Creating a budget can be daunting to some, especially if finances are tight. And while it might seem initially scary to set limits on yourself and impose new rules, it does not have to be. If set up correctly, budgets can be freeing, believe it or not. They give you a better perspective on your spending habits, what to improve, and which areas of life you can allocate more money. And once you get into the habit of sticking to a budget, it gets easier and easier. Here are some ways to start:
The methods used to scam the general public out of their money are becoming more elaborate than ever. Advanced technology makes these methods look legitimate and familiar to the unsuspecting eye. As a result, credit card and debit fraud continues to be on the rise. The use of technology in our daily lives won't be going anywhere anytime soon, so it's important to know what steps to take to keep your money safe. Read these five essential steps of how to recognize credit and debit card fraud and the essential steps to avoid becoming a victim!
Going on a beautiful vacation doesn't have to cost a fortune. There are neat ways to save hundreds or even thousands on vacation expenses. One idea is to travel off-season. The benefit is that it costs less for airfares, destinations, and some hotels during times when tourism isn't so heavy. Another thing you can do is check out cities near your hometown. Some of those cities might cost less than the popular tourist cities, and they are just as fun. Here are additional ways to enjoy your vacation affordably.
Curb appeal: it's one of the most important attributes of your home. If you're planning to sell in the near future, you want to give potential buyers a great opinion of your home from the moment they pull up at the curb. If you aren't, you still want to raise that important curb appeal and make your visitors feel welcome as they fall in love with your home. These strategies will make raising your curb appeal easy.
1. Add a Pop of Color
Spring is an amazing time of year to add curb appeal to your home because it's simpler than ever. Visit a local nursery and choose flowers that you fall in love with. Annuals will be there for years to come! Tidy your flowerbeds or put in pretty beds around walkways or near the house. If you don't have space for beds, consider putting pots on your porch or near your front door.
Smart home technology is everywhere--and it offers a number of key advantages to many people. As you make decisions about what you want for your home, have you considered the benefits of smart home technology? Consider these key suggestions that could improve your life and make your home more comfortable than ever.
1. Video Doorbells
Whether you're home or not, it's always good to know who's at the door when they come knocking. Video doorbells connect directly to your phone, allowing you to see exactly who's at the door. If you aren't home, you can let delivery people know where to leave packages; if you are, you can let your visitor know it will be just another minute before you can come to the door. With your video doorbell, you'll always know who has come to visit.
With many Americans finding their 2018 income tax refunds a mere shadow of what they had been, now is the time to review your credit report to ensure it's in good shape--without that annual windfall to take care of old bills, you've got to be more strategic in how you manage your debt. Worse, if you owe any taxes for last year, it's imperative that you get your finances back on track so your borrowing power is strong.
Topics: My Finances