The Ultimate Anti Boredom To-Do List: 67 things to keep you busy

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Being stuck in the house can only be as interesting as you make it. Finding activities to keep you engaged and stimulated for a long stretch of time can be a challenge. Unfortunately, if you are like most of the American population, COVID-19 has made this quarantine a reality.  For some this is a much […]

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10 More Bullet Journal Ideas for Students

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If you are looking for spread ideas to organize and plan your academics and personal life as a student, you have come to the right place! Here are 10 amazing Bullet Journal Ideas for Students. In this post, I will share another 10 bullet journal ideas for students, including exam trackers, semester planners, and personal…

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12 Tips to Save Money this Summer

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You can save money this summer! Remember how last year summer came and when it left, it seemed to take all your money away with it? Actually didn’t that happen the summer before too? And the summer before that? Well, not this year! In this post I’m going to give you 12 tips for saving money in the summer and they will help you end summer 2019 in a strong financial place.

12 TIPS TO SAVE MONEY THIS SUMMER

This post may contain affiliate links. 

KEEP THE OVEN OFF

On hot days, it’s important to keep the oven off because it will warm up your home even more and cause your cooling bill to skyrocket.

Brainstorm meals that can be served cold like pasta salad, quinoa salad, or sandwiches with a green salad on the side.

Keep a go-to list of your favorites on the refrigerator where you can reference it when you don’t know what to make for dinner.

If you want a warm meal without heating up your house, just use your Slow Cooker or Instapot instead.

Another great way to avoid using the oven is to…

COOK OUTSIDE

There are many benefits of grilling in the summer.

Of course, the biggest benefit is keeping the heat outside.

If you look for grocery sales, you’ll find lots of great deals on grilling foods during the months of May and June especially.

Free Expense Cutting Workbook

DRY OUTDOORS

Your laundry that is.

Hang a clothesline (or even throw some items over your deck rail) and take advantage of the summer heat to dry your clothes.

This will save you on the electricity costs of running your dryer. Plus, it will stop your dryer from heating up your home and raising your cooling costs.

SPEND LESS ON AIR CONDITIONING

Of course, keeping your oven off and drying outside aren’t the only way to save money on air conditioning.

You’ll also want to keep your blinds drawn during the day and keep those ceiling fans going to move the air around.

You can read all 10 of my tips for saving money air conditioning here.

FREEZE CABLE COSTS

Chances are you’re paying for cable and half a dozen other streaming services.

And during the summer when your family is constantly out and about, you’re probably not even watching them.

So instead of wasting all that money, simply cancel cable during the summer.

Bonus points if you cancel your streaming services too.

They’ll probably give you a great deal for signing back up in the fall.

But if you find you don’t really miss it, you can just keep those savings going for the whole year.

 

FIND FREE ENTERTAINMENT

There are so many summertime resources for free entertainment.

Start by checking out your library. They’ll have tons of free events at the library and information on other local events too.

Check online (with a simple Google search) for free events in your town. Check for other nearby towns too.

You’ll probably find lots of results like music in the park or outdoor movies.

Here is a long list of Free Summer Activities for Kids.

SAVE MONEY ON FOOD

There are so many ways to save money on food during the summer.

Visit your local farmers market and take advantage of the high-quality local produce they have to offer.

Here are 7 tips to save money at the farmers market.

When life gets crazy in the summer, our impulse is to get take-out or go out to eat every night.

Avoid that impulse and instead make a simple, flexible meal plan and use easy strategies for saving money on food.

HAVE A STAYCATION

Skip the fancy (read: expensive)

You can have lots of family fun within driving distance of your home, without having to pay those high summertime overnight costs.

Brainstorm ideas with your family. Make a list together of all the fun places you can visit nearby.

If you really think about it, the whole point of a vacation is to have some relaxing time with your family.

So, silence your phone, do a fun activity together, and make relaxing your priority.

You’ll feel the same refreshment a vacation brings for a much lower cost.

 

BACKYARD ADVENTURES

Sometimes the relaxing family time doesn’t even need to go further than the backyard.

Make a fun little spot in your yard that can be your go-to for summertime fun. It can have some fun chairs, and anything from a fire pit to a kiddie pool, depending on your season of life.

Then, when you’re tempted to go out and spend, consider just playing in your yard first.

12 tips to save money this summer

SKIP THE CAR

If your commute is close or you’re just putting around town, consider walking or biking instead of driving.

It’s a great way to fit exercise into your day and it’ll save you significantly on gas.

Challenge yourself to go a whole day without driving each week and see if you can do it!

REUSE YOUR BOTTLE

Instead of using those expensive one-use water bottles, switch to a reusable water bottle instead.

You can use a water filter jug like this one to improve the quality of your tap water and then refill the same water bottle or cup all summer long.

Here is the cup that I’m using right now and I LOVE it!

Sign up here and get access to the money saving freebie library!

SAVE MONEY THIS SUMMER

You can have a fun and inexpensive summer with these 12 simple tips. Keep your home cool for less by being intentional about air conditioning, keeping your oven off, using your grill, and drying your clothes outdoors.

Have fun for less by freezing your cable costs, finding free entertainment where you can, and enjoying a family staycation. Then take it up a notch by saving money on food, reusing your water bottle, skipping the car when you can, and enjoying outdoor fun in your own backyard.

Challenge yourself to see how much money you can save this summer!

Related Posts about Saving Money in the Summer: 

What are you doing to save money this summer? Let me know in the comments!

 

 

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Planning for the Unexpected at Work, in Marriage, and in Life

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It’s impossible to predict your financial future, so it’s important to protect yourself from unexpected events including job loss, illness and injury, and even death. These circumstances and more can completely change your financial situation in a single day, especially if you haven’t prepared a safety net.

The actions you take today can help you gain a more secure financial position in the future. These are some of the most effective ways of planning for the unexpected and ensuring that you and your family can recover from a worst-case financial scenario.

Planning for the Unexpected at Work

Planning for the Unexpected at Work

Losing your job can be a major financial burden, especially if you don’t have savings to draw on until you’re back on your feet. Here are some tips on how to protect yourself from job loss.

Create an Emergency Fund

Contributing toward an emergency fund is a great first step toward financial security, and even a small percentage of your paycheck can make a big difference. Regardless of your current financial situation, you should always have an emergency fund to cover any unexpected expenses.

Building an emergency fund can take months or even years, but today is always the best time to start. It might be tough to budget some of your paycheck for savings each month, but this will become easier as you develop better spending and saving habits.

This must be a top priority.

If you’re having trouble keeping yourself disciplined, make an emergency fund your top financial priority. Set an amount to contribute out of each paycheck and make that the first thing you do before you start spending money on anything else.

On the other hand, you might need to focus on paying off debts or working on other financial obligations before you can start putting more money into your emergency fund. Whatever you can contribute this month will make a real difference, even if it takes time to get to the number you want.

Have at least 3 months’ worth of expenses.

Depending on how much cash you’re able to move into your emergency fund, it could take you anywhere from a few months to over a year to feel comfortable. In general, three months’ worth of expenses is a good goal, giving you the money you need to live comfortably between jobs or cover any other unexpected bills.

Once you have expenses for three months in a saving account, you can start prioritizing other goals without risking your security. That said, you should continue contributing to the fund whenever possible—three months is a good starting point, but life doesn’t always revolve around your financial planning.

Don’t feel discouraged if you aren’t able to reach your target as quickly as you hoped—we all have financial ups and downs, and it’s important to stay committed to your goals even when things aren’t going perfectly.

Make a Budget

It’s easy to start budgeting once you’re working toward an emergency fund, and keeping track of your expenses will help you identify and correct problematic spending habits. You’ll also be able to calculate how much you spend each month in order to determine the number to target for your emergency fund.

Use technology.

While there’s nothing wrong with budgeting by hand, there are also a number of helpful mobile applications that facilitate the process and help you reach your financial goals.

Apps like Mint connect directly to your bank account to automatically import and categorize transactions.

As you work on your new budget, include the amount you want to set aside for your emergency fund each month. If you want to build $6,000 in savings over the next year, for example, take $500 out of your income each month, then budget your other expenses with the rest.

Balance is key.

It may take some time to strike a balance between saving for your emergency fund and living comfortably, so don’t worry if you don’t get it right in the first month or two.

It’s important to be flexible with your savings goals and adapt your approach if things aren’t going as you planned.

Less than one-third of the US keeps a budget, and simply being more aware of where your money goes each month will go a long way toward saving more for your emergency fund.

Planning for the Unexpected in Marriage

Planning for the Unexpected in Marriage
While we all hope that our marriage will last a lifetime, the reality is that half of all marriages end in divorce, and there’s no way to predict your relationship trajectory in advance.

Divorce can be an incredibly difficult time both financially and emotionally, but you can protect yourself and your assets by planning ahead.

Enter a Prenuptial Agreement

Prenups are often a controversial topic, but they make things easier for both sides and usually make the divorce process less messy. Couples are more likely to fight over money and assets without a prenuptial agreement, so it’s easy to see why they’re becoming more popular.

You might think of prenups as something for only the extremely wealthy, but they provide important protections regardless of your financial situation. If your partner has significant debts, for example, a prenuptial agreement can ensure that you aren’t left responsible for them after a divorce.

Similarly, prenups can protect any assets you bring into the marriage from being divided during the divorce process. What exactly should go in your prenuptial agreement depends on your individual and shared financial goals, so it’s a good opportunity to communicate about anything important before you get married.

Prenuptial agreements can be voided if they’re found to be unfair, especially if they were brought up just before the wedding date. It’s important to talk openly to your fiancé(e) well in advance of the wedding to give the two of you time to work on an agreement that you’re both happy with.

Maintain Separate Finances

You’ll probably have at least some joint accounts during marriage, but that doesn’t mean you can’t also keep your own accounts and credit cards. Having your own savings will go a long way toward living more comfortably through the divorce process, when most of your joint money will be tied up.

Separate accounts are also easier to keep after a divorce, whereas you risk losing some of whatever you’ve contributed to joint accounts. Keeping your own accounts simplifies the process and ensures that the money remains your own.

Freeze Joint Accounts

You might not need to freeze your accounts if you’re going through a relatively amicable divorce, but the last thing you want is for your partner to withdraw the money before you even get to arbitration. Freezing joint accounts protects your money and forces both sides to wait for a legally binding decision.

Of course, you probably won’t be able to freeze these accounts if you don’t have your own savings and cards to fall back on. That’s why it’s so important to keep separate accounts throughout the marriage rather than being dependent on joint assets in the event of a divorce.

Avoid Unnecessary Expenses

It’s generally best to put as much as you can toward loans and other debts, but you should pay as little as possible on joint debts until the divorce is finalized. If there’s a chance that you might not be found responsible, there’s no reason to make more than the minimum payment.

Similarly, you should stop investing in anything that might end up going to your spouse. Cancel any home improvement projects, get your own cell phone plan, and take your partner off your car insurance.

Planning for the Unexpected in Life

Planning for the Unexpected in Life

Beyond job loss and divorce, there are a wide range of other circumstances that can affect your finances and those of people close to you.

Illness, injury, and disability can substantially change your earning potential or force you to take extended time off of work.

Your death can also put your family in a very difficult financial situation, especially if you don’t prepare for these events in advance.

Life Insurance

Like an emergency fund, your life insurance policy is an inexpensive way to give you and your family financial protection no matter what happens.

Life insurance isn’t something many of us think about when we’re young and healthy, but coverage often grows as you stay on the same plan, and there’s no way to predict when the unexpected will happen. It can be more difficult to acquire coverage when you’re older or have health problems, so it’s always best to look for life insurance before you need it.

In addition to providing a safety net for your family after your death, many life insurance policies pay for common costs like funeral and medical expenses that aren’t covered by other insurance. Life insurance is the best way to protect your family in a worst-case scenario.

Bestow.

Term vs. Permanent Life Insurance

Life insurance comes in two general categories: term and permanent. Term life insurance provides protection for the length of the term, after which you’ll need to renew your coverage, move to a permanent plan, or stop being insured.

You’ll hopefully never need to use your term life insurance coverage, but the protection it provides is extremely important. Costs related to death can be extremely high, not to mention the difficulties your family will experience living without your income.

Permanent life insurance covers you for your entire life but is usually more expensive. It also allows you to grow your coverage as you make contributions over time, while term life insurance plans provide a fixed amount for the duration of the policy.

Term life insurance is in general much less expensive than permanent life insurance. You are only paying for the death benefit with term life insurance and the policy is good for only the specified period of time. Permanent life insurance is generally more expensive as coverage remains throughout the life of the insured and there is potential for cash value build up and additional benefits during the life of the insured.

Bestow

Getting Life Insurance

In the old days, getting life insurance meant spending a lot of time filling out forms and perhaps even seeing a doctor for a medical exam. (Even now, people can still opt for this process if they have special needs.)

Today we have companies that leverage technology to make sure that the process of obtaining life insurance is as easy as possible.

And one of the best companies doing this today is Bestow.

If term life insurance is what’s best for you, Bestow offers a two-year plan that’s intended as a stopgap along with ten- and twenty-year term plans to give you long-term coverage in case of unexpected death.

Bestow makes getting insurance easier than ever, allowing you to apply by simply answering a few questions and selecting the plan that’s right for you. You’ll be able to find coverage in just a few minutes without the medical exam or other inconveniences that may be involved with other life insurance providers.

Bestow offers affordable coverage options that should fit into any budget, making life insurance an easy decision for anyone with family dependent on their finances. Like an emergency fund, your life insurance policy is a cheap way to give you and your family financial security no matter what happens.

Bestow

Disability Insurance

Life insurance protects your family in the event of your death, but it won’t cover anything if you’re injured or otherwise disabled in a way that prevents you from working. Disability insurance is a critical form of protection for both you and your loved ones, especially if you work in a field with a high risk of injury.

Some businesses provide disability insurance to their employees, so you should ask someone in your HR department if you’re not sure about your company’s policy. Even if you do have some coverage, there’s a good chance that it won’t be enough to support you and your family in the event of a long-term injury or illness.

Like life insurance, disability insurance isn’t something we usually think about before it’s too late. You might think that disability isn’t a major risk, but one-third of us will be disabled for at least 90 days at some point in our career. Without disability insurance, you won’t be able to replace that lost income.

You should be able to find disability insurance that covers around 50 to 70 percent of your current income depending on your financial needs. With both disability and life insurance protection, you won’t have to worry about any unexpected circumstances threatening you or your family’s financial future.

We hope that you’ll never need any of the tips on this list, but it’s much better to be safe than sorry when it comes to your financial security. These ideas will help you prepare for whatever happens and make sure you have the money you need to get through any financial challenges.


Disclosure: This post was made in paid partnership with Bestow. Neither Bestow nor North American Company for Life and Health Insurance were involved in the preparation of the information in this article. The opinions and ideas expressed in the article are those of the author(s) and are not promoted or endorsed by Bestow or North American. You should always seek professional advice before making a financial decision. Money Done Right will not be compensated for life insurance purchases but may receive affiliate fees.

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5 Things you can do to Save Money in March

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Happy March, friends! I love March. We’re starting to get the feeling spring is right around the corner. Also, March is my birthday month! I believe in celebrating for the whole month – which does not have to equal spending money. March is also a great month for saving money! In this post I’m going to tell you 5 things you can do to save money in March.5 Things you can do to Save Money in March - These frugal living tips for saving money during the month of March are sure to help you stick to your budget and get ahead this month!

5 Things you can do to Save Money in March

If your New Year’s resolution (or goal for the year) was to save more money and you’re not doing so hot with it so far, March is a great time to turn that around!

These 5 ideas for saving money in March a great place to get started.

You can pick one idea from the list, or try all 5!

1. Spending Freeze

There are no big holidays this month. (Of course, St. Patrick’s Day is always fun, but you don’t really need to buy anything for that.) So, it’s the perfect month to try a spending freeze!

If you’re not familiar with the idea of a spending freeze, it is basically a spending freeze is a period of time in which you’re not spending any money at all.

This no-spend challenge is a great way to save money quickly to help you get ahead, pay off debt, or save for a specific goal.

If you haven’t tried a spending freeze before, March is the month to do it!

And if you have tried it and didn’t love it, switch it up! Spending freezes are so flexible, you can really make them work for you.

Grab your FREE Saving Schedule here

2. Prep for the Spring

Plan ahead for a frugal season.

Take a few minutes, sit down with a cup of tea (or a glass of vino – no judgement!), and a notebook.

Actually write down what you want to focus on over the next few months and specifically in March.

What will make the biggest difference for you and your family?

Do you need to set and stick to grocery budget so you stop wasting all your money on food? Learn how to do that here.

Maybe you’re spending all your money on entertaining your family. Spend some time mapping out FREE entertainment and free up those dollars for another purpose.

Whatever your specific issue is, decide to be intentional about it this month.

3. Get your Tax Refund

Do you think you’ll have money coming back to you this year?

If so, don’t wait for the last minute. Get started on it now!

For simple refunds, you can probably do it yourself using simple online software like Turbo Tax.

Of course, if you don’t feel comfortable with that, consult a professional.

My husband and I generally have a professional accountant do our taxes.

But my mother has a very simple tax return and every year I help her to file it using Turbo Tax online and it’s super easy and affordable (sometimes even free).

If you think you’ll have to owe money this year, just go ahead and put it off until April. (just kidding!)

5 Simple Ways to Save Money in March - Here are 5 easy ideas for things you can do to save big this month! These frugal living tips will help you find a quick financial win this month.

4. Sell something

While you’re spring cleaning and going through all that stuff you haven’t used in months (or years) put aside some things to sell.

What can you sell?

Almost anything of value.

Old GPS? Sell it.

Old designer shoes/outfit/handbag? Sell it.

Old calculator from high school? SELL IT!

You’ll be surprised at how much someone else is willing to pay for your old junk.

Where do you sell it?

Facebook Marketplace, Poshmark, Amazon (yes, you can sell stuff on Amazon!). And of course, eBay is still a thing, too.

Whatever it is, wherever you sell it, it’ll be so much better as money in your pocket than taking up space in your home.

Sign up here and get access to the money saving freebie library!

5. Turn down your heat

Warmer weather is on it’s way! It’s time to let that sunshine in and turn down that thermostat.

Dropping your heat by even one degree will have a huge impact on your heating costs!

Put a sweater and a pair of cozy sock and bundle up under a blanket.

Get ready for longer, warmer days coming soon!

Spring officially starts on March 21st! And Daylight Savings is on March 10th, so set a reminder and get ready to Spring ahead.

Here are more tips for saving money on home heating costs.

Start Saving!

Try these 5 things you can do to save money this March. Set yourself up for a smooth month of March and a stress-free financial season ahead by taking some time to plan for savings. Try a spending freeze. Get your tax refund. Sell your old stuff and make some cash. And turn down your heat. These 5 simple steps will leave you in a better place at the end of the month.

Psst… Do you want more money saving tips and insights that I just don’t share anywhere else? Hop on my email list here and let me help you refocus and work towards you goals each week. 


Want more? Here are some of my best posts:

7 Frugal Habits that will Save you Thousands

3 Tips to cut your Electric Bill in Half

5 Easy ways Moms can get Free Baby Stuff

How to Set and Stick to a Grocery Budget

 

The post 5 Things you can do to Save Money in March appeared first on Happy Humble Home.

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How to Organize your Finances

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If you’re not where you want to be financially or if you’re feeling frustrated, overwhelmed, or confused about how to manage your money, there is likely one thing holding you back: organization. Organizing your financial impact can have a huge impact on everything your money touches. It will save you time, frustration and money! In this post I’m going to organize  your  finances. How to Organize your Finances

HOW TO ORGANIZE YOUR FINANCES

Organization is vital to your financial success. It’s actually the one thing that will have the biggest impact on correcting your financial mistakes and setting yourself up for a successful future.

If your finances are kind of messy right now, cleaning them up can sound like a really hard, scary thing.

I get it.

I used to be a complete financial mess.

Actually, mess is probably too gentle a word. Disaster is more like it.

I was spending way more money than I made, mostly on stuff I didn’t know that I didn’t need. I was completely irresponsible when it came to things that weren’t fun, like paying my bills on time. And I was too terrified of my debt to even think about it.

I thought my problem was that I didn’t make enough money.

I was wrong.

My real problem was that I wasn’t looking at the big picture. In fact, looking at the big picture wasn’t even an option because my finances were so unorganized I didn’t have a big picture to look at.

It was when I finally got myself organized that everything changed for me.

And you know what? A few years later, I’m pretty darn good with my money. I have things like a savings account, a retirement plan, and I have destroyed $80,000 worth of debt.

You know what else? It wasn’t painful. In fact, once I adjusted to a different way of doing things, I kind of liked it.

So, if looking at those numbers and getting your finances organized is something that scares your pants off, I totally get it.

But truthfully, it’s not as hard as you think it will be. And the benefits are totally worth it!

Enough about me… Here is how organizing your finances can help YOU

Organizing your finances will allow you to reach your full potential. And on the flip side, being unorganized will block you from having all the information so you won’t even be able to know what your full potential is!

Free Expense Cutting Workbook

Organization will help you reach your financial goals

It will be harder to set goals and when you do they’ll be more like vague things you want in the future instead of clear, pinpointed goals based on actual information.

Knowing exactly where you stand financially and exactly where you’re headed will make it easy to set goals in stages that lead you to reaching your big goals over time.

Here’s the thing…

When your finances are unorganized, you might not even know that your missing out on ways that could be doing better. You might think you’re doing just fine.

But organizing your finances will show you your weak spots and where you need to focus.

In taking the time to get organized, you will probably find that with a few tweaks you could be doing WAY better at managing your money.

HOW DO YOU ORGANIZE YOUR FINANCES?

It is so much simpler than it sounds! 

There are 3 simple steps that will lead your toward organized finances.

LOOK AT THE BIG PICTURE

First, you need to take a step back from the day-to-day and look at the big picture of your finances.  How much money do you have? How much do you owe? What is your net worth?

If you’re afraid to crunch these numbers because you don’t want to see the big picture of the financial mess you made, I get it.

I felt the exact same way.

But you’ve got to do this step if you ever want to fix it. And you’ll probably be surprised to find out that it’s not actually as bad as you think.

MAKE A MONTHLY BUDGET

This is so important. You cannot just make one budget and use it again month after month. Income fluctuates. Expenses fluctuate.

A budget that is specific to the month ahead is essential.

Determine how much money is going to come in that month.

Then allocate each of those dollars to a certain purpose. Pay your essential bills and then filter the rest toward debt or some form of savings.

MAKE A FINANCIAL IMPROVEMENT PLAN

Now it’s time to make some important decisions:

How are you going to save?

How are you going to cut back?

Where do you want to be this time next year?

What about in 5 years?

Ask yourself the hard questions. It will be worth it in the long run.

And unfortunately, it’s not a one time thing. Instead, it’s something that you have to work on continually.

I can tell you though that this process is hardest in the beginning and it gets much easier with time.

I’M HERE TO HELP YOU

If you’re feeling overwhelmed at the prospect of organizing your finances, or even if you just want a little help along the way, I strongly encourage you to take advantage of my FREE Fix Your Finances Mini Course.

This 5-Day Mini Course is a game changer and will walk you through:

  • Setting strong financial goals that you can actually reach
  • Building your monthly budget and making it a habit
  • Lowering your everyday costs
  • Paying off debt quickly and strategically
  • Making lasting financial change

I broke each element down into very bite sized pieces for you in hopes that it will make it so much easier for you to tackle.

You can do this, friend!

SIGN UP FOR THE FREE FIX YOUR FINANCES MINI COURSE HERE

ORGANIZE YOUR FINANCES RIGHT NOW

It’s time to improve your financial life and organize your finances. You can do this! Start by looking at the big picture, craft a monthly budget, and make a financial improvement plan. Then, take advantage of my free mini course to help you make this journey easier.

Psst… Want to save even more? Hop on my email list here. It’s my favorite place to give you money saving tips and insights that I just don’t share anywhere else. Plus you’ll get lots of free financial tools just for signing up.


Don’t click away so soon! Keep reading and stay awhile!  Here are some of my best posts:

7 Frugal Habits that will Save you Thousands

3 Tips to cut your Electric Bill in Half

The Beginner’s Guide to being Frugal

39 Surefire Strategies to cut your Expenses Fast

 

The post How to Organize your Finances appeared first on Happy Humble Home.

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College Packing List for International Students`

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Getting ready to pack for your college adventure abroad but not sure what to bring and what to buy on-site? Well here is my college packing list for international students! Being an international college student myself, I’m from Switzerland and I study in the US, I was wondering what I should bring from home and…

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