Once, I couldn’t find a matching pair of shoes, so I put one foot in a ballet flat and the other in a tennis shoe and acted like I had sprained my ankle. True story.
You may wonder then why this girl is writing an article on decluttering and disorganization and their relationship to finances, especially since I still have a lot to learn. While there are definitely others who are more organized, I have come a long way.
I have no idea how much being disorganized has cost me directly, or how much a cluttered life affected my finances indirectly. But it’s significant: Paying credit cards late, getting overdrafts, losing bills or other important papers, buying stuff only to find out I already had it, and on and on. It was painful in so many ways.
As I mentioned in a recent article, when I conquered clutter, things really improved financially. This is an expansion of that article.
Clutterosis
This magazine article cites a study that found a link between cortisol levels (the stress hormone) and clutter. I am not surprised; I felt stress every time I looked at my paper piles, too.
But it wasn’t enough to feel stress. After all, I read book after book, article after article about organizing and decluttering. I knew how to improve, but I wasn’t doing it. My house and life still looked the same.
Does that sound familiar? Money is more about the mind than it is about the math. And getting organized is more about the mind than it is about how many storage containers you have.
1. Easier is the goal. The first step to curing yourself of clutterosis (it’s kind of like halitosis because you can’t find your toothbrush) is to convince yourself that you just want to make your life easier; however that needs to happen, do it. I had to have several conversations with myself about this. In most cases, it was not easier for me to store things that I wasn’t using for an indefinite period of time. I just thought it would be easier, you know, to have two coffee carafes in case we had lots of coffee-drinking friends over at the same time or a spare electric skillet for…something. In addition to clutterosis, I also had a serious case of the “in cases.” You know, in case I lose weight, I’ll keep these clothes. In case I start playing the violin again, I’ll keep this music.
2. Just say no. You also have to realize that your organizing abilities/desires are different from other people’s. Since I have difficulty organizing a lot of stuff, I need to have less stuff. Period. For a long time, I had the reputation of liking free stuff, so if someone had something they wanted to give away, they called me. Most of the time I said, sure!
After all, what is better than free? Having only the objects you want or need, that’s what. Once I realized that I could organize my life so much better when I didn’t have so many things to worry about and take care of, I started saying no to even free stuff most of the time.
Guard your life. If you don’t really like it or don’t think you will use it often, keep it out of your life. I’ve never regretted declining a free item. But I enjoy my tidier, decluttered streamlined house. And now that we have two kids, I am even more zealous about keeping stuff we don’t use outta here. You don’t like that shirt and won’t wear it? Let’s give it to someone who will. STAT! Because I’m not great at managing lots of stuff, I have to be even more diligent about what comes through the front door.
3. Purge. Before I got serious about decluttering, I sold a few things, but the piles of stuff always found their way home. Once I was ready to tackle the clutter — for real — I started by evaluating the areas of my house that were the problem areas: the kitchen table, the kitchen counters, and some closets. I started out hesitantly, still stuck on “I might use this someday,” but quickly created a huge pile once I started feeling some freedom.
This is a step that had paralyzed me before. Even I find stuff to get rid of, where should I take it? I will have to put it in my car and make time to stop by Goodwill and then…do I just throw it away?
But to get the purging started, I called up a couple of friends and invited them to take any part of the pile. I was so excited to see my stuff leave my house and find new life with my friends. That inspired me to keep going.
While I still have some spots to declutter, I am getting there.
4. Be systematic. Once I cleared our house of things we weren’t using anymore, I started creating systems and processes that maintained our new and (more) decluttered lives. This is where all the books and articles I had read in previous years came in handy.
Here are just a few tips that I’ve found particularly helpful:
Sort the mail over the garbage can, immediately after coming in from the mailbox.
Put like things together (for instance, creating a baking zone with flour, sugar, etc. in the kitchen).
Make a place for everything and put everything in its place.
Waiting does not change a mountain into a molehill. Many times, I left kitchen clean-up for the next day, but dirty dishes don’t improve overnight, but wouldn’t it be great if they did?!
Websites
There are a zillion websites on organizing/decluttering, but here are a few just to get you started.
www.flylady.net
www.unclutterer.com
www.iheartorganizing.blogspot.com
Chime in if you’re a reformed slob like me or if you’ve always had clutter under control. What works for you today?
If you’ve ever wanted to see the ugly underbelly of blogging, today’s your lucky day. Because there’s nothing pretty about moving. It’s messy, it’s dirty, it’s chaotic. And we’re in the thick of the storm so I’m not going to sugar coat it for ya.
Our move is in fact, just one week – yes I said it – one week away! Color me panicked. After living in the same apartment for nearly four years, getting our place back into rentable shape is more than a little daunting. Because it’s all about the renter’s holy grail – getting your security deposit back, am I right? As a reminder, here’s what things looked like when the loft was at its peak.
Needless to say, it’s devolved a bit.
We’re slowly but surely dismantling all the work I put into making this place feel like home. Now it’s my job to make it look like a place a new tenant will love. While it may feel like you’re powerless when it comes to the discretion of a landlord, there are a few things you can do to put your best foot forward and give yourself the best chance of having your deposit returned.
One thing we needed to do is patch some walls – I’m a sucker for picture rail shelves, what can I say – but having paint brushes, drop cloths and tools on hand is certainly not practical in apartment living. Neither is taking the time to fill holes, sand, prime & paint when I’m frantically packing boxes with an 11-month old on my hip.
Hence TaskRabbit. If by some miracle you’re still unfamiliar with this awesome service, in short TaskRabbit is an app that connects you with people ready and willing to do the things you don’t have the time, know-how or brawn to complete on your own. Living in the city, TaskRabbit has come to my rescue more than once and this case was no exception. My Tasker, Logan was a dream come true. He showed up promptly, every tool necessary in hand and completed in two hours what would have taken me a whole day!
chloe was an excellent painter’s assistant
Having that repair work crossed off my list is such a relief. It leaves me free to focus on the purging I’m attempting to do right now – because why pack what you don’t want, right? – and all the sorting and organizing that needs to happen too. If time gets really short, I just might call Logan back to help me pack boxes!
There are a few other things to do if you want to have the best chance to get your security deposit back – and they’re all things you can rely on the expertise of an experienced Tasker to help you do in half the time.
The obvious one is clean. You want to check your lease to see if a nonrefundable cleaning deposit is already built in, but if it isn’t, go crazy. Deep clean those bathrooms, cupboards, drawers and baseboards. All the details you might ignore in day-to-day life – this is where it’s worthwhile to clean them.
Along with patching walls, look for any other minor repairs you might want to make. Perhaps you need to touch up your walls, replace some chipped trim or fix a leaky faucet. Any wear and tear you can spruce up will increase your chances of getting your hard-earned money back.
If you have a small move you can even have TaskRabbit help you do that! Maybe you can convince your friends to schlep boxes and all you need is help with some heavy lifting.
As an added bonus, TaskRabbit is offering you, my dear Apartment 34 readers, an exclusive discount on their services! Simply enter the code APT34 to receive $20 off same-day tasks – because you never know when you’re going to need last second help. (this offer expires 3/31)
I wouldn’t be surprised if I call in TaskRabbit reinforcements one (or two!) more times before moving day.
image 1, 2 by aubrie pick
This post is in partnership with TaskRabbit. All thoughts and opinions are 100% my own. Thanks for supporting posts that have kept Apartment 34’s doors open.
Are you feeling like you aren’t as productive as you usually are? Or, perhaps life is really busy right now and you want to be able to manage it all better.
Many people struggle with how to be productive. We all have lots of things to do and sometimes we can accomplish them all, and other times it is very difficult.
I go through productivity spurts.
At times, I feel like I can accomplish anything and everything, and other days I don’t even know what (if anything) I did all day.
This is an area that I am constantly working on, and perhaps you are too.
Sometimes I am distracted by so many different things that it has caused me to waste a huge amount of time. Therefore, I have not been able to live in the moment like I would really like to.
Currently, though, I am trying to be as productive as I can, and trying to get ahead on as much work as possible. We are about to sail away from Florida after a very busy summer traveling in the van, and being more productive now means I’ll have a better time when we are sailing.
That is one of the best benefits of learning how to be productive – you will have more time to focus on what you really love doing. You won’t be stressed out by things you still need to do, and you can just live in the moment without any distractions.
However, learning how to be productive can be very difficult for some people. It’s easy to get overwhelmed by a long to-do list. Negative thoughts can hold you back from believing you can accomplish your goals or tasks. And, social media can be a huge distraction.
While those things can prevent you from being productive, they are also a huge waste of time.
And, the thing about wasting time is that it can hold you back from reaching your goals.
By learning how to be productive, you may be able to:
Begin a side hustle.
Eliminate your debt.
Spend more time with your those that you love.
Learn a new skill.
Enjoy life more.
Travel more.
Increase your income.
Reach your dreams, and more!
If you start today with just one of the ideas for how to be more productive, you will be that much closer to reaching your goals. So, when you read through this article, pick one idea you’d like to try today. You can try more once you see how well just one of them works.
Related reads:
Hopefully the productivity tips in today’s article will help you find hours in your week, no matter how you lose them.
How to be productive – 17 tips for success
1. Realize how much time you have to work with.
The first step is to be realistic with yourself.
Everyone has the same 24 hours in a day, but others may be more limited with their time. I understand that different situations can make a person quite busy, so you need to be honest with yourself about much available time you have.
You don’t want to run yourself ragged, forget about the things that truly matter in life, hurt your work performance, and more.
However, many people do have extra time in their days but just don’t realize it. For one week, I recommend keeping track of the time you spend on various tasks and see how much time you waste and how you can improve.
You’ll most likely be very surprised!
2. Leave your negative outlook behind and find positivity.
I know what you’re thinking – How is this related to learning how to be productive?!
According to the National Science Foundation, the average person has about 12,000 to 60,000 thoughts per day. Of those, 80% are negative and 95% are repetitive thoughts. (statistic found on Medium)
That is a lot of time wasted on negative thoughts!
Lately, though, I’ve been realizing that I waste a lot of time with negative and repetitive thoughts. It’s been crazy to realize how easy it is to turn something so little and simple into something negative.
This is one of the productivity tips that may be hard to adapt to, but learning to be positive will really help you in the long run.
Instead of focusing on negatives like regret, guilt, comparisons, and more, you can be more productive by using this time for things that actually matter.
When you find that you are thinking in a negative way, take a moment to think of something that makes you happy. Is it your family? Do you love what you do? Did someone do something nice for you today?
A positive outlook can be life changing.
Related articles that will help you learn how to have a productive and positive day:
3. Check your email less. Way less.
This is one area that I have always struggled with. Even though I am guilty of checking my email numerous times throughout the day, I am starting to take my own advice and checking it less often.
I think the problem for me is that I feel obligated to keep checking my email in case something pops up with my business or if a reader has a question. I want to be as available as much possible, but that means I am constantly checking my email.
While it may not feel like you are spending that much time checking your email, the time and focus it takes to switch back and forth can really add up. It can also cause you to lose your train of thought when you should actually be doing something else.
If this is an issue for you and you want to learn how to be productive, I recommend setting time aside throughout the day to check your email. You can even set a rule that you only check after you finish a task. You can also turn off email notifications if they are distracting you.
You may want to work down to only checking your email just a few times a day, or even (EEEK!!!) once a day.
4. Unsubscribe from unnecessary emails.
Subscribing to emails is really easy to do. We’ve all done it to get a coupon code, at the cash register to get a receipt (isn’t that annoying?!), and sometimes you just mysteriously land on an email list.
Over the years, I’ve subscribed to plenty of different websites and companies. I got hundreds of unnecessary emails every day, and even though I set up tabs to organize my email, I was still spending so much time filtering through them.
It was tedious, and they were mostly junk. But, sometimes real emails got lost in the mix as well!
So, I unsubscribed from almost all emails, except for blogs that I enjoy and whatever is absolutely necessary.
Everything else has been removed.
If you find that you are spending too much time everyday checking, reading, and deleting emails that it isn’t allowing you to live in the moment and live your best life, I definitely suggest unsubscribing to the ones that aren’t meaningful to you.
You can find an unsubscribe button on the bottom of most emails, and it just takes a couple of clicks to get off an email list.
5. Wake up earlier.
Some say that they are most productive early in the morning. If this is the case, then use this to your advantage!
When I had my day job, I would usually wake up around one to two hours before I had to start getting ready for work. I would use this time to work on my side hustles, which included replying to emails, brainstorming ideas, managing my blog, finding mystery shop jobs, and more.
Sometimes, waking up early was extremely rough, but it was nice to get everything done before I went to work. This was also one of the ways I learned how to be productive at home, because I could also use this time to straighten things up around the house or clean.
If you’re not a morning person, you can always try to fit in time before you go to bed. Often I would even work on my side hustles for a few hours before I went to bed.
Related: 9 Tips To Wake Up Early & Why It Feels So Good
6. Organization is your friend.
Your productivity can be greatly influenced by how organized you are.
Here are some surprising statistics I found from Simply Orderly about being unorganized:
The average person spends 12 days per year looking for things they can’t find.
Every day, the average office worker spends 1.5 hours looking for things.
In a recent survey, 55% of consumers stated they would save anywhere from 16 to 60 minutes a day if they were organized.
23% of people pay bills late and have to pay late fees because they are unable to find their bills.
Becoming more organized can be hard at first, but it can really help you reclaim time in your day. If you want to learn how to be productive by organizing your life, here are several helpful tips:
Put things away when you are finished using them.
Make a schedule and stick to it.
Write things down in a notebook or planner so you don’t forget anything.
Regularly tidy things up.
Switch to a minimalist lifestyle.
Like I said, learning good organizational skills can be difficult, and you will have to commit if you really want to take part in this tip. But, being organized will ensure that your living and working spaces are functional, and it will probably even clear some mental clutter.
Posts related to minimalist living:
Also, organize your finances!
This is one of the tips that won’t just help you learn how to be productive with your time, it will help you gain control of your financial situation. Organizing your finances includes things like setting up auto pay on your bills, creating a budget, and using an online platform to show you all of your accounts.
My favorite online tool for keeping track of my finances is Personal Capital. Personal Capital allows you to aggregate your financial accounts so that you can easily see your financial situation. You can connect accounts such as your mortgage, bank accounts, credit card accounts, investment accounts, retirement accounts, and more. And, it is FREE.
7. Use short gaps in your day wisely.
Everyone has gaps of time in their day. This could be a gap before you have a meeting, a gap between your day job and night classes, a gap before you have to pick up the kids from school, or something else.
Maybe you have 15 to 30 minutes or an hour. Most people will just plunk down on the couch and watch TV or browse Facebook.
However, if you want to learn how to be productive, find ways to wisely use these gaps in your day.
Here are some examples of how you can take advantage of short gaps in your day:
You can use a gap to write out tomorrow’s to do list.
You can pay a bill or two.
If you’re a freelancer, you can use this time to bill your clients.
Use this time to schedule appointments.
Make a meal plan and grocery list.
8. Watch less TV.
Fun fact: I haven’t watched TV in over a month!
Less fun fact: I’m not perfect and often binge watch TV shows when I happen to find a good one.
TV absolutely kills my productivity level. I know how easily I can get sucked into the world of Netflix, so I haven’t even tried watching anything lately.
I love a good TV show, and I can honestly say that I once wasted a lot of time by watching too much TV. The average person watches TV for over 35 hours per week! I’m not sure if I was watching that much, but I know I was close.
Can you imagine what you could do by reclaiming just half of those hours each week?
Cutting out the amount of TV you watch will really help you if you want to learn how to be more productive. By cutting back on TV, you will have a few more hours everyday to focus on more important things.
Related: 16 Alternatives To Cable TV That WILL Save You Money
9. Spend less time getting ready.
Being more productive often involves saving time on littles aspects of your daily life. These things are often overlooked and can add up to a lot of wasted time, like taking forever to get ready. There are lots of people who spend way too much time picking out outfits and trying to get ready, and I was once one of them.
Since we had to downsize to travel full-time, I had to get rid of a lot of my clothes. It was a little hard at first because I had so many! But, by having less clothing options and/or choosing your outfit the night before, you can save valuable minutes each day.
Before we downsized, I couldn’t even remember all of the clothes I had, but now I save time each day because I know what I have and what looks good together.
For more information, I recommend checking out Becoming Minimalist’s blog post, Capsule Wardrobe: Why Some Are Wearing the Same Thing Every Day.
10. Have a to do list and use your calendar.
I love my constant to do list and having a full calendar.
Without these two things in my life, I would feel lost, unorganized, and probably even confused about what to do!
Yes, I rely heavily on my to do list, but putting a to do list together doesn’t have to be hard. I keep my to do list on my phone, and it’s just a simple list of things I need to do throughout the day, week, month, and year. I can even set reminders so I don’t forget when things need to be done. Others find that planners work for well for them too.
This is a tip that will help you learn how to be productive in every aspect of your life, as you can have a to do list for work, home, etc. Your to do list will keep you on track so you don’t forget what needs to be done on a daily, weekly, or monthly basis. This will keep you motivated and working towards your goals.
Related: 15 Of My Best Working From Home Tips So You Can Succeed
11. Make sure your to do list is doable.
Even though I have an on-going to do list, many people benefit from having a smaller and more approachable list.
You can start by asking yourself, “is this something I can really do today?” If the answer is “yes,” then add it to your list. If you are unsure, you might want to break it down into smaller tasks or save it for another day.
By having a smaller list, you may feel a greater sense of accomplishment knowing that you’ve crossed everything off your list for the day, even if it is just a couple of things. This can motivate you to work on bigger tasks and goals over time.
12. Practice self-care.
Yes, self-care is important for your productivity levels!
Self-care is simply doing something to protect your mental or physical health. It can be something like taking a nice long bath, meditating, drinking more water, etc.
It’s spending a little bit of time to put yourself first.
When you are busy or overwhelmed with other aspects of your life, self-care is one of the last things you think you should do. But, when you take a small break to take care of yourself, the effects can ripple out through the rest of your life.
You may find that your stress is reduced, you’re more productive, happier, and more.
This tip is often overlooked when people want to learn how to be productive, but it’s always important to take care of yourself.
13. Procrastinating doesn’t help anyone.
Procrastination can waste time and kill your productivity as you may find anything else you can possibly do before completing a certain task.
Then, you might do things that waste even more time, such as just standing around, watching TV, cleaning the same area you’ve already cleaned 10 times that day, and more.
People procrastinate for all sorts of reasons, like anxiety, avoidance, etc. When you figure out why you are procrastinating, you can then create an action plan. By focusing on what you need to do, you will stop wasting time!
14. Get off social media.
Okay, you’re probably thinking, “there’s no way that I can cut out social media!” I’m not saying that you need to cut it out entirely, but if you spend a little less time everyday on social media, you will find valuable hours each week.
Social Media Today found that the average person spends nearly two hours a day on social media. When you add all of that time up, it equals to wasting over 5 YEARS of your life on social media. That’s shocking!
If you find that you are spending too much time on social media and that it’s preventing you from being productive, you may want to close the accounts you are spending too much time on. You can even create a time block so you cannot access your accounts during certain periods of the day, and so on.
15. Singletask more.
There are some people who say that learning to multitask can help you learn how to be productive, but I don’t 100% agree with that.
Now, some people can multitask successfully, but many people cannot with the large amount of time it takes to refocus on a new task. So, when you are constantly switching back and forth, you waste time refocusing.
This is one tip that is helpful if you want to learn how to be more productive at work.
It’s best to realize your strengths and weaknesses to know whether or not multitasking actually helps you save time. For myself, I’ve found that focusing on one thing at a time is actually how I save the most time when working.
16. The snooze button is probably hurting you.
Getting an extra five minutes of sleep after your alarm goes off isn’t going to change your life. There are many scientific studies proving that hitting the snooze button does nothing good for you.
I know many people who set their alarms to go off anywhere from 30 minutes to an hour before they actually want to wake up.
I’m not going to lie. I used to do this as well and thought it was the only way I could get up. It definitely did not work, as I always felt extremely groggy and sometimes even more tired!
If you want to learn how to be productive, wake up when your alarm first goes off to use those minutes valuably. If you are so tired in the morning that you feel you need to hit the snooze button, then you should either start going to sleep earlier in the evening or set your alarm for when you actually need to get out of bed.
17. Know your peak hours.
Each of us has certain hours of the day that we work more efficiently. For some people, it’s in the morning, while others work well late at night. I’ve even read that many people are the most productive right before lunch because they are hungry.
You can learn how to be productive by spending a week paying attention to the times of the day when you are most focused. Those are your peak hours, and most people have two peak hours per day.
Knowing your peak hours will help you learn how to concentrate and complete high-priority tasks. This will help you get the most important or complicated things done.
What are your top tips on how to be productive? Do you think you waste time each day?
There are numerous ways to save money, but many people think putting funds away is difficult. Rather than stopping themselves from opening a savings account, they could start with easy ways to save money and build their funds to meet their financial goals.
5 Easy Ways to Save Money
I’m writing to you sitting next to a jar. This jar is stuffed full (okay, imagine it gently filled — it’s a small jar) of $5 bills. I do not feel proud that this is the best way I’ve found yet to save money consistently. Somehow, having it sit there on the window sill is a gentle reminder that there are more important things to spend my cash on than the x, y, and z that usually make the list:
X = a new wireless router; mine is working, just not sparklingly Y = a quick run to the shop on the corner for a thermos of coffee Z = delivery pizza for dinner instead of leftovers.
I can’t quite figure out why this works, but I feel that there is some deep insight here. The thing is, there is “saving” money and then there is “saving money.” In one case you’re putting money away that you intend to spend later (much, much later if all goes well). In another case you are spending money, but not quite as much as you would have otherwise. The trick is to move the extra money from the latter to the former.
1. Save Every $5 Bill
The $5 bill jar is one way, and I found it on Pinterest. Every time you come into possession of a $5 bill, usually as change from another purchase, you save it and put it in a jar.
Some savers have an envelope in their wallet (that won’t work in my tiny wallet, but anyway…) and, every $50 or so, transfer it to a high-yield savings account. Other savers have a goal in mind, like Christmas presents, and the money is for that. I’m combining two Pinterest ideas, and I’ve painted chalkboard paint on my jar so I can write in what I’m saving for.
Related >> Research the best options for a high-yield savings account.
Result of the $5 Pinterest Challenge
I was encouraged to do this by my nine-year-old, who told me one day shortly after Christmas that he had an idea.
“Why don’t you pick an amount every time you get money, like $20, and put it in a jar to save?” he asked.
“What am I saving for?”
“Christmas presents! That way you’ll have a whole lot of money!”
The world conspired to create my jar. I haven’t counted, but there must be $30 or $40 already after just a few weeks. I think this works by setting an easily followed rule that creates an emotional barrier between me and the money. If I spend a $5 bill, I’ve betrayed my own set of internal rules.
2. Save Money ‘Older Than You’
This is a natural outcome from the inspiration given to me by my first work mentor, Herb Althouse. He was a managing director in the loan syndications group at First Union. It was my very first job out of college. I was not even 22 when I started work, and he thought of me as impossibly, adorably young.
To emphasize my adorable youth, he would regularly dig in his pocket and give me all the coins that were older than me. Ever since, I’ve very carefully saved all the coins older than me. I won’t spend a 1970 quarter, even if that means I have to use inexact change. It’s an emotional tribute to Herb.
I realize that this won’t probably result in saving a ton of money (especially if you were born before the ’60s). But it helped me establish the limits that are now keeping me from spending my fives.
3. Set Up Automatic Savings From Paycheck
I remember when I first got a paycheck for my work as a counter girl at the Arctic Circle, a fairly tiny, local fast-food chain that is now even tinier. (Occasionally, I make pilgrimages to one of the last remaining outlets in the coastal town of Newport, Oregon, but it’s not as good as I remember.)
I, displaying my adolescent quant-jock nature, had carefully calculated deductions based on the hours I’d added on my time card. Every two-week pay period, I would multiply my hours by my hourly rate. Then I’d deduct 0.06 for social security, 0.165 for unemployment and a tax rate based on the last paycheck. I knew how much, to the last nickel, would be in my check. It was so frustrating to know how much the gross income was and then be able to spend only the net. I had a cheerleading uniform to save for, after all!
Related >> See how to spend your tax refund.
But I couldn’t spend the money, and one gets used to that post-deduction amount after awhile.
Unlike the 14-year-old me, most adults don’t sit with a notebook, a pencil, and a calculator, figuring out what each check will look like. You get used to only seeing the amount in the “net” line and forgetting the deductions. That’s why it’s so useful to take advantage of whatever automatic savings plan your employer might offer. These include a 401(k) or a simple automatic deduction into a savings account that you designate.
The Army has a fantastic savings plan for military members deployed in designated combat zones that allows soldiers to earn up to 10% interest on $10,000. Pre-paycheck deductions allow you to create that emotional distance from the money you need to keep it in the savings account.
4. Set Up Saving Habits Based on Behavior
My nine-year-old was probably inspired by the summer we saved for his Nintendo DS. I was reluctant to get him a game machie. But with his dad deployed for the first time, the two of them agreed we would tie it somehow to goals we had for his behavior.
So we decided that, each time either Dad or I got paid, we would put $20 in a special envelope toward the DS: if he had been helpful over the preceding period. If he was unusually patient or wonderfully helpful, I’d add in a little extra, $5 or $10. While we were somewhat generous in assessing helpfulness, he was also quite helpful. And because I’d promised to tie the reward to his behavior, and promised him he’d eventually get the Nintendo, I had a powerful emotional incentive to keep my word.
It’s easiest to use promises to motivate your savings behavior when the term for the goal is somewhat short and the other party to the promise can monitor your progress. The physical act of putting the money in the envelope was something I did in front of my son. We only had a few months’ time to reach our goal. You could also, if you promised a spouse or an older child, put money in an online savings account to which you both have access.
Another more institutional equivalent would be if you file your taxes very early. For example, putting some amount of money in your IRA before tax day in April. I did this for both myself and my husband this year. No motivation like not having to file an amended tax return!
5. Come Up With Penalties as Motivation to Save
Yes, we’re motivated best by positive stimulus (This is my best lesson from parenting three boys with cognitive development delays.) But adding penalties is sometimes the best way of forcing ourselves to do things.
I am, for instance, a wonderful saver. I can transfer money into my online savings account with the best of them! I’m rather awful at keeping myself from accessing that money if I really want to take advantage of this one-time-only offer on super awesome film for my vintage Polaroid SX-70. Or if my friends are organizing a group buy of wool comforters.
So it’s best if I put my money in an account from which I will not be able to withdraw money easily, or without penalties. Sure, sometimes there are limits on withdrawals from savings accounts. But those don’t kick in until the end of the account cycle, so that’s not necessarily a good enough penalty. I find that the “penalties” (in both brokerage fees and time for the sale to clear) of selling stock in my Sharebuilder account are far more effective as a deterrent. It has to be that I don’t have money for food or the mortgage before I’ll do that.
You could think of a large number of ways to add in withdrawal penalties. These include structural ones like the military’s savings plan that only allows withdrawals every 120 days, or a 401(k). Or practical ones like adding money to some online savings or payment account like Paypal or Dwolla. These will take a few days to get back if you need it, giving yourself a buffer to rethink your decision.
Adding penalties to the front end is trickier. But savers can accomplish this by automatic bank drafts that are available from online savings and investment accounts. The Sharebuilder account will withdraw a fixed amount of money each month from your bank account to invest in a pre-selected group of investments. You can cancel or delay it, but it will still trigger that opportunity to rethink your decision. If you’re trying to save cash, you’ll have to make your own self-imposed penalty. Maybe if you spend a $5 bill, you have to go without something the next day. (For me, chocolate works as a powerful motivator!)
We All Want to Save. We Just Need Help.
I don’t think there is a single Get Rich Slowly reader who doesn’t have a desire to save and to keep that money in savings accounts until the emergency occurs or they reach a goal. But it’s really hard, on both counts. I’d be willing to bet that a surprisingly large percentage of GRS readers don’t save (or don’t save nearly enough). Starting small and easy is best. Keep in mind that we have a strong set of emotional tools at hand to help us along the way.
How can you set up emotional connections to savings, both on the front and the back end?
Tap on the profile icon to edit your financial details.
Just because you retire doesn’t mean you have to stop working. And when work is an option rather than a requirement, it’s possible to select a low-stress job that multiplies fulfillment without adding anxiety — but still provides a bit of much-appreciated income. There are, in fact, a variety of such low-stress, high-reward jobs well-suited to the needs of retirees.
A financial advisor can help you devise a plan that will give you the flexibility to make choices in retirement.
Working in Retirement
People may continue working after retirement for a variety of reasons, including the benefits of generating additional income, the satisfaction of making a contribution and the stimulation of staying engaged. If nothing else, work can get them out of the house and fill the hours formerly devoted to their careers.
Many jobs are, however, likely to be more trouble than they are worth to a typical retiree. If what you are after is fulfillment without stress, it doesn’t make much sense to apply for a position as, say, a law enforcement officer working undercover for a drug-smuggling ring. Fortunately, there are many jobs that offer lots of benefits without lots of stress.
Low-Stress Jobs for Retirees
The work you do in retirement can be an extension of your former career or head off in a diametrically opposed direction. Either way, here are 12 possibilities:
Tutoring
Decades of life experience can admirably equip retirees to work as part-time tutors to students at various levels of education. English as a Second Language, for example, is a subject area many retirees can assist students with, while maintaining flexible hours and keeping supervision and red tape to a minimum.
Pet Care
For people who like getting outside and spending time with animals, walking dogs is a way to get paid for enjoying themselves. Sitting, grooming and transporting dogs as well as cats and other pets can offer similar appeal.
Massage Therapist
Many massage therapists see clients at their own homes or in annexes on the property, meaning there’s no commute and little hassle or overhead. If you enjoy helping others through the healing properties of touch, this could be a retirement gig for you.
Personal Trainer
A dedicated runner, swimmer, biker or gym rat, can get paid for sharing their knowledge and passion for fitness with others who are chasing their own fitness goals. Tasks include selecting exercises, structuring workouts and developing training plans.
Consultant
If you had a lengthy career in nearly any knowledge-based field, you may be able to monetize that experience in retirement while also being able pick and choose your clients, working flexible hours and even earning a handsome income, all as a self-employed consultant to businesses.
Life Coach
If helping individuals as opposed to businesses is more your style, you can set yourself up as a life coach helping people reach fulfillment by attaining goals in their professional and personal lives.
Travel Agent
Many who love to travel find earning fees and commissions as travel agents to be a good job in retirement. The work involves recommending destinations, organizing itineraries and booking tickets for transportation, lodging, meals and events.
Library Worker
Bibliophiles can surround themselves with books and get paid for the privilege by working at the library. Many positions are part-time and tend, almost by definition, to be low in noise, hustle and bustle.
Tour Guide
Museums, historical sites, nature centers, monuments and other attractions commonly employ guides to provide visitors with information and assistance as they tour the facility. The positions are well-suited to retirees who want to make some extra money and interact with a variety of people in a relaxed environment.
Personal Shopper
Retirees can shop until they drop without having to spend a dime of their own money – and even earn a few bucks – by working as personal shoppers. This job involves serving people who need help choosing clothing and accessories that fit their personal styles.
Landscape Artist
Cultivating b eautiful landscapes is a passion for many retirees. A peaceful day tilling the soil can also be a source of income with a job as a gardener or landscaper.
Event Coordinator
If you possess robust organization skills and are detail-oriented, there is always a demand for people who can plan and coordinate weddings, parties, conferences and other events.
Bottom Line
Although there probably are as many reasons for continuing to work after retiring as there are working retirees, it’s a safe bet that few if any are showing up for work in search of added stress. Fortunately, there are plenty of jobs open to retirees that pair high levels of fulfillment with low levels of stress.
Retirement Planning Tips
Generating sufficient income in retirement can be a challenge without the help of an experienced and qualified financial advisor. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
Whether you are retired and working mostly for non-financial means or still in the workforce and focused on earning income, SmartAsset’s paycheck calculator will tell you how much your employer will withhold from your check for federal, state and local taxes.
Mark Henricks
Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.
An open house is a crucial component of the home sale process. Start with these tips for staging an open house, but don’t stop there. Potential buyers are likely to inspect all areas of the house. Yes, even your “junk drawer” and closets. Here’s a list of five often forgotten places that potential homeowners may check.
The sides of your house
When you spruce up your front yard and backyard, pay attention the sides of your home as well. Potential buyers will likely look at the exterior of your house from all angles. One unkempt side may turn them off from the rest of the home. Make sure the paint and landscaping is in good condition from all angles.
Inside your closets
Don’t stuff everything in your closets and hope no one will open them. Even if the potential buyers aren’t fashionistas, they may still care about closet space. Show it off by organizing it. You wouldn’t want a potential buyer to open a closet just to find a hodgepodge of the belongings you stashed there.
Under your bed
Removing the bulk of storage from your closets is a great way to make closet space appear bigger, but that doesn’t mean your stuff should be shoved under the bed. Not only is it an eyesore, but the potential homebuyer might also see it as a sign that there is not enough storage space. Your best bet is to invest in temporary external storage space so that your open house has all the space it needs.
Inside the shower
Chances are no one wants a small, cramped bathroom. Create storage solutions that may make your space appear bigger and brighter to buyers. For example, stash toiletries and cleaning supplies in a separate closet, a dresser, or under the sink.
Your drawers and cabinets
Potential buyers will probably open drawers and cabinets. Spend time getting inspired by these home organizers. Think about all of the details like your spice rack, whether your dishes match, and finally taming your “junk drawer.” In need of more inspiration? Our Pins may help!
Go the extra mile, and don’t get caught off guard. You wouldn’t want to scream a slow motion “nooooo” as a potential buyer innocently reaches to open a closet.
On average, it costs $23,890 a year to attend an out-of-state school versus $9,410 for an in-state school. That’s $14,480 more per year you could pay — just to attend a college in a different state than where you grew up.
Source: Giphy.com
Over four years, you could end up paying $60,000 more than someone who attends school in-state. So, what are some ways you can lower the cost of out-of-state tuition? Here are seven of our biggest tips.
What’s Ahead:
1. Research Regional Reciprocity Programs
Many schools have “regional reciprocity agreements” or “tuition exchange programs” that let you attend certain out-of-state colleges for in-state rates.
For instance, 18 colleges in Georgia offer in-state tuition to residents of border states. This includes Alabama, Tennessee, North Carolina, South Carolina, and Florida.
On a much broader scale, several states have banded together to create regional reciprocity programs that give you reduced out-of-state tuition at hundreds of public and private schools.
The four biggest regional reciprocity programs include:
Midwest Student Exchange — Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, and Wisconsin.
The New England Regional Student Program — Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
Academic Common Market — Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and West Virginia.
Western Undergraduate Exchange — Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming, and the Commonwealth of the Northern Mariana Islands.
Some schools will offer in-state tuition to any student in a neighboring state, while others may require you to meet certain criteria — such as having a specific high school GPA or declaring a certain major.
MU30 Tip: Already have a few colleges in mind? Look on their websites or contact financial aid to see if they have any tuition exchange or reciprocity programs in place.
2. See If You Qualify for a Tuition Waiver
In some cases, you may be able to get a tuition waiver that allows you to attend an out-of-state college at a reduced rate. Tuition waivers are usually granted to students with special circumstances:
You (or someone in your immediate family) is a veteran or active duty military member.
You were valedictorian or a high achiever.
You’re enrolled in a special degree program, such as STEM or health care.
You work for the school you wish to attend.
You were or are a part of the foster care system.
You’re a nontraditional student.
You’re of Native American heritage.
You have a financial hardship.
To see if you qualify, search for the phrase “tuition waiver” on your favorite schools’ websites. This should pull up a list of all the tuition waivers currently available. (For example, I found 13 waivers on the University of Washington’s website.)
3. Apply for Out-of-State Scholarships
There are several scholarships specifically for students who are attending college out-of-state. These scholarships can help you cover the costs of tuition, room and board, and other expenses.
To find out-of-state scholarships, start by checking with your college’s financial aid office. There’s a good chance the school has scholarships earmarked for nonresidents.
From there, do a scholarship search using a tool like the College Board Scholarship Search or Fastweb. You may find some private scholarships to help lower your out-of-pocket costs.
Read more: Scholarships and Grants: How To Score Free Money for College
MU30 Tip: Does your parent or guardian work in higher education at one of these Tuition Exchange member schools? If so, you can apply for a reciprocal scholarship that lets you attend hundreds of schools in the U.S., Canada, Greece, Morocco, the United Arab Emirates, and Switzerland at a free or reduced rate!
4. Think About Becoming a Resident Assistant
If you’re planning on attending college out-of-state, one way to lower your costs is to become a resident assistant (RA). RAs typically receive free or reduced-cost housing in exchange for their duties, which can include things like leading tours and organizing social events.
So while you may not get a tuition discount, it could help you save on housing while you’re there.
To become an RA, start by talking to your college’s housing office. They should be able to tell you about any open RA positions and their requirements. You may also need to fill out an application and go through an interview process.
5. Negotiate Out-of-State Tuition With the Financial Aid Office
It’s not widely advertised, but you can technically negotiate the cost of tuition and fees with the financial aid office. In fact, doing so could save you anywhere from 5% to 15%. On a four-year degree that costs $60,000, that’s a savings of $3,000 to $9,000.
Beyond negotiating, the financial aid office is also a way to find out what types of aid are available to you as an out-of-state student.
Read more:
6. Become an In-State Resident
This tip may seem a little far-fetched, but hear me out. If you’re taking a gap year, for instance, and have time to establish residency in the state where you want to attend college, it could be worth it.
Every state has different requirements for residency, but you’ll typically need to live there for at least a year before you can apply for in-state status.
Start by researching the requirements for the state you want to move to, then get working on completing them. This could include getting a job or an apartment in the state, getting a driver’s license, and more.
7. Look for Schools With Lower Out-of-State Tuition Rates
If all else fails and there’s no way for you to get reduced out-of-state tuition, another option is to simply look for schools that charge lower rates for out-of-state students.
MU30 Tip: Want to see which colleges have the lowest tuition rates? Check out this affordability calculator from the U.S. Department of Education.
Once you have out-of-state tuition rates for different colleges, you can start to compare your options and make a decision about which school is the best fit for you.
Read more: Not Enough Financial Aid? Here are 10 Ways To Pay for College
Bottom Line
Out-of-state tuition can be costly, but there are ways to minimize costs without racking up a ton of student loan debt. Use these tips to see how much you can save.
Featured image: Alexander Lukatskiy/Shutterstock.com
On average, it costs $23,890 a year to attend an out-of-state school versus $9,410 for an in-state school. That’s $14,480 more per year you could pay — just to attend a college in a different state than where you grew up.
Source: Giphy.com
Over four years, you could end up paying $60,000 more than someone who attends school in-state. So, what are some ways you can lower the cost of out-of-state tuition? Here are seven of our biggest tips.
What’s Ahead:
1. Research Regional Reciprocity Programs
Many schools have “regional reciprocity agreements” or “tuition exchange programs” that let you attend certain out-of-state colleges for in-state rates.
For instance, 18 colleges in Georgia offer in-state tuition to residents of border states. This includes Alabama, Tennessee, North Carolina, South Carolina, and Florida.
On a much broader scale, several states have banded together to create regional reciprocity programs that give you reduced out-of-state tuition at hundreds of public and private schools.
The four biggest regional reciprocity programs include:
Midwest Student Exchange — Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, and Wisconsin.
The New England Regional Student Program — Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
Academic Common Market — Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and West Virginia.
Western Undergraduate Exchange — Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming, and the Commonwealth of the Northern Mariana Islands.
Some schools will offer in-state tuition to any student in a neighboring state, while others may require you to meet certain criteria — such as having a specific high school GPA or declaring a certain major.
MU30 Tip: Already have a few colleges in mind? Look on their websites or contact financial aid to see if they have any tuition exchange or reciprocity programs in place.
2. See If You Qualify for a Tuition Waiver
In some cases, you may be able to get a tuition waiver that allows you to attend an out-of-state college at a reduced rate. Tuition waivers are usually granted to students with special circumstances:
You (or someone in your immediate family) is a veteran or active duty military member.
You were valedictorian or a high achiever.
You’re enrolled in a special degree program, such as STEM or health care.
You work for the school you wish to attend.
You were or are a part of the foster care system.
You’re a nontraditional student.
You’re of Native American heritage.
You have a financial hardship.
To see if you qualify, search for the phrase “tuition waiver” on your favorite schools’ websites. This should pull up a list of all the tuition waivers currently available. (For example, I found 13 waivers on the University of Washington’s website.)
3. Apply for Out-of-State Scholarships
There are several scholarships specifically for students who are attending college out-of-state. These scholarships can help you cover the costs of tuition, room and board, and other expenses.
To find out-of-state scholarships, start by checking with your college’s financial aid office. There’s a good chance the school has scholarships earmarked for nonresidents.
From there, do a scholarship search using a tool like the College Board Scholarship Search or Fastweb. You may find some private scholarships to help lower your out-of-pocket costs.
Read more: Scholarships and Grants: How To Score Free Money for College
MU30 Tip: Does your parent or guardian work in higher education at one of these Tuition Exchange member schools? If so, you can apply for a reciprocal scholarship that lets you attend hundreds of schools in the U.S., Canada, Greece, Morocco, the United Arab Emirates, and Switzerland at a free or reduced rate!
4. Think About Becoming a Resident Assistant
If you’re planning on attending college out-of-state, one way to lower your costs is to become a resident assistant (RA). RAs typically receive free or reduced-cost housing in exchange for their duties, which can include things like leading tours and organizing social events.
So while you may not get a tuition discount, it could help you save on housing while you’re there.
To become an RA, start by talking to your college’s housing office. They should be able to tell you about any open RA positions and their requirements. You may also need to fill out an application and go through an interview process.
5. Negotiate Out-of-State Tuition With the Financial Aid Office
It’s not widely advertised, but you can technically negotiate the cost of tuition and fees with the financial aid office. In fact, doing so could save you anywhere from 5% to 15%. On a four-year degree that costs $60,000, that’s a savings of $3,000 to $9,000.
Beyond negotiating, the financial aid office is also a way to find out what types of aid are available to you as an out-of-state student.
Read more:
6. Become an In-State Resident
This tip may seem a little far-fetched, but hear me out. If you’re taking a gap year, for instance, and have time to establish residency in the state where you want to attend college, it could be worth it.
Every state has different requirements for residency, but you’ll typically need to live there for at least a year before you can apply for in-state status.
Start by researching the requirements for the state you want to move to, then get working on completing them. This could include getting a job or an apartment in the state, getting a driver’s license, and more.
7. Look for Schools With Lower Out-of-State Tuition Rates
If all else fails and there’s no way for you to get reduced out-of-state tuition, another option is to simply look for schools that charge lower rates for out-of-state students.
MU30 Tip: Want to see which colleges have the lowest tuition rates? Check out this affordability calculator from the U.S. Department of Education.
Once you have out-of-state tuition rates for different colleges, you can start to compare your options and make a decision about which school is the best fit for you.
Read more: Not Enough Financial Aid? Here are 10 Ways To Pay for College
Bottom Line
Out-of-state tuition can be costly, but there are ways to minimize costs without racking up a ton of student loan debt. Use these tips to see how much you can save.
Featured image: Alexander Lukatskiy/Shutterstock.com
Inside: This guide provides tips on frugal home must haves, so you can save money and live responsibly, while also enjoying a healthy environment and good health.
Are you looking for ways to save money and still have a clean and organized home?
If so, you are in the right place. In this blog post, I am going to share with you frugal home must haves that will help you save money.
But before we get started, let me ask you a question:
Do you ever feel like your home is a never-ending cycle of cleaning and organizing? That you use products that are for one use only and know there are better products out there.
If so, you are not alone. Most people feel this way at some point in their lives.
The good news is that there are ways to save money and start to incorporate bits and pieces of a frugal lifestyle into your life.
So, without further ado, here are 19 frugal home must-haves to help you save money:
What is frugality?
Frugality is the practice of being very intentional with your spending, prioritizing the things that matter the most to you, and cutting back on spending in other areas.
It doesn’t necessarily mean sacrificing your favorite brand of cereal, living without napkins, or giving up on adventurous vacations. Instead, frugality is about making smart money choices and learning to live below your means.
It is not the same as being cheap, which involves saving money at the expense of others.
Rather, being frugal means being economical with your money, making it stretch further so you can do more with less.
Frugal living is a journey, not a destination, and it starts with creating a budget that you can live with and looking for ways to save money.
What are the most frugal must-haves for a home?
The most important frugal must haves for you are those that save you money and time.
As such, what you value the most will differ from me. However, there are some basic underlying frugal items that every house needs. So, we will cover those bloew.
More importantly, more individuals are looking to become frugal green to save the environment as well as money.
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.
best frugal home must-haves for saving money
Home is where the heart is, and we want our homes to be clean, organized, and comfortable without spending a fortune.
However, sometimes it can be tough to keep up with everything – especially on a budget.
Here are 19 frugal home must-haves that will help you save money and make your life easier!
1. Microfiber Cloths
Microfiber cloths are a frugal home must-have for saving money. Yep, I drive my mother-in-law crazy because I do not use paper towels.
They are cost-effective as compared to disposable cleaning supplies and can be used for various cleaning tasks around the house. They are more effective than cotton cloths as they rarely leave smears and dry as they wipe.
Plus, microfiber cloths can be color-coded for different cleaning tasks. To ensure their effectiveness and longevity, microfiber cloths should be washed separately from other laundry and should not be washed with fabric softeners or bleach.
2. Drying Rack
Owning a drying rack can be a smart investment for those looking to save money and energy in the long run. There are many types of drying racks available, from outdoor rotary clotheslines to indoor airers.
Personally, we use our drying rack ALL.THE.TIME!
Plus, using a drying rack is an eco-friendly alternative to using a dryer, which can reduce your carbon footprint and help you live a more sustainable lifestyle.
This is the drying rack we personally own and love.
3. Instant Pot or Crock Pot
Move over crockpot, the Instant Pot is the hottest trend to stay! I’ll admit I was hesitant about owning an instant pot, but have decided it was well worth the investment for our frugal home.
An instant pot is a frugal must-have for any home looking to save money while still enjoying delicious meals. It is perfect for busy people who want to come home to a warm meal without the hassle of cooking.
Instant pots are not just about cooking one meal; they are perfect for batch-cooking frugal meals. This allows you to cook multiple meals in one go, freezing the extra for another day.
You can also use cheaper cuts of meat and tenderize them in the instant pot. Some examples of meals that can be made in a crock pot include soups, stews, chilis, and even whole chicken for homemade stock.
An instant pot is an efficient and cost-effective way to enjoy home-cooked meals without breaking the bank.
Here is the instant pot / air fryer combe we personally own.
4. Reusable Grocery Bags
Many states, including ours, now charge 10 cents per bag when checking out at any store!
By bringing your own bags, you can avoid the extra fees charged for plastic bags at many stores.
Additionally, reusable bags are sturdier and can hold more items, reducing the need for multiple bags.
Switching to reusable bags also helps reduce plastic waste, which is harmful to the environment. So, invest in some reusable bags and make a positive impact on your wallet and the planet.
5. Beeswax Wraps
Beeswax wraps are a fantastic frugal and eco-friendly alternative to plastic wraps.
Made from organic cotton and covered in beeswax, they are versatile and come in various sizes. They can replace both cling film and foil, lasting for a long time as long as they are not washed in hot water or put in the microwave.
These wraps can save money in the long run as they are reusable and can be used for a variety of purposes, from wrapping bread to covering bowls.
To care for them, wash them in cool soapy water and avoid hot water or the microwave. With beeswax wraps, you can be frugal and eco-friendly at the same time!
6. Charging Stations To Reduce Energy
Standby losses refer to the energy consumed by electronic devices even when they are turned off but still plugged in. For instance, a TV on standby mode, a phone charger left plugged in, or a coffee maker are all examples of appliances that contribute to standby losses.
These losses can significantly impact your energy bill and add up over time.
However, there are practical ways to reduce standby losses and save money.
Use an energy-efficient power strip to plug in multiple devices and switch them off in one go.
Invest in a “smart” power strip that automatically turns off devices when they are not in use.
By taking these steps, you can reduce standby losses and save money on your energy bills.
7. Glass Jars
Glass jars are incredibly versatile and can be used for storing everything.
Using glass jars is also cost-effective since they can be reused over and over again.
With their airtight seals, they are perfect for storing food items, and their clear glass makes it easy to see what’s inside. They are also great for organizing small items like pens, hair bands, and cut flowers.
Overall, using glass jars is an easy way to save money while keeping your home clean and organized.
8. Hot Tea Maker Electric Glass Kettle
This is the updated version of the traditional teapot due to its durability, versatility, and cost-effectiveness.
It can be used to make a large amount of tea at once, making it perfect for entertaining guests or for daily use.
Additionally, it is a one-time investment that can last for years, which saves money in the long run.
Also, by using loose tea leaves instead of tea bags, you can also save money and reduce waste.
9. Coffee Pot
If you’re a coffee lover, you know how quickly buying coffee on a daily basis can add up and become a significant expense.
However, there is a simple solution to this problem – investing in a coffee pot you love.
By brewing your coffee at home, you can save several dollars each week, which can add up to a considerable amount over time.
Moreover, if you’re someone who enjoys lattes, there are coffee pots available that can make lattes at home. This means that you don’t have to spend a fortune on lattes from coffee shops or cafes.
With a good coffee maker, you can enjoy the great taste of coffee at home while saving money.
If you invest in a single-use coffee maker, then make sure you are using reusable K-cups.
10. Laundry Bags
Seriously, this was the greatest idea I found out from a baseball mom. Never worry about mixing up clothes between family members again!
By using laundry bags, you prevent clothes from getting lost or mixed up in the wash, and can also help prolong the life of delicate fabrics.
To care for your laundry bags, simply toss them in the washing machine with your laundry and air dry.
11. Baking Soda
Baking soda is a frugal home must-have that can be used for cleaning and organizing your home in many ways.
It is a multipurpose cleaner and deodorizer that can be used to clean surfaces, carpets, laundry, even fruits and vegetables.
By mixing baking soda with water, you can create a paste that can be used to clean almost everything. It can also be used to deodorize your refrigerator, carpets, and shoes. Additionally, you can sprinkle baking soda on your mattress and vacuum it up to remove odors.
Overall, baking soda is a versatile and inexpensive household item that can help you keep your home clean and fresh.
12. Vinegar
Vinegar is an incredibly versatile and cost-effective must-have for any frugal home. It can be used for cleaning and organizing in a variety of ways.
Vinegar is effective in removing stains, cleaning surfaces, and freshening up the home. It is also safe to use around children and pets, making it a great alternative to harsh chemical cleaners.
For cleaning surfaces, vinegar can be mixed with water and used to clean windows, mirrors, and countertops. It can also be used to remove stains from carpets and clothing. In addition, vinegar can be used to freshen up the home by adding a few drops to a diffuser or spraying it in the air.
To incorporate vinegar into daily cleaning routines, it can be added to a spray bottle with water and used to clean surfaces as needed. It can also be used as a natural fabric softener in the laundry by adding a cup to the rinse cycle.
When using vinegar, it should not be used on certain surfaces such as marble or granite as it can cause damage.
13. Reusable Water Bottles
Using reusable water bottles is an important step towards a more frugal and eco-friendly lifestyle.
It can save money by eliminating the need to buy single-use plastic water bottles, and it also helps reduce waste and pollution.
When choosing a reusable water bottle, look for one with a filter to ensure fresh water anytime, anywhere.
Opt for bottles made from durable and non-toxic materials such as stainless steel or glass.
Keeping a reusable water bottle also promotes healthy hydration habits.
14. A Large Freezer
A large freezer in your home is a frugal must-have for many reasons.
Not only does it provide money-saving opportunities by allowing you to stockpile food on a budget and freeze extra portions from batch cooking, but it also helps you take advantage of great deals you find at the store.
With a well-stocked freezer, you can shop your stock first and freeze nearly everything you buy for later use.
Additionally, having a large freezer can help you save on your electricity bill by allowing you to fill it up to two-thirds capacity, which makes it more efficient.
Also, you may want to purchase this freezer lock to make sure it stays closed.
15. Reusable Food Storage Containers
Using reusable food storage containers like BPA-free plastic or glass containers is an effective way to reduce waste and promote eco-friendly living.
BPA-free plastic containers are ideal for those who have limited space for storage and prefer lightweight and durable containers. They are freezer, microwave, and steamer safe, making them perfect for storing and reheating various types of food.
On the other hand, glass containers are an excellent alternative to plastic containers. They are incredibly environmentally friendly and can be reused over and over again, making them an indispensable tool in your quest for simple and frugal home living.
Since they are also reusable, saving you money in the long run. You only need a few of them for your daily use.
16. Reusable Food Bags
Reusable food bags are a great way to reduce your carbon footprint and be more eco-friendly in your daily life. These bags are made from BPA-free materials and are designed to be used over and over again, making them a great alternative to single-use plastic bags.
Here are the benefits of reusable food bags:
Versatile and can be used for a variety of purposes as they are freezer, microwave, and steamer safe, making them perfect for storing, heating, and cooking food.
Perfect for packing lunches and snacks, as they are lightweight and easy to carry.
Durable and long-lasting.
Ability to use them again and again, reducing the amount of waste that you produce.
Unlike plastic bags, which can easily tear or break, these bags are made from sturdy materials that can withstand daily use.
While the initial cost of these bags may be higher than that of plastic bags, they will pay for themselves over time as you won’t have to keep buying new bags. Plus, they are often sold in sets, so you can get multiple bags for a lower price.
17. Basic Toolkit for DIY Projects
A basic toolkit can be a valuable asset for homeowners as it can come in handy for simple home repairs and save money on professional services.
With the right tools and some DIY know-how, you can tackle many basic home repairs and maintenance tasks yourself, without having to hire a professional.
DIY tutorials are available online, and many of them are free. You can also attend community classes or evening courses at local colleges to learn DIY skills.
Also, you can look at sharing tools with neighbors or friends can help you save money and build a sense of community.
18. Storage Organization
Oh my goodness, there is no way I could manage without serious storage organization for our small house.
Thankfully, there are plenty of storage organization options to make sure you use optimal space in every single corner of your house.
Here are some of my favorite storage organization tricks:
19. Rotary Clothes Line
Owning a rotary clothesline is a must-have for frugal homeowners.
Not only is it a one-time cost that lasts for years, but it also helps save money on electricity bills as line drying reduces creases and eliminates the need for a dryer.
Additionally, a rotary clothesline takes up less space than a bulky dryer or indoor drying rack.
By using a rotary clothesline, you can enjoy the benefits of fresh, sun-dried laundry while saving money and space. It’s a win-win situation for both your wallet and your home.
20. Essential Oils
Essential oils can be used in a variety of ways, including for homemade beauty and cleaning products. For example, adding 15 drops of peppermint essential oil to a cup of baking soda can create a refreshing and invigorating scrub.
Essential oils can also be added to homemade shampoo and body wash recipes to provide a pleasant scent and potential therapeutic benefits. Some popular essential oils for these purposes include rosemary, lavender, and peppermint.
In addition to beauty and cleaning products, essential oils can also be used for aromatherapy purposes. Simply adding a few drops of essential oil to a diffuser or inhaling the scent directly can provide benefits such as stress relief and relaxation.
It’s important to note that essential oils should always be used with caution and according to their recommended guidelines, as they can be potent and may cause adverse reactions if not used correctly.
21. Rain Collector
Using a rain collector to water your vegetable garden is a great way to be eco-friendly and frugal at the same time.
This method can help you save money on your water bill and reduce your carbon footprint.
Rain collectors can be purchased for as little as $50 and provide a regular supply of free water throughout the year.
To use a rain collector for your vegetable garden, set it up in a location that is convenient for you to access and close to your garden. When it rains, the water will collect in the butt and be ready for use when you need it. You can use a watering can or attach a hose to the butt for easy watering.
Rainwater is especially good for watering vegetables because it is free of chemicals and additives that may be present in tap water.
22. Countertop Composter
A countertop composter is a great addition to a frugal home. It is a small, portable compost bin that can be kept on your kitchen counter, making it easy to compost food scraps and other organic waste.
By composting your food scraps, you can reduce the amount of waste that goes into landfills, which is not only good for the environment but also saves you money on garbage bags and waste disposal fees.
Countertop composters are available in various sizes and styles, so you can choose one that fits your needs and budget.
Some countertop composters are made of stainless steel or ceramic and have a sleek, modern look that blends in with your kitchen decor.
Others are made of plastic and have a more utilitarian design.
In addition to reducing waste and saving money, composting also produces nutrient-rich soil that can be used to fertilize your garden or houseplants. This can save you money on buying fertilizers and improve the health and productivity of your plants.
23. Knife Set
Having a good knife set is essential in a frugal home because it saves money in the long run. Yes, I have proof of this as I replace my 15-year-old knife under warranty.
Investing in an affordable yet durable set can be achieved by choosing stainless steel or high-carbon steel, which are both rust-resistant and long-lasting.
When choosing a set, consider the number of pieces you need and the type of knives required for your cooking needs.
To make your tools last longer, hand wash and dry them immediately after use, avoid using abrasive cleaners, and store them in a knife block or a drawer with dividers to prevent damage.
But, to be honest, these are the knife set I own and I put them in the dishwasher all the time.
24. Streaming Stick
If you haven’t upgraded to a smart TV yet, I understand you are frugal. Then, you need to invest in a streaming stick.
This simple device can help you lower your costs spent on cable while still streaming your favorite shows on Paramount, Hulu or YouTube.
Nowadays, you can expect to spend less than $50.
25. Soda Maker
This may seem like a splurge, but we, frugal people need a way to treat ourselves.
Having your own soda maker can be a great way to save money in the long run. While it may seem like an expensive investment at first, the cost of making your own soda (or seltzer) at home is significantly lower than constantly purchasing soda (or seltzer) from the store.
In fact, making soda at home can cost as little as 25 cents per liter, compared to the average cost of $1.50 per liter for store-bought soda.
Another cost-saving benefit of having your own soda maker is that you can control the ingredients. You can choose to make your soda with natural sweeteners like honey or stevia, rather than high fructose corn syrup, which is commonly found in store-bought soda. This not only saves you money in the long run, but it can also be a healthier option.
What are some good tips for living frugally?
Living frugally can be a great way to save money and achieve financial goals.
Here are some practical tips for living frugally that you can implement in your daily life:
Meal planning and home cooking can save money on food expenses. Brown bagging or oven lunch boxing your lunch is also a great way to save money. Learn how to be frugal with food.
Wash your laundry in cold water and use natural homemade cleaners to save on household expenses.
Create a budget that you can live with and look for areas where you can cut back on expenses. Pack your own lunch and cut back on entertainment costs.
Travel frugally by traveling during the off-season and cutting down on eating out. Opt for a place with a kitchen so you can make some of your own meals and purchase discounted airline tickets or fares.
Have fun for free by doing activities such as going to the park, having a picnic, or having a bonfire. There are so many things to do with no money.
Try out a few frugal living tips at a time to find out which works best for you and don’t forget to access free courses and worksheets to help with your frugal living journey.
Remember, frugal living doesn’t have to be a sacrifice and can actually help you fully enjoy what you care about in life.
Start taking small steps towards a more frugal lifestyle and see how it can positively impact your finances.
FAQ
There are many frugal home hacks that can help you save money and keep your home clean and organized.
Some practical and actionable tips include meal planning, home cooking, brown bagging your lunch, washing your laundry in cold water, and using natural homemade cleaners.
Before calling a handyman, consult YouTube to learn how to fix a leaky faucet or remodel your bathroom.
Examining your monthly bills for ways to save on electricity, water, cable, and even your cell phone can also help you save money.
By implementing these frugal hacks, you can make every penny and dollar count and stretch your budget further.
I always tell people to shop their own house first. Just because you don’t know where something is doesn’t mean you should go out and buy a new item.
Look around and see how you can reuse items.
Before heading out to the grocery store, look at your own pantry and freezer to see what you can use first.
Give these tips a try and see how much you can save!
Essential appliances and gadgets for a frugal, clean, and organized home include:
Which Frugal Home Ideas Will You Implement?
With a little bit of planning and effort, you can live frugally and still have a beautiful home.
One of the key points of frugality is buying quality items less often.
Too many times, people associate being frugal with cheap.
Being frugal means you are intentional with your spending on household items and prioritizing the things that matter most.
Plus, using frugal methods can be better for the environment and your health.
So what are you waiting for? Go out and buy some of these must-haves today!
Know someone else that needs this, too? Then, please share!!
Indianapolis can be a great place to live for those who value a vibrant downtown, a big small-town atmosphere, and a four-season climate. However, like any city, Indianapolis has its pros and cons that should be considered before making the decision to move there. Some of the pros of living in Indianapolis include a strong sports culture, easy transportation, and proximity to other major cities. On the other hand, some of the cons of living in Indianapolis include challenging winters, traffic, and a flat landscape. Ultimately, the decision to live in Indianapolis will depend on individual preferences. So, whether you’re looking on Redfin to rent an apartment in Indianapolis or purchase a home in the area, keep reading to see if Indianapolis is the right place for you.
Pros of living in Indianapolis
1. Vibrant downtown
Downtown Indianapolis is home to a variety of attractions, restaurants, and entertainment venues. The area is known for its vibrant nightlife, with numerous bars, clubs, and music venues that cater to a wide range of tastes. Additionally, downtown Indianapolis is home to a number of major sports and event venues, including Lucas Oil Stadium, Gainbridge Fieldhouse, and Victory Field. The area also boasts a number of popular tourist attractions, such as the Indianapolis Zoo, the Eiteljorg Museum of American Indians and Western Art, and the Indiana State Museum.
2. Sports culture
Indianapolis has a rich sports culture and is known for hosting several major sporting events throughout the year. The city is home to professional sports teams such as the NFL’s Indianapolis Colts, the NBA’s Indiana Pacers, the WNBAs Indiana Fever, and minor league baseball team the Indianapolis Indians. In addition to these teams, Indianapolis is also known for hosting the world-famous Indianapolis 500 at the Indianapolis Motor Speedway each year. The city is also home to the NCAA headquarters and hosts the NCAA basketball tournament each year, drawing thousands of visitors from all over the country. With such a strong presence in the world of sports, Indianapolis is a great place for sports enthusiasts to call home.
3. Easy transportation
Indianapolis has a fairly well-developed public transportation system, with several options for getting around the city. The city has a bus system, known as IndyGo, which covers most major areas of the city and has over thirty different bus routes. Additionally, Indianapolis has a Bus Rapid Transit (BRT) system, known as the IndyGo Red Line, which runs from Broad Ripple to the University of Indianapolis. With a bike score of 43, Indianapolis has an extensive network of bike lanes and trails throughout the city, making it easy to get around on two wheels. Finally, the city is also easily accessible by car, with several major highways and interstates running through the area.
4. Proximity to other major cities
One of the advantages of living in Indianapolis is its proximity to other major cities in the Midwest. Located in the heart of Indiana, Indianapolis is within easy driving distance of several other major cities, including Chicago, Cincinnati, and Louisville. Chicago is just about a three-hour drive away, Cincinnati is located around two hours south of Indianapolis, and Louisville is around a two hour drive southeast. Being located so close to these other major cities means that Indianapolis residents have easy access to a wide variety of cultural attractions, entertainment venues, and opportunities outside of their own city.
5. Big, small-town vibe
Despite being a major city, Indianapolis maintains a “big, small-town” atmosphere that many residents appreciate. The city is known for its friendly and welcoming community, with a strong sense of Midwestern hospitality. The downtown area is walkable and easy to navigate and many neighborhoods have a cozy, small-town feel. Additionally, the city is known for its tight-knit neighborhoods, with residents often organizing community events and festivals. Some festivals in Indianapolis to check out include the Feast of Lanterns, 500 Festival, and Talbot Street Art Fair.
6. All four seasons
Indianapolis experiences all four seasons, making it an ideal location for those who enjoy a variety of weather conditions throughout the year. In the summer months, temperatures can reach into the 90s F°, with high humidity levels, making it a great time to enjoy water activities. Fall brings cooler temperatures and beautiful foliage, with vibrant reds, oranges, and yellows covering the city’s trees. Winter in Indianapolis can be cold and snowy, with temperatures often dipping below freezing and several inches of snowfall each year lend for perfect winter sports. Finally, spring brings milder temperatures with blossoming flowers and greenery returning to the city’s parks and neighborhoods.
Cons of living in Indianapolis
7. Challenging winters
While Indianapolis experiences all four seasons, the winter months can be particularly challenging for residents. Temperatures often dip below freezing, with wind chills making it feel even colder. Snowfall can be significant, with several inches of accumulation common throughout the season, making driving and walking on sidewalks difficult. Despite these challenges, many residents of Indianapolis embrace the winter months and enjoy outdoor activities such as ice skating, sledding, and skiing.
8. Flat landscape
If you enjoy a varied or hilly landscape , Indianapolis may not be for you. The city is largely flat and lacks natural features of other cities, such as mountains or oceans. Additionally, the city’s architecture is largely utilitarian, with a focus on functionality over aesthetics. While there are certainly beautiful neighborhoods and buildings in Indianapolis, some may find the overall landscape to be less visually interesting than other cities.
9. Lack of outdoor recreational opportunities
While Indianapolis offers a variety of outdoor recreational opportunities, some may find that the city lacks the expansive natural areas found in other cities. The city’s parks are generally smaller and the surrounding area is largely agricultural, with few opportunities for hiking, camping, or rock climbing. However, the city does have several beautiful trails, including the Monon Trail and the Indianapolis Cultural Trail. Additionally, the city is within driving distance of several state and national parks, including the Hoosier National Forest and the Mammoth Cave National Park.