason to stop getting takeout as often is saving money. Eating out is an expensive alternative to getting food at the grocery store (even if you don’t cook). A single person getting takeout for lunch or dinner five days a week might spend $100 without even realizing it while another person who ate at home would have spent a fraction of that.

Another reason is your health. Even if you feel like you’re making the healthiest choices possible when carrying out or dining out, restaurant meals are almost never as nutritious as your own food would be. And often, you don’t exactly know what’s in them.

So, how do you stop eating out?

1. Start small

As with any lifestyle change, the key to lasting success is to take baby steps. If you’re on a steady diet of Big Mac lunches and pizza dinners, try starting by trying to pack your lunch four days out of five. If you hit all five, great, but allow yourself some wiggle room.

The next week, cook dinner for yourself once (or at least avoid ordering or going out by getting some frozen pizzas at the store). Each week, do a little more. Pretty soon, you’ll find that eating out is the exception rather than the rule.

2. Avoid social pressures to eat out

If you spend a lot of money going out to sit-down restaurants, your habit may be more social than gastronomical in nature. Are you eating out with friends or your significant other? If a group of friends is the culprit, suggest dinner parties as an alternative. Or, grab a quick bite at home and meet the group after their meal.

3. When you do eat out, choose wisely

Be strategic about how you spend money when you are going out. At sit-down restaurants, desserts and alcoholic drinks tend to have the highest markups, so order them sparingly. Then, try to choose foods that will give you leftovers you can take home so you get two meals for the price of one.

4. Pack your lunch, but don’t ditch your break

Just because you bring your lunch to work doesn’t mean you should eat at your desk. When I used to eat lunches out almost daily, I savored the 10-minute drive to my favorite sandwich shop as a much-needed chance to get out and see the sun. Eat with coworkers in a common space, go outside, or even take it in your car and eat somewhere quiet if you have to! If you do eat at your desk, take at least 20 minutes to walk outside and get some fresh air.

5. Love your slow cooker

For anyone who doesn’t actually like to cook or doesn’t have the time in their busy schedule to stand over a stove, the slow cooker saves the day. The humble crock pot is the secret not only to a quick dinner but also to making your whole house smell amazing for hours. If you don’t have one, there are many inexpensive brands and models. You can often find these for sale at secondhand and thrift stores too.

6. Shop more frequently

If you’re making food for one or two, you might find yourself wasting ingredients often, which doesn’t exactly make you enjoy cooking. It can be hard to use up things like fresh produce and perishables before they go bad, especially if you start out the week with good intentions and end up too busy or tired to cook. Going shopping more often and buying smaller quantities is the key to eating out less and eating at home more.

Read more: How to save $100 a month on groceries

7. Meal prep

Meal prepping is the secret sauce. It can help you save time, eat healthier and achieve your fitness goals, and yes, stop eating out. Taking an hour or two one day a week to meal prep what you’re going to eat is worth it. Because later in the week when you don’t feel like cooking, you won’t have to. Even just prepping go-to ingredients like proteins, veggies, or side dishes is a game changer.

8. Try meal kits

If part of your problem with cooking at home is never knowing what to eat or not having time to think about it, meal kits can make your life easier. They come with pre-portioned ingredients so you don’t have to worry about wasting what you don’t finish, get shipped right to your door so you don’t have to go grocery shopping, and come with recipes and instructions for preparing impressive meals.

Read more: Best meal delivery kits of 2023: How they compare

9. Freeze, freeze, freeze

Learn to freeze foods and do it whenever possible. Freeze what you can’t eat and freeze extra food when you have time to spare. Meats, bread, even milk and some fruits and veggies can be frozen just fine. You can also make freezer meals so you always have quick meals for those long days when cooking is the last thing you want to do.

10. Make copycat meals

Restaurant meals are a whole different level of deliciousness, especially at your favorite spots. But if you didn’t already know there’s a whole corner of the internet devoted to “copycat meals,” or recreations of restaurant dishes, now you do. You’d be surprised how spot-on some of these recipes are. Bonus, you’ll know every single ingredient.

11. Make it special

When you get into a habit of eating out every night of the week, it becomes a little less exciting each time. The less frequently you get takeout and restaurant food, the more fun it will be when you do. Reserve this treat for date nights, special occasions, and celebrations.

Final thoughts

There’s nothing wrong with going out to restaurants once in a while or treating yourself to takeout. But eating out can quickly get expensive, and most restaurant meals aren’t known for being nutritious. Follow these tips for cooking at home more to avoid eating out as much and help yourself save money.

Source: moneyunder30.com

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Apache is functioning normally

June 2, 2023 by Brett Tams

Deciding how much to pay a babysitter can be a difficult task. Many factors should be taken into consideration, such as the age and experience of the babysitter, the number of children being cared for, the length and time of the job, and any special skills or tasks the babysitter may be performing. It may also be helpful to look at what other families in your area typically pay for similar services.

While it’s important to remember that while budget is important, you want to make sure that you are offering fair and competitive compensation for the sitter’s time and responsibilities. At the end of the day, trust your judgment and offer a rate that feels appropriate based on all factors involved. And don’t forget to factor in payment for gas or transportation if necessary! Ultimately, clear communication and mutual respect will go a long way in creating a successful babysitting arrangement for both parties involved.

Here are some general guidelines you can follow to make sure you’re paying a fair wage.

What are the average babysitting rates in 2022?

While rates vary depending on a number of factors, the national average hourly rate for babysitters in the United States in 2022 is $20.57 per hour, according to UrbanSitter.com.

Of course, rates can vary greatly depending on a number of factors, including your geographic location. Families in large metropolitan areas tend to pay higher rates than families in smaller towns or rural areas. Additionally, rates may be higher for overnight or live-in babysitting gigs, as well as for jobs that require special skills or tasks such as learning and educational babysitting, pet care, swimming supervision, or speaking a second language.

Additionally, keep in mind that the average hourly rate is just that – an average. Some families may be willing to pay above the average rate for an exceptional babysitter, while others may be working with a smaller budget and therefore offer a lower rate.

At the end of the day, it’s important to come to an agreement on compensation that feels fair for both parties involved based on all the factors involved in the job.

How do I figure out how much to pay my babysitter?

When trying to determine how much to pay your babysitter, it can be helpful to look at what other families in your area are paying for similar services. Of course, every family has different budget constraints, so you’ll want to tailor your own offer based on what you’re comfortable spending.

In general, you’ll want to consider the age and experience of the babysitter, the number of children being cared for, the length and time of the job, and any special skills or tasks the babysitter may be performing. Keep in mind that rates may be higher for overnight or live-in babysitting gigs, as well as for jobs that require special skills or tasks such as learning and educational babysitting, pet care, swimming supervision, or speaking a second language.

Additionally, with the price of gas, don’t forget to factor in a mileage reimbursement to cover gas or transportation

What do parents look for in a babysitter?

When looking for a babysitter, parents typically want someone who is reliable, mature, and responsible. They want someone who will follow their instructions and be able to take charge in case of an emergency. Additionally, many parents prefer to hire babysitters who have previous experience caring for children, whether through paid jobs or informally through family or friends.

Of course, every family is different, so it’s important to discuss your expectations with potential babysitters before hiring anyone. This way, you can be sure that you’re on the same page and that the babysitter you hire is the right fit for your family.

Looking for a printable babysitter form? Look no further! This form is perfect for parents who want to be sure the babysitter has the information they need to take care of your kids.

Download: Babysitter Form for Parents

What are some tips for negotiating pay with a potential babysitter?

When negotiating pay with a potential babysitter, it’s important, to be honest about your budget and expectations for the job. Be upfront about how much you’re willing to pay, as well as what tasks you’ll need the babysitter to perform. If you have any concerns or special requests, be sure to communicate these as well.

It can also be helpful to ask the babysitter what their rate is, as this will give you a starting point for negotiation. Remember that the average hourly rate for babysitters in the United States in 2022 is $20.57 per hour, so you’ll want to make sure you’re offering a competitive wage.

While we are all about pinching pennies here, at the end of the day, it’s important to come to an agreement on compensation that feels fair for both parties involved based on all the factors involved in the job.

Other Factors to Consider When Setting Your Rates for Child Care

How Old is the Babysitter?

The age of the babysitter is one important factor to consider when setting your rates. In general, older and more experienced babysitters will charge more per hour than those who are younger or just starting out.

However, it’s also important to remember that age doesn’t always equal experience. Some teenagers may have years of experience caring for children, while some adults may be new to the babysitting scene. It’s important to consider all qualifications when determining how much to pay your babysitter.

The Experience of the Babysitter

As we mentioned before, age isn’t the only thing to consider when it comes to experience. Some teenagers may have years of experience caring for children, while some adults may be new to the babysitting scene. It’s important to consider both age and experience when determining how much to pay your babysitter.

There’s a difference in experience, both in life skills and taking care of kids, between a neighbor’s teenage daughter and someone who has watched kids for years and is CPR and first-aid certified.

If you want to be sure that your children are in good hands, you may want to consider hiring a babysitter who has years of experience. These babysitters typically charge more per hour because they’re considered to be more reliable.

The Number of Children Being Cared For

Another factor to consider when setting your rates is the number of children being cared for. In general, the more children there are, the higher the hourly rate will be. This is because childcare providers have to divide their time and attention between multiple children, which can be challenging.

If you have more than one child, you may also want to consider hiring a babysitter who has experience caring for multiple children at once. This way, you can be sure that your children will be well taken care of and that they’ll have a more positive experience.

The Age of the Children

Another factor impacting the cost of a babysitter is the age of the children as infants and toddlers require more constant supervision and care than older children, so babysitters who are comfortable (and qualified) to care for them may charge a higher rate.

The Length of the Job

The length of the job is another important factor to consider when setting your rates. In general, shorter jobs will be less expensive than longer ones. This is because babysitters have to dedicate a larger portion of their time to shorter jobs.

If you only need a babysitter for a few hours, you may want to consider hiring someone who specializes in short-term care. These babysitters typically charge less per hour because they’re used to working for shorter periods of time.

The Time of Day or Night

The time of day or night is another factor to consider when setting your rates. In general, babysitting jobs that take place during the day will be less expensive than those that take place at night. This is because most people are available to work during the day, so there’s more competition for jobs.

If you need a babysitter for a nighttime job to cover a late shift at work, you may want to consider hiring someone who specializes in nighttime care. These babysitters typically have a higher going rate because they’re used to working when most people are asleep.

Also, if you plan to hire a sitter for special occasions such as New Year’s Eve or Valentine’s Day, you’ll typically need to pay a higher rate since sitters are in high demand.

The Location of the Job

The location of the job is another important factor to consider when setting your rates. In general, jobs that take place in urban areas will be more expensive than those that take place in rural areas due to cost of living. This is because babysitters in urban areas typically have to travel further to get to their jobs.

The Responsibilities of the Job

Another factor to consider when setting your rates is the responsibilities involved in the job. In general, jobs that require more responsibilities will be more expensive than those that don’t. This is because babysitters have to take on more tasks when they’re responsible for more things.

If you need a babysitter who is responsible for more than just watching your children, you may want to consider hiring someone who specializes in caregiving. These babysitters typically charge more per hour because they’re used to taking on additional tasks, such as household chores or preparing meals.

The Child’s Temperament

Another factor to consider when setting your rates is the kid’s temperament. In general, jobs that involve caring for children who are more difficult to handle will be more expensive than those that don’t. This is because babysitters have to put in more effort to deal with children who are fussy or temperamental.

If you have a child who is known to be difficult, you may want to consider hiring a babysitter who specializes in dealing with children like yours. These babysitters typically charge more per hour because they’re used to handling children with special needs.

What is the difference between a babysitter and a nanny?

A babysitter is typically defined as an older child or teenager who watches younger children for a short period of time, usually in the evening or overnight. A nanny, on the other hand, is a professional caregiver that is often working full-time and is responsible for all aspects of child care, including pick-ups and drop-offs, meal prep, homework help, and more. Because of the additional responsibilities, nannies typically earn higher hourly wages than babysitters.

When deciding whether to hire a babysitter or a nanny, it’s important to consider your needs and budget. If you only need someone for a few hours a week to watch your child while you run errands or go out for date night, a babysitter may be the better option. However, if you need regular child care during the day while you’re at work or if you have multiple children, a nanny may be a better fit.

There are many factors that influence the costs of a babysitter, and in the end, you’ll have to use your best judgment to determine how much to pay your babysitter. Consider all of the factors we’ve discussed and come to a decision that works for you, your family, and your babysitter. At the end of the day, what’s most important is that everyone is happy with the arrangement.

Source: pennypinchinmom.com

Posted in: Financial Advisor Tagged: 2022, About, age, aid, All, ask, average, before, best, Budget, child care, childcare, Children, clear, communication, Compensation, Competition, cost, Cost of Living, date night, decision, Emergency, expectations, expensive, experience, Family, Financial Wize, FinancialWize, gas, General, good, helpful, Hiring, hourly, hours, household, in, job, jobs, kids, language, Life, Live, Living, LOWER, Make, meal prep, More, needs, negotiating, negotiation, new, new year, offer, or, Other, Parenting, parents, parties, penny, Pet, place, plan, prep, price, Printable, rate, Rates, right, rural, second, short, Spending, Starting Out, states, swimming, time, tips, Transportation, Travel, trust, united, united states, wages, will, work, working

Apache is functioning normally

May 31, 2023 by Brett Tams

Okay – your flight’s booked, you’ve requested time off from work, and your family knows you’re going. The bare essentials for going on your trip are done. 

Even so, you have this nagging feeling like there’s some more… adulting to do before you leave. 

Indeed, there are definitely a few additional steps you’ll want to take before your big trip to ensure your personal finances stay taught and tidy while you’re adventuring abroad. 

(P.S. I traveled to 41 countries in my 20s, so please enjoy learning from my mistakes!) 

What’s Ahead:

1. Let your bank and credit card company know that you’re traveling

Setting a “travel notice” with your bank is a quick win and can be done in a single phone call. Some banks will even let you do it from your online dashboard. 

When you set a travel notice, you’re essentially telling your bank: “hey, I’ll be in Bolivia in August – so if you see a charge from a hostel in La Paz, that’s not fraud – that’s just me.” 

Without a travel notice, your bank will typically block your account until they hear confirmation that it’s just you. This could leave you in a sticky situation – you may be unable to withdraw cash, buy food, or check into your accommodations until you call your bank. 

So, be sure to set a travel notice so your bank doesn’t flip out when you try to buy your first cuñape. 

2. Download banking and payment apps

After visiting 41 countries, I’ve learned one universal truth about group travel: money changes hands between you like the trading floor of the New York Stock Exchange. 

Restaurant tabs and outdoor market negotiations quickly devolve into a humbling frenzy of open wallets, wads of cash, and grown adults counting on their fingers. 

“Oh, shoot – can anyone spot me twenty Euros?” 

“I’ve got plenty of pesos if anyone needs any.” 

“Does anyone have an extra 5,000 Yen for the tip?” 

At the end of the day, sipping Sopporo at the hostel, you’ll need to settle your tab with your cohorts – and that’s when having your banking and payment apps pre-installed is a godsend. Not only do Zelle and PayPal automatically convert to the recipient’s currency, but they also save you a nighttime trip to the ATM – which can be expensive and dangerous. 

Read more: Make Paying Easier With The 10 Best Payment Apps

3. Get a budgeting app to help you stay on track 

In addition to a payment app, it’s helpful to have a budgeting app while you travel so you can stay on track with your financial goals. 

On a more personal note, establishing a budget before your trip and sticking to it takes a ton of the stress and guilt out of travel. Take it from me, when you’re traveling on a budget, without a budget, every nonessential expense can come with a heaping side of guilt. 

  • Another five euro beer in Bavaria? I probably shouldn’t. 
  • This beautiful painting of Ha Long Bay that’s only $30? Ehhh…. not when I’m between jobs. 

Not knowing how much you’re allowed to spend when you’re traveling can be a huge buzzkill. But conversely, once you set a budget, your mindset shifts and you feel much more confident and relaxed in your spending:

  • I can safely afford three craft beers tonight. 
  • Even if I buy this beautiful painting, I’ll still have $220 left in my art budget!

So I passionately suggest establishing a budget before you head overseas – it’s low-key the #1 stress reliever before a big journey!

Read more: 9 Best Budgeting Apps To Take Control Of Your Finances

4. See what travel perks and insurance you already get with your rewards card

Sure, 2% cash back rewards are great – but did you know that your credit card might also include up to $25,000 worth of trip insurance? 

It’s a lesser-known perk of many rewards cards, but yes – many credit cards these days include travel-related insurance and coverage including:

  • Trip Delay Reimbursement. Delay coverage would reimburse you for extra expenses due to a delay, like hotels/meals after a canceled flight.
  • Trip Cancellation/Interruption. This is the big one; if you or even just someone in your family misses a trip due to sickness, a death in the family, severe weather, or even jury duty, your card could cover your trip for up to $25,000.
  • Baggage Delay. If your bag is delayed by at least 12 hours, your credit card company will actually reimburse you for typically around $150 of clothes and toiletries to get through the day.
  • Lost Luggage Reimbursement. If your bag never arrives, your card company could cover the replacement cost of your luggage plus contents, usually up to $500 or $1,000. You should know, however, that by law airlines are required to reimburse you for up to $3,500 for lost, damaged, or delayed luggage.
  • Travel and Emergency Assistance Services. Stuck in a foreign country with a canceled flight? It may not be your first impulse, but calling your card issuer can actually save the day. Many credit card companies have 24/7 travel concierges that can help you make emergency travel plans.
  • Emergency Evacuation and Transportation Coverage. Finally, and this one became more common during the pandemic, if you incur hotel/transportation costs during an emergency evacuation, your credit card may cover it. 

Head online and read your credit card’s cardholder agreement, top to bottom. That’ll give you an idea of the perks included, which could save you tens of thousands of dollars under the right (unfortunate) circumstances. 

5. Get traveler’s insurance

Whether or not your card includes some trip insurance, you’ll still want to consider plugging any sensitive gaps. Travel insurance is cheap, relieves a ton of stress, and some consider it to be essential. 

There are three types of travel insurance:

  • Financial travel insurance covers your trip itself, and may already be covered by your credit card. It includes trip cancellation/interruption coverage, baggage delay reimbursement, and more.
  • Medical travel insurance covers you during your trip and includes your medical bills for emergency evacuation, basic healthcare, etc. Even if you’re traveling to a country with affordable out-of-pocket healthcare, the U.S. State Department reminds us that medical transportation costs can reach $100,000 alone.
  • Comprehensive travel insurance quite simply includes both Financial and Medical travel insurance. 

I know, when you’re budgeting for a trip, purchasing $50 to $300 or so worth of insurance that you might not even use feels like a frustrating tax. 

But think of it this way – even if you never end up using it, travel insurance still has a tangible benefit – every day, it removes stress from your trip. For a couple of hundred bucks, it prevents any interruption in your goal to achieve financial freedom. 

6. Bring a travel rewards card

Depending on where you’re going and for how long, you might consider applying for a travel rewards card to bring with you. 

Now, the credit card companies would have you believe that getting a new credit card is as simple and straightforward as ordering a burrito. 

It’s not, and there are some hidden caveats/drawbacks for you to seriously consider before applying: 

  • Credit card applications hurt your credit score. When you apply for a new credit card, the company will make a hard pull of your credit, causing an immediate drop of five to seven points.
  • Travel rewards cards typically require excellent credit. Because travel cards are “lifestyle cards” that encourage high spending, the card companies want to know that they can trust you to pay your bill when you’re back home. Therefore, they typically require a credit score of 750 or higher
  • The best travel cards charge an annual fee. The best travel cards almost always charge a $95 annual fee (or higher). Granted, they also tend to have generous signup bonuses ($500+) if you spend enough within your first three months. 

The best time to get a travel rewards card is before you book your trip. That way, you can put your trip on your new card for extra cash back and to make progress on earning your signup bonus. 

Aside from getting trip insurance, better cash back on travel expenses, and a signup bonus, the final perk to bring a travel rewards card is zero foreign transaction fees. Most non-travel cards will charge a 3% fee on every purchase you make overseas, making your cash back rewards null and void. 

If you plan to go shopping abroad, a travel card (or at least one with no foreign transaction fees) is an excellent companion.

Read more: Best Travel Rewards Credit Cards

7. Turn on notifications for every single transaction

Circling back to my very first point, you definitely should still give your bank a travel notice so they don’t immediately freeze your account as soon as you try to make a purchase overseas. 

That being said, I recommend you still set up alerts for every single transaction made on your card while you’re traveling. 

What if you’re in Bolivia, but that charge at the hostel in La Paz wasn’t you? Now, the roles have reversed – your bank probably thinks it’s OK, but you obviously don’t. 

That’s why it’s a good idea to have your bank ping a notification to your phone every time there’s a transaction on your account. Yes, you may get eleven pings a day, but I promise – it’s all worth it for that one ping that makes you go: hol’ up.

8. Prepare to use card lock 

Let’s say you do get an alert for a fraudulent charge. Or maybe, you’ve simply lost your credit card and want to prevent any bad guys from using it. 

What now? Do you call up Chase and cancel your card? 

Hold the phone, because canceling a credit card could have seriously negative consequences on your personal finances. To start, every merchant you have on autopay will experience a missed payment, which could lead to a disruption in subscription services and even a dip in your credit score. 

Plus, and I’m pulling from personal experience here, canceling a credit card abroad means that card is donezo. Six feet under. In most circumstances, your card issuer won’t be able to get you another physical card until you’re back home. 

Besides, what if you find your card behind the hostel bar right after you cancel it? 

That’s why card lock is such an essential feature for travelers. Card lock is a simple toggle in your banking app that lets you block any new transactions on your card. Pre-authorized transactions are allowed, but the bad guys won’t be able to charge anything new. They’ll probably assume you already canceled it and toss it in the trash. 

Card lock is also a no-brainer if you’re searching for a lost card, or you do know where it is and just need a few hours to retrieve it. 

9. Automate your bills

Speaking of pre-authorized transactions, another key step in ensuring a smooth trip (financially speaking) is to ensure that you won’t come home to any delinquent bills. 

You’ll be glad you set up autopay for your rent, utilities, etc. if you haven’t already. It’s not just decidedly unfun to return from Bali to a pile of bills – it can also be expensive and hurt your credit score. 

Some less patient merchants (notably utility providers) keep their fingers on the trigger, and as soon as you miss a payment they’ll ambush you with late fees and report your delinquent payment to the credit bureaus. 

So, be sure that all of your bills, rent, etc. are set on autopay so you don’t get in trouble while you’re gone. And TBH, just keep everything on autopay so you don’t miss any payments in the future!

Read more: Automatic Payments Explained – Everything You Need To Know About AutoPay

10. Suspend your paid subscriptions

Conversely, if you’ll be gone for more than a month, you might even consider canceling some of your subscriptions until you’re back. This is a frugal life hack that I’ve used to save hundreds during my overseas adventures. 

For example, you may want to consider canceling the following services (and more) if you won’t be using them while overseas:

  • Hulu.
  • Disney+.
  • Peloton.
  • HBO Max.
  • Spotify.
  • Netflix.

After all, these services let you reactivate on a whim, so you might as well suspend your subscription and save $20, $40, even $100 during each month you’re gone. 

Not only is it effortless to re-subscribe – they’ll often give you promos for it (e.g. reactivate now to save 20% off your next three months). 

Now, if it’s a subscription to a small business, like a local gym or a life coach, I’d encourage you to continue supporting them even while you’re overseas. 

But Disney? They’ll be fine. 

11. Remember to skip your meal deliveries

I’m giving this one its own header because it caused me a surprising amount of stress on my recent jaunt to the Bahamas. 

While I was checking my email in Nassau, I got a notification that my Freshly box was out for delivery. 

Oops. 

Now, if it were just a regular package I could’ve rolled the dice and let it sit on my porch. If I were feeling paranoid, I probably could’ve gotten a pal to swing by within a few days and hide it. 

But fresh meals? They had hours before they expired and I lost $100 worth of meal prep (and created tons of food waste). 

For an undisclosed amount of bribery, I finally got my up-the-street neighbor to rescue my meals and keep them in her fridge for five days, but lesson learned – skip any fresh meal deliveries while you’re overseas. 

12. Have a plan for your mail and packages

On a similar note, it pays (literally) to have your mail and packages taken care of while you’re gone. 

If you go online, you can typically redirect UPS and FedEx packages for delivery to the nearest brick-and-mortar store for complimentary safe-keeping – even if the package is already in transit. 

USPS offers a service called USPS Hold Mail® that, as the name subtly implies, will hold your mail at the nearest post office for up to 30 days. You can set it up online by creating a USPS account. 

(Fun fact – you can also opt-out of junk mail for $2). 

13. Freeze your credit report

This is a newer travel tip that some would consider extreme, while others consider it 100% necessary. I’ll let you be the judge. 

Remember card lock, which prevents your credit card from being used? Well, there’s a more intense version of that where you can actually prevent your entire credit report from being used. 

When you travel abroad and use your credit card in more places, the threat of identity theft naturally rises. Then, the usual first step in identity theft is that the bad guy will start applying for loans in your name. 

At this stage, the lender sends a request to the credit bureaus to release your credit report, and when they see you have good credit, they give the bad guy whatever he wants. 

But if you freeze your credit report, it stops the bad guy right in his tracks. 

To freeze your credit report, you have to call up each of the three credit bureaus: 

  • Equifax (1-800-349-9960).
  • TransUnion (1-888-909-8872).
  • Experian (1-888-397-3742).

They’ll ask you for a password to release it again – be sure to get it tattooed on your arm (or your friend’s arm) because you won’t want to lose it. Then, all you have to do is unfreeze it again when you apply for your next loan or line of credit. 

14. Sublet your apartment

If your lease allows it, subletting your apartment while you’re gone could cover the cost of your trip!

When you sublet, you’re essentially letting a renter stay in your space while you’re gone. You’re effectively a landlord for a few weeks/months during your trip, and you’ll have to issue a lease of your own and collect rent. 

You’ll likely want to collect a security deposit, too, to cover any potential theft or damages to your property. 

Subletting makes the most sense if your renter is someone you trust – a friend, colleague, family member, etc. A total stranger might squat in your space, refuse to pay rent, and simply disappear before you return (with your stuff). 

For that reason, subletting isn’t for everyone; but if you have a renter in mind and could get a lot for your space, it’s definitely worth investigating!

Read more: How to Sublet Your Apartment Safely

15. Make sure you don’t pay for data roaming

There’s a scene from An Idiot Abroad where Ricky Gervais knows Karl gets charged 70 pence every time he receives a text message in Egypt so he keeps texting him this: 

Even if your data carrier says they include data roaming in your monthly bill, don’t believe them. T-Mobile claims they include unlimited data roaming and a “low rate ceiling” for global travelers, and yet felt justified charged a family $13,470.19 while they traveled – $1 per megabyte. 

Here’s the crazy thing – the family’s phones were on airplane mode the entire time – but apparently, certain apps these days can shrug off airplane mode and vampire data regardless. 

So, the key to avoiding roaming charges is to either:

  1. Go into Airplane Mode Settings and ensure that Cellular Data is disabled.
  2. Prepay for roaming data, if it’s essential.

Only then will you ensure that you never pay 70p for a text from Ricky Gervais again (actually, that might be worth it). 

Read more: Should You Buy An International SIM Card For Your Next Trip?

16. Download a VPN

My final travel tip for safeguarding your finances is to download and start using a virtual private network, or VPN. 

VPNs are essential travel tools because, among other things, they scramble your data while you browse the web. You’re going to be using a lot of public WiFi while you’re traveling, especially in airports, and that’s precisely when you’re the most vulnerable to having your data stolen (ID, bank passcodes, etc.)

Thankfully, even the cheapest VPN (~$3 a month) can protect you and ensure your sensitive financial data stays invisible. 

Plus, VPNs can also help you circumvent national firewalls and download region-locked content. Want to download a movie only available on Netflix Canada? Want to visit Western social media while you’re in China? VPN. 

Even if you’re unfamiliar with VPNs, they’re super easy to download and use – so be sure to pick one and tinker with it before you depart!

Summary

Money is a serious consideration for every big trip, but if you plan it well and implement a few key travel hacks, I guarantee you’ll have a less stressful (and more lucrative) adventure overseas. 

Read more:

Source: moneyunder30.com

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Apache is functioning normally

May 24, 2023 by Brett Tams

Hello! Today, I have a debt payoff story from Alyssa Hunt. Alyssa is the creator of TheLifeHunt.com  a blog that helps busy hustlers work towards business success and financial freedom all while managing full-time jobs. She is currently working towards a Master’s degree in English Literature and she teaches writing composition to university freshmen. 

When I graduated college in 2014 with my undergraduate degree, I had racked up $30,000 in student loan debt. During my four years of college, I didn’t think much of taking out a loan here and there.

After all, I needed a way to pay for tuition.

Once the excitement and celebrations of graduation ended, I felt a mound of debt on my shoulders.

It was then that I decided to focus all my attention on paying off my debt as fast as I could. And by fast, I meant that I wanted to have all $30,000 paid off in exactly 2 years after receiving my first bill.

Setting my goal of 2 years felt entirely achievable to me, but to everyone else, it was crazy and impossible. I don’t believe a single person thought it could be done. So many people tried to convince me that student loan debt is “good debt” and that it’s “normal” to have debt.

While this might be true, I hated the thought of owing that much money to anyone and I wanted to get rid of that burden immediately. So, I developed “Operation Debt Payoff” and gave myself a 2-year time frame. 

Many people questioned me as to why I decided on only 2 years. The truth is, I wanted the financial freedom to travel, plan my dream wedding, get a master’s degree, start a business, and live comfortably without the burden of debt. Since I was able to pay my debt off at such a young age, I’ve been able to succeed at all the things on my list.

Within 2 years after receiving my student loan bill, I made my final payment and became debt free by the age of 23.

Related content on paying off your debt:

Here are the exact steps I took to achieve my goals!

Loan Audit and Professional Help

The truth is I set my goal of 2 years before I even knew much about my loans. All I knew was that they totaled $30,000. That meant the first thing I needed to do was conduct a loan audit to figure out all the nitty, gritty, logistics.

I learned that there are two types of student loans: federal and private. During my four years, I took out 8 federal loans. That meant that my monthly payment was over $500 and my interest rates varied from 3.4% to over 6% per loan.

This is from my FedLoan Servicing account, which shows the date that I took out the loan, the type of loan, and the status (which they are all paid in full by now).

This was extremely overwhelming.

To help me out, my parents took me to our families’ financial advisor. I came prepared with a print out of each loan so that I could be transparent with the advisor. After I told him that I would have all my debt paid off in only 2 years, he chuckled and told me that it was impossible and unrealistic.

He then told me that everyone needs a little debt in their lives because the payments help with your credit score. Maybe this is true, but I still had no interest in paying $500 a month for the next 10 years, even if that meant a tiny bump on my credit score. And besides, debt is debt and I hate owing anyone anything.

Once he saw that I was determined to stick to my plan, he told me to come back in 2 years if I succeeded. And, guess what? In 2 years, I popped into his office and announced that I was debt free.

The look on his face: Priceless!

The Method Behind my Success

This method specifically works for federal loans that are unconsolidated.

I owe my success to two major decisions:

  1. The decision not to consolidate my loans.
  2. The decision to pay only the monthly minimum.

The reason I chose not to consolidate my loans into 1 giant loan was because I chose to focus on paying off one loan at a time. 

My entire game plan was to pay off one individual loan in full at a time, starting at the loan with the highest interest rate, while still making my monthly minimum payments.

These are some screenshots of the payments I made on three of my loans with the starting principal and the interest the loan accrued.

 

Let me break this down for you.

I put my loans in order from the loan with the highest interest rate, which was over 6% all the way down to the lowest, which was 3.4%. Then, I focused on saving enough money to pay off an entire loan in the order of highest to the lowest interest rate.

While it was a simple and straightforward plan, it took some willpower to not jump ahead. What I mean by this is that it was tempting to pay off the loans out of order. 

For example, one loan was only $2,000 at a 3.61% interest rate while another loan was $4,500 at 4.5%. Since the $4,500 loan had a higher interest rate, I needed to pay that one off first to save me money in the long run.

The temptation came once I had $2,000 saved and sitting in the bank because I wanted to just pay off that loan. However, I stuck to paying off the loans in the order of interest rate and it absolutely worked.  I can’t stress enough how wildly successful this plan was.

Why Paying the Minimum Balance Worked So Well

While paying more than the minimum monthly balance might seem like a faster way to pay down debt, it’s important to know that your money doesn’t always go to your overall principal balance.

Part of your monthly payments goes straight toward your accumulated interest and then the money that is left over goes to the principal balance. That is why it takes approximately 10 years to pay off student loans because they are calculating in all the interest you will accumulate over the years.

By using the method of focusing on saving for one loan at a time while paying the minimum balance, you ultimately cut down on thousands of dollars of interest. Also, when you pay in full for an individual loan, you don’t have to worry about whether or not that money goes to the principal or your interest because you are completely wiping out a loan from your bill. 

Additionally, by focusing on one individual loan, it helps to break down the overwhelming idea of paying $30,000. For me, I was able to focus on a $5,500 loan, or a $3,500 loan, which felt way more doable than trying to pay off $30,000. It’s easier to see progress when money is going towards individual loans rather than putting money towards a giant principal balance and feeling like nothing is happening.

This method also allowed me to set tangible short-term savings goals. Based on the money I was making with my full-time job, I knew exactly when I would have enough to pay off an entire loan so I was able to plan accordingly.

My ultimate suggestion is to stick to the monthly minimum and save up to pay off an entire loan. Doing that is the only reason I was able to pay off my bill in 2 years.

Other debt payoff stories:

Saving Aggressively

Believe it or not, I came up with “Operation Debt Payoff” within one week of graduating college. I knew that if I was going to be successful, I only needed to do one thing: save money.

That’s exactly what I did. I started to save, and I mean aggressively.

In fact, by the time my first bill came in the mail, I had enough money set aside to pay off my 3 highest loans immediately. That meant that my $500 monthly payment dropped to $300 within the first month.

By the time I had only one loan left to pay, my minimum payment was around $30 a month. That’s a huge drop from the $500 I started out paying. Talk about success!

However, to save that much money came with a list of sacrifices.

After doing some calculations, I learned that I needed to save approximately 70% – 80% of each paycheck to meet my goal of 2 years. To save that much, it meant that I had to make some serious cuts and adjustments to how I lived.

The first big adjustment was that I moved back home after college so I could save on rent. This was such a great decision (and I loved living with my parents!). Next came all the things I needed to cut: Starbucks, eating out, manicures, getting my hair done, shopping, trips, etc. Basically, I became the most frugal 21-year-old ever.

And let me tell you, people were quick to call me prude, stingy, uptight, no-fun, and so much more. Did I care? Well, honestly, a little bit. But, did I see the bigger picture? Absolutely. And by the way, those same people who called me prude back then are now asking me how to save money so they can be debt free.

Making such a huge adjustment to how I saved money, and ultimately becoming a frugal person, ended up being something that stuck with me. While I do take trips now and spend money on the occasional luxury, I learned that giving up Starbucks and manicures for 2 years didn’t harm me at all. Those two years of aggressive saving taught me discipline, focus, and the difference between the things I wanted and the things I needed.

If you think aggressive saving sounds difficult, I assure you that it’s not. After you make the necessary adjustments, it becomes second nature. For me, once I saved up enough money to pay off a loan, I was so excited to start my saving process all over again.

By the time I paid off all $30,000, I decided to continue with my aggressive saving methods (with a little more flexibility), in order to build up a solid savings account. 

The Reality of it All

This method of paying off student loan debt takes a lot of discipline. Just because I was paying off a large amount of debt didn’t mean that the world around me stopped.

I still had bills such as car insurance, phone bill, health insurance, gas, groceries, retirement, tithing, etc. I also had emergencies come up that required me to spend money I was planning on saving. On top of all of that, I had to travel across the country to a family reunion for a week that resulted in me spending even more money.

Despite all of this, I still found as many ways possible to make my plan work given my circumstances. Here are some things I did:

  1. Started saving before my bill came. This helped make a huge dent right away.
  2. Set a budget. I listed all my bills and then worked in my 70% – 80% savings from my paycheck.
  3. I found ways to make extra money through freelance writing gigs.
  4. I didn’t upgrade any technology, like my phone, in those two years.
  5. I got hand me down clothes from friends instead of shopping.
  6. I learned how to meal prep.
  7. I worked extra hours at my job when I could.

Reactions Then vs. Now

When I first announced my goal to everyone, many people didn’t take me seriously. I was told that it couldn’t be done, that I was being foolish, that I didn’t understand how debt worked, and that I would lose my friends. But, I stuck to my plan. And guess what happened?

Everyone quickly learned that I was very determined and they eventually adapted to my new lifestyle.

Since I knew I couldn’t spend much money on socializing, I learned how to enjoy hanging out with friends without spending. I took advantage of window-shopping, I didn’t order food at restaurants, I made DIY gifts for birthdays, my friends and I had many fun nights in, and we did plenty of free outings such as the beach, farmer’s markets, and museums.

During this time I didn’t lose a single friend.

Yes, they joked and called me stingy, but the truth is, I was being stingy, and it was completely worth it.

Nowadays, the same people who told me I couldn’t do it ask me how I managed to pay off that much debt in such a short amount of time. I have even received random emails from a friend of a friend because they need help crafting their repayment plan.

Most of the time when I tell people how I succeeded, they think it’s some miracle that only I could have pulled off. That’s not true at all!

Everyone’s debt situation is unique, which means everyone needs to craft their own “Operation Debt Payoff” plan. Maybe you want to pay your debt off faster than I did, or maybe you need to take a little more time.

Whatever you decide to do, just know that regardless of what everyone says, you can absolutely do it. I believe in you! You totally got this!

What are your tips about paying off student loan debt?

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Source: makingsenseofcents.com

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Apache is functioning normally

May 23, 2023 by Brett Tams

Save more, spend smarter, and make your money go further

The temptation to overspend is seemingly everywhere you go. Whether you’re at the grocery store, checking your email, or scrolling on Instagram, ads are everywhere you look. These days, targeted ads are getting better at stealing your attention and your budget. While shopping never goes out of style, you may be wondering how to stop spending money on unnecessary items. Luckily, we have a few tricks up our sleeve. 

From becoming your own chef to creating and sticking to a budget, there are a few ways to avoid temptations to overspend. Not only does overspending impact your finances, it could hinder your chances of meeting your financial goals. Curb your temptation to spend money with our 13 budget savers below. 

1. Know Your Weaknesses 

While you’re gearing up to end overspending, first find out where you spend the most money. Look through your recent statements and highlight any unnecessary expenses. Where are you spending the most on items or services that benefit your finances, or steal from them? Once you’ve recognized your unnecessary expenses, limit your spending. 

Bonus step: Create your ideal budget and set specific financial goals using the Mint app. Enable alerts to notify you anytime you’re nearing your budget’s limit. 

2. Create a Budget and Stick to It

Now that you’ve identified where you overspend, it’s time to create a budget to keep your temptations at bay. As a general rule of thumb, you should follow the 50/30/20 rule — 50 percent of your income going to necessities, 30 percent towards extras, and 20 percent towards your savings. 

After figuring out how much money comes in versus out, set your monthly budget goals. As each month may have different expenses, plan for the adjustments. Sit down at the end of each month to readjust your budget for the next month ahead. 

Bonus step: Schedule budget check-ins once a month to hold yourself accountable. 

3. Give Every Dollar a Purpose

When creating your budget, try budgeting to zero. When you have extra money laying around in your account, you may feel tempted to spend it on things you don’t need. Once you’ve accounted for your necessary expenses like rent, electricity, and WiFi, divide up your leftovers to put towards your savings, extra debt payments, and investments until you reach zero. 

Bonus step: Set up automatic savings contributions to make sure your income is directly deposited where you want it to go. 

4. Only Shop With a List 

Write out a shopping list before you enter the store to ensure you get everything you need without any extras. While you’re shopping, only stick to what’s on your list. If it’s not on the list and you haven’t budgeted for it, put it down and just keep walking. 

Bonus step: To avoid impulse purchases, unsubscribe from all your email newsletters and delete shopping apps from your phone. 

5. Check Your Budget Before You Spend

If you do find yourself eyeing an item that you haven’t budgeted for (it happens!), check in on your bank account before making the purchase. If it fits your budget, ask yourself the hard questions. Do you really need this item? If so, how would it benefit you and your lifestyle? Could it save you time or money? If yes, follow through with the purchase while respecting your budget.

Bonus step: Wait three days before purchasing an unneeded item. After 72 hours, if you’re still interested and it fits your budget, go back and get it. 

6. Invest In Multi-Use Products

While your monthly goal may be to save as much as you can, be open to higher-priced items that could help you reach that goal. For example, buying reusable paper towels means you’ll spend less on disposable ones over time. Another way to save on small expenses is to become your own barista, which can save you between $1,934 to $2,327 a year. 

Bonus step: Consider adopting some minimalist lifestyle ideas to help spend less and declutter. 

7. Ditch Food Delivery and Cook at Home 

The average American spends $3,459 on eating out every year. Instead of ordering food for lunch every day, meal prep at home. You can work this into your weekly routine by designating a day for meal planning and a day for grocery shopping and cooking. Planning your meals saves you from overspending while still making your favorite gourmet meals. You can save eating out for special occasions. 

Bonus step: Delete all your food delivery apps from your phone to avoid the urge to order a speedy, but expensive, meal. 

8. Pack Leftovers the Night Before

When your calendar’s booked, you’re most likely looking for the easiest way to get food for lunch. Nix your takeout food budget and pack your leftovers from the night before. While some nights you may be booked with events or virtual get-togethers, meal prep once or twice a week to ensure you have food for lunch every day. Simple dishes like chicken and veggies are easy meals to make on a budget.

Bonus step: Organize a “lunch swap” with your coworker so you don’t get bored of eating the same meal. 

9. Squash Sale Shopping

If items on your shopping list aren’t on sale, don’t go looking for unnecessary items on the sale racks. You may walk out of the store buying something you don’t need because “it was only five bucks!” Kick discount shopping to the curb unless the items you need are part of the sale. 

Bonus step: Save time and money by avoiding discount catalogs and sale sections.

10. Opt For Generic Over Name Brand 

While checking off your shopping list, see if there are any generic alternatives to big-name brands. Most big box stores make the same products at a discounted price in exchange for the branded packaging. Compare the ingredients of a generic item against name brand products to see if you can spot a difference. Purchasing generic food products alone could save you 30 to 60 percent. 

Bonus step: Google online coupons at checkout to see if you can get an added discount. 

11. Cancel Unnecessary Subscriptions

While your gym membership and TV streaming system may have served you a few years ago, it may not now. Audit your expenses each month to see what you’re able to cut out. Instead of paying for a gym membership that costs on average $696 each year, purchase weights and a yoga mat for your own home gym. Not only could it save you money year after year, it could save you the commute to the gym and back. 

 Bonus step: As 65% of people don’t keep track of their monthly spending, schedule budget audits on your calendar every three months. 

12. Challenge Yourself to a No-Spend Challenge

Participate in daily, weekly, or monthly savings challenges to make penny-pinching more fun. Ask your friends and family to join in on a no-spend challenge to up the stakes. Spark some friendly competition while giving back to your bank account. Once the month has come to a wrap, treat yourself to your favorite snack in celebration of your achievements. 

Bonus step: Set an alert on your phone for a no-spend day each week. One New Yorker saved $18,432 in six months from having one no-spend day a week. 

13. Set New Budget Goals and Repeat 

Challenges help keep your eyes on the prize. Set different goals as you audit your budget each month. One month you may want to focus on contributing to your emergency fund, while the other you may want to increase your student loan payments. Get creative with your goals and set up budget alerts to ensure you’re meeting them. 

Bonus step: Tell your friends and family about your goals each month to increase your odds of meeting them. 

Invest Your Time and Money On Things That Help You Save

What else could you do with your money to earn more? Simply investing a hundred dollars in home gym equipment could pay for itself (and more) instead of purchasing an annual gym membership. Below are a few more options that could save you time and money year after year. 

  • Make your coffee at home: Buy yourself a coffee maker and cup that you love. Use your machine and reusable cup every day to save hundreds of dollars on takeout coffee. 
  • Become a beautician: Order hair shears, at-home dye supplies, and nail kits to save on the tremendous beauty industry markup prices. Ask your friend to do your hair or take it upon yourself to learn. 
  • Use reusable products: Reduce your waste and purchase reusable products. Swap your paper towels for reusable towels to save the earth and budget.
  • Shop quality over quantity: For instance, invest in staple clothing pieces over fast fashion. You could save money and time on constantly shopping for new clothes. 
  • Create an at-home gym: Purchase a few weights, a yoga mat, and a water bottle and get a sweaty workout done at home. You may even feel less stressed about beating traffic to make it to your fitness class on time. 
  • Track your spending on the fly: Download our free app to track your spending habits, even when you’re out and about. Set up alerts to ensure you’re always on track with your budget. 
  • Divvy up time for your passion projects: Say no to events that don’t benefit you and use that time to create passive income projects that last a lifetime. 

Even though you may be looking to save more and spend less, you don’t have to cut all your favorite things out of your budget. Instead, practice spending with a purpose. Your weekly dinners out on the town may not as mean as much as they do when you treat yourself to a nice steak made at home. If you’re frequently tempted to spend your money instead of saving, create a budget to ensure you’re always keeping up with and sticking to your savings goals. 

Save more, spend smarter, and make your money go further

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Apache is functioning normally

May 23, 2023 by Brett Tams

Balancing work, your social life, friends, family, church, and staying in shape on top of a full-time work schedule is insanely difficult.

Everyone is trying to find ways to save money, eat healthy, and carve out more time for themselves in their insanely busy schedules. 

Meal prepping is the perfect solution. No more unhealthy takeout on the way home and no more work lunches that add up to thousands of dollars a year. 

Meal prepping can help you save time, money, and help you to eat healthy along the way. 

The problem is meal prepping can be difficult if you don’t know your way around the kitchen. 

These meal prep resources can make meal prep way easier. They’ll help you to find recipes, plan out your meals, get more variety in your diet, and save you time along the way.

Some of the resources are specific to certain diets while others focus on general health while saving you money. 

Here’s a list of the best meal prep resources to use this year!  

Best Meal Prep Resources To Use

Whether you’re a meal prep newbie or looking for more meal prep resources to spice up your game, we’ve rounded up the best meal prep resources to use in 2020. Blogs, websites, social media accounts, you name it, we’ve got the resource on the list.

Read on to find out more about why each of these resources made it onto our list of top picks. 

Blogs / Websites

If you do a quick meal prep recipe search online, the results can be more than a little overwhelming. Where do you even begin when your search results yield millions of results? We’ve got a starting point for you. These blogs and websites are some of the best meal prep resources to use in 2020. 

1. Meal Prepify

I’ve spent the last 8 months trying to create the most epic meal prepping blog that exists. We curate recipes from all over the food blogging community to create resources for anyone trying to save money, eat healthy, and get more time to do what they love. 

Whether you’re looking for keto breakfast ideas, air fryer recipes, or you want to eat vegetarian, we can help you get started meal prepping. 

2. Meal Prep Mondays

Do you think that meal prep must require hours and hours of time? Then, you don’t want to miss Meal Prep Mondays.

This site is designed with busy people in mind. Why the focus on Mondays? The site creators believe that the purpose of meal prep is to set yourself up for success with the week ahead. The focus is on healthy eating at a budget-friendly price point.  

3. Budget Bytes

Budget Bytes has been around for over a decade, and there’s a reason for it. Actually, there are thousands of reasons. Beth’s site features some of the tastiest recipes we’ve seen and provides a detailed breakdown of the cost as well.

As an added bonus, the site is super viewer-friendly. It’s easy to navigate, and their Latest & Greatest feature will have your mouth watching in no time. 

4. Meal Prep On Fleek

Meal Prep On Fleek is an excellent site that even offers a meal prep master course. The purpose of the course is to teach people everything they need to know about meal prep while integrating the importance of mindset and healthy living. 

If you need one more reason to check them out, it’s their pizza chicken recipe. The dish went viral, and it’s no surprise why. It’s a super simple dish that is prepped in one pan. It’s a great go-to whenever you’re craving pizza. 

5. Renaissance Periodization

Meal prep is all about finding menu options that fit your lifestyle. If fitness is your focus, you want to get to know Renaissance Periodization. The site features templates, coaching, and even a diet app to help you meet your fitness goals. Plus, check out their advice for meal prepping on a budget. If you think healthy food is too pricey, their tips will have you reconsidering. 

6. Mashup Mom

This one is for all of our Aldi fans out there. Of course, you can find many of these ingredients at other stores, but there’s something about the magic of Aldi. And let’s not forget their fantastic prices.

Mashup Mom makes meal plans for real life, and her inspiration is the Aldi weekly flyer. Cook along with her using current sale items or dig through her archives for more Aldi-inspired meal prep. 

YouTube

Let us share a little secret with you. YouTube isn’t just a place to find funny videos. It’s actually a fantastic search engine that connects viewers to some of the best meal prep resources online. The best part is that if you find one video you love, there’s a good chance you can subscribe to the creator’s channel for similar content.

Let’s take a look 

6. Fit Men Cook 

Kevin Curry of Fit Men Cook promises healthy meals that are never boring, and he delivers on YouTube. These meal prep resources are perfect for men and women who want to focus on eating well while minding their money. ?

Each video includes links to meal plans, grocery lists, and recipes. To get a taste of his channel, check out his video on $75 meal prep using Amazon Fresh. 

7. Downshiftology 

Downshiftology is an excellent resource for everyone, especially people who are focused on following gluten-free diets. Her content isn’t exclusive to meal prepping, but she does have every season covered with meal prep ideas.

If you want to sharpen your skills with healthy basics, this is a great source for that as well. After all, mastering zucchini noodles and cauliflower rice should make meal planning that much easier. 

8. Caitlin Shoemaker

Maybe you think vegan food is boring and bland. Or maybe you think it’s expensive and hard to make. Caitlin Shoemaker’s channel is about to set you straight.

Check out her vegan meal plan videos to see everything from on-the-go ideas to tips for serving up $3 meals with Trader Joe’s ingredients. 

It’s perfect for everyone, whether you’re a long-time vegan or simply trying to test out more meatless options. 

If you aren’t vegan, but want to clean up your diet, then my friend Bethany can help you find ways to eat more vegetables even if you hate them. 

9. Mind Over Munch

Mind Over Munch is the resource for you if you want your recipes served with a side of straight talk. Alyssia knows that eating healthy can be hard, and she’s here to help.

With video names like Easy Healthy Meal Prep in One Hour, she speaks our language. Food that tastes great, is good for you, and comes together in a snap is something that we can (and do!) subscribe to. 

10. Lemonade Mom

Lemonade Mom knows that most of us are short on time. To save us all from ourselves (and our local fast food restaurants), she shares some of the best meal prep ideas on her YouTube channel. Breakfast, lunch, and dinner are all covered thanks to her easy slow cooker freezer meal prep videos. 

She even features ideas on how to make Dollar Tree ingredients work into your meal plans in ways that are both budget-friendly and healthy. 

Instagram accounts

Don’t let the fantastic photos fool you. You don’t have to be a master chef to consult Instagram. In fact, there are plenty of Instagram accounts that are excellent meal prep resources for people who are just getting started.

Here are some Instagram meal prep accounts that we love. 

11. Food Prep Princess 

Food Prep Princess is meal prep royalty for good reason. Her Instagram account features a ton of different meal prep ideas, and she also takes the time to showcase ingredient lists and shopping trips that make her meal prepping successful. 

Her highlights are overflowing with helping Stories, showcasing everything from individual recipes in action to some of her best prep rituals. 

12. Meal Prep Daily

What will you find at Meal Prep Daily? In addition to tons of meal prep ideas, there is plenty of advice for people who are just getting started or want to step up their meal prep game. The account also features fitness ideas and fun content. 

If you want a laugh, check them out! Plus, this account even has a dedicated Stories Highlight about meal prep basics called Meal Prep 101. 

13. The Girl on Bloor 

The Girl on Bloor is a self-proclaimed fit foodie. But don’t think that her Instagram account is only for master food preppers. There’s something for everyone. Her Highlights focus on fit foodie essentials, including meal prep tips, slow cooker recipes, instant pot ideas, one pan meals, and low carb essentials. 

She also does a terrific job proving that meal prep is anything but boring. She often spotlights ways to mix up ingredients, such as her mashed, loaded, and roasted sweet potato post. 

14. Damn Delicious

Damn Delicious is no stranger to being featured on our site. She’s churned out two terrific cookbooks, her website is fantastic, and she has a must-follow Instagram account.

Come for delicious recipes like her cilantro lime chicken thighs and stay for the most adorable Corgi content online. 

15. We Love Clean Food

We Love Clean Food is based in Dublin, Ireland and is dedicated to showcasing what clean eating and meal prep looks like in real life. In addition to getting a behind-the-scenes look at what meal prepping looks like in action, the Instagram account also takes a deeper dive into specific meal ideas and recipes.

If you love cheap and easy keto recipes, then this is the account to follow. 

Communities

What if you could find an entire community of people to brainstorm, troubleshoot, and connect with over great food? You can! Thanks to Reddit and Facebook, there are meal prep communities popping up all over the place.

Check out the ones that made our list of best meal prep resources for 2020. 

16. Meal Prep Sunday Subreddit

Don’t let Reddit intimidate you! Even if you’ve never been on the platform before, you will fall in love with this resource. Basically, Meal Prep Sunday Subreddit is a gathering of dedicated meal preppers who share ideas and inspiration with one another.

If you’ve got questions, they’ve got answers. Additionally, it’s a terrific spot to find new recipes. 

17. Meal Prep Ideas Facebook Group

Meal Prep Ideas Facebook Group is a public group that anyone can join. A quick scroll will leave your mouth watering and your mind spinning. People are very active in the group, sharing snaps of what they’re prepping for the upcoming week. 

In addition to gathering inspiration, you’ll often see people putting their own spin on recipes. This group is worth joining no matter how long you’ve been meal prepping. You’ll be surprised at the new tricks you can learn. 

Paid (But Awesome!) Meal Prep Resources

Don’t get us wrong. Free resources are ideal, and there are a lot of awesome free resources online. There are also a few excellent paid meal prep resources that we have to include on our list of best meal prep resources. The content they deliver makes them well worth the cost. We promise! 

18. $5 Meal Plans

Would you be willing to buy back your time for $5? If you answered yes, then this resource is for you. The purpose of $5 meal plans is to take the time out of meal planning.

For $5 a month, you receive a weekly hand-crafted meal plan that feeds your family healthy and tasty options for $2 per person or less. Over 35,000 people use $5 Meal Plans, and you can try it for free for 14 days!

Source: biblemoneymatters.com

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