How to Save Money During Your Renovation

Doing a home renovation is something that could cost you a lot of money if not done right, as many homeowners know without a doubt. This means that it’s important for you to know how to make some savings during your home renovations. Here are some of the ways in which you can save money during your renovation and enjoy an upgraded home without breaking the bank.

Set a Budget From the Beginning

The first thing that you should do before you start your project is to set a budget to work with. This will help you to get a good grasp of how to handle things and enable you to know what you need to do. With a solid budget, you will know how much money you can spend at each stage of your project. You will be less likely to splurge where you don’t have the luxury to and cut back when the expenses start to get overboard. You will therefore have a better chance of completing your project on schedule and with less hassle than if you had to find a way to get extra money along the way.

Research Before You Start

Another important thing that you should do is to research the project that you want to do before you begin. When you go in with information about your project, it may be easier for you to complete the project with a reasonable amount of money. With thorough research, you may also be able to find cheaper alternative ways of doing things and not have to stick to an expensive method. For example, you can find out that new windows can lower your energy bills. The United States Environmental Protection Agency estimates that, depending on where you live, you can save up to $501 each year by replacing old, single-pane windows with brand-new models approved by Energy Star.

Shop Around

Next, rather than settle for the first contractor you come across or buy your materials from the first store that you find, you ought to shop around. This will enable you to get a good idea of the industry average. You will be better placed to tell if a deal is just right, or it’s too good to be true. This way, you could save a reasonable amount of money as you won’t settle for the most expensive options of getting things done. You will enjoy solid workmanship and good materials without having to pay a premium price.

DIY Where Possible

If you consider yourself to be a handy person in general, you should consider DIYing part of the project. For example, if your project involves demolition or cleanup, these are things that you could plan to do yourself. If your project is installing solar panels, for instance, you can do the cleanup after the installation has been done. This is one project that you may be keen on doing yourself, with the average cost of PV panels, according to the United States Department of Energy dropping over 60% since 2010. The cost of getting solar electric systems also dropped by 50% since then, so this is a popular project that has good reason to be on your to-do list.

Work With Experts

Finally, while this last tip may sound counter-productive, it’s actually a good one. Working with experts may cost a bit more but you will have the assurance that your project is done well. Something like a roof replacement, which, according to Forbes, can return about 60% of its value in a real estate transaction, is an example of a sensitive project. Having an expert do it and get it right the first time will save you from costly do-overs that are inevitable if you have a shoddy job done.

Keep these tips in mind and you may save reasonable amounts of money during your home renovation.

Mistakes to Avoid as a New Small Business

Starting a small business can be a thrilling, life-changing event. It allows you to be in charge of your career and make something that could benefit both you and your community. However, some people go into it without knowing exactly what they should do. This results in a lot of mistakes. Here are some of the most common mistakes to avoid as a new small business.

Ignoring Digital Security

These days, a lot of work is done online. This includes everything from storing employee information to taking payments on a customer’s credit card. This information is extremely personal and needs to be stored securely. If someone gets into it, they could steal it and wreck the lives of the people it actually belongs to. When you ignore digital security, you don’t consider things like encryption and security programs. According to Verizon, small businesses make up 28% of data breach reports. A data breach can destroy your customers’ trust, so you want to avoid it as much as possible. Pay for effective digital security from the beginning.

Doing It All Yourself

You might be tempted to do everything yourself in order to save money. However, there is only so much time in the day. You won’t be able to get it all done and your business and well-being will suffer as a result. As you budget for your business, try to delegate tasks as much as possible. This will allow you to focus on the parts of your business that make money without letting the other parts slide. The amount of delegating you can do will depend on how much money you have, but even some help from the start will make a big difference.

Partnering With the Wrong People

Whether you’re looking for a business partner or an investor, you should be careful who you work with. It can be tempting to go with the person who will bring in the most money, but you also want to make sure that they are honest and that the two of you are a good fit. If you have a dishonest partner, they might embezzle money. Embezzling is a white-collar crime where someone mismanages the financial assets they’re in charge of. They then use that money for unauthorized things. If you find that your partner is embezzling funds, it could ruin your business. So make sure that you only work with people that you know and trust.

Ignoring Online Marketing

Some small business owners think that the internet is a waste of time. In fact, 10% of small businesses don’t invest in marketing at all. They want to focus on local customers and what’s happening in person. However, even if you’re not selling online, you should incorporate online marketing into your business plan. Social media and good SEO will make you visible to significantly more potential customers than physical advertising will. It can also connect you with a younger audience who does much of their research and shopping online. You don’t need to be over the top with your online marketing, chasing trends and spending a lot of money. Instead, focus on a few things you can do to boost your online presence and alert people to your small business’s existence.

Not Making a Business Plan

It might be tempting to just jump in feet first and make it all up as you go. However, you should never do this. Having a business plan from the beginning will help you figure out how much money you have and how well the business is doing. It also gives you the steps to take if something unexpected happens. Before you open your doors, set up your business plan.

Starting a small business takes a lot of time and resources. You want to be sure that you do it correctly from the beginning. Keep these mistakes in mind and make sure that you avoid them.

5 Tips for Saving Money on Car Repairs

Saving money is always an important goal. There are ways to save money on everything, including saving money on car repairs. These five tips will help you to easily save some money on your next car repairs.

Start With a Good Maintenance Plan

If you want to cut costs on car repairs, the easiest way to do that is by taking good care of your vehicle. A good maintenance plan can help you to avoid costly, unexpected breakdowns. Regular oil changes, replacing parts before they fail, and being proactive with maintenance is the single best way to keep costs down.

In 2020, there were about 234,700 auto shops, many of which provide maintenance services, according to the U.S. Census Bureau. There is a shop near you that can help you manage maintenance. It is less expensive to have maintenance done than it is to make repairs.

Invest In Good Insurance

Sometimes you must spend money to save money. Getting good auto insurance coverage can pay off if you are ever in an accident and need repairs. For example, if you live in Texas and get into an accident, you may be equally responsible for the costs. According to the Texas Department of Insurance, if a driver is found to be more than 50% responsible for an accident, they will need to ante up and cover costs. Texas is a “shared fault” state. Repairs can run into the thousands after a car accident. Get good insurance to protect your investment and your finances.

Use a Local Mechanic For Repairs

About 75% of repairs are done by locally owned independent mechanics while only 25% of repairs are done by dealerships, according to Car And Driver. Why? That is a simple answer. Local mechanics are cheaper than going to the dealership. You can save money on auto repairs by finding a reputable local mechanic.

Learn How To DIY Some Repairs

Not every car repair requires an expert. A great way to save money on car repairs is to learn how to do them yourself. There is so much information online about how to manage car repairs that anyone can make basic repairs on their own.

A little DIY can go a long way when it comes to stocking up on savings. With some basic tools and the right parts, you can easily do some car repairs on your own. If making your own repairs is off the table, the next tip may be the right one for you.

Buy Your Own Parts

A good way to shave off some of the cost of professional car repair is to bring your own parts to the mechanic. Retail costs for auto parts can be marked up as much as 5,000%. Buying parts online or even from a salvage yard can drastically cut the cost of parts. Check with your mechanic to see if they will let you purchase your own parts. Most will. If they do not, consider switching mechanics. The cost saving of making your own part purchases can be significant.

Some Final Tips

Before you agree to a large repair bill, ask for a discount. Negotiate the costs. Most people do not realize that they can negotiate costs with a repair shop. You can, and you should. If the cost is still too high for you, consider a second opinion. You do not have to accept the cost of repairs based on one shop’s opinion. Mechanics often vary widely in their pricing. You can save money by asking for estimates from several different mechanics.

Finally, saving money on repairs comes down to putting a little extra effort in on your part. Sticking to a maintenance schedule, doing some of the work on your own, and making smart decisions about insurance and who it is that will make repairs, all fall on you. The extra effort can add up to hundreds of dollars in savings. Make the effort.

Keeping Your Commercial Drivers Safe Will Save Your Business Money in the Long Term

As a business owner, you most likely already know that one way of growing your business is lowering your overhead costs. One area in which you can lower costs and save money is with commercial drivers. Read on to see how you can make savings by keeping your commercial drivers safe whenever they’re out and about.

Fewer Accidents Mean Fewer Garage Costs

Apart from the more serious case of having a driver getting injured or suffering a fatality while on the road, damage to your vehicles is also a concern if an accident occurs. It goes without saying that if your commercial drivers know how to stay safe while on the road, there’s a lower chance of winding up with auto garage expenses.

One of the easiest ways to ensure that your drivers are able to stay alert and drive safely is to give them enough time to rest well. Hire enough drivers so that they can split shifts and get enough time to rest and come back to duty fresh and ready to get behind the wheel. After all, 30% of all commercial vehicle accidents are due to driver fatigue.

There’s a Lower Chance of Damaging Property

When your commercial drivers strive to stay safe on the road and succeed in doing it, they have a lower chance of damaging other people’s vehicles and property in an accident. This saves you from having to spend money on paying people who have had their property damaged by an accident involving one of your drivers. This includes vehicles and more that may not be covered by your insurance coverage, whose premiums may go up if your commercial vehicles are labeled as prone to accidents.

You Avoid Costly Lawsuits

Road accidents often result in lawsuits, which, apart from being very time-consuming, can also cost a lot to see through to the end. It, therefore, goes without saying that you will make considerable savings by staying out of court. If you put your drivers’ lives at risk, a lawsuit could also come from them and this won’t make things any better. Prevention is better than cure, so training your drivers regularly and ensuring that they are operating under safe conditions is well worth the time and money you spend on it.

Throughout the transportation network, almost 12 million trucks, vessels, rail cars, and locomotives are used to move goods. With so many vehicles operating on the network at any given time, it’s all too easy to have accidents and incidents that range from moderate to serious. Minimize the chances of any of them involving your drivers and you may not have to suffer through a lawsuit.

You Improve the Reputation of Your Business

Finally, when you have a low accident rate and your commercial drivers don’t make the headlines for negative reasons, this is a plus for the reputation of your business. Remember that it’s not always a driver’s fault when an accident occurs, but this detail may not matter much to third parties who hear about your drivers getting involved in car accidents.

For example, according to a study by Knott Laboratory on commercial vehicle towing accidents, a 35-mph crosswind can put a whopping 3,440 pounds of force that pushes against the side of a large trailer. This is enough to make a capable driver lose control of the vehicle. To avoid scenarios like these, you should desist from putting your drivers on the roads in severe weather. With a lower accident score, your business may enjoy a stellar reputation that sees more people eager to do business with you.

In these ways, keeping your commercial drivers safe can help you save a lot of money in your business. This should motivate you to do your part to make sure that your drivers are safe from the moment they set out to when they get back and call it a day.

What Is Helping Your Family Budget and What Is Hurting It?

Having a family budget is one of the best financial management steps that can make you financially successful. Nonetheless, you must understand how to go about the budgeting process and identify what is good and bad for it. This information can be pretty overwhelming, but this article will paint a clear image of handling your family’s budget in the best way possible. That starts by understanding what is good for your pocket and what hurts it.

Understanding Your Home’s Expenses

It is critical to understand how much you spend and what you spend it on. Careful spending is one of the best practices you should embrace to ensure your finances last to cater to all your needs. Some people think that failing to spend money on essential matters helps them financially, but that is not true.

There are some expenses, such as home renovations, that you should never ignore. Windows are among the critical parts of a house, especially regarding energy saving. Fortunately, replacing single-pane windows with double-pane windows can save you up to $465 annually.

Consider Getting Insured

There is a reason why, as a homeowner, you are advised to get appropriate insurance and ensure it is valid. Home insurance will cover the cost of damages in fire accidents, floods, and other disasters. Motor insurance will help you maintain your vehicle’s condition, handle the necessary repairs, and replace it if damaged beyond repair in an accident.

Lack of such insurance may only lead you to spend more. If your car is not insured, you may spend between $200 and $300 to replace its windshield. Over time, a couple hundred dollars here and there add up tremendously.

Budget Together

One of the best ways to have a clear and viable budget is to go through the process with your spouse and family. Such collaboration will help you know how much you can both contribute to your financial needs. Consider splitting your residential financial requirements. For example, you could be the one to cover the cost of groceries while your partner handles your kid’s school fees.

Focus on the Most Important Necessities

Starting with what matters most is a critical consideration. Some people focus on saving that they forget some of the necessities they should prioritize. Your budget should first cover the four crucial basic needs. Your top priorities should be shelter, food, utilities, and transportation. Once you’ve satisfied these, you can assess how much disposable income you have left to save or invest.

Consider a ‘Staycation’

Going for family trips and vacations is critical and has many benefits, but such journeys can adversely affect your budget if you are not careful. Financial experts recommend sourcing for local vacation spots instead of spending thousands of dollars traveling to distant places. Plane tickets to foreign countries alone can cost several thousand dollars.

Besides covering the transportation expenses, you will be required to pay for accommodation, which can sometimes be costly, depending on where you choose to spend your vacation. Timeshares have gained popularity today, but you should know that spending one week on a timeshare can cost $21,455. That is a substantial amount you can put to better use by foregoing such an expensive vacation. Instead, you could invest it and watch it grow, help eliminate student debt, and more.

What Can Hurt Your Budget?

Lack of Savings

Sometimes it can be challenging to save money, especially when you are on a tight budget. That said, it is recommended to embrace a saving habit regardless of how tight your budget is. Savings are the best ways to prepare for the future.

Many Debts

Debts, majorly high-interest ones, will negatively affect your family’s financial health. Acquire loans only when it is inevitable and ensure you work with a lender with lenient terms, including their loans’ interest rates.

Lack of Emergency Funds

You are not immune to things going wrong, such as your vehicle breaking down, getting sick, or your HVAC system becoming non-functional. These events will need money to get things back to normal. You should ensure cash in your emergency savings accounts to handle such situations.

Having a budget is a wise idea, but you should also know its dos and don’ts, as explained above. The critical thing to help you create a reliable budget is avoiding unnecessary expenses. Some homeowners assume that they can replace their furniture just because they have money, even if the current ones are still in good condition. That is a careless expenditure that can significantly hurt your financial health. If you can resist the impulse to gild the lily and spend unnecessarily, you can literally set yourself up for a long life.

Revamping your Home on a Budget

Everyone deserves to live in a comfortable and stylish home, but not everyone has the budget to update their space constantly. If you’re looking to revamp your home on a tight budget, there are plenty of creative ways to do it. With a little time and effort, you can completely transform your space without breaking the bank. Here are a few tips to get you started.

1. Invest in Landscaping

Adding lush plants and beautiful landscaping to your front yard or backyard is a great way to improve the overall look of your home. Not only will it make your property look nicer, but it can also increase the value of your home (by up to 14%) if you ever decide to sell. If you don’t have the time or resources to take on a full landscaping project, try adding a few simple plants or flowers instead.

You can also add some character to your home by installing a garden or pond. Gardens can be a great way to enjoy the outdoors, and ponds can add a touch of elegance to any space.

2. Paint the Walls

One of the simplest and most affordable ways to update your home is to paint the walls. A new coat of paint can brighten up any space, and it’s a project that you can do yourself if you’re handy with a brush. Choose a color that reflects your personality and style, or go with a neutral shade that will complement any decor.

If you’re unsure which color to choose, try using a paint swatch to find the perfect hue. Once you’ve picked out a color, be sure to buy enough paint to cover all of the walls in your home. It’s also important to use the right type of paint for the surface material. For example, if you’re painting drywall, use latex paint, and if you’re painting wood, use oil-based paint.

Paint isn’t the only way to brighten up a room; you can also add some new wallpaper or decals. Wallpaper is a great way to add texture and visual interest to a space, and there are plenty of designs and colors to choose from.

3. Repair or Replace Your Siding

Damaged or outdated siding can make your home look run down and neglected. It can also lead to water damage and other problems, so it’s important to repair or replace it as soon as possible.

Siding comes in various materials, including wood, vinyl, and fiber cement, and each has its own pros and cons. Wood siding is the most expensive option, but it can be painted or stained to match any color scheme. Vinyl siding is the most popular type of siding, and it’s affordable and durable. Fiber cement is a good option if you’re looking for a sustainable material that won’t rot or decay. You’ll also be able to recoup as much as 76% of fiber cement siding costs when you sell your home.

Consult a professional contractor if you’re not sure which type of siding is best for your home. This will save you a lot of money now and in the future.

4. Invest in Pest Control

According to a recent ConsumerAffairs poll, ants are the most problematic pest, followed by spiders and cockroaches. These creatures can be a nuisance, and they can also cause damage to your home. Some pests, like termites, can even eat through wood and drywall, so it’s important to get them under control as soon as possible.

There are various methods for pest control, including chemical treatments, traps, and heat treatments. It’s important to choose the right method for your home and budget. If you’re unsure which method is best for you, consult a professional exterminator.

There are several ways to update your home on a budget. These are just a few of the most popular ones, so be sure to explore all of your options before making a decision. By investing the little money you have now in your home, you’ll increase its value and make it more comfortable and inviting for you and your family. All the best.

5 Tips for Opening Your Own Franchise Business

Opening a franchise can be a lucrative venture if done right. If you’re thinking of opening one and becoming the newest franchise owner on the block, read on. Outlined are five tips to use to open your own franchise business successfully and make good money from it.

1. Work With Professionals

From the very first step in your franchising journey, you need to work with the right professionals. Seek the services of an expert attorney who has experience with issues in the franchising sector. They will help you uncover more information than you could have found if you worked by yourself. They can also advise you on the steps to take and what to do in case you come across an issue. They will share with you information such as the fact that you need to obtain the franchise disclosure document or FDD before you open a franchise. You will use this to help you research the corporation you want to invest in so you know everything that there is to know before you commit your time and money, and a good advisor will help you with this.

2. Think About the Location

With a franchise, the location you want to open it in is an important factor and one that should precede a number of other steps. If you choose the wrong location, you risk experiencing losses and a number of other issues such as insecurity. To avoid all of this, think carefully about the location you intend to pick for your franchise. Visit it and find out everything that you can about it so that once you’re ready to start, you have a good idea of what it will be like.

3. Research Thoroughly

Research is key when you’re thinking of opening a franchise business. This is because it’s a sizable investment and you want to be sure that your money is put to the best possible use. While more than 90% of people will never go past the first page of search results while doing a search, it’s important for you to go as far as you need to. This will help you uncover any hidden results that may have an impact on the decisions you make regarding your franchise. From the specific business you intend to open a franchise, to the expected returns as well as the current condition of the market, there’s a lot to do research on as far as safely opening a franchise is concerned.

4. Get Ready to Work Hard

While you will be working under an already established brand when you go the franchise route, you still need to put in the work to get the best results. The first few years of opening a franchise are especially important ones to set the course of the franchise. Make sure to invest as much time as is necessary for these early stages, therefore, and you will be sure to reap the results in a short time. Staying hands-on will enable you to know the nitty-gritty and change whatever needs changing.

5. Write A Business Plan

Finally, a franchise business is a business like any other, and a successful business needs to be guided by a solid business plan. Take time to write one down, working with a professional if possible, and you will have an easier time realizing your dreams. With storage security and data transmission being imperative in any modern enterprise, include the details of how you will realize the best of it in your franchise.

Use these five tips to start and run a successful franchise business, making your money back and earning a nice profit as your business grows.

Why You Should Invest In Your Landscaping This Spring

Spring is a time of rebirth and growth. It’s the perfect season to invest in your landscaping and make your home look beautiful again. Here are six reasons why you should invest in your landscaping this spring.

1. It Enhances Curb Appeal

When it comes to improving your home’s curb appeal, landscaping is one of the most effective tools at your disposal. By carefully selecting plants, trees, and shrubs that complement your home’s architecture, you can create a coordinated look that will impress. In addition, strategic landscaping can help to disguise problem areas and highlight your home’s best features.

Moreover, well-chosen plants can also provide valuable benefits, such as reducing noise pollution, providing shade, and attracting wildlife. In other words, landscaping is not only aesthetically pleasing, but it can also improve your quality of life. So if you’re looking to boost your home’s curb appeal, landscaping is a great place to start.

2. It Adds Value to Your Home

According to The Florida Nursery Growers and Landscape Association, landscaping can add up to 14% to the value of your home. This is because a well-maintained landscape is seen as a sign of quality and care, both by potential buyers and appraisers. In fact, many buyers are willing to pay a premium for a home with well-manicured landscaping.

Consider investing in your landscaping if you’re looking to sell your home soon or simply want to get the most out of your investment. A beautiful landscape will not only increase the value of your home, but it will also help you close the sale and make you money faster.

3. It Keeps Your Home Cool in the Summer

One of the best ways to keep your home cool during the summer is by installing a well-maintained landscape. By strategically placing trees, shrubs, and plants near your home, you can create natural shade and insulation. In addition, well-maintained landscaping can help prevent wind damage and reduce the amount of moisture entering your home.

All of these factors can help keep your home cooler in the summer, which can lead to lower energy bills. So if you’re looking for a way to save money on your energy costs, landscaping is a great option.

4. It Is Therapeutic

According to a recent survey, 42% of those who garden at home report feeling healthy and happy. This is because gardening is a therapeutic activity that can help to reduce stress and promote relaxation. In fact, many people find that gardening is so therapeutic that they do it for recreational purposes.

If you’re looking for a way to relax and de-stress, consider investing in your landscaping this spring. A beautiful garden can be a great source of relaxation and peace of mind.

5. It Can Help Control Soil Erosion

One of the biggest problems facing homeowners today is soil erosion. This is when the top layer of soil is washed away, leaving behind a barren and damaged landscape. Soil erosion can be caused by various factors, such as wind, rain, and flooding.

Fortunately, landscaping can help to control soil erosion by stabilizing the soil and preventing it from being washed away. By planting trees, shrubs, and plants in strategic locations, you can create a natural barrier that will help to keep the soil in place. In addition, well-maintained landscaping can also promote healthy plant growth, which will help stabilize the soil further. If you’re concerned about soil erosion, consider investing in your landscaping this spring.

6. It Gives an Opportunity to Try New Things and Save Money

Spring landscaping allows for a great opportunity to try new things. If you’ve been considering adding a raised garden using wooden pallets, this is the time to do it. However, remember to be careful when working with them; an average wood pallet has approximately 100 nails.

The money you invest in your landscaping this spring will pay off in the long run. Not only will a well-maintained yard increase the curb appeal of your home, but it will also help to keep your property values high. A beautiful landscape can also provide a place for you and your family to relax and enjoy nature.

What to Know Before Investing in Small Businesses

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Investing in a business startup may seem like a bad decision, especially because 29% of small businesses fail when they run out of capital. However, business entities at the startup phase pose a unique opportunity to expand your wealth. Small companies can give more returns than big and established companies. Nurturing and growing small businesses should be a core focus for anyone looking to build long-term strategic assets. In this piece, we will look at some important things to note before investing in small businesses.

Research is Imperative

Ideally, you should only invest in a business you have a good understanding of. An important document to request is the loss and profit statements and the marketing and business plans. Ask to see the audited accounting records of the firm for the past year, as this will help give you a clear idea of the cash flow of the company. Also, you need to review the sector the business operates in and find out the level of volatility associated with it. You should know how easily the business will scale if you invest in it.

Interview the Owners

Before you invest in a small business, you need to determine how much experience the founders have in that line of business, especially as it affects customer and personnel management. Enquire how much equity they have in the business because you don’t want to invest in a business where the founder has little financial input. Also, you may want to conduct a background check on the core staff, and if they don’t cooperate in this regard, that is a red flag.

If a small business is requesting capital investment, find out if they have a spelled-out plan on how to use the money. Also, find out if they will be requiring for than financial investment from you and also how many investors they are targetting.

Check the Financials

Currently, there are 46,000 accounting firms in the United States, and you can engage any of them to carry out a financial audit of the firm you want to invest in. A serious firm should be able to prove to the investor that their financial goals can be met when they partner with the company. If the company has been operating for a while, it should be able to prove a track record of excellent financial performance.

A Clear Structure

Buying into a company comes with some legal requirements, and you as an investor should be sure the company has considered that. A good company should have a solid business structure that allows interested parties to buy into it. Also, as an investor, will you have a say in the business decisions taken by the company? Furthermore, there should be a clear valuation of the firm so that if you are investing $50,000 at a 10% share of the company, you should be sure the company is worth at least $500,000.

Ideally, you should have a stockholder’s agreement that spells out each owner’s rights, obligations, and limitations. Also, if there is a plan for the distribution of dividends, there should be a plan of how often, how much, and what happens if that distribution can’t happen.

Integrity

Small businesses usually tend to give big returns on money invested, especially if they are well managed and funded. Understanding certain things such as the numerous types of relief you may get for business torts such as punitive damages, compensatory damages, and injunctive reliefs can help prepare you for eventualities. Also, carrying out a background check, and confirming their structural and personnel integrity, among other factors, are important before you invest.

5 Subscriptions You Need to Cancel Right Now

 

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We’ve all accidentally wasted money before. It’s quite a common problem in America. Between advertisements covering every Internet page, credit card conveniences, and the power to order anything to your door at the push of a button, it’s no wonder that so much of the average American’s income goes towards subscriptions to different services. Considering how quickly subscription costs can build up, this blog post will outline some subscriptions you should monitor closely or cancel right away.

Microsoft Office Software

Microsoft has recently opted for a subscription-based model instead of their conventional “pay once and use it for life” sales model. Instead of paying for a monthly subscription to Microsoft 365, utilize Google’s free alternatives to Microsoft software. Google Docs can replace Word, Google Slides replaces Powerpoint, and Google Sheets replaces Excel. With a free Google email and an internet connection, you can trash your old Microsoft software right now.

Multiple Food Delivery Apps

If you signed up for a free trial of Grubhub Premium, you are probably still paying for it. Ubereats +, Dashpash, and other food delivery upgrades offer perks like free delivery, but can easily be forgotten about when you don’t order often. Limit your food delivery to one app if you want to get a premium subscription to avoid fees.

The Adobe Suite

If you are paying $600 a year to open Photoshop or Lightroom a few times a year, then it’s time to cancel. Similar to Microsoft, Adobe has adopted an “all-or-nothing” approach to its software. If you aren’t opening these apps at least three times a week, consider the many free alternatives out there. GIMP and Krita serve as excellent Photoshop stand-ins, and Sejda can replace Adobe Acrobat, all for free.

Old Website Domains

With close to 900,000 domains being registered every week, there are tons of abandoned URLs still being paid for. If you had a website a long time ago, or used an interactive website for a portfolio in college, make sure you aren’t still paying for the domain name. Domain prices can rise or fall with the years, so ensure you aren’t throwing away money on some inactive site from 2010.

Streaming Services

This one may be the hardest, but it is time to kick your family off of those streaming services you never use. If you don’t use it regularly, then you shouldn’t be paying for it. Though your friends and family may mope about it, your wallet and budget log will thank you.

Before you look at your monthly budget and beat yourself up for unnecessary purchases, look into all of the current subscriptions you are paying for. Anything you haven’t used in the past 3 months, purge it. Don’t keep giving companies money when you don’t frequently utilize their services!