Tag: summer

How To Budget for a Staycation

The post How To Budget for a Staycation appeared first on Penny Pinchin' Mom.

budget for a staycation

Whether you’re dreaming of an hour-long massage or lazy days lounging under the summer sun, you’ll want to budget wisely for your staycation. After all, you’ve worked hard for this well-deserved treat, and the last thing you want is for your savings account to plummet just when you’ve begun to relax. (Overspending can also tank your credit if you can’t pay those credit card bills. You can see how your spending is impacting your credit by viewing two of your scores for free on Credit.com.)

To avoid a staggering credit card bill, here’s how to budget for your staycation, no matter what you’ve got in mind.

Be Realistic 

A whimsical tour through New York City, with stops on Broadway, in SoHo and at Bloomingdale’s, probably isn’t in the cards on a waiter’s budget. Be realistic and do your research so you have a solid idea of what you can afford.

 

Draft a Budget

Just because you’re staying home doesn’t mean you won’t spend money. So it’s a good idea to figure out how much you can comfortably set aside after you’ve covered your monthly expenses. Is it $500? $1,000? More? Whatever it is, remember monthly payments like rent and utilities are a necessity, while your staycation budget isn’t.

Read more:  How to Create a Workable Budget

 

Make a Plan 

More than anything, the secret to drafting a great budget is knowing what it will cover. If you’re planning to play tourist, checking out concerts and staying nearby, research those individual costs and factor them into your budget. Go online, see what’s exciting and make a list of what you’d like to do. Once you’ve narrowed it down, you can decide what makes the most sense based on your budget.

 

Set a Daily Cash Allowance 

Once you’ve narrowed down how much money you can spend, it can be helpful to set a daily allowance for meals, snacks and planned-out activities. Experts recommend inflating the number just a bit to account for unforeseen costs like impulse purchases and emergencies. As your staycation draws closer and your plans change, rework your budget accordingly.

Read More:  How to Make a Cash Budget Work For You

 

Get Creative 

Sometimes, meeting your vacation goals takes a bit of creativity. To that end, find ways to cut back your regular spending, even if you haven’t given it much thought before. Holding off on those lattes or 3 p.m. snacks may just be the thing that allows you to visit the fancy restaurant you’ve been dying to try.

 

More from Credit.com

  • Tips for Improving Your Credit: Your Amount of Debt

This article originally appeared on Credit.com.

More by Jill Krasny

The post How To Budget for a Staycation appeared first on Penny Pinchin' Mom.

Source: pennypinchinmom.com

Spring + Summer Recipes to Fill Your Instagram Feed

SUMMER-RECIPES-TOO-PRETTY-TO-EAT

It’s officially May and that means summer is just around the corner!!  While a lot of things have changed this year, my love of summer remains!  Bring on the warm weather…am I right?  Along with sundresses and sunglasses comes a whole bunch of fresh fruits and vegetables I can’t wait to get my hands on.  The delicious recipes below from some of my favorite bloggers will all be in heavy rotation for the next month.  If you need a refreshing cocktail to go along with these delicious bites, bookmark these summer cocktails for your next read.

SUMMER PEACH BALSAMIC CAPRESE SALAD

Make-Ahead Recipes | Meal Prep Guide | One-Pot Tomato, Chickpea, and Orzo Pasta
via Whole and Heavenly Oven

GET THE RECIPE

STRIPED JUICE POPSICLES

Make-Ahead Recipes | Meal Prep Guide | Slow Cooker Butter Bean Minestrone
via The View From Great Island

GET THE RECIPE

TOMATO, PEACH, & BURRATA SALAD

Make-Ahead Recipes | Meal Prep Guide | Cucumber Quinoa Salad
via Two Peas & Their Pod

GET THE RECIPE

STRAWBERRY GOAT CHEESE CROSTINI

Make-Ahead Recipes | Meal Prep Guide | Winter Kale Salad
via Foodess

GET THE RECIPE

BAKED RATATOUILLE TIAN

Make-Ahead Recipes | Meal Prep Guide | Pizza Pasta Salad
via KELLIES FOOD TO GLOW

GET THE RECIPE

SUMMER FRUIT BREAKFAST BAKE

Make-Ahead Recipes | Meal Prep Guide | Rustic Polenta Casserole
via Eazy Peazy Mealz

GET THE RECIPE

BLUEBERRY BREAD PUDDING

Make-Ahead Recipes | Meal Prep Guide | Enchilada Stuffed Sweet Potatoes
via Spicy Southern Kitchen

GET THE RECIPE

Read Spring + Summer Recipes to Fill Your Instagram Feed on Apartminty.

Source: blog.apartminty.com

A September State of Mind

Hi friends. So sorry to go completely MIA on you. Between attempting online school with a five-year-old, much of California burning to the ground, and the general state total chaos in which we find ourselves, getting to the computer for any length of time has been a bit of challenge, to put it mildly. And then I blinked and summer is officially over.

But I had to finally get on here as I have big news for you!

They say you shouldn’t make major life decisions during times of extreme stress, right? Well, we decided to throw all caution to the wind and instead have purchased a coastal cottage in Washington State! Apparently a global pandemic, homeschooling a kindergartner and the most consequential presidential election of our lifetime wasn’t enough to keep me busy.

coastal cottage mood board on Apartment 34

In all seriousness, if the past seven months of Covid have taught us anything, it’s the importance of friends and family and so we decided to create a gathering place that can bring together those we love most for years to come. Nestled within the myriad of inlets and islands that dot the Puget Sound north of Seattle, the cottage enjoys sweeping views of the Olympic mountains and Hood Canal. I consider it my official respite from the impending doom. Sadly it looks nothing like the inspiration images I’ve collected here.

Instead, it is going to take a LOT of work to get our little coastal cottage visitor ready – and in a very short period of time. Over the coming weeks, I plan to take you along on the entire design journey. I will be sharing everything with you – from the cottage’s current state, to all of my design inspiration and through the remodel process. If all goes according to plan, I’ll share a major before and after reveal in time to spend the holiday season with our family rather than more than 800 miles away.

coastal cottage mood board on Apartment 34

Trust me, we’re going to have plenty to discuss, as I have to pick an entire household’s worth of things – from paint colors and kitchen cabinets down to dishware, bedding and everything in between. No design decision will be left unturned. It’s both exhilarating and incredibly daunting. These mood boards are just part my first ideation session for my dream vibe.

I’m hopeful sharing this process with you will offer you some fresh design ideas and positive inspiration as we all hunker down to weather what will undoubtedly be a stormy fall – be it literally or just politically. It’s been a rather dark year and I feel like this might be a way to share a little bit of light. I know I am very happy for the creative distraction. I hope you are too.

I can’t wait to share more very soon!

The post A September State of Mind appeared first on Apartment34.

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Source: apartment34.com

Say Farewell to Shag Carpet—Family Tackles 1970s Time Capsule Makeover

Jacksons Time CapsuleDustin McKibben

A Florida family has embarked on a wild ride to bring a 1970s time capsule in Indiana into the 21st century.

On a whim, they bought a vintage gem in Fort Wayne, IN, covered top to bottom in shag carpet, after seeing it online. It was our most popular home of the week in early December and garnered hundreds of thousands of views—the Jackson family among them.

How the time capsule was won

“So we weren’t actually looking for a home to buy,” says Alysha Jackson, who lives in Clermont, FL, with her husband, Nate, two toddlers, and a rescue dog, Ingrid.

“We have a home there and we love it,” she says. “We had talked about getting into real estate one day, but it wasn’t really on our radar yet. Then this house went viral.”

Nate saw the house online and came in with his computer to show the listing to Alysha.

“He’s like, ‘Hey, don’t shut this down right away, but what if we put in an offer on this house?’” she says.

“Usually, I’m the skeptical one, but I just looked at it and had this gut feeling, and I said, ‘You know what? I actually love it. Let’s put in an offer.’”

Interior of home in Fort Wayne, IN

Dustin McKibben

Interior

Dustin McKibben

Bathroom

Dustin McKibben

Like everyone who laid eyes on the photos, Nate and Alysha first spotted the colorful carpet. The deep shag is hard to miss: It’s everywhere, even on some of the walls.

Alysha says her first reaction was: “Whoa, that’s a lot of shag carpet!” Then, she noticed how much potential the house had.

“I kind of envisioned what it could look like with some renovating,” she says. “We’re staying thing true to the vibe of it and the time period, but we have to update it.”

Aftermath of Christmas

Jackson family

Door

Dustin McKibben

Jackson family

Dustin McKibben

The Jacksons journey back in time

Just a few weeks after putting in their offer, the two former teachers, who now sell on Amazon, packed up their family minivan (including Christmas presents) and headed north. Their work offers them the freedom to work where they choose.

Since then, the family has been living bare-bones in the house, with just a few mattresses and other essential items. They have decided to live in the home as is for a while.

___

Watch: Listing Agents Answer Our Burning Questions About the ‘Silence of the Lambs’ House

___

“We wanted to just stay in it a little while before changing anything, because we just wanted to get a feel for the house before we just came in and made sweeping changes,” Alysha Jackson explains.

“I’m so glad we did, because we actually changed a lot of our designs based upon actually living in the home for a little bit first.”

Most importantly, they staged a 1970s-style photo shoot.

Interior

Dustin McKibben

Enjoying the view

Jackson family

Even Ingrid, the dog, seems to have settled in.

“She has a spot in the house where she can see the entire yard, thanks to the surrounding sliding doors and windows,” Jackson says.

“Ingrid was so sad when she saw us packing the van for our trip here, but literally jumped up and down when we got the leash out and she realized she was coming with us on the trip.”

Kitchen

Dustin McKibben

Kitchen

Dustin McKibben

Kitchen

Dustin McKibben

The former owner of the house, James Sherbondy, a retired architect, designed the home as his family’s personal residence. It was occupied until just a few months ago, so everything inside was in working order.

“We walked in, brought in our stuff, and used the fridge. The bathrooms were functional. It was pretty great,” Jackson says.

Everything in the kitchen works, and the cabinets are in good shape. However, the layout may not work for the family, she adds.

Lower level

Dustin McKibben

Lower level

Dustin McKibben

Lower-level bathroom

Dustin McKibben

Lower-level bathroom

Dustin McKibben

The family made some immediate changes for safety reasons and are currently living on the lower level. They’re tackling that and the main level first, and leaving the upstairs master bedroom and bathroom for last.

A bathroom with green counters and blue sink will ultimately meet its demise, but the Jack-and-Jill style entry is staying.

“The more we see, the more we want to keep, which is kind of funny,” Alysha says. “Before, we didn’t really know too much about ’70s style, and we didn’t know too much about midcentury modern even. But the more I talk with people and more research I do on my own, the more I see the beauty and the value in it, and so I want to keep that style in the home.”

Stairs

Dustin McKibben

Toddler-proof stairs

Dustin McKibben

The Jacksons have sought input from a number of experts on the Instagram account they started for their rehab project. They had hopes of reaching 10,000 followers by the summer. As of now, they’ve blown past their goal and have over 30,000 folks tracking the renovation journey.

“I just love sharing projects with people. When we did a ’70s photo shoot, we thought it would be really fun to share these. We had no idea it would go viral as quickly as it did,” Jackson says. “It’s been really fun to share what we’re doing with people, and we’ve gotten so much great input.”

Lower level

Dustin McKibben

Lower level

Dustin McKibben

The carpet can’t stay

Sadly, for lovers of colorful floor coverings, the carpet is one of the first things that’s going to go.

“There’s literally carpet in every single room, including the bathrooms. It’s everywhere and it’s 50 years old. From what we know, it is original to the home,” Jackson says.

She added that there are stains in several places, and it doesn’t smell particularly great, especially in the bathrooms.

Eventually, there will be new flooring in many of the rooms and tile in the bathrooms. But the carpet won’t vanish completely.

“I am going to be making an art piece of the different carpet colors,” she says. “There’s about four or five different colors in the home, and we just want to keep a piece of each. I’m going to cut some out from each color—deep-clean it, of course—and then create some sort of art piece with it to hang in the house on the wall.”

Master bathroom

Dustin McKibben

Master bathroom

Dustin McKibben

People on social media had a lot to say about the carpet-bedecked bathtub in the master bedroom. The tub has purple tile and no curtain. For now, it’s the only bathtub in the house, so the kids need to take their baths there.

Jackson says the tub is super clean, but the trick for the couple is to keep the children from enjoying their time on the floor.

“To them, it’s like a big towel,” she adds. The first time their son took a bath, she says, “He got out of the tub and started rolling on the shag carpet.”

Fireplace

Other modifications on the way

Back on the main level, the dramatic floor-to-ceiling fireplace will stay—but with some modifications for safety.

Wood paneling and accents

Dustin McKibben

Some of the wood paneling and carved accents throughout the house will also remain.

“I stare at the wood every day. I think that’s maybe my favorite part of the house,” Jackson says.

Some people on Instagram say the carved wood might be by an artist named Ackerman, and the Jacksons are trying to verify that.

“It’s the first thing you see when you walk in the home on the door,” Alysha says.

Work time

Jackson family

Life outside the box

The Jacksons rehabbed their Florida house, so a huge project isn’t entirely new for them and they have some family support nearby. Both Alysha and Nate are from Indiana, and much of their family still lives there. While some close to them were surprised by the somewhat impulsive purchase, they weren’t shocked.

“We kind of joke with people that Nate and I are ‘Go big or go home’ people. We kind of live life outside the box, so they were excited for us,” Jackson says.

Some relatives thought they were crazy, she adds, but changed their minds when they saw how beautiful the home is—and they’re especially excited that the family will be closer to them.

For now, the family plans to split time between the two homes and rent the other one as a vacation rental.

We’ll be tracking the process of this time capsule transformation and can’t wait to see what’s next.

View this post on Instagram

A post shared by Alysha and Nate Jackson (@thejacksonfi)

The post Say Farewell to Shag Carpet—Family Tackles 1970s Time Capsule Makeover appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com

Employment Resources: Five Steps for Finding a New Job

A woman reads various employment resources and books at a large white desk in front of a window.

The Congressional Budget Office believes the unemployment rate will hit 16% during the summer of 2020 due to the impact of the coronavirus. With so many people on the hunt for a new job, landing an interview and getting hired is going to prove difficult for many. But the truth is that getting a new job isn’t always easy even in the best of times, which is why using all possible employment resources is important.

Follow these five steps to leverage employment resources to help make your job hunt success more likely.

1. Set Yourself Apart with New Skills

If you find yourself unemployed for any reason—especially during an economic downturn such as the one related to the COVID-19 pandemic—you might not be able to find a job right away. It’s a good idea to turn to unemployment benefits if you qualify to help you cover expenses while you hunt for a new job.

Then, consider finding ways to make yourself
more attractive to potential employers. During times when the unemployment
numbers are particularly high, you can bet that your resume is going to be
competing with many others. If you’re able to demonstrate a skill that others
don’t have, you can set yourself apart during the application process.

Consider using your time during unemployment to learn skills that complement your existing ones—especially if other people with similar education and experience backgrounds might not have those skills. One way you can do this is to sign up for online courses through a service like Coursera. You can add skills such as data analytics, coding languages, spreadsheet use, or business analytics to your resume.

Learn New Skills with Coursera

2. Add Your Skills to a Well-Rounded, Engaging Resume

Once you have those new skills, you need to find the best way to work them into your resume. If you’re looking for a job at the same time everyone else is, your resume must be high-quality and engaging to capture the attention of hiring managers. But it also has to have all the right words and phrases to get past applicant screening software. That’s technology many employers use to filters out resumes that don’t meet the job qualifications.

Balancing all of that within a short document that must also convey your education, experience and passion for the job can be daunting. Many people turn to online templates to help them create a resume. But that tactic can leave your document looking exactly like everyone else’s. Instead, you might consider using a resume service such as Monster.com to ensure your resume is as powerful as possible.

Improve Your Resume with Monster

3. Upload Your Resume to a Job Site

Armed with new skills and a killer resume, you next need to put yourself out into the job market in effective ways. Consider uploading your resume to a site such as ZipRecruiter. ZipRecruiter lets you search for job openings by region, niche or keyword. You can apply directly for open positions, but you can also upload your professionally written resume so recruiters and headhunters can find you.

Find a New Job on ZipRecruiter

4. Use Networking Resources

Letting people know that you’re looking for a job is a critical step in finding out about as many options as possible. Uploading your resume on ZipRecruiter is a great step, but don’t forget to let friends and family know you’re looking. Sign up for LinkedIn and post on your other social networks that you’re on the job hunt. You never know when someone in your circle will know about a job that hasn’t been posted yet.

5. Don’t Give Up

Getting a new job can be hard, especially if you really want to hold out for something that you’re passionate about or works with your lifestyle. If you’re looking for a job during the COVID-19 pandemic, consider some ways to make money while you’re waiting for the right position to open up. And even in good economic times, don’t expect a job to fall into your lap the second you put your resume out there. Modern hiring processes are complex, and it can take time even if a company is interested in your resume.

Find Your Next Job

Whether you’re a new grad just entering the job market, a seasoned vet looking to make a change, or someone who has lost their job due to economic issues, hunting for work can be stressful. Make sure that you’re using all the employment resources available to you as you work to find a new job.

And if you’re dealing with financial struggles related to COVID-19, check out our coronavirus resources to learn more about assistance options that might be available to you while you’re looking for employment.

The post Employment Resources: Five Steps for Finding a New Job appeared first on Credit.com.

Source: credit.com

Ask the Readers: What Are Your Goals for 2020?

Woman writing down goals for 2020

Happy New Year! With the fresh new year ahead of us, now is the perfect time to take stock of your goals for 2020.

What are your goals for 2020? Why these goals? What steps will you be taking to achieve these goals?

Tell us about about your goals for 2020 and we’ll enter you in a drawing to win a $20 Amazon Gift Card!

Win 1 of 3 $20 Amazon Gift Cards

We’re doing three giveaways — here’s how you can win:

  • Follow us on Twitter
  • Tweet about our giveaway for an entry.
  • Visit our Facebook page for an entry.
  • Follow @janetonthemoney on Twitter.

Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:

a Rafflecopter giveaway

Giveaway Rules:

  • Contest ends Monday, January 6th at 11:59 p.m. Pacific. Winners will be announced after January 6th on the original post. Winners will also be contacted via email.
     
  • This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.
     
  • You must be 18 and U.S. resident to enter. Void where prohibited.

Good Luck!

Tell us about about your goals for 2020 and we'll enter you in a drawing to win a $20 Amazon Gift Card!


Source: feeds.killeraces.com

Why UGMA/UTMA Accounts Are the Perfect Holiday Gift

If you have a special child in your life, you may be wondering what to put under the tree this year. One long-lasting and truly meaningful way to show the child in your life that you care is by taking a few minutes to set up a UGMA/UTMA account and give them a leg up in life.

The earlier you open a UGMA or UTMA account for a child, the longer your initial gift has to grow, thanks to the magic of compound interest. For example, investing just $5 a day from birth at an 8% return could make that child a millionaire by the age of 50. By setting up a UGMA/UTMA account, you’re really giving your beneficiary a present that grows all year round. Now, that’s a gift they’re sure to remember!

What is a UGMA/UTMA account?

UGMA is an abbreviation for the Uniform Gifts to Minors Act. And UTMA stands for Uniform Transfers to Minors Act. Both UGMA and UTMA accounts are custodial accounts created for the benefit of a minor (or beneficiary).

The money in a UGMA/UTMA account can be used for educational expenses (like college tuition), along with anything that benefits the child – including housing, transportation, technology, and more. On the other hand, 529 plans can only be used for qualified educational expenses, like summer camps, school uniforms, or private school tuition and fees.

 

It’s important to keep in mind that you cannot use UGMA/UTMA funds to provide the child with items that parents or guardians would be reasonably expected to provide, such as food, shelter, and clothing. Another important point is that when you set up a UGMA/UTMA account, the money is irrevocably transferred to the child, meaning it cannot be returned to the donor.

 

Tax advantages of a UGMA/UTMA account

The contributions you make to a UGMA/UTMA account are not tax-deductible in the year that you make the contribution, and they are subject to gift tax limits. The income that you receive each year from the UGMA/UTMA account does have special tax advantages when compared to income that you would get in a traditional investment account, making it a great tax-advantaged option for you to invest in the child you love.

 

Here’s how that works. In 2020, the first $1,100 of investment income earned in a UGMA/UTMA account may be claimed on the custodian’s’ tax return, tax free. The next $1,100 is then taxed at the child’s (usually much lower) tax rate. Any income in excess of those amounts must be claimed at the custodian’s regular tax rate.

A few things to be aware of with UGMA/UTMA accounts

While there’s no doubt that UGMA/UTMA accounts have several advantages and a place in your overall financial portfolio, there are a few things to consider before you open up a UGMA/UTMA account:

 

  • When the child reaches the age of majority (usually 18 or 21, depending on the specifics of the plan), the money is theirs, without restriction.
  • When the UGMA/UTMA funds are released, they are factored into the minor’s assets.
  • The value of these assets will factor into the minor’s financial aid calculations, and may play a big role in determining if they qualify for certain programs, such as SSDI and Medicaid.

Where you can open a UGMA/UTMA account

Many financial services companies and brokerages offer UGMA or UTMA accounts. One option is the Acorns Early program from Acorns. Acorns Early is a UGMA/UTMA account that is included with the Acorns Family plan, which costs $5 / month. Acorns Early takes 5 minutes to set up, and you can add multiple kids at no extra charge. The Acorns Family plan also includes  Acorns Invest, Later, and Spend so you can manage all of the family’s finances, from one easy app.

 

During a time where many of us are laying low this holiday season due to COVID-19, remember that presents don’t just need to be a material possession your loved one unwraps, and then often forgets about. Give the gift of lasting impact through a UGMA/UTMA account.

The post Why UGMA/UTMA Accounts Are the Perfect Holiday Gift appeared first on MintLife Blog.

Source: mint.intuit.com