Every Monday in 2015, I’ll be sharing a different idea to help you save money! Add all of these tips to your frugal repertoire and you’ll be able to save a lot of money this year! I hope you’ll gather a few new ideas or at least some inspiration from this series.
One way to save money is by earning a little extra money! One of my favourite ways to earn a little extra happens to be selling my unwanted clothing. While I’m not a big name brand shopper, I often have clothes that are in great condition that sell well in consignment shops. You’ve probably seen me write about the powers of selling used stuff in local Facebook Buy & Sell groups, but for what ever the reason, I don’t have much success selling clothing on these sites. So consignment is my go-to for selling unwanted clothes.
Here are my tips to help you get the most money out of the items you bring to consignment:
Make sure your items are clean
Give your gently-worn clothes a wash to freshen them up and to get any stains out, you’ll have more luck selling items that are in great shape.
Make sure your items are ironed
Going along with my previous point, having clothes that are newly ironed will help your items sell for top dollar.
Make sure your items are current/in style
You will have the best luck selling more “current” clothing; nobody wants to wear your grandmother’s polyester pants!
Don’t hold on to something you know you won’t wear
The longer you hold on to an item you know you won’t wear, the less it will be worth when you decide to finally clear your closet.
Brand names sell well
There are many many people out there that want the brand name clothing at a fraction of the cost. Consignment stores are a great place to bring your brand name clothing to get a bit of return on your investment!
On the opposite side of things, consignment stores are also a great place to find a deal on clothing you may need yourself! This week’s 52 Ways to Save post will have you earning and saving! 😉
Do you have any tips for selling your clothing in consignment stores? Have you ever snagged a brag worthy deal?
Does it seem as though you can’t get control of your finances, no matter how hard you try? You might be making some common money mistakes and not even realizing it. These mistakes can be costly, and can rob you of your hard earned money. Take a look below at 5 money mistakes you might be making and see how easy it can be to prevent them from happening.
Are you making these money mistakes?
1. Using ATMs not associated with your bank.
If you are using an ATM that does not belong to your own bank, you are most likely paying a fee on your withdrawal. The fee can come at you from both ends, both your bank and the bank you are visiting. Suppose you pay $4 in fees per transaction, and do this 5 times a month. That is $20 a month or $240 a year! Instead, only use ATM’s that belongs to your bank or credit union. This way, you aren’t being slapped with transaction fees.
2. Not investing in your savings account.
Each week, you should be making a contribution to your savings account. This should be money that is skimmed from your weekly paycheck before it is touched for anything else. Even on a tight budget, try to place 10% of what you make in a savings account with a decent interest rate. This way, you are building an emergency fund while making a little money on it at the same time.
3. Not reading your monthly statements.
You need to be sure you are opening and reading your monthly bank statements. This is a great way to check for errors as well as balance your account. Properly balancing your account helps you avoid overdrawing it and facing penalty fees. Open your statement each month so you are well informed of changes happening in your account.
4. Not tracking your spending.
It is wise to track your spending for a week to 10 days every few months. This way you can see where your money is going and make changes if necessary. During the tracking period write down every cent you spend then evaluate where your money is going at the conclusion. Make cuts and changes where necessary.
5. Not paying cash.
Do you find yourself charging purchases out of convenience? This convenience could be costing you! Interest rates as well as missed payments can really raise your bill in no time. Instead, work on a cash system for paying for purchases. (These printable cash envelopes are great for organizing your cash system!) You will avoid interest rates and monthly payments all together.
Are you making any of these money mistakes? If so, stop! By making some simple changes you can get your finances under control and looking healthier. Give these tips a try!
Every Monday in 2015, I’ll be sharing a different idea to help you save money! Add all of these tips to your frugal repertoire and you’ll be able to save a lot of money this year! I hope you’ll gather a few new ideas or at least some inspiration from this series.
9 Tips for Gardening on a Budget
Are you ready to “get growing?” The arrival of spring has many ready to get outdoors and start planting their gardens, but what if you are working on a limited budget? Well the good news is, gardening doesn’t have to be expensive, and in fact it can be a great way to save yourself some cash in the long run. If you are considering planting a garden this season and want to do so for less, take a look at these 9 tips for gardening on a budget. You will be amazed at how easy it can be to “get growing” for less!
1. Start your seeds indoors.
Sure you can buy seedlings, but starting your own seeds indoors is cheaper! A seedling cost at least $1-$5, while you can get an entire pack of seeds for $1 or less. So start your seeds indoors using seed starters and some basic soil, and you can have your own seedlings in no time. (Read this how-to post for details on how to start your seeds indoors!)
2. Check out your local dollar store.
Dollar stores have a great selection of gardening gear for just $1 each. Choose from seeds, flower pots, gardening gloves, fertilizer spikes, watering cans, starter trays, and more! It is a great way to build your gardening stash for less.
3. Use natural fertilizers.
Instead of buying plant food and fertilizers, try making your own! Crushed egg shells and coffee grounds make excellent plant food. You can also use fruit peels to help nourish the soil and keep your plants healthy.
4. Practice chemical free pest repellent.
Again, you can buy your own pest repellent, but why not make your own for less? A simple spray bottle of water and a few drops of Dawn Dish Soap can help keep many pests at bay! This is a great way to save cash and omit chemicals in your garden.
5. Start a rain barrel.
Instead of spending money on watering your garden, catch rainwater instead. A rain barrel is the perfect trick for catching rain perfect for watering your garden with. Even a small barrel or bucket can give you enough water to keep a small garden satisfied.
6. Make your own garden markers.
You can make garden markers out of all kinds of household materials. Try making some from wood craft sticks and markers to get started. This is a great way to keep your garden organized for less.
7. Team up with friends.
Team up with friends and neighbors to borrow each other’s gardening tools and equipment. You can even share seedlings and thinned out plants you no longer need. This is a great way to get the items you need for cheap or even free.
8. Use a small space.
Rather than tilling up a large piece of land for a garden, try out small space gardening! Living in a townhouse, we actually don’t have the land for a big garden so I put container gardening to use. Sometimes that might even feel overwhelming. If so, try growing just a few herbs that you often buy from the grocery store. Or grow a lasagna garden so you have all the ingredients for a delicious marinara sauce on hand. Here are a few more ways to grow a garden in a small space.
9. Look into community gardening.
Community gardening could be a great option for those of you that want a big garden but don’t have the space or want the time commitment. Do a little research about the community garden options in your city to see if this might be a good fit for you.
Gardening is a great way to grow your own food and save some cash. Give these tips for gardening on a budget a try and see how easy it can be to grow for less.
The trick to getting ahead financially is to live on less than what you make. If you can create a lifestyle that costs less than your weekly paycheck, you will find it is easier to save money and live a healthy financial life. Living on less than what you make doesn’t have to be tricky; it just takes a little work. Take a peek below for some helpful tips on how to live on less than you make.
How to Live on Less Than You Make
1. Be honest about your earnings.
The first thing to do is look at how much you bring home each week. Taking a hard and honest look at these numbers lets you know what you are working with. Add these numbers up to see how much you bring home each week, each month, and each year.
2. Set a budget based on a fraction of your earnings.
When creating a budget, the idea isn’t to spend every penny you make. In order to spend less than what you make, create a budget based on ¾ of your earnings. Or, even half if you think you can manage it. Set budgets for all areas of spending including: housing, utilities, food, and miscellaneous.
3. Track your spending.
In order to stay within your budget, be sure to track your spending. This will help you keep an eye on your money and be sure you don't overspend. Anytime you spend money, be sure to write it down in a notebook or ledger.
4. Learn needs from wants.
Many times it is not being able to decipher needs from wants that keep us broke. Any time you are tempted to make a purchase, ask yourself if it is a need or want. Needs should always take priority and wants should be few and far between. Set aside some savings for wants so that in time, the want can become a reality.
5. Re-evaluate your lifestyle.
Sometimes, you just need to ask yourself if your lifestyle matches your income. This can be a hard question to ask but it is necessary. If you love manicures, eating out, concerts, expensive cars, and new clothing, yet you make $15 an hour, it's time to reconsider your spending habits. Think about how many hours you would have to work for that dinner out or new shirt. Is it worth it? While you don’t need to live like a miser on $15 an hour, you do need to make smart decisions to get ahead!
Learning to live on less than you make can offer you some real financial freedom. Give these tips a try and get on the path to financial freedom yourself!
What's the hardest part of living on less than you make? How do you make it work?
Now is the time to grab that winter coat you’ve had your eye on for next winter! You should find winter outerwear to be drastically reduced.
Winter Sports Equipment
In March, stores will have deep discounts on skis, snowboards, snowshoes and sleds. While you may have to put them away as soon as you buy them, March is the best time to buy these items.
Luggage
March is a great time time to buy travel gear like suitcases! Since winter travel is ending and summer travel has yet to start, luggage tends to go on sale during the month of March. Get your suitcases now for your summer vacation. (Or if you have March break travel plans!)
St. Patrick’s Day Stuff
Starting the day after St. Partick’s day, you’ll find at the fun St. Patrick’s day items on clearance. Stock up for next year so you’re prepared.
Cleaning Supplies
Spring cleaning is around the corner so retailers are starting to put their cleaning supplies on sale. Don’t forget to use your coupons for extra savings! Need a spring cleaning checklist? Here you go.
Frozen food
March is National Frozen Food month. Most frozen foods will be on sale during March. Be sure to use those coupons! This is a great time to stock up on frozen vegetables so you can eat nutritious food all year long.
Every Monday in 2015, I’ll be sharing a different idea to help you save money! Add all of these tips to your frugal repertoire and you’ll be able to save a lot of money this year! I hope you’ll gather a few new ideas or at least some inspiration from this series.
One of the ways we like to save money at home is by doing at-home hair cuts for my husband. (I’m not willing to let him have a go at my hair quite yet :)) While I’m not an expert in the least, no one has ever said anything bad about his hair! After all, I simply cut his hair the same length all over, then trim his neck with the trimmer and around his ears with a pair of scissors. Simple! I estimate were saving at least $20 every 6 weeks or so.
I think it also helps that we have a decent hair trimmer to work with! We have the Wahl 3231 22 Piece Home Pro Haircutting Kit which we purchased after reading the reviews on Amazon. So yeah, if it weren’t for this great $18 tool, we’d be spending a lot more on haircuts throughout the year!
While I’m not quite brave enough to cut my own hair at home, I have cut my own bangs. I’ve also trimmed my daughter’s bangs. (Which I’ve now decided to grow out.) Here are a couple of tutorials I found that may me useful for you:
