This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #CollectAtWalmart #CollectiveBias
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This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #CampaignHashtag #CollectiveBias
Who doesn’t love Jack Link’s Beef Jerky?! It’s made with 100% Beef, offers 11g of protein per serving, tastes amazing, and now, you get 20% more when purchasing the NEW 12oz. bag!! Whether you’re on-the-go during busy days, powering thru work or snacking with the whole family at home, Jack Link’s Beef Jerky is perfect for every occasion. Visit your local Walmart and use this Ibotta offer to get $2.25 off one (1)*!
*while supplies last, offer available on 10oz. and 12oz. bags
Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #DealOnJackLinksJerky #CollectiveBias
Who doesn’t love Jack Link’s Beef Jerky?! It’s made with 100% Beef, offers 11g of protein per serving, tastes amazing, and now, you get 20% more when purchasing the NEW 12oz. bag!! Whether you’re on-the-go during busy days, powering thru work or snacking with the whole family at home, Jack Link’s Beef Jerky is perfect for every occasion. Visit your local Walmart and use this Ibotta offer to get $2.25 off one (1)*!
*while supplies last, offer available on 10oz. and 12oz. bags
Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #BigBagOfJackLinksJerky #CollectiveBias
Who doesn’t love Jack Link’s Beef Jerky?! It’s made with 100% Beef, offers 11g of protein per serving, tastes amazing, and now, you get 20% more when purchasing the NEW 12oz. bag!! Whether you’re on-the-go during busy days, powering thru work or snacking with the whole family at home, Jack Link’s Beef Jerky is perfect for every occasion. Visit your local Walmart and use this Ibotta offer to get $2.25 off one (1)*!
*while supplies last, offer available on 10oz. and 12oz. bags
Want to Save Money on Your Roadtrip? Taking a vacation just got easier with the money saving road trip tips.
The first thing to do before roadtrip season, or heading off on a trip is to make sure your car is roadtrip ready. Have it serviced at the dealership to help make sure you do not have an unexpected issues come up while you are traveling.
Ways to Save Money on Road Trips
The best way to save money on any trip is to make it a road trip. It is so much cheaper to drive than to buy air fare for everyone and then rent a car when you get there. When you take a road trip, you save money but you also are in control of where and when you stop. You are not stuck with the food, drink or entertainment options that are offered to you. You can drive to where ever you want to eat or enjoy whatever you want.
Plan to stay local
Make your road trip a day trip. If you can cut out the need for a hotel room, you can squeeze in more road trips. Plan to go somewhere that is with in a few hours drive. That way, once you are there, you can have plenty of time to play and check everything out, and then still have enough time to drive home.
Camp
If you are going to be further than you can go for the day, think about camping. Camping is a cheap way to stay the night, enjoy the outdoors and still stay on your budget. There are some places that even let you camp for free. Many sites you have to pay for are usually around $20 a night for the camp site. Build a fire, roast some hot dogs and marshmallows and the kids will have a great time. Plus, your wallet will be happy too.
Buy Snacks a Head of Time
When you pick up snacks at the grocery store before the trip, you will safe a lot of money. When you stop at gas stations or convenience stores, you will spend more money and have a lot less options. You can pick up healthy snacks as well, which many gas stations do not have.
Cheap Entertainment
Keep the kids happy in the car, and out of your hair. While you are at the store getting your snacks, look at the budget section of the toys. There are usually lots of fun toys that are under $5. You can also pick up toys and activities from the dollar store. Keep them separate from the kids’ other toys and they stay special. There are great little packs that have crayons and coloring sheets in them. The kids can stay happy in the cars for hours. We like to keep everything in a special bag, from their snacks to toys.
Real estate investment is a great way to make money in a sustainable way and to build yourself a portfolio of investment to use later in you life.
Investing in property is something that can take some time to learn, and it is also a challenge to start. You may be able to take advantage of a lending service such as visiolending.com to get you started, and once you get on the property ladder you will soon reap the rewards.
Today we are going to take a look at the essential things you need to be successful in property investment.
Set a budget
When buying a home to rent out or sell on, the most important thing to consider is the profit margin. You can see. Be sure to set yourself a budget both for the purchase of the property itself, and then any renovation work you need to complete before selling on. This is incredibly important because it will dictate how much money you are able to make.
Old or new?
It is important for you to distance yourself emotionally when you invest in property and understand that you are not looking for a home for yourself. Old properties might be more stable and perhaps more aesthetically pleasing, but older buildings can always present more problems. It may be best to choose a newer property as you know it will have been checked recently and will be up to current building regulations.
Research average rent
Before you get into property investment it is a good idea to know what rent you are working with. Being able to charge a tenant rent for living in your property is how you will make money as an investor and you need to ensure that you can make enough. Take the time to research on sites like Zoopla and see what the average rent prices are in your area. You might decide that buying a property in a different town or city to be more lucrative.
Understand the draw to the location
When it comes to marketing your property for rent it is important for you to understand what drives people to move to this location. Perhaps it has good transport links to the city, maybe it has a good sense of community, or maybe it has some up and coming bars and restaurants. Once you know why people want to move to the area you can use these points to sell your home.
Pick an area on the up
When choosing an area for property investment it is important for you to pick an area that you know is on the rise. If there have been recent developments to the infrastructure of a town or city this brings with it more people, and you can often predict pretty well how the prices may rise as a result.
All of these things will keep you to become a better investor and it will ensure that you are always able to make a good income from this.
Modern technology has offered us an array of benefits, one being access to unlimited internet. With the help of the internet, we can go online and carry out almost any activity we choose, such as watching our favorite TV shows, downloading a book, studying for our papers, booking our plane tickets, voting and even paying our bills online. Could the internet make life any easier? In today’s article, we’ll share with you the benefits of being able to pay your bills online.
4 Reasons You Need to Start Paying Your Bills Online
Less Paper Waste
We all know of the one primary concern enveloping modern society today – global warming. One major cause of global warming is deforestation. In recent times it has become more critical than ever to take care of the environment in order to avoid the detrimental consequences. By engaging in bill payment online, we reduce the need for paper production, thereby reducing deforestation. If you call yourself an ‘eco-friendly’ person, then this is something you should certainly do. Moreover, paying bills online also saves money on postage and the creation of envelopes.
Safe
Did you know that paying your bills online is not only safe but also helps to keep everything safe and helps to maintain priority? Unlike the traditional way of receiving paper bills that can get in anyone’s hands, you will receive your bills via email, the credentials of which only you will have (and should have). Moreover, the platform onto which you will go to pay your bill is secure and theft-proof due to the presence of encryption which keeps your data safe and hidden. You should note that every transaction you make safely makes it to its destination without the possibility of inception.
Quick and Time-Saving
One major boon of modern technology is that it has made life easier; all forms of electrical appliances used in the home to factories and offices have certainly allowed us to get our jobs done more quickly thereby allowing us to save time. In the past, people would either have to go to a specific location to pay their bills or re-mail the money back. Nowadays, we can simply go online and pay our bills. This is a lesser time-consuming process because now you don’t have to walk to grab the mail, tear open with a letter opener, and re-bill back; all you need to do is make a simple transaction online.
Can Be Done from Anywhere
In the past, we couldn’t pay our bills from wherever we were on the planet, if you have access to the ‘mighty’ internet, you can now pay bills no matter where you are in the world. This really helps you to be tension-free and pay your bills no matter where you are, especially when you’re out traveling. Another great advantage of this is that now you will never have to be worried about ever being late in paying your bills. Moreover, paying bills is more manageable than ever because every bill comes straight to your email.
In a world that is dominated by money, figuring out a way to make yours last longer is essential. The society and culture demands we spend cash left, right and center, so it’s no wonder that a lot of people are struggling with having enough. You have to develop strategies and coping mechanisms and develop the ability for delayed gratification. It does not matter how much you have. What really matters is what you do with it. As you could be earning $100,000 a year be more in debt than someone who earns $15,000 who knows how to live within their means. If you are not careful things can easily spiral out of control, and can have a devastating effect on mental health. If you are struggling, then you know all about the consequences of running out of money and falling into the red. The best thing to do is not bury your head in the sand. Things will not get better that way, if you are worried, then you have a face the problem, as with anything in life – head-on. Anyway here are a few money-saving tips and ideas to get you started.
Okay, this is probably the big one, and potentially the most difficult. However, if you are in debt, you need to take stock of where you are. The last thing you should do is shred the letters from the bank or creditors before you read them, this will not help. You will incur charges and fines, and things will only get worse. You need to speak to the lender. Having a conversation with a human being trained to help people in your situation will help you. They may be able to cut you some slack or give you some very good advice, refer you to a specialist, or a financial consultant, or if you are vulnerable in some way, there may be more options. The thing is you do not know what help is on offer until you speak to them. Together you may be able to work out a suitable solution. If you have a lot of separate debts consolidating them makes sense. If the repayments are too high, you need to discuss it. The reality is that while you are in debt, there is little to no point trying to save money as the interest usually outweighs the benefits from saving. So you need to tackle the big issue first. Debt can drag you down if something happens like another recession. So you need to tackle the problem. Once you have a manageable solution, then a lot of stress will be removed from you, and you can go forward more easily.
Learn to live within your means
If you are determined that you want to get out of debt and stay out of debt, you have to be realistic about your earnings. Think about it, and it can be hard as it may mean a lifestyle change, but it is possible. If you want to live stress-free, which is, in the long run, much more beneficial than getting the latest phone or a new bag. Stress is extremely damaging to your health, and can actually make you ill. So think about that the next time you see something and want to buy on impulse. In order to save money, you have to have money to save and living frugally and within your means is how you do this. How many people get paid and have no idea where the money goes? You have to level up your consciousness on what you are spending. If you struggle with money, you have to be aware of every purchase you make. Why don’t you have a look at your bank statement from last month and work out how many of the purchases you can remember aking and how many could have been avoided? You have to stop money falling through your fingers like a sieve, and stop impulse buying, internet shopping for things you don’t need, and buying unnecessary things such as expensive lunches and sandwiches. It is up to you to be the Master of your finances, and the only person you need to control is you.
Keep an eye on your bank account
These days there is pretty much no excuse for not knowing how much is in your bank account. If you have a smartphone, you can have a banking app. If you struggle with money, then you need to be able to see how you are going on a daily basis, possibly a few times a day to know how you are getting on and what funds you have to play with. The idea is that with more knowledge, you will make better spending choices. That way, it makes it more difficult to fall into the red.
Budgeting
Some of you may require a budget, as you cannot monitor it in real-time. You will have to work exactly what income comes into the house, and what all the essential outgoings are such as rent or mortgage, utilities, etc. Once you know how much you have left, you can set a daily, or weekly budget, whatever works best for you. Look at your bank statement and look at all your direct debits, can you stop any of them? Do you still really need that direct debit for the gym you never go to?
Delayed gratification
If there is something that you really desire and it is out of your price range, step back. You need to think. Is it worth it? Perhaps leave it a month or so and see if you still really want or need it. You will probably find that the impulse to buy has gone and you have one less thing cluttering up your home. However, if something is out of your budget and you still need it, save up, or cut back on something else. Do not go into the red for it, as you will find the benefit you get from the product will be outweighed by the stress for falling into debt again.
Find cheaper alternatives
Have you made a utility comparison recently? Or a phone package comparison? If you have an expensive direct debit on a phone contract, are you really getting the best deal? You could invest in a Smarty SIM and get a pay as you go SIM for as little as £6 a month. There are so many options out there. You should think about your food shop too, perhaps going to a budget supermarket may be a better alternative, or simply buying supermarket own branded things instead of the branded items. However, there are some things that you shouldn’t scrimp on, as the more expensive item may last a lot longer. The cheapest toilet rolls, for example, last three seconds, so get the mid-range ones instead. If you are determined to have a better financial life, then you will work out the best options for you.
Use coupons and deals
When you see a coupon in a magazine, use it. There is no shame in this. Also, everyone deserves to go out once in a while, so find places that offer deals you can use various sites such as Groupon to find deals. Also, there are a lot of retailers who reward their customers. So sign up. You may want a separate email address for this so create a separate email account, then go into the stores you frequent and get the loyalty cards they have on offer.
Write a list of shopping items and stick to it
When you make your weekly trip to the supermarket, ensure you stick to your list. Do not be tempted by the myriad of two for one offers and shiny deals. This could actually serve you a double function, as not only will you be buying only what’s on the list, in all likelihood this will be healthier too. Two for one offers are generally for the unhealthy things, so don’t be tempted. Als, ensure that the list has enough bread and milk, etc. to last the week. You do not want to be making unnecessary trips to the corner store where the prices are inflated every five minutes.
Stop buying fast food
You may be busy, but you are far better off cooking at home rather than going to the drive-through or ordering in a takeaway. Over time these little luxuries add up, and you will be out of pocket. Not to mention that you are developing bad habits. You should look at yourself and see if you have any other bad habits you can cut, like smoking, and drinking too much alcohol. Both of these are expensive habits and are also bad for your health. If you can avoid making so many trips in the car, you will be able to save money on petrol too. There are going to be many little ways you can save money. You just have to have the power of mind, and determination to make small incremental changes for the better.
If you’re new to saving money and you don’t know where to begin then don’t worry, you have definitely come to the right place. Whether you’re saving for a special occasion or you want to prepare for your future, you need to ensure you’re saving as much money as you possibly can throughout your adult life. Luckily, there are lots of ways in which you can do exactly that. From setting yourself goals and targets to creating a handy budget spreadsheet, the more you’re doing to protect your finances the better. With that in mind, here are 10 super simple ways to save money for beginners:
Set Your Self Goals And Targets
One of the best ways to start saving money is to set yourself goals and targets, as it will help ensure you have the motivation to save when things get difficult. Whether you’re setting yourself the goal of saving £1,000 in a year or you want to save £100 a month, have a quantifiable goal in mind will make things much easier. Whilst you may not hit it each and every time, at least you will know you have tried your absolute best. For tips and tricks when it comes to setting yourself financial saving goals, you can visit this site here.
Create A Budget Spreadsheet
Another great way to save money if you’re a beginner is to create a budget spreadsheet. Although they can be tricky to set up, your budget spreadsheet will show you exactly how much money you have coming in and going out at any given time. It will detail all of the bills you have to pay, clearly showing you how much disposable income you should have each month. Once you know how much you have to spare, you can put a portion of it into savings. If you have the same going in and out each month, you’ll soon get into a habit of savings each and every month.
Use A Budgeting App
If you don’t want to create a budgeting spreadsheet, you can use a budgeting app instead. Although they’re not as visual as a spreadsheet, they’ll have you learn where you’re spending the most of your money. In some cases, they’ll even tell you where you need to cut down in order to reach your goals. Whether it’s reducing the number of subscriptions you have to buying less coffee when you’re out, the app will let you know when you’re spending more than you can afford. For great budgeting apps, you can visit this site here.
Set Up A Monthly Direct Debit
When it comes to transferring money into your savings account each and every month, it may be hard to stay motivated. If you have to physically transfer money each month, chances are you’re not going to do it, especially when you have a big event or occasion coming up. To help stop that, you may want to consider setting up a monthly direct debit that leaves your account on the day you get paid. Although you’ll notice at first, your savings will soon become one of those bills you have to pay.
Limit The Number Of Things You Buy Each Month
If you know you spend a lot and you’re always buying unnecessary things, you may want to consider limiting your spending budget for the month. Whether this means buying fewer clothes or going to the cinema fewer times, you may actually be surprised at how much you can save when you start to cut things down.
Cook All Your Meals At Home
Although it’s nice to go out for dinner or order take out every once in a while, cooking all of your meals at home can save you a lot of money. If you take the time to plan out what you’re going to be eating each day, chances are you’re going to be spending much less and wasting zero food at the end of the week. It will take some time to get used to, but meal planning can quickly become part of a great weekly routine. When planning your meals, you need to think about:
The foods you and your family enjoy
What ingredients can be used in various different meals
How quickly things go out of date
How easy the meals are to make and how much time you have
Whether or not you’re going to be prepping in one go
Sell Your Unwanted Belongings And Save Any Profits Made
If you have lots of unwanted belongings and you want to clear out your house, you may want to think about selling a number of the things you own. Whether that means setting up a stall at a local car boot sale or selling your things online, you can put the profits you make straight into your savings account.
Use Voucher Codes For Discounts
If you struggle when it comes to managing your finances, you might want to consider using vouchers and discount codes to save money on the things you buy each and every day. Although they can often be hard to find, sites like Net Voucher Codes can make it easier.
Consider A Savings Challenge
For those that struggle when it comes to finding the motivation to save, savings challenges are a great option. For those that don’t know, a savings challenge is a daily, weekly or monthly challenge where you save a certain amount each time. Whether it’s $1 a day or $25 a week, you’re encouraged to track how much you’re saving and by the end of the year, you’ll have a big pot of money to spend.
Other savings challenges include no-spend days, where you need to see how many days you can go without spending any money at all. It may sound easy, but it’s much harder than it looks.
Cancel Unnecessary Subscriptions
Finally, if you have any unnecessary subscriptions, you need to cancel them as soon as you possibly can. They all add up!
Are you looking for ways to start saving money? What small lifestyle changes can you make that will make a huge difference? Did we miss anything off the list? Let me know your thoughts and ideas in the comments section below.
Wondering How to Make Hand Sanitizer? Whether you are trying to save money or can’t find hand sanitizer in the stores, you can easily make this homemade hand sanitizer to have it whenever you need it.
How to Make Hand Sanitizer
This easy to make DIY hand sanitizer is perfect and works as well as the store bought stuff. The key is to make sure that the homemade sanitizer is the right strength. You want it to be at least 60% alcohol, according to the CDC, Center for Disease Control. The key is to use 99 percent or at the very least 70% rubbing alcohol when you make this DIY sanitizer.
How to Avoid Getting Sick
The best way to avoid getting sick is to wash your hands often with soap and water, avoid touching your face and avoid places where people are sick, including large crowds. Another way to avoid getting sick is to use things like this DIY hand sanitizer. Whatever hand sanitizer you use, make sure the recipe calls for a strong alcohol, like 70-99 % alcohol.
How to Make it Smell Like Bath and Body Works Hand Sanitizer
Adding essential oils into the hand sanitizer can give it a wonderful scent instead of smelling like alcohol. For additional germ fighting help you can use Thieves by Young Living, Germ Fighter by Plant Therapy, a few drops of Tea Tree Oil or Oregano essential oil. You can add a variety of essential oils to get the smell you enjoy.
How to Use Hand Sanitizer
It is always best to use soap and water to clean your hands. However, sometimes you do not have access to soap. When you are using hand sanitizer to help kill germs, like the coronavirus, seasonal flu, or bacterial infections or other disease control and prevention, you want to use 2 pumps of the sanitizer and rub your hands together until it is dry. Be sure to get in between the fingers and under the nails.
Does DIY Hand Sanitizer Work Against Coronoavirus
If you are concerned about the coronavirus, you will want to read, What Parents Need to Know About the Coronavirus Outbreak. The CDC and WHO, World Health Organization, is telling everyone to wash your hands well as well as use hand sanitizer that is at least 60% alcohol. The key is to make sure that you are using the hand sanitizer correctly.
Ingredients in Hand Sanitizer
Rubbing Alcohol, also known as isopropyl alcohol – Preferably 99%, 91% or anything above 70%
Aloe Vera Gel
Essential Oils
Container like a hand pump
How to Make Hand Sanitizer
Add the aloe vera to a bowl and then add the rubbing alcohol.
Mix in the essential oils and combine well.
Store the DIY hand sanitizer in the hand pump bottle.
Wondering How to Make Hand Sanitizer? Whether you are trying to save money or can't find hand sanitizer in the stores, you can easily make this homemade hand sanitizer to have it whenever you need it.
Keyword how to make hand sanitizer
Prep Time 5minutes
Total Time 5minutes
Ingredients
2/3CupRubbing Alcohol91% or higher
1/3cupAleo Vera Gel
8-10drop Essential Oilsoptional
Instructions
Add the aloe vera to a bowl and then add the rubbing alcohol.
Mix in the essential oils and combine well.
Store the DIY hand sanitizer in the hand pump bottle.
If you love food but still want to lose weight, you should consider iTrackBites. It is just like Weight Watchers, but a lot more inexpensive. You can save money with iTrackBites and helps you stay on track. What is iTrackbites? This app has been known to go by the phrase, “the free Weight Watchers app”....
There comes a time where we start to feel like we are financially trapped in our circumstances. Sure, things may be ticking over just fine. Your bills are being paid each month, your income is coming in, you may have a little leftover and life may be fine. But is it possible to have a...
