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Deflating spending amid high inflation
Prices keep going up, up, up. Between the time it took us to write this article and you got a chance to read it, prices may have climbed another few percent. Such are the times, but we have some tips for saving money and trimming spending.
Ultimately, if you want to save money, especially amid high inflation, you should go through your spending line-by-line and see where you can swap in cheaper alternatives. Be sure to search for those movie channels you don’t actually watch and other monthly charges to your Apple or Google account. They can add up.
Couponing used to take quite a bit of work. You might spend hours flipping through newspaper pages and cutting out good deals. With sites like Brickseek, you can compare prices from a huge number of online and even brick-and-mortar retailers. But buy only what you will actually use.
An even easier way to shop and save is simply getting cash back for any purchases you make. With interest rates on the rise, credit cards aren’t as attractive as they used to be. Still, you can use websites like Rakuten and Retailmenot to get cash back on many purchases.
Some credit card companies continue to offer zero percent APR sign-up bonuses, so make sure you check those out. Often, you can transfer balances with a high APR to low or zero percent interest cards. You can also find good cashback bonuses, so it’s smart to see if you qualify for any attractive credit cards on websites like WalletHub.
People love eating out, with Americans dining out nearly six times per week on average, according to Business Insider. But you could buy fresh pre-prepared meals at many grocery stores for substantially less. Often, you can throw these delights in the oven and heat them in a matter of minutes. Best way to save on food? Buy cheap staples — rice, potatoes, beans, veggies — and cook them yourself.
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Dare to DIY: Tackle small projects yourself
Does your home need a little sprucing up? Are you having trouble finding a professional to do the job with the ongoing labor shortage?
If you want to refresh your decor, repaint the walls or install a backsplash, do it yourself. With the right tools, high-quality materials, professional advice, and a little elbow grease, you’re sure to create something you’re proud of.
Visit local home improvement and hardware stores, tool rental centers, paint retailers, flooring stores, and more to find everything you need for your renovation project.
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Why you should hire a professional wedding planner for your big day
Planning a wedding is a full-time job. Have you considered hiring a professional wedding planner? Here are a few ways a pro can make your wedding day perfect for you and enjoyable for your loved ones.
• Schedule and budget. Wedding planners have timetables and finances down to a science. They’ll relieve you of all uncertainty, from timing your invitations to ordering the cake.
• Insider knowledge. A pro knows which vendors best suit your preferences and needs. Moreover, since your planner brings them steady business, you may get better deals.
• Personality management. You need someone to advocate for you when interpersonal conflicts arise. Be it the guest list, the seating plan, or a problematic relative, and your wedding planner will handle uncomfortable conversations for you.
• Quality control. A pro ensures nothing gets overlooked. They may also have unique and fun ideas you may not have thought of.
Investing in a professional may save you money on your overall wedding costs. Talk to a wedding planner near you to relax and enjoy your special day.
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The benefits of vinyl flooring
Are you renovating your home or building a new abode? When it comes to flooring, keep in mind the undeniable advantages of vinyl.
Multiple qualities
This versatile material has been gaining popularity in the world of interior design. Modern vinyl flooring has the following benefits.
•It’s cost-effective compared to other floor coverings
• It’s easy to maintain
• It’s scratch- and scuff-resistant, making it suitable for high-traffic areas
• It’s waterproof, making it practical for bathrooms and kitchens
• It can be made to look like natural stone and wood
• It’s warmer underfoot than other types of flooring materials like tile
• It’s available in several formats, including rolls, tiles, and strips
Visit a flooring retailer near you to discover the versatility of vinyl flooring.
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How the envelope budgeting method works
The envelope budgeting method uses a cash-based approach to help people who struggle with sticking to a budget to be more mindful of their spending. It allows you to see how much you spend physically.
Start by dividing your income into different spending categories, such as bills, groceries, savings, gas, and entertainment. You can tailor your categories to your specific situation. However, don’t forget to create envelopes for irregular expenses, such as taxes, insurance, and gifts.
Then, assign a certain amount of cash to each category. There’s no set amount. Your dollar amount in each envelope should reflect your needs and personal goals. For example, if you spend $100 weekly on groceries, put $400 in the monthly grocery envelope.
Once the envelope is empty, you can’t spend any more money in that category until the new budget period begins. If you have money left over in any of the envelopes, you can either keep it in that envelope for next month or remove it and add it to your savings account or emergency fund.
This method can easily apply to a budgeting app if you no longer use cash to pay bills.
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Touchless appliances for the kitchen
If you have a smart speaker in your home, you may already benefit from hands-free technology while you cook. You can use voice commands to set a timer or listen to an online recipe. Today, there are plenty of touch-free appliances that promise to optimize hygiene while increasing efficiency in the kitchen.
Sensor lights
Indoor motion detector lighting offers the same convenience and security as the lights you install on your home’s exterior. In the kitchen, you have the added benefit of keeping messy hands off of light switches. The automatic shut-off feature saves energy, too.
Faucets
Touchless faucets are available in various styles, finishes, and price points. Some even have voice control to let you adjust water volume and temperature.
Dishwashers
Hands-free dishwashers come with doors that you knock to open. They include safety features to prevent accidental activation when a person or pet bumps into it.
Refrigerators
Handleless refrigerators open with the touch of a knee or elbow. Since current models are built-ins, you must hire a professional to install them.
Cabinets
The classic touch-latch cabinet door is a simple hands-free solution you can install yourself. Get a professional to build a sophisticated electronic cabinet closure system for a more high-tech approach.
Get in touch with a local contractor to ensure your new appliances are installed and working correctly.
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Four perfect locations to hold your wedding
Are you looking for a wedding venue that reflects your spirit as a couple? Here are four venue ideas that may inspire you.
1. Yacht. Space limitations may force you to limit your guest list to your absolute nearest and dearest. However, the fresh air and breathtaking views will ensure your intimate wedding at sea is truly memorable.
2. Public building. The stunning architecture of older buildings lends itself well to the decorum of a wedding. Imagine a couple of book lovers getting married in a stately library or a pair of art lovers tying the knot in the gallery where they had their first date.
3. Converted industrial building. Many old factories and warehouses have been given new lives as event spaces. Although you may need to spend more on decorations to offset the industrial backdrop, the funky surroundings will give your celebration playful energy.
4. Vineyard or brewery. Are you particularly fond of a local brewer or winemaker? A romantic vineyard is perfect for a sophisticated celebration. Go with a casual brewery space for a laid-back vibe.
Don’t leave your venue booking to the last minute. Take time this week to explore options near you.
When booking a unique venue, don’t forget to check with local authorities regarding crowd size, noise restrictions, and alcohol service regulations.
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