Tag Archives: Saving Money

May 8, 2021 · 4:05 pm

Using Promo Codes to Invest in the Perfect Mattress

One thing that everyone needs in order to aid their overall health and wellbeing is proper sleep. However, there are lots of people who struggle with sleep for a variety of reasons. One of the common reasons why people struggle is because they are trying to get their essential rest on a poor-quality mattress that not only makes it difficult to get to sleep but also results in aches and pains when they get up.

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If you want to improve your sleep, health and wellbeing, and overall life quality, investing in a high-quality mattress is vital. A mattress is not just something that you lie down on – it is something that can affect many aspects of your life, so you need to ensure it is comfortable, suitable, and supportive. While high-quality mattresses are not always cheap, one thing you can do is to cut the cost without cutting quality by using promotional codes such as Casper promo codes.

Choosing the Perfect Mattress

By using promotional codes, you can enjoy far more choice when it comes to mattresses. This is because you will find that many more options are within your budget thanks to the savings you make with these promo codes. So, all you need to decide then is which mattress is the right one for your needs. In order to do this, you need to look at a few key factors such as:

The Size You Need

Of course, you need to consider what size mattress you need, so this is the first thing to consider. If you have the space in your bedroom, you may want to consider upgrading to a bigger bed for greater comfort and more space. For instance, if you currently sleep alone in a single bed, you may want to opt for a double. If you have a double bed, you could consider a king. It depends on the space available and your needs. However, using promo codes certainly makes it more affordable to upgrade to a bigger size frame and mattress.

Mattress Type

There are various different mattress types that you can choose from such as pocket spring, memory foam, latex, and hybrid, to name but a few. So, make sure you do some research into the different mattress options to help you to decide which of these is going to be the right choice for your specific needs. The mattress type you choose can affect everything from the support levels you get and how cool you are at night to your overall comfort levels.

Support Level

People have different needs when it comes to the amount of support they need from their mattresses. While some people require firm support there are others that only want medium support and prefer a softer mattress option. So, think about what sort of support level is right for your needs in order to make the right choice.

Looking at these factors can help you to choose the right mattress more easily.

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This is a collaborative post. The ideas expressed are not necessarily those of Mommy Ramblings.

Saving Money On Your Next Home Move

It’s stressful moving to a new home. There is a lot you need to think about, from finding a new place to live, to packing everything up, to selling your current home. One of the more stressful aspects of moving however is simply the costs. There are many costs associated with moving, and if you aren’t careful, they can quickly skyrocket.

In an effort to help you with this, here are a few ways you can cut costs on your next move and make it a little more affordable. Hopefully, by reducing the costs, you’ll also be able to lessen some of the stress.

Compare Local Movers

First up, you should take the time to compare prices of local moving companies. Moving is a big job, and you’re probably not going to be able to do it alone. Having a team of professional and experienced movers on your side can make your day run smoother, and take a lot of the stress off of your shoulders. However, when you’re looking for a moving team, you’ll also want to consider the price.

Different movers charge different prices for your job. The bright side is most of them will provide you with a free estimate before you sign any papers. Using this estimate you can compare the costs of different movers in your area, and then select one that you can afford. Your goal is to find a mover that is both qualified for the job, but also affordable. For more information on finding a good mover, you can check out www.aandamoving.com.

Buy Supplies in Bulk

Next, you’re going to need some supplies in order to move. Boxes, bags, storage tubs, markers, bubble wrap and tape are all common supplies for moving jobs. You’re going to need more than you think though, so it’s a good idea to buy your supplies in bulk. By buying in bulk you can get a discount and save yourself a few dollars. When moving, it’s better to have too many supplies than too few. You don’t want to find out the night before you move that you don’t have enough boxes to fit everything, and suddenly you’re making a run to get more instead of packing.

Find Some Free Supplies

In some cases, you can even get free supplies. Boxes in particular, are easy to find for free, if you know where to look. One great place to check is a local grocery store or supermarket. These places get shipments all the time, but they don’t need all of the boxes. Rather than throwing them away, they’ll often give them to anyone who comes by and asks. You may not be able to fit all of your things in free boxes, but if it means having to buy a few less, it’s worth the trip.

Do as Much as You Can Yourself

When you’re in negotiations with a mover, they will tell you about all the services they provide. While it can be tempting to let your mover handle everything, you can save a lot of money if you’re willing to do some of the work on your own.

For instance, pack up your own belongings. If you give yourself plenty of time, you should be able to properly pack away all of your things before the movers arrive. Another thing you can do is help the movers load the truck. Many movers charge by the hour, so if you can speed up the process a little by helping out, it’ll save you some money. Grab some friends and at least move all of the boxes in your home closer to the exit, so that the movers can load the truck faster.

Stay Organized

Finally, the key to a successful move is organization. If you’re not organized, things take longer and are more likely to go wrong. This results in you having to spend more money. To keep yourself organized, create a moving checklist of things you need to do, and have it handy at all times. This will allow you to check things off as you complete them or add new things as they pop into your head throughout the day.

Look for Shortcuts, But Don’t Sacrifice Quality

When trying to save money on their move, many people look for shortcuts. While this is sometimes good, you don’t want to sacrifice quality. Don’t use old boxes that are about to rip just because they’re free. Don’t hire movers with no experience just because they are the cheapest. And don’t try to rush your move too much, or you may find someone ends up injured.

By taking your time and exploring your options however, you should find that you are able to not only save money on your move but ensure a smooth and safe process at the same time. Good luck!

This is a collaborative guest post. The views and ideas expressed do not necessarily represent those of Mommy Ramblings.

5 Practical Ways to Save in the New Year

With the new year just around the corner, you might find yourself thinking about resolutions. Is financial freedom part of those resolutions? If so, having a well-defined savings plan is one of the surest ways for you to reach your short or long-term financial goals.

Even with the best intentions, saving money is not as easy as it sounds. How many times have unexpected expenses popped up and depleted your savings? Having a solid savings plan and sticking to it, will enable you to realize your goals effortlessly. Here are some expert tips to help you create a savings plan for the new year.

Set Your Goals

It is hard to succeed without a goal. Knowing your destination before embarking on a journey helps you avoid distractions and arrive on time. This is also the case with saving. The first and major step towards saving is knowing what you are saving for.

Maybe it’s the latest TV, tropical vacation or that gourmet kitchen you have been dreaming about. Perhaps you need to save for retirement or your child’s college education. Clearly stating these goals, will give you the vision and motivation to save.

When defining your goals, it’s possible to end up with a long list of things you want to save for. No worries, just go over the list and prioritize them. The best way to do this, is to categorize them according to their urgency. Then, separate long-term goals from short-term goals. When this is done, it will be easy to know what to start saving for first.

Set the Amount and Deadline for Your Goals

You already know what you are saving for, but that’s not all you need to get started. If you are not sure of the cost of your goal or fail to set a timeline, you may be setting yourself up to fail.

Imagine saving money for your dream vacation only to find out you underestimated the cost. What a huge disappointment that would be to learn you now have to wait months or more longer.

Eliminate any unpleasant surprises by finding out what your goal will cost right after you set it. Having this information will enable you to come up with a specific amount of money that needs to be deposited in your savings account weekly or monthly to reach your goal.

For example, let’s say you want to purchase a car that cost $23,000 by the end of the year. If you want to save monthly, you would need to save about $1,917 per month for the next 12 months to reach your goal and get your car. Knowing the cost of your goals and setting a deadline helps you plan and save more efficiently.

Evaluate Your Current Financial Position

You can’t save what you don’t have. Doing a through analysis of your income and expenses will give you a clear picture of what you are able to save each month. If you have a substantial amount of money left after you pay your necessary expenses, saving will be almost effortless. However, if you are living paycheck to paycheck, saving will be almost impossible.

Make Changes

If you find yourself discouraged due to the fact, you have little to no surplus money to save, there are some things you can try.

Reduce the cost of your target goal; take the car for example, you will need to find a different vehicle , one that will fit your budget.
Extend the deadline of your goal; if you are set on that car, you will have to extend your deadline. If you increase your timeline to 2 years, the amount you need to set aside each month, is cut in half.
Change your spending habits; do away with unnecessary expenses.

Have an Emergency Fund

You never know when an urgent and unavoidable financial need might arise. Setting aside some money to deal with such issues will help you stick to your savings plan.

Sometimes when people are faced with emergency financial needs, they prefer to dip into their savings rather than take out a loan. They will argue that loans from high interest short-term companies like lend up, net credit , cash net USA or nation21loans.com will result in more expenses, unlike the savings. When this becomes routine every time an emergency arises, it ends up depleting their savings and forces them to abandon their savings plan.

To avoid this pitfall, try setting aside some funds that are to be used specifically for financial emergencies, so you can stay on track with saving for your goal.

Automate Your Savings Deposits

It is unlikely for you to spend what you do not have in hand. “Pay yourself first” is an idiom that you might have heard before. It means that you should deposit money in your savings before you spend it on anything else. However, you might find it is harder to do when you have that money in your hand.

A great solution is to set up direct deposit of funds into your savings account. When you do this, you put your savings plan on auto pilot and ensure you stay on track to reach your goal.

Get SMART

The tips above will let you create a SMART new year’s savings plan (Specific Measurable Attainable Realistic and Timely).

Specific: You have set a goal and know what you are saving towards.
Measurable: You have determined and know how much your goal will cost
Attainable/Realistic: An evaluation of your current financial status confirms you can save for the goal.
Timely: You have set a deadline for your goal.

With a solid savings plan, you are on your way to achieving your financial goals and attaining financial freedom.

This is a collaborative guest post. The views and ideas do not necessarily represent those of Mommy Ramblings.

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April 5, 2018 · 11:07 pm

Rethinking the Way You Budget in Two Simple Steps

Learning how to put money aside for when you need it can often prove to be a difficult endeavor. Most people make saving a priority but that does not mean it is a straightforward path for everyone. If you make the same amount of money each month, you may feel like you do not have the extra cash available to save. While this might be true to the naked eye, a little bit of effort can reveal all sorts of appealing and practical tactics for saving money and still covering your monthly expenses.

Provide yourself with some useful tips by looking over some of these suggestions for how to save. By taking the right steps, you might find it is much easier to start saving money for your future than you had believed.

Step One: Your Car

Before you look at other areas of your budget, you want to start with your car. Most families own at least one vehicle in the current day and age. While your cars provide you with a sense of freedom and the ability to take on daily responsibilities with success, automobiles also eat away at a budget easier than most other investments. If your car is costing you more than you would like, it might be a good time to start thinking about how you can adjust the amount of money you spend on keeping it roadworthy.

For many, this comes down to changing insurance policies. When your car is costing you an arm and a leg, you want to slow down and look over how much you spend on your plan. Reaching out to another insurance agency for quotes can help you to learn more about your options. If you find that you can save more by switching providers, then you might want to take advantage of this option and see what type of impact it has on your budget moving forward. Speak with an agent and get a more well-rounded understanding of your choices.

Step Two: Your Lifestyle

How you live your life is also going to hold sway over how much money you spend daily. Some people work long hours which can lead to a lot of time spent away from the home. The more time you spend in the office, the less likely it is you are able to bring meals from home to eat when you get a break. Spending money on food is one of the easiest ways people waste money. Instead of buying lunch or dinner to eat at your desk, try to get into the habit of bringing it from home.

To stop extraneous spending, you need to take a look at your life and see where you need to do the most work. This is a long journey that will often require a lot of attention and patience from you. Following the above steps will help to give you a solid understanding of how to begin your journey. Once the ball is rolling, it will be up to you to make sure it gains momentum and helps you to save money for your future in sensible ways.

This is a sponsored guest post that does not necessarily represent the views or ideals of Mommy Ramblings.

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September 27, 2017 · 1:41 pm

Budgeting For A Family Is Hard With Debt

Starting a family and raising kids is expensive. Being part of a family, and properly providing for everyone, isn’t something that generally leaves you with a lot of money to spare. Disposable incomes have largely dried up in the last thirty years. If you want to stay out of debt, you’ve got to be frugal.

Unfortunately, many people starting out don’t realize the costs involved in having a family. They continue to spend money the way they did before having children and soon fall into debt.

If you’ve already got debt hanging over your head, getting what you want requires going deeper into debt. Many understand this in an esoteric way, but it doesn’t hit home immediately. It is not hard to understand, how they soon find themselves tens of thousands of dollars “in the red”, as the saying goes.

Living Beneath Your Means

The key to being debt free as a family is to live beneath your means. You want to prepare meals at home using ingredients that were purchased as cost-effectively as possible. You want to avoid making big purchases that will put you deeper into debt, and cut unnecessary spending.

If you live beneath your means long enough, you’ll be able to buy that new car or new appliances. On the contrary, if you don’t live beneath your means, you will be lucky if you can finance an older car.

Many who have neglected living under their means, have found themselves in steep debt. If you want to get out, you’re going to have to exercise some serious discipline. You can start small. Cut out the fast food, cut out the expensive coffees and cut expenses related to entertainment.

Use the internet. Get a library card. Pursue cost-saving activities that don’t require a lot of money. If your family goes to Starbucks twice a week and gets a five-dollar coffee for everybody, a four-person household could be spending $40 a week on coffee alone, that is $160 a month. Cut that out, find a better way. Make the coffee at home.

Additional Areas Of Savings

Next, look at your other expenses. One drastic, but effective, step you might take, could be to sell the mortgage on your home. This may not be ideal, but a four-person household can comfortably live in a two-bedroom apartment. Additionally, you can get about the same floor space in a “tiny home”.

If you sell your mortgage and put the money into a tiny home, then all you’re paying annually are property taxes—which will likely be much diminished from what they were. You can do this for a few years to get out of credit card and loan debt, then upgrade to a larger house once the big debts are paid off.

You could also visit sites like www.debtacademy.com to find debt solutions so you and your family can live a debt-free life. Consulting professionals can help you identify areas of spending that can be cut from the budget, resulting in a quicker way out of debt.

Overcoming The Worst-Case Scenario

Still, there will always be situations where no amount of cost-effective living can overcome debt. In these scenarios, you may want to seek outside help through crowdfunding campaigns on Plumfund for example.

Between cutting unnecessary costs, seeking professional assistance, and getting funding through the crowdfunding when those methods don’t work, you can get out of debt; it just may take time.