Creative Ways to Save Money

A healthy financial education will teach you how to start saving money from the earliest stages of your life so you can easily deal with significant changes later on. Whether you want to buy a house, a new car or simply indulge in some luxury products, putting a little aside each month will help you reach your goal without credits, debts, and annual interest rates.

Here are the easiest and most creative ways to save money even when you have limited resources.

 

Start decluttering your house

Whether you’re a hoarder or not, cleaning out your closet and your entire house once in a while is a good exercise for both the body and the mind. Just look around at all the junk you have gathered in the past years – do you need all that? No matter if you have a passion for makeup, jewelry, shoes, clothes, or tech gizmos, it’s high time you started a yard sale.

Adopt a minimalist lifestyle

A minimalist lifestyle implies getting rid of all the unnecessary things in your house and keeping only the essentials. Building up a minimalist wardrobe will help you save both time and money by not thinking what to wear daily.

According to recent studies, many CEOs, important businesspeople or personalities such as Mark Zuckerberg, Mahatma Gandhi or Steve Jobs adopted this lifestyle where they enjoyed/still enjoy a frugal lifestyle based rather on experiences than possessions.

 

Buy in bulk

Another tip to help you save money in the long term is to buy in bulk the products you regularly use. This mainly applies to toiletries, some generic cosmetics, and food supplies that you are sure to consume such as deodorant, shampoo, toothpaste, rice or meat. However, stay away from products you only consume once in a while, even though they are on sale. Most of the times you will end up throwing them away and spending more money than intended.

You should also avoid buying perishables such as milk, yogurt, fruits, veggies or bread unless you are planning a party soon. Keep in mind that most of these foods won’t last more than a few days even when they are correctly stored in dry and cool places.

Stick to the 50-30-20 rule

The 50-30-20 rule implies diving your monthly incomes in three parts – 50% you use to pay taxes, rent, interests, and installments, 30% on food, supplies, clothes, monthly subscriptions hobbies, and shopping, and the rest of 20% you save. It’s always better to put some money aside in a trust fund or a second bank account that you can later use on what you desire the most.

How to Keep in Touch with Your Family Through the Years

Moving out and starting your own life is an adventure that is filled with ups and downs. However, while being caught up with your new life and responsibilities, there is a chance that you will stop keeping in touch with your loved ones. To help you avoid this problem, we have created a list with suggestions that you might want to try out.

 

Use social media and apps

A great way to stay in touch with your family is by using social media. By utilizing apps like Facebook or Snapchat, you can always access their profiles and see what they’ve been up to. Plus, this way you will be able to send them direct messages more often.

Some social media apps also feature an option that enables you to video call them whenever you have the time. This way, you will also have the opportunity to chat face to face.

If you want to make sure that all your family members are up to date with the latest plans, you can also use Cozi or OurHome, as these apps are said to bring people together in a fun and entertaining way.

 

Set regular get-togethers

Another fun idea that you might want to try is to establish a weekly or monthly dinner with your family, as dinners are a great opportunity to come together and to share updates about your day to day lives.

To mix things up, you can meet at another member’s home each time. Also, you can delegate certain tasks to each member of the family. For instance, one could prepare the main course, while another could be in charge of the dessert. If you don’t live close together, you could throw a family reunion at least once a year.

Keep in touch often

Older adults can feel ignored if you don’t make an effort to hear from them regularly. To avoid this, you should try to contact them via phone whenever you have the time. If your parents or grandparents are not too fond of using technology, you could purchase a cordless phone for seniors for them. This way, they won’t miss any of your calls.

Furthermore, you could drop in whenever you are in their area, as this will help them understand that they are on your mind. When possible, you can also invite them to your kids’ extra classes and recitals, as this will give them the possibility to spend time with their grandchildren.

Another idea that you might want to try is to do tasks together. For instance, now and then you could go grocery shopping with them, or you could help them with small chores around the house.

No matter which idea you decide to put in practice, remember that it is essential that you make your family, and especially the seniors in your life, feel included and loved.

3 compact workshop tools to consider when you have limited space

 

While you can easily start doing DIY and woodworking projects with a drill press and table saw in your workshop, you can still do a lot with a few compact tools to start with. These three compact tools will enable you to have some money left over for materials while requiring little closet space.

 

 

Cutting tools

Able to execute plenty of cutting tasks like its larger counterparts, a cordless circular saw works a lot like a standard circular saw or a table saw. It may not establish plenty of speed records but a cordless circular saw is still capable of cutting to a one-inch depth. The tilting base enables you to do beveled cutting up to 45 degrees.

Go for a model designed to handle pegboards, medium-density fibreboards (MDF), plywood, melamine, particle boards, and drywall. This type of instrument can also trim to all sizes. This is the kind of tool that costs a little over $100 but offers plenty of utility value in one easy-to-use compact machine.

For cutting curves, do-it-yourselfers of various skill levels will appreciate the functionality of a jigsaw, which can replace a scroll saw or bandsaw.

 

Hole drilling

A drill is indispensable in any workshop and a hammer drill is always a sensible investment. It may not easily replace the best drill press but this kind of tool comes with the extra heft needed to keep your hand from shaking when cutting straight holes.

A hammer drill also doubles as a driver for securing fasteners or for masonry tasks.

Multi-function tools

Multi-tools, otherwise known as oscillating tools, offer a remarkable versatility for sanding, cutting, scraping, and grinding applications. You can even swap accessories instantly depending on what you want to do with the machine.

If you have to perform plunge cuts or need a tool to work as well as any orbital sander, this is the tool to grab a hold of. No drywall knife in the toolbox? Get an oscillating tool instead. Need an angle grinder in a pinch? Take that oscillating tool and finish the job.

Make sure to go for a lightweight tool that ships with a wide range of accessories for maximum versatility.

A rotary tool, like an oscillating tool, comes equipped with a host of accessories that increase its star power in any workshop. Precision is also beyond expectations. This type of tool answers the need to pay attention to detail when you have to cut, grind, and sand with unerring deftness. This type of compact tool is more than just a hobbyist device thanks to its tremendous versatility.

Some brands such as Dremel offer cordless rotary tools that are definite consumer favorites among all others on the market.

 

 

 

 

The worst workshop tools I’ve ever used

Ever since I’ve been a little kid I enjoyed working around the house and watching my dad fixing things. I grew up to become quite interested in running a household and, more specifically, comply with its constant demands.

Thanks to a set of skills I have acquired over the years, as well as to my handyman dad, I now manage to do most of the things around the house myself, without requiring the help of electricians or expensive contractors.

I know how to fix a tire, to change a lightbulb, to draw some holes into the ceiling in order to hang things, as well as how to mount a bookshelf.

But my wisdom didn’t come easy. Throughout my journey, I have stumbled across many tools that seemed to work great at the beginning only to learn they were a complete waste of time and money. In order to help you avoid these tricky situations, here are the top workshop tools you should avoid.

 

 

Anything that is cheap

If you walk into the 1 dollar shop and expect to walk out with qualitative items for your house, you are more than wrong. In fact, the only time I decided to give such tools a try was when I was looking for an affordable glue gun.

Although I only needed it to work one time, it was by far the worst investment I’ve ever done. The glue gun not only did not glue anything, but it started spreading glue in all the wrong places, making it impossible to fix anything with the slightest precision.

What I am trying to say is that when it comes to workshop tools, what you pay for is what you get. Cheap tools may do the trick once or twice, but don’t expect them to work forever or be of any help when it comes to finesse jobs or those that require precision.

Not even nails and pins can be trusted from this store as they will easily fall off the surface and break, leaving you with a nice hole in the wall and nothing else.

 

Anything bought from telemarketing

If you want to complicate your existence with a bunch of useless stuff around the house, try watching any telemarketing show for more than a few minutes. Apart from getting totally brainwashed, you will also end up with no money and tons of products you most definitely won’t use even once.

Telemarketing sellers have a way to determine you to yearn for things with questionable quality and exaggerated prices.

Machines that promise you to help you get rid of fat and build the abs instead of you? Just forget them and get a regular subscription to a gym, just like the rest of the mortals out here. Frying pans that promise you no cooking oil? Stick to a balanced diet instead.

It is the same with the toolboxes that are presented in these shows. Most of them come with numerous unnecessary tools that you might think you’ll receive for free.

5 things to make with PVC

PVC is an excellent option for any outdoorsman that likes to do things using the hands. Plus, it doesn’t require advanced skills and the results can be overwhelming. If you’ve never thought of using this type of material, now it’s the perfect time to start learning new tips and incorporate them into your house projects.

Fishing rod holders

Because fishing enthusiasts are ingenious at finding clever options when spending time and waiting to catch a fish, PVC is a great tool used to substitute for a rod holder. Even though you can spend large amounts of money for holders that keep the rod, you can use one piece of PVC pipe to build quite a few. This comes in handy especially in situations when you have multiple rods equipped with bait.

In order to make the holders, simply cut a PVC so that the one end forms an angle and the other one remains straight. Then, stick it into the ground and leave the rod there. You can relax and enjoy the beautiful surroundings.

 

Build a shoe rack

This is an interesting project because we all know how annoying it is to have your entire shoe collection spread at the door. Take some PVC pipes with a large diameter and cut them into equal pieces. Afterward, use a top-notch velcro to seal them together. In the end, you’ll get a great flexible rach where you can store your shoes or any other personal items such as gloves, umbrellas or scarves. Depending on the area that you have, you can make it smaller or up way to the ceiling.

Set up garden trellis

If you own a garden and you want to make sure that your plants are in order, you should set up a lightweight PVC trellis that is portable and can be easily maneuvered.

Just make sure to get a pair of flat PVC panels and connect them in an A-frame form with the help of zip ties. In order to encourage the plants to climb, add extra strings for vertical support. When the season ends, you can cut those zip ties and stack the panels in your garage or hand them outside on a wall.

 

Make a lamp

Instead of buying a new lamp for your living room you can always get a jigsaw and a lamp kit and assemble your own PVC DIY lamp. Make sure to saw the pipe into small 6-inch pieces and cut each pipe according to your own style and choice of length. Using a drill, make holes for a broader spectrum of light and get spray paint if you want to add color.

Waterproof storage

When going on a camping trip or for a hike, you need a waterproof container to store your belongings. Therefore, get a PVC tube and put your cell phone, wallet, car keys, and fishing license and attach a screw-on lid on the end to enable water from getting inside.