You carefully plan how to spend your money. But you may have never organized a plan on how to best save your hard-earned money. Shopping the sales, cut corners, conserve energy, and clip coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further.
First of all, pay yourself first. Bill yourself if you have to as a way to keep track. You can even have a portion of your check directly deposited into your savings account so you'll never even miss it. Put part of it into savings for shorter term goals and some into a retirement plan. Compare interest rates at different financial institutions to get the most bang for your saved buck.
Pay close attention to where your money is going. Develop a spreadsheet or other method so you can visibly track where your money is going each month. You probably easily remember the bigger bills like the mortgage or the car payment, but it's easy to lose track of the incidental spending you do. You'd probably be surprised how much you spend each month on movies, eating out, video rentals and a little spending money for the kids. This will help you find ways of saving a few dollars here and there, which can quickly add up to a significant savings each month.
Set a realistic budget and stick to it. Once you've paid close attention to where your money is going, it will be easy to find where to cut corners and adjust your budget accordingly. With some commitment and a few lifestyle adjustments, it's really quite simple to live within the parameters of a well-planned budget.
Look for fun, inexpensive ways to entertain your family. You can usually borrow videos from your local library at little or no cost, and outdoor activities not only promote family togetherness but the fresh air and exercise are good for all involved.
Saturday, September 13, 2008
Learn to Cook for the Week Ahead and Save Both Time and Money
Okay, so you've worked hard to get your home organized and you've developed some strong skills to use at the office as well. You might be thinking you have it all covered at home since your pantry is organized immaculately and everything in your kitchen has its place. It doesn't change the fact that you're still busy working all day and driving kids to practice, running errands or taking care of your household in the evenings. Another thing you can learn to do to simplify your life is to plan your meals and cook in advance.
Meal planning and bulk cooking are both wonderful techniques you can utilize and modify to fit your families needs. The idea behind this is simple. The principle is that you cook and or prepare your meals ahead of time and then preserve them by either freezing refrigerating them. It can also help stretch your food budget dollar further, since you can cook one large meal and get two or three other meals from it with the proper planning.
Start by writing down a list of your favorite meals and plan on preparing a grocery list that will coincide with your menu. Since you're learning to cook in bulk, your shopping list will have to change accordingly so you're sure to have enough ingredients on hand when the time comes to do the cooking.
The most important tool in meal planning and bulk cooking is your freezer. Freezer bags are a great space saver if you have a small freezer. You can fit many in the same space of a few storage containers. Be sure to incorporate lots of quick and easy meals that your family can warm up and serve themselves in the event you're not able to be at home for dinner or you just need to grab something that's quick.
You'll also learn to love your slow cooker. Experiment with different recipes and variations on your favorites. They also make easy work of cooking whole chickens or roasts which can be frozen or refrigerated for later use very easily.
You're only limited by your own imagination when cooking in bulk for the week ahead. Factor in the time you save by not having to do a lot of after dinner cleanup or dishes, and you'll be glad you took the time to master this important organizational skill.
Meal planning and bulk cooking are both wonderful techniques you can utilize and modify to fit your families needs. The idea behind this is simple. The principle is that you cook and or prepare your meals ahead of time and then preserve them by either freezing refrigerating them. It can also help stretch your food budget dollar further, since you can cook one large meal and get two or three other meals from it with the proper planning.
Start by writing down a list of your favorite meals and plan on preparing a grocery list that will coincide with your menu. Since you're learning to cook in bulk, your shopping list will have to change accordingly so you're sure to have enough ingredients on hand when the time comes to do the cooking.
The most important tool in meal planning and bulk cooking is your freezer. Freezer bags are a great space saver if you have a small freezer. You can fit many in the same space of a few storage containers. Be sure to incorporate lots of quick and easy meals that your family can warm up and serve themselves in the event you're not able to be at home for dinner or you just need to grab something that's quick.
You'll also learn to love your slow cooker. Experiment with different recipes and variations on your favorites. They also make easy work of cooking whole chickens or roasts which can be frozen or refrigerated for later use very easily.
You're only limited by your own imagination when cooking in bulk for the week ahead. Factor in the time you save by not having to do a lot of after dinner cleanup or dishes, and you'll be glad you took the time to master this important organizational skill.
Setting up a Home Office on a Shoestring Budget
Working from home is becoming a more popular option with many in today's workforce. Whether you telecommute or have abandoned the rat race in favor of setting up your own home business, or just simply need a place to land to take care of the bill paying and the home organization chores, a home office has become a necessary space in many homes. Whether you set up a corner office in your kitchen, designate a guest room to double as your office, or set up a location in your basement, it's crucial that your home office include all the elements that contribute to your productivity, efficiency and overall success.
But setting up a home office doesn't have to break your bank account. Very few of us can afford the luxury of having a professional organizer devise an office system for us. Don't despair; there are many creative ways to devise your space .
Maybe you are able to have a separate room for your office. If so, that's great. You'll have lots of elbow room. But if you don't, there's lots of ways to utilize the space you can carve out for one. Whatever space you choose, make sure it's a space that can be dedicated to your office, and doesn't double as an arts and crafts table for your kids or a workbench for your spouse's do-it-yourself projects on the weekends.
Take a look at your space and see what you can do easily and inexpensively to spruce it up and make it conducive to working from home. Sometimes just a fresh coat of paint, some strategically hung pictures or some simple stencil work can brighten up an otherwise dreary corner.
Next, look around your house to see what furnishings you already have. If there's a small unused table that could double as a desk, use it. You've probably got a comfortable chair in your dining room that could work fine as an office chair. Look around your home for some useable pieces that can be brought together successfully to create a comfortable and relaxing home office environment.
You may also already have book shelves, bins, baskets, boxes and a filing cabinet that could also be incorporated into your office. If you don't already have office supplies available, visit your favorite office supply or discount store and stock up on a few needed items and get your space organized and ready to roll.
But setting up a home office doesn't have to break your bank account. Very few of us can afford the luxury of having a professional organizer devise an office system for us. Don't despair; there are many creative ways to devise your space .
Maybe you are able to have a separate room for your office. If so, that's great. You'll have lots of elbow room. But if you don't, there's lots of ways to utilize the space you can carve out for one. Whatever space you choose, make sure it's a space that can be dedicated to your office, and doesn't double as an arts and crafts table for your kids or a workbench for your spouse's do-it-yourself projects on the weekends.
Take a look at your space and see what you can do easily and inexpensively to spruce it up and make it conducive to working from home. Sometimes just a fresh coat of paint, some strategically hung pictures or some simple stencil work can brighten up an otherwise dreary corner.
Next, look around your house to see what furnishings you already have. If there's a small unused table that could double as a desk, use it. You've probably got a comfortable chair in your dining room that could work fine as an office chair. Look around your home for some useable pieces that can be brought together successfully to create a comfortable and relaxing home office environment.
You may also already have book shelves, bins, baskets, boxes and a filing cabinet that could also be incorporated into your office. If you don't already have office supplies available, visit your favorite office supply or discount store and stock up on a few needed items and get your space organized and ready to roll.
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