How To Pay For Your Next Home Renovation

The US is a nation of home renovators.Around 70% of Americanssay that they enjoy completing DIY home improvement projects, and it isn’t hard to see why. A good home renovation can give you some much needed space, or it can modernize your home and make it more practical. If you’re lucky, your improvements could evenadd thousands of dollarsto the value of your home.

But how can you pay for your next home renovation? After all, the cost of a renovation can be pretty expensive; in 2015 the overall cost of US home improvements amounted toover 300 billion dollars. This is a staggering amount of money – but thankfully there are lots of ways to finance your next project.

Whether you’rethinking about making roof repairsor splashing out on a modern new kitchen, here are three ways to pay for your next home renovation.

A Reverse Mortgage

A reverse mortgage, which is also referred to asa home equity conversion mortgage, is perhaps the best financing option for homeowners who are 62 or over. The mortgage uses accumulated home equity to provide funds to the homeowner, giving them the chance to make a range of home improvements, including moreexpensive improvements such as a kitchen remodel. One of the best things about this mortgage is that there are no monthly payments to make; instead the borrower is responsible for paying insurance and taxes on the property, which means it is more affordable than other mortgage options.

Credit Cards

Another popular way to pay for home renovations is using a credit card. There are lots of credit cards that come with low interest rates, so you could use one of these cards to pay for a small renovation – just make sure to avoid cards with high interest rates, as this could take much longer to pay off.

Cash

Cash is the best way to cover the costs of home improvements as you won’t have to make any future payments. This means that it is less of a financial burden than the other options, but sadly most Americans don’t already have the cash for home improvements. However, (if you are patient) you could always put the home improvements on hold and spend a few months saving up!

There are lots of ways for you to finance your new home renovation. Just makes sure to weigh up your options so that you work out which is the most financially viable option for you.

Instant Savings on Huggies® at Sam’s Club + Baby Changing Supplies Organizer

Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #MoreHuggiesMoreSavings #CollectiveBias

As many of you know, my Simply Sweet Home will be even sweeter about a month from now, as we welcome our newest member, Baby Thaxton!  I am currently 35 weeks pregnant. As you can imagine, I am in the middle of final baby preparations: cleaning house, packing hospital bags, purchasing last minute supplies, and getting everything organized.  Phew!  One thing I don’t have to worry about right away is diapers and wipes.  Thanks to Sam’s Club, we have stocked up on plenty of those for a while!

Sam’s Club is THE place to stock up on must-have supplies for your family or small business.  In the past, I’ve saved a lot of money on health and beauty supplies, pet items, office supplies, and cleaning products.  Now that I’m pregnant, I get to take a peek at the must-have items for baby!  Sam’s Club has everything from baby toys and clothes, to essentials like diapers, wipes, and formula!  Today I’m going to talk about why Sam’s Club is a great place to shop for baby essentials. I also have information on an instant savings deal with Huggies® at Sam’s Club and a tutorial to help you organize your baby changing supplies! [Read more…]

Saving Money with a DIY Oil Change + 5 Things You Should Buy Online

Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #DotComDIY #CollectiveBias

Do you shop online?  Surveys and studies show that more and more people are turning to the world wide web to purchase gifts and a whole host of personal items.  My husband and I are definitely two of these people.  Don’t get me wrong; I enjoy walking down the aisles of Walmart and check out the latest things they have to offer, from seasonal decor and clothing to beauty supplies.  But I also love the convenience of online shopping, and I love the time and money that it saves me!  Today we are going to talk about how buying your Pennzoil oil online for a DIY oil can help you save money, plus I will share 5 things you should be buying online if you want to save money. [Read more…]

Make Summer Better with Walmart Family Mobile

Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser, Walmart Family Mobile. All opinions are mine alone. #SummerIsForSavings #CollectiveBias #WFM3

Walmart Family Mobile Phone

This week our teenage son is going back to school for the start of his senior year.  The summertime brought a break from the usual drive to school and other academic activities, but since this was Noah’s very first summer as a licensed driver, the coming and going was far from nonexistent.  As the parent of a teenager, it is very challenging to keep your kids at home during the summer.  They always want to go out with friends and drive anywhere and everywhere.  Luckily we get our cell phone service through Walmart Family Mobile.  It allows our whole family, including our teenage son, to have an affordable cell phone, and it helps us to save money so that we can afford gas money for our son and money for other summer activities.  Today I will be discussing the plan we have with Walmart Family Mobile, and I have a few ideas for how you can give your teenager a better summer without breaking the bank. [Read more…]

Beef Stew and Easy Shopping with Walmart Grocery Pickup

Walmart Shopping Cart

As a homemaker, my work is never done, and anytime I can come up with ways to simplify every day tasks and save myself some time and money, I am thrilled!  One task that I’m not really a fan of is doing the grocery shopping.  I hate braving the crowds at the store, perusing the many shelves to find exactly what I’m looking for, and I definitely hate standing in line at the checkout register.  If you feel the same way I do about grocery shopping, then you should check out Walmart’s new grocery service.

Through Walmart’s pickup service, you can do all of your shopping from the comforts of your own home.  You just go online, find a Walmart location near you that offers the pickup service, and then start picking out everything you need right from their website.  Once they receive your order, a Walmart employee will find everything you need and fill your order.  All you have to do is go  and pick it up!  What could be easier? [Read more…]

Beauty Hacks That Will Save You Money

When it comes to beauty, everyone woman wants to look and feel pretty. A woman can spend a lot of money in buying cosmetics and in other procedures such plastic surgeries just to make sure that they are beautiful and glamorous. Looking gorgeous and sexy is every woman’s dream that they wish to have every minute of their lives. Well, beauty does not come for free; you have to spend a lot of money so as to be able to buy the best makeup. For some, it may be difficult to afford the designer cosmetics, and therefore the good news is there are some hacks you can adopt and leave you looking beautiful and save you some cash as well. Let’s look at the beauty hacks that you can use and still save you money.

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Photo Credit

Add volume to your lashes. Do you want to have your lashes increased in volume and look fuller? Well, you can achieve this by using translucent powder on your lashes after applying your mascara. You do not need to buy the most expensive mascara to make this all you have to do is use the powder, and your lashes will appear fuller with more volume as well.

Fixing your broken powder. Sometimes you may drop your powder, and it ends up breaking. Well, do not worry as you do not need to buy another one. You can always fix it by just adding four spoons of rubbing alcohol to the broken powder. After adding the rubbing alcohol, give it a stir and leave it overnight. By morning the powder will have settled as it was when you bought it

Makeup removal. Did you know that you do not need to buy makeup remover for removing your makeup? There are natural products such as the coconut oil you can use to remove your makeup. This is a cheap remedy and will help you remove the makeup. Start off by rubbing the oil on your face. This contributes to loosening the powder. Then use a cleanser to remove the remaining oils.

Buy makeup when on offer. Sometimes you may find companies offer huge discounts on their cosmetics for a period of time. Also, many online sites offer promo codes such as The White Company. Therefore, look for these kinds of sites to earn great discounts.

Drying your nail polish. If you are in a hurry and your nail polish is still fresh, dip the fingers in ice water for a few minutes, and this will help your nails to dry pretty quickly.

Exfoliating your lips. Are your lips cracked? Well, there is an easy way to fix this whereby you gently brush your lips with a soft toothbrush. This will help to remove the dehydrated skin and hence leave you with soft lips.

Treating puffy eyes. If you realize that your eyes look puffy, well you do not need to go to the hospital. You can treat this at home by freezing a spoon overnight and then place it either underneath or over your eyelid in the morning. This works magically in reducing inflammation. If you’re not in a DIY mood, there are also plenty of skincare products, such as StriVectin, that offer eye serums, creams, and gels.

Making dry shampoo. You don’t need to buy a dry shampoo as you can always make yours at home by just adding two ingredients. The ingredients required are corn flour and the essential oils. Mix the two ingredients to get your dry shampoo.

Saving Money with Dryel

Disclosure: I am a Dryel Brand ambassador and have received free products and compensation for this post. The opinions are my own.

dryel-starter-kit

With the holiday season upon us,  we could all use a few money saving and time saving tips!  Using Dryel at home for your dry cleaning needs is one way to save money and get your clothes cleaned with convenience!  (And you’ll have more money to spend on Christmas gifts for the family and yourself!) [Read more…]

How to Order Flowers for an Affordable Price

flower basket

Flowers make a beautiful and striking gift for someone you care about; they also make a vibrant addition to your home if you want to treat yourself. There is a huge variety of flowers to choose from, including roses, sunflowers lilies, orchids and daisies. Each flower evokes its own thoughts and emotions; roses bring thoughts of romance and passion, white lilies have a purity about them and orchids have a really stylish vibe.

If you want to buy flowers as a gift, or for someone else, the best thing to do is check out a reputable florist such as Flowers for Everyone. They have a wide variety of bouquets to choose from, to suit most budgets. You can get a beautiful bouquet for around AU$45-50 if you choose to. On the other hand you can choose to purchase a more expensive bouquet for upwards of AU$100. We are going to take a look at ways in which you can keep the cost of buying a bouquet at an affordable level.

Buy flowers that are in season

Most reputable florists have access to any flower that you want to order; this does not mean that the access is easy. If you order flowers that are not in season then they will have to be imported from another country; these import costs add to the price of the flowers.

For this reason it makes sense to choose flowers that are in season if you want to try and keep the purchase price down. There are certain flowers that are grown throughout the year, like roses, certain types of lily, carnation, chrysanthemum and gladiolus. You may want to consider these flowers as part of the bouquet you are ordering.

Buy outside of busy periods

If you can buy flowers outside of busy periods then it’s a good idea to do so; for instance if you are buying a bouquet to simply say thank you then you may not want to make the purchase on or around Mother’s Day when flower prices can increase. Some people do not even buy Mother’s Day bouquets for the day itself, but order the delivery to be made a couple of weeks early instead. It is sometimes possible to save money this way. Of course, the bouquet may not have the same impact as it would if it was delivered on the actual day.

Check for special offers

Flowers are no different to any other item you can purchase online, in that you will sometimes find great offers available at online florists. These offers may either come at a really fortuitous time, when you were intending to buy flowers anyway, or they may actually tempt you to buy some flowers online. Either way you make a saving on your purchase.

Buying a bouquet of flowers does not have to be a hugely expensive task. There are plenty of ways in which you can obtain a bouquet at a very affordable price.

Blogging with Walmart Family Mobile + Data and a Movie

This shop has been compensated by Collective Bias, Inc. and Walmart Family Mobile. All opinions are mine alone. #DataAndAMovie #CollectiveBias
Blogging with Walmart Family Mobile

Cell phones are an important and necessary part of our everyday life.  In our household they are a must-have for communicating with my husband and son when they are away from home.   It’s also important for us to be able to text and get important messages from our son’s school about early dismissal and other news.  And of course, the family needs a good data plan for email, social media, gaming and more!

Dove Curls Emoji 01

With plans starting at low as $29.99 per line, Walmart Family Mobile makes it easy and affordable for my family to get everything we want out of our cell phones!  Their newest plan is the Walmart Family Mobile PLUS plan featuring Unlimited Talk, Text, & Data.  It includes up to 10GB of 4G LTE data PLUS a free movie on VUDU (a $7 value) every month per line for $49.88. [Read more…]

Save Green By Going Green

Are you making any home improvements this year? I have a number of projects tentatively planned, such as updates in our bathroom and kitchen.

We also have some plans to go green in certain areas. We’ve already swapped some of our light fixtures to LEDs, and I’m hoping to update a few key appliances to energy-saving units.

The infographic below details how you can Save Green by Going Green.  You’ll find 4 key things, and you’ll find out how and why these things are good for the environment and your pocket-book!

Cost-Effective-Green-Efforts-For-Your-Home
This infographic comes to you from Avant.com.