How to Help You Save in the New Year

Hello 2022!! I do hope this year is kind to everyone.

What better way to start off the new year than trying to save yourself money? Below is a list of great tips to get you going.

Establish a budget

Set savings goals

Try the 52 week money challenge

(link will be in the bottom

of this post)

Save part of your paycheck; use the 50/20/30 budget.

50% of your check goes to essentials, 20% of your check

goes to savings and the 30% goes to personal needs.

Put your bills on autopay

Match your spending with saving; this is a great tip for

when you buy non essential items for example that

Starbucks latte. Whatever you spend on that non essential item,

put the same amount into your savings.

Choose your credit card wisely

Try different apps to help save you money

Upgrade your bank account; if you aren't getting much

interest from your savings, consider transferring the

balance to a high yield savings account.

Stick to your bank's ATM

Look for multi-policy insurance discounts

Buy household items in bulk

Prep and cook meals at home

Grow your own food

Stay inside instead of going out

Buy generic brand items

Always, always compare prices

Take advantage of shopping apps

Sell items you don't want or use

Evaluate subscriptions and memberships

Create your own home gym

Switch your light bulbs out and use LED

Unplug appliances that aren't in use

Shop around for gas on gas buddy

Change your car's air filter

Enjoy free activities vs paying for going out of the house.

52 Week Challenge Link

Comments

DIY Candy Corn Sugar Scrub

Okay, okay last day of fall sugar scrubs for now. This recipe makes about 1 1/2c What you need: 1 1/2c sugar 1/2c coconut oil 1tsp vanilla extract 4 drops vitamin e oil orange food gel yellow food gel small mason jars Create: Add the sugar, vanilla, vitamin e and coconut oil in a bowl and mix with a mixer. Divide the mixture evenly into 3 small bowls. Set aside one bowl (this will be for the white section of the candy corn). To the second bowl, add a third of the sugar and a small amount of orange food gel with a toothpick. Add more color if needed. Set aside. Add a small add a third of the sugar amount of yellow food gel to the third bowl and stir well, add more color if needed. Set aside. The other bowl should have your white sugar in it. Grab your mason jar and place the yellow mixture first, then the orange and then the white.

FREE Kindle Books

You do not need to have a Kindle to get Kindle Books. You can download the Kindle Book app to your phone or tablet. Generally I search free kindle books. You can get anything from box sets, recipe books, kids books and more. The books listed are not always free so make sure if you see one you download it right away. Below are some Kindle Books that are currently free: Forever and Ever Boxed Set Books 1-3 Free Comic Book Day 2018: Avengers/Captain America #1 The Bend in Redwood Road Book 1 The Girls Across the Bay (The Knox and Sheppard Mysteries Book 1) Finding Home The Perfect Wife (A Jessie Hunt Psychological Suspense Thriller, Book 1) King of Shadows, Book 1 of 2 The Watchmaker's Daughter (Glass and Steele Book 1) The Runaway Train There are plenty of more books that are free; go to Amazon and check them out!

Apple Ginger Fizz for Fall

The kids deserve a special drink for the fall besides apple cider. This is a great fall mocktail with a beautiful flavor combination. Not just for the kiddos. This makes 1 drink What you'll need: 3 oz still apple cider 1 oz freshly squeezed lime juice 6 mint leaves 1 teaspoon apple cider vinegar Pinch powdered cinnamon 3 oz ginger ale Create: Place apple cider, lime juice, cinnamon, apple cider vinegar and a few ice cubes into a cocktail shaker. If you don't have a shaker, anything with a tight lid will work, such as a mason jar or drink bottle. Clap the mint together in your hands to release the scent, and add to the shaker. Shake for about 20-30 seconds until ingredients are combined. Pour into an ice filled glass and top with ginger ale. Stir gently, garnish with mint, dried citrus or a cinnamon stick, and serve.

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