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Your Guide To Budgeting When You Have Big Dreams

If you have big dreams, budgeting might not sound like something you’re really keen on doing. Of course you want to live a lovely, luxurious lifestyle, but without budgeting you’ll usually be unable to make it there. People with an unhealthy money mindset often end up spending with no thought to the future, only focusing on their short term satisfaction and enjoyment. This might not seem so bad when you’re young, but the earlier you start to get out of these habits and replace them with smarter habits, the more comfortable and financially stable you’ll be as you age. Here, we’re going to talk about how you should be budgeting if you have big dreams. Take a look and see what you can do today!

1. Figure Out What Matters Most To You

First of all, you need to figure out what matters most to you. If you’re not a millionaire you’re going to need to know what’s most important so you can allocate money to those things accordingly. For example, do you like to go on trips with your family? If you do, then you might want to cut back on things like meals out and other things that are a drain on your finances.

Write a list of your top priorities so you can continue living a life you enjoy while taking care of your finances.

2. Start Being Grateful For What You Have

Usually, the urge to spend comes from thinking that you haven’t got enough already. Whether it’s more clothes, a new gadget, or something else, really look at what you already have. You already have everything you need, and purchases like this will only bring short term happiness. When you can be content with what you have and where you are now, you’ll feel so much better.

3. Know How And When To Save Money

Knowing how and when to save money will help you to make smarter buying decisions. For example, if you’re looking at buying something, could you buy it second hand? Alternatively, is there a way you can save money, such as using a discount code or a cashback site? Don’t shop without doing your research or considering your other options! Sure, it’s nice to have new stuff, but it can be far more satisfying to find a bargain.

4. Have A Plan In Place For Emergencies

You never know what’s just around the corner, so having a plan in place for emergencies will protect you and give you peace of mind. You can look at credit cards for bad credit no deposit if you really need one, but you should only ever consider using it if you have a genuine emergency on your hands. You should do your best to save up an emergency fund so you don’t have to use credit. Consider every eventuality, including losing your job and taking a pay cut. Having at least 6 months of living expenses in the bank is usually a good idea.

5. Set Your Goals in Stone And Come Up With A Plan

Having financial goals will help you to come up with a plan and work towards your dreams. Set your goals in stone by taking the time to think about them and write them down. How much money do you want to have? What sort of lifestyle would you like to live? How do you think you will achieve this? Keep your goals somewhere you will see them every day so that they are fresh in your mind.

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6. Avoid Impulse Buying

Impulse spending, as we previously mentioned, is pretty bad for your budget. Even the small purchases can add up, such as that fancy coffee that you insist on having. Instead, why not make your own coffee and buy a reusable cup? This can help you to save a lot over the course of a week/month. Every small purchase adds up, so be mindful with your spending.

7. Invest In Things That Truly Enrich Your Life

Investing in things that will truly enrich your life is never a waste of money. For instance, investing in yourself could give you the confidence to start a side hustle and start making more money, or it could help you to land a better job. Investing in things you know you’ll enjoy at home for a long time to come can also be nice and improve your lifestyle, such as a barbecue to host garden gatherings with friends.

8. Reassess And Improve Your Money Mindset

You can attempt to make as many changes to do with your budget as you like, but if you’re not actually changing the way you think, it’s unlikely to do much for you. You need to reassess and improve your money mindset if things are truly going to get better. Here are some pointers:

  • How do you feel about money currently? How do you feel this is affecting your ability to earn and your want to spend?
  • How did your parents feel about money?
  • What limiting beliefs do you have surrounding money?

There are all kinds of free resources that can help you to improve your money mindset!

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9. Have Money Meetings

Having money meetings with your family, or even just with yourself. Take this time to look at your budget and assess recent spending, as well as making sure you’re on track for the goals you set earlier on. Don’t get complacent!

10. Speak To Somebody Who Can Advise You

If you don’t know where to start, get some help from somebody who can advise you. A financial advisor, an accountant, or even somebody you know who is good with money.

11. Find Ways To Start Building True Wealth

Building true wealth is the key to achieving your dreams in the long run. For example, making small investments now can really pay off later. Also, having multiple income streams is the smartest way to make cash, as eventually, you’ll run out of time to swap for money like in a regular 9-5 job!

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Rustic, Not Rusty: Modern Convenience For Rural Homes

Just because you live far away from the hustle and bustle of the city doesn’t mean that you have to be stuck in the past. The old-fashioned charm of a rural home is a huge part of its appeal for many people, but that charm comes with a few costs, too. Here, we’re going to look at how to keep the charm but do away with the inconvenience. We’ll look at a few upgrades that can make your home both look and feel a little more convenient, offering you all the comforts of modern living.

More than a lick of paint

If you simply don’t like the aged look of your home, then that could be one of the easiest issues of all to tackle. A change of style can really make your home a magical place. For instance, instead of warm, drab colors, you can make it feel much brighter while still highlighting the appeal of country style walls with a light color palette of cream and neutrals. If you don’t have a lot of space, then consider using unfussy furniture with neat lines and space-saving shapes so you don’t feel quite as closed in. Art is a great way to update the walls, too.

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Space it out

As mentioned, space can be a concern in country homes. You might not have as much floor on the room as you like, and the walls might be full of awkward angles that create darker spots that you’re not too fond of. Knocking down a wall can really air a room out, so that might be worth considering. Otherwise, however, trying look at ThisOldHouse.com for storage ideas that can help you save a lot of space without having to get rid of anything you need in the home. As for those small, awkwardly angled corners, you could make use of them by installing bespoke storage that takes advantage of the space rather than simply ignoring it.

Light it up

The architecture of older, rural homes tends to also be very closed in, which means that lighting can be an issue. However, one of the benefits of a rural home is that you’re going to get enough natural light to make anyone living in the city jealous. The key factor is finding how to let more of it in your home. You can opt for lighter window treatments and use décor like mirrors to help maximize the amount of light coming through your windows. However, it may be worth considering something like patio doors that can really blur the divide between the outdoors and indoors, bathing your home with a lot more light. Greenery and houseplants can also help the home feel a lot brighter.

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Stay connected

Modern convenience isn’t all about how things look, but about how comfortably and easily you can live, too. When it comes to the internet, rural homeowners tend to get the short end of the stick, to put it politely. If you stick with the major providers, you might find that coverage in your area isn’t suitable to the modern needs of the average internet-powered household. Check out other providers like i3Broadband.com for more information on the types of internet packages they offer in your area. You might just be able to find one who can provide better coverage or at least better hardware, such as routers, that can help your home make the best use of your connection. We use the net for much more than visiting websites nowadays. Between online video games and streaming high-quality videos, you need high-speed internet that can handle a heavier load.

Make it smart

If you upgrade the wireless hub of the home, then you might be able to use it to do a lot more than access faster download and upload speeds. The smart home is a revolutionary new trend in home technology that allows you to control a lot more from a single control panel. For instance, you can connect your smart home to your lights, electronic locks, blinds, your HVAC, even your TV, and your sound systems, allowing you to control them all remotely. There’s nothing to stop someone in a country home from taking their house to the future. However, it may require you to do a lot of rewiring and to install new power outlets into the home to keep everything connected.

 

Get energized

Speaking of power, if you’re sick of being tied to the grid and paying utility companies for your energy, then you should consider going solar instead. Sites like YellowLite.com show more about different solar installations that can make the best use of the climate in your area. As previously mentioned, country homes tend to get a lot more natural light that homes in suburbs and the cities, because there’s nothing to block the sun. As a result, they could also have the biggest potential savings by making the switch to solar-powered electricity in the home. If you produce more electricity than you use, you can even provide it back into the grid.

Stand up against the weather

If your home is at the mercy of the elements, there are a lot of ways to tackle it. Updating your doors and windows to more energy efficient fixtures is one way, as is replacing and maintaining the health of the roof. However, sometimes it’s the walls that let a little too much of the heat escape. As Hunker.com shows, exterior cladding could be just the solution you need. Besides helping the home better maintain its own climate, cladding can reduce water absorption and is highly resistant to sunlight. What’s more, it can immediately transform the aesthetic appeal of the home, giving it a much more modern façade.

You don’t have to transform the home from top to bottom to enjoy a little modern convenience. It’s a good idea to list your wants and needs, to prioritize so you can see where you can do a little updating without sacrificing what you love about your country home

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End-of-Summer Home Checklist

It may be sad to say, but summer is just about at an end. It is time to start battening down the hatches for the colder months ahead. Plus, there are plenty of other home improvements which you can make during the following weeks and months. In this blog post, we are going to take a closer look at just a few of them. Many of these jobs will be much harder to complete when the real cold of winter sets in. So, here is an end-of-summer checklist which you can start ticking off.

A Lick of Paint

Since you will be spending a lot of time indoors over the next few months, it makes sense that you have a nice environment to look at. So, now is the perfect opportunity to give your walls a lick of paint. It could be that you simply want to refresh the wall colours which you have already. Otherwise, you may want to go for something completely different. Since the weather is still warm, you can leave your windows and doors open to let the paint dry. This is helpful in not leaving your home stinking of paint fumes.

Check for Any Leaks and Get Them Repaired

Winter is the last time of year that you want leaks in your home. So, to avoid suffering from chilly draughts, you need to check for leaks around the house now. Look around the home for the potential places where cold air could enter. Step outside to check for any cracks or holes in your windows, walls, doors or anywhere else. Some of these could be solved with a DIY job like caulking in the gaps. This will dry better during the warmer weather. However, if you do notice any in your windows, now is the time to get in touch with a firm like Westview Glass. Getting these jobs taken care of now can help to provide you with great peace of mind.

Get Your Fireplace Ready

There is nothing like cosying up indoors in front of a roaring fireplace. So, if you are lucky enough to have one in your home, now is the time to make sure that it is in good working order. Give it a test out now, as it is going to be much harder to get it repaired in the height of winter. It may simply need a good clean since it has likely not been used for several months of the year. Now is a good opportunity to stock up on some firewood so that you are all ready to go.

Clear Out the Gutters

If your home has rain gutters, now is a great opportunity to get them properly cleared out. Of course, you may want to do this job a little later in the year as well, since they could get clogged up with leaves when they start falling. All sorts of damage can be caused to other parts of your home if you don’t take care of this task now. Prevention is far better than the cure, so now is the time to take action.

Wash Your Winter Clothes and Bedding

 

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It won’t be long before you want to start digging out your winter clothes and bedding. And it is likely to have been at the back of your closet gathering dust over the past few years, so now is the time to dig it all out when the weather is still warm enough to dry it all properly. Just some of the items to put on the washing checklist include winter duvets, blankets, coats, pillows, jumpers, to name a few. Hang them all up outside if you can as the UV light in sunshine works as a fantastic disinfectant. Odours and mildew can also be cleared by the fresh air.

Make Your Rooms Cosier

Once your winter duvets, rugs, and blankets are washed, now is the time to start putting them around your home again. You can swap them out for your light and simple linens. You may even want to invest in some new ones. Layering up your furniture is also a fantastic way of updating your interior design. Choose a wide combination of colours, prints, and fabric varieties. This way, your home will appear inviting from the moment you step through the front door.

Rearrange Your Coat Room

There is a lot of effort in the winter months when you are putting on and taking off your coats, boots etc. Maybe you need to clear out your coathooks or get some new ones entirely. Perhaps you have some winter clothes hanging around which you no longer need, and they are simply taking up space. It is worth getting a little rug to wipe your muddy and wet boots on. A little stool will also make your job so much easier. And a shelf to put your shoes on will also help you to keep everything properly organised.

Clean the Windows

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Since the days are getting shorter, you will want to allow as much natural light into your home as possible. The first thing to do is to give them a good wash. On the inside, you can do the job well with a damp microfibre cloth. Outside, they are bound to get dirtier, so you can start by spraying them down with a hose. Finish off the job with a squeegee for the highest quality results. You may also want to switch out your thin blinds or window treatments for some which are a little thicker and heavier. This way, you can better contain the heat in your home.

Bring Your Outdoor Furniture In

It is sad to say, but the days of having outdoor gatherings are coming to an end. So, you want to make sure that your patio furniture and grill are stored safely indoors. Before you do this, now is a good opportunity to wipe down your tables and chairs with a cloth to get rid of the dirt on the surface. Afterward, you can then hose them all down. However, you need to make sure that everything is properly dry before you put it all indoors. Take this extra bit of care now and your furniture is much more likely to stand the test of time. And before you are closing your grill up for the season, it is worth wiping it down with a soapy cloth. If you have a gas-powered grill, take special care to close the tank of the valve is closed and detached.

Clean Out the Sink and Garbage Disposal

  If you have a garbage disposal in your sink, this is a very useful tool which is worth keeping in good working order. However, during the warmer months of the year, it is very easy for the bacteria lurking within to multiply significantly. A simple way of clearing it out is by using a specially designed garbage disposal cleaning product to disinfect it and remove any clogs which may well have built up. Again, this is the type of job which becomes much more complicated to complete if you wait for the winter months to do it.

Scrub All the Bathrooms

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Spring cleaning is a phrase that you hear all the time, but autumn cleaning is one which hardly ever gets mentioned. And if you are going to complete a fall cleaning job, it makes sense that you kick things off in the bathroom. A mildew remover is a useful tool which you can use to scour the surfaces until they are shiny and clean. Perhaps you have spotted some areas which need regrouting, and now is the perfect opportunity to complete this simple DIY task. And if there are any other major bathroom repairs or improvements that you would like to make, start now and they will be done in plenty of time before winter arrives.

Though you may be sad about the end of summer, rather than dwelling in your depression, now is the time to start taking action so you can kick off the winter in the best way possible. This way, you will be able to relax indoors rather than rushing around trying to complete a million different jobs when the nights are getting shorter and the weather is getting colder.

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Refreshing Your Home on a Budget

Our homes get a lot of use. Especially if you’ve got kids and pets. We spend a lot of time in our houses, and now a lot more of us are even working out of them. Your home is where you relax after a hard day. It’s where you are free to be yourself, to relax with your family, and to entertain your friends. It’s your own private space in the big wide world. It makes sense that we’d want our homes to look and function at their best. To keep us safe, to give us what we need to create sumptuous meals, to get a good night’s sleep and to unwind when we are stressed out.

But, with so much use, it’s no surprise that our homes can quickly start to look worn and tired. Things break, our décor becomes dated, and we can easily fall out of love with our homes. Unfortunately, while we’d love to always live in the home of our dreams, refurbishment and decoration can be very expensive, and not many of us can afford to undertake a full home makeover as often as we like.

Luckily, however, there are plenty of ways to refresh your home even on a tight budget. Ways to make small changes that can help you to fall in love with your home again. Easy things that you can do, to refresh your home without spending the world.

Refurbish Your Kitchen Cabinets

 

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A whole new kitchen can cost a fortune. You’ll often find that the cost of installation is at least as much as the kitchen itself, and you can face weeks without a kitchen while the work is being done. But, your kitchen is an important part of your home. For many people, it’s the heart of the house, and many modern families spend most of their quality time together in the kitchen, cooking, eating, doing homework and having fun together.

Fortunately, getting a brand-new kitchen isn’t the only way to refresh the room and give it a new lease of life. Check out https://kitchensacramento.com/kitchen-cabinets/ for remodelling and refurbishment options. Including refacing your cupboards which could only cost a fraction of the price.

Let More Light In

If your home has started to look dull and dark, the easiest way to brighten it up is literally brightening it up. Getting plenty of natural light doesn’t just brighten up your décor. It can also improve your mood, help you to get more vitamin D and help you to sleep better.

There are many great ways to increase the natural light in your home. You can switch to lighter curtains, paint your window frames a lighter color so that they reflect more light inside, add mirrors to the walls in smaller, darker spaces, trim back anything in your garden that might be blocking light and simply clean your windows.

Paint the Walls

Redecorating is very expensive. But, just painting the walls can be significantly cheaper. Even if you paint them the same color, a few shades lighter can brighten things up and make things look cleaner and fresher. Try to stick to neutral colors, so that you can change your accessories when you get bored without having to worry about clashing colors and schemes.

Hang Some Art

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Original artwork can be very expensive. So can prints if they are from a known artist or limited editions. But, there are so many other options. Frame wallpaper samples or bits of gift wrap that you love. Frame pieces from magazines or even your children’s artwork. Everything looks cool in a frame and hanging large pieces can add color and life to your home. Check out this cool free printable

Move Things Around

You don’t need to spend a penny to make your home look completely different. Just move things around. We get used to our furniture being in the same place, so moving it around can make your rooms look entirely different. Change the layout so that the seating faces each other instead of the TV and you’ll suddenly have a more sociable room with a new focus.

Cover Your Furniture

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Sofas and chairs are very expensive, but they don’t last forever. They can also be a large feature that draws focus in your rooms. So, if you are bored or your sofas need a new lease of life, instead of replacing them, cover them. You could recover your seat pads and cushions or simply buy big throws to cover them up when you fancy a change. This is a super simple way to refresh your room.

Throw pillows can also add a much needed pop of color, add texture and dramatically change the look of a room within minutes. Check out my favorite throw pillows this season: House Fenway’s Favorite Autumn Pillows

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The Empty Room Upstairs Can Mimic Another

One of the biggest dilemmas for any household is what to do with that spare room upstairs? For someone that loves DIY and home decoration activities, it’s actually a godsend. They get to reset the room however they wish and pretty much stir their creative juices into a smooth-as-silk flow. For those that aren’t so versed in homely things, it can be more than a bit of a problem. In fact some people are so afraid that they might get it wrong, they just leave the room blank. So right up and til they want to sell the home, they have been living with a giant empty hole in their home. The issue is, what kind of ideas could work? Starting totally fresh is what gets people twisted up. When you have the money, you can throw ideas at the wall and create the room into whatever you want. But when you don’t, it’s best to fall back onto something safe, like mimicking a room that you already have.

Personal relaxation or lounge?

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Consider these two options, personal relaxation versus an upstairs lounge. For personal relaxation you would make the room into somewhat of a mix of the living room and bedroom. You could have a single bed in the room, together with an armchair that looks out toward the window. This means that the room would be your little corner of the home where you can just relax, away from the kids, your partner and the pets. Here you could read a book in silence, have a snack or have a chat with your friends on the phone or via online without disturbing anyone else.

On the other hand the lounge option would mean hiring some furniture transport because you should put a great sofa in the room. The services are user-rated and reviewed, so you know who you can and can’t trust. They offer assistance in moving it also so you need not put your back out lifting it up the stairs. It could be a corner sofa that is end to end giving maximum space usage. The design is modern so it doesn’t look like a hovel trapped in time, the spare room could end up looking even more fashionable than your downstairs lounge.

For the pets

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Still not sure about what to do? If you have pets, usually they will sleep downstairs in their own beds. They could be moved upstairs nearer to where the rest of the family sleeps. In fact, the spare room could become the pet room, where they could play with their toys and gnaw on bones without damaging the walls or floor in the kitchen. If you install a small bath, you could wash them here too and not need to put them into the same bath the family uses. All their clothes could be kept in this room, such as towels, winter jackets, costumes etc.

The empty room is always a conundrum in households that aren’t used to having a spare room no one uses. The fear is messing it up with decor and things that don’t work. However, it could be your little space or privacy, or perhaps a zone where the pets can be a little wilder inside the house!