Tag Archives: baby on the way

Saving Money On Big Life Decisions

Saving Money On Big Life Decisions

As we get older, and the responsibility piles on, we can often find we are spending out left, right and centre. Money worries are a significant cause of stress, and with many people less able to save on a weekly or monthly basis, it pays to get smart about what you buy.

Weddings, new babies, moving house, decorating and buying a car are all heavy hitters in terms of big spending. So how do you spend less and still enjoy those things?

Here are a few tips for you!

Photo by Sharon McCutcheon on Unsplash

Weddings

If you have been dreaming of a perfect wedding, for years, you don’t need to cast that aside just yet. Think about what you non-negotiables are. What is it you have to have without question. Is it the dress? What about the cake? Flowers perhaps? Sometimes the pinch really comes when the guest list keeps getting longer and longer.

If something doesn’t make the non-negotiable list, then those are places that you can safely cut back. Not everyone wants to spend so much on flowers when a small wild bunch looks beautiful.

Call in favours from friends and family to help you decorate the venue yourself, and do other things in the early stages like:

  • Design and print your own invitations, or create a free website for people to RSVP
  • Hand make the favours
  • Skip the DJ and create your own playlist, and use a simple Sono style speaker
  • Put a down payment on your dress as early as possible, so that you won’t need to pay too much of a lump sum later on.
  • Same with the venue
  • Always get insurance for your wedding. That way, if something does go wrong, you won’t lose a penny.

It is easy to get caught up in color schemes and taffeta, but try to remember that a wedding is about you and the person you love. The rest is just the trimmings.

Car

Buying a new car is out of most peoples reach. You can, of course, opt to go down the finance route, and that does come with a lot of perks. But in the end, you are still going to be spending a premium for those four wheels. Before you start working out what % deal you can get, consider buying a used car instead.

They have a few miles on the clock, sure, but they have also (in most cases) been well looked after. New cars do have that ‘new car smell’, but a second-hand vehicle has a whole personality of its own. They’re usually cheap enough to buy outright, you are free to haggle on the price if you want it even, and depending on the age they are cheaper to insure.

When you make the decision to buy a used car, don’t just buy the first one you see. If you have the time to visit a few and fit in some test drives, then try to do that. You’ll quickly learn if a car is for you or not. If you aren’t very great with cars, then try to bring someone along with you who is. They will be able to do some checks on the overall health of the vehicle and guide you n the right direction in terms of price.

Moving House

If you aren’t moving too far, then you have the luxury of calling in friends and family, hiring a van and doing most of the leg work yourself. When you are thinking about moving out of state or even to a new country, the logistics get a bit trickier.

The best place to start is by having a good clear out. Get rid of things you don’t love, need, or use. That might be a lot more than you think. Starting with your clothing works really well. If you need the inspiration to get your clothing sorted, or the rest of the house for that matter, then check out Marie Kondo. She has excellent tips about how to really clear your space of clutter. Donate what is good enough to be used again, sell what you can, and try to streamline what you’re taking.

Consider hiring a moving van yourself. It’s a lot cheaper than having a whole moving team doing it for you. And, while yes, you’ll need to do the heavy work yourself – you’re going to be saving big bucks. The size of van will obviously depend on what you are bringing with you, so really give everything a lot of thought.

Redecorating

Before you rush out to the DIY store, start cleaning and getting rid of stuff too. Much like moving, it will make the whole thing much smoother. Once you have gotten rid of the clutter, and given the place an excellent clean, consider this – do you want to redecorate, or do you just want a fresh feel?

Paint isn’t too expensive, and if you then focus on moving the furniture around instead of replacing things, you’ll get a ‘new’ looking space at a fraction of the cost. If you want to pick up smaller items, like vases, candles holders and even pieces of art for the walls, they are also cheap alternatives to a full redecorating project.

30 Day Rule

Unless you have to buy something immediately, start putting yourself on a timer. If you see something you want, instead of instantly buying it, make yourself wait 30 days. Then, if you still really want the item at the end of those 30 days go and get it. Often we make hasty decisions when it comes to making purchases. During the 30 day wait, you will think about your finances more, and do you really need it? More often than not, we won’t go back a month after to get something. Impulse buying always costs more in the long run. From dresses, you’re ‘saving’ and never wear, to the coffee machine that ends up gathering dust on the side.

Always give your finances the once over before making big decisions, and give yourself plenty of time to find alternatives too.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

How To Baby Proof Your Home

How To Baby Proof Your Home

Flickr

 

So you’ve got a baby on the way? – Congratulations! This is such an exciting time in your life right now, and you should enjoy every single step of the way.

One thing that will need to be done though is baby proofing your home. Babies are tiny, and everything will feel like a possible danger towards your baby, and this will scare you to death. But you shouldn’t worry, there are simple things that you can do to ensure the safety of your little one – allowing you to relax a whole lot when he or she finally arrives.

Here’s how.

 

 

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First, you should think about how safe your house is in general. It starts with the safety precautions like making sure you have smoke detectors and a carbon monoxide detector – people forget about this, but it’s so important as this is a silent killer. Unless you have a carbon-monoxide detector, you will never know. These should be on each floor of your home.

 

You should have a fire extinguisher in your kitchen, the water heater shouldn’t be any higher than 120 degrees, and you will want to cover all the electrical outlets with plastic caps.

 

Pick up what you can, and then vacuum away what you can’t. Babies will grab everything, and the first place it’s going to go is in their mouth, so you’re going to want to look at the best vacuum cleaners to suck up anything nasty.

 

Also, if you different levels to your house, install safety gates at the top and bottom of the stairs so your baby can’t get up or down.

 

 

The kitchen

This is probably one of the most important areas in the house because there are tons of hot things in there, and you can easily get distracted while cooking – even if you turn your back for just a moment.

 

Look at what’s inside your low cabinets and drawers. Most people tend to keep their cleaning products at the bottom, so if that’s the case, you’ll want to move everything to somewhere out of reach. Remove anything that’s sharp, and also any plastic bags as these can be a suffocation hazard.

 

Remember that once your baby can climb, they will be able to be in reach of the top cabinets and even the work surfaces, so you may want to invest in some stove-knob covers which will prevent your child from turning on any burners.

 

If you keep your pills and vitamins in the kitchen, make sure they are impossible for your little one to get a hold of. If your child does see them, they will most likely give them a try – they look like candy! Why wouldn’t they put them in their mouth?

 

Even the innocent things like magnets on your fridge from your holiday last year, may seem like a lovely souvenir, but unfortunately are the perfect thing for your baby to choke on. So put them somewhere safe and out of reach.

 

 

The living room

Cushioned corners will become your new best friend. You can put there on all the corners and edges that are exposed. This means any tables, shelves, and hearths. If your baby does topple over, they won’t be met with a hard pointy edge; instead, it’ll be a squidgy landing.

 

Don’t leave the risk of things from falling over; this means any bookcases or cabinets you have, mount them to the wall and secure the tv to whatever it’s sitting on.

 

You should also move anything away from your windows that your child could climb up – especially if you keep your windows open in the summertime. And if you have any blinds or curtains with cords – get rid of them. Your baby can get caught in the string and get it around their neck.

 

In general, anything you don’t want your baby touching or playing with should just be moved and put somewhere safe.

 

 

The bathroom

Don’t ever leave your child alone in the bathroom. It’s a simple as that, and even more importantly – if you have a bathtub, never ever turn your back on them – even if it’s just for a second. Babies can drown in just a couple inches of water, so always be on the ball. If the phone rings or the door knocks, bring your baby with you.

 

Move any cleaning products and put them somewhere else, as well as any electrical appliances like your hair dryer. And don’t leave any razors lying around the sink!

 

 

The baby’s room

It’s likely that you have already sorted out the baby’s room first, but if you haven’t, there are some areas that you should focus on.

 

If you’ve bought a brand new crib, then it should be absolutely fine, but if you’ve been given a second-hand crib, it’s wise to check it out properly to make sure it is up to standard.

That means making sure it’s stable, and nothing wobbles, and if there are bars on the crib, nothing can be pulled off.

 

When your child is under the age of 6 months, don’t put any cuddling toys, pillows and loose blankets in the crib. This is because they are still so vulnerable; they can easily suffocate on things like this if they cover their face as they sleep. So keep these for when they’re toddlers instead.

 

Make sure you have thick, soft carpet or rugs on the floor to cushion any falls your little one will have, and make sure there are no sharp edges or corners, (like you did for the living room.)

 

 

As long as you have some common sense, you shouldn’t worry about anything. There’s a lot to think about when you’re a new parent; it’s very daunting, and you are bound to feel pressure to do everything perfectly, but we all make mistakes. If your baby has a fall, don’t beat yourself up about it – as much as you’d like to wrap them up in bubble wrap – that’s just not realistic.

You are going to be an amazing Mom, don’t worry.

 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram