Is there really a secret to saving money? It may seem as though it is mystery how your bank account ends up empty every month but there is no mystery to it. While it may be no secret there are three important tips you can follow to help you put more money in your pocket. The challenge is to follow the tips in order to be successful at saving money. The rest is up to you.
1. Create a Budget
You need to know where your money is going. Once you have established where you spend your money you will be able to find places to make cuts. The first thing to do is figure out how much is being spent on housing, utilities, groceries, debt, and entertainment. Once you know where the money is going you will be able to set limits for problem areas. This is the money that you will apply to secret #2.
2. Pay Yourself First
This is a huge secret, pay yourself first. Yes, before you dole out money for bills as soon as your paycheck hits your account; deposit a specified amount into savings. It doesn’t matter how small the amount is, at least you are saving.
Even better , create an automatic savings plan that will automatically deposit money into your savings account before you even have a chance to spend it. This can be done right through your employer’s direct deposit or with a recurring transfer with your bank.
3. Spend Less Than You Earn
If you don’t learn to obey this rule you will never be able to save money. You simply have to spend less money than you earn and there’s no way around that. If you are spending more than you earn you are borrowing money and thus putting yourself into debt.
There comes a time when families start to think about senior members moving. Factors such as retirement, finances, lifestyle, health or the distance between family members are just a few of the reasons why seniors may decide to relocate.
Moving is a big decision especially when a senior has lived in one place for a very long time. Many things must be considered, including access to health care, recreation, social activities and practical concerns, such as grocery stores, libraries, climate, etc.
Access to Quality Care
For many seniors access to health care or options for health care assistance is the primary reason for moving. When considering options it is important look at the short-term solutions, but also consider long term scenarios. Options may include drop-in help, moving closer to a family member that can assist when needed or retirement communities that offer fully independent living to supportive assistance as required.
Community Services
It is also important to research the area community services. You will want to make note of services such as homecare, cleaning services, snow removal, transportation and home repair. Some individuals may want access to volunteer organizations or senior centers where they can be involved in the community.
Support
As an older adult, moving is an especially difficult transition. Finding the support the senior needs in the new community is imperative. Groups that seniors can connect with will help the transition go smoother. Connect with church groups, home visit solutions or perhaps meetings that would be conducted in a home setting.
Here are some websites that may help you in your transition:
•Eldercare Locator
•AARP
•Elder Web: Online Eldercare Sourcebook
•American Society on Aging (ASA)
•Senior Resource Housing: Information on Housing Options
This is a Colonial style home and features 8 total rooms, 2 full baths, 1 half bath, 4 bedrooms, 1.75 Acres, and is currently available for $579,900.
For complete details click here.
Painting is one of the easiest and most inexpensive ways to change the look of your home. Getting started and knowing what to do is usually the hardest part but the following tips from Ace Hardware will help to make your painting projects easier. These instructions and suggestions can save you time and effort while helping you end up with a better-looking paint job.
PREPARE THE SURFACE BEFORE PAINTING
Take time to caulk all joints, cracks and seams in the surface before painting (see image). This is easy and quick with a caulking gun and caulking cartridges. Don’t start painting until the caulking is finished and thoroughly dried.
Before painting windows, check around the window panes for loose or missing putty (see image below). Replace the putty in these areas before starting the painting job. Use a good grade of putty and apply it according to the manufacturer’s instructions.
Always clean the surface to be painted. Use a wire brush, sanding block or power sander to remove loose paint and grime before applying the primer coat. If you try to cut corners and save time by failing to clean the surface, you’ll likely end up with trouble later.
Fill in any cracks or large holes appearing on the surface with wood putty before starting the painting job. The putty should have the texture of paste, as illustrated. Allow time for the wood putty to dry before applying the primer coat.
Use a special V-shaped putty knife for puttying along a window sash . This special tool is inexpensive and helps you do a professional-looking job much faster and easier.
If you need to remove a heavy build-up of old paint, use a propane torch to help make the job faster and easier. A wide-mouth burner tip is available to spread the flame over large areas. Use a long-handled scraper to keep your fingers away from the heat as you work.
Use your power drill for smoothing rough spots before painting. Purchase a sanding wheel drill attachment to make sanding much easier. A wire brush attachment for your power drill is an excellent tool for removing rust and scale from metal.
Use plastic or paper drop cloths to cover sidewalks, shrubbery or other areas needing protection before you start the painting. Use drop cloths to cover floors, furniture, etc., for indoor painting. These cloths are inexpensive and save you a lot of clean-up time.
PROVEN PAINTING POINTERS
Thoroughly mix the paint. Pour off, into another container, any thin portion of the paint that is floating on top. Use a paddle to stir the paste settled in the bottom of the can. Stir in a small amount of the thin portion of the paint and use the paint paddle to stir with a figure eight motion. As you stir, gradually mix the thin portion back into the main paint can. Finally, pour the paint back and forth from one container to another. This will thoroughly mix the paint and bring it to the proper thickness for application.
Save a lot of clean-up time by lining your roller tray with a plastic tray liner. If you do not have a plastic liner, use aluminum foil. Press a large piece of aluminum foil tightly against the sides of the tray. When you’re finished painting, you can simply remove the aluminum foil and throw it away. This leaves little or no clean up.
Use masking tape where two paint colors come together for a much neater job. Apply the masking tape at the point where the two colors join. Then remove it when the paint is dry for a much smoother joint between the two colors than what you would get by free-hand painting.
When you’re painting corners, always use the flat side of the brush. Painting with the side of the brush causes “fingering.” Your paint job will be neater and your brush will last a lot longer when you use the flat side of the brush, as illustrated.
CLEANING UP AFTER THE PAINT JOB
Special waterless hand cleaners remove both latex-base and oil-base paints easily and quickly. These waterless hand cleaners will not irritate your skin like many solvents. Wipe the paste-type cleaner on your hands, wipe it off and the paint will come off with it.
Take care of your brushes by cleaning them carefully after each painting job is done and then wrapping and storing them for future use. Fold wax paper around the brush and seal it with a rubber band.
Wash latex paints out of a brush with clear warm water.
Clean brushes used with oil-base paints with regular paint cleaner or some type of solvent. Clean the brush thoroughly, then wrap it in wax paper and store it for future use.
Clean rollers in the same basic way as paintbrushes. Take time to clean them thoroughly.
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- Area churches receive Pope Saint Pius X Youth Award May 16, 2012
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- Ham and beans will be served May 18, 2012The Somerset United Methodist Church is having a ham and baked bean supper on Saturday, May 19, at 6 p.m. The supper will be held at Almy Hall, located at 841 Read St. […]
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- Diocesan priests receive papal honors May 19, 2012

