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
Purchasing a property is one of the largest single purchases one will make in life. And when it comes to real estate investment, saving for your first down payment and building home equity can be a way to build wealth for your future. That only means, saving money for a down payment should not be taken lightly. However, If you think saving is as easy as you think it is, wait until you get started.
It’s not to scare you, but to give you a heads up on what’s typically going to happen especially when saving for a down payment. Regardless of the property, you want to invest; be it Solstice or any real estate property, there are certain things to consider when saving.
Find affordable alternatives
The moment you decide to invest in a real estate, compromising is one common thing you need to consider. For instance, you can drop your gym membership for exercising at home. Or perhaps, lose the cable subscription and sign up for Netflix. Having these as your alternative, you can save as much as you can. One thing is for sure; you can still continue to live your life without spending too much on the things you do not need. Moreover, think twice before you buy something – you may not need that particular thing.
Yes, saving may be hard, but that does not mean you should hate it. That means you can break you savings goal down into manageable chunks, and think of a low-cost reward for yourself. After saving a lot of money in week or month, you can treat yourself to a dinner, or something that you want to have. However, you should also be mindful of the price. Just because it is your reward, you should also spend a lot of money on it. Of course, that should also not be the case. Since you are still saving for the down payment, you should also be mindful of the things you are want to buy.
Turn your savings into more savings
Did you know that it is possible for you to turn your savings into more savings? Perhaps, you can consider high-yield saving accounts, certificates of deposit, peer-to-peer lending and mutual funds. Moreover, you have to make sure to get solid advice about whether your timeline is appropriate for various investment options. But if you are not sure about these alternatives, you can go for high-yield accounts. This is one of the most conservative choices you can make since they are insured by the federal government.
Turn your hobbies into side gigs
Whether you realize it or not, you can turn your hobbies into money. How? There are people out there who can appreciate an individual skill where they are willing to pay for your ability. Let’s take painting, for example; some people would buy your artworks. Or perhaps, if you are good at playing piano, guitar, drums or any instruments, you can offer some lessons. With this, you are not enjoying doing your hobbies, but you also earn extra income out from it.
Although saving money can be challenging and daunting, that should not be that hard as you think it is. You can make it fun while you are saving money for the down payment. Moreover, this is one way you can achieve your dream home.
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki
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.
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.
One of the main problems most homeowners face is their utility bills. Sometimes, it is too late for us to realize that almost half of our paycheck is going towards the utility bills. You can’t buy something good for yourself since you need to pay your bills first. If you don’t, then it is definitely going to be another problem to face. Who would not be frustrated with that? I bet, you can be one of them to facing such situations, especially when getting some disconnections.
For some homeowners, utility bills are not a problem at all. Perhaps, they have some devices that help lower down the electricity. However, paying the bills more than what you earn is going to be a pain on your wallets. And I’m sure you don’t want to experience such all over again and again. Right?
If you are one of those homeowners who are still struggling with it, you can definitely put a stop on it. Basically, it doesn’t matter if you live in Ayala Land Premier condominium BGC or any other real estate properties, you can keep your utility bills down by considering these tips below.
Get familiar with how to measure your home’s energy usage
Whether you realize it or not, each home has its different energy measurement. And if you are not familiar with yours, then you might not know if it eats a lot of energy in one usage. That is why, before moving in or buying a particular appliance, you better make sure that it can save more energy than any other appliances you have. Also, it is also a plus factor when you know how to read the fine print for you to have an idea of how much energy you used.
Compare what they are charging you with now with the bill from last year
The payment of your bills will change from time to time, depending on how you used your appliances or electricity. However, here are just times that you don’t know why or how you have high bills to pay. That means you have to be keen on the things you do. If you think there is something wrong with the meter, then you might as well ask some help to fix that problem. Perhaps, that particular problem is one of the reasons why you are paying too much for it.
Keep track of which season tends to be the most expensive for your household
This is one of the most common reasons why you usually pay high bills. Sometimes, we tend to use more electricity especially when we have visitors in our home. Of course, you don’t tell your visitors to not use that particular thing to save energy. Right? Generally, it is ok. However, it is your responsibility to keep track of those times for you to know why you have paid that particular amount on your bills.
Unplug all the appliances if not in use
If you think that it is ok not to unplug your appliances even you turn it off, then you better think again. And whether you realize it or not, that particular appliance is still working since it is still connected with the electricity. However, you can definitely save big time if you immediately that particular appliance every after you used it. Don’t forget to make it as your habit to avoid unnecessary add-ons to your utility bills.
Turn all the lights off always when not using them
Ok, let’s admit! There are just times that we tend to forget to turn off the lights every time. Perhaps, we are just so engrossed with the things we do or we just merely forget to turn it off. This is definitely one of the basic things you need to remember. Yes, even if turning your lights off is as simple as 123, but it gives a great impact to your bills. We recommend the use of LED lights. You can save more if you use LED lights in your home.
Don’t forget to save water
If you think that you should only consider your electricity, then you’re wrong. Of course, you should also have to pay your water bills. And if you are not that concern enough when it comes to its usage, then there might be problems later on. Moreover, when you save water, you are not just saving money; you are also saving our Mother Earth. So, be one of the concerned citizens for our nature.
If you think that it is okay to put things anywhere on your home, then you better think again. It doesn’t matter where you live; be it Abreeza Residences, there is no reason for you not be organized with your things at home. For some people, organizing things might be daunting since they don’t have enough time for that. However, if you want to have a satisfying and healthy living, then you better be organized at home.
Well, if you are one of those people who are having a hard time organizing their things, then below are some things you might want to consider doing at home. Of course, you don’t have to worry that much since it is simple and doable enough for you to do.
- One in, one out
One of the reasons why your room is messy since you put so many things on it. If you are planning to put other furniture in your room, you also have to make sure that you have to move one item out of your room to save some of space. Moreover, this is also one way to make things in order without being messy.
However, if you really need to add furniture and you don’t want to move one item to your room, then you better think of other ways you can have it. Well, you can consider storing your things in a cabinet or boxes where it can’t be a bother when you move around space.
2. Start with storage spaces
If you are a kind of person who just loves to collect things or have a lot of furniture at home, you have to make sure that you also have storages for it. For instance, if you love to collect books, then you better have a bookshelf for it. Don’t just put your books anywhere in your home where it can be inconvenient when moving around the house.
Moreover, having the right storage for each of your things is definitely a great idea to be organized at home. This is also one of the many ways you can easier find your things on where you put it. Of course, that will save a lot of your time finding it.
3. You can buy storage, but you can’t buy organization
Some people think that when they buy storages, they can already be organized. Yes, indeed. But it will also depend on how you arrange your things inside the storage box. If you didn’t segregate the important ones from the things that are not that useful for you, then the storages that you have will be useless. When you want to have an organized home, then you also have to be organized on your things. You have to know which things are useful and which are not.
With that, you will also know if there is a need for you to throw or give some things away. Being organized would not depend on what kind of storages you have at home, it will always depend on how you are going to arrange it properly in a neat and clean way.
4. Home storage is made simpler when you label everything
Labeling your storage is definitely helpful to you. Well, it doesn’t mean that you are forgetful enough to know what things are inside that particular storage. That will only mean that you want to be organized in everything you do.
Moreover, this is also one way to make things easier for you to find what you want to have. Rather than spending most of your time finding that particular thing since you forget where you put it.
Basically, labeling your storage is not as hard as you think it is. In fact, it is simple enough for you to do in a minute. You just have to make sure that you are labeling the right storage for as not to make some confusion.
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.
It’s almost the end of the year, and some of us here are planning to change the atmosphere in their homes in Alveo Makati or any other real estate property you’re living. Of course, who would not want to have a new ambiance at home? When you have a good one, you will most likely want to stay and be proud of your home. Agree?
And whether you agree with me on this or not, what decorations you do in your home will also reflect on who and what kind of person you are. That is why, you also have to be careful in choosing the right wallpaper for your home; that will also fit your personality and lifestyle.
Well, if you are one of those people who are planning to install and have wallpaper on their homes, then below are some ideas you can have for you to effectively and successful have beautiful wallpaper at home. Of course, it is going to be a doable one. So, fret not!
Where to use wallpaper
Whether you like it or not, not all walls in your home will be filled with wallpapers. Of course, it will also not going to be nice at all. There will be certain areas where you can freely install your wallpaper. However, there’s a caveat, though; you also have to be careful when it comes to the choice of wallpaper.
Make sure that the wallpaper and the wall will compliment with each other. If not, then designing your wall may not be a good idea at all. When your wall and your wallpaper matched, it will create a great ambiance not just to you, but also to your home.
Know your material option
There are a lot of kinds of materials that were used to create wallpapers. There are wallpapers that are thin, and a thick, durable wallpaper also made some. When it comes to wallpapers, is typically paper printed with a pattern and coated with vinyl. It will make a good choice for heavy-traffic areas such as your kitchen and bathroom.
If you choose to have a hand-painted wallpaper for your home, it is also best when it put in the living room or your bedroom. Of course, this kind of wallpaper is custom-made to fit the space in your home. Moreover, this is also one of an investment akin to original artwork and is best for low traffic.
On the other hand, if you plan to have a grass cloth wall covering, this might be best for low-traffic areas such as your living room, or your room. Of course, this kind of wall coverings is heavy, and it requires a strong adhesive. Like the grass cloth wall covering, if you also plan to have a silk wallpaper in your home, it is also best to put it in a low-traffic areas since silk is delicate wall coverings.
Well, if you have other wall covering in mind that you want to have, then you should know what kind of materials that were used for you to know if it will compliment with the surroundings that you have.
If you are one of those people who are planning to beautify their homes, you don’t have to worry since there are a lot of wallpaper designs that will surely suit your taste. Of course, you also have to choose what kind of wallpaper that best reflect your personality or lifestyle. With that, you will most likely be motivated to do the things you want in life.
Well, you definitely can have historic wallpapers where it specializes in historical reproduction and historically inspired patterns. And if you are a kind of person who is into the modern generation, then choosing Wallpapers designs that are trendy is a must for you to do. That is also for you to avoid such disappointments later on.
There will always be a lot of activities to think of and do when we talk about December. Agree? Exchanging gifts, Holiday parties, food, wines, friends, families and any other things that you want to do. Of course, Holiday season would not be complete when we can’t do these kinds of stuff. Right? That is why, most of us here are planning on what to do to have fun.
And of course, one of the things that we tend to do is to have parties. And most of us here usually have parties at their respective homes and offices. But do you know that you can hold a Holiday party at a country club? Yes, aside from the usual venue for most parties, country clubs can also have function halls where you can use to hold the event.
Well, if you’re a host of the party, and you don’t know what to do when it comes to holding a party at a country club, then below are some useful Christmas decorating tips to give your party that Holiday feels.
Aside from the built-in lighting found in the function hall, you can also set up your stylish lights on the place. Of course, the more stylish your lights are, the more it adds beauty to the place. Also, good lighting of the place can also ignite people to enjoy and have fun. If you have an elegant themed holiday party, hanging lamps are the usual lights that we tend to see. You can also include a modern lighting setup with brightly colored pipe and drape uplighting. With that, the pleasant it is to the eyes.
The furniture at home is also one of the important things for you to consider. What kind of furniture is best for the venue. If you think that you need a couch, chair or anything that can be of use for sitting, then you might as well think about it before hand. Moreover, furniture like tables, chairs should never be forgotten. Unless you’re planning on having a cocktail party where everybody is going to stand, then having a sofa is more likely to be needed.
When it comes to parties, one of the usual setup of the place is having a mini-bar. Of course, it is important to have one at the venue since it is where guest and visitors get his/her drinks. And for the guests to appreciate more, try making your bar so enticing that everyone who attends would want a glass of cocktail or wine. Of course, you also have the need to decorate the bar according to the said theme that you have chosen. With that, it will also compliment to the things around the place.
Imagine if your table is without any decorations at all. It’s not going to look good, right? That is why, you have the need to know what decorations are best for the table. If you want it to be elegant, then you might add some candles and flowers at the center of the table. With that, it is not going to be boring and lifeless to have. Moreover, the selection of the tables is also one of the things you should consider, whether you should go for a round or a square table.
Of course, aside from the simple details that you need to consider, you should also not forget the overall decorations for the venue. You have to make sure that the decorations in the place are equally done. With that, it will be nicer to have the place.