Top 5 Tips To Make Your Rental Feel Like Home

(Inexpensive) ways to make your rental feel like home.

make your rental feel like home

I have been living in my apartment for a little over 10 years and I know I need to get ready to move, most likely next Summer.  I really like my place and wish I could stay but the landlord is no longer able to keep up maintenance which brings up a lot of stress (for me).

I love my place.  In fact I love it more than the last house I owned.   It’s a well lit duplex, with windows on four sides.  I have French doors in the living room leading to a small deck and a huge oak tree providing Summer shade.  The thought of moving is not fun and it makes me think how I would make sure I love my next place as much as I love this one and how I could make it feel like home.

Make sure you love at least one feature of the place you are about to rent.

This is so important.  Moving is expensive and tiring.  It can be the light, the fireplace, the location or the size of the rooms.  Just make sure you fall in love with at least one feature that is important for you before you sign the lease.  I fell in love with the gas fireplace and the French doors in this place and the location.  Oh, and access to a clothesline.

I made a terrible decision before I moved here.  I bought a house that just did not feel right.  And I paid dearly for it, in dollars and stress.  For me, location is very important.  I am a city woman and love being close to everything.  I know other people who would rather live in the country and don’t mind the driving.

The best way to put the odds in your favour is to visit the neighbourhood a few times during the day, on the weekend and in the evening.  It will give you a taste of what you can expect on your street.  This piece of advice definitely also applies when you decide to buy a house.

 

Treat your new place as if you owned it. Put your signature on it.

make your rental feel like home

 

 

Continue reading “Top 5 Tips To Make Your Rental Feel Like Home”

Being frugal. What’s the point?

Why being frugal?  What’s the point of being frugal? It’s all about how you want to feel.

why being frugal, saving money, why save money?

What is the point of being frugal, living frugally, looking for sales, looking at flyers, buying secondhand sometimes, avoiding the shops, not buying that cute dress or those, oh those shoes?

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First, let’s look at what being frugal is not.  It’s not to become like the Scrooge, although at the beginning of your frugal journey it may feel like it.

 

Becaue let’s be real.  If you have always spent money like someone else was going to pay the bills, changing your ways will take some adjusting.  But you can make the transition a lot easier for yourself if you change a few small things about your spending habits.

why being frugal, saving money, why save money, take care of your money

The first small, well not so small, thing to change is your mindset. Continue reading “Being frugal. What’s the point?”

5 Ways Being Mindful Will Save You Money On Food, And A Bonus

Do you wonder “How can I save money on food and eat well too?  You know it’s good to be Thrifty?  It leaves money in your pocket for what really matters.  There are many ways to save money on food and eat well too.how can I save money on food and eat well

I have made big changes in my food shopping in the past 6 months or so.  I had never calculated how much I spent on groceries until the day I checked my credit card bill (I pay everyting with my card to get points) and saw I spent around $250 a month, quite consistently.  I thought this was a little high and I decided to see if I could find ways to save money on food.

Marguerite Tennier (makesenseoflife.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com and amazon.ca

5 ways to save money on food (while eating well)

Look at how much you normally spend and set a food budget 20% lower for the next month to save money on food.

  • For example if you normally spend $250. a month on food  – excluding cleaning products, toilet paper, etc., set your food budget at 80% of that, or $200. a month.  If you are already spending wisely you may not lower your food bill as much as I did.  On the other hand, you may find you can be a lot more thrifty and still eat really well.

Continue reading “5 Ways Being Mindful Will Save You Money On Food, And A Bonus”

8 Expenses to have a more frugal lifestyle, save money and time too

What, buy something when I encourage a more frugal lifestyle?  Stay with me, because yes, sometimes it pays to spend.  household purchases to help you save money, frugal lifestyle, save money, frugal living,

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Yes, just like we often need to spend money to make money – think education, business training, etc., when it comes to living a more frugal lifestyle, you will find it easier if you have the right tools to help you.   A frugal lifestyle should not make you miserable.  Yes you want to save money for the future, but increasing your quality of life is also important so that you stay on course for the long term.

There are many ways some investment can save you money.  Today I will limit myself to 8.

 

My first gadget to live more frugally is a clothesline and some clothespin.  I did not have to install the clothesline myself but I invested in good, sturdy clothespins – pretty too.  They came in different colors and I sometimes try to use them to color match the clothes I hang out to dry.  That’s on days I don’t have much to do.

 

Appliances that cost you the most to use are those that produce heat – stove, oven, dishwasher, baseboards, as well as your air conditioners.   Your clothes dryer comes up at the top of that list.

 

Some people argue that it takes a long time to hang clothes to dry.  I agree that it takes a little bit of time.  A full load probably can be hung in 10,  15 minutes max, plus the 10 minutes it will take to bring it back inside once the sun and the wind have done their job.

 

Others will say it’s wasted time.  I suggest you use that time to disconnect from your work, or Facebook, etc. an use it as meditation time.  Just enjoying the sun and the wind, and possibly the green space and flowers around you.  Those 10 minutes outside breathing fresh air will re-energize you and make you more productive for the next few hours.

 

My second favourite  gadget is my cappuccino-espresso maker.  It sits in my kitchen and lets me make cappuccino on demand for a fraction of the cost I would pay at the corner café. (One cappuccino a week, for 5 years =$3.50 X 250 weeks) =$875.  If you have 2 a week, then it $1750. in coffee.  And I know some of you have it everyday. Then we are talking about over $4,000.  Yes, I love my fairly inexpensive Breville but you if you save more you may want to invest in a pricier machine.

 

I bought mine when it was on sale and calculated that it would take less than one cappuccino a week for less than a year to get my money’s worth   Meaning that for the next 5 or so years, I  will enjoy cappuccino for free (plus the cost of coffee itself).  All in all a pretty good deal.

 

Side benefit is I can have a cappuccino anytime I want, I can have it in my pj’s, on my balcony or in my backyard or looking outside on a rainy or snowy day.  It saves me the time to get dressed, walk to the café and wait in line.  And no need for tipping either.

 

My third purchase that saves me time and money is my clothes washer.  If you have a home that’s probably a given that you have your washing machine.  When you rent an apartment however, that convenience is usually not included.  I paid good price for my Maytag portable washer, about $600 10 years or so ago.  Maybe you need to walk or drive to a Laundromat nearby, at a cost of both time and money, or use the coin-operated one in your building.  This portable beauty could solve that problem, and pay for itself within a short time

 

But it has paid off in time, and money, because time is money.  I could use the washer and dryer included in my rent but this involved getting outside to access it next door, and sharing with 4 other tenants.  My washer is probably good for another 10 years.  $30. a year for a great convenience, again, at my fingertip 24 hours a day, in my pj’s.

 

I also invested in 3 fans, tower type.  Elegant, noiseless and portable.  Total cost: about $200.  While I do have a window air conditioner, I seldom use it, unless I have guests who cannot tolerate the heat. You may also like this one

 

I personally love the warm days of Summer, maybe because they are so few where I live.  If you want to save money to keep cool in Summer, I highly recommend getting some of those and remembering the cold days of winter and how much you longed for Summer.

 

I am lucky to also have ceiling fans: bedroom, kitchen and living room.  They too are great to provide relief from the heat.  I like to imagine I am in Africa (seen those in movies).  It’s a great excuse to make a cool lemonade and sit with my feet up and a good book.

 

Some people don’t like ceiling fans because give too much wind.  I suggest you use the slowest setting for the one in the bedroom and living room.  The kitchen one is great on high when you are slaving over a hot stove.

 

A dishwasher is also great to save money and time.  Many studies show that washing dishes in the dishwasher uses less water than if you wash by hand.  To make sure you also use less hydro, turn the dishwasher on when the hydro rates are lower (for me it’s after 7 p.m. and anytime on weekends).  Refrain from rinsing your dishes.  And fill up the dishwasher before turning it on. I love my portable dishwasher because I hate washing dishes.   Even a countertop dishwasher can help your frugal lifestyle and it saves me time. This one looks good too

Lined drapes and or sun proof window shades.  Those will do double duty.  Keep the sun out in Summer and keep the cold out in Winter nights.  You can even make some for patio doors to hang outside, before the heat hits the window.  I did some for my living room.  They attach with Velcro, and can be put on or removed in under 30 seconds.  Great for morning when the temperature hits 30C (86F), like today.  They are also inexpensive to make.

 

Finally I bought a portable BBQ, correction, it was a gift– it’s on the balcony and is great to cook on hot days.  Cheaper than hydro to use and the house remains cooler when you cook outside, so you save on cooling costs. Cooking outside is another way to relax and recharge.

If you found this post useful, please let me know and share with your network and on social media.  Thanks.

Marguerite

 

 

 

 

 

 

Ditch The New Normal With Your Health, Love Life And Money

This post may contain affiliate links.  If you purchase something using those links, I may receive a small commission, at no cost to you.

Stand Out!  Don’t be Afraid, Ditch Normal

I know, this goes against everything your mom and common sense told you since you were a toddler.  Everyone wants to be seen as normal, right? Normal means fitting in, being like everyone else, part of the majority.

stand out, don't be afraid, ditch new normal

Well, no more, at least when it comes to these three aspects of your life.  Because today many people find it normal to be overweight and in poor health, to settle in relationships and to have debt and little or no net worth.

 

Normal Health?  No way.

 

The new normal in America is if you are in the norm, you are very overweight, maybe obese.  Because you are so uncomfortable, you rarely walk or do any other kind of exercise.

 

If you are normal in America, it means you eat fast food regularly, smoke, eat very little fruit and vegetable and barely know how to cook.  In fact, you also eat out a lot and your fridge has mostly soft drinks, beer, some frozen pizza and other processed food.

 

If you are normal, you have latent heart problems and or type 2 diabetes, and there is a good chance you will die fairly young or spend your last years in a wheelchair.

 

It’s become normal in America to have obese kids who slurp on soft drinks, watch tv or play on computer most of the time and are addicted to junk food.  Today’s youngs may die younger than their parents because their bad health starts when they are so young.

 

Where do you fit in that picture?  If you find that this is a pretty accurate description of your health, you can change it.  It’s quite simple really although it’s not necessarily easy.

 

First, ditch the junk food.  Invest in some fruits and vegetables. Then, start cooking.  And start walking.  Identify your triggers for eating badly.  Attack them one by one.  Make friends with people who eat healthy.  Make friends with people who walk or exercise and value their health.  Meal planning can help you eat healthier.

stand out, don't be afraid, eat healthy, ditch new normal

 

Someone said Continue reading “Ditch The New Normal With Your Health, Love Life And Money”

Resources – Recommendations

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Marguerite Tennier (makesenseoflife.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com and amazon.ca

  1. I use Bluehost Have you ever thought of having your own blog or website, but thought it was too expensive or too complicated to set up?  Here comes the solution: for between $36 to $50 a year (if you catch a special, it’s close to $36. but it always under $50 with my link), including a free domain name the first year  ($15. saving) through this link– It comes with free Website builders, WordPress installed in one click and 24/7 support,from Bluehost.

2. With  $5mealplan, the planning, including the grocery list, is done for you.   If you are tired of trying to come up with interesting, low cost, varied meals for the family, this is for you.   For $5 a month you can prepare healthy, low cost (even gluten free) meals.  14 day free trial – and you can cancel anytime – no question asked.

3. You certainly have heard about Airbnb.  A trip to Quebec city on September 10 and we are using this for the first time.  A full apartment for 3, including a full kitchen for less than a hotel room. Whether you travel for pleasure or work, totally worth taking a look here – By joining, you save $40 ($66 if you also have a work email) when you make your first reservation.,

P.S. we did use the Airbnb in Quebec city and it was more than satisfactory.  $99. a night for 3 bedrooms, equipped kitchen, living room with cable tv, parking.  In fact it was a bungalow, not an appartment on a quiet street, about 9kms from Old Québec city.

4. Emotional Freedom Techniques – also called emotional acupuncture.  Use it to lower stress, to change negative thoughts.  Easy to learn.  Here is a link to a free book (pdf 87 pages)  

5. http://www.selfgrowth.com/  More free resources on self-improvement

6. Udemy – the site to find classes over 3,000 different courses and classes – some free, many for less than $20.  I have taken courses on Udemy for over a year  – great as a gift around the holidays too.  Or use this link for more technical courses

7. Naked Zebra is a clothing company mainly geared at the young’ish crowd, but I love their jacket and handbags and I found a couple of neat summer tops.  They also have graduation party dresses.

8. Books, toys, furniture, gifts – this store has it all – Indigo is one of my top place for books.

9. Get gift cards for your online activities: earn points when you shop, watch videos, search the web or answer surveys.  Points can also be redeemed for cash through PayPal.

10. Send flowers to your loved ones, including yourself.

11. Tutorial to start your blog

12. Find what you need on Amazon

 

A Home Equity Line of Credit (HELOC) What You Need to Know Before you Get One

What you need to know before you get a Home Equity Line of Credit (HELOC)

home equity line of credit (HELOC)

How I wish I knew then what I know now about a home equity line of credit (HELOC), also called Equity Line.

Marguerite Tennier (makesenseoflife.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com and amazon.ca

If you are thinking about getting a Home Equity line of credit, “just in case”, read this and thank me later.  A word of warning: a Home Equity Line of Credit is not play money and it’s not a savings account.  It’s a potential debt.

The greatest advantage of a line of credit is that it usually has a much lower rate of interest than a credit card.  A line of credit is a useful product if you have a business – A business line of credit is a financial instrument typically used for an organization’s short-term working capital needs, such as inventory purchases, future project costs, or company payroll. Lines of credit are mainly to help even out the organization’s cash flow.

Then there is the personal line of credit, often called a HELOC or Home Equity Line of Credit.  This type of line of credit is secured by the equity in your house.  (This is the type I got, more of that later).  Another name for it could be “second mortgage”, but nobody at the bank ever uses that term. Continue reading “A Home Equity Line of Credit (HELOC) What You Need to Know Before you Get One”

3 Things You Must Know To Save Money (And Grief) Before Buying A House

3 Things You Must Know To Save Money (And Grief) Before Buying A House

buy house, house buying mistakes, mistakes when home shopping, home buying, how to save money when buying a house

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Buying a house is the biggest expense you will ever have.  Not only thousand of dollars, but hundreds of thousands.  Unless you live in a small town, it’s very unlikely you can find something under $150,000, for  a condo, more likely well over $200,000 for a single family home.  In many cities the cost of the average home is over $400,000

I was totally clueless when I bought my first house.  I was lucky.  The price of houses then was not what it is today and I used some inheritance money to have more than the 20% downpayment.

Fast forward a few years and I made huge mistakes when buying another house.  Check this previous post on the subject of big money mistakes.  I made a bad decision and unfortunately neither the real estate agent nor the lending institution gave me advice.

Hopefully I can save you some grief.  Here are my top 3 recommendations for when you buy a house.

PROJECT: BUY HOUSE 101

  • Have at least 20% as a down payment.

  • This will save you paying the lender’s mortgage insurance (LMI), an amount that is added to your mortgage – and amortized over years, with interest.  Yes you could pay it in advance, but why not put that extra 2.8 to 4.% (at least $9,000  or so on a $300,000 home) on the down payment.

This will not only save you from paying the insurance, plus interest on the insurance but will also reduce your monthly payments.  Yes you will pay interest for the length of your mortgage on that insurance, so it will probably cost you over $10,000 in interests)  Ouch! Ouch!

I know it’s not easy to save that kind of money.  But if saving load of money is important for you, then do everything you can to succeed.  Live in smaller quarters, share an apartment, live frugally, postpone buying a car.  Remember why you are saving and how much money a sacrifice today will save you tomorrow.

Make extra payments

  • You know that money you save by having 20% down and saving the cost of the insurance+ interests on said insurance?  You can now put that money aside and either add it to your monthly payments or once a year make an extra payment that will go directly to lowering the principal you owe.  Because, as you may have seen if you looked at a mortgage amortization graph, the first few years of mortgage payments go mainly to paying the interest, with a few dollars only to the principal.  If your mortgage is $100,000 , at 6.5% over 30 years,  total payment $632., your first payment would go mostly to paying interest ($541.) and $90. toward reducing the amount borrowed.  When you make your last payment, about $3.00 remains on the interest to be paid and $540 will go to the amount borrowed.

Bottom line: it pays to increase your monthly payment  by a few dollars or make an extra payment a year – in this example, increasing the monthly payments by about $70. can save you $50,000 in interest – that’s big money – because it would shorten the term of your mortgage from 30 years to 23.

If your bank does not allow larger monthly payments, most lenders allow you to make an extra payment every year on the anniversary date.  This will also save you tens of thousands of dollars.  If your house cost 3 times the example I used,  then you can save 3 times as much with extra payments.

Even if the interest you pay on the mortgage is deductible, up to a certain amount, it is not as good as not spending the money to start with. Keeping the money in your pocket is better than getting a deduction after you spend it.

Don’t buy mortgage insurance, buy this instead

Finally, don’t buy mortgage insurance.  Yes you need insurance to cover the mortgage should you or your spouse die, but mortgage insurance is not the way to go because the amount that is insured goes down as you pay down the mortgage but the payments remain the same.  Declining benefits and possibly higher premiums.

Mortgage insurance premiums are usually higher than those for life insurance – all other things being equal – and not only that, if you change lender you will need to take a new policy, at a higher premium, because you are now older, and if you have health issues, you can be refused or charged such high premiums that it may not be possible for you to proceed with the purchase of the house.

A better alternative is to buy term life insurance.  A term life insurance is portable and will remain in force if you switch lenders or sell the present house and buy another.    This insurance will pay out the full amount whether the insured dies in the first year or in the 27th year.   If you buy term life insurance, once you are accepted and have disclosed any health issue you may have, you are in.  Most terms will cover you until age 65 without a hike in premiums

A final warning about mortgage insurance sold by your bank.  There have been horror stories when the bank refused to pay because they do the underwriting (looking at whether you qualify or not) at claim time.  Any small error on that quick at the bank application form and you are toast, or your family is if you are the dead one.

 

Finally, last but really first to do before home buying: educate yourself.  The state or province where you live may have different laws that affect borrowing, interest, taxes, etc. Go speak with your bank, or better talk to a mortgage broker (they get you the best rates), speak to an insurance agent and ask questions until you are clear that you understand the implications for each choice, read about the different kinds of mortgage – open vs closed, fixed vs variable – Don’t be intimidated into buying any kind of product, or house.  Wait until you are ready and feel confident with your choices.  Related reading

Remember that those who want to make money either selling you a house or lending you money don’t necessarily have your best interest at heart.  Do your homework.

Marguerite

 

 

Quick, Easy Ways to Save Money

HOW TO SAVE MONEY: Quick, Easy Ways

 

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It’s easy to find occasions to spend money but occasions to save money are all around us too.  They just need a little more work because they are not publicized as much.  Here are a few fairly easy ones I used this week.

But first, think about something you really would like to do, either a trip, buying your first home, taking an art class and direct some of the saved money into that special project saving account.  It’s not just about not spending. It’s about putting your money into something that really means something for you.  That’s the reason you want to save money.

Wash with cold water.   Unless you are washing very dirty, oily clothes, using cold water to wash clothes works just fine.  Easier on your clothes.

Use less soap than what the laundry detergent box says you should.   Most of the clothes we wash – except for work clothes and some kids’ just need some refreshing.  Using less soap is also kinder to the fibres in clothes.

Install-use the clothesline.  I washed flanelette bedsheets this week and within 2 hours they were dry and smelling of Spring.  Your clothes dryer is one of the worse energy vampires in your home.

Hem those jeans, sew that button.  If need be, take a basic sewing class. Doing those small repairs saves money and time.  It will serve you well.

Bake that cake.  I baked a Queen Elizabeth cake yesterday.  I figure it cost me about $5.00 including the cream-butter-brown sugar caramel I drowned it in.  Same cake at a fancy pastry shop: at least $20.  As a bonus I reduced the amount of sugar used, so less calories and I added cranberries for some fibre.   Time needed prepare the cake: about 15 minutes.

Go for a walk and do body weight exercises.  I went for a long walk along the river on Friday.  The weather was gorgeous – beautiful Spring day.   Got some vitamin D from the sunshine, walking is weight bearing so good for the bones.  Used free weights at home for upper body strength training.  No gym membership needed.  Exercising in nature is also a great way to boost the mental well being.

Make coffee at home instead of using Tim’, or Second Cup, Starbucks or Bridgehead.  Buy the best coffee and brew it at home.  I save at least $58 a month by avoiding coffee shops, except once or twice a month when I treat myself to coffee on the patio.  If you usually buy specialty coffee and something to eat, calculate how much you could save by preparing your own treats at home (see above: learn to bake).  I know people who regularly spend around $200 a month on coffee and donuts!!!!! That’s almost $25,000 over 10 years!!! In coffee and donuts.  Insane.

Happy Easter

Marguerite

Swagbucks to save and make money

Find some great books to learn cooking and sewing

Money management resources

6 Tips To Make The Best Use Of Your Income Tax Refund

This post may contain some affiliate links.  See my full disclosure here.HOW TO USE YOUR INCOME TAX REFUND

This is income tax season and many of you may be waiting for your income tax refund cheque. (If you owe the government money, stay tuned, I’ll bring it up in a post soon).

Money does not grow on trees – well paper does – but you can make your money grow when you use these tips.

It’s so tempting to think of the income tax refund as play money.  The tighter the budget, the greater the temptation, but I beg you to look at ways you can make that money work for you.

You’ve all heard how it’s not how much you make but how much you save and it’s absolutely true.  Spending more or as much as you make will leave you penniless and possibly homeless.

We women outlive men.  We women usually earn less than 75% of what a man earns.  The chances you will find yourself widowed or divorced are greater than the chances you will win at the lottery.  Women make up a large percentage of the poor after age 60.  Being poor in retirement sucks.

Before you decide where you will allocate your income tax refund, look at your financial picture.  What you owe, what you own, your savings, your investments, your age, your prospect for higher income, or not in the future, etc

This is important because of at least one reason.  If you don’t  expect your retirement income to be very significant, you should probably invest in a non registered retirement plan (Roth IRA (Us) TFSA (Canada) so as not to cut yourself from government supplement at retirement.  Do consult an advisor and inform yourself as to what is best for you.  Knowledge is power.

The first tips is to pay down your debts, but do keep some money to fill up your emergency fund too if you either have no emergency fund to speak of (like if you only have a few dollars saved).  In other words, don’t put all to reducing your debt because that will leave you at the mercy of credit should an emergency happen and it would just add to more debt.

income tax refund: make the best use of your tax refund, income tax return

  • Pay your debts. Pay your credit card balance, your student loans or what you owe to your parents.   Start by paying the debt with the highest interest rate because that’s the one that steals the most money from you.  See paragraph above about saving some too, even if you have debts to pay.
  • Fill up your emergency fund.  First get it to $1,000, and eventually to having 6 months living expenses.  Imagine how free you will feel if you lose your job, or have medical emergencies.
  • Start a saving account or add to the one you already have.  Emergency fund is for emergencies.  Savings is for: a planned trip, a wedding, buying a house, a big celebration, changing your car, home improvements, etc.
  • Start investing for your retirement, add to your retirement fund.  The younger you start, the better for you as you will reap the rewards of compound interest.   Match your employer’s share and invest in a IRA or TFSA. When you can no longer make money you will thank your younger self for having had the forethought of taking care of you.
  • Invest in your education.  Whether in a course to help you get ahead in your work, or classes to prepare for another career.  I invested heavily in my education as a adult and it has allowed me to change career and find work I loved.  It has also allowed me to retire early and have a home business as a psychotherapist and life coach, and finally it is allowing me to continue working with this blog.  I am a big advocate of finding work you love so whether or not you make big money, you are excited to get up each morning.
  • Start the side business you’ve dreamt of for so long.  Retirement can be for 20, 25 years.  If you have the energy and you don’t do much, you will be bored to death!!! A side business can keep you mentally and physically active well into your golden years.

Then, keep a little to:

  • Treat yourself to something you’ve wanted for a long time.  Put a limit on it, like 5% of the income tax refund is for fun, 10% max(that’s if you have a very small refund).  My refund this year is $8.34 so I’ll spend it all.
  • Treat someone you love to a a small gift, a meal.  Limit: 5% or 10% max
  • Congratulate yourself for having done what’s best for you.

Is your income tax refund money free money?  In a way, yes as it can get you to financial “free-dom” much sooner than expected.

I hope I have convinced you to take action now to improve your financial wellbeing.  If so, please let me know, and do share this post on social media to help me reach more women.

Add even more to your nest egg by earning money while shopping

Related posts: http://www.makesenseoflife.com/emergency-fund/

Getting rid of debt

 

 

If you are interested to start an online business, create a website, or a blog, check this special on affiliate marketing by an expert (I am presently taking the course).