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5 Innovative Ways To Save On Home Improvement Living On A Single Income

Sunday, October 25, 2020

When your home is in need of repairs, it is important to complete them as quickly as possible in order to avoid other problems. However, saving money for repairs can be difficult if your family is living on a single income. Luckily, there are some things you can do to save cash faster so you can complete necessary upgrades or fixes in a timely manner, as well as visiting the Ultimate Home Remodeling & Renovation Guide.

1. Have a Portion of Your Check Direct Deposited to Savings




Direct deposit is a great tool for saving money. Most companies allow employees to have their paycheck deposited directly into multiple accounts; you could have a dollar amount or percentage of your pay automatically go into a secondary checking or savings account each month. Many employers have a company portal where workers can change direct deposit options. If you do not, contact your HR or payroll department. Once you find out how to make the change, you need to decide how much you want to save. 

2. Host a Garage Sale

Having a garage sale is a great way to get some extra cash together and one that is often overlooked by people in need of money. It is easy and affordable to have a garage sale. A great way to get the most out of a garage sale is to ask several friends or family members to join you. You and your frugal friends can make eye-catching signs and take an ad out in the paper. Saturday and Sunday ads are usually the best for exposure. 

3. Eat at Home and Bring Your Lunch

A quick way to save cash is to eat at home and bring your lunch to work. Stopping before work to grab breakfast and going out to eat during lunch wastes a lot of money that could be used for home repairs. Bring bread and deli meat to work. When lunch hour rolls around, make yourself a sandwich. Cut back on beverage spending, too. Bring a large bottle of your favorite juice, tea, or soda instead of stopping for drinks at convenience stores and gas stations. You will be pleasantly surprised by how fast you are able to save. 

4. Return Unwanted Items

Do you have a closet full of items you meant to return but you have not gotten around to it? If you do, return them! Returning unwanted items that have been sitting in the closet is a great way to rack up the cash you need really quick. Even if you do not have the receipt, a lot of retailers will still issue you a refund. Make sure you bring your driver's license because that is almost always required when you do not have a receipt. 

5. Can't Return Them, Sell Them

Sell any items you do not want that you are unable to return. Use eBay, Etsy, Craigslist, Facebook, or any other tools to sell the things you no longer want or need. Many times, items with the tags still on them sell for more on eBay or Etsy than what you originally paid. 

These great ways to save up some cash are simple and easy. So, if it is time to replace your HVAC unit or you want to remodel your bathroom, follow these simple tricks and you should get the job done faster.

2020 Holiday Gift Guide for the Traveler

Friday, October 23, 2020


'Tis the season for gift giving, and for those with the travel bug, we have some great gift ideas:

JINS Eyewear US- ( $60) 



These sunglasses are perfect for traveling to help with UV protection while your loved ones are outdoors. They are made of Airframe material for lightweight sunglasses that are comfortable and durable. The nose bridge is Alternative Fit, perfect for those with low nose bridges to prevent slipping down the nose. Enjoy the ease also of free shipping and free 30-day returns.



Nanobit ($22.99)



  • World’s smallest 12V car charger; designed to sit flush with car’s control panel

  • 30 watts of charging power, meaning it can charge smartphones and tablets

  • It even includes an easy pull and swivel handle



***Watch this spot for more gift giving ideas for the traveler!

4 Ways to Ensure That Your Education Serves Your Later Success and Ambition in Life

Tuesday, October 20, 2020


Image via Pixabay


Going away to University is a pretty exciting time. For many young studies, going away to study marks the threshold of independence — a time when they are leaving the safe domain of the family home, in order to brave it out there in the open world, live on their own terms, feed themselves, meet new people, and all the rest.


Of course, independence is only part of the equation. If you’re attending a University, the hope has always got to be that you’re actually learning something worthwhile, and are significantly deepening your understanding of your field of choice. Then, of course, there are all of the experiences that you have at University that teach you non-academic lessons — maybe involving a few parties here and there.


And, of course, it’s pretty likely that if you felt like shelling out the money to study at a University in the first place, you’re hoping that the overall experience will significantly and positively enhance your future professional prospects and help to win you a degree of success in terms of your overall life ambitions.


That’s the hope, but it’s not always the reality. Here are a few things you can do to ensure that your University experience fulfills this lofty goal.

Identify a degree that seems meaningful to you, and ideally one that also seems useful

By all means, you hopefully will have already given the matter of your degree a good deal of thought, before actually signing up for a program and committing to make the necessary payments.


All the same, it’s worth considering, and reconsidering, quite carefully exactly what sort of degree seems really meaningful to you? It’s also an excellent bonus if your degree is immediately and self-evidently going to be useful for your future career of choice.


Certain degrees such as an MBA, whether an online MBA or one which involves in-person classes, will, of course, be targeted towards established professionals who already know exactly what it is they want out of their career, and who have the focus, means, and experience to set their sights accordingly.


Many other degree programs, however, will be tangentially useful, or will benefit you in the form of transferable skills, a degree of respectability, or as a signifier of your intellectual capacities and work ethic.


Perhaps the most significant metric you should keep in mind when choosing your degree is “meaning”. That is, choose a subject that you find meaningful and worth the work, because, for one thing, that significantly increases the odds that you will be driven to work diligently on the subject, will enjoy the experience, and will be making progress on a track that you find emotionally fulfilling.


Develop a clear vision of where you want to be in the near future, and orient yourself accordingly


Many students famously have absolutely no idea of what it is they want to do once they graduate, or, to put it more condescendingly, of “what they want to be when they grow up.”


Of course, it’s very likely that you will not have your future clearly mapped out as a late teenager — and even if you do have it mapped out at that age, your map should probably be altered a lot over the coming years, as your knowledge and insight expands.


But that doesn’t mean that you shouldn’t have a clear vision of where you want to be in the near future, when embarking on your studies. In fact, failing to have that kind of clear idea is a surefire way of sabotaging yourself in dramatic and cataclysmic fashion.


You simply need a goal to commit yourself to, and orient yourself towards. It will help you stay on track, it will give you clarity of purpose on a daily basis, and it will save you from wasting time and floating around, confused. The trick is that your first goal doesn’t have to be your final goal. Set yourself a target, an ambition, and work diligently towards it. Later, as needed, you can revise your goal. But you can’t afford to wander blindly through your studies and expect to get the most out of them.


What are you striving for? What are you working towards?

Focus on identifying and implementing positive habits during your studies


What you learn at University is one major element of the degree to which your degree will benefit you in the future, obviously. But the habits that you develop during your student years are arguably just as important for your overall success down the line.


Authors Charles Duhigg and James Clear have both written extensive works on the importance of habit, and both underline the fact that it’s the incremental progress that you make each day that assures you enduring success down the line; not singular mammoth bursts of effort.


Duhigg, in particular, refers to the concept of “keystone habits”, by which he means habits which have a disproportionately positive effect on your life as a whole, and on your other habits, too.


Identifying and developing positive keystone habits in your life as a student will, in many ways, give you “a headstart on life.” If, while all your peers are sleeping in until mid-afternoon every other day, you can keep a consistent early-morning wake-up time, you’re already on track to be well ahead of the pack.

Get used to following a certain self-imposed structure and routine, don’t be too chaotic


As alluded to in the previous point on habits; University students tend to be pretty chaotic people, caught in a pretty chaotic environment. Parties rage day and night, meals arrive at irregular intervals, social obligations dictate much of the structure of any given day, and assignments are often burned through in record time at the last possible moment.


The thing is, once you accustom yourself to a chaotic lifestyle, it can be very difficult to regain a meaningful degree of order in your life, once you graduate.


And, suffice to say, professional success depends, to a large degree, on your ability to be diligent, disciplined, and conscientious.


Get used to following a certain self-imposed structure and routine in your student years, and you’ll be in good stead to carve out a potent professional niche for yourself once you graduate.

Review: GOOD TO GO Soft Baked Bars

Monday, October 12, 2020

 Review by : Erika




With rapid rising demand of high protein, low carb snack options, check out GOODTO GO. They contain low net carbs (3-4 grams/bar), just a hint of sugar (1-2 grams/bar), a whopping 13 grams of healthy plant-based fats, and a great source of protein (5-6g grams/bar).


They come in 8 flavors: Vanilla Almond, Raspberry Lemon, Cocoa Coconut, Cinnamon Pecan and newest flavors launched in 2020, Strawberry Macadamia Nut, Chocolate Mint, Blueberry Cashew, Double Chocolate





Erika really enjoyed GoodTo Go soft baked bars! They are a tasty, healthy snack that she says she can have any time of day without feeling guilty afterwards.

Erika tells us  "I'm a sucker for anything soft baked and I love that you can break off pieces for sharing! There's a wide variety of flavours so there's something for everyone. You can't go wrong with GoodTo Go soft baked bars!"


SRP: $2.99 per single bar, or $24.99 per box of 9 bars 

How To Decorate Your Home

For most people with no design experience, choosing decor for your home can be a daunting task. There are a multitude of choices in colours, patterns, objects and odds and ends to choose from, making people spoiled for choice in all the wrong ways. It can be difficult to put time and effort into design, especially when you would rather be doing more exciting activities.

Consider trying a new design theme to reinvent your home. A coastal-themed living room or bedroom can add aesthetic appeal and character to your living area and, not to mention, improve the atmosphere of any space. Beach-inspired accessories and decorations, with their soothing colors and patterns, can transform a room, adding a light, relaxing vibe. This makes coastal-themed designs perfect for family rooms or personal spaces.



One tip to make designing your home more fun is to multi-task design and planning with playing mobilepokies on mobile casino apps. It is an easy and convenient way to play and keep you spirits high all while getting your creative design spirits flowing. There is even the potential to fund your home decor with your winnings!

When it comes to the actual design it is important to consider the following basic design tips. When choosing accessories such as pillows, ornaments, and more. Consider the rules of threes. Using an odd number, like three, is a great way to create a visual aesthetic.

It is also important to find and establish the focal point in your room. This can be as big as a wall, or as small as a window or mirror. Having a centre and focal point that stands out creates balance in the room.

Sometimes when it comes to design, less is actually more. Avoid cluttering the space with excessive space fillers and furniture. Having too many things in the space can make the room smaller and feel overwhelming. Just like in your favourite online casino games, too much clutter and noise can be distracting and aggravating.

Following these basic principles will help you to create a comfortable home to enjoy. When you have this and your favourite online games available from home, there is no need to ever leave. If you are a fan of online slots, visit Jackpots casino for mobile casino apps. 

Financial Abuse is a Big Part of Domestic Violence, but You Can Protect Yourself!

Tuesday, October 6, 2020

By Kim Scouller





October is Domestic Violence Awareness Month. One in four women will experience domestic violence at some point in her life and 99% of victims will also suffer financial abuse. In fact, it’s for financial reasons that many women stay in abusive relationships. They become consumed with thoughts like, “If I leave I won’t be able to make ends meet,” “This might not be an ideal situation but he supports me financially,” and, “If I walkaway my credit will be destroyed forever.”


It’s important that all women understand one very important fact: You should never stay in an abusive relationship or continue to be the victim of domestic violence because of money reasons. You can recover financially, and you can learn to make it on your own. Even if you feel overwhelmed, don’t know where to begin or can’t see the light at the end of the tunnel, you just need to get out.


How can you help avoid becoming the victim of financial abuse? I’ve worked with hundreds of clients over the years and here are my best tips.


Be involved with the finances


I meet with many couples and one of the biggest mistakes I see time and again is one person knows everything about the financial picture while the other person in the relationship is totally in the dark. Even in the healthiest relationships, it is imperative that both parties know exactly what is going on. At the very least, know the basics like how much money is coming in each month, where it is being spent, how much is in savings and investments, if the credit cards are being paid off, have access to and review the bank account, etc. This also helps protect you from becoming a victim of financial abuse if things ever take a turn for the worst.


Look for the red flags


Common signs of financial abuse include: the abuser drains the bank account, denies or limits access to money and information about money, hides assets, demands a detailed accounting of how money is spent, criticizes financial decisions, threatens to withhold money, forces the victim to miss or be late for work, belittles the victim’s accomplishments, and physically injures the victim to prevent her from going to work or school.


Talk about the problem


It’s understandable for women to want to stay quiet and not let others find out about what they are going through. This makes things worse, not better. Women need to come together and speak out because your story and the steps you took to regain your financial footing could be exactly what can help another woman during this difficult time in her life. This is not something that anybody should have to go through alone. When women come together and support one another, we are stronger.


Learning how money works


Unfortunately, we aren’t taught basic financial principles in school, and sadly, many women stay in abusive relationship because of money. You don’t have to be a financial professional to learn how to become financially free, build a savings, learn about basic investment strategies or how to make your money grow. There are many books and online resources that can help you get started.


Putting a personal financial safety plan in place

Almost every aspect of leaving an abusive situation involves money. Even after they leave, many victims carry the burden of bad credit, judgement liens, bankruptcies and back taxes for years. This is why it is crucial to have an individual financial safety plan in place that can carry you at least six months and help pay bills, rent, insurance and other expenses.


The takeaway


As we recognize Domestic Violence Awareness Month, please make sure to take care of yourself. If you are in a dangerous situation, get help immediately.


If you need help with your finances, find a financial professional who can help, or at the very least, talk to someone who can help you get on the right track. Self-education is another great way to go and there are many wonderful financial resources available to you. Whatever you do, remember you are not alone and there is plenty of help available out there.



Kim Scouller is a WealthWave financial professional, financial literacy advocate and attorney. To learn more, visit https://wealthwave.com/kimscouller

Chef's Plate Giveaway! Canada Only

Sunday, October 4, 2020


If you're on Instagram be sure to check out our Chef's Plate Giveaway! I've teamed up with my daughter @exclusivelyerika to give TWO lucky followers a chance to win a @chefsplate box. Valued up to $75! Valid for new customers only.

Be sure to check out @oneincomedollar and @exclusivelyerika and get your entry in today!.

Giveaway closes October 25 @ 11:59 MST

See giveaway rules on Instagram.

Hail Ended Up Costed Us In Damages

Saturday, October 3, 2020


We never realized till Gerry was up on the RV today that our cover for our AC on the RV, was damaged by the hail storm we had a week or two ago. 

Unfortunately, despite having insurance on the RV, the damage is less than our $700 deductible, but will still be setting us back over $300 for a new cover for it...not too happy about having to be set back that much for a piece of plastic.





Live in the Vibrant City of Chicago, IL – Benefits You Should Know About

Thursday, October 1, 2020

 


Often referred to as "The Windy City," Chicago is the third-largest city in the United States, with nearly 2.8 million residents. Ever since it was founded in the year 1837, the city has contributed majorly to the growth and development of the United States' culture, economy, history, and political landscape. Apart from history, the socio-economic sphere and diverse population make it a perfect place to call your home. Dotted with some of the world-famous pubs, restaurants, hotels, bars, museums, schools, colleges, historic monuments, parks, gardens, and more, Chicago ensures that it has everything a city resident can ask for. 

Live in the scenic Lakeview neighborhood to enjoy the beauty of the serene lake or in the posh and conveniently connected Lincoln Park or in the West Loop area that is known for top city restaurants and art galleries. Logan Square, Pilsen, Wickr Park, Gold Coast, Andersonville are other notable areas where you can consider buying or renting a house if you're planning to move to Chicago. 

Using an online apartment search resource such as Zumper makes it easier for prospective settlers to find a suitable apartment in Chicago within their budget and at the location that is convenient for them. The best part of using Zumper is that you can scroll through Chicago's map and see the current rental rates for apartments along with photos and other apartment details. It can be particularly difficult for someone new to Chicago to find an affordable place at a convenient location. Still, Zumper makes it not only easy but also swift to find feasible apartments. 

But what are the pros of living in Chicago? Benefits that you should know about?

Well-Connected

Transport is never a problem in Chicago as it has the second-largest train transit system in the country. Apart from trains, buses are available for all the possible routes. Even the city's suburbs are well-connected, and the best part, both trains and bus fares, is affordable. Even walking around is fun as you explore the beautiful and historic architecture of Chicago. 

Diverse Food 

Often touted as one of the best cities in the world when it comes to food, you'll find a huge variety of traditional, cultural, folk, modern, and global cuisines here. From the globally famous Chicago hot-dogs to deep dish pizzas and from Asian restaurants to modern pubs, bars, and lounges, there is no shortage of street food or fine-dine experience that you can hog on. 

Trade and Commerce Hub

Since the time of its inception, Chicago has been a major business hub of the United States. Some of the top companies amongst the Fortune 500 list have their headquarters in the city. As the ninth richest city in the world, there are ample job and business opportunities for people who are passionate and determined. 

Lake Michigan

Even though Chicago doesn't have ocean beaches, this shortcoming is countered by the presence of Lake Michigan. It has many lake beaches, and the fact that the lake flows backward is a surprising sight in itself. It is one of the world's largest lakes and presents a wonderful view and hosts of activities to enjoy on weekends. Find an apartment in your budget on Zumper today to enjoy the world of activities and lovely lifestyle this city has to offer. 

Parks and Outdoor Space

With more than 500 parks, gardens, and natural areas, Chicago boasts of being one of the best cities to live in the world. No matter which area of Chicago you prefer to settle in, there would always be a park or natural area a couple of minutes away. Some of the notable parks are Lincoln Park, Grant Park, Oz Park, Millennium Park, and more. 

These are just a few of the reasons why you should consider making Chicago your home, even though the actual list is possibly endless. If you are relocating to Chicago or planning to move in soon, make this endeavor much easier by using apartment search resource such as Zumper to find an apartment at fine locations at budget-friendly prices. Zumper updates its inventory in real-time to be sure of quality listing always. You can also set an alert as per your specific preferences like bedroom count, price range, location, and amenities to get instant notifications. Submit your application online at Zumper and get started with finding your dream home today. See you at Lincoln Park soon!

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