Top 10 Easy Budget-Friendly Crafts for Fall

Spend some time this Fall making fun crafts that are easy on your wallet. Decorate your home and make exciting costumes with the whole family! Simple and easy instructions make spending time crafting a breeze. From beautiful fall lanterns your kids will love to DIY gifts for your friends and family, this fall will be the craftiest of them all.

Ditch the DIY crafts with long lists of expensive items to buy. These top 8 crafts for fall have 5 components or less each and are inexpensive to purchase. With these ideas, cheap doesn’t mean tacky or clunky. Each one of these fall crafts is fun, fabulous, and easy to make. Try making them with your friends, family, or co-workers!

1.   Fall Leaf Lanterns

Nothing says fall like leaves and warm light. This project is simple, easy, and ecological. All you need are a couple of cheap items from your local dollar store and some fall leaves. It’s impossible to mess up and a great activity to do with kids! Try this idea out for a centerpiece on your table or on top of the fireplace.

For this craft you’ll need:

  • A mason jar or vase
  • Modge Podge
  • Leaves from outside
  • A paintbrush
  • Tealights

2.   DIY Fox Ears Headband

Looking for an easy DIY costume? You can easily make this no-sew costume with a few simple items. This versatile craft can be used to make all different types of animal ears for endless possibilities. This costume project can be made with low-cost materials like felt, plastic headbands, and hot glue. Easy enough to make with children and fun!

For this craft you’ll need:

  • Felt
  • Hot glue
  • Thin plastic headband
  • Scissors
  • Sharpie

3.   Crayon Drip Pumpkins

If you have kiddos in the house then no doubt you have crayons. Possibly even hundreds of broken crayons, which is perfect because they’re exactly what they need for this project! This beautiful way to recycle crayons and decorate for fall is cheap and simple, perfect for everyone. Make rainbows, stick to your favorite shades, or go monochromatic. Try it out this week!

For this craft you’ll need:

  • Pumpkins
  • Crayons
  • A hairdryer

4.   Mummy Candles

Super cute candle holders are just a few steps away! These spooky little mummies are simple and fun to make. An excellent choice for little ones and great for brightening up the house for movie night, these mummies will light up the night. Get ready to spend an afternoon of fun making these little guys and prepare to bask in the glow!

For this craft you’ll need:

  • Mason jars
  • Large googly eyes
  • First aid gauze
  • Tealights
  • Hot glue

5.   Fairy House Jack-O-Lantern

Creating a fun fairy house out of your jack-o-lanterns is a great way to use biodegradable ingredients. For this simple project, all you need is a pumpkin, a carving knife, a tealight, and a good imagination. You can add your own personal style to this craft with paint, flowers, and maybe some glitter too. Create a whole fairy garden with your family this fall!

For this craft you’ll need:

  • Pumpkins
  • A carving knife
  • Tealights
  • Decorations

6.   DIY Coffee Cup Candles

This craft makes for a great gift for the holidays or a decoration. Transform your old mugs into wonderful candles with your choice of essential oil. You’ll be surprised at how easy candle-making can be with a few cheap ingredients from your local craft store and a whole lot of fun. Customize your signature scent and light up your home with candles that will impress your friends!

For this craft you’ll need:

  • Candle wax flakes
  • Scented oil
  • Candle wicks
  • Mugs
  • A pot

7.   Easy DIY Bat Costume

If you or your kiddo need a costume in a hurry, this easy DIY bat costume is the perfect project for you. You can easily put together this costume with simple sewing or alternatively hot glue. Making this costume for the whole family will undoubtedly win any costume contest. Get ready for tons of batty fun and adorable memories!

For this craft you’ll need:

  • 1.5 yards of black fabric of your choice
  • 6 inches of elastic
  • Thick black fabric (or felt)
  • Hot glue or a needle and thread

8.   $4 Dollar Tree DIY Halloween Wreath

Decorate your door with a festive Halloween wreath! You can make it spooky, leafy, or even witchy. It’s all up to you and your local dollar store. You’ll be amazed at how festive and fun these cost-effective decorations can be. All you have to do is piece them together and you’ve got a brand new wreath you can use year after year. With easy wreaths like this, everyone can decorate their own!

For this craft you’ll need:

  • A wreath form
  • A Halloween door sign (or fall-themed)
  • Garlands
  • Hot glue

9.   Happy Fall Wooden Entry Sign

Make your entryway as cute as can be with this adorable wooden entry sign. This craft is cheap to make and can be tailored to your liking as you see fit. Go crazy with paint, ribbon, fabric, and more! This project is great for the whole family. You can each make your own or collaborate on one big sign altogether. Your creation awaits!

For this craft you’ll need:

  • Wood background for the sign
  • Paint
  • Hot glue
  • Lettering template
  • The decor of your choosing

10.   Book Page Leaf Garland

Enjoy this classy-looking garland that is great for the entire fall season. Great for kids that are able to cut with scissors, this garland will liven up any room. For next to nothing, your entryway, mantle, bookcase, or door frame will look beautiful when you add this finishing touch. Take it a step further and stamp the leaves with fall colors or throw in a bit of synthetic greenery.

For this craft you’ll need:

  • Old books
  • Cardstock
  • Elmer’s glue
  • Hot glue
  • Floral wire

Spending time making crafts this fall is a wonderful way to bond as a family and enjoy decorating together. There’s something about making things yourself that provides a sense of accomplishment. Making these crafts will be fun, exciting, and won’t break the bank. It’s a win-win-win all around. Try your hand at any of these simple and easy projects and you’ll have a fall to remember!

Top 10 Things To Do in October on a Budget

Bored in October? You don’t have to be! Just because the days are getting cooler doesn’t mean you can’t still have loads of fun.

Of course, with the holidays just around the corner, many people tighten up on the money front. They know that Black Friday is coming, then holiday gifts and spending a lot of money in October isn’t always wise.

The good news is that you can have your cake and eat it too. Check out these 10 budget activities that are perfect to do in October!

1. Decorate for Fall

Get in the spirit for Halloween and decorate your house near the beginning of October. With all the fallen leaves, cheap pumpkins, apples, and other items on hand, it’s easy to make your own decorations quite cheaply.

Stuff some old clothes with newspaper or straw to set a scarecrow on your porch. Paint his face on a pumpkin head or stuffed burlap sack.

Place a pumpkin spice candle in a bowl and surround it with colored sand for an inexpensive, yet elegant centerpiece. Create a garland with colorful fallen leaves to frame windows and doors.

The list of ideas goes on and on. Plus, there are plenty of fall crafts you can do with your kids!

2. Make Your Own Pumpkin Spice Latte

For many people fall wouldn’t be fall without a generous serving of pumpkin spice latte — multiple times. Unfortunately, supporting a fancy coffee habit gets expensive quickly.

This idea gives you something fun to do on a cold afternoon as well as helps you save money. Once you learn how to make your own pumpkin spice latte, you won’t have to stop by the coffee stand once or twice — or thrice — every day.

Here’s a delightful recipe to get you started!

3. Road Trip!

In many areas of the US, October is a delightful time to take a road trip. The hills are on fire as the trees burst into brilliant shades of red, yellow, and orange.

Not sure where there is a pretty drive in your area? There are online tools you can use to help find a route.

If there is a quaint town with a historic district nearby, you can turn it into a day trip. Wander along the streets and get lost in a simpler time. Keep an eye out for photo ops! You’ll find one around every corner in a charming spot in small-town America.

4. Go For a Hike/Bike Ride

Summer gets all the attention when it comes to activities like hiking and biking, but the reality is that October is the perfect time for them. The weather is cool enough that you won’t get overheated as you work up a sweat, but not so cold that it is uncomfortable to breathe.

As a bonus, it’s also another great way to enjoy the fall foliage. Hikes typically take you to a high point where you will have a breath-taking reward for all your hard work on the trail. Many also have scenic spots along the way to tease the appetite.

If good hiking hills are scarce in your area or you have small children, go for a bike ride instead. Strap a seat on the back of your bike or use one of those little trailers to haul your kids plus snacks.

Don’t have the equipment and don’t want to spend the money on it? Ask around amongst your friends. Chances are, somebody has a bicycle they’d be willing to lend you.

5. Host a Potluck Party

Potlucks are such a fabulous way to get together with your favorite people without dumping too much work on your shoulders (or spending too much money). Invite a few of your friends and have everybody bring their favorite fall dish.

You’ll have plenty of food to go around without all the work and expense that tends to come with parties.

To add some extra intrigue, make it a themed party. You could choose a certain type of food, perhaps ethnic dishes like French or Indian. Or you could choose a party theme like fall or Halloween. Add a prize for the best dish or costume to inspire a little friendly competition.

6. Try Some Pumpkin Recipes

Did you know that you can use pumpkin in almost everything when it comes to baking and cooking? Pumpkin can go in cakes, cookies, donuts, pies, soups, hummus, cheesecake, and so much more!

Pumpkins are cheap and readily available anywhere at this time of year. Don’t be intimidated by them, it’s actually really easy to cook with pumpkin. Furthermore, pumpkin is really good for you (as long as you don’t add buckets of sugar to the dish).

Plus, you have to eat anyway, so why not make a fun activity out of it? Have a baking day with your kids and prepare all sorts of warm pumpkin spice dishes and desserts. Freeze what you won’t eat right away for quick snacks and meals. You’ll be thanking yourself for a few easy dinners during the busy holiday season!

7. Scary Movie-Thon

Now that you have all these pumpkin sweets on hand, gear up for Halloween with a scary movie night. There are tons of classic family movies like Ghostbusters or Halloweentown that are fun to rewatch with your kids.

Adults might like something a bit more thrilling and there are plenty of movies to choose from in that department. Pro tip: scary movies make great date movies — your date won’t let go of your hand the whole evening!

8. Scary Book-a-Thon

Are you a reader? Rainy October evenings are the perfect time to curl up with a good book and enjoy a night in. Make yourself a pumpkin spice latte and grab one of the pumpkin treats you made and settle in for some well-deserved me-time.

To get in the spirit of the season, choose a thriller or scary book (think Stephen King’s classics).

9. Park Picnic

October days offer some of the last chances most of us will have to enjoy a meal outdoors until spring. Once November rolls in, the temperatures are officially too low to have an enjoyable picnic.

Grab your sweetie and pick a sunny spot at your local park to lay out a picnic blanket and have a delightful meal. Bring a frisbee or ball to play with your kids or furry friends. Summer days are fading away and you’ve got to savor it to the last possible moment.

10. Marshmallow Roast

If you’ve got a fire pit out back, this is the perfect way to spend a fall evening outdoors. Grab some marshmallows, your favorite chocolate bar, and some graham crackers. Then, challenge your family to who can roast the perfect marshmallow.

Don’t have a firepit? Not a problem, get creative and roast marshmallows over the stove or find out what happens when you put a marshmallow in the microwave! (Just have some warm soapy water on hand to get it cleaned up quickly).

Having Fun does not mean Spending Tons of Money

There are plenty of ways that you can have fun in October without spending a ton of money. Some of the ideas we’ve presented on this list are even money-saving when you do it right!

So enjoy this month, enjoy life, and let us know what other ideas you come up with in the comments!

Fall Bucket List

Autumn is officially upon us and soon the hustle and bustle of the holiday season will be here. But in the meantime, what are some fun things you can do with your loved ones during the fall?

We’ve rounded up a fantastic list of must-do fall activities that you will absolutely love. The best thing is…they won’t break the bank. Because no one has to spend a bunch of money to have fun, Check out these ideas here!

1. Go Camping

Winter is on the horizon and this is the last chance you’ll have for a while to enjoy time outdoors without shivering the whole time. Make the most of it and take one last camping trip of the year.

Leave the iPads and Netflix behind and spend some time in nature. Scientists are discovering an ever-increasing list of physical and mental health benefits of spending time outdoors. Feeling skeptical? Just ask anyone who has spent some well-needed time in nature.

Worried about spending too much money on the trip? There are lots of places where you can camp for free!

National and state parks tend to be pricey, but you can camp in national forests, grasslands, and the Bureau of Land Management lands for free. You just have to be willing to forego amenities like bathrooms and showers.

2. Camp in Your Backyard

If camping in the wilderness is a little too adventurous for you, keep it closer to home. Camping in the backyard is also free and can be an exciting adventure. It also comes with a big bonus — it is accompanied by electricity and running water.

Regardless of where you camp, be sure to build up a nice fire, swap ghost stories, and roast marshmallows. There’s something mesmerizing about watching the crackles and pops of the flames while enjoying that sticky, chocolatey goodness.

Couple that with spending time with your loved ones and this is an experience you won’t soon forget.

3. Road Trip!

Camping might not be your thing, but a road trip might catch your fancy. Fall is a wonderful time for a family drive, particularly out in the country where the colorful fall leaves are on full display.

You can make it a day trip that will only cost you some gas, or book an inexpensive Airbnb in a nearby town. This is a particularly great idea if you can find a quaint little town nearby.

Go on a walking tour of the area, enjoying the fresh air and small-town atmosphere. Walk through the historic section to check out the old houses and wonder at days gone by. Stop in at the local cafe for a slice of homemade apple or blackberry pie.

You might be surprised at how relaxing it can be to get out of the hustle and bustle of the city for a little while.

4. Go Hiking

Autumn is the perfect time to go hiking. During summer, hiking gets really hot and sweaty. Fall weather is cool enough to make your trek pleasant, but not so cold that you’re fighting numb toes and fingers.

Plus, when you get to the top, the colorful vista before you will make the hike more than worth it.

5. Participate in a 5K Walk/Run

Another great way to get exercise is to participate in a 5K walk/run. It’s almost guaranteed there will be one going on somewhere nearby. Organizers like to take advantage of the pleasant fall weather for events like these.

The entrance fee for community race events is generally pretty low. Plus, many of these races are put on to raise money for a local non-profit. In that case, your entry fee will be tax-deductible.

Furthermore, you can help with the fundraising by encouraging others to participate in the race with you, or sponsor your ticket if they’d prefer.

Helping others is always rewarding and you get a fun day out of the deal as well!

6. Fall Festival

There is more than one way to party in the fall. From Oktoberfest to harvest parties to Halloween parties, there is something for everyone.

The entrance fees are usually pretty cheap, and some are even free to get in. You’ll have to pay for refreshments, games, and candied apples, or you can just stroll around and enjoy the atmosphere.

For bigger savings, consider volunteering at the event or joining the organizing committee. Usually you’ll get a few tickets as a thank you, plus the satisfaction of being a part of something that brings joy to others.

7. Make Your Own Halloween Costume

September is almost gone already and Halloween will be upon us before we know it! Get prepared (and save some money) by making your own Halloween costumes this year.

Storebought costumes can get pricey, especially if you want something that looks halfway decent. But your local thrift store is your friend when it comes to making your own costume. Get a little creative and you can craft something exquisite out of a few cheap thrift store finds.

Plus, you’ll have a whole lot of fun with your family digging through the bins and browsing the racks, looking for the perfect materials. It’s almost like you’re on a search for buried treasure!

Wondering what kinds of costumes you could possibly find at a thrift store? Here’s a big list of ideas to get you started!

8. Scary Movie Marathon

Planning to stay in on Halloween? Or maybe you’re getting in the spirit before the big night comes. Regardless, having a scary movie marathon with your family can be frightful fun!

Get some fall delights like apple cider and pumpkin donuts to enjoy while watching witchy classics like Hocus Pocus or Ghostbusters.

9. Pumpkin Carving

Pumpkin carving is perhaps the quintessential fall activity. Start the adventure by taking the whole family to the supermarket to pick out their favorite pumpkin. You can pick up cheap carving kits almost anywhere this time of year. If you don’t want to buy anything, kitchen knives, pocket knives, and any other sharp tools work for carving as well.

If you have small children, you might paint the pumpkins instead of carving them. Regardless, it’s an inexpensive activity with a bonus — the finished products serve as decoration for Halloween!

Pro tip: don’t throw away the seeds, save them to make roasted pumpkin seeds. They make a delicious snack to go with your movie marathon.

10. Make a Gratitude List

Thanksgiving is just around the corner, it doesn’t hurt to sit down and think about the things you’re thankful for. This activity doesn’t cost a dime but the riches you receive from it are priceless.

Make it a fun time with your family. Take lunch to the park for one last picnic and make your lists there. Talk about the good things that have happened this year and the hopes you have for the next one.

No matter how much life knocks you down, there is always a reason to smile. Sometimes you just have to actively look for it.

Ways to Save on New Summer/Fall Clothes

What’s in your closet?

Time flies and we’re already more than halfway through summer. Fall will soon be upon us and you may be ready to change up your look this year.

Buying new clothes, though fun, gets expensive. What if we told you there was a way to buy new clothes without spending tons of money?

There is! Five ways, in fact. And we’re going to share them with you here.

1. Clothing Swaps

Clothing swaps are a great place to get free (or very inexpensive) gently used clothing. Attendees clean out their closets and bring clothing they don’t want anymore to swap with other attendees.

Some communities host large clothing swaps where dozens or hundreds of people come together to make swaps. Check your local Facebook group or other places that post community information to find out if anyone is hosting one anytime soon.

Even if your community isn’t hosting one, you can always organize one with your friends.

2. Thrift Stores

Local thrift stores or consignment shops are both fantastic places to find gently-used clothing. Sometimes you can even snag brand-new clothing with the tags still on it!

If you visit a thrift store, be prepared to spend some time digging. Many thrift stores are only marginally organized and some just dump the clothes in a pile or a bin and let customers dig through.

The reward can be worth the effort, though. Regardless of what you find, it will generally cost far less than what you would pay anywhere else.

An extra bonus about both these ideas is that you are helping to save the planet. Over 11 million tons of textile waste goes to the landfill each year. The bulk of that waste is from discarded clothing — much of which is still perfectly usable.

3. Sales, Discounts, and Coupons

Buying or swapping used clothing isn’t the only way to refresh your closet cheaply. You can also get brand-new clothing at certain stores for about the same price or less than you might pay at the thrift store.

What is this sorcery!?

Don’t worry, there’s no magic involved. Just a few coupons, gift cards, and a bit of savvy savings knowledge.

Start with a little online research. Sometimes you can buy gift cards to clothing stores for less than the face value of the card. The savings might not be tremendous (maybe $5 off a $200 gift card) but it adds up.

Next, look for coupons in your local newspaper, online, or in magazines. Finally, plan your shopping trip to coincide with a big sale day.

You can also check out the clearance racks at your favorite low-priced clothing stores. We’re talking places like Target, Kohls, H&M, Forever 21, and the like. Plus, if you’ve got some coupons or discounted gift cards to add on top, you can save even more.

4. Shop Online

Not everyone enjoys shopping online as much as they do going to the store. After all, you can’t try items on or touch the fabric to see what it feels like through your computer screen. However, it can be a way to score some great deals on clothing.

Plus, services like Amazon Prime allow you to try before you buy. Shipping is free and you only pay for the items you decide to keep.

Another great option is eBay, just be sure you’re buying brands you recognize. Knock-off clothing shows up frequently online and what you get is not exactly what you expected from the cute picture.

If you get something that wasn’t what you expected, you can always list the item yourself and resell it. You can also use this technique with the clothes you buy at the thrift store. If you play your cards right, you might buy a shirt for $5 at the thrift store, use it for a few months, then sell it for $12 on eBay!

If that’s not savvy shopping, we don’t know what is!

5. Plan Your Purchases

Another way to save money on clothing is to carefully think about the pieces that you buy. Instead of buying whatever random clothing strikes your fancy, plan your outfits and purchase versatile clothing that can play a part in several outfits.

Going to the store with a plan in place can also help you limit impulse buys for clothes that you don’t really need.

Saving Money on Clothing

Sometimes it feels impossible to keep up with all the latest trends. Shopping for new clothes is always so much fun, but paying for them isn’t.

However, by carefully choosing where you buy your clothes, shopping the sales, and being willing to buy second-hand clothing, you can get some killer deals on new and new-to-you clothing!

Money Saving Tips for Back To School Shopping

Wow! Where did the summer go? It seems like school just got out a few weeks ago and now it’s already time to think about back-to-school shopping!

Don’t let that list and the upcoming hit to your budget get you down. There are plenty of ways to get cheap school supplies. Let’s look at our top tips for saving money on school supplies starting with the free ones!

1. Browse at Home First

How many promo pens and pencils do you have stuffed in a drawer someplace? Quite a few? There are the pens your kids can take to school! Plus, when they inevitably lose those pens, it won’t be as frustrating because they were free.

Some supplies don’t need to be rebought each year. Rummage around to find last year’s items like calculators, rulers, pencil bags or boxes, and backpacks. Dust them off and they’ll be as good as new to accompany your child to school!

2. Swapping Spree

Don’t stop by just inventorying your house. Get together with friends, neighbors, and other kids in your child’s class and have them do the same. It’s likely that you’ll have extras of something they are short on.

Families can swap their excess items to reduce waste and reduce their back-to-school shopping bills.

3. Make a List and Set a Budget

We’ve given you a couple of ideas of how to get stuff for free. Now it’s time to make a list of what else is necessary.

There will be lots of things your kids will want that aren’t absolutely necessary. Prioritize necessary items first and then add some of the wants that your kids have.

Take the opportunity to sit down with your kids and chat about the value of money. Show them the budget you have set to spend on school supplies and explain the limitations of what you can buy.

Inevitably, they will want more than just the basics but stick to your set budget. If they want anything extra, they can buy it themselves, or you both can get creative about reducing the amount you spend on the essentials. Keep reading for a few ways to do that.

4. Shop the Sales

Stores will offer ridiculous back-to-school shopping deals on certain items to get you in the store. For example, 10-cent crayons, 50-cent binders, etc. The point is to get you in the door because most people will get lazy and buy everything at one place.

Don’t do that if you want to save money.

Examine the ads before you go shopping and create a plan of attack. At each store, only buy the things on sale.

5. Shop on a Tax-Free Holiday

Raise your hand if you love paying taxes!

No one…okay.

Then don’t pay taxes on your school supplies by shopping on a tax-free holiday. Many states offer these around back-to-school time. Take advantage of this event for those big-ticket items like a new laptop, but buy all your supplies on the right day and you can save as much as 10% off your bill.

Keep in mind that these events usually apply for clothing and shoes and other items so be prepared for some serious savings.

6. Stay in the Zone and Buy Only the Things On Your List

Once you get in the store, there will be lots of banners, display stands, bright colors, and more vying for your attention. Their singular purpose is to get you to buy more than you planned on buying.

Put on your blinders and stick to your plan of attack. If you take your kids with you, be firm about only buying the things on your list.

You can choose to allow them one or two extra items or allow them to buy their own extras. Just make sure to tell them that before you walk into the store. If it sounds like you’re making exceptions, they’ll be incessant about everything they want.

7. Buy Quality Items

The whole point of this post is to save money on school supplies, but this is one spot where it makes sense to spend a little more.

Cheap items break easily and buying replacements usually ends up costing more in the long run. You’ll have to drive to the store again and won’t get to take advantage of the sales.

Invest in quality items, especially for things like backpacks that can be used for several years.

Of course, before sending your kids to school — label everything! That way, lost items are more likely to be found again.

Back-to-School Shopping…Go!

The little stuff like notebooks and colored pencils are easy to find at your local stores. But what about bigger ticket items like school furniture? Check out the amazing deals on school storage items here!

Celebrating The Country Opening Back Up, On a Budget

The COVID-19 pandemic meant that all of us were stuck home for the good part of last year. However, it was also a time that a lot of people saved money because there were fewer places to spend it. People stopped going on vacation, eating out, and spending money on other recreational activities.

With the country opening up again, the urge to spend crazy amounts of money may be strong. You’ve been stuck inside for so long that you want to enjoy this newfound freedom, right? Well luckily, you can do that while saving money too!

Here are a few tips that you can use to enjoy the country opening back up and still save money!

Budgeting 

Budgeting is an instrumental skill and, if done correctly, can help you get the most out of your income. Unfortunately, most people confuse budgeting and associate it negatively. They feel like budgeting means that they won’t be able to go out and have fun.

However, that’s simply not the case. If you budget your entertainment expenses, you’ll be able to enjoy yourself while maintaining a certain amount of your income as savings. The best thing about budgeting is that you need to know no real advanced techniques to start. 

With the advancement of technology, there are so many free applications that you can download that let you create a budget and track your spending at the same time. But, of course, if you don’t want to use any of these applications, you can just as easily manage with a pen, paper, and a calculator. 

Be Analytical 

When you’re looking to spend money after the pandemic, it’s a good idea to be very analytical about your purchasing decision. Being analytical means that you have a set series of questions you ask yourself before purchasing. 

The primary question that you should ask before making a purchase is how much utility the new product will provide. After that, ask yourself whether you already have a similar product. By being analytical, not only will you be able to make the most out of your budget, but you’ll also get excellent products. 

Tracking Spending 

It seems like an obvious tip when you state it in writing, but you’d be surprised at how many people skip out on tracking their spending. Without keeping track, you put yourself at significant risk of going over the budget. 

The main reason why many people don’t keep track of their spending is that they don’t understand how. Staying on top of it with a pen and notebook is too troublesome. A much easier way to keep track of your spending is by downloading an app for your smartphone. 

There are so many different options that you can choose between. If you want all the fancy features, a paid application is the best option. Most free ones contain enough about them to help do the job. By tracking your spending, you’ll always be able to stay on top of the budget you set. 

Tracking your spending also has another advantage. Most applications allow you to store your spending data and analyze it later. That’ll allow you to identify patterns in your spending and then make the necessary changes. 

Maintain Savings Goals 

Even though everything’s opening up again, it’s essential to ensure that you still maintain certain saving goals. The pandemic has given you a chance to build up a certain amount of savings. Instead of blowing out all these savings, use them to plan towards a future. 

That doesn’t mean you can’t enjoy yourself; set out a certain portion of your budget to entertain yourself, then set aside the other portion for your savings. There are two main types of goals that you can adopt, short-term or long-term. 

One option available to everyone for their savings needs is putting the money they’ve set aside in an IRA or a 529 savings plan. Even though they represent a certain amount of risk, they also represent an excellent opportunity for growth. With everything opening up, the economy is going to indicate significant growth in the short run. 

These long-term goals aren’t the only ones that you necessarily need to adopt. It’s even possible to take on smaller goals. For example, you can look forward to saving up to buy a new smartphone or maybe some designer clothes. Whatever your need may be, setting up saving goals is an excellent way to enjoy yourself while not fully losing control. 

Look for Ways to Treat Yourself 

One of the most effective ways to reign in yourself from overspending is by actually treating yourself. The desire to overspend after the pandemic primarily stems from the overall stress experienced during the lockdown. Therefore, by appropriately treating yourself, one can easily avoid the urge to overspend. 

While you were in lockdown, you likely managed to earn many loyalty credits on your reward programs. Now’s the time to use these loyalty credits and reward yourself. Use these points as much as you can to cover as much of the spending you can. 

That way, you’ll be able to treat yourself without having to spend too much money and deplete your savings too much. 

Invest in Yourself 

Instead of just trying to invest in yourself, another great option is to spend the money on stuff that would better yourself. For example, you could join a gym or a fitness program to help you get into the physique you desire. 

Or you could choose to invest in yourself by applying for specific online programs and certifications. By investing in yourself, you’ll put yourself in the best position to increase your earnings in the future. 

Resist the Urge to Spend Online

One of the worst habits that people developed during the pandemic is clicking on and buying stuff online. Its convenience is what makes the habit dangerous. Because it’s so easy and accessible to spend money online, people tend to do it recklessly without worrying. That means they can end up racking a huge credit bill without even realizing it. 

It’s essential to take a mindful approach when shopping online because if you don’t, you can easily overspend. Take a few minutes to ask yourself whether the product will provide you with a significant amount of utility before making your purchase. 

Streamline your Spending

There are many ways to streamline your spending to enjoy the benefits that modern-day technologies offer. For example, instead of spending significant amounts of money on a cable bill, you can choose to go with a Netflix or Amazon Prime subscription. 

Things like this can help you save a significant amount of money while living your best life!

While it’s important to treat yourself post-pandemic, those that aren’t careful can easily end up overspending and putting themselves in a bad position. By following these tips, consumers can ensure that they can spend in the best possible manner. As a result, you’ll save yourself from overspending post-pandemic with ease!

References:

https://www.aarp.org/money/budgeting-saving/info-2021/post-pandemic-spending-tips.html

https://www.usatoday.com/story/life/2021/03/19/covid-19-pandemic-100-things-were-going-do-when-its-over/4718619001/

https://www.cnbc.com/2021/06/08/how-to-resist-the-urge-to-splurge-in-a-post-pandemic-spending-spree.html

Save Money This Summer

Due to COVID-19 and quarantine, many people were able to save a lot of money on travel and other expenses. However, many other costly activities depleted our savings (such as the countless hours spent online shopping). As summer approaches, chances are your spending will increase due to extra utility bills, upcoming vacations, or other summer activities.

That’s why we wanted to give you 10 money-saving tips that will guarantee that you save a lot during the summer, while not missing out on any fun.

So, without further ado, let’s begin!


10 Money-Saving Tips For Summer

  1. Buy Your Groceries In Bulk
    This is one of the most useful tips that you can follow during the summer. Many people tend to just buy what they need at the moment and head home. However, buying your groceries this way dramatically increases your spending.

That’s why it’s always better to buy your groceries in bulk. Simply make a list of the things you’ll need for the next week or month. Then, head over to the store and buy in bulk. Buying bulk quantities is cheaper, and this will save you gas money since you won’t have to go to the store as much!

  1. Use Your Bike For Your Daily Errands
    Buying groceries is just one errand among many. There are many tasks that you will have to perform daily such as visiting your office, going out to eat, or going out to buy other essential stuff. Simply using your bike to go to places can save you a lot of money on gas, and it’s also more environmentally friendly.

Even though it tends to get hot in the summer, you can get a lot of vitamin D while out in the sun. Biking is also a great way to get your daily exercise in. Just ensure that you are wearing your helmet and other safety equipment!

  1. Start Gardening
    There are so many amazing benefits of gardening, such as saving money! A nice garden is pleasant to the eyes, but you can also grow fresh fruits and vegetables during the summer season. You can grow many vegetables such as cucumbers, beans, squashes, tomatoes, and peppers in the summer. So, you won’t need to splurge on crazy grocery store prices that tend to run high in the summer!

To save money through gardening, all you have to do is to make small investments in the seeds and plants that you want to grow. And of course, you will have to give a lot of care to your garden. But in the end, it will be worth it.

  1. Turn Off Your Air Conditioner
    Many people end up spending a significant amount of money in the summer on their utility bills when they can easily save all of that. Now, this doesn’t mean that you will have to sit in the heat this summer. Instead, you just have to know when to use your air conditioner and when not to. There will be some instances when you will have to use your air conditioner, but it doesn’t have to be on 24/7.

For instance, if the temperature at night is cooler, you can just leave your window open before you sleep. You can also maximize the cooling effect by installing exhaust fans in your home. Having a good ventilation system will eliminate the need for an air conditioner in many cases and will help you get a good sleep.

  1. Spend Time Outside
    Summertime is a good opportunity to spend time outdoors. Spending some time outside is one of the best ways to save your money on those pesky utility bills during summer. You can get some much-needed fresh air when you are outside playing a sport or just walking around your neighborhood.

If the area you live in tends to get really hot, you can wake up early in the morning to enjoy some time outdoors. Temperatures are usually cool earlier in the day, and there’s a lot you can do at this time! Whether it’s hiking, running, swimming, barbequing, camping, or walking your dog, it’s always good to spend time outside in summer.

  1. Cook Outdoors
    Another way to save money is to take your cooking outside. When you cook in the summers, heat tends to build up in your home and has nowhere to go to especially when you have a poor ventilation system. This can make your house warmer and cause your energy bills to rise.

That’s why you should take your stove or grill outside when you want to cook. This will not only save you a lot of money on utility bills, but it will also be more fun to cook outside.

  1. Clean Your AC filters
    Many people tend to overlook this important money-saving strategy. To put it simply, maintenance is essential if you want to save costs on repairs or replacements. A dirty air conditioner filter increases your cooling costs, restricts airflow, and undermines the efficiency of your air conditioner. A dirty air conditioner filter means a higher run time and thus a higher utility bill.

So, you should take the time to clean dirty air conditioner filters. Filters are also cheaply available in the market, and you can replace them if you want.

  1. Block The Heat Source
    Another simple strategy to save money and improve your summer experience is to block heat sources. This will save your money on utility bills and will reduce the sweltering heat in your home.

Close all the curtains or buy sunshades for your windows. Also, ensure that you are blocking all the other heat sources, such as glass panels, on your door.

  1. Air Dry Your Clothes
    One of the benefits of summer is that you don’t have to use your dryer to dry your laundry. This can save you a lot in terms of energy costs!

Simply start hanging your laundry outside with the help of a clothesline. The sun’s scorching heat will do the rest for you. This will not only dry your clothes but will also kill bacteria.

  1. Opt For A Staycation
    One of the best ways to save money this summer is by going for a staycation instead of a usual vacation. Even if you normally don’t find your area particularly interesting, it may still have a lot to offer if you look around.

Make a list of some popular destinations nearby and give them a visit. This could include zoos, museums, parks, or camping sites in your area. This summer will be a great opportunity for you to explore your area while also saving travel costs.

Summer is one of the best times of the year but also one of the most expensive. However, if you follow these tips and tricks, you can save a lot of cash this summer and make this season truly enjoyable for you and your family.

References:
https://biofriendlyplanet.com/green-alternatives/transportation/environmental-reasons-to-start-riding-your-bicycle-more/
https://gilmour.com/summer-vegetable-garden

Money saving tips and free activities for the spring and summer

In today’s post we are going to highlight some of the ways to save money this Spring and Summer. We will also be listing some free activities that are fun to do in the Spring and Summer as well!

Ride your bike: Bike riding is cheaper than paying for gas or for public transportation. It’s a bonus that it’s a great workout too!

Planting a Garden: You have to spend a little initially to buy gardening tools and seeds, but the return on your investment is huge! You’ll save money on groceries all summer long.

Cancel Your Gym Membership: If you’re a runner, walker or biker then the nice spring and summer months are the best time to cancel your gym membership. Exercising outside is enjoyable and saves you money!

Free Spring and Summer Activities:

  • Visit a public park
  • Go for a hike
  • Free concerts
  • Go to a beach (If you have one nearby)

We hope these suggestions and activities help you have an awesome Spring and Summer!

Saving more and spending less in 2021

If your New Years’ resolution was to save more money, then hopefully you’re off to a great start! However, If you’re struggling, here are some great suggestions on how to stay in the green this year.

Lower Your Utilities: Utility bills can start to add up in 2021. One way to reduce it is by replacing your light bulbs with LED bulbs. More on that here.

Buy Store Brand: Store brand products can potentially save you up to 30% off, and that is without using coupons. Pair those two together and you’ll be saving lots of money at the grocery store! It also helps when you buy in bulk. If you have the space, buying larger packages of goods or supplies can reduce the overall long term price.

Go Paperless: Lots of places where you may have bills offer a discount for you to pay online and receive paperless statements. With all the bills life throws at us, any additional discount helps.

Group Cell Phone Plan: Sharing a cell phone plan with roommates, friends or family can make everyone’s cell phone bill cheaper.

TV Re-evaluation: Maybe it’s time to take a look at those streaming packages and cable. Are you really using all those channels and providers? If not, see where you can downgrade or perhaps even cancel.

Hopefully these tips were helpful, and if you need a little extra cash we can help with that too! We offer installment loans. Installment loans are very simple. They are loans that are paid back conveniently in installments. Our loans may be paid back early at any time with no prepayment charges!

What makes us different than other companies, is that we have an easy applications, you receive quick results and you get your cash fast! Apply today, and feel free to chat with one of our live agents with any questions you may have. APPLY HERE