Tag: Investing

Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack]

In the 1980s, self-driving cars and smartphones without antennas were only things you’d see in movies — unimaginable futuristic goals. Now, these “impossible” inventions are part of people’s everyday lives. These innovative ideas were thought to be outlandish years ago until creators like Elon Musk and IBM’s team put their impossible goals to the test.

Impossible goals are things you want to achieve that seem out of the ordinary — ones that feel as if you may never reach them, even in your wildest dreams. These goals could be turning your dream side hustle into a full-time job or building your savings from zero in the next year to buy your dream home.

While the end result seems unreachable, a mix of motivation, determination, and hard work can get you further than you think. To see the strategic process of setting and achieving your biggest life goals, keep reading our jump to our infographic below.

What’s an Impossible Goal?

An impossible goal is a goal you think you could never achieve. Becoming a millionaire, buying your dream home, or starting a business may be your life goal, but one too big that you never set out to achieve. Instead, you may stick to your current routine and believe you should live life in the comfort zone.

Becoming a millionaire usually requires investing time, confidence, and a lot of hard work — things that may challenge you. But when you think about the highest achievers, most of them had to put in the effort and believe in themselves when nobody else did.

Flashback to 1995 when nobody believed in the “internet store” that came to be Amazon. While that was considered impossible years ago, Amazon’s now made over $280 billion dollars.

In other words, when you make your impossible goals a priority, you may be pleasantly surprised by your progress. We share how to set hard financial goals, why you should set them, and how these goals could transform your financial portfolio this year.

Impossible Goals Set by the Rich and Famous

4 Reasons to Reach for the “Impossible”

Impossible goals challenge you to shift your way of thinking — getting comfortable out of the safety zone. They help fine-tune your focus for daunting tasks you’re willing to put in the time and work for. Whether you’re looking to become a millionaire, buy your dream house, or pay down your debts, here’s why you should set goals for things you think you could never achieve.

1. You May Be Pleasantly Surprised

Everything seems impossible until you do it. When you’re in elementary school, maybe you thought getting a four-year college degree would be out of reach. Regardless, you put in the time and hard work to become a college grad years later. The same goes for your potential goal to write a book. You may think it’s hopeless to write a few hundred pages in the next year, but you may find it attainable once you hit the halfway point.

2. You Check Off Micro-Goals Along the Way

It’s hard to set your goals too low when you’re trying to reach for the stars. In the past, you may have set small goals like being more mindful with your money. While mindfulness practices are extremely beneficial for your budget, you may need more of a push to save for your dream home. By setting impossible goals, you may find it easier to reach your savings goal this year. You may have no idea how to do it, but your goal is to figure it out. Side hustles, a new job, or starting a business are all potential starting points.

3. It May Not Be as Hard as You Think

It can be uncomfortable to try something for the first time, so to avoid the doubts of reaching your goals, create a strategic plan. Download and print out our printable to breakdown each impossible goal. Start with your big goals and break them down into mini-goals. For example, if you want to start an online ecommerce store, researching the perfect website platform is a good starting point.

4. What Do You Have to Lose?

If you already live a comfortable life, you may only have experiences to gain and nothing to lose. When embarking on this journey, check in with yourself every month. Note all the lessons you learned and how far you’ve come. You most likely will face failures, but you’ll be failing forward rather than backwards. Your first ecommerce product launch may not have gone smoothly, but you may know how to improve for the next time around.

Impossible Goals Roadmap

Impossible Goals Download Button

How To Set Impossible Budgeting Goals in 6 Steps

If your impossible goal is related to finances, your mindfulness, time, and dedication will be required to put you on a path towards your dream life. To get started, follow our step-by-step guide below.

Step 1: Map Out Your Dream Lifestyle

  • Get out a journal and map out your dream life. Some starter questions may be:
  • Do you want to afford that house you’ve always dreamt about?
  • Do you want to have a certain amount of money in your savings?
  • Are you hoping to turn your side hustle into a full-time job?
  • What do you find yourself daydreaming about?

Track all these daydreams in a notebook and curate the perfect action plan to achieve each goal.

Step 2: Outline Micro-goals to Reach Your Financial Goals

Now, list out mini-goals to achieve your desires. Start with the big “unachievable” goal and break it down into medium and small goals, then assign each mini-goal a due date. For example, saving $10,000 this year may take more than your current monthly earnings. To achieve this, you may create passive income streams. If that side hustle is to start a money-making blog, you may need to research steps to successfully launch your website.

Step 3: Believe and Act Like Your Future Self

Think of yourself as the future self you want to be. You may picture yourself with a certain home, financial portfolio, and lifestyle, but your current actions may not reflect your future self. Your future self may invest, but your current self is too intimidated to start. To act like your future self, consider doing the research and finding low-risk investments that suit you and your budget.

Step 4: If You Fail, Learn from Your Mistakes

When working towards your dream life, you may hit roadblocks and experience failures. As Oprah explains it, “there is no such thing as failure. Failure is just life trying to move us in another direction.” While failure may happen, you’re able to learn from it and pivot. Every mistake you make, analyze it in your journal. Note what worked, what didn’t, and what you want to do better tomorrow to surpass this roadblock.

Step 5: Track Your Results Consistently

Host monthly meetings with yourself to see how far you’ve come. Consider creating a goal tracking system that suits you best. That may include checking your budgeting goals off in our app month after month. Find a system that works for you and note your growth at the end of each month. If you’re putting in the time and hard work, you’ll get closer to your goals in no time.

Step 6: Be Patient With Your Budget Goals

Throughout this journey, practice patience. Setting goals may be exciting and motivating, but when you’re faced with failures, you may feel hints of disappointment. To avoid a failure slump, be patient and open to learn from your mistakes. If you didn’t make what you wanted from your side hustle the first year, you’re that much closer than you were last year.

Why set your sights on hard goals? Everything feels out of reach until you do it. All it takes is motivation and determination to achieve the impossible. To boost your lifestyle, budget, and drive this New Year, consider setting goals that feel out of reach. Keep reading to see why these goals may be perfect for you. Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack] appeared first on MintLife Blog.

Source: mint.intuit.com

What Is Austerity?

What Is Austerity?

Austerity policies are nothing new. But talk about them in the news has recently escalated. In response to its ongoing debt crisis, the Greek government is preparing to implement austerity measures aimed at helping the country regain its financial footing. If you didn’t major in economics or you have no clue what austerity means, read on to find out how this fiscal program works.

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Austerity: A Definition

Trust us, austerity isn’t as complicated as it sounds. Austerity is a type of economic policy that governments use to deal with budget deficits. A country faces a deficit whenever it’s using more money than it’s earning from tax dollars.

By taking on an austerity package, a government hopes to reign in its spending, improve the status of its economy and avoid defaulting on its unpaid debt. Governments usually take on austerity measures in order to appease their creditors. In exchange, these lenders agree to bail out countries and allow them to borrow more money.

If you look up the word austere in the dictionary, you’ll see that it means severe, grave, hard, solemn and serious. Indeed, austerity is nothing to joke about.

Austerity Measures

What Is Austerity?

Austerity plans normally involve increases in different taxes, (property taxes, income taxes, etc.) budget cuts or a push to incorporate both. Government workers could lose their jobs or see their wages and benefits either decline or become stagnant. Hiking up interest rates, adding travel bans and keeping prices at a fixed level could be other strategies put in place to reduce spending.

Naturally, austerity measures typically aren’t viewed in the best light because they mean that there might be fewer government programs available to the public. Aid for veterans and low-income families, healthcare coverage and pensions are some of the benefits that normally take a hit when a country’s using an austerity package. Government services that aren’t eliminated might not be as comprehensive or as beneficial as they once were.

As you can see, in an austere environment, conditions are tighter overall. Historically, austerity has been implemented in the US during tough times including World War I, World War II and the Great Recession of 2008.

Greece’s new austerity package – which government lawmakers finally accepted in July 2015 – will feature less government funding, higher taxes and cuts to pension plans. As a result of this deal, the country was allowed to begin talks with its creditors about a third bailout.

Related Article: All About the Greek Debt Crisis

The Problems With Government Austerity 

Experts on the economy tend to go back and forth about how effective austerity can be. Some believe that instead of turning to austerity, the government should pump out more money and borrow as much as possible if an economy is on the rocks.

From a political standpoint, austerity is often controversial and results in riots and demonstrations. Anti-austerity protests erupted in Greece, where quite a few folks say that past austerity programs have only made social and economic conditions worse.

Beyond slowing down the economy, an austerity bill can cause a country to remain in its debt crisis, particularly if it’s in the midst of a recession. As fiscal austerity decreases spending, GDP can go down while unemployment goes up. Consumers can get nervous and stop spending and investing their own money.

In short, austerity policies can make life even more difficult for people who are already struggling. That’s why governments tend to turn to them as a last resort if other strategies aren’t working.

Why Austerity Might Not Be So Bad

What Is Austerity?

Notable European creditors have argued that austerity can be beneficial to a country’s long-term economic state. For instance, the International Monetary Fund (IMF) has previously reported that austerity has done more damage than anticipated. But the European Central Bank released a paper saying that austerity has been helpful, at least for some of the weaker eurozone countries.

In fact, austerity has helped strengthen the economies in European countries like Latvia and Iceland. Although Spain’s unemployment remains high, its economy is in better shape overall. Ireland has made considerable progress as well toward rebuilding its economy.

Proponents of austerity policies say that they can make investors feel more optimistic when a country is being run more responsibly. Austerity has the potential to bring a shrinking economy back to life as everyday citizens invest in the private sector instead of relying on support from the federal government.

Try out our free investment calculator. 

The US used austerity measures between 2010 and 2014. Not only were our policies harsher than those employed by the governments in the UK and other European nations, but our economy fared better than theirs.

The Takeaway

The point of austerity is to tighten the government’s belt, bring a country’s debt back down to a more manageable level and stimulate an economy that has stopped growing. Countries generally try to meet these goals by cutting spending and raising taxes.

The debate over whether austerity works continues but one common theme has emerged. Timing matters. Some critics suggest that cutting too much too quickly during a recession can be painful. When introduced more slowly, however, (or when the economy is doing very well,) austerity measures can turn things around.

Photo credit: Â©iStock.com/Eltoddo, ©iStock.com/DNY59, ©iStock.com/Peter Booth

The post What Is Austerity? appeared first on SmartAsset Blog.

Source: smartasset.com

Getting Your Finances Back on Track Post-COVID

A young man writes in his notebook in front of an open laptop.

It’s safe to say 2020 was a pretty hard year for everyone financially.

Even if your wallet hasn’t taken a hit in the last few months it’s likely either your employer or someone in your family has found themselves stretched financially by the effects of COVID.

No point dwelling on the past, though. We may not be able to go back in time and stop COVID happening and ruining our 2020, but we can ensure we’re at least in a better position financially in 2021, avoiding bad credit scores and getting our savings back on track.

There’s no better time than now to start planning for post-COVID life, so here are our essential financial tips.

Tips for Getting Your Finances Back on Track

  • Draw Up a Budget That Fits Your Lifestyle
  • Secure All the Incomings You Can
  • Have a Plan for Deferred Payments
  • Start Saving Now
  • Tips for Businessowners

Draw Up a Budget That Fits Your Lifestyle

Throughout the pandemic, your monthly budget probably changed quite dramatically.

You probably saved on fuel, travel, and evenings out with so many offices and restaurants closed—but no doubt spent a whole lot more on your utility bills.

As the economy reopens and some sense of normality resumes, you need to restructure your budget to a post-COVID world.

Now, this doesn’t mean penny-pinching. COVID may have been kind to you, and reassessing your budget is simply a matter of moving funds that you would have spent on your home into your socializing budget. However, if you’re one of the many people no longer getting some kind of financial support on top of your diminished wage, you need to figure out how you’re going to pay rent, buy food, and cover all the other essentials.

The end of remote working, catching up on vacations, covering childcare—these are all real-world requirements your budget will need to be able to answer for.

Secure All the Incomings You Can

A huge part of getting your finances back on track properly is about making sure you’re making the most of every incoming payment available to you.

With so many people across the world struggling with a lack of work caused by the pandemic, it’s important to be aware of any possible financial aid available to you.

Most importantly, you should check if there are systems unique to your personal circumstances or line of work. There are businesses and charities with systems in place to provide or acquire support for everyone from professional actors unable to perform throughout the pandemic (such as Actors Fund) to retired veterans who have returned from tours with physical or invisible injuries and conditions (such as Vet Comp & Pen). Whatever line of work you are or were in, there will likely be some level of support available for you.

Likewise, you should start to consider how your talents could be put to good use to make that budget stretch a little further.

Side hustles such as running an Etsy store or becoming an online tutor become massively popular alternative revenue streams for out of work professionals during the height of lockdown. This is still a highly viable way of rebuilding your finances post-COVID. If you have a little bit of cash to invest, it can go a long way.

Have a Plan for Deferred Payments

Pandemic solutions have seen governments, banks, and landlords offering mortgage, loan, and rent deferrals to people who cannot pay them.

As things return to normal, people are going to need a plan to pay off these debts.

First, start by referring to the deferment terms so you know exactly what payment will be expected and if it can be broken up into installments. This will massively affect the overall structure of your budget.

These are perhaps the most important payments you’ll be making, as they concern your home, so make sure they’re priority number one post-COVID.

Start Saving Now

After all, any savings are good savings.

No one can be sure where we’ll be in six months or even a year. If we see another major spike across the world it could mean your finances take another hit and you need to dip into those rainy day funds to stay ahead.

Find the right savings account for you

Start working out a savings plan that works for you now. Don’t plan to give up everything you love for a year to get some extra cash, but, much like a budget, notice where you can cut back.

 Online banks and apps like Monzo and Chime are a great way to save within even realizing it. These apps allow you to set a monthly budget on different types of purchases, sending you alerts when you’re about to break them. So much of budgeting is about self-control and being across your financial situation, so why not take responsibility out of your hands?

Tips for Businessowners

Before we go, here are a few tips for small businessowners who may be worried about how they can secure their enterprise’s financial security as well as their personal one.

  • Find alternative revenue streams for your business. Is there a second service your business could offer to bring in some extra cash, such as gift wrapping for a small online store during the holiday period?
  • Make sure you’re not overspending on digital tools. They may have stepped up and helped us host meetings, manage teams, and schedule inspirational social content remotely, but are you paying a subscription fee for an app that doesn’t actually boost your business all that much?
  • Use freelancers rather than employing new staff. The freelance sector could really use a hand up right now, and freelancers present a cheaper, less permanent way for you to pick up lucrative contracts and projects without investing in hiring and training staff on permanent contracts.

It’s important to be realistic when financially planning for the end of COVID. We don’t know when that will be, and you can’t expect yourself to come out of this in better financial shape than you’ve ever been. That’s an unrealistic pressure.

Follow these tips and make sure you’re making the most of this period of reflection to ensure a healthy financial future for you and your loved ones.

Rodney Laws is an ecommerce consultant with EcommercePlatform.io. He has more than a decade of experience providing marketing advice to online entrepreneurs and businesses. He’s set up and marketed his own businesses and consulted on crafting campaigns for established companies.

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The post Getting Your Finances Back on Track Post-COVID appeared first on Credit.com.

Source: credit.com

How to Plan a Budget If Your Home Is a Fixer Upper

When your home is a fixer-upper, it can be difficult to even know where to start with a renovation. The list can be overwhelming—fix the patio, change out the mustard yellow carpet, buy furniture, paint the house. With a never-ending to-do list, planning a budget can seem virtually impossible.

By sorting through your list of wants and needs and focusing on essentials, you can outline a budget that won’t keep you up at night. Here are some tips on how to plan a budget for turning your fixer-upper into your first dream home.

How to Plan a Budget If Your Home is a Fixer Upper

1. Sort through the “wants” and “needs.”

Where do you even start with a renovation budget? With a limited fixer-upper budget, it’s essential to make functionality the first priority. When the roof is leaking and your fridge is dead, this is where the budget begins. First, determine what infrastructure items require repair or an essential upgrade, as these are typically big-ticket items. Next, focus on beautifying projects that will reap benefits in the long run, like bathrooms and kitchens. Hold off on budgeting fancy appliance upgrades and expensive decor if you already have working items—these can come at a later time after you take care of all the essentials.

How to Plan a Budget If Your Home is a Fixer Upper

2. Consider purchasing used over new.

Give your budget more flexibility by going for used over new with certain big-ticket items. Used appliances, for instance, can be found in great condition from other remodels or homeowners upgrading to the latest technology. Used furniture is also a fantastic way to keep your fixer-upper budget low. Don’t forget—sofas, vintage chairs, tables and more can be easily reupholstered and refinished. They’ll look brand new for just a fraction of the cost. 

How to Plan a Budget If Your Home is a Fixer Upper

3. Be ready to DIY with a gift card.

As a first-time buyer, there’s a 99 percent chance you’ll be diving into the realm of DIY. Learning one or many DIY skills will not only come in handy with home repairs in the future, but it’s a fantastic way to keep labor costs low. If you’re worried your DIY supply budget will get out of hand, however, shop with a gift card to your local hardware store. That way, you’ll always be working with a fixed amount of money and won’t be tempted to add on any expensive extras. It’s a guaranteed way to keep your budget in check.

How to Plan a Budget If Your Home is a Fixer Upper

4. Get creative.

Fixer-uppers are great hands-on projects, and creative solutions are key for keeping your budget in line. For items like cabinetry that may be in good condition but out of style, get creative with refinishes to bring new life into your space. Give your kitchen a fresh take by painting cabinets in a modern shade, or reface them for a whole new look without the added cost of all-new cabinetry. Replace hardware on cabinetry, furniture and built-ins to make your pieces feel brand new. Even outdated fireplaces, doors, furniture and windows can go a long way with a fresh coat of paint and new hardware. Consider this cheap alternative to help save room in your budget for the fun stuff.

How to Plan a Budget If Your Home is a Fixer Upper

5. Let the professionals help.

Whether you’re starting with the kitchen or diving into a full-scale remodel, don’t be afraid to seek professional help. No matter what your budget, a professional’s advice can help ensure that your renovation has as few hiccups as possible. City codes, minute details and hidden elements can wreak havoc on projects, so let a master guide you through those hurdles instead of trying to blindly tackle them yourself. Don’t let the potential price tag deter you from investing in having expert guidance—many architects and designers have options for paying an hourly rate. This is a great option, especially for fixer-upper and DIY projects, as it allows your plans to be looked over by professionals without the price tag of a full design scope. 

What are your must haves for your fixer-upper?
 
 
Kerrie Kelly is a California interior designer who has helped many young couples choose their “first-home-together” decor. Kerrie writes on her design experiences for The Home Depot, offering homeowners ways to save money without compromising design.
 

Source: quickanddirtytips.com

10 Risky Investments That Could Make You Lose Everything

If the stock market crashed again, would you respond by investing more? Is day trading your sport of choice? Do you smirk at the idea of keeping money in a savings account instead of investing it? If you answered yes to these questions, you’re probably an investor with a high risk tolerance. Hold up, Evel […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

How to Get the Best Deals From Bank of America?

Bank of America, like most banks, offer several bonuses, either from their credit cards, checking or savings accounts. These deals can be either cash rewards, bonus points, etc. For example, open this credit card then you get a $200 cash rewards bonus. In the past, if you refer a friend, Bank of America would pay you $50 referral bonus. But Bank of America has discontinued the referral bonus when you refer a friend.

SAVINGS ACCOUNTCIT Savings Builder – Earn 0.85% APY. Here’s how it works: Make at least a $100 minimum deposit every month. Or Maintain a minimum balance of $25k. Member FDIC. Click Here to Learn More.

Bank of America “refer a friend & cash rewards” bonus program

While Bank of America does not have a cash reward bonus when you refer a friend, there are cash rewards when you yourself get approved for a particular credit card.

Cash Rewards Credit Card:

  • Receive $200 cash rewards bonus after you make $1,000 in purchases in the first 90 days. Also, you get to choose how to collect your rewards.
  • Plus, earn 3% cash back when you shop for: gas, online shopping, drug stores, home improvements, dining or travel.
  • Get 2% cash back at grocery stores and wholesale clubs.
  • Earn unlimited 1% cash back on all other purchases.
  • No annual fee. Go to Bank of America’s homepage to take advantage of this credit card referral bonus.

Travel Rewards Credit Card

  • Earn 25,000 online bonus points when you make at least $1,000 in purchases in the first 90 days. You can redeem it for a $250 credit toward your travel purchases.
  • Earn unlimited 1.5 bonus points for every $1 spent on all purchases.

Bank of America Premium Rewards Credit Card.

Again Bank of America offers no referral bonus when you refer a friend, but this credit card has great deals and promotions.

  • 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn 2 points for every 1$ spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • Get $200 in travel statement credit.

Make sure you take a look at other Bank of America Promotions.

In conclusion, if you’re looking for a cash reward deal when you refer a friend to Bank of America, you will not find any at this time. But there are several credit cards with great cash rewards. For more cash back deals, rewards or future referral bonus programs and promotions, check Bank of America’s deals here. The site guarantees no coupons or promo codes. You just activate your deals and go.

Here are other popular Bank promotions deals!

  • CIT Bank Savings Builder Account. 0.85% APY. Maintain a minimum balance of $25k OR make at least $100 minimum deposit every month. FDIC insured. Read our review here.
  • CIT Bank Money Market Account – 1.00% APY. $100 minimum opening deposit. No monthly maintenance fee. FDIC insured.  Read our review here.

Speak with the Right Financial Advisor

If you have questions about your finances, you can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

*TOP CIT BANK PROMOTIONS*
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The post How to Get the Best Deals From Bank of America? appeared first on GrowthRapidly.

Source: growthrapidly.com

How to Get Rid of Mice in Your Apartment

Got mice?

If these pesky pests are in your apartment, we’ve got solutions. While it makes good sense to keep them out in the first place, we get it, stuff happens. The number one thing you should do is speak to your leasing office maintenance crew or landlord. Let them know you need pest control right away! Hopefully they will send in a professional company to rid you of the problem.

But you can also be proactive and takes steps to oust the intruders. You should know that mice live in groups. So, when you see one mouse, you probably have five, six or more squatters.

That’s a problem because mice can contaminate food and food preparation surfaces, which can lead to potential health issues.

Leave pesticides to the professionals

You might think that pesticides are the way to go to get rid of mice. But according to the Environmental Protection Agency (EPA), that’s only a good idea if you’re a pro. This is not a DIY project.

Improper use of pesticides could be toxic to both people and pets, and people with compromised immune systems can be especially vulnerable to improper use of pesticides.

Here’s what you can do to rid your home of furry unwanted irritants scurrying across the floor and more.

1. Use traps

If you’re not squeamish interacting with a dead mouse, then try the old-school method. Terminix recommends baiting the trap with peanut butter, bacon, chocolate, dried fruit or oatmeal. Another option is a glue trap.

Or, you can try something more modern. There are actually traps that use high voltage to shock the mouse. It might sound cruel, but since it happens quickly, there’s no suffering. How does it work? The bait station is in the back of the unit. The mouse enters the trap and triggers a sensor. That’s when a high voltage electric current electrocutes the mouse in seconds.

Alternatively, catch-and-release traps are a humane option. When you trap a mouse, you can release it far from where you live.

2. Seal-off floor and wall gaps

mouse hole

If you see an opening where wires and conduits are in your apartment, those could be road maps for vermin. Mice can enter a building or home through the smallest opening or crack.

Plug up even the tiniest holes, even the ones the size of a nickel! Mice commonly move through walls, ceilings, floors and even cabinets.

3. Your in-house mouser superheroes

The furry pet you want in your house just might solve your mouse problem. If they’re up for it. Your cat is your live-in pest control agent. Some dogs can take on the task of de-mousing with vigor, too.

Mice love pet food. So, if you leave it out for your pet, that’s likely where your cat or dog will find the pest, nibbling away on his or her food.

4. All-natural repellents

Here’s a natural way to repel the critters as a preventive measure from the start. There are various mice repellents on the market that contain no chemicals and are also pet-friendly.

Ingredients matter, so look for the ones that have peppermint essential oil or balsam fir oil. These specific fragrances cause mice to find the closest exit. Humane and effective, you can find this option as a spray repellent or in sachet or pouch form.

5. Keep food sealed in the pantry

sealed food

Mice are in search of food. If you have a mouse problem, be sure that your food is safely sealed. Keep it out of the sight or smell of any mouse traipsing through your house. This means investing in airtight food canisters.

If there’s a package that’s ripped or open, remember that annoying mice can squeeze into even the tiniest opening in a bag or box of food.

Don’t do it all yourself

To help keep mice out of your apartment, have a list of what needs to be done to have a mouse-free home. The EPA recommends that you check your plumbing. Cover gaps and seals around sills, sewer lines and other spots they could squeeze into.

Ask the maintenance team in your apartment complex to do the hard stuff. This includes using caulk, knitted copper mesh, steel wool or foam insulation to block access around pipe openings.

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], “step”: [{ “@type”: “HowToStep”, “name”: “Use traps”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/wall_with_vertical_garden.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step1”, “position”: “1”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”: “If you’re not squeamish interacting with a dead mouse, then try the old-school method. Terminix recommends baiting the trap with peanut butter, bacon, chocolate, dried fruit or oatmeal. Another option is a glue trap.

Or, you can try something more modern. There are actually traps that use high voltage to shock the mouse. It might sound cruel, but since it happens quickly, there’s no suffering. How does it work? The bait station is in the back of the unit. The mouse enters the trap and triggers a sensor. That’s when a high voltage electric current electrocutes the mouse in seconds.

Alternatively, catch-and-release traps are a humane option. When you trap a mouse, you can release it far from where you live.” } ]
}, { “@type”: “HowToStep”, “name”: “Seal off floor and wall traps”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse_hole.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step2”, “position”: “2”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”If you see an opening where wires and conduits are in your apartment, those could be road maps for vermin. Mice can enter a building or home through the smallest opening or crack. Plug up even the tiniest holes, even the ones the size of a nickel! Mice commonly move through walls, ceilings, floors and even cabinets.” } ]
},
{ “@type”: “HowToStep”, “name”: “Rely on your in-house mouser superheroes”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse_hole.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step3”, “position”: “3”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”The furry pet you want in your house just might solve your mouse problem. If they’re up for it. Your cat is your live-in pest control agent. Some dogs can take on the task of de-mousing with vigor, too.

Mice love pet food. So, if you leave it out for your pet, that’s likely where your cat or dog will find the pest, nibbling away on his or her food.” } ]
},
{ “@type”: “HowToStep”, “name”: “Use all-natural repellents”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse-1140×500.png”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step4”, “position”: “4”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”Here’s a natural way to repel the critters as a preventive measure from the start. There are various mice repellents on the market that contain no chemicals and are also pet-friendly. Ingredients matter, so look for the ones that have peppermint essential oil or balsam fir oil. These specific fragrances cause mice to find the closest exit. Humane and effective, you can find this option as a spray repellent or in sachet or pouch form.”
} ]
},
{ “@type”: “HowToStep”, “name”: “Keep food sealed in the pantry”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/food_containers.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step5”, “position”: “5”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”Mice are in search of food. If you have a mouse problem, be sure that your food is safely sealed. Keep it out of the sight or smell of any mouse traipsing through your house. This means investing in airtight food canisters.

If there’s a package that’s ripped or open, remember that annoying mice can squeeze into even the tiniest opening in a bag or box of food.”
} ]
}] }]}

The post How to Get Rid of Mice in Your Apartment appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

How to Throw a Bridal Shower on a Budget: A Guide for the Frugal Host

Between impressive floral arches and customized sugar cookies, throwing a picture-perfect bridal shower aimed at being a social media showstopper can be pricey.

CostHelper.com, a website that compares the cost of services, reports that a typical bridal shower can run from $15 to $40 per person for a luncheon or party in a private room at a mid-range restaurant. If you’re going all out with an elaborate bridal shower, you could be talking $40 to $150 or more (gasp!) per person. Even a small, elaborate bridal shower (think 15 guests) could cost between $600 and $2,250—and that’s before invitations, decorations and cake.

The good news is you can actually honor the bride and your budget at the same time. A bridal shower with simple refreshments at the host’s home, for example, can cost $10 to $15 or less per person, according to CostHelper.com. You just need to employ some creative tips for budget bridal showers to make the event more affordable.

What is the best way to plan a bridal shower on a budget? Follow these six tips as you prepare to shower the bride, and there’s a good chance you’ll have more fun and less financial stress:

1. Zero in on important goals

Before you even begin to plan a bridal shower on a budget, you need to know the goals upfront so you can understand where you should be investing your time and money. Sit down with the bride (or, if it’s a surprise, consult a friend or family member of the betrothed) and establish expectations and a budget to match.

Personal finance coach Emma Leigh Geiser shares her starting tip for budget bridal showers: “Plan an event that honors who the bride truly is and what you can provide, without sacrificing your financial well-being.”

Geiser, who helps women in their 20s and 30s with personal financial challenges, recommends learning what the bride envisions for her celebration and which traditions are most important to her. Be upfront about how much you can realistically afford to spend on the bridal shower, Geiser says. And don’t be shy about saying the bridal shower is your gift to the bride.

If the bride’s priority is to have her bridal shower at a high-priced restaurant, find creative ways to lower other costs to still plan a bridal shower on a budget. Bring your own cake to the venue, for example, exclude alcohol from the menu or keep the guest list small. If the bride is a foodie and wants guests to dine on gourmet dishes, you could spend most of the budget on a favorite caterer, but then consider hosting the event at someone’s home and doing minimal decor so budget isn’t needed elsewhere.

Finding out what's truly important to the bride can help you plan a bridal shower on a budget.

2. Delegate tasks

If you’re wondering how to throw a bridal shower on a budget, know that you don’t have to foot the entire cost of the party yourself. Consider co-hosting with the rest of the bridal party or one of the bride’s family members, or delegating specific tasks to willing volunteers.

When personal finance blogger Becky Beach had her bridal shower, catering was delegated to her sister-in-law. “She knows how to throw a bridal shower on a budget,” Beach says. Deputized to handle the food, her sister-in-law served inexpensive bites purchased from a wholesale club, including sausage-roll appetizers, crab cakes, apple crisp tartlets and cream puffs. (With this lineup, who needs a main meal?!)

Assigning smaller purchases to other bridesmaids and close family members is a good tip for budget bridal showers because it can make the overall cost of the event much more manageable for the host. For example, if you delegate tasks or items that cost $30 each to six people, you’ll save $180. Some popular responsibilities to dole out include:

  • Appetizers
  • Dessert
  • Drinks
  • Invitations
  • Favors
  • Games
  • Prizes for games

3. Let the theme choose you

You don’t have to necessarily come up with a theme first. Among the tips for budget bridal showers is to take inventory of what props or decorations are available to you for free. Do you know someone who threw a bridal shower and has leftover decor or favors? Perhaps a friend’s home decor items will fit the bill—like globes and vintage-inspired items, which can be transformed into an exotic travel theme.

If you're wondering how to throw a bridal shower on a budget, keep an eye out for decor items that can create a theme−not the other way around.

Even store clearance items can be repurposed to help dictate your theme’s direction. For example, a home decor or craft store might have steeply discounted artwork. The trick is to look past the art and focus on the frame, Beach says. Can you replace the artwork with a picture of the happy couple? Maybe you can remove the glass altogether, glue twine to the back and use it for hanging wedding wishes from the guests.

Learning how to throw a bridal shower on a budget becomes easier if you’re able to snag off-season items from a party or outdoor store—such as tiki lamps or beach house decorations—which could make for a wonderful fall island or Hawaiian theme.

When planning a bridal shower on a budget, don’t forget to ask friends and family members if you can borrow other party items, such as cake stands, vases and tablecloths. They might even have unopened gifts or stationery sets that you can use as prizes for games.

4. Do the invitations, games and decorations for less

Sending out mid-range traditional invitations by mail can cost $3 to $4 per guest, according to data from CostHelper.com. Invitation costs can add up quickly when you are trying to plan a bridal shower on a budget.

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“Plan an event that honors who the bride truly is and what you can provide, without sacrificing your financial well-being.”

– Emma Leigh Geiser, personal finance coach

If you’re open to skipping snail mail, you can leverage online invitation services that allow you to create your own designs and send to however many guests you’d like for free, Geiser says. You can easily save around $100 on invitations for a guest list of 30 by going the route of a free online invite. Some services may provide you templates to choose from, or they may include advertisements, but they do the trick nicely.

If you’re wondering how to throw a bridal shower on a budget and still keep guests entertained, search online for bridal shower games that can be printed for free or a nominal cost. You could also go the DIY route if you’re so inclined. For example, have guests try to guess what is in the bride’s purse—it’s even more fun if the bride doesn’t know this game will be played.

As far as decorating goes, focus your efforts on one area that will make the biggest impression. If the bridal shower is hosted in someone’s home, go all out decorating only one room. If the bridal shower is at a venue, like a restaurant, work on fancying up only one wall. Whether at a home or a venue, this area can serve as the focal point of the event and give the bride and guests the perfect spot for photos.

5. Make low-cost venues work

When you’re planning a bridal shower on a budget, opt for a low-cost venue that has built-in unique characteristics. “Choose a space that is its own fantastic backdrop,” Geiser says. She recommends a house with natural light and great landscaping in order to cut down on decorating costs.

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Hosting the party at a bride’s friend’s or family member’s home is ideal, since it would be free. “We all know at least one person who has a killer house; ask them if they wouldn’t mind hosting,” Geiser says. (Be sure to preview the site in advance of the bridal shower.) Another good choice: Apartment buildings and condos often have clubhouses or event rooms that can be used for free or rented for a nominal fee. See if any of your bride’s family or friends have access to these areas.

Other local resources can serve as low-cost venues when you’re working on how to throw a bridal shower on a budget. A park, for example, might have a nice garden or even an indoor space that could be used. Research your town’s online municipal pages for tips on how to secure local venues. Some sites might require a nominal fee, early bookings or have other restrictions, so work on booking a space as soon as you have a bridal shower date in mind.

6. Cut food costs by keeping things simple

Whether you are hosting the bridal shower at a restaurant or at someone’s home, schedule a morning brunch or appetizers and salads in the late afternoon when guests are in-between meals. Breakfast dishes, such as an egg casserole or French toast bake, can often cost less to make than a meat-centered entree, Beach adds.

Keeping food simple is a great tip when you're trying to plan a bridal shower on a budget.

If you are in charge of preparing food, stick with quick and easy options as a tip for budget bridal showers. “You don’t have to cook and create everything yourself,” Beach says. “There are so many beautifully crafted hors d’oeuvres you can get prepackaged.”

If you are hosting the bridal shower at a restaurant, ask if they offer a buffet option instead of sit-down catering: Choosing a buffet meal is typically about 30 to 50 percent cheaper than a sit-down meal, according to Eventective, which helps you find venues and event services.

If you’ve got your heart set on sit-down dining, narrow down the menu options in advance. You or the restaurant can make a simple printout of a few entree choices and not share full menus with guests. (Adding the bride’s name to the top of a personalized menu is also a nice touch.) In addition to being a tip for budget bridal showers, this strategy can also streamline the ordering and serving process so you have more time for games and opening gifts. Win-win!

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Choosing a buffet meal is typically about 30 to 50 percent cheaper than a sit-down meal.

– Eventective, special event and venue services

Keep track of the expenses when planning a bridal shower on a budget

You can master how to throw a bridal shower on a budget if you determine the guest-of-honor’s goals from the start. Another tip to remember when you plan a bridal shower on a budget is to track your expenses throughout the planning and hosting process to make sure you’re staying on budget.

If you are splitting costs with friends and family, remember to get reimbursed—preferably before the event, so you don’t have to worry about tracking people down to talk about business while celebrating.

As Geiser says, “What actually makes the event are the attendees, the conversation and the fun you create as a group celebrating the bride.”

The post How to Throw a Bridal Shower on a Budget: A Guide for the Frugal Host appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com