Author:

Home/

47 of the Best Tips to an Organized Home: Room by Room

Creating an organized home goes beyond mere aesthetics. It’s about crafting an environment that fosters efficiency, reduces stress, and boosts your overall well-being. A cluttered and chaotic home can negatively impact both your physical and mental health, whereas a well-organized space enhances productivity, promotes calmness, and allows you to fully enjoy your living areas.

Achieve a well-organized home with these 35 expert-approved tips. Learn how to declutter, create storage solutions, and establish effective cleaning routines for every room in your house.

Here’s why an organized home is crucial and how you can achieve it with 47 practical tips:

The Importance of an Organized Home

1. Enhances Well-being: A tidy environment promotes mental clarity and reduces stress. It provides a sanctuary where your mind can relax and focus.

2. Saves Time and Energy: With everything in its rightful place, you spend less time searching for items, making your daily routines more efficient.

3. Boosts Productivity: An orderly home sets the stage for higher productivity by minimizing distractions.

4. Promotes Hospitality: A neat space is welcoming and makes you more likely to host friends and family, fostering stronger social connections.

Comprehensive Tips for an Organized Home

Decluttering Strategies

  • Start Fresh: Begin by emptying the area you want to organize. This allows you to see the space anew and make rational decisions about what should go back.
  • Categorize: Group items based on function, usage frequency, or sentimental value. This systematization helps in making quick decisions about where things should go.
  • Triaging Items: Adopt the “Keep, Donate, Discard” method to stream
  • line your possessions. This approach encourages you to critically assess the utility and emotional value of each item.

Efficient Storage Solutions

  • Use Clear Containers: Opt for transparent storage bins that allow you to see their contents without needing to open them. This is particularly useful for rarely used items.
  • Maximize Unused Spaces: Look for storage opportunities in underutilized areas such as under the bed, over the door, or high shelves. These spaces are perfect for storing seasonal items or equipment.
  • Vertical Storage: Leverage walls by installing shelves and hooks. This not only keeps items off the floor but also makes them more accessible.

Daily Cleaning Routine

  • Quick Clean-Ups: Dedicate a few minutes each day to tidying up. This could be as simple as making the bed or putting dishes away.
  • Scheduled Decluttering: Set aside time each week to go through different areas of your home, preventing clutter from building up.
  • Involve the Family: Assign tasks to family members based on their abilities and interests. This not only lightens your load but also teaches responsibility.

Targeted Organizing Tips by Area

Kitchen

  • Pantry Perfection: Regularly check for expired items, group similar items together, and use clear containers for bulk goods. This makes it easier to keep track of what you have and what needs restocking.
  • Strategic Storage: Arrange cabinets and drawers to place frequently used items within easy reach. Use organizers and dividers to maintain order within drawers.

Bedroom

  • Wardrobe Wisdom: Regularly cull your wardrobe, donating or discarding items you no longer wear. Arrange the remaining clothing by type or color, which simplifies finding what you need.
  • Essentials at Hand: Equip your bedside with organizers or trays to hold daily essentials like your phone, glasses, and keys.

Looking to bring order to your home? Explore our comprehensive list of 35 actionable tips for organizing your space. Say goodbye to clutter and hello to a harmonious environment.

Bathroom

  • Streamline Essentials: Keep only the toiletries you use daily accessible, storing away less frequently used items. Regularly discard expired products to keep your space fresh and usable.
  • Organizer Use: Utilize drawer organizers to separate personal care items, keeping countertops clear and everything within easy reach.

Living Room

  • Minimize Surface Clutter: Use decorative storage options like baskets and trays to corral remote controls, magazines, and other small items that typically clutter coffee tables and side tables.
  • Electronics Organization: Manage cord clutter by employing cable organizers and ensuring that all electronics have a designated storage space.

Home Office

  • Desk Declutter: Keep your workspace clear of unnecessary items. Use desk organizers for small office supplies and ensure that every item has a designated place.
  • Efficient Filing: Organize important documents using a system that works for you, whether it’s physical folders or a digital filing system. Label everything clearly to avoid confusion.

Garage

  • Zone Organization: Create specific zones for tools, gardening supplies, sports equipment, and holiday decorations. This makes it easier to find what you need and keeps related items together.
  • Wall Storage: Install pegboards, hooks, or shelving units to maximize vertical space and keep the floor clear for safer and more efficient use of the space.

Maintenance Tips

  • Consistent Cleaning: Establish a weekly cleaning routine that covers all areas of the home. This prevents any one area from becoming too burdensome to manage.
  • Ongoing Decluttering: Regularly evaluate your possessions to discard those that no longer serve a purpose. This is essential to maintaining an organized home.
  • Label Everything: Use labels to mark storage bins, shelves, and drawers. This simple step saves time and frustration by making it easy to find what you need quickly.

By adopting these 47 tips, you can transform your home into a more organized, peaceful, and functional space. Start small, focusing on one area at a time, and gradually incorporate these practices into your routine. Consistency is key to maintaining the systems you set up, helping you achieve and enjoy an organized home.

 

 

Making Money/

How I Make $1000+month Tutoring Less than 8 Hours a Week

Earning extra money doesn’t have to be daunting. Many people shy away from side hustles because they assume these ventures require the same time and effort as a part-time job. However, the reality is that cultivating an additional income stream is not just beneficial; in today’s economy, it’s often necessary.

Having extra money can make a significant difference. It can help cover monthly bills, reduce debt, and save for future goals. While my primary business is online, I’ve also embraced a profitable side hustle that aligns perfectly with my background and skills: tutoring.

As a former elementary school teacher, transitioning into tutoring was a seamless move. Leveraging my teaching experience, I’ve been able to generate over $1000 a month by helping students excel academically.

Here’s how you can do the same:

Identify Your Niche

Start by assessing your skills and knowledge. What subjects are you proficient in? Do you excel in math, science, languages, or perhaps a specific test like the SAT or ACT? Identifying your niche is the first step towards creating a targeted tutoring service.

Set Up Your Tutoring Business

Decide whether you’ll operate online, in-person, or a hybrid of both. Online tutoring has the advantage of reaching a broader audience without geographical constraints. Utilize platforms like Zoom or Google Meet for sessions, and manage bookings through a simple website or tutoring platforms.

Market Your Services

Create a compelling profile highlighting your qualifications and successes as an educator. Use social media, local community boards, and word-of-mouth to promote your tutoring services. Tailor your advertising to target the parents of school-age children or adult learners seeking to enhance their skills.

Pricing Your Services

Determine your pricing based on your expertise, the subject matter, and local or online market rates. Offering package deals or discounted rates for multiple sessions can attract more clients and increase your monthly income.

Provide Exceptional Value

The key to a successful tutoring business is not just in understanding the subject but in how you teach it. Develop personalized learning plans, provide additional resources, and maintain a flexible scheduling system. Your goal is to not only improve your students’ grades but also their overall learning enthusiasm and confidence.

Expand and Scale

As you establish a steady client base, consider expanding your services. Hire other tutors, add more subjects, or even create online courses or workshops for groups. Scaling your business can significantly increase your revenue and impact.

By following these steps, you can turn tutoring into a lucrative side hustle that not only benefits your financial situation but also enriches your personal and professional life. Remember, the key to success in any side hustle is to leverage what you already know and deliver it in a way that meets the needs of your market.

Saving Money/

How to Take Care of Your Pet on a Budget

Comprehensive Guide to Budget-Friendly Pet Care

Owning a pet is a rewarding experience, but it can also be quite costly. Understanding and managing the costs effectively can ensure your pet lives a happy, healthy life without breaking the bank. Here’s an in-depth guide to caring for a pet on a budget, complete with tips and strategies to save money.

Understanding Pet Costs

Initial Costs

The initial purchase or adoption fee for a pet varies widely based on the breed, age, and where you acquire them. Puppies and kittens generally cost more than adult dogs and cats due to their popularity and the additional vaccinations they need early on.

Ongoing Expenses

Owning a pet involves various ongoing expenses such as food, toys, grooming, and health care. These costs can add up quickly, especially as your pet ages or if they have special needs.

Veterinary Care

Regular veterinary care is crucial. An annual check-up is essential for maintaining your pet’s health and can help catch issues early, potentially saving you money on expensive treatments later. This includes vaccinations, dental care, and routine screenings.

Cost-Saving Strategies

Research Before Buying

Before bringing a pet home, research the breed’s specific needs and common health issues. This can help you prepare for any potential costs.

Spay or Neuter Your Pet

Getting your pet spayed or neutered can prevent health issues and unwanted litters, which can be costly.

Choose Quality, Affordable Pet Food

Invest in high-quality pet food that fits your budget. This can reduce health problems and vet visits down the line.

Preventative Health Care

Stay proactive with preventative care. Regular dental cleanings, flea and tick prevention, and heartworm medication are essential and can prevent more severe health issues.

Use Low-Cost Vet Services

Look for low-cost services offered by local shelters or humane societies. Many offer discounted rates on vaccinations and spay/neuter services.

Pet Insurance

Consider purchasing pet insurance to cover unexpected medical expenses. Compare plans and choose one that fits your budget and your pet’s needs.

Home Grooming

Learn to groom your pet at home to save on professional grooming costs. YouTube and other online resources offer tutorials on how to safely groom different breeds.

Buy Meds Online

Purchase medications online or from discount pharmacies to save on prescriptions. Websites like 1800PetMeds often offer significant savings on routine medication.

I used to take my dog to a professional groomer until an unfortunate incident led to an expensive vet visit. Now, I groom him at home, ensuring his safety and saving money. Additionally, setting aside money for pet care has helped me manage unexpected expenses, like when my dog needed surgery after an altercation with another dog.

Additional Tips

  • Create a Pet Budget: Keep track of all pet-related expenses to help manage your finances better.
  • Emergency Fund: Set aside a small amount regularly into a pet emergency fund.
  • Adopt, Don’t Shop: Consider adopting a pet from a shelter to save on initial costs and give a home to a pet in need.

By adopting these strategies, you can enjoy the companionship of your pet without it becoming a financial burden.

Budget Meals/

Keep Your Grocery Budget Under Control

Managing your grocery budget can be one of the most effective ways to cut down on your monthly expenses. Unlike fixed costs such as your mortgage or car payments, the amount you spend on groceries is flexible. Here’s how you can take control and potentially save hundreds each year.

1. Establish a Grocery Budget

Track Your Spending: Begin by monitoring your grocery expenditures over a few weeks to understand your spending habits. This tracking will serve as the foundation for setting a realistic weekly or monthly budget.

Set a Budget: Based on your tracking, establish a grocery budget. Commit to this amount and ensure you do not exceed it when you shop.

Challenge Yourself: Once you’re comfortable with your budget, try reducing it incrementally—start with $20 per month. The goal is to find the lowest sustainable amount you can spend without feeling deprived.

2. Maintain a Price Book

Understand Pricing: Store promotions might seem attractive, but are they really saving you money? Maintain a price book—a small notebook or a digital document on your phone—detailing the usual prices of items you frequently purchase.

Compare and Save: Use your price book to compare deals in weekly flyers and determine if special offers are genuinely worthwhile. This preparation can prevent unnecessary trips and impulse buys.

3. Embrace Frugal Cooking

Creative Meals: Incorporate inexpensive meals that your family enjoys into your routine. Dishes like rice and beans, large pots of soup, or chili are nutritious and cost-effective. Consider using meat sparingly or opting for meatless meals to further reduce costs.

Use Leftovers: Make a habit of using all leftovers, perhaps by designating certain days to finish off what’s in the fridge. This practice not only saves money but also reduces food waste.

4. Eliminate Unnecessary Extras

Plan Your Purchases: Always shop with a list to avoid impulse buys. Extras such as gourmet bakery items or checkout aisle snacks can significantly inflate your grocery bill.

Stick to the List: By adhering strictly to your list, you’ll find that many non-essential purchases are easier to skip, which can lead to substantial savings over time.

5. Reap the Benefits

Allocate Savings: With the money you save, consider funding enjoyable activities, paying down debt, or enhancing your financial security. Whether it’s a vacation, reducing credit card balances, or building an emergency fund, the extra cash can help you achieve your financial goals more quickly.

By implementing these strategies, you’ll not only keep your grocery spending in check but also enjoy the benefits of a more disciplined and thoughtful approach to shopping. Start today and watch your savings grow, one shopping trip at a time.

Budget Meals/

10 Delicious Meatless Dinner Recipes That Families Will Love

Here’s a quick story of how my family went meatless for a week and survived. See, my family and I are getting ready to meet up with our relatives for a small reunion in Myrtle Beach. Well mostly me, because my father and son usually leave all the details to me and will leave packing until the last moment. I need to prepare by making sure my dog’s daycare is arranged and that I have lost at least ten pounds before then. Yeah, I know I had all winter to prepare, but trust me, I was busy. So, to help me lose those 10 pounds before our trip I have decided to go meatless for a week.

Did you hear the groans coming from the back? Well, that’s my family going cray-cray because they’re carnivores and the thought of not having meat for a week is ridiculous. Maybe, but considering I’m not only the one who does all of the grocery shopping, I’m also the cook. I’m not going to cook multiple meals, so they’re just going to have to get over it.

Why have I decided torturing my family was the right thing to do? Well, I figured that in order for me to lose weight in the next three weeks, I had to do something drastic. So, I decided I was going on a cleanse.

Now as smart as I am, I will say this is not all my idea. I picked up a copy and read J.J. Smith’s book. She talks about her DEM system, which I only remember the D standing for detox. This is great because that’s all of the time I have anyway. During her detox phase, you are to follow the basics:

  • No Dairy
  • No Meat
  • No Soda, Coffee or Tea
  • No Alcohol
  • No Bread

The detox phase lasts for two weeks, but of course, I never made it that long. So, I figured one week was all I could bare and hoped it was enough to get me through.

Getting rid of dairy is not a problem for me. I’m lactose intolerant and possibly allergic to eggs, so I’m staying clear of these. I drink coffee every morning and tea every night, so stopping cold turkey is inhumane. However, switching to decaf shouldn’t be too much of an issue, at first.

I’m a social drinker and can go months or years without alcohol. Two weeks is a walk in the park for me.

Getting rid of soda during the detox phase may get a little tricky because I drink at least one diet soda every day.

Now getting rid of meat? That’s a whole ‘nother animal.

If I lived by myself, then going meatless wouldn’t be too difficult. I would simply not buy any meat when I went grocery shopping.

Lucky for me, I do all of the cooking around here and I’m not spending any more time in the kitchen than I have to.So I had to think of dishes to create that

So I had to think of meatless dishes that would not only be delicious but would make the eater forget that there’s no meat in there.

Embracing meatless meals can be a delightful adventure for the palate, not to mention it’s often healthier and more budget-friendly. Whether you’re trying to incorporate more plant-based meals into your family’s diet or just looking for some delicious variety, these ten meatless dinner recipes are sure to please everyone at the table. Let’s dive into these family-friendly, flavorful dishes!

1. Creamy Tomato Basil Pasta

A classic that never disappoints, this creamy tomato basil pasta is rich, satisfying, and bursting with flavor. Simply sauté garlic and onion, then pour in crushed tomatoes and simmer with a touch of cream and fresh basil. Serve over your favorite pasta for a quick and delightful meal.

2. Vegetable Stir-Fry with Tofu

Crisp vegetables and hearty tofu make this stir-fry a complete meal. Use a mix of bell peppers, broccoli, carrots, and snap peas, quickly fried in a hot pan. Add cubed tofu and a savory sauce of soy, garlic, ginger, and a hint of honey for a touch of sweetness. Serve over steamed rice or noodles.

3. Chickpea and Spinach Curry

This comforting curry is packed with protein-rich chickpeas and nutrient-dense spinach, simmered in a creamy coconut milk base with aromatic spices like cumin, coriander, and turmeric. It’s perfect served with fluffy basmati rice or warm naan bread.

4. Black Bean and Sweet Potato Tacos

Combine roasted sweet potatoes with black beans and a blend of Mexican spices for a taco filling that’s both sweet and savory. Serve in soft tortillas with avocado, salsa, and a squeeze of lime for a fun and festive dinner.

5. Lentil and Mushroom Shepherd’s Pie

A hearty and comforting dish, this shepherd’s pie uses a savory mixture of cooked lentils and sautéed mushrooms, topped with a layer of creamy mashed potatoes. Bake until the top is golden and crisp, perfect for a cozy family meal.

6. Stuffed Bell Peppers

Fill bell peppers with a mixture of quinoa, black beans, corn, diced tomatoes, and spices for a colorful and healthy dish. Top with shredded cheese and bake until everything is beautifully melted together.

7. Cauliflower and Chickpea Masala

This flavorful dish features roasted cauliflower and chickpeas tossed in a rich and creamy masala sauce. It’s a plant-based twist on the traditional Indian dish that will win over anyone’s heart and stomach.

8. Vegetarian Chili

A robust vegetarian chili made with a variety of beans, bell peppers, onions, and tomatoes, simmered in a rich, spicy tomato base. Serve with a side of cornbread for the ultimate comfort meal.

9. Zucchini Lasagna

Swap traditional pasta sheets with thin slices of zucchini in this low-carb lasagna version, layered with ricotta cheese, marinara sauce, and plenty of mozzarella. It’s a lighter take on the classic that still promises all the cheesy goodness.

10. Greek Pita Pizzas

Top pita bread with a spread of hummus, then add chopped tomatoes, sliced olives, red onion, and feta cheese. Quick-broil in the oven for a crispy, delicious pizza experience that comes together in minutes.

These meatless recipes not only bring variety and flavor to your dinner table but also contribute to a healthier lifestyle. Each dish is designed to provide a balanced meal that satisfies the taste buds without relying on meat, ensuring that your family enjoys both the taste and benefits of plant-based ingredients. Dive into these recipes and watch your family dinners transform into a delightful culinary journey!

4

 

travel/

Family Vacation on a Budget: Smart Tips for Stress-Free Travel

Family Vacation on a Budget: Smart Tips for Stress-Free Travel

I have kinfolk spread out throughout the country, so our vacations are usually family-oriented. We’re either visiting family, hosting family, or

Planning a family vacation can be one of the most rewarding—and stressful—experiences. With kinfolk spread across the country, our vacations are usually family-oriented. We’re either visiting family, hosting family, or meeting up at a fun destination.

Last year, we met up with our southern family in Myrtle Beach, a perfect halfway point for everyone. And in two weeks, a few of my family members are visiting Virginia Beach (and no, not all of our trips involve beaches).

I don’t have to tell you how planning with a large group can be challenging. If you’re not careful, it can also wreak havoc on your budget. With my big family, skipping these trips would be scandalous (at least according to my aunts!). And while I love seeing everyone who lives hundreds or even thousands of miles away, I’m just as happy when it’s time to say goodbye. I’m an introvert, and spending extended time with people can be draining. But I love my family, and these vacations are a necessary, if sometimes overwhelming, part of staying connected.

Family Vacation on a Budget: Smart Tips for Stress-Free Travel

So, if you’re planning a trip with the family any time soon, here are some budget-friendly tips that will help you save money and keep your sanity.

1. Plan, Plan, Plan

When you’re coordinating with family, planning is essential. Start early and communicate often to make sure everyone’s on the same page about destinations, travel dates, and expectations.

2. Go During the Off-Season

Once you’ve decided on a destination, plan your trip during the off-season. Not only will this save money, but you’ll also avoid the crowds. Check with the destination about their low seasons, which vary from place to place.

3. Avoid Hotels

Unless you find a stellar deal or can use points, skip the hotel and book a vacation rental instead. It’s a much better option for large groups. My family and I rented a big home through Airbnb for our Myrtle Beach trip, and it was perfect. We had plenty of room for family coming from Arkansas, Maryland, and North Carolina, and everyone was comfortable. Plus, we were able to cook meals and save on dining out. Platforms like Vrbo and HomeAway are also great alternatives.

4. Set a Budget Early

Decide on your spending limits for travel, accommodation, food, and activities before you start making plans. Setting a budget ahead of time helps prevent overspending. You can use the EveryDollar App to track your spending throughout the trip.

5. Use a Group Travel Planning App

Coordinating with family members spread across different locations can get tricky. Keep everyone on the same page with a group travel app like TripIt. It organizes flight itineraries, accommodation details, and schedules in one place, so no one gets confused.

6. Look for Free Activities

You don’t need to break the bank to have fun. Many destinations offer free or low-cost activities like hiking, local festivals, and historic landmarks. Websites like TripAdvisor or AllTrails are perfect for finding free options.

7. Split Costs

When traveling with family, splitting expenses can make the trip more affordable for everyone. Share the costs of accommodation, groceries, and transportation. Tools like Splitwise make it easy to divide and track expenses, so no one feels left out.

8. Pack Snacks

Food costs can add up quickly, especially when you’re on the go. Pack snacks like granola bars, nuts, and sandwiches for road trips to avoid expensive gas station stops. If you’re driving, an insulated cooler like the YETI Roadie 24 Hard Cooler can keep your food and drinks fresh for hours.

9. Use Cash Back Credit Cards

If you’re using credit cards for travel, pick one that offers cash back or travel rewards. Cards like the Chase Freedom Unlimited or Capital One Venture Rewards help you earn money while you spend, making travel more affordable. Just remember to pay off the balance to avoid interest fees.

10. Research Discount Sites for Activities

Websites like Groupon or LivingSocial are gold mines for discounts on local attractions, restaurants, and tours. You can score great deals on fun activities without spending a fortune.

11. Carpool or Use Rideshare Options

If everyone isn’t traveling together, consider carpooling or using a service like Turo to rent a large vehicle for the group. Carpooling reduces gas costs and allows the family to stay together during travel.

12. Book Flights with Fare Alerts

When flying is part of your trip, use tools like Hopper or Google Flights to track flight prices. Set fare alerts to get notified when prices drop so you can snag the best deal possible.

Family vacations don’t have to drain your wallet or drive you to the brink of exhaustion. By planning ahead, using technology, and being mindful of your budget, you can make the most of your time with family while still keeping your finances in check. So, the next time you’re planning a trip with the kin, use these tips to save money, minimize stress, and enjoy every moment—well, almost every moment!

 

Money/

Cut the Cable Cord Without Going Broke: A Guide to Streaming Services

In today’s digital age, traditional cable TV subscriptions are becoming a thing of the past. With the rise of streaming services, viewers now have the flexibility to customize their entertainment experience while saving money in the process. If you’re looking to cut the cable cord without breaking the bank, this guide will walk you through the process and introduce you to ten streaming services, highlighting their benefits and drawbacks.

Why Cut the Cord?

Before we dive into the world of streaming services, let’s discuss why cutting the cable cord is a smart financial move. Traditional cable packages often come with hefty monthly bills, long-term contracts, and channels you might never watch. Streaming services, on the other hand, allow you to select only the content you want to watch, offering a more personalized and cost-effective entertainment solution.

Top 10 Streaming Services: Benefits and Drawbacks

Netflix

Cost: Plans start at $8.99 per month
Benefits: Netflix offers a vast library of original shows, movies, documentaries, and more. Its user-friendly interface and recommendation algorithm make it easy to discover new content.
Drawbacks: The selection might not always include the latest releases, and the cost can increase if you want access to Ultra HD content or multiple screens.

Hulu

Cost: Plans start at $5.99 per month
Benefits: Hulu provides a mix of current TV shows, original content, and a limited selection of movies. Subscribers can access new episodes shortly after they air. You can add a Disney+ and ESPN+ for about $15/month.
Drawbacks: The basic plan includes ads, which can be annoying. To remove ads and access additional content, the price increases. Read here about Hulu + Live TV.

Disney+

Cost: $7.99 per month
Benefits: Disney+ is a must-have for fans of Disney, Pixar, Marvel, and Star Wars content. It also offers exclusive original series and movies.
Drawbacks: While it’s family-friendly, the content might not be as varied as other platforms.

Amazon Prime Video

Cost: Included with Amazon Prime membership ($12.99 per month)
Benefits: Alongside its vast library of TV shows and movies, Amazon Prime Video provides access to original content and the ability to rent or buy additional titles.
Drawbacks: The interface can be less intuitive compared to other streaming services.

HBO Max

Cost: $14.99 per month
Benefits: HBO Max grants you access to HBO’s acclaimed series, movies, and exclusive originals, such as “Game of Thrones” and “Succession.”
Drawbacks: The higher cost might be a deterrent, and the library might not be as extensive as some other services.

Westinghouse Roku TV
Buy on Amazon

Peacock

Cost: Free with ads; Premium plans start at $4.99 per month
Benefits: Peacock offers a blend of current TV shows, movies, and classic content. Some users can access certain shows for free.
Drawbacks: The free version includes ads, and not all content is available in all plans.

Apple TV+

Cost: $4.99 per month
Benefits: Apple TV+ boasts a growing selection of original shows and movies, with a focus on high-quality storytelling.
Drawbacks: The library is currently smaller than other services, and there might be limited third-party content.

Paramount+

Cost: Plans start at $5.99 per month
Benefits: Formerly CBS All Access, Paramount+  offers a mix of current and classic TV shows, movies, and live TV events.
Drawbacks: The original content might not be as strong as other platforms, and the availability of certain shows could be limited.

YouTube TV

Cost: $64.99 per month (for the first 3 months, $72.99 per month thereafter)
Benefits: YouTube TV provides live TV streaming with a wide range of channels, including sports and news. It also offers unlimited cloud DVR storage.
Drawbacks: The higher cost compared to other streaming services might be a concern.

Sling TV

Cost: Plans start at $35 per month
Benefits: Sling TV offers customizable channel packages, allowing you to tailor your lineup to your preferences. It’s a good option for budget-conscious viewers.
Drawbacks: Some channels might not be available in certain packages, and the user interface could be improved.

Creating Your Cord-Cutting Strategy

To cut the cable cord without going broke, consider the following steps:

Assess Your Needs: Determine what type of content you value the most. Are you a movie buff, a sports fan, or a TV show enthusiast?

Set a Budget: Calculate how much you’re willing to spend on streaming services each month. Remember that the costs can add up quickly, so make sure to find the right balance.

Trial Periods: Most streaming services offer free trial periods. Take advantage of these trials to test out different platforms and find the ones that suit your preferences.

Bundle Deals: Some streaming services offer bundle deals or discounts when you subscribe to multiple platforms through a single provider. Explore these options to save even more.

Equipment and Internet: Make sure you have a reliable internet connection and a compatible device (smart TV, streaming stick, gaming console, etc.) to enjoy your chosen streaming services.

Regular Evaluation: Periodically review your chosen streaming services to ensure they still align with your entertainment needs. Cancel any services you no longer use.

In conclusion, cutting the cable cord doesn’t have to drain your wallet. With a plethora of streaming services available, you can tailor your entertainment experience to your preferences and budget. By assessing your needs, setting a budget, and taking advantage of free trials, you can create a cost-effective cord-cutting strategy that allows you to enjoy quality content without going broke. Remember, the key is finding the right balance between the services you love and the cost you’re willing to pay. Happy streaming!

 

 

Money/

How to Earn a Degree Without Going Into Debt

Pay for college without student loans?

Yes, it’s possible. No matter your financial situation, if you have a desire to get a college education, then, by all means, go for it.

Of all the challenges you’re going to face on the road to graduation, you shouldn’t have to worry about how you’re going to pay for it.

If you’re resourceful, you will be able to find the money and you won’t have to go into a lot of debt either.

According to the Business Insider, student debt continues to rise and the average debt for the 2015 graduating class is $30,100.

When you consider how student debt in the U.S. tops around $1.3 trillion, that’s a lot for an educated and unemployed person to be bogged down with.

 

How College Debt Affects Your Life

While in college, most students don’t worry much about how they’re going to pay back the debt they accumulated the last four years.

The thought is that they will deal with it later, right after they get that high-paying job.

Unfortunately, reality soon sets in when the job offer is much less than they had envisioned or hoped for.

College debt has an adverse effect on the economy as well, according to USA Today.

The more money graduates have to spend on student loans, the less they have to obtain cars, homes or start their families.

 

Debt, student loan debt, in particular, can cause a delay in building up savings, which can have short and long-term consequences.

Once you pay for rent, transportation, and food in addition to a student loan payment, there’s usually not much left for anything else.

Most people with a ton of college debt usually find themselves struggling to make ends meet or worse, living back under their parents’ roof. There has to be a better way, so how do you get a degree without debt?

Scholarships and Grants

Scholarships

 

A scholarship is free money awarded to students to pay for some or all of their college costs. If you have a very high GPA or are great in sports, then you should definitely start looking for scholarships to apply to.

Heck, even if you’re not, there are literally thousands of places you can find the money for you to go to school. I’ve seen scholarships awarded to people who successfully use social media in their everyday lives or submitted great videos on a proposed topic.

Scholly is an app that will send you scholarships you qualify for on a weekly basis.

Want to get paid for accomplishments made in high school, such as earning good grades? On Raise.me, colleges will award you money to attend their schools once you graduate from high school.

 

Grants

Grants are similar to scholarships in that they’re essentially money for college you don’t have to pay back. The difference, however, is that grants are usually awarded on financial need, whereas scholarships are awarded based on merit.

There are federal and state grants available, but you must first complete and submit a Free Application for Federal Student Aid (FAFSA) to see if you qualify.

Another option for finding scholarships and grant money is through foundations and private organizations. You can find a list here to start your search. Many have money that is set aside to help people pay for college.

If you’re part of a specific racial or ethnic group, fraternity, or entering a particular field such as engineering, you will find a few you may be eligible for.

Community College

 

To be frank with you, no one cares where you went for the first 60 credits of your degree. They only care about who awarded you that said degree. You could go to one school for a few years and then later transfer those credits to your first-choice school.

That’s why going to a community college first is an inexpensive option if you can’t really afford to go to the college of your dreams for all four years.

Another great thing about community colleges is that they usually have partnerships with local universities, which will help to make your transition that much smoother.

Schools feel good knowing they are accepting someone who has demonstrated college-level readiness and you, in turn, get to save thousands of dollars.

Still not convinced?

Consider public college instead of private or stay in-state, which is way less expensive than going out of state.

Related:

Employer Tuition Assistance

 

If you are employed, check to see if your employer will pay for part or all of your tuition. There are many employer-sponsored programs that help to cover the cost of tuition for employees and their dependents.

Most of the time, these are excluded from your income and are therefore tax-free. One caveat to consider, however, is the length of service required after you receive the tuition assistance.

While some employers won’t pay for your tuition, they may have a partnership with a college or university that will offer a discount if you go through them.

My cousin earned his master’s degree on his boss’ dime and saved $60,000 and a friend of mine earned hers at 25% of the total cost of tuition, so it pays to check with your employer before starting a program.

Exam for College Credit

 

I wish I had known about this option a long time ago. Not only would I have saved money, but I could have saved time as well.

If you have a few credits you need to finish a degree or want an affordable way to get started, there are programs out there that will allow you to pass an exam to earn college credit.

CLEP, DSST Dantes, and Excelsior are well-known credit by examination programs that allow you to pass a test to earn credit.

This option works like this, you select the course you want to test out of, study, and then take the exam. If you pass, you can turn this into your school and receive credit – just as if you sat in the class for three months.

Depending on the course, you end up paying $100 or so for the exam versus hundreds for a three-credit course. A great bargain for sure and if you have on-the-job experience, your knowledge will make taking these tests seem like a cakewalk.

Another option…

You may want to look into Straighterline, which allows you to take as many classes you want for a monthly fee of $99 (and a one-time fee of $49 per course). You’ll earn credit for many online programs once you pass their exam.

This is a great option if you want to finish a course early, but still, need a little more prep than a study guide. Most schools will accept credit by examination, just make sure yours do.

Savings

 

My friend was lucky to have a grandmother who left her money specifically to fund her college education. Most of us don’t have a rich grandma.

Or a trust fund for that matter.

As much as we hoped our parents saved for our college fund, reality sets in quickly when we realized they hadn’t. That’s okay because you can start putting away money into your savings to pay for your tuition right now.

That’s okay because you can start putting away money into your savings to pay for your tuition right now.

College 529 savings state plans are another great option, which helps families set aside money to be used later for tuition costs. This can be set up by a parent or grandparent and contributed on your behalf.

You could also sign up for programs such as Upromise which awards cashback from eligible purchases which can be transferred into a savings account at any time.

Rakuten is not specifically set up as a college savings program, but you could encourage family members to sign up and shop through it to get cashback, which could be used to fund college.

Student Loans

 

All undergraduate and graduate students are eligible to receive federal loans. These loans are easy to receive and are backed by the federal government (Direct Loans and Perkins Loans – read more about each type here).

Unlike grants and scholarships, loans must be paid back after you are no longer enrolled in school. I recommend applying for a student loan when you have exhausted all other options and there’s not enough money to cover the balance.

If you end up having to take out a student loan, do so responsibly. Take out only what you need and can pay back in a reasonable amount of time. Assess your employment options after college and really think hard about how much debt you want to take on.

There’s a difference between the salaries of a teacher and a doctor…

…so let’s be real.

Will you be able to pay hundreds of dollars each month on top of rent, food, and utilities?

Get Another Job or Side Hustle

I understand that getting a second job while going to school is not an ideal situation. However, having extra money you could throw into savings is.

If you’re able to get a part-time job before school starts, use that money solely to pay for tuition.

Don’t want another job? Start a side hustle.

Side hustles can help you to earn money to pay for tuition. The more money you make, the easier it is for you to earn a degree without debt.

Related:

If you think blogging may be for you, check out my step by step guide on how to start a blog here.

 

Making Money/

7 Ways to Make Extra Money

make extra money

Looking for a few ways to make extra money?

No matter if you’re unemployed, self-employed or underemployed – it is very important for you to have multiple streams of income.

You can call it a side gig or a hustle, but making extra money should be on the tippy-top of your to-do list.

When you have money to pay down debt, pad your savings, or help others – life becomes a zillion times easier.

 

make extra money

Related Posts:

 

Here are 7 Real Ways to Make Extra Money

1. Start a Blog

If you want to make money online, I truly believe starting your very own blog is one of the best things you can do. If you’re passionate about a topic and enjoy helping people, then blogging can be very lucrative.

There are many bloggers out there who have turned their blogs into full-time money-making machines and you can too.

I recommend finding a profitable niche that piques your interest and to go from there. Blogging won’t make you rich overnight, but if you view it as a business from the very start, making money is possible.

If you’re ready to make extra money blogging, read my step-by-step guide on how to Start a Blog to get started.

You can get a free domain and a year’s worth of hosting for as little as $3.95 a month if you sign up with Bluehost through my link.

Related: Must-Have Books for New Bloggers

2. Teach a Class

You probably know a little more about a topic than most people. These could be skills you learned while on the job or through your experience with a hobby of yours.

No matter how little you think you know, there are plenty of people out there who are looking to know what you know.

Consider what most people ask you for your expertise or advice in and develop a course from there. What you teach can be as technical as programming code or as creative designing an arrangement of silk flowers.

You could teach your course locally through your community parks and recreation department or teach online. There are many platforms out there such as Teachable and Udemy to help you to set up and deliver your course.

Related: 7 Awesome Places to Sell Online Courses

3. Tutor

As a former teacher, tutoring just seems like a natural fit for me and I continue to do it, even when I’m not in the classroom. Depending on the subject, I charge on the average $35/hour.

Not a teacher?

Don’t worry. There are many non-educators who have been very successful in tutoring students in all subjects at every level.

If you’re good with numbers or a grammar nerd, you’ll find many tutoring opportunities, especially during the academic school year. In fact, the more specialized the better.

Have great test taking skills or received high test scores? You could help someone prepare for their SATs or GREs.

Check Craigslist for local opportunities or sign up with a company such as Varsity Tutors, Tutor.com or Care. If you’re interested in tutoring exclusively online, you’ll find plenty of opportunities on Chegg.

4. Sell Unwanted Items

Whenever I needed to make extra money, I would always go through the house to see what I could sell. I would sell mostly electronic items such as an iPad, a Kindle, and cell phone, but have also sold furniture such as an eight-drawer dresser I no longer wanted.

If you have items lying around that you no longer want or need, look to see if someone else would want them.

If selling online, make sure to create a great headline and take great pictures. Do some research first to find a competitive price.

Pricing wrong can turn people off and you’ll find yourself stuck with those items. Look to sell on sites such as Craiglist, Amazon, or Ebay.

Depending on the item, you’ll have better luck on certain platforms than others.

5. Join a Network Marketing Company

I know, a lot of network marketing and direct selling companies get a bad rep. They are often synonymous with pyramid schemes and sleazy meetings.

That’s too bad because there are a lot of great companies out there that are not only legit but highly profitable to those who join.

According to the Direct Selling Association, there are more than 20 million people associated with direct sales or network marketing either as a seller or consumer.

The low-cost entry makes companies such as Beachbody, Avon, and Herbalife great opportunities for people to try their hands in entrepreneurship. It’s also an ideal way for stay-at-home moms to bring in extra income.

I have been associated with companies on both sides and have seen the good, bad, and the ugly.

Just do your research before signing on. I’m currently a distributor with this company and make extra money just by sharing products I use and love (while getting healthy at the same time).

6. Run Errands for Busy People

When I worked as a personal assistant for a real estate agent, she would always have me run errands for her. These errands involved doing her grocery shopping and letting the house cleaner into her home.

Though I hated that part of the job, I realized that there were a lot of people out there who were too busy to do their own shopping and would love to pay someone to do it for them.

If you have extra time on your hands you could pick up a few tasks for people here and there. Seniors who are unable to get around like they used to could be some of your best customers.

You could look in directories such as Craigslist for jobs, or you could sign up with a company. If you’re quite handy, you’ll find plenty of opportunities on sites such as TaskRabbit, Amazon Home Services, and Thumbtack.

7. Become a Dog Sitter

Love pets, but don’t want to own another one? Well, dog sitting is a great way to bring in extra money each month.

Most of us treat our pets like family anyway, so it’s only fitting that we put the time and money into finding someone who will take care of them as well as we do.

If you have space in your home, you can start offering sitting or boarding services to pet owners. Many times pet owners are unable to take their pets with them when they travel and prefer someone’s home over a kennel.

Two years ago, I found the best sitter in the world on Rover. After a background check and acceptance, you can set up your own profile.

They offer fast payment and premium insurance to you as an approved sitter. You set your own rates and great reviews will get you repeat customers.

There you have it. I hope you found these additional ways to make extra money helpful. Have you ever tried any of these and if so, how was your experience with them?

 

 

Making Money/

7 Legit Survey Sites to Make Extra Money

survey sites to make extra money

Interested in making money on the side without getting another job? Looking to earn extra money to pay for date night or cover a bill or two (or more)? Consider these legit and credible survey sites to make extra money.

survey sites to make extra money

Why Complete Online Surveys?

If you’re looking to bring in some extra cash without spending a lot of time doing so, here are a few of the highest paying survey sites I recommend for everyone.

Now, you won’t get rich completing surveys or even be able to quit your day job, but if you’re consistent, you can make hundreds or more each month.

What Survey Companies Really Want

There are hundreds (if not thousands) of companies conducting market research who are looking for someone like you to help them gauge if their products and services are worth it.

They could put a product out for the world and wish for a good result, but that’s very expensive. It’s cheaper to do the research in the beginning and put out the product or service people want.

That’s where you come in. Businesses pay market research companies to seek out the answers from people like you. Potential consumers of their products or services. You provide the answers to them in the form of online surveys.

The best part? Many of these online survey sites pay cash!

Are Survey Sites a Scam?

Not all survey companies are created equal and if you’re not careful, you’ll come across some who will spam your inbox or offer a laughable reward for long, mundane surveys. Now don’t get me wrong – there are some bad sites out there masquerading themselves as legit survey companies – but the ones on my list are not.

Not only are these reputable companies, but I’ve been active on them for years. Yes, that’s right. I complete surveys too. Always check reviews and read their privacy policies. You don’t want to sign up for a company that will sell your personal information as soon as you click the signup button.

No one has time for that and that’s why I’ve created this list of 7 totally legit survey sites to make extra money with. Simply, completing surveys is one of the easiest ways to make money online. You may not get rich off of them, however, getting paid to complete a survey or two while watching television or waiting around, is an easy way to collect cash.

Related: How to Make Hundreds a Month with Surveys

Survey Sites that Pay Cash

I bet you’re wondering how do you get paid for completing surveys. Do they mail you a check in the mail? A couple of these sites will pay you with a check. However, most of them give you the option of getting paid with gift cards or via PayPal.

There are also varying cash-out amounts. This means that you will have to earn a certain amount of money before you’ll be able to “cash-out” your money. Some companies will pay you if you make $5, one, in particular, will pay you when you earn $30. This makes sense. No one wants to get paid a dollar here and there.

What is the fun in that?

Reviews of the Best Survey Sites to Make Money Online

Swagbucks

 

Swagbucks is my favorite survey site HANDS DOWN and the one I recommend to all of my friends to join, even if they want to complete surveys or not. With Swagbucks, not only do you have opportunities to earn with surveys but with a variety other ways as well.

For example, you can earn points (Swagbucks) to redeem later for gift cards by completing offers, watching videos, playing games and referring others. You can use their search engine and earn points that way as well or use it to shop online (similar to Ebates , now Rakuten).

I tend to earn around 50 to 200 Swagbucks a day using this site, easy. It’s fun for me and I make the effort to log in every day. You can too. Use my link to earn between 100 to 400 Swagbucks for just signing it up.

Inbox Dollars

Inbox Dollars is similar to Swagbucks in that they give you several opportunities to earn money. You can complete surveys, watch videos, play games and more to earn cash. With Inbox Dollars, you earn cash, so after earning $30 in your account you can cash out.

The last time I cashed out, I received a check, but they also allow you to convert your cash into an e-gift card or a Visa Debit Card. You can also earn entries for a chance to win more prizes.

If you complete a survey a day, you will hit your minimum payout each month. Earn $5.00 when you sign up for Inbox Dollars here.

Vindale Research

You can sign up with Vindale for opportunities to complete surveys for cash. I have email alerts to notify me when a survey becomes available because I’m not going to remember to log in to do so. Each email will tell you the survey topic, the estimated time of completion and the amount of compensation.

These surveys are comparable to the other companies on this list and you are given an opportunity to review certain surveys after taking them. There’s also opportunities to join focus groups or watch videos, but aren’t as plentiful as the surveys.

Payment requests can be made once you’ve reached $50 in your account. You can receive payment via PayPal or paper check. They boast to paying $5 to $75 for surveys, but I haven’t qualified for any over $10 yet. Maybe you will. To sign up for an account with Vindale, click here.

Related: Great Ways to Make $100 or More a Month

Opinion Square

When you sign up for Opinion Square, you have the option of downloading software onto your computer as well as complete surveys to earn points and tokens.

Don’t worry, the software is unobtrusive and runs in the background. Points can be redeemed for gifts and prizes in their catalog. They’ll notify you via email when a survey is available, so be on the lookout for more opportunities to earn points.

The number of survey invites you to receive will depend on your demographics, so some months you may get a little or a lot. The amount you receive for each survey ranges as well.

Most will pay you around $1 to $2, but the more specific the demographic the company is looking for, the higher the reward. I recently completed a 20-minute banking survey and earned $9.50!

You can sign up for Opinion Square here.

Panel Place

Another great place to complete surveys is through Panel Place.

 

American Consumer Opinion

You can complete surveys to earn points, which can be cashed out when you earn 1,000 (equivalent to $10), payable via PayPal or paper check. In addition to surveys, you’ll also receive opportunities to test products at home.

I haven’t been able to qualify to test products just yet, but I was THIS CLOSE to becoming a tester for Keurig. For some reason I didn’t fit their demographic, which is a bummer, but I’m sure another opportunity will come up soon.

Invitations to their surveys are emailed to members, so make sure to check your inbox for opportunities. To sign up for a free account with American Consumer Opinion click here.

Opinion Outpost

 

Opinion Outpost is another fun way to earn rewards and points. Members earn points which they can redeem for cash or gift cards. In addition to points, you can earn badges as you meet certain achievements, such as filling out all of your profiles or completing several surveys.

A great thing about Opinion Outpost is that the payout is pretty low. You can request a PayPal transfer when your account reaches $10.00. You can earn Amazon and iTunes gift cards when you’ve earned $5.00.

Sign up for Opinion Outpost now to start earning points.

Survey Junkie

If you’re looking to up your chances of being qualified for a variety of surveys, sign up for Survey Junkie.

Unlike the other companies listed above, Survey Junkie is sort of a warehouse of surveys. You’ll find opportunities for various companies, including some that may even be on this list. This is awesome because more surveys mean more ways to earn.

As always, maximize your chances to earn rewards by filling out your profile completely and joining panels. You can cash out when you reach 1000 points, which is around $10.

Sign up for Survey Junkie here.

Related: 21 Surprisingly Easy Ways to Make $500

Opinion City

If you’re looking for the best surveys to complete, Opinion City is a great option for you. Once you sign up for Opinion City, you will be directed to the best surveys that are best for you depending on your demographics.

Remember when you sign up and complete your questionnaire to be completely honest with your answers. A weekly drawing gives you an option to win more money.

To earn money online with Opinion City, click here.

If you’re looking to make extra money with the best survey sites out there, check out the ones on this list and start racking up dollars. Not only will you make money, but you’re sure to have fun as well.

Other Posts You May Want to Check Out…