Your Personal Finance Pro http://yourpfpro.com Personal Finance for Young Professionals Thu, 15 Nov 2018 15:03:25 +0000 en-US hourly 1 31591919 Why You Shouldn’t Shop on Black Friday and Cyber Monday http://yourpfpro.com/why-you-shouldnt-shop-on-black-friday-and-cyber-monday/ http://yourpfpro.com/why-you-shouldnt-shop-on-black-friday-and-cyber-monday/#respond Mon, 12 Nov 2018 12:00:59 +0000 http://yourpfpro.com/?p=8329 With Thanksgiving just a little over a week away, and Christmas around the corner, I’ve been preparing ahead. Truth be told, since Thanksgiving doesn’t involve gifts, I’ve been focusing more on Christmas. Over the past few weeks I’ve purchased and wrapped about half of my gifts. I should have the rest either bought or made […]

The post Why You Shouldn’t Shop on Black Friday and Cyber Monday appeared first on Your Personal Finance Pro.

]]>
Avoiding overspending for the holidays isn't easy. But it's just one of the reasons you shouldn't shop on Black Friday or Cyber Monday.With Thanksgiving just a little over a week away, and Christmas around the corner, I’ve been preparing ahead. Truth be told, since Thanksgiving doesn’t involve gifts, I’ve been focusing more on Christmas.

Over the past few weeks I’ve purchased and wrapped about half of my gifts. I should have the rest either bought or made – and wrapped – within the next week or so.

Why am I working so far ahead? My hope is that it will reduce the stress I normally feel and let me enjoy the holidays more (usually I have the gifts purchased well ahead of time, but I put off wrapping until Christmas Eve night and then stay up late to get it done!).

Another benefit to planning ahead for the holidays is that I don’t have to buy at peak times. Instead of shopping on the day after Thanksgiving, I can spend time with family and friends.

I feel that being with loved ones is important when the holidays begin. But there are additional reasons I don’t shop on Black Friday and Cyber Monday and neither should you. Here are a few for you to consider.

It Cuts into the Thanksgiving Holiday

As I already mentioned, when you shop on Black Friday and Cyber Monday it cuts into your Thanksgiving holiday. You might think it will be a quick trip to the mall, Walmart, or Target. However, in my experience, those quick trips are generally anything but quick.

Obviously you might be doing your shopping online rather than in person, as more and more people do these days. No matter how you shop, online or in person, you’re still cutting into time you could spend in other ways.

If your time with friends and family is short, spend it with them. Play games, watch movies, talk, and simply enjoy each other’s company. Down the road you won’t remember what you bought or how much you saved. But, even years later, you’ll remember the good times you shared with others.

You’ll Get More Done

Here’s an additional hint about why I don’t shop on Black Friday or Cyber Monday. While other shoppers bustle about fighting the cold and crowds, I’ll already be done.

I’ll get more sleep since I won’t be online or freezing in a line somewhere at 4 a.m. In turn, that will make me energized and ready to take on other tasks.

The time I save will let me do cleaning, cooking, and decorating. As Christmas draws closer, I’ll be more prepared and less stressed. Those are some of the reasons I don’t shop on Black Friday and Cyber Monday and you shouldn’t either.

Impulse Buying is More Likely

Shopping on Black Friday and Cyber Monday leaves you more susceptible to impulse buying. You may not have had time to comparison shop and will be more likely to buy something while you’re there.

After all, you want the time spent shopping to be worth it, right? Besides, who can resist when all the signs say, “Sale, sale, sale”?

Wrong. I’ve found that I actually spend more when shopping on Black Friday or Cyber Monday. Afterward, I nearly always see at least one item I bought listed for less money in a flyer or online. That irritates me because I spent more than I should have.

Before shopping on these days when retailers are out to get your money, do your homework. Go online and compare prices ahead of time. Look through sales flyers and watch for ways to save. That way you aren’t tempted to buy the first thing you see that has been “marked down”.

You Might Fall for Retail Tricks

Let’s face it: retailers are not really trying to save you money. Black Friday and Cyber Monday were created to part you of your money and put it in their pockets instead. They will suck you in with sneaky sales tricks you may not even be aware of.

One such ways is by emphasizing that there are limited quantities of high demand items. Then they’ll offer a ridiculously low price on it if you’re first in line to buy it at 6 a.m.

Unfortunately, it’s a trap. Retailers just want to get you in the door – or looking online. They know that while you’re there you’ll most likely buy additional items and overpay for them.

The Bottom Line

Of course, there are lots of other reasons you shouldn’t shop on Black Friday or Cyber Monday. Some include avoiding pushy sales people, not fighting crowds, and avoiding FOMO, which is the fear of missing out.

So, take it from someone who’s seen several decades of Black Friday’s and Cyber Monday’s come and go. Buy early, comparison shop, and save before the holiday’s hit.

Make a list, cap your spending, watch for sales, and use coupon codes. Look for discounted gift cards to either buy as gifts or use to get items for less money. DIY what you can and wrap cheaply or creatively.

Do everything possible to avoid shopping on Black Friday and Cyber Monday. You won’t regret it and neither will your budget.

Do you traditionally shop on Black Friday or Cyber Monday? Why or why not?

The post Why You Shouldn’t Shop on Black Friday and Cyber Monday appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/why-you-shouldnt-shop-on-black-friday-and-cyber-monday/feed/ 0 8329
5 Ways to Make Money Decluttering http://yourpfpro.com/5-ways-to-make-money-decluttering/ http://yourpfpro.com/5-ways-to-make-money-decluttering/#comments Mon, 05 Nov 2018 12:00:32 +0000 http://yourpfpro.com/?p=8325 Having a tight budget makes it difficult to pay for any extras that come up. Of course, those extras can come in many forms. They could be unexpected expenses, such as car repairs or appliance issues (I recently had the ice maker in my refrigerator repaired). Or, they could be bills you knew were coming, […]

The post 5 Ways to Make Money Decluttering appeared first on Your Personal Finance Pro.

]]>
A tight budget makes it hard to pay for extras, but you still have to cover them. Make money decluttering your home to pay extra bills when they happen.Having a tight budget makes it difficult to pay for any extras that come up. Of course, those extras can come in many forms.

They could be unexpected expenses, such as car repairs or appliance issues (I recently had the ice maker in my refrigerator repaired). Or, they could be bills you knew were coming, such as higher electricity costs from the onset of cold weather.

No matter what causes budget increases, you have to find a way to cover them. That means either making cuts in other areas of your budget, or finding ways to make more money.

I recently found an approach to help my finances not everyone would think of. I’m decluttering so I can get rid of things I don’t use while paying for extras in my budget. During the process I’ve found that there is more than one way to make money by decluttering your home.

1. Sell Unwanted Items

About six weeks ago, when the cool whether hit my hometown, I began thinking about fall home improvement and decorating.  Digging through my autumn decorations led to the discovery that there were items I needed to part with.

Once I finished setting up my display of pumpkins, leaves, and other fun items I began thinking ahead toward Christmas. Naturally, I’ve begun to go through those items as well.

The result of my efforts is a collection of things gathered in an unused bedroom in our basement. I plan on posting them later today on our local buy/sell/trade Facebook page to make money quickly. If they sell, I’ll make money decluttering to use for the Christmas gifts I have yet to buy.

2. Make Crafts

While decorating my home for fall, I remembered an item I’d bought but hadn’t yet come across. It wasn’t in my fall décor storage box, so I started hunting for it. Searching around the house, I discovered I’d put it aside in my crafting room.

But, when I looked in that room, I found other things I’d purchased and set aside. I’d intended to use them to make additional fall decorations. So, I gathered them, along with anything else I needed, rolled up my sleeves, and got to work. Now, new items grace the buffet in my living/dining room as well as a table at my mother’s home.

If I had wanted to, I probably could have quickly sold my crafts either locally or online at a profit. It would have been another way to make money decluttering.

3. Trade with Others

Bartering and trading are practices that have been used for hundreds, if not thousands, of years. They help people get rid of their own excess while gaining things they need but don’t have.

Trading with other people is also a way to make money through decluttering. If you have something another person wants bad enough, you might be able to trade up in value.

The new thing you trade for could then be sold or traded again to increase your value farther. Do this enough times and, once you sell the final item, you could make a bundle. If you think it can’t be done, consider the man who traded a paper clip for a house.

4. Rent Your Stuff

Sometimes when you’re cleaning out, you find large, expensive items you really aren’t using that much. Another way to make money decluttering those items is to rent them to other people.

For instance, we once rented an enclosed trailer to a friend who wanted to move their family member. It cost them much less than going through a traditional company, such as U-Haul.  At the same time, it added a little more money to our budget.

5. Use it Yourself

While this idea may not seem like a way to make money decluttering, it sort of is. Through my own decluttering efforts I have run across things I’ve set aside that could save me time and money.

As an example, a few months ago I found a kitchen gadget I’d forgotten about in a little used drawer. I could have decluttered it, but using it myself removed it from the category of clutter. In a sense, I decluttered it.

The way I used it to make money was through time savings. It helped me create freezer meals at a much faster pace by setting up an assembly line while cooking. I used the extra time to do freelance writing and virtual assistant work, therefore, increasing my income.

Certainly, lots of people have extra expenses now and then, whether they’re expected or unexpected. However, you can use these ways to make money decluttering to help cover yours.

What extra expenses have you had lately and how did you cover them?

The post 5 Ways to Make Money Decluttering appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/5-ways-to-make-money-decluttering/feed/ 4 8325
10 Side Hustles You Can Do Now to Make Extra Money http://yourpfpro.com/10-side-hustles-you-can-do-now-to-make-extra-money/ http://yourpfpro.com/10-side-hustles-you-can-do-now-to-make-extra-money/#comments Mon, 29 Oct 2018 11:00:50 +0000 http://yourpfpro.com/?p=8307 Many people need extra money in their budgets from time to time. I did a couple of years ago, and that led me to freelance writing and virtual assistant work to pay down debt. Eventually it grew enough to let me quit my full time job and work from home. Of course, not everyone wants […]

The post 10 Side Hustles You Can Do Now to Make Extra Money appeared first on Your Personal Finance Pro.

]]>
Many people need extra money in their budgets from time to time.That’s why it’s great that there are tons of side hustles you can do to make extra money.Many people need extra money in their budgets from time to time. I did a couple of years ago, and that led me to freelance writing and virtual assistant work to pay down debt. Eventually it grew enough to let me quit my full time job and work from home.

Of course, not everyone wants to start that kind of side hustle to help pay their bills. Your tastes, as well as knowledge and skill set, are probably different from mine. That’s why it’s great that there are tons of side hustles you can do to make extra money.

 

1. Get Paid to Shop

Did you know you can make extra money doing other people’s shopping? Those who are physically impaired or lack time will often pay you well to do this task for them.

You can do this on your own or go through another company such as instacart or Walmart. Some grocery stores are jumping on the concept and hiring personal shoppers as well.

2. Wrap Gifts

If you love to wrap gifts, and are fast, you can make extra money doing it for others. Just buy a few supplies and advertise on Facebook and other social media avenues. You could also talk to store owners in your area to ask for referrals.

3. Bake and Cater

Having a knack for cooking and baking can be a real asset, and a money maker, during the holidays. You can bake sweet treats and other goodies and wrap them in pretty packaging as gifts.

To get the word out, let family, co-workers, and friends try samples of what you make. Take pictures with good lighting and a clean, clutter free, tasteful background and advertise over the internet. You’ll be raking in the dough in no time flat.

4. Shovel Snow

Once the snow begins falling, one of the side hustles you can do is to shovel it. Offer to clear snow from the porches, side-walks, and driveways of others for an hourly fee. Some businesses will even hire you so they can attend to customers while you remove snow.

5. Drive People Around

Another side hustle you can use to increase your income is to drive people around like The Rideshare Guy. He has lots of advice and instruction on how to get started using your car to earn more money.

6. Clean Homes and Businesses

You might be able to clean houses or businesses for others to ease financial strain. It’s a good way to make extra money all year long and can be started at any time.

7. Decorate Houses

Do you love to decorate for the holidays? Why not turn that into a way to make a little extra money? Let people know they can hire you to decorate their homes both indoors and out.

8. Babysit for Others

Even if you work or attend school full time you can babysit during the evenings or on weekends. This lets you earn more money to meet expenses and pay down debt.

9. Sew, Mend, and Tailor

With a good sewing machine and the right skillset you could earn money fixing the wardrobe misfortunes of others. Just put the word out and you’re sure to get plenty of business and extra money.

10. Complete Surveys

An easy way to score additional cash is to fill out surveys. Most are fairly quick to fill out but you can make some money to add to your budget.

The bottom line is that there are many different side hustles you can do to make extra money. Sure, some side hustles are seasonal and others require more physical activity. Regardless, if you really want to make money, consider your knowledge and skills and put them to work for you.

Have you ever considered getting a side hustle to make extra money?

 

The post 10 Side Hustles You Can Do Now to Make Extra Money appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/10-side-hustles-you-can-do-now-to-make-extra-money/feed/ 2 8307
Actions You Can Take Now to Get Out of Debt http://yourpfpro.com/actions-you-can-take-now-to-get-out-of-debt/ http://yourpfpro.com/actions-you-can-take-now-to-get-out-of-debt/#comments Mon, 22 Oct 2018 11:00:08 +0000 http://yourpfpro.com/?p=8301 Although I hate to admit it, my husband and I haven’t always been the best money managers in the past. Having tight finances left us stressed and tired from sleepless nights of worrying. Luckily our finances have gotten better in the past few years. Still, we aren’t the only people who’ve experienced money troubles. Lots […]

The post Actions You Can Take Now to Get Out of Debt appeared first on Your Personal Finance Pro.

]]>
Lots of Americans face budget problems and severe debt every day. If you’re among them, there are actions you can take now to get out of debt.Although I hate to admit it, my husband and I haven’t always been the best money managers in the past. Having tight finances left us stressed and tired from sleepless nights of worrying. Luckily our finances have gotten better in the past few years.

Still, we aren’t the only people who’ve experienced money troubles. Lots of other Americans are facing budget problems as well as severe debt at this very moment. If you’re among them, there are some actions you can take now to get out of debt.

1. Consolidate debt

If you have several different loans, and credit card debt, consolidating everything could help you get out of debt. Consolidating lumps all your debt together so you can make one larger payment instead of a bunch of smaller ones.

Combining your debt could make what you pay each month a little bit less overall. A consolidation loan might also provide you with lower interest or better terms.

Of course, there are potential drawbacks to consolidating debt. For instance, you might end up paying more total interest in the end. When your payments are significantly lower, but for a longer period of time, you’ll probably pay more.

You must also understand that the debt is still there for you to pay. Sure, you might feel some relief in having lower payments. But, you still have to pay the debt at some point.

2. Change Your Spending Habits

To really get out of debt and make consolidation worth the effort you need to change your spending habits. Rather than buying everything you want you’ll need to buy what you truly need.

You should also create a budget before your debt takes over again. Put away or destroy credit cards and don’t use them.

Challenge yourself to a no spend month. Do whatever it takes to help you curb spending and throw as much money at your debt as possible. Change your old habits so you don’t end up right back where you started in a few short months.

3. Sell Extra Stuff

Do you own tons of books, CD’s, DVD’s, clothes, and other items? Gather these items and hold a garage sale or sell your stuff online. Use the extra money you make to pay down your debt.

Go through closets, garages, basements, and other areas of your home. Do a little online research to find the best places to sell each category of items. That will help you make the most money to apply to what you owe.

You’d be surprised how much money you can get just from selling your old excess clutter. Nevertheless, it might not seem like much compared to what you owe. But each cent used to pay off debt gains you debt progress as well as reduced interest on your loans.

4. Take Drastic Action

At times, no amount of debt consolidation, bill negotiation, or other actions will be enough. If what you owe is too great, you may have to take drastic action to get out of debt.

Sell Your Home

Difficult as it may be, selling your home to either buy a smaller one or rent could help. Or, it might require you to move to a different neighborhood or city altogether to lower your mortgage.

While that’s a big decision to make (and it should not be made lightly, by the way, but only after careful consideration) it could rid you of debt and ease your budget.

Rent Your Home or Extra Rooms

Another idea you could take is to rent out your home temporarily and move to a smaller home. Use the money you receive to pay your own rent payment as well as some of your debt.

Even though this idea may not be what you envisioned when you bought your home it could provide financial relief. It’s also a bit less drastic than selling your home outright.

Obviously, you could also try renting extra rooms in your home to add to your income. Keep in mind this may or may not provide a steady, dependable income. However, it could be enough to help you get out of debt faster.

Refinance Your Mortgage

Maybe you won’t have to take such drastic action as selling your home. Perhaps you could simply refinance your mortgage to get your payments lowered instead.

Talk to your banker or look at other options to see if you can reduce what you pay. It could be just what you need to help you get out of debt.

5. Get a side hustle

Taking on a side hustle is another action you can take. If you don’t want to work at a second job permanently, there are plenty of things you can do temporarily.

For example you could wash cars, paint houses, dog sit/dog walk, house sit, babysit, bake, or many other things. There are nearly infinite ways to make extra money, depending on your knowledge and skills.

When you’re in debt you don’t have to stay that way. There are plenty of actions you can take now to get out of debt. You have the power to take back control of your finances today.

Are you in debt? If so, what are you doing now to get out of debt?

The post Actions You Can Take Now to Get Out of Debt appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/actions-you-can-take-now-to-get-out-of-debt/feed/ 3 8301
7 Things to Do Now So Your Holidays are Happier http://yourpfpro.com/7-things-to-do-now-so-your-holidays-are-happier/ http://yourpfpro.com/7-things-to-do-now-so-your-holidays-are-happier/#respond Mon, 15 Oct 2018 11:00:51 +0000 http://yourpfpro.com/?p=8288 Long gone are the days when retailers weren’t allowed to put out any Christmas merchandise until Thanksgiving was over. I made a trip to Walmart a few days ago and noticed that they are, in fact, already well stocked with Holiday decorations. Despite the fact that it seems too early to be thinking about the […]

The post 7 Things to Do Now So Your Holidays are Happier appeared first on Your Personal Finance Pro.

]]>
Do find that you are extra stressed during the holiday season? There are lots of things to do now so your holidays are happier later.Long gone are the days when retailers weren’t allowed to put out any Christmas merchandise until Thanksgiving was over. I made a trip to Walmart a few days ago and noticed that they are, in fact, already well stocked with Holiday decorations.

Despite the fact that it seems too early to be thinking about the holidays, at least some of us should be. If money is already tight, where will you find the extra money you need during the holidays?

The truth is that there are lots of things to do now so your holidays are happier later. I use as many of these ideas as possible to reduce stress and be more relaxed each holiday season.

1. Start a List

Start a list now of who will need gifts, big or small. Figure out what you’ll make or get as early as you can. This will help you prepare early and save money so your holidays are happier. It’ll also help you avoid overspending later because you’ve put off Christmas shopping for too long.

2. Make (and wrap!) Home Crafted Gifts Early

Although it may feel like there’s still plenty of time until the holidays, they can sneak up on you. If you want to have a less stressful, happier holiday, make home crafted gifts now.

When you finish one, wrap it and set it aside. Once you’ve decorated for the season, all you’ll have to do is put the premade, prewrapped gifts under your tree.

3. Spread Out Shopping

If you haven’t begun to holiday shop yet, start now. Beginning well ahead of time will help you spread out the cost instead of waiting until December. It may even help you avoid running up big credit card bills and paying tons of interest.

4. Watch for Ways to Save

Another advantage of starting your holiday preparations so early is finding savings on what you buy. Because you’ll have more time you can comparison shop, look for sales, clip coupons, and buy clearance merchandise. You should also use promotions, coupon codes, reward points, and other discounts to lower your holiday spending.

Need another idea? Try buying gift cards when they go on sale at grocery stores or discount stores like Walmart or Target. You don’t have to give the gift card as a gift.  You can use it to buy other gifts and still save money.

5. Bake as Much as You Can

Do you love to do holiday baking? I do, but sometimes it’s hard to fit it in with everything else. To save both time and money, look for sales and coupons on ingredients you know you’ll use. Then bake whatever you can ahead of time and freeze it until you need it.

6. Set Aside Money

Another of the things you can do now so your holidays are happier is to set aside money. You can do this by looking for ways to save around your home and in other places in your budget.

Eliminate waste by being frugal with water, electricity, and other services you normally take for granted. Shop your pantry and eat what you have in the freezer before you buy more food at the store. Use the money you save for holiday purchases instead of using savings or credit cards.

7. Earn Extra Cash

Work hard now and earn extra cash quickly so your holidays are happier later. There are tons of things you can do to add money to your budget. Here are a few temporary jobs to consider:

Dog Sitting/Dog Walking

Many people struggle with enough time to walk their dogs regularly. Also, if they travel, they may not know where to turn if their pets can’t travel with them. If you like pets, offer to help them out in return for some extra cash.

Babysitting

Babysitting is the perfect way to earn extra cash during your off work hours. If you have kids, you’ll give them playmates and make money doing it.

Cleaning

You could clean commercial buildings in your community or clean homes for others. Even if you can’t find, or don’t want, a full-time gig you might be able to fill in for someone else. Pocket the additional money and use it for the holidays.

Baking

As you do your own early holiday baking, offer to bake for others. It’s another of the things to do now to earn extra cash for the holidays.

Completing Surveys

Online surveys take time but they aren’t difficult to do. Additionally, there are tons of different companies that will pay you to complete them. Try signing up for a few and put extra money in your budget for the holidays.

Obviously it’s too early to decorate your home for the holidays. However, there are still things you can do to prepare and reduce your holiday stress later. Try out some of these ideas to make sure your holidays are happier this year.

What do you do ahead of time to ensure your holidays are happier and less stressed?

The post 7 Things to Do Now So Your Holidays are Happier appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/7-things-to-do-now-so-your-holidays-are-happier/feed/ 0 8288
6 Reasons Not to Loan Money to Family Members http://yourpfpro.com/6-reasons-not-to-loan-money-to-family-members/ http://yourpfpro.com/6-reasons-not-to-loan-money-to-family-members/#comments Mon, 08 Oct 2018 11:00:00 +0000 http://yourpfpro.com/?p=8269 Plenty of people have budget shortfalls from time to time, especially right before, or during, the holidays. Figuring out how to handle it can be different, depending on each person’s situation. Some people just take a little money from their emergency fund and then replace it later. Others make arrangements with their creditors to make […]

The post 6 Reasons Not to Loan Money to Family Members appeared first on Your Personal Finance Pro.

]]>
Even family members have budget shortfalls from time to time. But there are too many reasons not to loan money to family members.Plenty of people have budget shortfalls from time to time, especially right before, or during, the holidays. Figuring out how to handle it can be different, depending on each person’s situation.

Some people just take a little money from their emergency fund and then replace it later. Others make arrangements with their creditors to make payments. Still others may ask family members for a loan.

That’s what happened in my family a few years ago. Unfortunately, it left several family members with a bad taste in their mouths. That’s when my husband and I decided there were too many reasons not to loan money to family members.

1. You Will Never See it Again

If you’ve been approached by a family member for money I would advise you to think it over carefully. Undoubtedly you feel badly for them and don’t want to see them in such a bad financial position.

Still, there’s a real possibility you’ll never see your money again. Believe me, I know that from experience.

The better option is to draw up a contract for both your protection and theirs. It should specify the details of repayment along with when the money is expected to be paid in full.

There should be penalties applied for late payments, such as interest. Otherwise your relative has little to encourage them to pay the money back timely.

You can go to sites such as Legalzoom to get a sample promissory note. Or, if warranted, contact a lawyer to create a contract for you.

2. It Strains the Relationship

Obviously if you loan money to family members it could cause relationships to be strained or even broken.

Relatives who owe money might be resentful of paying interest or signing contracts. At the same time, you could feel angry about any extra little thing your family member buys. After all, they could have put that money toward the loan you granted them.

It’s even worse if the family member defaults on the loan. In that type of situation, relationships could be damaged beyond repair.

3. Emergencies Might Crop Up

If you’re like me, or anyone else, I suspect, you’ve had your own money emergencies once in a while. If you haven’t, you probably will at some point in time. Not everything in life can be predicted.

That being the case, when you loan money to family members it could leave you in a jam. Sure, you may have had the money at the time. However, you could end up needing it yourself down the road.

4. The Loan Could Put You in Debt

Serious debt is among all of the other reasons not to loan money to relatives. This is a real concern if your own budget is already strained.

The last thing you want to do is end up in debt or with damaged credit because you let a family member borrow money from you. Although it isn’t easy, simply saying “no” might save you money and be better for everyone involved.

5. They Could Repeat the Request

Turning down family members who ask for a loan isn’t easy. Yet, you should keep in mind that they could repeat the request in the future once you agree.

In fact, you’re probably enabling them to repeat bad financial decisions that got them into trouble to begin with. Forking over money for their bills might temporarily ease their strain, but it’s only a band aid.

6. Future Goals May Be at Stake

Do you have goals or dreams of retiring in the future or traveling? When you loan money to family members that never pay it back you might put them as stake.

Your retirement accounts could end up smaller forcing you to stay in the work force longer than you planned. Additionally, travel may not be possible if you don’t have the money for it.

When family members approach you for money it’s not easy to know how to answer. My personal experience demonstrates why it’s a bad idea to loan money to family members. But everyone’s situation and opinions are different. Therefore, you’ll have to carefully consider all of the facts before deciding for yourself.

Have you ever been asked to loan money to a family member?

The post 6 Reasons Not to Loan Money to Family Members appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/6-reasons-not-to-loan-money-to-family-members/feed/ 16 8269
Roommate Battles: When Money Comes Between You http://yourpfpro.com/roommate-battles-when-money-comes-between-you/ http://yourpfpro.com/roommate-battles-when-money-comes-between-you/#comments Mon, 01 Oct 2018 11:00:09 +0000 http://yourpfpro.com/?p=8257 I remember when I first went away from home to college all the way across the state. I was married, so my “roommate” was actually my husband. We shared everything, including the money in our joint checking and savings accounts. Of course, my situation was a little different from that of many other college students. […]

The post Roommate Battles: When Money Comes Between You appeared first on Your Personal Finance Pro.

]]>
Do you have roommate battles when money comes between you and a roommate? Here's how you can avoid them and live together in peace.I remember when I first went away from home to college all the way across the state. I was married, so my “roommate” was actually my husband. We shared everything, including the money in our joint checking and savings accounts.

Of course, my situation was a little different from that of many other college students. When they move away from college they may end up with complete strangers for roommates.

At first they probably remain cordial and polite with one another. But what happens when the newness has worn off and roommates clash? If you have a roommate, what will you do when money comes between you?

Start Off With a Plan

One thing you can do to prevent roommate battles is to start off with a plan early on. Obviously it’s even better if you can pick your rental together. Nevertheless, that isn’t always possible. Therefore, an alternative is to sit down with your roommate, or roommates, soon after moving in to discuss money issues.

Space and Rent Payments

You can make division of the rent simple or complicated depending on how nitpicky you want to be. For instance, if you want, you could figure the square feet of each person’s space. Then, divide by the total square footage to get a percentage. That percentage can then be used to figure their portion of the monthly rent payment.

But you can also make the decision a whole lot easier by dividing the rent payment evenly among everyone. If space is pretty much equal it might make the most sense.

Utilities, Cable, and Internet

Generally it’s easier to divide these bills by the number of people living in the house or apartment. But what if one person wants cable TV and the other doesn’t?

In that case, the person wanting it should have to pay the whole bill, choose an alternative, or do without. Whichever way you choose to handle it, everyone should agree ahead of time to thwart roommate battles.

Food

Food is another area of discussion in order to avert roommate battles so money doesn’t come between you. Decide right away if you’ll shop together and split food costs or pay for your own and label it.

Try not to eat out too often so you have enough money to pay your own bills. Restaurant food is expensive and avoiding it saves money.

Set Up Rules

Television

Believe it or not, sometimes roommate battles happen over silly things like who was hogging the TV. Although that may not seem money related, it could go that direction. When one person watches more than their fair share, they may be asked to pay more of the cable bill.

The best way to avoid this kind of money issue is to set up rules ahead of time. Choose certain nights when each person can watch what they want. Or, allow a certain number of hours per person each week.

Curfews

Even curfews can turn into money fights if one roommate disrespects others in the matter. Listening to loud music, playing video games, or watching TV can disrupt sleep and study time of others. They may retaliate by demanding respect, since they pay rent too, and thus the fight begins.

Avoid these issues by talking about them ahead of time. Agree on a plan and don’t be so rigid you can’t allow a bit of wiggle room for special times.

Document Everything

Something else you can do to prevent clashing with your roommate is to document everything you talked about. Have a computer or pen and paper with you when you talk so you can take notes.

You could even go so far as to print it out and have each person read and sign it. Then make copies for everyone. That way if either you or a roommate needs to look back at what was decided on there is no question.

Determine Consequences

One of the tough things to hash out when money comes between you and a roommate is consequences. Although if either of you is angry it might not be quite so tough to discuss.

Still, to avoid heated roommate battles, include consequences of rule violations. Decide ahead of time what everyone will do if one person moves out.

An additional thing to talk about ahead of time is how you’ll deal with someone who is behind on their share of the rent, utilities, or other bills. Certainly you don’t want to pay their bills for them because you may never see that money again.

At the same time, drawing a hard line in the sand could make it difficult for everyone. As an example, if a four way split turns into a three way split, everyone’s bills go up.

Once roommates get used to each other the rose colored glasses usually come off. That’s when money could come between you. But roommate battles aren’t inevitable. If you use these tips you may avoid them, get along well, and even stay friends for a lifetime.

Have you and a roommate ever had money come between you? If so, how did you handle it?

The post Roommate Battles: When Money Comes Between You appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/roommate-battles-when-money-comes-between-you/feed/ 8 8257
9 Ways a Smaller Home Can Benefit Your Budget http://yourpfpro.com/9-ways-a-smaller-home-can-benefit-your-budget/ http://yourpfpro.com/9-ways-a-smaller-home-can-benefit-your-budget/#comments Mon, 24 Sep 2018 11:00:04 +0000 http://yourpfpro.com/?p=8238 When my husband and I first got married we wanted what many other couples dream of – to own our own home. But we were still in college at the time, and money was tight. Down the road a few years we were able to realize our dream and buy our first home. Jump ahead […]

The post 9 Ways a Smaller Home Can Benefit Your Budget appeared first on Your Personal Finance Pro.

]]>
If buying a home is in your future plans, consider the facts before you sign any contracts. There are lots of ways a smaller home can benefit your budget.When my husband and I first got married we wanted what many other couples dream of – to own our own home. But we were still in college at the time, and money was tight.

Down the road a few years we were able to realize our dream and buy our first home. Jump ahead a couple of more years and we sold that home to buy one that was considerably larger.

Of course, having a larger home meant we had higher bills to pay. Looking back I think we might have saved some money by buying a house that was a little smaller.

If buying a home is in your future plans, carefully consider all of the facts before you sign any contracts.  Sure, there are lots of advantages of having more space. However, there are also lots of ways a smaller home can benefit your budget.

1. Smaller Monthly House Payment

Obviously one of the ways a smaller home can help you is with a smaller monthly house payment. It’s true that not everyone who owns a home will have to get a mortgage. But many people can’t pay cash for a house and need to get a loan of some kind.

Therefore, it makes sense to get the smallest house possible to meet your needs and your budget. Then you’ll be able to pay it off faster and have smaller house payments.

2. Less Overall Debt

Less overall debt is another good thing about purchasing a smaller home. With lower payments to make each month you can use your money in other ways.

For example, you could apply more money to credit card debt, car payments, and other debt you owe. Or, you could use the money for travel or for education.

No matter how you use your money, less overall debt means less stress on both you and your finances.

3. More Wiggle Room in Your Budget

There’s more wiggle room in your budget when you buy a smaller home. With lower payments, or no payments, you can not only pay down debt, but save money too.

Some of the ways you can benefit from this is by building up your emergency funds. Then you won’t run into financial trouble if unexpected expenses come up in the future.

4. Lower Utility Bills

One side benefit of a smaller home is lower utility bills. The more area you have, the more it costs to heat and cool it.

But you won’t spend as much on water either. You’ll most likely have a smaller yard to keep up as well as less to clean inside. So, in addition to having lower mortgage payments you’ll enjoy lower utility bills as well.

5. Less Maintenance

Owning a smaller home gives you less house to maintain. This is another benefit to your budget. You’ll spend less on cleaning supplies, carpet, paint, and etc. to keep your home in tip-top shape.

6. Reduced Taxes

Do you need another reason to consider living in a tiny house? The smaller your home, the lower your taxes will be on that home. That means more money in your pocket for other things you and your family need.

7. Fewer Pieces of Furniture

Having a smaller home means you don’t have to spend as much to fill it up. You’ll have less stuff and more money for other needs and wants.

8. Extra Money to Invest

If you aren’t making huge house payments each month you can use the extra money to invest. Take some of that money and invest it for your future retirement or travel. Set aside some for your children’s college education.

9. Less Interest

When you buy a house by getting a mortgage you’ll end up paying interest on your loan. The smaller your house is, the lower the amount of the loan you’ll need. With a lower loan you’ll pay less interest to your lender and keep more money for yourself.

Clearly there are lots of ways a smaller home can benefit your budget. If a new home is in your future, before you buy, make sure it fits your budget.

Have you considered buying a smaller home or downsizing your existing one to save money?

The post 9 Ways a Smaller Home Can Benefit Your Budget appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/9-ways-a-smaller-home-can-benefit-your-budget/feed/ 7 8238
How to Give Your Budget a Break without Killing it http://yourpfpro.com/how-to-give-your-budget-a-break-without-killing-it/ http://yourpfpro.com/how-to-give-your-budget-a-break-without-killing-it/#comments Mon, 17 Sep 2018 11:00:25 +0000 http://yourpfpro.com/?p=8230 Whenever you’re trying to rid yourself of debt, and stick to a strict budget, denying yourself can get old. In fact, if you don’t treat yourself once in a while you’re probably going to blow it big time. The problem with blowing it is that you could sabotage everything you’ve been working so hard for. […]

The post How to Give Your Budget a Break without Killing it appeared first on Your Personal Finance Pro.

]]>
Sticking to a strict budget and denying yourself can get old. But there are some ways to give your budget a break without killing it.Whenever you’re trying to rid yourself of debt, and stick to a strict budget, denying yourself can get old. In fact, if you don’t treat yourself once in a while you’re probably going to blow it big time.

The problem with blowing it is that you could sabotage everything you’ve been working so hard for. You certainly don’t want to end up deeper in debt from a one-time splurge. You also don’t want to get into bad spending habits, such as blowing a cash windfall.

But there are some ways to give your budget a break without killing it. Here are a few to try.

Budget for a Monthly Splurge

If you’ve been doing really great with your budgeting, why not add a monthly splurge to it? Having a monthly splurge allows you to give your budget a small break.

To do it without killing it, though, you’ll want to keep the emphasis on the word, “small”. In other words, make it a $20 or less splurge. Don’t know of anything you could splurge on for that amount? Try the ideas below:

  • Stop by your favorite coffee shop and grab a flavored cup of joe.
  • Eat lunch out instead of brown bagging it.
  • Get your nails polished in a salon.
  • Buy and burn a candle in a scent you love.
  • Download a few new songs you can only get from iTunes.

Add a Day Off to Your Budget

Another way to take a budget break is to add a day off into your budget occasionally. If you can, try doing it once every six months.

Use the day to read a book, catch up on errands, or grab an afternoon matinee. If you really must, spend the day cleaning or organizing in your house.

Whatever you choose to do with your time, make it something enjoyable or that makes you feel better afterward. Just don’t forget to put a cap on the spending so you aren’t killing your budget.

When you add a day off to your budget you’re allowing yourself to have a day for anything you want to do. Call it a “mental health break” from work and your regular routine.

Put Date Night in Your Budget

Having a date night with your sweetheart is something far too few of us do. We go about our daily routines and forget to stop and spend time with those we care the most about.

There are lots of ways to have date night and give your budget a break without killing it. Try one of these options:

  • Go to a movie but skip the restaurant meal beforehand and eat at home.
  • Walk on the beach or lay out on a blanket under the stars.
  • Enjoy a few hours at a club but eat a meal and have one drink before you go. Then put a reasonable cap on your drink tab.
  • Take a blanket and food to the park for a picnic.
  • Have a ball by bowling – even if you’re like me and not good at it you can still have fun.

If you need a few more options for a budget friendly date, think about what your significant other likes to do. Or, try brainstorming with a friend to get some fresh ideas.

Get Something New

Just because you decided to buy a new clothing item or accessory it doesn’t mean you have to overspend. You can get something new, give your budget a break, and keep from killing it at the same time.

To accomplish this, put a limit on the amount you’ll spend and don’t go over. I once had to give my budget a break and clothes shop for a new job. I tried on a dress that was too cute to pass up but I had nearly spent what I could afford.

There was no price on the dress tag so I had no idea how much it would cost. To keep my spending down I made a deal with myself: if it was $25 or less I would buy it. When I took it to the register, the clerk checked and it was exactly $25. Needless to say, the dress came home with me.

Shopping with a limit allowed me to get something I loved without going overboard. I was able to give my budget a break and still stay on track financially.

It isn’t always easy to give your budget a break without killing it. But even if you’re like me and have a fluctuating income it can be done.

What ways would you give your budget a break without killing it?

The post How to Give Your Budget a Break without Killing it appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/how-to-give-your-budget-a-break-without-killing-it/feed/ 2 8230
4 Money Wasters College Students Should Avoid http://yourpfpro.com/4-money-wasters-college-students-should-avoid/ http://yourpfpro.com/4-money-wasters-college-students-should-avoid/#comments Mon, 10 Sep 2018 11:00:30 +0000 http://yourpfpro.com/?p=8218 When I attended college, I ended up with a very small student loan when I graduated. Thinking back I believe it was just under $3K. But that was quite a few years ago. I’m sure if I had gone more recently I would have had student loans for several times that amount. These days the […]

The post 4 Money Wasters College Students Should Avoid appeared first on Your Personal Finance Pro.

]]>
These days the costs of attending college are higher than ever. To help with that, here are some money wasters college students should avoid.When I attended college, I ended up with a very small student loan when I graduated. Thinking back I believe it was just under $3K.

But that was quite a few years ago. I’m sure if I had gone more recently I would have had student loans for several times that amount.

These days the costs of attending college are higher than ever. In fact it’s become a less and less affordable option for many. Some high school graduates are even opting to move straight into the work force and skip college altogether.

Of course, plenty of people still attend college and many end up in serious debt as a result. However, some of that debt might be prevented if college students were more careful with their money. To help with that, here are some money wasters college students should avoid.

1. Housing Costs

While some colleges have strict rules and require certain students to live on campus, not all do. If students don’t have to live in the college dorms, it might be cheaper to live elsewhere.

They should check the price of college dorms against the cost of rent somewhere else. Additionally, they keep in mind that their living space doesn’t have to be a palace because it’s temporary. When they’re done in a few years, who will care what the place looked like or if the curtains matched?

Sharing housing expenses with a few friends would lower their costs. Keeping their “stuff” at a minimum can also allow more people to share a house or apartment. That will make their housing costs more affordable.

2. High Priced Tuition

There’s more than one way to keep high priced tuition from being a money waster. Here are a few that might help out.

Don’t Go Out of State

Out of state tuition costs can be double, or more, of what students would pay within their own state. Therefore, this is one of the money wasters college students should avoid if they can. Instead, they should attend college in their own state (clearly this doesn’t apply to students who are attending college on a full scholarship).

Take Classes Early

Some high schools offer dual enrollment. This lets their students begin taking college courses a few years earlier than they normally would. Also, these credits can often be earned at a lower cost than they would usually pay.

Spreading these classes over a longer period of time is another cost savings when going to college. This can make college a little more affordable for many people.

Attend Community College First

College students should avoid wasting money on high tuition costs by attending a community college first. Courses taken at these colleges are usually more economical. Students may even be able to get half, or more, of their credits completed for far less money.

3. Parties and Entertainment

It makes sense that when college students leave home they want to go out and enjoy themselves sometimes. But the more parties and social events they attend, or host, the more it costs.

Keeping these events to one or two a month can help them avoid overspending and wasting money. The rest of the time they should try alternative entertainment that is cheap or free.

4. Food Costs

Fast food and restaurant meals can kill a budget fast. They are definitely some of the money wasters to avoid in college.

Does that mean students should never eat out at all? Of course not. Indulging a few times a month is ok. The rest of the time college attendees should fix meals themselves, if they can.

When it comes to eating on campus, those costs can be just as much as restaurant food. Unless it’s unavoidable, college students should avoid paying for pricey meal plans.

Certainly when students go to college they should have fun while learning. That doesn’t mean they should have to pay for it for the rest of their lives, though. That’s why it’s critical for them to avoid these, and other, money wasters while in college.

What are some other money wasters college students should avoid?

The post 4 Money Wasters College Students Should Avoid appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/4-money-wasters-college-students-should-avoid/feed/ 3 8218
5 Ways to Save Before the Holidays Hit http://yourpfpro.com/5-ways-to-save-before-the-holidays-hit/ http://yourpfpro.com/5-ways-to-save-before-the-holidays-hit/#comments Mon, 03 Sep 2018 11:00:07 +0000 http://yourpfpro.com/?p=8185 The closer it gets to the holidays, the less time you have to save for additional expenses. At the same time, saving money for holiday extra’s isn’t always easy. This double whammy can easily take a huge toll on your budget in the few months leading to Christmas. To keep up with these expenses, many […]

The post 5 Ways to Save Before the Holidays Hit appeared first on Your Personal Finance Pro.

]]>
The closer it gets to the holidays, the less time you have to save for additional expenses. At the same time, saving money for holiday extra’s isn’t always easy. This double whammy can easily take a huge toll on your budget in the few months leading to Christmas.

To keep up with these expenses, many people resort to using their credit cards. But that leads to credit card debt and high interest you might not get paid off before next year.

Fortunately, no matter what time of year it is, there are plenty of ways to save before the holidays hit. Here are few you could use to help you save.

1. Track Every Cent

Although this tactic could be a bit tedious, it is one way to know for sure just where your money is going. Of course, the idea is that knowing where your money is going will help you tighten your wallet.

You can do this easily by setting up a spreadsheet on your computer. But you could use a simple notebook to write everything down too. Or, put all of your receipts in an envelope and add them up every few days.

Some of these methods are probably a little more time intensive than others. However, as you add up what you are spending, you might see expenses you can lower or eliminate entirely. Then, bank this money in a separate account or put cash in an envelope for holiday spending.

2. Compete with a Friend

If you have a friend or two who don’t mind sharing what they spend you could compete with them. Having another person to help you stay accountable can keep you on track with your savings.

Share with each other once a week or every few days so you always know who’s on top. Then you can give each other encouragement to lower your spending.

Another thing you could do to make it fun is give little weekly prizes. For example, one incentive could be a trip to Starbucks for the person with the lowest expenses. Just make sure you say no to large or extravagant prizes so you don’t undo your savings.

3. Have “No Spend” Month

You could have a “no spend” month to save before the holidays hit. This is an additional way to help you pay for gifts, décor, and food.

Obviously you still have to pay your rent or mortgage, electricity, water, and other mandatory expenses. So, I’m not talking about those monthly costs. What I mean is, no buying anything else on top of that for a whole month.

If that seems to drastic, do it for a week and then take a week off. After that, do it again. Over a two month period you will have had your no spend month.

Get your family on board with your goals and have them help you have a “no spend” month. Talk to them about money and your ideas to lower spending. That way you can avoid debt and still enjoy the holiday.

4. Eat Only What You Already Have

Eating only what you already have on hand is one way to save money before the holidays are here. Try starting it on a Sunday and going the entire week without a trip to the store.

I actually have a friend who is doing this right now. She’s trying to use what she has and not cook anything not already in her cabinets until the holidays. You could try that too to save money for other things in your budget.

To stretch your money even more, go through your pantry and freezer. Use what you have on hand to create meals without buying anything more. If you must buy to cook, make it a purchase that helps you use what is already in your cupboards.

5. Only Use Cash

Aside from the bills that are deducted automatically, or must be sent through the mail, use cash. When you spend cash you tend to want to hang onto it rather than spending it. That means you’ll naturally spend less and save more.

You can also set it up in multiple envelopes for each category. As an example, you might have an envelope for food, one for personal items, and another for pets. Paying for what you need this way can help you tweak your overall budget and make changes that make sense.

Let’s say you budget $250 for food each month but never spend more than $200. That could mean your budget needs to be adjusted.

As stores begin to put out their holiday items it becomes a greater temptation to give in and spend. But if you need to save before the holidays hit, try some of these tips. Once Thanksgiving and Christmas roll around you’ll be prepared and won’t have to whip out your plastic.

What ways do you save before the holiday’s hit?

The post 5 Ways to Save Before the Holidays Hit appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/5-ways-to-save-before-the-holidays-hit/feed/ 4 8185
6 Frugal Fall Home Improvement Ideas http://yourpfpro.com/6-frugal-fall-home-improvement-ideas/ http://yourpfpro.com/6-frugal-fall-home-improvement-ideas/#respond Mon, 27 Aug 2018 11:00:41 +0000 http://yourpfpro.com/?p=8176 A couple of weeks ago, I went to visit my daughter who moved recently. While there, I helped her put away some stuff from the move as well as do some cleaning and painting. Once I got back home, I was inspired to finish a project I’ve been putting off. I ordered new carpet for […]

The post 6 Frugal Fall Home Improvement Ideas appeared first on Your Personal Finance Pro.

]]>
Does your home need an update? If it does, there are lots of different frugal fall home improvement ideas you could do to spruce up your home.A couple of weeks ago, I went to visit my daughter who moved recently. While there, I helped her put away some stuff from the move as well as do some cleaning and painting.

Once I got back home, I was inspired to finish a project I’ve been putting off. I ordered new carpet for a basement bedroom and today I started painting it. That made me think about the different frugal fall home improvement ideas people could do to spruce up their homes.

1. Paint Indoors or Out

Of course, one thing you could do as a frugal fall home improvement idea is to paint your home. Whether you choose to paint indoors or outdoors may depend on how much you want to spend. It can also hinge on which area needs to be updated more.

For a bedroom, like I am currently working on, you can get a couple of gallons of paint for under $50. If you spend another $20 you can get a good angled paint brush, some roller covers, and painters tape. In fact, I was able to buy all of my supplies for around $50 to update one bedroom.

Obviously it would cost significantly more than that to paint the entire outside of your home. Still, paint is one of the most frugal home improvement ideas you can do to refresh your home. Also, sometimes you have to spend a little money on your home to save money in the long run.

2. Clean Up the Yard

To make the outside of your home more appealing, try this frugal fall home improvement idea. Pull your weeds, removed dead flowers, and trim in addition to mowing your lawn. Then sweep away dead grass and rake and bag dead leaves.

When you clean up the yard it makes your home more appealing to others who visit. Additionally, If you plan to sell it anytime soon, this is a home improvement idea you don’t want to skip.

As far as cost, you might need a garbage bag or two for dead leaves and weeds. The cost for those should be less than $1. You’ll also need gas for your mower and trimmer, which should only cost a few dollars at most. Beyond that, the rest is just your own time and labor.

3. Light it Up

Another frugal fall idea is to get a new lamp or two. You certainly don’t have to choose anything fancy. Target has lots of trendy lamps for less than $40 each.

If ceiling fixtures are what you need instead, those can be had as well. Careful shopping will help you get a new one for less than $100. To get one used, watch for sales or check out Craigslist, EBay, or online sale groups in your community.

4. Update Cabinet Door Pulls

You can completely change the look of your kitchen by getting new cabinet door pulls. I bought new ones not long ago and it totally changed how our kitchen looks.

The other great thing is that it was a relatively inexpensive home improvement idea. I bought 40 of them and spent less than $150 total. If you don’t need as many and don’t choose super expensive pulls, you may be able to stay under $100.

5. Curtains & Blinds

Curtains and blinds can transform your home and make it more modern. There are plenty of places to purchase them without breaking the bank. Check out the Walmart, JC Penny’s, and Bed Bath & Beyond just to name a few options.

As far as price, it depends on the material and size. When I helped my daughter choose curtains recently, she got hers for less than $30 per window (her windows are large).

6. Cleaning & Decluttering

While some people wouldn’t consider this a home improvement idea, it is frugal and can help you update your home. I spent some time cleaning and decluttering today and yesterday. I found several items I plan to sell online that were not being used.

I’ll use the extra money to buy the new ceiling light fixture for my updated sewing room. That’s a great way to find the money to complete my room without shelling out extra in my budget.

Many people do their spring cleaning and sprucing up in the spring. I like to do it both in the spring and in the fall. That way, my house is fresh and ready to go for the holidays.

What frugal fall home improvement ideas are you working on?

The post 6 Frugal Fall Home Improvement Ideas appeared first on Your Personal Finance Pro.

]]>
http://yourpfpro.com/6-frugal-fall-home-improvement-ideas/feed/ 0 8176