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11 Genius Money Saving Tips From the Experts

I am sure that most of us want to save money money in life. I know I do! Too often we say that we will start saving once we get…

I am sure that most of us want to save money money in life. I know I do! Too often we say that we will start saving once we get a raise or sometime in the future.

This can make it so that we never actually start saving money. The fastest way to start saving money is by just making it happen. This can seem like an impossible thing to do if you are living paycheck to paycheck.

Don’t worry, the experts have some great tips that you can use to find ways of cutting expenses so that you can start saving money quick. Even if you can only start by saving just a little bit, it will eventually add up. Let’s start saving today! 

Money Saving Tips 

1. Lower your grocery bill

You might not think that this is possible, but there are ways that you can cut down your grocery bill. First, make sure that you check to see what you already have in your pantry before you head to the store. 

Next, plan your meals ahead of time. This will help you know exactly what ingredients to by that you will actually be using. You don’t want to waste money on on things you don’t really need.

Then, when you are at the store stick to your list, don’t buy extras. You will be surprised at how much this will help you in grocery store savings each month. 

2. Cancel automatic subscriptions 

I am sure we all have at least one automatic subscription or membership. Check your monthly statement and see if there are any subscription services that you could cancel. This is a quick and easy way to start saving some money. 

3. Buy generic or on sale

Check the sales before you head out to the store. When you are shopping make sure you look at the prices and compare the price of different brands. Store brands are just as good and they are often priced much lower. 

You might only save a couple cents per item. This may not seem like much, but you add up a couple cents or dollars per item and times it by all the items you buy in a month, it will be a huge savings.

I like to check store apps to see if they have any special coupons before I go shopping. Sometimes you can save an extra 20% or more. I prefer the apps since its easier than cutting coupons and I can check them right when I am in the store parking lot. 

4. Cancel your cable 

This is a quick way you can save an extra hundred bucks a month. Do you really need cable service? The experts suggest canceling your cable but keeping your internet. You can always watch videos on Youtube, Netflix, or Hulu for much cheaper. 

5. Automatic transfer into savings

When you get your paycheck its too easy to spend it all right away. Instead you should save first, and then stick to your budget and spend what is left.

To save you an extra step of transferring money to savings, just set up an automatic transfer. It doesn’t have to be a large amount, even if you are on a tight budget, just set it up for a few dollars.

6. Use any extra unexpected money to pay down debt

Get a tax return or unexpected bonus at work? Don’t just waste the extra money. Instead experts suggest that you use any extra money to pay off debt. This will help you save money each month in interest fees. 

If you haven’t looked at your credit card statement lately, look at your interest charge per month. It’s about average for a credit card with a couple thousand dollars to cost about $60 or more in interest every month.

If you could get the credit card paid off, that would be $60 a month that you could save. If you have more than one card, it adds up to even more of a savings. 

7. Reduce energy costs

One bill that does change every month is your energy bill. Are there things you could do to keep this down? Some ideas might be to lower your thermostat in the winter, or set it higher in the summers. Think about ways you could save water, cut back on laundry, and turn off lights when not in the room. 

8. Eat at home

Just by eating at home you will save a ton of money each month. Going out to eat for lunch or dinner might be convent, but the cost really adds up quick. The experts suggest planing your meals and making sure that you are eating at home, or packing your lunches as much as possible. 

9. Lower cell phone bill

How much a month do you pay for your cell phone bill? There are great services out there for as low as $50 a month that included unlimited text, data, and calls. If you are paying more than this you should check into other service providers and get switched over to start saving today.

10. Fix it yourself before buying something new

When something breaks, it’s easy to just go out an buy a new one. Experts suggest that the next time something break, see if you can fix it yourself. There are so many youtube videos and diy websites on fixing things where you can just follow along.

Sometimes when an appliance breaks it just needs a new part, and instead of buying a new washer or dryer you could just buy a new part for much cheaper.

Don’t want to fix it yourself, check online in your town, there might be appliance repair services that will come to your house to fix things for you. This might cost you more than fixing it yourself, but you will still be saving money.

11. Sell things that you don’t need

Have extra things in your house that you don’t use? Maybe even an extra car or an RV. Take inventory of things that you could get rid of. This could cut down on insurance costs for vehicles, and it could put money in your savings account. 

Even things like clothes or household items could be sold to get some extra money to pay of debt and help you to save some money. I love this tip since it also helps you to keep your house clean. You are cleaning up and saving money! 

If you don’t have extra money, it can seem so hard to start saving. Just pick a couple of these tips and stick to them and you will be surprised at how much progress that you see in your savings. 

I know once I start seeing progress it motivates me to try harder. Even if you can start by saving a few dollars ever week, at least you are getting started. Sometimes that hardest part is getting started! I hope that these tips motivate you and that start saving some money and paying off debt.

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22 Short Good Morning Captions For Instagram Pictures

Looking for a creative way to say good morning on your Instagram? The start of a new day is always the chance to begin again. Check out these short but…

Looking for a creative way to say good morning on your Instagram? The start of a new day is always the chance to begin again. Check out these short but cute good morning captions for Instagram pictures. 

Good Morning Captions 

Good morning sunshine

Today is a good day for a good day

Today is a good day to smile

Good morning, make it a great day

A little hello to start off your day

Everyday is a new beginning

Have a beautiful day!

Start your morning with a smile

I hope your day is amazing as you are

Today is going to be a great day

Good morning, have a lovely day

Deep breath. It’s a new day

Today is a new beginning

Rise and Shine

Good morning everyone

Today is a great, positive, beautiful day

Everyday is a choice, let’s choose to be happy

If you are going to rise, you might as well shine

Enjoy today

Good morning, make it an awesome day

Wishing you a good morning

Today is a new day

I hope that you get to enjoy each new morning and that these good morning captions for Instagram are the perfect touch to all your pictures. Always remember…. everyday is a new beginning.

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11 Habits of People That Always Have Clean Homes

Cleaning house! It’s something that we all have to do. It can be hard to stay on top of keeping the house clean but there are certain things that you…

Cleaning house! It’s something that we all have to do. It can be hard to stay on top of keeping the house clean but there are certain things that you can add into your routine to keep your house cleaner and save time. 

There’s always that one person that seems to have a nice clean home every time you visit. What’s the secret? Here are the top habits of people that always have a clean home. They are easy and quick and will have your house looking great.

Clean Home Habits

1. Make your bed first thing in the morning

This is such a simple and quick little thing that you can add to your morning routine. If you start your day out right by making the bed you have already set a tone for the day.

Getting in the habit of making your bed right after you get up makes your room look nice and clean all the time. Plus, who doesn’t love crawling into a nicely made bed at the end of a long day. 

2. Do at least one load of laundry every day

Your home will look cleaner because you wont have dirty clothes and full hampers. By doing just a load a day you won’t have to take an entire day a week to do laundry. Leaving you more time and less dirty laundry around the house. 

3. Straighten things up before bed 

Take just a couple minutes to go through the house and quickly put anything laying out away. This helps to keep the clutter under control and its nice to wake up in the morning knowing your house is a bit cleaner. 

4. Clean things as you go

If you get a few things out, then just put them back when you are done. Using a blanket, fold it up and put it away. Doing a craft at the table, clean it up when you are done. Cleaning things up as you make a mess is great for keeping your house looking tidy.

5. Get your papers organized

I am sure you have a ton of papers that you get everyday. Don’t just pile them up on the counter. Instead, create a place to store them all. Get a paper organizer and separate them out as you get them each day. 

6. Have a place for coats and shoes

People that have clean homes normally have a place for everything. Create a spot where you will store shoes, hang coats, and backpacks so that you can get in the habit of putting them where they go. 

7. Vacuum and sweep at least every other day

Floors can get dirty quick. When your floors look clean it makes your entire house look cleaner. Get in the habit of doing a quick vacuum and sweep as much as possible. Your house will always be presentable and it saves time in the long run since you don’t have to take a full day a week to clean. 

8. Wash the dishes after using them 

This is one habit of people that have clean homes that you will want to start doing. It might take some time to get in the routine, but your kitchen will look much cleaner. When your kitchen is clean it just makes the whole house feel cleaner. 

9. Get rid of things you don’t need

I am sure you have a ton of stuff that you don’t really use or need that is just taking up space and causing clutter in your home. People with clean homes regularly go through and get rid of things that are no longer used. 

10. Don’t store things on the counters

If you want your home to look nice and clean make sure that you don’t have stuff on your counters. Create storage space in your cabinets and put things away that you don’t need right away like toasters, or blenders.

It’s amazing how just having clutter free counter and table space can make your home look clean. 

11. Have a spot for everything

People with clean homes have a place for everything. This might take some organizing and getting rid of things to accomplish. After you get it all organized it will be much easier to keep your home looking clean every day. 

Keeping your home clean might feel impossible, but just start by adding one of two of these habits to your daily routine and you will start to see a cleaner home.

These tips also save time. You won’t have to spend an entire day or weekend cleaning since you will be doing a little each day. I hope that these ideas inspire you to develop some new habits and a cleaner home. 

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5 Instagram Story Ideas for Sunsets Pictures You Will Want To Try

There is nothing better than an amazing sunset to end the day. Pink skies are my favorite and I think we should all take more time to watch the sunset. …

There is nothing better than an amazing sunset to end the day. Pink skies are my favorite and I think we should all take more time to watch the sunset. 

Have your own sunset pictures? Check out these Instagram story ideas that were edited using only the instagram app. Also I have a great list of sunset Instagram captions if you need some caption ideas.

Instagram Story Ideas for Sunsets

#1 Beautiful sunset – I love this one because it’s simple and easy to make and you can still see most of the photo.

#2 Sun Style – This is also really simple to make. Just use the wide tip marker to draw sun, erase the middle with a large eraser and place the word “sunset” in the middle.

I also like that this one shows the date and location. Would be perfect for a travel sunset picture.

#3 Cherish every sunset – This one is a bit harder to make but still not that bad. The doodles are made using just the fine tip marker by making first a heart and then an arrow.

#4 Sunset is my favorite color – This one perfect for your golden hour photo. Not to hard to make. The sun part is made using the fine tip marker. The other fonts are made using the same color scheme as the photo.

#5 Pink skies sunset – This one is fun and colorful. I love pinks, blues, and pastels. Just make the sun using the fine tip marker and use the eraser to erase the sun rays.

I hope that these story ideas for sunset edits inspire you to create all the best stories for your instagram sunset pictures. Remember…. every sunset is beautiful 🙂

Want to try making your own sunset Instagram stories? Check out this video:

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21 Of The Best Self Care Ideas To Try at Home

Self-care helps you to create positive feelings and a healthy relationship with yourself. When you take the time to practice self-care you are reminding yourself that your needs are important…

Self-care helps you to create positive feelings and a healthy relationship with yourself. When you take the time to practice self-care you are reminding yourself that your needs are important in life. 

We all get so busy that we can sometimes forget to stop and take time for ourselves and this can cause use to be stressed, fatigued, get sick, and put a strain on our relationship.

In as little as 10 minutes a day you can be sure that you are taking care of yourself. Here are some of my favorite self-care ideas you can try at home. 

Self-Care Ideas 

1. Write down all the things you are grateful for

Start taking some time to write down all the things that you are grateful for. It can even be be little things. It will make you feel more positive. Plus, what you focus on gets better, so lets focus on all the good. 

2. Look through old family photos

It’s so fun to look through all our old family photos. It makes you feel good to remember all the great memories of your family and friends. You might even want to start a fun project like a photo book. 

3. Watch a tv show that makes your laugh

Sometimes all we need is a good laugh to feel great. Take some time to watch your favorite funny movies or youtube videos that make you laugh. Laughter releases positive chemicals in your body that makes you feel less stressed and positive. 

4. Put clean sheets on your bed

I love the feeling of getting into bed to crisp and clean sheets after the end of a long day. Take some time to wash your sheets and get them feeling nice and crisp so that you can look forward to crawling into bed at night. 

5. Light yard work

Just getting outside and taking some time in your yard or garden can be important for your self-care. I love to go out and smell my roses and trim up my rose bushes and I don’t know why, but I always feel great afterward. So get outside and try it out for yourself. 

7. Guided meditation

This can be a great way to get your body relaxed. We all have so much stress in our lives, this stress can be carried in our bodies. I always know I need to do this when my neck muscles get tight and tense. Taking time to relax our bodies and minds can do amazing things for our physical and mental health. 

I normally use guided meditation videos on youtube or meditation apps on my phone. Even 5 minutes will be beneficial. You don’t have to do it for a long time to see benefits. 

8. Watch the Birds Outside

Take sometime to just watch the birds. It seems like a odd thing to do for self care, but it really is relaxing and helps you to forget your problems for a bit and focus on the cute little birds. 

9. Catch up With an Old Friend

Have an old friend that you just haven’t had time to talk to in awhile? Take some time to reach out to them reconnect.

10. Get up early and watch the sun rise

When’s the last time that you got up early and watched the sunrise? Take time for yourself, wake up early and find the best spot in your house to watch the sunrise.

There is something so peaceful about watching the sun come up when everything is still peaceful and calm around you. 

Want to start your day off with a positive mindset? Here are my favorite simple but strong positive inspirational quotes.

11. Drink some hot tea or coffee

What is your favorite drink? I am obsessed with coffee! Take some time out of your day to make your favorite drink and just sit down and relax and really enjoy it. 

self care

12. Organize something you have been putting off

Have that pile of papers or drawer that you have been put off organizing. This at first might seem like work more than self care, but after you get it done you will be able to relax and feel great. Plus, you won’t have to think about it anymore. 

13. Do some stretching or yoga

This can help you physically and mentally. Stretching is great to help relax your muscles and it releases positive endorphins into your body to help you feel great! 

14. Take a detox bath

Take some time for a detox bath. I love to use epsom salt and essential oils. This is a great self care idea and it will help you to relax your body and mind and feel refreshed.

15. Learn or try something new

Has there always been something that you have wanted to learn? Make the time for yourself to learn it. It’s fun and exciting to learn something new. 

16. Unplug for the day

Sometimes it can be nice and refreshing just to unplug and take some screen free time. Take a break from social media or electronics and it will clear your mind. 

17. Turn up your favorite music

Find you favorite song or play list and listen to it at home. I know that my favorite songs make me feel so energized and I instantly start to feel more positive. 

18. De-clutter

Take some time to minimize your home. Too much clutter in your living space can make your mind feel cluttered too. Spend sometime cleaning and organizing your home and you will be amazed at how much more relaxed you will feel when you are done.

19. Get moving

Exercise is one of the best self-care routines that you can get started with. It makes your mind and body healthy and strong since it releases endorphins. You can do this right from you home too. Watch free videos on youtube, use fitness apps, or stream online workouts. 

20. Clear your schedule

When you have a ton of things to do your mind is thinking about everything that needs to get done. Give yourself and your mind a break by making a day where you don’t have anything scheduled and just go with the flow.

21. Give yourself time to relax

Set a certain time aside each day that is your time for self-care. A time where you don’t have anything going on and you can just relax and destress. Even if it’s only 5 minutes a day, your body and mind will thank you. Set a recurring timer on your phone to remind you. 

You are important and so is your self-care. So make sure that you remember to take the time care for yourself so that you can feel positive and strengthen your physical and mental health.

I hope that these self care ideas for when you are at home help you to get some ideas of what you can start doing today to practice self-care. Keep it simple, practice it daily, and live your life to the fullest. 

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