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How to build an emergency fund

By |August 17th, 2018|

How to Build an Emergency Fund: Tips and tricks to get you started!

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What is an emergency fund? It’s money that you have set aside to use for unexpected events and circumstances that life throws at you so you won’t take a big hit for it and you can still maintain your normal lifestyle. Here are some tips on how you can get started on building your emergency fund.

Don’t Get Overwhelmed: Start low on your initial target amount
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Setting too high of a goal can easily make you disheartened to continue saving up. Start on a more reasonable amount of just $500 or $1000.

That’s a goal that you can reach in just a few months (or even less if you’re in a good income situation) and yet it’s an amount that can make a huge difference when you have an emergency. Having you get to that initial goal will make you feel like you can continue saving up and feel even better about the idea of setting money aside.

What you’d want to do next is to break that goal down into smaller pieces. Set aside money on a weekly basis. This is money that you are not likely to miss, or money that you have extra from cutting back on splurges like lattes and other unnecessary purchases. You’ll find yourself with an emergency fund with a bigger amount without you even noticing it. Say you save $25 a week, you will then have a $250 emergency fund in just ten weeks, so you can set that as your overall goal, or increase it to $40 a week, which would bring you to the $500 goal in three months.

Bottomline is, your goal amount should challenge you just a bit, but should not be a number that’s simply unreachable.

Where can you get extra funds?

Request a rate reduction on your credit cards

If you’re carrying a credit card balance, getting your interest rate reduced will directly save you money each month. Call the number on the back of your credit card, ask to speak to a supervisor, and simply request that the rate be reduced. Suggest that you’re considering transferring your balance off of your credit card. You might also want to consider transferring that balance to a card with no interest for transfers, which can help you pay off that debt faster.

Make a Shopping List

Make a list before you shop. This is most commonly applicable when going to the grocery. When you go rogue and shop without a list, that is when you typically end up making impulse buys – stuff that you don’t actually need and will eventually go to waste.

Give Up or Transform one splurge per month

Instead of going out for an expensive dinner once a month, turn that dinner into a meal prepared at home. You’ll save more by preparing your own fancy dinner, you get to control the salt, sugar and fat that goes into your food, plus you learn and master new recipes. More feathers on your hat! Instead of going to an expensive coffee shop, why not brew yourself a cup of coffee in the morning, and take another cup with you when you go to work. You’ll save more money and rid yourself of the temptation of buying something that’s more sugar and whipped cream than real coffee. You could still maybe treat yourself to a cup once a month, if you really miss it.

Cut back on unnecessary monthly bills
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Netflix and magazine subscriptions? Check if you’re really using them. Otherwise, cut them out of your monthly spending budget. Are you paying for premium cable channels that you never watch? Are you subscribed to five monthly subscription boxes but only get good stuff out of two of them? You know what to do.


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20 products that belong in your travel bag

By |August 13th, 2018|

20 products that totally belong in your travel bag – and it won’t break your travel budget too!

Whether you’re traveling to see white sandy beaches or going on a camping trip, you should check out these items and you’ll see why you should take them along with you. Let’s be honest, an “I woke up like this” face isn’t really achieved without some sort of beauty product. And who doesn’t want to look good in pictures anyway, right? These products won’t break the bank and they will totally fit in your travel bag with lots of room to spare!

 


 

Sun protection

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Wear sunscreen! We’ll never get tired of emphasizing this part. Neutrogena makes the most lightweight sunscreen without leaving that dreaded white cast, so there’s no risk of looking like Casper in your photos.

Featured Item: Neutrogena UltraSheer Dry Touch Sunblock Broad Spectrum SPF 55

 

A wash of color and moisture

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For an on-the-go protected face, get this tinted moisturizer from Neutrogena. If you don’t want to lug around a separate moisturizer and face sunscreen, this product will keep you moisturized, protected from the sun and even out your complexion all in one go! It’s waterproof too!

Featured Item: Physicians Formula Organic Wear 100% Natural Origin Work It Marathonista SPF 40 Tinted Moisturizer

Unbeatable coverage

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If you’re looking for something with a little (or a lot) more coverage for when you go out to dinner with friends or your beau and you’re going for a more shellacked look, go for ELF’s Flawless Finish Foundation. It competes with high end brands in terms of coverage, formulation and staying power without going over $10!

Featured Item: ELF Flawless Finish Foundation

 

Conceal and pack light!

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If you’re really going for packing as light as possible, one trick that you can do is to just pack a trusty tube of concealer. Since you’re most likely to conceal any dark under-eye circles or skin blemishes anyway, why not use it to even out your skin tone too, right? Bonus tip: Bring another one that’s a few shades deeper and you get an easy to use cream contour too – you’re welcome!

Featured Item: Maybelline Fit Me Concealer

 

Mattifying action

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Catrice’s powder compact will give you that mattified look without breaking the bank! And another hooray for Catrice because guess what, it’s waterproof too!

Featured Item: Catrice Prime & Fine Waterproof Mattifying Powder

 

Pop of color

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Get a natural flush without carrying your precious and not to mention FRAGILE powder blush with Maybelline’s Baby Skin Instant Cheek Flush Blush. It only comes in two shades, but the sheer and natural quality of this product’s color payoff means that it suits a lot of skin tones.

Featured Item: Maybelline Baby Skin Instant Cheek Flush Blush

 

Zit emergency!

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Don’t you just hate it when you’re enjoying your time while on vacation and a nasty zit comes along to ruin it? Well this sheet of pimple patches will take up zero space in your travel bag and save the day! Just pop one sticker per zit before you go to bed, and it will dramatically minimize, if not totally wipe out that pimple when you wake up in the morning. Just like magic!

Featured Item: COSRX Acne Pimple Master Patch

 

Can’t live without brushes?

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If you’re one of the ones who can’t seem to complete their beauty routine without brushes, here’s a gem for you. This mini brush trio from Real Techniques has the same superb quality as their regular-sized brushes without taking any more space than a pressed powder compact!

Featured Item: Real Techniques Mini Brush Trio

 

Magic sponge

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Get this portable brush cleaning sponge so you can use the same brush for different eyeshadow shades. It’s made from exactly the same material as Sephora’s $18 Color Switch for way less. No need to bring 10 eye brushes next time you go on a trip!

Featured Item: Zodaca Brush Color Removal Sponge

 

Wait for it…

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Why spend $20 on a Beauty Blender when you can get the best dupe around for $1.55? Yes, there’s no missing zero there, it’s really just under $2! This baby pink blending sponge from AOA Studio is actually softer than it’s pricier counterparts. As a bonus, the extra $0.55 on that price tag serves as an automatic donation to help our furry friends towards animal rescue and adoption. So go ahead and stock up on this gem now!

Featured Item: Paw Paw Charity: Super Soft Wonder Blender

 

Go from day to night

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Grab a compact eyeshadow palette that will take your look from day to night without all the fuss. Milani’s Everyday Eyes Matte Eyeshadow Collection is a very affordable option without sacrificing quality.

Featured Item: Milani Everyday Eyes Matte Eyeshadow Collection in Must Have Naturals

 

Budge-proof cat eye

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This liquid eyeliner pen from NYX is your top pick for an easy eyeliner application. It’s matte, waterproof and budge-proof. No panda eyes here!

Featured Item: NYX Epic Ink Liner

 

Feathery brows

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Get easy feathery brows for under $5 with this brow mascara from Essence. It’s the perfect affordable dupe for Benefit’s Gimme Brow. Just a few strokes and you’re out the door with effortless brows!

Featured Item: Essence Make Me Brow Eyebrow Gel Mascara

 

Glow from within

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Get an ethereal glow that looks so natural with LA Girl’s highlighting stick. It blends easily without ruining what you already have underneath – plus, it’s just a little over $5! So get your glow on without the regret of blowing your budget!

Featured Item: LA Girl Highlight Contour Stick

 

Keep it there

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A trusty setting spray to keep everything in place is a must-have in your travel bag. Milani’s Make It Last Setting spray really lives up to its name. No need to keep checking the mirror to make sure that your face is insta-ready for vacation photos. Talk about goals!

Featured Item: Milani Make It Last Setting Spray

 

Bat ‘em lashes!

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Get the best lash volume possible without looking like a hot mess even before you step out the door with L’Oreal Voluminous Lash Paradise Waterproof Mascara. Their washable formula is budge-proof too, but if you run the risk of getting thrown in a pool or something like that, better opt for a waterproof formula.

Featured Item: L’Oreal Voluminous Lash Paradise Waterproof Mascara

 

Pucker up

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Don’t forget to pack a tinted lip balm with SPF. Get a sheer wash of color while keeping your lips moisturized and protected with this tinted lip balm from Neutrogena. Talk about MLBB goals!

Featured Item: Neutrogena Revitalizing Lip Balm SPF 20

 

Staying power!

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Pack a statement lip color for night outs while you’re on vacation. These liquid lipsticks from Maybelline’s Superstay range stays put even after meals and drinks without drying out your lips. Who’d have known that something so affordable could be so dependable?

Featured Item: Maybelline Superstay Matte Ink

 

Erase

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Erase your war paint without carrying around a bottle of micellar water and cotton rounds. These makeup remover cleansing towelettes from Neutrogena removes even waterproof mascara!

Featured Item: Neutrogena Makeup Remover Cleansing Towelettes

 

Keep greasy hair at bay

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Lastly, keep a bottle of dry shampoo handy for those days when you don’t feel like washing your hair while being free from that gunky greasy feeling. Batiste Dry Shampoo revitalizes hair, leaving it feeling clean and smelling fresh in between washes. Plus, you have a lot of scents to choose from!

Featured Item: Batiste Dry Shampoo


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Sources:
amazon.com
ulta.com
sephora.com
target.com

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Must-haves for keeping your home organized

By |August 10th, 2018|

18 Must-Haves for Keeping your Home Organized

Let’s face it, cleaning and decluttering is just step one. The key to a clean and organized home is to keep clutter from building up again. Here are some amazing items that you need in your home to keep it just as neat as it was when you finished organizing everything!


Keep your coffee pods organized without sacrificing space

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Featured Product: Mind Reader Coffee Pod Storage Drawer

 

Keep your desk organized with this charging station

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Featured Product: Stock Your Home Electronics Charging Station

 

You’ll feel like a grown-up with your wines and wine glasses all neatly organized

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Featured Product: Crate and Barrel Wine Stem Rack

 

Keep your garage organized with these tool hooks

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Featured Product: Elfa Utility Straight Handled Tool Hook

 

Keep your cleaning supplies organized with this expandable under sink organizer

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Featured Product: Iris Expandable Under Sink Organizer

 

For smaller kitchens with limited counter space – use the wall!

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Featured Product: Ikea Stainless Steel Magnetic Knife Rack

 

Keep all your keys together with this compact key organizer

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Featured Product: KeySmart

 

Utilize the vertical space of your counter tops with this 3 tiered bowl. Use it to store store fruits and vegetables too!

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Featured Product: Fozzils Twistfold Party Bowls (3 Tiers)

 

What do you do with the space that’s left under your cabinet shelves? Utilize it!

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Featured Product: The Container Store – Undershelf Baskets

 

An over-the door shoe rack to keep your shoes organized and free-up space in your coat closet

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Featured Product: Whitmor Over The Door Shoe Rack

 

A mirrored jewelry armoire that fits right over your door. Talk about space-saving!

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Featured Product: Best Choice Products Mirrored Jewelry Armoire

 

A mirrored jewelry armoire that fits right over your door. Talk about space-saving!

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Featured Product: Wonder Hanger

 

For your ties, belts and tank tops

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Featured Product: POW 2 Pack Updated Twirl Tie Rack

 

Keep your fridge organized with these clear bins

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Featured Product: Greenco 6 Piece Refrigerator and Freezer Stackable Storage Organizer Bins

 

Vacuum seal bags for bulky comforters and seasonal clothes

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Featured Product: SpaceSaver Premium Reusable Vacuum Storage Bags

 

A sports equipment organizer to keep all balls, gloves and rackets in one place

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Featured Product: Lynk Sports Rack

 

Use every bit of space with this slide-out storage tower

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Featured Product: Ideaworks Slide Out Storage Tower

 

Sick of tangled cords and losing your phone in the limbo that’s the inside of your purse?

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Featured Product: Cocoon Grid-IT Organizer


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Saving for Christmas

By |August 8th, 2018|

Start Saving for Christmas Today!

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You might think that it’s too early to worry about Christmas right now. But if you think about it, Christmas is just around the corner. Most people end up cramming and do their Christmas shopping in December. Are you one of those people? That habit is a recipe for disaster, especially when you’re on a budget. Here are a few tips to help you start saving for Christmas and cut back on holiday expenses altogether.

 

Set a Christmas budget now

Take a look at how much you spent on Christmas gifts last year. Where did you overspend? Where can you cut back this year? Set a budget for this year’s Christmas presents and more importantly, stick to it!  Got the number? Next, divide it by the number of months left until December, or whatever your goal is for the month when you will ideally be done with Christmas shopping. So if your budget is $1,000 and you have four months left until November or December, then save $250 a month for four months. This is way easier than shelling out the whole lot in one go.

Make a list

Make a list for friends and family, officemates, or whoever else you want on your Christmas list. Write down what you’d like to give them for Christmas. This way, it will be easier for you to know how much you will likely spend on presents for the holidays.

Start shopping now

Make it a habit to buy at least one or two presents from your list when you spot a 50% off sale on the department store or an online sale event. Two major perks will come from this technique. One, you’ll avoid overspending on last-minute items that nobody actually wants but that you buy because you feel you can’t show up empty-handed. Two, your gifts will actually be good.

Cut your budget on Christmas decor

Freshen up some of last year’s decor and they will be good as new. If you really need a few additions to this year’s Christmas decor, consider using pre-loved holiday decor. You’ll good ones in garage sales, spring cleaning sales, and moving out sales. It’s too late for scouring post-Christmas decor blowout sales now, but you’ll find great deals there, not to mention, more current decor, so save this tip for next time too.

Give up a little luxury

A make-up item bought every month, those daily lattes, or cigarettes. You’ll have to agree that they are somewhat unnecessary. Cut back on these kinds of luxury for a few months, and you’ll see yourself saving a little easier and reaching your holiday budget a lot faster!

If you didn’t get to read this earlier than you should have and you’re short on time to save, you can always get a car title loan at Sabre Lending, LLC. No credit checks, get fast approval, easy payment terms, and you get to keep your car! Call 1(844)651-5144 now and get funded Today!

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Changing your address

By |August 3rd, 2018|

Changing Your Address: Who do you need to notify when you move?


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Moving to a new home? If you’re done with decluttering, cleaning, acquiring moving supplies and packing your things – the process doesn’t stop there. You also need to make sure that you’re notifying the right people and places about the move. This is one of the things that you wouldn’t want to put off for later. Setting this process aside entails potential hassles like missed bills or service lapses. Not sure where to start? We’ll fill you in on who you need to give a heads up to about your new home.

 

Post Office

This is a good starting point. Notifying the post office of your change of address will get your mail sent to your old address forwarded to your new one for 12 months. You can easily update your address online and set a specific start date. It’s advisable to do this at least a week before moving day.

 

Tax Agencies

Notify both the federal revenue agency and your state tax agency of your change of address. There’s an online form where you can notify the IRS of your new address. As for your state tax agency, just go to your state’s government website and look for instructions on how to inform your agency about the change of address.

 

Social Security Administration

If you receive any social security benefits, make sure that you let the SSA know where you’re moving to. You can easily fill out their change of address application or call (00) 772-12138.

 

Gas and Electric

You’ll want to make sure that you would risk the chance of having no heat or electricity, so this is a step that you need to take care of as soon as you know your new address. For your electric service, arrange for the electricity at your current address to be shut off at the end of moving day and for service at your new location to start the evening before you move into your new home.

 

Phone, Cable, and Internet

This step is especially important for those who can’t go a day without an internet connection. Call your phone, cable, and internet providers to let them know of your change of address as early as you can.

 

Home or Renters’ Insurance

Make sure that your home or renters’ insurance agency know where they need to transfer your policy too. With renters’ insurance, some landlords or management companies might ask for proof of transfer before your move-in date, so see to it that this is this taken care of early.

 

Your employer

Notify your employer about your change of address even if your paychecks are directly deposited into your bank account. This way, you’ll be sure that pay stubs, tax forms, etc will go to the right address.

 

Your bank and credit card company

Check if your bank and credit card company have a way for you to change your address online. This also applies to any loyalty programs that you may have with specific stores.

 

Loan providers

Let loan providers know about your change of address. You wouldn’t want to seem like you’re dodging payments, right?

 

Insurance providers

Insurance agencies need to be notified about your new address too. This includes your health insurance, dental insurance, car insurance, and life insurance.

 

Magazines and subscription services

If you have ongoing magazine subscriptions or other subscription boxes or subscription services, you can change your address either online or by calling their customer service department.

 

Online shopping sites

See to it that you set a few minutes aside to change your billing and shipping address on any online stores that you frequently order from, like Amazon, eBay, and Nordstrom. Save yourself of any future stress since it’s easy to place orders without checking the shipping details

 

Friends and family

This is definitely an important one. Notify friends and family about your new address by sending out a mass email with your new information and BCC everyone on it.

Changing your address will not take too much of your time now that you know who to notify. Save yourself from any future hassle by starting as early as you can. Happy moving!


Need extra funds to help you with moving to a new home? Get a car title loan with Sabre Lending, LLC. – Call 1(844)651-5144 TODAY! Happy moving!


Sources:
usa.gov/post-office
irs.gov
ssa.gov