Useful Tips on How To Adjust To Your New Home

Useful Tips on How To Adjust To Your New Home

It’s not enough that you sleep and eat at this new house or apartment. It has to feel like you, but adjusting to a new home may be a challenge for you since it’s a new environment. A different set of people will surround you. You’ll have to familiarize yourself with where things are and how they work in the new house. Here are some ways to feel comfortable and adjust to your new space:

1.  Unpack ASAP

The more you delay unpacking, the more clinical and alien the whole place will feel like. You’ll have empty walls and a bedroom without a personality.

Unpacking and arranging all your stuff will right away make you feel like it’s your home. It leads to organizing, which points out what things you need to buy from the store and what part of the house needs revamping.

Plus, the bags and boxes won’t have to eat up all the space in the living area to accumulate dust for months on end. In a way, unpacking is also decluttering the space, and less clutter means less stress.

2.  Personalize

Before you moved into that one house and lot in Cavite area that you liked so much, you might have already picked out the colors of the walls and the flooring materials you desire. You might have made some alterations to the interior design and floor plan. While these aspects of the house can reveal your character, making it feel more like your own home, you need to take personalization further.

Pictures, memorabilia, artwork, and other little things can be scattered around the house to show bits and pieces of who you are. If you like to travel, you can display souvenirs on coffee tables. If you love spending time with family and friends, you can put up a photo wall. If you’re into art, you can display your collection all over the walls.

3.  Welcome Friends & Family

It’s time to create new memories in a new home, and it’s better to do it with other people around. Part of the reason we hold on to things and places are the things we remember them by.

So have your family over on Sundays for lunch at your new dining table. You can bake cookies with your significant other in the kitchen. Have drinks with friends in the backyard. Maybe you can invite your new neighbors over after meeting them while walking around.

4.  Get Out Of The House

Exploring the new neighborhood will be not only fun but also essential. First, meeting the neighbors will be interesting as you’ll discover new people, their roles in the area, and make new friends. Second, you’ll have a chance to join a community as you will need support during the adjustment period. Third, you will familiarize yourself with the area. There might be a cool cafe or diner around the corner or an extremely convenient convenience store that could save your life.

The Takeaway

Change is necessary and inevitable, and adjusting to it is not always a smooth ride, but it’s how you deal with it that matters. It’s a new learning curve, and you’ll soon love being in your new home.

Best,

[a contributed post]

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51 Legitimate Work From Home Jobs That Anybody Can Do

51 Legitimate Work From Home Jobs That Anybody Can Do

51 Legitimate Work From Home Jobs That Anybody Can Do

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These are 51 high paying work from home jobs! Perfect for moms, dads, students, part-time teachers...anybody. These jobs are legitimate, non-phone, and include data entry, transcription, editing, writing, and more. Click now to find your perfect work from home job! #workfromhome #jobs #onlinejobs

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Having the ability to work from home is becoming more and more vital each day.

Whether you want to stay at home with your kids or have the flexibility to work whenever you want, having an online job can help you tremendously.

Today, I’m gonna go over 79+ online job opportunities including:

  • side hustles
  • freelancing
  • blogging
  • taking surveys
  • proofreading
  • virtual assistants
  • transcribing

I’ll also include where you can find job opportunities for each category.

Let’s get into it!

1.  Side Hustles

Side hustles are the perfect way to dip your toes into the world of making money online.

Side hustles allow you to build up your income over time until you have a stable and reliable second source of income, which can eventually replace your current job.

These are the best ways to start a side hustle:

Open an Etsy Shop:  You can create and sell endless things on Etsy, such as t-shirts, jewelry, decor, planners, beauty products, etc.  If you have a skill such as knitting or painting, consider opening your very own Etsy shop to list your unique products and earn money online.

Affiliate Marketing:  The basic concept of affiliate marketing is this — You recommend affiliated products to an audience, they make a purchase, and you receive a commission.  To get started with affiliate marketing, sign up for affiliate programs such as Amazon.com, CJ Affiliate, and ShareASale.  Once approved, you can begin promoting products on Pinterest, Instagram, your blog, and more.

Hint:  This blogger makes $100,000+ a month using affiliate marketing and will share all her secrets with you!

Start a YouTube Channel:  You can start a YouTube channel about literally anything — from toy reviews to make up tutorials, there is a niche for everybody.  And, over time, you can earn thousands (if not millions) of dollars using this platform.  To get started with your own YouTube channel, simply START.  Film your first video (even if it is on your iPhone) and get into a routine from there.  Consistency is key!

Create Digital Products:  I make $3,000+ every month with ONE digital product (see it here).  And the best part is this — you don’t need a blog to sell your own digital product.  Heck, you don’t even need to create your own digital product.  Simply head on over to Creative Market to find digital products to sell, purchase the rights to them, and list them on your own e-Commerce shop such as Square Space or Shopify.

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Become a Consultant:  Are you currently working in a field such as accounting or legal?  Or maybe you’re an expert in gardening or blogging.  You can turn your knowledge into a consulting gig to earn extra money!

Sell Your Stuff:  Selling your stuff on eBay, Craigslist, and/or Facebook Marketplace can be a very lucrative side gig.  And, when you run out of your own stuff to sell you can scour thrift stores and yard sales for more items to flip!

Rent Out Space on Airbnb:  Do you have a spare bedroom or even an inlaw apartment in your home?  You can make big bucks by renting these spaces out on Airbnb.  Simply click here to get started today.

2.  Freelancing

Freelancing using a skill you already have is a great way to earn a living from home.

For instance, you could design websites for clients, manage social media accounts, or handle the accounting for a small business.

Here is a list of the best places to find freelancing gigs:

Upwork: Simple and free to get started.  You can find freelancing jobs for web development, graphic design, writing, sales, marketing, administration support, customer service, and more.

Fiverr:  A personal favorite!  Find professional freelancing opportunities for designers, developers, writers, musicians, and more.  You can create your seller profile by clicking here!

Toptal: Perfect for freelancers with years of experience.  When you sign up with Toptal, you will be connected with a “top-tier professional network, great clients, and resources you can leverage to accelerate your career.”

Simply Hired:  A job search engine that will connect you with thousands of remote and work from home job listings.  Simply Hired is free to use and offers job tools such as a resume builder.

People Per Hour:  Simply fill out your application to join their community of high-quality freelancers!

Task Rabbit:  When you sign up to become a Tasker with Task Rabbit, you can find jobs that are right for you, set your own prices, and create a schedule that works for you.  Win, win, win!

99 Designs:  The perfect freelancing place for designers!  Apply as a designer to be connected with high paying design work.

Freelancer:  Freelancer is the world’s largest online platform for finding online jobs, freelance employment, outsourcing services, and more.  It takes less than 5 minutes to sign up and is super simple to use!

Flexjobs:  An entire job search engine dedicated to remote and flexible jobs!  A.K.A., the dream!  Signing up for Flexjobs is $14.95/month and is well worth the cost if you want to quickly find a work from home job.

3.  Blogging

Running a blog is a lot of work but has a very high payout if you do it correctly.

On average, bloggers make anywhere from $1,000/month to $10,000/month.  However, some bloggers are making over $100k per month!

So, as you can see, blogging can be a very (and I mean very) smart investment if you want to work from home full time.

And, the good news is this:

You can earn money from blogging 3 ways — starting a blog from scratch, buying an already established blog, or flipping blogs for profit.

Start A Blog:  Starting a blog is very affordable and will only cost you about $200 to begin.  Then, once you have your blog set up, you can earn money by creating content that contains affiliate links, launching new products, writing sponsored posts, and generating ad income.  Most bloggers see a full-time income from their blogs within 1-3 years, so patience and consistency are KEY.

Hint:  The most profitable blog niches are health & fitness, personal finance, personal development, parenting, and travel.  Start your blog today for just $5.95/month!

Buy A Blog:  Don’t feel like starting a blog from scratch and waiting 12-48 months to see a full-time income?  Well, you’re in super-duper luck!  There are tons of blogs for sale on places like BlogsForSale.co and Flippa that are already earning a full-time monthly income.  So, if you can afford to invest in an established blog, you will be able to earn a full time living at home instantly.

Flip Blogs:  Another way to make money in the blog world is to flip blogs!  To do this, you would create a blog and then sell it for profit.  You can sell an established blog (one earning a full-time monthly income) for $25,000+ and starter blogs for $500+.

4.  Taking Surveys

Taking surveys – in the right places – can help you earn a living while working at home.

Here’s the deal though:

Although you definitely can earn a full-time income taking surveys, it is much more realistic to use survey taking as ONE of the ways you earn money from home.

I love taking surveys when I am waiting in the doctor’s office, in line at the store, or waiting for the bus to drop the kiddos off.

Doing this boosts my at-home-income by up to $500 a month!

These are the places I recommend taking surveys for money:

Inbox Dollars:  Earn extra cash by taking surveys, watching TV, playing games, and more.  Click here to get started for free.

Swagbucks:  Make money from home taking surveys, searching the web, and playing games.  Sign up here to earn a $10 bonus!

Prize Rebel:  Take surveys to earn money!  Click here to become one of many earning hundreds of dollars a month.

Vindale Research:  Earn up to $25/survery!  Sign up now to get started.

Survey Junkie: Take short surveys to earn rewards that you can cash out via PayPal!  Get started here.

5.  Proofreading

Proofreading opportunities have skyrocketed lately, which is awesome news for all of us!

On average, you can earn $20+ per hour proofreading, depending on education level and experience.

These are the best places to check for high-paying proofreading jobs:

ProofreadingServices.com: Find full-time and part-time online proofreading and ESL tutoring jobs here.  Earn up to $46 per hour!!

Scribendi: Apply to become a freelance editor/proofreader. *4-year degree required.

Proofreading Pal: Currently hiring experienced applicants with a graduate degree.

WordVice: Find job opportunities in freelance editing, translating, research, writing, teaching, and tutoring.

Kirkus Media:  Currently hiring experienced book reviewers of English and Spanish-language books. To apply, click here.

Gramlee:  Always looking for editors to add to their team!  Apply here.

6.  Work From Home Careers

There are tons of mainstream jobs that are turning into work from home jobs.

Now that technology has advanced and computers are in almost every home, offices are becoming obsolete (and expensive)!

Check out the careers below that have remote work opportunities!

Medical Coding: Get your certificate in medical coding to start earning $22+ an hour from home!  *I worked as a medical coder for a hospital for 3 years before getting my CPC certificate.  Now, I can apply to remote medical coding positions and work in my pj’s!

Amazon:  Amazon.com is currently hiring for over 1,000 remote positions.  Things like Alexa Support Associates, Technical Support Associates, Escalations Investigator, and soooo many more.  Click here to apply!

Programming:  Do you have a history in programming?  Check out over 500 remote job opportunities on Indeed.com. *This one pays $150,000/year!

Graphic Designer: If you have a degree in graphic design you can find tons of work from home job opportunities.  Try searching on Indeed.com, Remote.co, and FlexJobs.com.

Virtual Call Centers:  Tons of companies need people to answer the phones for them to answer general questions.  Find opportunities here.

Writers:  Use your writing skills to create a work from home career.  Publish a book, write for a magazine, ghostwrite for bloggers, and more.

Data Entry: These jobs are usually entry-level and you can’t beat being able to do it from home!  Apply here.

Online Education & Tutoring:  There is a huge demand for teaching English online. Find opportunities at VIPKid starting at $22/hour!  You can also become an online tutor here.

7.  Virtual Assistants

With so many people starting their own online businesses, the need for virtual assistants is growing.

A virtual assistant does things like answering emails, writing blog posts, managing clients, social media marketing, and more.

You can find virtual assistant jobs here:

Zirtual.com: Email [email protected] to inquire about job openings!

Upwork:  Sign up to be connected to hundreds of virtual assistant jobs.

Guru: Join the 800,000 others finding work from home jobs at Guru.com!

Craigslist: Don’t forget to check your local Craigslist ads for virtual assistant jobs and work from home jobs.

Indeed.com:  Simply search “virtual assistant” to find thousands of job openings!

LinkedIn:  LinkedIn is a great way to connect with other online professionals and seek out virtual assistant positions.

Belay: Be connected with virtual assistant jobs after applying here!

8.  Transcribing

Transcribing is the act of listening to a recorded conversation, meeting, phone call, etc. and writing it down verbatim.

If that’s up your alley, find opportunities at these places:

Rev Transcription: Find job opportunities for converting audio to text, creating captions for videos, and subtitles for foreign media.  Apply here!

GMR Transcription:  Click to apply to transcription and translation jobs!

GoTranscript:  Earn up to $1215 per month by signing up here!

• CastingWords:  Work as much or as little with CastingWords.  Apply to become a freelance transcriber, here.

Transcribe Me: Top rated, best work from home site!  Earn $15-$22/hour by signing up here.

• Daily Transcription:  Currently looking for stay at home moms and dads, students, part-time teachers and more to join their team!  Earn up to $950/week by applying here.

There you have it — 51 places to find work from home jobs!

Which ones are you gonna try to create your at-home career?  Comment below!

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STAY KIND, 

– michelle

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These are 51 high paying work from home jobs! Perfect for moms, dads, students, part-time teachers...anybody. These jobs are legitimate, non-phone, and include data entry, transcription, editing, writing, and more. Click now to find your perfect work from home job! #workfromhome #jobs #onlinejobs
These are 51 high paying work from home jobs! Perfect for moms, dads, students, part-time teachers...anybody. These jobs are legitimate, non-phone, and include data entry, transcription, editing, writing, and more. Click now to find your perfect work from home job! #workfromhome #jobs #onlinejobs

Disasters That Can Throw Your Budget Off

Disasters That Can Throw Your Budget Off

No matter how much you strive to stick to a budget, there is always something that crops up to throw you completely off your game. Sometimes, you can prepare for this; that’s part of the reason you have a budget, after all. However, other instances come entirely out of nowhere, and these are the ones that can disrupt your budget much more severely than you might think.
1.  Car Accidents
From getting in touch with your insurance to liaising with a car accident attorney, motor accidents can be a sudden strain on your financial situation, and these can be especially frustrating if the accident was not even your fault.  These issues are further compounded if your car is damaged without any proof of who the culprit is. Furthermore, it’s not just the inconvenience of the damaged car, but also potential money you could lose by missing work or being unable to make other commitments.
2. Home Repairs
Home repairs are another thing that is generally never your fault and can strike at any time. They could involve a flood, electrical damage, pipes blockage, and bursting, or a mixture of all three and more.  Emergency callouts can be expensive, too, mainly if such emergencies occur late at night during out-of-hours. Severe damage could also make your home unlivable for a time, and you might be forced to stay in a hotel while you wait for repairs.
3. Unexpected Bills
Random charges on credit cards, including those caused by identity fraud and other potential issues, are another thing that can wreak havoc on your finances. Typically, these issues are slow, so you don’t notice anything odd happening until it’s too late. With these sudden and unexpected bills, you risk falling entirely out of your weekly budget. Because you’ve lost money already through nefarious means, it can be even harder to get back on track without the help of others, whether that’s your partner, friends, or the bank.
4. Medical Costs
Medical costs, even with insurance, can knock you out of sync with your budget, and if it is something more severe than a mere trip to the clinic, you could find yourself working on a small budget for months.  Whether its flu season or an injury caused after an accident or experienced during sport, these medical costs are never pleasant regardless of who you are, and if they come out of nowhere, there’s a risk they could keep you off work, also.
5. Pet Care
We love our pets, and so we will do anything to ensure they are happy and healthy, but just like medical bills for us, medical bills for pets can be astronomically high.  Your dog could eat something it shouldn’t have done when you turned away for a second. Your cat could have injured itself when exploring the neighborhood, and while pet insurance is useful to have, it can still sting the wallet.
6. Staying In Line
There is no way for you to avoid disasters. No matter how careful you are in one aspect, there’s always the chance that another one will come crashing through your door at any moment. This is why budget, savings, and insurance are more important than ever before. It’s always a good idea to be prepared for anything, no matter how unlikely it seems right now.
Best,
[a contributed post]
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The Debt Snowball Method To Pay Off Debt Fast

The Debt Snowball Method To Pay Off Debt Fast

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

planner

The Debt Snowball Method To Pay Off Debt Fast

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Becoming debt-free is no easy task.

Between high-interest rates and an inability to afford more than the minimum payment, paying off debt can feel like an impossible task.

But, fear not!  I have good news:

These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

When you use a debt payoff strategy, like the Debt Snowball Method, becoming debt-free will become your reality.

Today, we’ll go over:

  • what the debt snowball method is,
  • the pros and cons of using this method,
  • how to set up your own debt snowball,

and more.

Now, let’s dive in so you can become a debt-free badass ASAP.

WHAT IS THE DEBT SNOWBALL METHOD?

The Debt Snowball Method is a strategy for paying off debt that has you prioritize your debt payoff in order from lowest amount owed to highest.

In other words:

When you use the snowball method, you will make minimum payments on all your debts EXCEPT for the one with the lowest total amount owed.

For your debt with the lowest total amount due, you’ll pay your minimum balance PLUS all EXTRA income until this debt is paid off in full.

Next, repeat this process for all of your debts until you are debt-free.

THE PROS & CONS

One of the reasons why paying off debt is so difficult is because most of us can’t afford more than our minimum payments.

Because of this, even if you continue to pay your minimums on all of your debts, month after month, your total debt won’t decrease by hardly anything.

But, when you use the debt snowball method, you will be able to knock out your lowest debts first, which frees up tons of money for paying off your larger debts.

This is the biggest pro to using the debt snowball method: You won’t feel like you’re in a never-ending cycle of debt payoff.

Now, you might be wondering:

“This sounds great and all, but if I can’t afford more than my monthly minimums, where is this extra cash coming from to put towards my lowest debt?”

Well, in order to free up money for extra debt payments, you’re going to have to do three things:

  1. Reevaluate your current budget
  2. Cut unnecessary expenses
  3. Track your spending

Don’t worry:  I’m not gonna leave you hanging.

Let’s take the time to go over each of these steps, now.

1.)  Reevaluate Your Current Budget

Do you have a budget that you stick to each month?

Maybe yes, maybe no?

Either way, take the time to reevaluate your current budgeting method by:

1.  Writing down your monthly income sources and your monthly expenses

2.  Next, subtract your total monthly expenses from your total monthly income to see if you’re living within or beyond your means.

If the number you calculated is positive, then you are living within your means and have extra money each month – extra money to put directly towards paying off debt.

If the number you calculated is negative, then you are living beyond your means and are spending more than you earn each month.  

Therefore, you will have to minimize unnecessary spending and decrease your monthly expenses to free up money for your debt.

Keep reading to learn how to decrease your monthly expenses by up to $1,000!

Read Next…

Need help starting a budget?

Click to learn about the 5 best budgeting methods and decide which one is best for your lifestyle!

2.)  Cut Unnecessary Expenses

When you take the time to actually write down everything you pay for each month, it becomes very obvious which bills you’re overspending on and which bills you can get rid of altogether.

So, first things first, write down all of your expenses (and mark which ones are fixed expenses and which are variable expenses).

(Monthly Expense Organizer found in our Budget Boss Binder)

Next, take your variable expenses and get rid of all non-necessary items, such as cable and take out money.  Then create a budget for the rest of your variable expenses such as $100/week for food and $20/week for gas.

Finally, let’s look at your fixed expenses – things like rent, car insurance, and cell phone bills.

Go down your list and make a plan to decrease each item (if you can).

For example, you should:

These are just a few examples of how you can easily decrease your monthly expenses by hundreds of dollars — hundreds of dollars you can now put towards debt!

Read Next…

Who knew saving hundreds of dollars could be so simple?

Furthermore, who knew you were missing tons of opportunities to save money on things you already buy?

Click to learn 101 ways to save money!

2.)  Track Your Spending

Do you know how much money you spend each month on coffee?  Trips to Target?  Random late-night shopping sprees?

It’s cool.  Neither did I.

It wasn’t until I started tracking my spending in a budget planner that I realized this:

It is insane how much money I was spending without even realizing it.

And, you probably are, too.

It’s a simple fix though:

Start tracking your spending in a budget planner and then stop your bad spending habits.

This budget-saving tip freed up $250/month for me to put towards debt!

HOW TO SET UP YOUR DEBT SNOWBALL

Awesome!

Now that you’ve freed up tons of money to put towards your debt, you can finally set up your debt snowball.

It’s super simple, just follow these steps:

  1. List your debts in order from the lowest total due to the largest total due
  2. Make your minimum payments on all debt + put all extra money towards the debt with the lowest total balance until it is paid off
  3. Put your first debts minimum payment towards your next lowest debt + all extra money until it is paid off
  4. Repeat this process until all debt is paid off

Let’s see each step in action….

STEP 1:  List your debts in order from lowest total balance to highest

Before diving into your journey to becoming debt-free, it is crucial that you know exactly how much debt you have.

So, make a list of every debt you have, including your minimum monthly payment and your total balance due.

Then, number this list in order from your lowest total balance to your highest total balance.

(Make sure you’re not forgetting any debts by using a copy of your credit report from Credit Karma!)

For example:

  • Debt 1 – Credit Card #1: $70 minimum payment + $3,000 total balance
  • Debt 2 – Credit Card #2: $145 minimum payment + $5,000 total balance
  • Debt 3 – Car Loan: $390 minimum payment + $8,500 total balance
  • Debt 4 – Studen Loan: $100 minimum payment + $11,000 total balance

**To help you with this step, I’ve created a super simple worksheet that you can download as part of your Budget Boss Binder.

*Debt worksheets included in our Budget Boss Binder

STEP 2:  Make minimum payments on all debts + put all extra money towards debt #1

This is when you’ll start paying off your debt by making minimum payments on all your debts EXCEPT your number one priority debt.

On your debt with the lowest overall balance, make your minimum payment + put all your extra money towards additional payments.

I know, I know.  Extra money.  Ha!

The reality is that most of us don’t have extra money lying around (or we probably wouldn’t be in debt).

So, don’t forget these tips:

1.  Refinance your mortgage for a lower interest rate & start paying biweekly

2.  Sign up for Trim to cut your cable, phone, and WiFi bills in half

3.  Switch to Mint Mobile to save hundreds on your cell phone bill

4.  Refinance your car loan for a lower interest rate

5.  Shop around for lower car insurance

6.  Invest in energy-efficient options to reduce utility costs

7.  Consolidate your credit card debt into a personal loan to decrease your interest costs and create one low monthly payment

8. Refinance your student loans for a lower interest rate

9.  Switch to Chime Bank (it’s SO simple!) to get rid of all banking fees (and get a FREE $50 gift right now)

10.  Make & stick to a budget

And, lastly, you can always make more money to put towards your debt by asking for a raise, working overtime, getting a second job, starting a blog or side hustle, selling your stuff, renting out a spare bedroom in your home, and more.

Here is what step #2 should look like:

  • Debt 1 – Credit Card #1: $70 minimum payment + $3,000 total balance  MAKE $70 MINIMUM PAYMENT + ALL EXTRA MONEY YOU HAVE
  • Debt 2 – Credit Card #2: $145 minimum payment + $5,000 total balance – MAKE $145 MINIMUM PAYMENT
  • Debt 3 – Car Loan: $390 minimum payment + $8,500 total balance  MAKE $390 MINIMUM PAYMENT
  • Debt 4 – Studen Loan: $100 minimum payment + $11,000 total balance  MAKE $100 MINIMUM PAYMENT

You will continue step #2 each month until debt 1 is paid off in full.

STEP 3:  Put debt 1’s minimum payment + extra money to debt 2

Once your first debt is paid off (yay!), you can put its minimum payment + all extra money towards your next debt.

This means that your second debt shouldn’t take as long to pay off because you’ve significantly increased the amount of money you have to put towards payments.

For example:

  • Debt 1 – Credit Card #1: $70 minimum payment + $3,000 total balance – MAKE $70 MINIMUM PAYMENT + ALL EXTRA MONEY YOU HAVEPAID OFF
  • Debt 2 – Credit Card #2: $145 minimum payment + $5,000 total balance – MAKE $145 MINIMUM PAYMENT + $70 MINIMUM PAYMENT (FROM DEBT 1) + ALL EXTRA MONEY
  • Debt 3 – Car Loan: $390 minimum payment + $8,500 total balance – MAKE $390 MINIMUM PAYMENT
  • Debt 4 – Studen Loan: $100 minimum payment + $11,000 total balance – MAKE $100 MINIMUM PAYMENT

Once debt 2 is paid off, put debt’s 1 and 2’s minimum payments towards debt 3, and so on.

STEP 4:  Repeat this process until you are debt free!

Once you’ve gotten the hang of the debt snowball and have paid off your first two debts, you’ll simply continue the same process until you are debt-free.

By the time you’re working to pay off your 3rd, 4th, 5th, debt you’ll have so much money to put towards payments that clearing your debt will become a breeze.

Woo-hoo!

HOW TO MAKE SURE YOU  STICK TO YOUR DEBT PAYOFF PLAN

Now, sticking to your debt payoff plan is easier said than done.

So, how do you make sure you follow through each month on your debt snowball?

I’ve got two ways to motivate you to continue paying off your debt:

  1. Create a reward system
  2. Track your progress

Firstly, after you pay off each debt (or half of each debt), reward yourself!  Go out on a celebratory date, buy a new outfit, pop some champagne, etc.

After paying off large sums of debt, you should acknowledge and feel goooooood about such a big accomplishment.

Secondly, and most importantly, you should track your debt repayment progress each month to make sure you’re sticking to the plan.

To track your debt repayment progress, I highly recommend using our Budget Boss Binder.

When you use our Budget Boss Binder to track your debt repayment progress, you will be able to map out your budget each month to make sure you’re putting as much money as possible towards paying off debt.  You’ll also be able to track your debt payments using a monthly tracker.

And, I’m excited to tell you:

Because we love our readers so much (where would we be without you!?), we’re offering our Budget Boss Binder for only $9 (66% off) RIGHT NOW.

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When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

Alright!  There you have it!

A complete guide to the debt snowball method for paying off debt!

Will you be using this strategy to become debt-free?  Or do you have a better way?  Leave a comment below!

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DESTROY YOUR DEBT!
– michelle
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5 Ways To Save Money During Your House Move

5 Ways To Save Money During Your House Move

Moving home is stressful, and part of the reason for this is the expense. From buying a house to covering all of those additional costs that are part of the process, you will experience more than a few worries when dealing with the expenses before you. 

Still, it is possible to save money during your house move, so check out our suggestions on how to do so below.

1.  Make Your Usual Savings

You know that money will be tight during your house move, so in the weeks and months leading up to your move, do what you normally do to save money. Think frugally with your food shopping, cut down on the energy you use at home, cut back on your treat days, and commit to other money-saving habits so you have more reserves in your bank balance. 

2.  Speak To The Professionals

Your real estate agent will let you know when house prices are likely to drop, so consult with them when house shopping. A real estate lawyer will ensure you don’t make any costly legal mistakes when moving home, so have them on speed-dial. And a home inspector will warn you against any potential money pits, so have them by your side when investigating properties. Yes, you will face additional expenses when hiring such professionals, but as they might be able to save you money in the long-term, you should still consider their overall worth.

3.  Declutter Your Home

There are three advantages to decluttering your home. For one, you will have fewer packing boxes to buy if you can get rid of some of your belongings. Secondly, you will be able to make savings if hiring a removal service, as you will face fewer charges if they have less to carry. And finally, you will be able to put more money into your savings if you can sell some of your unwanted belongings. So, for each of these reasons, start to declutter your home in the weeks and months leading up to your house move.

4.  Seek Help From Your Friends & Family

There are all kinds of money-saving reasons as to why you should. Firstly, they might have packing supplies from their own house moves, so source what you need from them. Secondly, they might have the time to assist you with your clean-up, so you won’t need to hire a specialist cleaning service before you depart your property. And finally, they might be able to transport your belongings for you, so you will have less need to pay for a removal service. So, speak to those closest to you and seek their valuable assistance.

5.  Compare Everything

If you are using a removal service, compare local prices before choosing a company. When looking to buy insurance for your new home, use a price comparison service to get an affordable deal. And do the same for your utilities, as you will then have fewer to pay on your household expenses in the days and weeks following your move. Follow the same practice for each aspect of your house move, as the more money you can save in the process, the better.

Thanks for reading, and good luck with your house move!

Best,

Michelle

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