Tag Archives: Marie Kondo

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.

Winter Chores To Tick Off The To Do List Today

Winter Chores To Tick Off The To Do List Today

Winter seems to be a time of year where we just want to hibernate and only do what is necessary, and no one blames you for having that mentality. It is cold, grim, and a time of the year that you feel the financial stress as well as the burden of daily life. However, winter can also be the time of year that you get yourself organised, in your life and your home, so here are some of the winter chores that you can tick off your to do list today.

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One of the things we can forget about when winter strikes is our cars. But yet we expect them to work on those cold mornings, to navigate icy streets when the snow comes, and to still get us from one place to the next. It might be time to book your car for a service and a winter check. Websites like www.eliteautomotive.vegas could be a good place to start to find out what is involved and costing. The mechanics will probably check your tyres to ensure there is enough tread, the levels in your engine and also things like brakes and general wear and tear to ensure your car is in good working order. It is worth it to ensure that you won’t get caught out when you need your car the most.

Clear out those gutters and drains

When it comes to our homes, and more specifically, the outside of homes and the gardens, it is fair to say we probably avoid it at all costs. The weather is too cold for that. But, this is the ideal time to get rid of any debris in your garden, and specifically clear away those gutters and drains. On a cold icy day, this job will be easier to do, and will help you avoid problems when the rain kicks in again as the temperatures begin to rise before spring. There are plenty of tips online to help you do it, and it could certainly be a great chore to tick off your list. It will also help your home to look a little more presentable in time for the spring season ahead.

Declutter your home and embrace tidiness

Clutter can really add up during the winter months. We tend to want one in hibernation mode, and so avoid tasks that means decluttering or deep cleaning. But, at this time of the year it is the perfect time to start decluttering your home and making some changes. There are things you can consider doing such as embracing tidiness. Marie Kondo with her Konmari method has taken the world by storm thanks to the recent Netflix series, and it could have you looking for all of the items that spark joy. If you don’t want to go to that extreme, simply declutter a room at a time. Don’t forget any unwanted items could be donated or sold online to boost your income.

Let’s hope this has you inspired to tick off some of these winter chores.

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.