Financially stability is probably every Millenial’s dream. Born in a world of economic meltdowns, fiscal and monetary policy, these individuals often look forward to easing their worries regarding finances.
They start early – they look for jobs and side hustles, build empires and turn their passion into business ventures. Of course, the path to these isn’t easy. It can be a breeze when you know where to start.
To help you get started, here are some hacks to financial stability.
1. Build your emergency fund.
There’s no other solution during difficult times than to establish a sizeable amount of emergency funding. Each day unexpected events happen to each one. What’s worse, the outcomes are unpredictable. Some events result in greatness while others result in depression (not the illness).
These events not only happen to us. They also occur to people close to us – parents, siblings, and children. When these occur, you must be ready to buffer against the hardship. A sudden layoff, sickness, and death entail costs that can eat up your operating expenses. An emergency fund will help you sail through them.
If you’re a regular employee with a monthly salary, it helps to save six months’ worth of expenses. Entrepreneurs, people on commission and those without a fixed income must save a year’s worth for their expenditures.
2. Expand your income base.
It will take you awhile before you reach the ideal amount for an emergency fund if you have a meager paycheck. A minimum wage will only get you so far – utilities, food, other necessities, and the remaining for savings. You won’t have enough for investment which is crucial to make your money grow over time.
Thus, you must get creative and bust some move to gain some moolah. Some people get a side hustle on top of their 9-to-5 job. Others explore their passion until they start making something out of it. There are guides and tutorials on the Internet that can guide you and become your inspiration to grow your money.
3. Explore community services.
Privatization and exclusivity may be convenient and fancy, but it’s highly expensive. An Uber ride to work is double the amount of your daily train fare. Therefore, commuting is highly sustainable compared to other modes of transportation. Exploring the travel route from Trinoma to Vertis North saves you a couple of bills while doing good to the Earth.
The same goes for biking and walking. It doesn’t only decrease your expenses. It also minimizes your carbon footprint. Besides commuting, common areas like public parks, museums, and libraries are sources of culture and entertainment. Most of these establishments offer a small fee (often the entrance fee) to maintain their operation.
TL, DR: You can be part of something without spending a ton of money just because of exclusivity.
4. Set a partition on your utilities.
Scheduling bill payment twice a month between both paychecks is a life hack. It spreads out your money and extends your budget. To do this, include electricity and water bills in the first half of the month. The other half covers the remaining expenses such as cable, Internet and other payables.
You can throw in other expenses such as groceries and household expenses in the mix. You can do grocery shopping twice per cutoff. That way, you can easily track where the bulk of your money goes.
5. Use budgeting apps.
There’s an app for everything. There’s an application for budgeting for sure. Hence, use the power of technology to cultivate lasting financial habits. If budgeting and monay management isn’t your cup of tea, you can rely on apps to balance accounts and compute your expenses for you. All you have to do in input the complete details to arrive at an accurate computation of your payments and net income.
Maintaining a savings account and paying off a loan is easy when you don’t have obligations. Family members can add to the bulk of expenses without contributing to income. Thus, use these tips and hacks to maximize your earnings. Once you have enough, start growing your passive income. Being financially stable is based on a having a fixed passive income.
Photo from Unsplash
“Often what’s wrong with some modernist houses – they’re kept vacuum-sealed all the way through. And then people wonder why they haven’t any atmosphere.” – John Stefanidis
We all hate damages. Especially when your favorite thing is broken, we feel like we have already lost a very important thing in our life. Whether you like it or not, damages at home are inevitable. One of the reasons is probably because you consistently used that particular thing. It does not matter if you lived in a condo for rent in Bonifacio Global City or any condominiums in the Philippines, you will find damages at home.
But just because might notice some damages, that does not mean that it is going to be a big deal. There are a lot of damages where you can fix it yourself. You do not need to call a professional just to fix it for you. Keep in mind that some damages may be simple enough for you to mend it. To give you an idea, we list down some things you have at home where you can fix yourself.
1. Uneven shower stream
If you know that there is something wrong with the shower, then you should check behind the shower’s handle. There is a valve that is responsible for correctly mixing hot and cold water, and kept the pressure consistent. But before you do the fixing, make sure to shut off the water to the shower, then you can now remove the screws holding the handle through the use of plier and the trim plate on. After, install a replacement pressure to balance the cartridge.
2. Toilet bowl scratches
This is also one of the many things at home where you can fix it yourself. If there are any bowl scratches or anything that keeps the bowl from flushing, then you can clear it with a drain snake. Scrubbing the marks with kitchen scouring pad is also another thing you can use to fix the toilet.
3. Sluggish vent-hood suction
When you have poor suction in your kitchen sink, then you probably need to replace the motor. But before you start fixing, always remember to shut the power to the hood and remove any filters. You also need to pull out the fan blade and find the motor’s wiring harness. Unclip it and unscrew the motor from its blanket. And then attached the replacement motor and reconnected the harness before you install the fan blade again.
4. Dripping dishwasher
This is one thing that we hate whenever it is damaged. Keep in mind that constant use of the dishwasher, the thick rubber gasket along the edge of the tub can also become brittle. That is why, it is important for you to examine the gasket and gently pull it out and reseat it into the tub, and then run the dishwasher. However, if the dishwasher is still leaking, then you should get a replacement gasket and install it in the same way.
5. Slow dryer
It is a must for a dryer to have a proper airflow to finish a load of clothing. However, if your dryer is not working, then this might not a start to wash your clothes. To fix it, you need to remove the front panel and housing cover and unhook the door switch’s wires. Behind that is the blower wheel, remove it from the motor shaft with snap ring pliers. You then need to slide the new wheel in place and test that if it spins by hand. If it does, then you have to reassemble the dryer back to its form.
When it comes to home design, it is not just about how it looks or how pleasing it is from the inside and out. Yes, the appearance is an important factor. But an exceptional home design involves the emotion of a person – on what they feel about having such design. Or on how they convey their personality through the design of their home. However, not all homeowners can grasp the importance of a good home design.
Perhaps, for as long as they have a place to stay, then they are cool with it. This may be acceptable, but not a good reason for not having a good design for your home. And it doesn’t matter if you are living in a condo in Manila, having a pleasing home design is within your reach.
Increase peace of mind
Aside from the convenience, you can also have peace of mind in such a way that you don’t have to worry about costly mistakes. Having a good home design would also be beneficial for those homeowners who leave each day, obsessively worrying if everything in their home is in order.
Create a setting for living
Having a satisfying home design would also create a place that looks and feels liveable. It will give you the right ambiance for your home to make you feel comfortable and relax. However, just imagine a messy and lifeless home; you don’t want to live in such place. Right? Well, that would be most likely the scenario if you don’t care less about designing your home.
Enjoyment of a well-designed home
Some people may not be able to realize the value of having a good home design. But when you do, you’d definitely enjoy living in such place. How much more when you personalize and optimize your home? Aside from giving your home a look you wanted, you can also experience having a good feeling and impression to it.
Sets lot of limitation
Yes, designing your home may depend on the things you want to have. However, you also have to know that there are some limitations that you need to consider. Well, limitations such as making sure that the things would match perfectly with the other furniture at home, and other dos and don’ts when it comes to home decorations. But don’t look at the limitations the negative way, this is also one way to make sure you will have a good and satisfying outcome.
Saves money and increase convenience
When you do home design properly, this will give you the freedom to save a lot of your time and money. Homeowners can also experience convenience while living at home. There’s no need to trip yourself from the corners due to the sharp edges and wrong arrangements.
Keeps you and your family save
Before you start designing your home, you need to think about what to do to make sure that everything would be in order. Thinking about how to make the edges of the table or the chair safe to avoid any accidents, and considering the electrical cords that your children might be playing are the things you need to consider when planning for home design.
Having an optimized functional space design
This is also one thing you need to consider when designing your home – having a functional space design. Obviously, you are not going to design your home without any plans on what to do with your room, right? Perhaps, you can have a room for entertainment where you and your family can bond. Well, make sure that there will be enough space for everyone to move around.
The wow factor
As we all know not all homeowners, have a wow factor on their home. However, if you or your family and friends can say wow, then you have a good design on your home. There will always be a feeling of satisfaction from the entrance to every room of your home.
You cannot decorate your home when you do not have the basic tools to use on the necessary improvements. Home decoration often need tools for you to get started. And for one to achieve the desired outcome, a homeowner should have a good toolkit – but of course, you do not need to buy a kit all at once lavishly. However, if you want to have a better result, it is best for you to invest in well-made items that will last a lifetime.
Yes, it may be understandable that most homeowners cannot have the right tools since they also have so many things to think of. But if you do not have the right tools, you may not achieve the result you have to have. Whether you live in Amaia Home or any other real estate in the Philippines, there is no reason for you not to have the right tools. And if you are planning to do some renovations or decorations, homeowners need these things below:
One reason why the decorations are not properly installed is that it is not properly measured on where and what spot should you put the things you want to display. Perhaps, for some, “eyeballing” may be useful. However, that may not always be the case. You need to have a measuring tape for you to make sure to have the right measurement for each corner or space for you to have a better result.
Hammer is one of the most important tools you need to have at home. Of course, you do not want to make the work difficult for you, right? That is why you need to have a hammer included in your toolkit to make sure that you can use it anytime whenever you want to do some renovations at home. And if you are still planning to buy a hammer, you have to make sure that the handle of the hammer is comfy enough for you to use.
Drill or screwdriver
Drill or screwdriver is necessary tools especially when you want to hang something on your wall. Of course, this would help you hold whatever things you want to display. Moreover, screws are great when you need to tighten up some things to make it more durable enough on the wall or any corner of your home.
If you think ladders are not necessary when it comes to home renovations, then you better think again. Of course, there will be times that you need the ladder especially when you need to reach for your ceiling. Ladders are also important when cleaning your ceiling. There are just cobwebs that are stubborn enough for you to get. That is why you need to have ladders to make sure that everything will be included in the cleaning.
Aside from the fact that pliers are one of the most essential tools you need to have at home, pliers are also good for cables and other things that you need to do. There are different kinds of pliers, for crosscutting electrical wire, you need to have the side-cutting electrician pliers. For reaching into electrical boxes to trim away the cable’s sheath and paper, you need to have the diagonal pliers. And for cutting old rusty nails, screws, staples and clips, you need the ironworker’s pliers for it. This only means you need to make sure that you know which pliers are best for you to make sure that you will have a better outcome of the decorations at home.
One way or another, you need to have your decorations kit ready all the time. Of course, this is to ensure that you will have something to use whenever you decide to fix or decorate something. In this way, it will be much easier and faster for you to make things done at home.
Considering the fact that we are living in a millennial age where various kinds of pollution are present, living in an Eco-friendly home is the least we can do. Obviously, we do not want to put our lives at risks. Right? That means we have to be careful and keen enough when it comes to our lifestyle. Although a lot of us here are living a simple life in Amaia Homes or any other real estate properties in the Philippines, there is no reason for you not to live in an Eco-friendly home.
But sad to say, not all of us here are able to grasp and understand the importance of an eco-friendly home. Perhaps, they do not know what and what not to do when it comes to living in such lifestyle. And if you are one of those people who do not have any idea, then you might want to consider these ideas below for you to have and live a healthy lifestyle. Here’s how:
1. Make sure your air conditioning and heating units are energy star models
It is undeniable that we use AC and heating units at home. But as a homeowner, you have to know that these appliances can eat up a lot of energy at home. That means, the more you use these things, the more you are contributing to the pollution. And if you care enough to have an eco-friendly home, then you have to make sure that your air conditioning and heating units are energy star models. With that, it will minimize the risk of adding a substance that causes the pollution.
2. Always keep windows and doors tightly shut when running the AC or heater
When it comes to saving energy at home, it is a must for you to shut the door tightly to prevent the air from going out. This is also one way to make the room cooler or warmer faster. Of course, if you also want to save some of your electricity bills, then make sure that you are not wasting the energy at home.
3. Use ceiling fans to cools a room instead of turning on the AC
This is one of the common things most homeowners should do. Instead of turning on the AC which can eat up a lot of energy at home, why don’t you just use the ceiling fan for it? With that, it doesn’t just give you the cooling air that you need, you are also saving a lot of energy and money out from it. Who would not want that, right?
4. Turning your AC or heater off entirely every time you leave your home
It is understandable why you want to turn on your AC even if you leave for a minute in your home since the weather might be too hot for you to handle. However, do you know that it is not advisable for you to leave your AC on while you are away? For obvious reasons, this might be the cause of a fire accident due to overheating, and this can definitely add to your expensive electricity bills. And I’m sure you definitely do not want to pay such bill, right? That is why you have to take precautions when it comes to using your appliances.
5. Turn off kitchen or bath exhaust fans as soon as possible
If you want to use your AC, then you have to make sure that you turn off the kitchen and bath exhaust fans as soon as possible. Of course, you do not want to waste your energy by letting cool air pass through the vents, right? That is why you have to make sure that you do not forget about turning them off.
There’s nothing more pampered than having a stylish powder room at home. Agree? Particularly for guests who just need a little retouch, a powder room would be a great spot for them. Generally, powder rooms have a simple space at home. It can be near the kitchen, living room or in the bathroom. But wherever the placement will be, it is still one of the spots most people usually used. And of course, you can definitely have your own powder room whether you are living in your 1br condo in Alabang.
A powder room can also be one of the attractions in your home. Especially when you have guests coming over, they definitely would appreciate if they could use a powder room to freshen up their selves. And if you have a stylish powder room, then you will not be hesitant to let your guests use it. However, if you are not proud of it, then you might want to refer to these powder room ideas and apply it to yours. Perhaps, this is one of the many ways you will love having such room in your home.
1. Tiled walls
Walls are the things your guest would first notice. That is why it is necessary for you to make the walls of your powder room neat and elegant enough. If you have a small powder room space, you can have a little tile that would also compliment with space. You might also consider mix matching the walls and your floor. If your floor is intact, then go for a tiled element on your walls. Vice-versa.
If you think that a mirror and a sink would be enough, then you better think again. There’s nothing more appealing than having stylish accessories in your powder room. It will not only add beauty to the place, but it will also make the room more functional. Perhaps, you can also include a lamp mounted on the wall and a picture frame below it. It is basically up to you on how you want to make it more attractive.
Having storage in your powder room is one of the things you should not forget to include. A small storage space will do, for as long as it will serve its purpose to whoever uses it. Or perhaps, you can store essentials such as hand sanitizer, hand towel, paper towel and other essentials that one can possibly use.
There’s nothing wrong when you go for something that you dream of. Perhaps, you want to have a powder room based on your imagination, then you can definitely achieve such if you want to. However, you also have to be considerate about how others would feel when they use the room. Well, you can go for a cool live-edge counter especially for powder rooms placed in the bathroom.
If you think that having simple tiles on the wall is so simple and plain, then you can also have and use wallpaper for it. Of course, you better choose a wallpaper that would complement with the fixtures. Wallpaper with patterns would be great when your powder room is large. However, if you have a small space, then you can go for whimsical wallpaper. With this, your powder room will still look elegant with the wallpapers on it.
Generally, it is up to you if you want to use the same flooring with the rest of your rooms, or you can go for a more stylish one. And if you are planning to make it different from the rest, then don’t be afraid to mix and match your flooring with the fixtures and other features in the powder room. Just make sure that all the things you do and include will definitely match with one another.
Spending money is a crucial thing to do. Agree? We don’t just spend for the sake of spending without knowing if it is worth or money or not. But let’s admit! We all are guilty of this since there are just some things that we are so tempted to buy even if it is not that important for us to use. How much more when you your money is budgeted and you still have a lot of utility bills at home that you need to pay? This is going to be a daunting and challenging on where you can get the exact budget, right?
Yes, it is understandable that saving money is one of the hardest things we could ever do, considering that there are a lot of daily expenses that we also need to think about. And if you are one of those homeowners of Ayala land properties, and who are struggling when it comes to saving money, then you might want to try these tips below in minimizing things for a save more money.
1. More plants
One of the advantages, when you have plants in your home, is that it can block the heat from getting into your home. Of course, plants don’t just give and add beauty to your home, but it also has health benefits you can get when you have plants at home. Moreover, make sure that the flowers or plants are fresh enough when you put have it in your home.
2. Cover your windows
If you don’t want to turn on your AC all the time, then you better cover your windows to make sure that the heat won’t get into your home. Well, you can close your window blinds or curtains, especially during the hottest part of the day. Moreover, you can also install outdoor awnings, solar screens, or window film on the outside of your windows to minimize the heat that goes to your home.
3. Adjust the thermostat
The thermostat is useful especially when you want to reduce your cooling costs by as much as 10% of your previous one. Raising the thermostat is also one way you can save money since it can keep your home at the highest comfortable temperature as possible. And if you think that the place is still warm for you to stay, then don’t forget to turn on the thermostat to minimize and adjust the temperature of the place.
4. Select your fan speed
Don’t you know that your fan is also one of the things that can contribute to the utility bills at home? Especially when you experience humidity in the place, you definitely want to turn the fan on its maximum level. If you can’t adjust your fan speed from the thermostat, then you better call a service professional to see what speed you need use.
5. Use permanent air filters
One of the most critical part when keeping the air conditioning running is the maintenance. Of course, it restricts the flow of the air and cause the system to become inefficient and unable to function when you have a dirty air filter. If you really want to save money when it comes to your home utility bills, then you also have to consider and maintain a clean air condition system. If you think that it is already collecting dust and dirt, then you need to clean them regularly to ensure that there will be a proper function.
6. Seal leaks
Did you know that a leak or a crack on your window is one of the many things that contributes to the expensive bills that you have? Of course, air can’t circulate in the place properly since it goes outside, the more energy your AC or fan will be giving. That would also mean, there is also more electricity usage just for it. That is why you have to make sure that you seal leaks on your windows and doors.
One of the many things that matter when it comes to remodeling your home is the budget. Of course, who would not think about it when your budget is important? Right? Obviously, you also have to save for it. However, home renovations don’t mean you need to spend more and more money for it. You can definitely do the renovations even if you are saving money. Well, that is if you know what and what not to do when it comes to renovating your home.
Although some of you here are living in Manila properties, renovating your kitchen and bathroom in an affordable way as possible is already within your reach. Of course, homeowners who are living in any other real estate property in the Philippines, you can also reach a desirable outcome if you know what to do.
Well, if you are one of those homeowners who want to renovate their kitchen and bathroom yet don’t have enough budget for it, then you can consider doing these below. Of course, below are just simple and affordable tips for you to do.
Hire a home inspector
I know. A lot of you here might wonder and ask, “We are saving yet we should hire an inspector?” Yes, you heard it right. You need to hire an inspector when renovating your home for you to know which part of your home needs to renovate or not. Moreover, this is also one of the many ways you will learn what things to do to prevent you from doing costly mistakes. Of course, inspectors are professionals. And if you don’t know anything about home renovations, you better hire one for you not to regret your decisions later on.
Budget your remodeling costs
This time around, you already know what to do with your home since you already hire a professional to look at that matter. Now, this time, you need to know how to budget the things that are needed for the renovations. Of course, you are not going to buy materials that are not useful for the renovation of your home. You are not just wasting your money, you are collecting useless things at home. so, before deciding on what to buy, you have to determine first on which of the things that are needed.
Be upfront and honest about the total budget
This is one of the things you should not hesitate to do. When it comes to money matters, you need to be upfront and honest about it with the professionals. Of course, you should not force yourself to buy something that is too expensive for you to buy. It is also not wise if you are going to buy expensive things when there are alternatives or cheap materials you can buy. If you are not wise enough when it comes to the budget that is intended for the renovations, it will surely be a trouble on your part – financial trouble especially.
“Do I need a permit for my remodeling project?”
Asking these questions will definitely save you from spending too much money on the renovation. Of course, you have to know which part of your home is allowed to be renovated. Or even you should know if it is really ok for you to renovate your home. And yes, there are communities that are strict when it comes to that matter. You need to have a permit first before renovating your home.
Think beyond sticker price
Before we buy something, one of the things that we usually do is to look at the price tag. Right? Well, it is a good sign that you are a concern when it comes to saving money. However, even if the price is cheaper than the other, if you are not going to need it anyway, then you are also wasting money without being aware of it. Of course, why would you buy something that is not needed anyways. Right? That is why you have to think first before anything else.
Are you one of those homeowners who are having difficulty integrating your love for plants into your home? Perhaps, you just have no idea at all on how you can decorate in a desirable way, or you don’t know what and where to start. It doesn’t matter if you are living in Park Point Residences or any other real estate in the country, turning your home into a place where you can still have your collection is already attainable.
For some reasons, integrating plants into your home is a healthy way to have a healthy lifestyle. Of course, plants can give you a nice and cozy atmosphere in your home. Moreover, having greens on your home is also pleasing to the eyes. However, not all of us here can efficiently and successfully achieve what they want to have in their homes. Well, if you are one of those homeowners who are having a hard time, below are some tips on how you can turn your home into a tropical oasis with easy-care palm plants.
Pick your spot
Before you can decide on to where and what part of your home are you going to put your plants, you have to know that not all place in your home is the best spot. That is why knowing what part of your home can be best for the plants to have is a must for you to do. Whether you choose to put your plants in the kitchen, bedroom or living room, make sure they look right on those spots.
If you can find a perfect place for your plants, you can have a nice and warm ambiance of your home. Additionally, before deciding where you also have to make sure that the plants would not be a bother whenever you want to roam around the house. Well, you can put the plants in the corner of your living room or any other rooms in your home.
Choose the right palm
As a plant lover, you have to know that not all plants would match your lifestyle. Some of the plants don’t want to be put inside the house, and some just don’t fit for the right ambiance of your home. That is why you should also know your plant. Well, below are the kinds of palm plants that may be suitable for your home.
Lady palm (Rhapis excelsa)
Howea palm (Howea belmoreana)
Bamboo palm (Chamaedorea seifrizii)
Pygmy date palm (Phoenix roebelinii)
Kentia palm (Howea forsteriana)
Parlor palm (Chamaedorea elegans)
Well, you can also have all these palm plants if you want. Just make sure you know how to take good care of it.
Caring for palms
Caring of palm plants is not as hard as you think it is. That, of course, that if you know what you are doing. Right? However, not all homeowners know how to take good care of the plants. As a result, their plants are not healthy and good looking at all anymore. Well, for you to achieve a healthy palm plant, you have to make sure that that the pot has drainage holes so that the water won’t collect and rot the roots.
However, if you don’t want to have a pot that has holes, you can make use of a plastic container and use the pretty one as a decorative cachepot. With that, it removes any water that accumulates in the base.
Also, make sure that you plant is placed in a spot with indirect light, but bright enough to sustain its growth. Of course, don’t put it in direct light for as not to lose its color and its nutrients. Moreover, if you think or notice some palm problems such as pests or bugs, you have to attend immediately and know how to take care of it properly.