Tag: save money

Cut Prom Costs Without Cutting Fun

March 20, 2017MBEhleAdvice, Saving

Many people fondly remember their high school proms. But while proms make great memories, they also can break the bank.

Prom can be an expensive rite of passage. A 2015 survey from Visa indicated the average American family planned to spend about $900 on the prom, with parents contributing as much as 75 percent of those costs. Similarly, Visa Canada’s survey showed households with teens were prepared to spend an average of $500 on prom in 2015. And spending on the prom isn’t all that’s contributing to the event’s final price tag. There’s the “promposal” to factor in as well. In Canada, many teens spend about $150 just to ask out a potential prom date, and Americans can spend more than double that amount on their promposals.

Tickets, transportation, attire, grooming treatments, meals, and several other factors can add up to make prom very costly. However, those feeling the potential stress of the prom bill can explore various ways to cut those costs.

· Search for deals. Subscribe to mailing lists and download deal-finder apps like the My Franklin Shopper App & don’t forget about searching our online site or picking up a copy of the Franklin Shopper locally! If there’s a particular manufacturer or store that you prefer, subscribe to their mailing list, which might make you eligible for “insider” deals.

· Shop early. Get a jump on prom shopping and possibly save some money by shopping early for prom wardrobes. Girls can shop when party dresses are on discount after New Year’s Eve galas. Waiting until prom season to shop for prom night attire can be a costly mistake, as dresses and formalwear tends to be expensive come prom season. Guys can shop sales as well if they want to make a splash in a custom suit. Otherwise, guys can rent tuxedos to save money.

· Go supermarket floral. Supermarkets and warehouse clubs may offer discounted prices on flowers, which promgoers can fashion into boutonnieres and corsages. Also, nothing says you cannot pull a beautiful bloom out of your home garden as well.

· Be your own paparazzi. Smartphone cameras now have excellent capabilities, and certain apps can apply filters and fix minor flaws easily. Pair with a coupon for discount photo prints, and soon you’ll have a frugal photo memory book or wall portrait.

· Savings in numbers. See if a particular vendor will cut costs if you book services with a group of friends. Retailers will be guaranteed the sales, and promgoers can save some money.

Prom is meant for making memories, not getting into debt. Save money with smart shopping.

Get The Facts on Life Insurance Policies

March 9, 2017MBEhleAdvice, Saving

Few people want to face their own mortality when they are in the prime of their lives. However, thinking ahead and making advanced plans can save family members considerable heartache. Life insurance policies can help men and women make things easier for their spouses, children or siblings. Life insurance provides financial security in the event of a person’s death. Such insurance is a key element of estate planning and something all adults must consider. It’s smart to purchase life insurance at a relatively young age because the cost can be lower. Some people put off the process because it can be overwhelming. But Forbes magazine advises that once a person does a little research and learns the terminology associated with life insurance, choosing a policy is not so difficult.

Determine the amount of insurance you will need.
Make a list of expected expenses after you pass away. These may include any residual mortgage payments, school tuitions, automotive payments, or funeral expenses. In addition, approximate how much your family will need to live comfortably in your absence. Online calculators can help determine life insurance coverage needs. The New York Life Insurance Company says a quick way to figure out how much coverage you may need is to take your annual salary and multiply it by eight.

Decide on the type of policy.
Life insurance policies come in two broad categories: term and whole life. Term life insurance may be less expensive upfront, as it only provides coverage for a set number of years. It will only pay out if the policy holder dies during this “term.” Whole life insurance, also called “cash value,” usually costs more, but accumulates a cash value that can be borrowed against, and it pays out whenever a person passes away.

Choose among reputable companies.
You want to ensure the life insurance company you pick will be around for years and has a strong reputation, so give ample consideration to each company you explore before making a final decision.

Know the waiting period.
Many policies establish a period of time on policies wherein there is very little cash-out value and the company will not pay out the full death benefit. This may be a year or two after opening the policy. Discuss this information with the insurance agent. Life insurance can be a smart financial choice, helping men and women rest easy that their families will want for nothing in the wake of their deaths.

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How to Stretch Family Clothing Budgets

December 18, 2016MBEhleAdvice, Coupons, DIY, Organize, Saving

Becoming a parent is a life-changing experience unlike any other. As new parents soon find out, children are expensive, and moms and dads are often eager to find ways to save money without sacrificing the quality of care their kids receive.

According to the United States Department of Agriculture, the cost of nurturing a child to age 18, when adjusted for cost of living, has increased by $40,000 since 1960. While the cost of raising a child depends on a wide range of factors, including geography, being a parent in the 21st century requires a more significant financial commitment than it did in decades past.

Clothing is a considerable expense for growing families. Children grow out of clothes rather quickly, and parents often find themselves on the hunt for new clothing to accommodate their growing children. Parents can expect to spend in the range of $1,500 to $2,000 per year on children’s clothing, and a 2010 study from researchers at North Dakota State University found that the average American household spends about 3.8 percent of their income on clothing. Cutting clothing costs can be challenging, but it’s not impossible. The following are a few ways to curb spending.

* Shop end of season. Take advantage of end-of-season clothing close-outs to replenish wardrobes. Think ahead to what sizes children will be wearing next year and purchase accordingly. Some stores offer discounts that can be as high as 80 percent off the original price in an effort to clear out last year’s inventory and make room for new arrivals. Use an empty closet or set up storage containers marked with clothing sizes to keep clothing organized. When the kids grow into a new size, you will already have a closet full of new clothes ready to go.

* Consider consignment stores. Shopping at consignment and thrift stores can be a great way to supplement a child’s wardrobe without breaking the bank. Consignment shops and donation centers often have extensive inventories, and many items found in such stores are in excellent condition. It’s not uncommon to find popular brand name merchandise and some designer or couture finds at consignment shops. When shopping at donation stores, shoppers are not only finding affordable clothing, but also are helping to give back to the community through their purchases.

* Organize a clothing swap. Organizing a clothing swap can be a great way to save money and make friends by getting to know other parents. Chances are there are many other parents looking for ways to cut expenses. Children who grow out of clothing can pass down these items to other people. A clothing exchange is a way to socialize, recycle and save money in the process.

* Sign up for customer loyalty programs. In a typical loyalty program, a stores offers discounts to loyal customers. These discounts may include percentages off of everyday purchases or special “private” sale days that aren’t available to the general public. Shoppers also can speak to store employees to find out when retailers traditionally mark down clothing or offer specialized promotions. Establishing a good rapport with store employees can be a great way to learn about upcoming sales before your fellow customers.

Clothing expenses for children continue to rise. But cost-conscious parents can corral their clothing expenses in various ways.

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Recycle Yard Waste Into Valuable Compost

August 30, 2016MBEhleAdvice, DIY, Garden, Gardening, Home Improvement, Lawn, Projects

Composting may be a person’s first foray into an eco-friendly lifestyle. Compost is a nutrient-rich natural fertilizer that some people refer to as “black gold.” It can be made from most types of lawn and garden waste as well as some discarded items from the kitchen.

Many people have renewed interest in composting because they understand the environmental ramifications of over-reliance on chemical fertilizers. Ground water may become contaminated and certain fertilizers may have adverse effects on wildlife. Compost, a living organism of sorts, comprised of beneficial bacteria, insect life and nutrients for plants, is on the other side of the plant food spectrum. Because it can be generated for little to no cost, compost is not only environmentally responsible but economical as well.

A home landscape can provide a wealth of material to use in a compost heap or bin. Rather than putting fallen leaves or lawn clippings to the curb or in the trash, they can be turned into beneficial material to help keep your garden self-sustained.

To begin, you will first need to determine the composting method that will work for you. Compost can be generated from a pile of material placed in an out-of-the-way corner of the yard or be created in a specially designed, expensive compost bin. Many homeowners fall in between these two methods with their compost systems. Most create their own bins from wood and chicken wire or even use a trash container to contain the compost.

Once the container or pile location is established, it is time to start the compost recipe. In order to function optimally, compost should have an abundance of aerobic bacteria, which will compost the waste quickly. Aerobic bacteria need oxygen and a certain amount of moisture to survive. Therefore, it is important to include materials in the compost that will achieve these conditions. Composters frequently refer to “greens” and “browns” in a compost mix. Greens are fresh leaves and grass clippings and kitchen scraps. These materials will have an abundance of moisture as well as nitrogen. Browns are older, dried out plant material and wood. The browns help create air cushions in the compost that facilitate aeration and also contain carbon. Without aeration, the compost will compact down too quickly, which could slow down the decomposition process. This may result in a foul odor.

Avoid the use of bones, meat or cheese in a compost bin. This will only attract scavengers and may rot faster than it can be decomposed by the bacteria. Also, avoid pet waste or any lawn trimmings that have been treated with pesticides.

Turning the compost will help keep it aerated and will also distribute the bacteria. This can help speed along the composting process. Avoid adding weeds to juvenile compost because it may not be hot enough to kill the seeds and then you’ll be stuck with weeds in the compost — and wherever you place that compost.

Moisture is essential to the compost. Each time you add new material to the compost bin, dampen it. It should be moist but not dripping. Adding a balance between greens and browns should help regulate the moisture level as well. Remember, during warmer months, the compost may dry out more, so you will need to be on top of the moisture levels.

The composting process works best at temperatures between 120 and 150 F. The compost will generate its own heat as matter is broken down. However, the heat of warm months can speed up the process. Novice composters may want to begin their composting in the summer as a first attempt.

Hot composting piles can be turned into soil fertilizer in as little as 8 to 10 weeks. Therefore, plan your composting start date accordingly. Soon after you may have a naturally sustainable garden that produces material enough to continually feed your existing compost pile.

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How to Spur Kids’ Interest in the Arts

August 25, 2016MBEhleDIY, Projects

Art can enrich the lives of people young and old, male and female. The arts can introduce adults and children to different cultures and traditions, while also helping them to develop more fully as human beings.

While some may feel the benefits of the arts cannot be measured, the nonprofit organization Americans for the Arts notes that kids who are involved in the arts are four times more likely to be recognized for academic achievement than kids who are not involved in the arts. And though mathematics and science may not be the first thing people associate with the arts, kids involved in the arts are four times more likely to participate in math and science fairs than kids who are not involved in the arts.

Parents can do a lot to make art a bigger part of their kids’ lives. The following are some simple ways parents can bring more art into their kids’ lives, courtesy of Americans for the Arts.

· Join in the fun. Parents can make art more fun for kids by playing music around the house and singing and dancing alongside their youngsters. In addition, read a book to or with your children and join in when they pursue other artistic endeavors, such as drawing or painting.

· Find local events. Many school districts have slashed their arts budgets in recent years, but parents can still find local arts events for kids in their communities. Peruse the local newspaper and other community-based periodicals for cultural events for kids. Support local theater groups by attending performances with your children and explaining to them that the performers live in the community just like they do.

· Pitch in with local arts organizations. Local arts organizations typically rely on donations and volunteers to support their programs. Parents who want to instill a love of the arts in their children can help local organizations’ fundraising efforts and even volunteer their time if the opportunity presents itself. If possible, take kids along when volunteering so they can get some firsthand experience with the arts.

· Encourage kids’ artistic pursuits. Some kids may decide to pursue artistic endeavors on their own, and parents can encourage such pursuits. Celebrate kids’ participation in arts-based activities in school and in the community, recognizing their hard work in the same way you would acknowledge their successes in the classroom and in sports.

The arts can benefit youngsters in various ways, but it’s often up to parents to instill a love of the arts in their children.

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Home Improvement Projects for Your Fall To-Do List

August 21, 2016MBEhleDIY, Home Improvement, Projects, Seasonal

Homeowners know that maintaining a home can be a year-round job. No home is immune to wear and tear, and homeowners who want to protect their real estate investments should try to stay two steps ahead to ensure their homes do not succumb to the elements or become outdated and unappealing to prospective buyers.

Fall has become a season that’s synonymous with home improvement, but homeowners need not wait until the leaves begin changing colors to start planning their next projects. The following are a few items homeowners can add to their fall home improvement to-do lists.

Roof inspection

Less precipitation tends to fall during the warmer months than during the late fall and winter. As a result, homeowners may not be aware of leaky roofs until autumn has come and gone. But waiting until winter to inspect the roof can prove disastrous, as weather conditions will not be conducive to inspection and increased precipitation may result in potentially costly damage. Leaky roofs can be easily identified by looking for water stains on interior ceilings. Once you see a stain, you can climb onto the roof to identify the location of the leak and fix it before winter rains and snowfall turn the problem into something much larger. Inspect your ceilings for signs of leaking after a strong rainfall, and then address any leaks immediately.

Gutter cleaning

While some homeowners prefer to delay their gutter cleaning projects until late fall, those whose homes are surrounded by trees may need to schedule two such projects. Gutters clogged with leaves and other debris can cause serious roof damage, and that damage can extend all the way inside a home. In addition, clogged gutters make great nesting areas for insects or critters. Always stand on a ladder when cleaning gutters, wearing gloves to remove items by hand and dropping leaves and debris into a trash can below. Standing on the roof and leaning over gutters greatly increases your risk of injury. If the gutters are clear when you first examine them in early fall, you can wait until later in the season to give them a complete and thorough cleaning. Once you have finished clearing the gutters, you can use a hose to run water through them and the downspouts to confirm everything is functioning properly.

Window and doorway inspection

Before temperatures start dropping once again, homeowners will want to inspect their windows and doorways for leaks. Over time, cracks can develop around windows and doorways, and while such cracks are rarely noticeable when the weather outside is warm, they can be quite obvious and very costly if they remain unsealed come the start of winter. Cold air can enter a home through cracks around windows and doorways, and many homeowners who don’t suspect leaks may respond by turning up the thermostats in their homes. That can prove quite expensive over a full winter. Choose a windy autumn day to place a hand by windows and external doorways in your home to see if you can feel drafts. If you can, seal these cracks as soon as possible.

Patio cleanup

Patios are popular hangouts during spring and summer, and that can result in a lot of wear and tear. Once you store patio furniture for the winter, inspect your entire patio to determine if it needs any refurbishing. While certain patio projects may be best left for spring, you can still clean any stained areas around the grill and look for cracks in the sidewalk that need to be addressed.

Preparing for fall home improvement projects ahead of time can help homeowners complete projects in a timely manner and ensures they won’t be forced to brave the winter elements when refurbishing their homes.

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How to Save on School Supplies

August 18, 2016MBEhleAdvice, Coupons, Saving, School

Back to school season can be as expensive for parents as it is exciting for students. Once the initial letdown of the end of summer vacation wears off, many kids are excited to return to school, where they can see their friends, study their favorite subjects and participate in extracurricular activities.

Parents of school-aged youngsters may share in that excitement while also knowing that back to school season can stretch their budgets. One of the ways to salvage those budgets is to save on school supplies. Fortunately, there are several ways parents can do just that.

· Be patient. Shopping early can save shoppers money in many instances, but parents may benefit by exercising patience when it comes to buying school supplies for their children. Teachers often give students lists of supplies they will need for each class, and parents who wait to receive such lists can avoid spending money on items their kids won’t need. Even if you wait it out, you may be able to get a head start, as some teachers may post supply lists on school websites, while others might email lists to parents before back to school season hits full swing.

· Take inventory. If you have more than one child, chances are you already have lots of school supplies around the house. Dust off kids’ backpacks and study areas from last school year to determine which supplies you need to buy and which you already have. Going forward, encourage kids to store their supplies in a predetermined area once the school year ends, as this will make next year’s inventory that much easier to examine and assess.

· Spend more now to save later. While inexpensive supplies can be hard to resist, such items likely won’t withstand the test of time, forcing you to spend time and money each year buying replacement supplies. Paying more now for certain items, including stronger backpacks and more highly rated calculators, may end up saving you money in the long run, even if the initial pill is somewhat tough to swallow.

· Use technology to your advantage. Department stores and businesses that sell school supplies, such as pharmacies and office stores, may or may not discount too many items once back to school season hits full swing. But savvy parents can still find deals by using technology to their advantage when shopping for school supplies. Download apps like RetailMeNot to your smartphone and enable its updates so your phone essentially notifies you of any discounts the moment you walk into a given store. If you don’t receive any updates, search for discounts via the app or the Internet as you shop. Chances are strong that there are deals to be had, even if you don’t learn of the deals until you arrive at the store.

School supplies can be expensive, but parents can employ several strategies to save on school supplies now and in the future.

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Planning for a Fun, Successful Celebration

August 14, 2016MBEhleAdvice, DIY, Organize, Projects

Celebrations are a large part of people’s lives. Many people commemorate key moments – from birthdays to anniversaries to graduations – with parties. While celebrations may seem like a fine idea, there’s no denying that throwing a party where everyone has fun requires a lot of work.

When planning a party, hosts must consider a number of factors, including their budgets. While guests are a key ingredient to fun, successful parties, hosts can take the following steps to further increase their chances of throwing a bash to remember.

· Start planning early. A party-planning checklist can help hosts stay organized and ensure that even the smallest detail isn’t forgotten. Writing ideas down on paper and having a tangible checklist can make it much easier to organize a party.

· Pick a theme for cohesion. Party themes need not include something over the top, such as costumes. The right theme can be as simple as choosing a color scheme or uniting element that connects all of the components of the party. Once you have a theme in mind, you can start compiling all of the details and supplies, which can make shopping easier and more efficient.

· Create a festive atmosphere. Think about the ways you can enliven the atmosphere to make it more inviting for guests. Appeal to guests’ senses by employing lighting, sound and scents. One easy way to set the tone for the party is to have a well-thought-out playlist that’s timed to coordinate with the elements of your party. Keep music low at the start of the party and during the meal to facilitate conversation. As the party progresses, increase the volume of the music and select music with an upbeat tempo.

· Create a guest book. Give guests the opportunity to share their sentiments no matter the event. Place a guest book where guests can easily see it, and encourage them to jot down a few words for the guest(s) of honor. This can serve as a nice memento in the years to come.

· Offer a self-serve bar. A self-serve bar cuts down on the work hosts must do. Be sure to keep an eye on guests’ alcohol consumption, and have a plan in place to help guests who might overindulge. Keep the contact information for local taxi companies handy just in case a guest needs a ride home.

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Natural Ways to Reduce Lyme Disease Risk

August 11, 2016MBEhleAdvice, Healthy, Seasonal, Spring, Summer

The great outdoors can be a wonder to behold. Parks, nature preserves or even some time spent in the backyard can help men, women and children reconnect with nature.

While there is plenty to enjoy about the great outdoors, certain hazards are lurking. Ticks can be both a nuisance and a danger, potentially contributing to illnesses like Lyme disease. Recognizing the dangers of ticks and how to avoid tick bites can help people reduce their risk for contracting Lyme disease.

The U.S. Centers for Disease Control and Prevention note that, after hatching from eggs, ticks must eat blood at every stage to survive. It can take up to three years for a tick to complete its full life cycle, meaning it needs quite a few hosts to feed on.

Ticks are part of the arachnid family, but unlike spiders, ticks attach to the skin of an animal and suck its blood. Ticks can be found just about anywhere, but they tend to gravitate toward wooded areas or tall grasses, which offer them protection and good vantage points to find an animal host. Dog owners have no doubt encountered ticks in their lifetimes, as ticks are routine problems for dogs that are not properly protected. But ticks also prey on humans.

Ticks are and their bites are relatively painless, which can make it difficult for people to detect when they have been bitten. Many tick bites are harmless and do not require treatment. However, if bitten by a tick that is carrying Lyme disease or Rocky Mountain spotted fever, people may need to take an antibiotic to prevent any lasting health effects. As a result, people should always visit a doctor when bitten by a tick.

Pesticide repellants are some of the more effective and well-known methods to prevent tick bites and subsequent side effects. Many repellants can be used without negative side effects, but those who prefer to go a more natural route can take the following precautionary measures.

· Watch habitats. Steer clear of grassy, wooded and brushy areas. Ticks also prefer humid conditions.

· Stick to trails. Stay on trails when hiking or walking to avoid brushing up against areas where ticks may be hiding out.

· Wear proper clothing. Light-colored clothing makes it easier to spot ticks that may have made their way onto a person. Tuck pants into socks, as ticks tend to climb onto hosts from the ground up. Bare ankles provide easy access.

· Protect hair and heads. Wear a hat and/or keep long hair contained so that it isn’t an attractive hiding spot for ticks.

· Shower immediately. After coming in from areas known for ticks, shower and launder clothing immediately. While showering, do a spot inspection looking for ticks on your body. Remember to look in hidden areas like under the arms, in and around the ears, inside the belly button, on the back of the knees, in and around the hair, between the legs, and around the waist.

· Clean up the yard. Make your yard less habitable to ticks by mowing the grass regularly and removing leaf litter and trim shrubs. Also, use wood chips or gravel to serve as a barrier between lawns and wooded areas of the property.

· Use natural oils. Ticks may not like the smell of garlic, lemon, eucalyptus, lavender, and rosemary, among others. Dotting your body with these infused oils may make you less attractive to ticks.

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Tips for Grilling the Perfect Burger

August 7, 2016MBEhleAdvice, Cookout, Food, Recipes

Hamburgers are a staple at backyard barbecues. Though burgers are a relatively simple food, mastering the technique to grill burgers is no small feat, as there is more to great grilled burgers than simply firing up the grill and dropping down a patty.

· Choose fresh ground beef that has a decent percentage of fat. The fat-to-lean meat ratio should be around 20 percent fat to 80 percent meat. Spend a little more to get freshly ground meat that has not been previously frozen.

· Don’t overwork the burgers with a lot of handling. This will warm up the fat in the burger, which causes it to emulsify and could make the meat rubbery.

· Reconsider adding a lot of herbs, spices or add-ins to the burgers, as such items can detract from the flavor of the meat. Extra herbs and spices also may require extra mixing, which can lead overhandling.

· Push a dimple into the top of the burger, which will help prevent the burger from expanding upward and out while cooking and rounding out in the process. The dimple will keep the top of the burger flat, which facilitates easy topping.

· Make sure the grill is hot. Burgers do well with high heat and will cook relatively quickly.

· Resist the urge to push down on the patty with your spatula. This will cause the juices to spill out and may result in a dry, tough burger.

· Let burgers rest before serving. This lets the juices redistribute throughout and makes for a moist and tasty first bite.

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Becoming a parent is a life-changing experience unlike any other. As new parents soon find out, children are expensive, and moms and dads are often eager to find ways to save money without sacrificing the quality of care their kids receive.

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