Finance · Product Comparision

Money Saving Monday: Protect your Investment, Buy Furniture Covers

sofa cover

This is season of more traffic to our homes than normal. Speaking as person with very light colored living room furniture, I am constantly inspecting it after people leave. Sometimes I quickly forget about the others options that I have to protect my furniture. Furniture covers!! That’s right people, furniture covers are not just for those times you want to switch up the living-room’s appearance. Furniture covers are great way to protect your living room furniture. Now I will admit a very nice pair of furniture covers can cost a pretty penny. I have to admit though, they are totally worth the money. Furniture covers are an investment that will protect your larger investment.

Think of it this way, some of us spend quite of bit of money purchasing phone cases like the oh so popular OtterBox covers for our phones in order to protect them, why not buy furniture covers to protect your living room furniture that you paid thousands of dollars to purchase? When it comes to our living room furniture sometimes we need a little extra piece of mind, especially when children are involved. The great thing about furniture covers is that they can be removed and machine washed. Continue reading “Money Saving Monday: Protect your Investment, Buy Furniture Covers”

Finance

Grasping the Reality of your finances

100 dollar bill editHaving a realistic scope of your finances is a healthy way to take a step toward a debt free life. Many years a ago, Donald Trump (before he was as successful as he is today) made the comparison between himself and a debt free homeless man. He said if he were to give the homeless man one dollar that the homeless man is technically richer than he was at the moment.  You may think that doesn’t make sense. Essentially a lot of us live a life that is in the negative when it comes to our finances. We buy our cars, homes, clothes, furniture, appliances and sometimes even our vacations on credit. And we are simply surviving by making minimum monthly payments laced with interest charges. Real money is the money that we actually have in our bank accounts that we earned. Imaginary money is our line of credit and our overdraft accounts. I have seen it time and time again in which the bank gives larger and larger overdraft limits and credit card companies increase card limits. When these increases occur, it does not mean that we now have more money. Remember that money is imaginary, again what we actually have is what is in our bank accounts (or in some old school cases, hidden in the mattress.) I am not saying that credit is a bad thing, however if we assess what we actually have, we can better access what we can afford to actually buy. We have often heard experienced financial analyst and economic geniuses like Suze Orman, tell us to live within our means. Today let’s take the time to determine what our means actually are rather than the imaginary money we believe them to be. Happy savings!!!

Finance · Fitness & Wellness · Food and drink

Say Goodbye to Smoothie King and Hello to Money Saved

Spinach SmoothieRight now we are in the part of the year where a lot of us begin to start working out in an attempt to achieve the oft sought after beach body. The reality of the matter is that good health is something we should prioritize all year long instead of right before the warmer seasons. It can be challenging to get started. A great way to start is to add some healthy options into your diet. Our energy levels are directly affected by the foods we eat. Dr. Don Colbert pointed out the necessity of eating living foods versus dead food to promote good health. Living foods would be things like fruits and vegetables while dead foods would be heavily processed items like potatoes chips and candy.

We all know that it is important to eat a variety of healthy foods in order to get the full spectrum of nutrition our beautiful bodies need. Sometimes with our busy schedules it can be very challenging to ensure we are eating a wide variety of healthy foods.

Ultimately, I would love to see each of you adopt a determined attitude to place your personal health at the top of your list. With great health it is easier to enjoy life, family friends, and having great health is a great money saver. One of the easiest way to get a wide variety of healthy foods into your diet is to blend them together into a smoothie. Smoothies can be very expensive when you purchase them from places like Jamba Juice and Smoothie King. However you guys know I am all for saving some money and streamlining our finances; so Jamba Juice and Smoothie King are out of the question!! The cost per week for smoothies from the aforementioned can quickly begin to add up. I’d rather see you better allocate your funds elsewhere. There are some great alternatives to purchasing smoothies. There are a lot of great blenders, food processors, and smoothie makers out there now that will allow you to make your smoothie at home for significantly less cost than going to Smoothie king. Continue reading “Say Goodbye to Smoothie King and Hello to Money Saved”

Finance

Paying it forward and Profiting

money finalYou may be wondering how paying it forward can save you money. You likely think I am about to go the direction of others that tell you by making a charitable donation you will be able to save some money come tax time. Although that holds true, paying it forward results in great karma. In case you are wondering who or what karma is, think of it as what goes around comes around. Paying it forward can make the difference in your outlook, a difference in outlook can make a change in your finances. Think about the last time you did a good deed, you likely felt great about doing so and hence radiated a great energy. Follow me for moment, when you have a positive energy, it is amazing the amount of awesome deals and opportunities that will come your way. I am not saying to pay it forward and do a good deed solely to profit, but its an added bonus. Pay it forward and profit.

Finance

Money Saving Monday: Selling Yourself

You may be wondering why this Money Saving Monday post is titled “Selling Yourself.” The skill of selling yourself can be a major money maker and saver. Speaking from first hand experience, colleges typically do no teach you how to sell yourself or how to market yourself. In school, we learn the skills needed in order to carry out our profession. However at no point does anyone tell you how to better market yourself and sell yourself (your persona) to someone else. Part of selling yourself is to make a great first impression. Regardless to what you may have on your resume, your resume is a piece of paper that everyone is not going to see. Besides, your resume is not needed when you are trying to make a deal, people are cutting you a deal based on the person that they are looking at right now.

When you first introduce yourself to anyone, you are making an impression whether good or bad.  We all will come across times where we will do interviews, need to bargain, become business owners, or seek out ambitious opportunities. All of the aforementioned  require some form of human interaction. Be aware that your impression is not limited to those aforementioned arenas, you may meet another parent, a salesperson, a repair person, etc.  The impression you make can make the difference between getting hired, making a deal, getting your child added to the car pool or the repair person cutting you deal because you are so personable. You selling yourself to make a great impression will determine whether you are remembered, immediately forgotten and/or deemed unappealing. Continue reading “Money Saving Monday: Selling Yourself”