Monthly Archives:

January 2015

Battle-Of-The-Bulge, Budget Style: Lose Weight With Housework!

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Hello again, savvy savers!  Today I am 31 years young, I am 5’6”, and weigh 198 lbs; I am down one pound since last week. I walk my dogs but beyond this am not terribly active. My lifestyle causes sedentary behaviors; I work-from-home, blog, run two internet businesses, and perform advocacy work online as well. I am an internet-based excuser! Today this changes! Spring has sprung, and so shall I! I have taken up yoga, and have started working out with a pedometer on as well!

For this weeks Battle-of-the-Bulge, Budget Style post, I wanted to share with you one of my favorite ways to exercise, and that is with basic, everyday housework! Consider the amount of time you spend each week completing the following, and you will see how much extra pounds you will be able to shed!

Here is a simple guide as to how many calories you can earn by completing each chose for 15 minutes:

  • Carpet sweeping, sweeping floors: 39 calories
  • Mopping: 43 calories
  • Multiple household tasks all at once, light effort: 26 calories
  • Dusting: 26 calories
  • Washing dishes, While standing: 22 calories
  • Vacuuming: 43 calories
  • Butchering/Freezer Cooking Prep: 85 calories
  • Cooking and Canning: 17 calories
  • Serving food: 26 calories
  • Feeding animals: 26 calories
  • Putting away groceries: 26 calories
  • Carrying groceries upstairs: 111 calories
  • Food shopping: 22 calories
  • Ironing: 22 calories
  • Doing laundry: 17 calories
  • Putting away clothes: 22 calories
  • Making the bed: 17 calories
  • Moving furniture: 85 calories
  • Scrubbing floors: 48 calories
  • Sweeping garage, sidewalk, and outside of house: 51 calories
  • Watering plants: 26 calories
  • Playing with children: 26 calories
  • Carrying small children: 34 calories
  • Elderly & Disabled Adult Care: 51 calories
  • Playing with pets: 26 calories
  • Bathing pets, while standing or kneeling: 43 calories

Here’s to better health,

Birthday_Cake22

Saving To Go, With A Cup of Joe: Save With Online Billing Cycles

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Good morning, savvy savers! This past holiday my husband and I spent some time discussing our financial goals for 2015, and one area we both agreed could use a little tweaking was our monthly budget, as we both opted to up our percentage of donations and to cut an additional 10% of our monthly spending to contribute to a new retirement fund. So, last week upon searching, researching, and looking over my monthly bill book, I realized that part of the amount needed for my new account was already in reach! Let me explain…

Three years ago, when I was first married I was given the opportunity to switch from working in my traditional office, to working my clerical position from home. With these new changes, came a new pay cycle, a cycle which was maligned with my current utility and housing bill cycles.  My pay cycle had changed, which meant that my bills were now coming in during a time of the month when I had the least cash flow. I wasn’t prepared for this change, so I called up my major creditors and asked to change my billing cycle dates. To make sure I was keeping with my new pay cycle, I also decided to sign up for auto-pay instead of continuing to pay by mail.

Why auto-pay? 

  • Changing my billing cycle to auto-pay forced me to pay my essential bills right away, and pay down debt.
  • I also contacted my local Credit Union and Employer, and had the remaining bulk of my paycheck directly deposited into my savings account.
  • These steps allowed me to know exactly how much money I had left over in my discretion fund every month.
  • I then immediately knew how much cash I would have left for my envelope savings system. 

So here’s how these two simple changes will benefit your financial future:

  1. Eases the impulse cash bind: When you align your billing cycle dates with your pay dates, you reduce the risk of impulse purchasing power, as your extra cash you have not needed for mortgage or rent, car payments, insurance, groceries, gas, etc., can be immediately used to fund your savings account.
  2. How this helps: When your bills are paid as soon as your paycheck comes in you cut your ability to impulsively spend.
  3. Saves money: If you send in payments through the mail, you’ll pay the cost of envelopes, stamps, paper, bank checks, and gas to drive to the post office; broken down you can except to pay around the following:  $0.02 envelope + $0.49 stamp + $0.02 paper + $0.05 check + $0.32 gas = $0.90 per bill paid via U.S. mail. That’s about $0.90 per bill that you could be saving each month. Why should you be paying extra to pay your bills?
  4. Keeps you safer: Auto-pay offers you the added layers of safety through data encryption and keeps sensitive data out of your trash can, where unscrupulous individuals could potentially use your statements and information in an effort to steal your identity.
  5. Repair credit score: The more timely you are about paying bills, the better your credit score will become over time; you can increase your credit score by as much a few points each month!
  6. Card rewards: I have two emergency family credit cards, two cards whose reward balances are used for hotel travel for my husband and I.  Sending in your card payments by check doesn’t help you accrue any type of reward. Converting bills to auto-pay and choose a rewards credit card to pay with, you accrue reliable rewards each month. However, these rewards are only valuable if you don’t cancel them out with interest from carried balances.
  7. Saves yourself time and stress: When you align your billing cycle dates with your pay dates, you only have to spend time paying bills once per month.
  8. Helps you take control of your finances: When you are unaware of when your bills hit each month, you can prevent the hidden, unnecessary charges from overdraft or insufficient funds charges, which can range from $10 to $30 per transaction!

All of these steps have helped to save my family $174.00 last year, and as I plan to continue this trend, will help me to come that much closer to recouping my 10% extra savings goal for 2015! 

Here’s to saving,

Birthday_Cake22

Weekly Reflections, 01/04/15!

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Hello again, savvy savers! I wanted to end my weekly posts by bring the week to a close with a post about the reflections on this past week. I am in the process of changing this weekly posting series, to reflect more of both my strategies and pitfalls, and while this revamp should be ready this time next week, I wanted to end my weekly posts by letting you all know just how much I appreciate everyone stopping by my little corner of the world. 

My goal for this week: Organize my blog. Organize several projects in my home. Organize my office. Organize me! 

What are your goals for the week, I’d love to hear them below in a comment!

Happy Sunday!

Birthday_Cake22

Gardening On A Budget: Tips For Taking Care Of Indoor Citrus Trees Over Winter!

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Hello again, savvy savers! I hope the New Year, and end to the first week of the New Year, finds you joyful, peaceful, and teeming with resolutions in the making!

For this weeks Gardening On A Budget Post, I wanted to share what I have been up to this week, gardening-wise, and that is the care of my indoor dwarf Meyer Lemon, Mandarin, and Key Lime trees! For the first few years of my childhood, I lived on Signal Hill in Long Beach, California, and our home was surrounded by thick, flourishing citrus trees. When my Mother needed to relocate to the Jersey Shore for work, her love of citrus followed us, and since she always maintained citrus trees, and for the past few years I have done the same here is good Ole Mississippi!

Today I have a terrible secret: Previous to this past year, all of my indoor citrus trees keep dying. No matter how I carefully planted, nurtured, and tended to each beauty, they just did not seem to be flourishing as they should. Though trial, tribulation, and a lot of study this past year, I have found ways to help my plants start to flourish, and hopefully these tips may be able to help you, too!

 

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1) Humidity:  Did you know that most indoor environments have around 10 percent humidity, whereas most citrus producing tress thriving outdoors need closer to 50 percent or more  humidity to thrive? So, many of you might be thinking of using a humidifier at this point, and while you can in short stints, this is not a great long-term solution, as over time humidifiers can cause mold, mildew, and paint peeling. An affordable solution? A humidity tray. Get a saucer or tray two inches in diameter larger that your citrus plant. Fill the tray with a single sheet of stones, and then fill the reservoir 3/4 full of water; refill the tray every fourth day. This method will give the trees enough natural, filtered humidity to mimic their natural outdoor elements. The Dollar Tree has an excellent variety of trays, and river rocks for that matter, which will work great for this budget-savvy project, too! Also, be sure to move trees outdoors for twelve hours stints, when weather permits, making sure to leave them in full, filtered sun, and return to the indoors two to three hours before nightfall; wheeled trays make this task easy!

2) Wind: Buildings, particularly homes newer than a decade old, tend to be airtight in nature, which can cause stagnant air. Citrus trees need air circulation, so whenever possible move plants outdoors in nice weather, and in winter when moving plants outdoors is not optional, use ceiling or tower fans, for eight hours daily to mimic ideal wind patterns in your home. Also, as Spring approaches, consider opening windows and doors for small stints of time as well, but be aware that winterizing citrus trees indoors can cause thinner leaves to form, and so to prevent sun damage to your citrus, never leave plants outdoors more than a few hours at a time starting in March of each year. 

3) Moisture: I knew my trees were veering away from the primrose path when I started to notice curling, yellowed leaves. Why does this happen? Well, obviously this condition is due to a lack of watering and moisture, but moreover its because plants that get too dry, allow salts to crystallize in root structures. Salts, when soil are wet, are soluble and will not harm plants and act as a great source of plant nourishing nitrogen, but when soil dries out, salts will accumulate in the soil drying plants out. To prevent yellowing leaves, keep plants moist by watering plants every fourth day, and spraying lightly with a spray bottle every other day; make sure to not water-log plants to prevent rotting, too! A good tip for proper moisture balance, if the sides of the pot is cool to the touch, but the top is slightly dry, wait one more day, and then water as needed. 

 4)  Fertilize: Another point to note that yellow leaves can able to be due to chlorosis, a lack of chlorophyll. Simply put, your tree is malnourished, and becomes stresses as a result. Citrus trees need a monthly dose of  18-18-18 fertilizer, and in the spring, when taken outdoors for Summer, remove two inches of soil around your citrus and replace with compost. 

5) Sunshine:  Spoiler alert…citrus trees require a minimum of twelve hours a day of sunlight to thrive, and the filtered light in most homes, like my own, is probably inadequate; unless you have rooms with constant, consistent sources of the perfect light trip, western, northern, and southern exposures, like a terrace or Florida room. So, be sure to leave blinds pulled up, windows opened, and allow your plant as much light expose as possible, during the day. I also hang light strips over my plants to increase light, especially during bought of drizzle, rain, or gloomy days! 

 So, folks those are my tips for growing citrus on a budget, indoors this winter! While this may seem like a ton of work, giving your citrus the upper hand, by way of affordable, budget strategies, and you will not only be able to immolate the perfect outdoor growing conditions, but begin to grow it needs to grow beautiful, thriving indoor citrus trees.

Just remember: When in doubt, add more sunshine, moisture, and nutrients! 

Here’s to gardening on a budget,

Birthday_Cake22

 

 

Happy 2015!

I wanted to end today’s posts by wishing all of my readers a Happy New Year! I am so excited for the year to come! I have been so blessed to share my life with my awesome, honest, hard-working, ethical, uplifting, funny, ever changing, all surprising husband, my beautiful family, and fur babies!

I am also so grateful for all of my amazing readers, who through your presence, comments, social sharing, and support helped uplift me in amazing ways this past year! I am go grateful for you all!

Here’s to biggest and better savings in 2015!

Here’t to you,

Birthday_Cake22