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
Clutter is anything that doesn’t belong in space – whether because it belongs elsewhere in your home, or it doesn’t belong in your home any longer. ~Chrissy Halton
Whether you realize it or not, we have this tendency to keep things in our possession no matter how long or old it is. We just want to have it for as long as we want, since it is our belongings. For some people, getting rid of their things might be a challenge since there is a sentimental value on it, or merely because they grew fond of it. Did you know that this stuff add clutter to your home?
Regardless of the property you’re in—may it be in a house and lot for sale in Laguna or a condo unit anywhere in the Philippines, decluttering is a must if you want to have a clean and healthy environment at home. If you’re one of those people who is having a hard time getting rid of his/her stuff, then these tips below will help you with that matter.
How to declutter your home
Don’t hang on the past
There are just things that remind us of our memories from the past – of what and who we are before. If that particular thing holds a bad memory, then you better get rid of it. This is not the time for you to hang on the past, you have to move on by getting rid of the things that reflect who you are before.
Getting rid of the things that remind of your past is not that hard as you think it is. You just have to make sure that you get rid of that particular thing together with those bad memories that you have with that thing. Well, you will eventually realize that getting rid of it is much better than keeping it in your home.
Don’t get too wrapped up in the future either
Sometimes, we are tempted to buy things for our home even if we don’t need it at all yet. Yes, this might be an inspiration for dreaming of a home where you can have that particular furniture, but if you think that that doesn’t suit your home just yet, then don’t buy it ahead of time. It will only add up to the things in your home.
Limit your emotional attachment to physical things, especially if they’re large things.
One of the main reasons why you can easily get rid of your stuff at home is that you have some emotional attachment to it. Even if those particular things don’t hold any value to you at all, you still want to keep things at home. And if you can’t easily get rid of it, then. As a result, more and more things are placed at home.
However, if you know how to control yourself by limiting your emotional attachment to each of your belongings, then getting rid of it would be much easier for you to do. Yes, there might be things that hold sentimental value for you. But to those things that are not that useful to you or for your home, then you better get rid of it now.
If you are a kind of person who just loves to keep souvenirs even if it’s not that useful to you, then you may want to take some alternatives without taking or bringing things at home. Well, you can take some photographs or pictures with the events that happened in your life. It doesn’t necessarily mean that you should store some things at home for you to keep those memories forever. You can store it on pictures.
When you do such, you don’t just keep your memories in life; you will also have much bigger space at home. Moreover, this is also one of the many ways you can organize your things in an easier way. Well, you don’t have to worry about too many furniture or things in your home. Just have some fun and take some pictures of your life experience.
Whether you realize it or not, there will always be a beauty in a big blank and clean wall. Agree? Of course, this is the time when you can actively and creatively imagine what things to put to fill in your big empty wall. For some, this is one of the common problems they faced especially when they don’t know anything about decorating at all. However, when you know what you are going to do with your wall, then a wall décor challenge is just a piece of cake.
It does not matter if you are living in a real estate Cebu, decorating your wall is one of the things you can do to make your wall look good. Well, if you don’t have any idea at all on what you’re supposed to do aside from the typical paintings we have on our wall, then below are some simple and doable examples you can apply.
Build a bookshelf
If you have a lot of things or books yet you don’t have enough space in your home, then you might want to have a bookshelf installed on your wall. Instead of having or putting decorations, make the bookshelf as part of the decorations you have on your wall. With that, you’re not just saving up more space but also, you just made a great and stylish way to have a bookshelf.
Installation of bookshelf may be hard on your part. Of course, you also have to make sure that the shelves are properly installed on the wall to have a good and durable base.
Aside from the pictures and paintings, you can also have statement art on your wall. Installing a striking piece of statement art can be eye-catching to the viewers. Moreover, isn’t it nice to wake up in the morning with a piece of interesting piece of art on your wall? Well, hanging one or two statement arts on your wall would be enough.
One of the struggles most homeowners have is that they don’t have anything to decorate at all. Perhaps, they are one of those homeowners who invest in a property with no furniture to fill the empty spaces yet. Well, you can go with wall coverings or wallpapers. Fret not! Wallpapers are easy to install on your walls. You just have to make sure that there will be no lumps on the surface.
There are a lot of styles when it comes to wallpapers. And it will always be up to you on what style of wallpaper you want to use.
The gallery wall
If you are a kind of person who likes to take pictures or paintings, then the gallery wall might suit your taste. You can have your wall combined with your photos and paintings with different sizes and color and framed or unframed artwork. You can also fill your wall with textiles and other wall decals. Of course, it is also important for you to consider mix matching your decals on the paintings of your wall. Make sure that the color and shapes, sizes can go along with your wall.
If you are not sure about the color combinations, then you can go neutral yet bold, sophisticated and creative in many ways.
Decorating your wall will always depend on what you want to do or have on your wall. Before you can decide on what kind of decorations you want for your wall, you also have to consider about whether your wall and the decorations are incorporated or not. If not, then you have to find ways on how you can mix and match your decals to your walls without compromising its quality.
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.
As we all know, being clean and organize at home is a must. Who would not like it, right? However, being clean at home doesn’t just apply to your on the outside appearance of your home may it be a house and lot in Cavite, Laguna or anywhere in the Philippines.
Whatever you do, don’t forget that there is also etiquette for bathroom use. Obviously, if you don’t know how to take good care of your bathroom, it will definitely reflect the overall factor of your lifestyle at home.
How much more when you host a party at home? And whether you like it or not, there will always be guests that will use your bathroom. Of course, if you don’t want to be embarrassed or letting your guest feel ashamed, you don’t just clean and organize the venue but also your bathroom. Generally, having the right etiquette for bathroom use is not that hard as you think it is. Just think about what and what not to do when it comes to using the bathroom.
However, if you are a first timer in hosting a party at home, below are some tips for you to follow on how you can achieve a satisfying bathroom use. And mind you, when you have a good bathroom to use, your guests will definitely impress on how good you are in taking good care of it.
Have lots of toilet paper back up
When it comes to parties, you should expect that there are guests who wish to use the bathroom. However, letting your guests call out a request for more toilet paper might not be a good experience for them. It is not just embarrassing on their side, but it is going to be a reflection of your personality, on how prepared are you when it comes to emergencies like this. And mind you, guests who request for toilet papers is not going to be a good experience for both sides.
Have citrus spray or matches handy
For any kind of emergencies like having an upset stomach, you cannot avoid using the bathroom. Of course, you need to let your waste go out. But if you don’t want to ruin your party by having a smelly odor in your bathroom, then you better prepare a citrus spray, this will lessen the odor and the embarrassment felt by your guests.
Hide anything you don’t want them to see
This is one of the most common and obvious things you should never forget. If you have anything in particular that you don’t want them to see, then you better hide it in a safe place. Well perhaps, it’s your napkins, and other stuff women usually use on their body parts. Of course, it is a private thing that you should not display in the bathroom that’s open for guests.
Provide a trash can
For an apparent reason, the trash can is an important thing for bathroom use. And mind you, a bathroom will never be complete if there is no place where they can put their trash such as toilet papers and another kind of trashes. That is why, if you don’t want to make your bathroom dirty or messy, then you better provide a trash can for it.
Clean and especially “boy clean” your bathroom
It is inevitable that guests may sometimes do some messy stuff in the bathroom. Of course, it is also your duty on how you are going to make it and keep it clean. Perhaps, you can provide a signage indicating to clean after their mess, or you can clean the bathroom from time to time. With that, you can make sure that the bathroom is always ready for the next user.
Make sure there’s a plunger in there somewhere
Aside from the trash can that is an important thing to have, you should also not forget about the plunger. Because without it, this might be worse than running out and extra toilet paper. You should complete all the bathroom necessities for you not to have any worries at all. Moreover, if you don’t have any problems with the bathroom use, then you will continue to enjoy the party. Of course, make your guests feel comfortable when in use of your bathroom use.
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.