Ending the Paycheck to Paycheck Cycle

>> Jan 1, 2020

Many people who make a decent salary still find themselves dealing with financial ruin. They live paycheck to paycheck with no end in sight. The good news is that you can break free of this vicious cycle and finally achieve financial wealth. 
Establishing a Budget 

A budget may seem insignificant; however, that piece of paper provides a lot of information. It gives you insight into the amount of money you owe out and to whom you owe it. It also lets you see in clear and undisputed black and white where you spend your money. This information will help you change your spending habits. 

Sticking to a Budget 

Of course, a budget only works if you stick to it. If you stay the course (no matter how difficult) the first few weeks might be, in the end, you'll have money set aside for things such as emergencies, a vacation, and your retirement. 

First Steps to Financial Freedom 

One of the best ways to achieve financial freedom is to pay down your debt. There are several methods you can use that will provide the same outcome. You can take the credit card with the highest interest rate and put your extra money towards it every month. Or you can take the card with the lowest balance and pay that one off first. If you have equity in your home, you can also refinance the loan and use that money to pay down as much of your credit card debt and personal loans as you can. 

Getting Smart with Your Money 

In order to stay the course and keep your debt under control, you'll also need to view money differently. After all, you worked hard for it. Instead of just giving it away, think about what you spend your money on and whether or not it's worth it. For example, let’s look at your cable bill. Do you really need all those channels or can you scale back? Or, better yet, consider whether or not you can do without cable completely. There are other service providers such as Hulu or Netflix who offer rates that are more reasonable. The same goes for your car insurance. Do your research to make sure you’re getting the best deal. To check out other companies, click here to see if another company’s rates are better. 

Places You Can Save Money 

Ok, so you may not be able to negotiate your school’s tuition. However, you can lower your weekly food shopping bill. Many people still don't pay attention to prices. It's time to get frugal and start keeping more of your money. You don't have to sacrifice on quality or quantity, you just have to learn to shop. Use the weekly flyers from your local supermarkets and compare the prices. You should also visit one of the many sites that let you print coupons for free. Every penny counts and, if you cut back on your food bill, you'll free up monies that you can apply to your debt. 

Reel it In 

If you frequently order take-out, stop for coffee on the fly, and make buying your lunch a daily habit, you're using up a lot of money each week.  While your life is hectic and you may not have the time to prepare meals or bring your coffee, spending your extra cash will prevent you from achieving a comfortable lifestyle. Instead, learn to compromise. Instead of buying coffee each day, limit yourself to 2 days of the week, and do the same with ordering lunch. As for ordering take-out, limit it to once or twice a month, as a special treat. 

If you currently live paycheck to paycheck, your money is never really yours. By establishing and sticking to a budget, eliminating services you don't really need, and developing a newfound respect for your money, you will achieve financial success.


The Rodeway Inn North, Sandusky

At A Glance:

Featuring 65 guestrooms, Rodeway Inn North offers modern facilities. Harboring gym, you can have a drink of relaxing cocktails at the bar. Stay connected and keep in touch with your loved ones with complimentary wireless internet access available.

Reserve your hotel room at Rodeway Inn North with Reservations.com

You Should Know:

·         Self-parking is complimentary
·         Free wireless internet access
·         24-hour front desk and reception
·         Self-serve laundry available onsite
·         Outdoor swimming pools and indoor pool available onsite
·         Air-conditioned guestrooms with minibars
·         Housekeeping is offered daily and turndown

In and Around:

·         Appreciate art works and pieces at the Follet House Museum
·         Stroll around the Eleutheros Cooke House and Garden
·         Just a few distance away from the Firelands Hospital
·         Stay connected and keep in touch with provided internet access
·         Have a swim at hotel’s indoor pool
·         Go sightseeing around the area
·         Within a close distance to Rain Water Park Complex


How To Hire A House Painter

>> Nov 14, 2019

Most people feel that painting is an easy job and they can do it themselves, but often the results are not as professional as they want it to be. Ask any person who has undertaken a DIY painting of their home, if they would do it again or would they hire a professional painter, the predominant answer would be, hire a professional painter. The following points will help you do just that.
Set up an initial meeting: You need to call professional contractors and ask them to visit your home. A good painting contractor will review your home completely and then provide an estimate based on the present condition of the house. You can also converse with them and get to know more about their company, the number of people working, the experience of the people who will do the job etc. You should also let the painter know what you require as this will help them provide an estimate of the cost. Most people feel that more the number of coats, the better the result. It is a misconception, the better the surface is prepared, the better the result, so make sure that the contractor speaks about treating imperfections and unevenness etc. Ask the contractor to provide an estimate on paper with details such as the type of paint and brand being used, the type of primer being used, the cost of labour etc. Additionally find out if the contractor has all the necessary licences to do the job. It is also important to find out if the painting crew has the necessary insurance.

Ask for references: A good contractor will not be averse to providing references, recently I had hired Triangle Painting and they provided a list of references and their website had a full gallery of past work. You can also check out past work of the contractor and see if the work is good. Not just references you should also check if the contractor is a member of any local groups or if they are in the BBB (Better Business Bureau) etc. If the contractor is listed in such groups you can be sure that the level of work and commitment will be good.

Guarantee on paper: Ask the painter to provide a guarantee that they will review and set right future peeling or flaking or fading of paint. They should do this for free or for a nominal fee. Some contractors may try to wriggle out of the proposition by saying that the paint has a warranty but you need to get the guarantee on paper because labour costs can be very high.

The paint: You have a choice of letting the contractor buy the paint or you can do so yourself. Choosing the paint on your own is the better option because you can select the best paints, the ones that are free from lead, the ones that breathe etc.


About This Blog and Me!

Welcome to my blog. I'm a home maker, a stay at home wife. I'm just an ordinary woman who has interest in reading, working at home and learning to write. We live in Bogor, Indonesia.
This blog contains articles in family topic.
Contact me at linalg4@gmail.com

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