How to Save Money When Building Your Dream Home

Approximately 34% of recent buyers who purchased new homes were looking to avoid renovations and problems with their plumbing or electricity. Of course, buying a brand new home will lower the likelihood that you'll need to do any major repairs or a complete remodel. But building a home from the ground up is an even better way to get everything you want (and nothing you don't). That said, building your dream home does come with a cost. If you aren't careful, you could easily go way above budget and end up with a new home you simply can't afford. To avoid that possibility, you'll want to keep these money-saving tips in mind.

Obtain Multiple Bids

If you have your choice of contractor, you'll want to make sure that the costs they've laid out for your new home are fair. The U.S. construction market was worth around $1,162 billion in 2016, and some builders will want to charge you more than others. This isn't to say that you want to work with a contractor who offers you a price that seems too good to be true (that's a real red flag). But it does mean that you'll want to shop around and get several bids from different contractors so you can compare them. Even if you get along well with the first contractor you meet with, you should still seek out more information from others. Once you narrow down the list, ask for references and talk to those customers. Keep in mind that if the estimate is low but their former clients say they had to deal with delays or problems, you shouldn't choose that contractor simply due to their affordable bid. You'll end up paying more down the line as a result.

Communicate With Your Contractor

Before and after choosing your builder, you need to be certain that they understand your financial limitations. Everyone needs to be on the same page about what your priorities are. If your builder understands that you're looking to keep costs low (particularly on the less-important features), they can offer advice along the way about ways to save without sacrificing quality or safety. Your contractor will also be able to advise you when you should splurge a little bit more on something for long-term savings (like insulation or energy efficient features). Make sure to keep the lines of communication open and prioritize your need to be a part of financial decisions.

Keep It Small and Open

Understandably, bigger homes cost more to build. So if you're trying to save money, you'll want to keep the square footage on the smaller side. Of course, you won't want to feel cramped in your new dream home -- but if you overestimate the size you reasonably need, you could end up paying an arm and a leg for it. Another good way to keep costs low during the building process? Opt for an open floor plan. Not only will having fewer interior walls cost less to construct, but it'll also make your home a lot trendier for 2018. Most families want an open floor plan anyway, so this is a great way to get the look you want and pay less for it.

DIY What You Can Handle

We're not suggesting that you try to DIY your insulation or the entire construction of your kitchen. But if you are able to take on some fairly simple tasks, you could save quite a bit. Plumbing and electricity should be left to the professionals due to safety concerns, but if there are jobs you're comfortable with -- like painting, installing your doors, or landscaping -- suggest this to your contractor so you can save some money.

Salvage and Source When Possible

You might be tempted to buy everything brand new, but that will often cost you more. By using salvaged wood and other reusable materials, you'll be able to save some money and will add character. You may also be able to source your own materials, which can save money. Sometimes, your contractor will be able to get the best deal on paint or lumber; in other cases, you may be able to source your own appliances for less than your builder can offer. Do your research and make sure your contractor is okay with using materials you've sourced yourselves.
Building your dream home should be exhilarating. But substantial costs can put a damper on things. By following these money-saving tips, you should be able to stick to your budget and achieve the result you've always wanted.

How to Preserve a Skull

I have been collecting skulls since I started hunting and have found out that it is extremely expensive to take things to a taxidermist. Being a frugal person I have decided to start preserving my own skulls and it has been a very rewarding and cash saving experience. I am currently working on 3 more and have done a coyote and moose and they turned out fantastic! Here’s how I do it:

1. Take the head of your harvested animal and bury it completely in a space that won’t get walked on. Depending on the season and the size of your animal you may need to keep it buried for 6 months until the fur and brain matter is eaten. Another faster way to go about this is to skin the head and boil the skull to remove the meat and brain matter.

2. When you dig up your skull and discover the fur and brain matter has been removed take it out of the ground and let it soak in water, Borax and dish soap for a week. And if you used the boiling method let it cool and then place the skull in the mixture. I used a wheelbarrow in my backyard but you can use any large container that completely covers the skull.

3. Replace the old water with a half and half mixture of bleach or peroxide (many people believe peroxide is better than bleach because bleach can cause bones to brittle or yellow over time) and water and let soak for 5 days. There are other whitening products available that you can apply as well.

4. Take the skull out and give it a gentle scrub with a brush and a sprinkle of borax, rinse it off and let it dry completely. Now you can choose to paint it, carve it, or leave it natural. If the skull still smells like rotten flesh leave it outside for a couple weeks to air out and then add a couple drops of some essential oils to the brain cavity.

Where to get Birthday Freebies!

Your birthday is a day when people shower you with presents, well-wishes, and special treats. It's also a day where you're entitled to a lot of freebies from your favorite places! The simple fact that it's your birthday is enough to get you freebies that will take you from breakfast in the morning all the way to you birthday cake at night, which makes your day extra special and extra easy on your wallet. To help you take advantage of all your free birthday stuff, Wikibuy put together list of birthday freebies so you can treat yourself on your big day.

Breakfast, lunch and dinner can easily be covered with just the forethought of joining a few free vendors clubs or memberships. Starbucks and Krispy Kreme sounds like a good combo for breakfast! For lunch, try a free meal at Au Bon Pain or a slice of pizza a Sbarro. Round out the day with a burger at Red Robin or a garden entree at Ruby Tuesday, and finish with a cupcake from Sprinkles!

Fun follows with free movies, video games and treats of all kinds. But make sure you sign up early — some of these rewards require you be a member for 30 days or more. Check out Wikibuy’s infographic below to see how you can have a totally free birthday!

Quick & Easy Butter Grouse Recipe

Hunting season means lots of fresh delicious and nutritious meat to harvest and devour! I absolutely love grouse it tastes exactly like chicken it’s delicious, easy to harvest and very versatile. My favourite recipe is Butter Grouse and I love using the premise sauce with my own special twist, sometimes it’s just faster to use a prepared sauce but if your all about homemade be my guest! 

You will need: 

• 4 decent sized grouse breasts chopped into cubes
• Butter chicken sauce
• 1/2 cup mushrooms
• 1/2 a red or yellow onion
• 1/2 cup milk
• 1/4 cup sugar
• 1 tsp cinnamon 
• 4 cups rice

Start by chopping the grouse into cubes and cooking in a medium sauce pan until nearly cooked through. Chop the mushrooms and onions and add them to the pot. 

Cook them down until tender and add the butter sauce, using the empty sauce jar add the milk, sugar and cinnamon to the jar and shake to mix. This helps remove all the leftover sauce and get a nice mix going. Pour it into the grouse mixture. 

Bring to a simmer. Make your rice, I use minute rice or jasmine rice for extra flavour. Pour the Butter Grouse over the rice. Serve with warm naan bread and you have a delicious meal in 15 mins! I use this exact same recipe for chicken, turkey, and any other fowl! 

Spooky Fun with the October Shop Swago Board!

Swagbucks is hosting another round of Shop Swago! What is SWAGO you ask? It's a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. You can redeem those SB for free gift cards. If you've never used Swagbucks, participating in SWAGO is a great introduction to the site and an easy way to earn a good amount of points quickly.    

Click here to get started!  

Here’s what you need to know to get your 150 SB Bonus (and don’t worry, you don’t have to make a purchase to complete a pattern):

• Go to the Swag page and make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete.
• Once you complete the action item in a particular square the square will change color signifying the action item is complete.
• You have a limited amount of time to mark off as many squares as possible so use your time wisely.
• Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value - up to 150 SB.
• Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
• The game ends Friday, October 12th at 12pm PDT/3pm EDT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.  

Click here to get started!

Get 500 Swagbucks when you sign up in October!

All throughout October you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.  

When you sign up through me this month, you can earn a 500 SB bonus! Here's how:  

1. Sign up using this link 

2. Earn 500 SB total before Novmber 1st, 2018. You'll get a 500 SB bonus for it!  

3. That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned hundreds for Christmas presents and grocery items! 

These Tips Will Make Your Dairy-Free Diet Transition Easier

Most mothers can breastfeed their babies without incident. They can usually eat whatever they want whenever they want, without their dietary choices affecting their little ones very much.

However, some breastfed babies may show sensitivity when Mom eats certain foods. Such food sensitivities can be a huge pain for babies and parents alike. Food sensitivities can lead to vomiting, wheezing, rashes, abnormal stool, itchy or stuffy nose and colic-like symptoms.

The most common food sensitivity in infants is dairy. Milk protein allergy may affect up to 15 percent of babies. With this type of allergy, babies react not to the lactose in milk — as in lactose intolerance — but to proteins in cow's milk that may pass into human breast milk.

To determine whether your baby is having an allergic reaction to milk proteins in your diet, it's often necessary to eliminate dairy and reintroduce it later to see if the same symptoms occur. That can mean cutting out all dairy products from your diet for anywhere from a few weeks to a few months. Depending on the severity of your baby's reaction, it may be necessary to eliminate dairy until you are no longer breastfeeding.

Fortunately, most babies will outgrow food sensitivities between 6 months and 3 years of age. Sensitivity doesn't necessarily mean your baby will have a lifetime allergy, though symptoms may overlap.

Even so, having a baby who has trouble with milk protein or other foods may require you to make significant, if temporary, changes to your diet if you are breastfeeding.

Of course, you want a healthy baby, but transitioning away from dairy may feel like a drag. In the end, though, it will be worth it. Here are a few tips to make your dairy-free diet transition more manageable, for a happier baby and a happier you.

Try Dairy-Free Substitutes

If dairy has been part of your diet for a long time, it's likely your first few weeks without it will be a little tricky. Cheese, milk and treats like yogurt and ice cream can make up such large parts of our diets that you'll sorely miss them when you try to stop eating them.

To tide you over until your baby's sensitivity fades, you may consider trying out dairy-free substitutes. Today, dairy-free alternatives to cheese, milk, yogurt and other products are readily available in grocery stores — even more so if you go to a health-food store. Almond milk and coconut milk, for example, are both delightful substitutes to enjoy over cereal or in coffee.

One word of warning, though: Many babies who are sensitive to milk protein may also react badly to soy protein, so proceed with caution.

Be Wary of Hidden Dairy

Even if you avoid obvious dairy products like cheese and milk, you might still encounter dairy in some lesser-known forms. Depending on your baby, even small amounts of milk protein might trigger a reaction, so it's a good idea to familiarize yourself with some common hidden sources of dairy.

In particular, look out for ingredients like casein hydrolysate and caseinate, which you might see on product labels instead of the more recognizable "milk." Some soy cheese and meat substitutes may also contain milk proteins, so it's always best to check packages.

To make things easier on yourself, keep a digital or physical list of what products are dairy-free, so when you go to the store, you can pick up what you need without having to get out your reading glasses.

Know Your Nutritional Needs

If dairy has made up a large part of your diet until now, it's likely you'll need to fill in for some missing nutrients. In particular, you'll want to make sure you're getting enough protein and calcium in your diet.

Luckily, there are lots of non-dairy sources of calcium and protein for you to rely on instead. Collard greens, kale, broccoli and sesame seeds are all full of calcium, and beans and legumes can provide both calcium and significant amounts of protein. Explore the range of your pantry and consult with your doctor if you're concerned about getting enough nutrients.

By being mindful of your nutritional needs, you'll ensure both you and your baby feel healthy.

Involve the Whole Family

When you're cutting dairy from your diet, it can be easy to feel excluded, especially if you have other kids or a partner who is regularly eating the things you aren't.

Though you don't have to put your household on dairy lockdown, asking your family to support you in your decision can take a lot of pressure off you. You could do this by getting older kids involved and letting them help with cooking and coming up with new recipes. Or, you could plan a dairy-free ice cream sundae night.

Chances are, your family will want to support your efforts to make your baby's life healthier, so don't be afraid to voice your feelings to them.

Though you probably weren't planning on going dairy-free to breastfeed your baby, it doesn't have to be an unwelcome surprise. By doing your best to avoid dairy in all its forms while exploring alternatives and exciting new recipes, the months will fly by.

Both you and your baby will thank you when it's all over.

8 Financial Lessons For Families

When you have a family, you need to make sure you’re doing the right things with your money so that you can all live a happy, comfortable life together. Not only that, you want to make sure you’re giving your kids a healthy mindset and attitude towards money to set them up for long term success and happiness. Kids brains are like sponges, and they soak up everything you say and do even if you don’t realize it. Below are 8 financial lessons for families that can help you:

1. The Sooner You Teach Your Kids About Money, The Better

Teaching your kids about money early on will help them to understand more about what they should be doing to look after themselves in the long run. One method of doing this is by giving your kids three jars; a spend jar used for small purchases, a save jar they can us for bigger purchases, and a share jar they can use for things like charity or the cause of a loved one. Giving them pocket money is great too, but you must encourage them to be smart with it.

2. Get Your Kids Involved In Money Discussions

Involve your kids in financial meetings and money discussions so they can learn more about how it works. Just make sure you don’t argue about money in front of them, and ensure you use positive or even neutral language - negative language can set your kids up for a negative money mindset, which will do them no favours.

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3. Taking Care Of Your Future Is One Of The Most Important Things You’ll Do

Although you can purchase things you think your family will enjoy, taking care of your future is one of the most important things you can do. Looking at sources like https://theentrustgroup.com/self-directed-iras/what-is-a-self-directed-ira can help you to come up with an effective plan for your future. However, you have other options too so make sure you explore them.

4. The Way You Think About Money Plays A Huge Role In How Much You Have

We already mentioned mindset, but it’s worth mentioning again. Changing the way you think and feel about money can play a role in how much you have. Improve your mindset and you might just improve your finances as a whole.

5. Living Within Your Means Is Key

Knowing your numbers so you can live within your means is key. Only use credit in a real emergency!

6. Keeping Track Of Your Money Is A Must

Keep track of everything you spend, even small purchases, apps can help you to do this.

7. More Stuff Doesn't Mean More Happiness

Remember; owning more stuff won’t make you happier. Sometimes it can even make you feel bogged down. Minimalism can be a great way to practice being happy with what you have.

8. Think A Purchase Long and Hard - Never Impulse Spend

Never impulse spend. Think about a purchase for at least a couple of weeks to make sure it’s something that will really benefit your family!

Two Great Art Books For The Artist On Your List

Sketching Super-Cute Tacos, Sushi Clouds, Flowers, Monsters, Cosmetics, and More! With the holidays approaching fast it is a great idea to start getting gifts in order that will give all year and make a difference in the lives of those you love. Every artist thrives to learn more, do more and create more so nurture their love of creation with these great titles!

Kawaii is a Japanese word that translates to "cute," and popular YouTube artist Pic Candle shows you how to doodle your way to adorable in this miniature, portable, and even cuter version of her best-selling Kawaii Doodle Class.

This master class in cute features nearly 100 lovable, huggable characters and includes simple step-by-step illustrations and instructions, search-and-find puzzle patterns that you can color, inspiration boards that show you how to give your characters different facial expressions and zany accessories, and drawing pages to get your doodle party started. Your adorable drawing subjects include tacos, sushi, smoothies, clouds, rainbows, cacti, and more.

Soon you'll be enhancing your notebooks, stationery, artwork, and more with your own unique kawaii world. Mini Kawaii Doodle Class is now in session!

The author

Pic Candle is the online handle for Zainab Khan, whose doodle journey began in 2013, when she started making YouTube videos that demonstrated her love for drawing cute, random characters. Today, the Pic Candle YouTube channel has over 570,000 subscribers and more than 31 million views.

Art Studio: Faces & Features introduces beginning artists and art enthusiasts to the art of drawing and painting heads, faces, and expressions using a variety of mediums.

Drawing and painting heads, faces, and expressions can be an intimidating prospect for a beginning artist. Art Studio: Faces & Features is here to help, with more than 50 tips, techniques, and step-by-step projects that will have you creating expressive faces and mastering textures in all your drawings.

This intuitive guide shows you how to work with graphite and colored pencils; acrylic, oil, and watercolor paints; pastels; and even pen and ink. This range of mediums is the perfect way to experiment, build artistic confidence, and define your own unique style. Art Studio: Faces & Features makes the art of drawing expressions possible for beginning fine artists.

The Art Studio series is designed to help beginning artists venture into fine art; an overview of each art medium helps them determine which they like best.

The author

Founded in 1922 by artist Walter T. Foster, Walter Foster Publishing, an imprint of The Quarto Group, is the world's leading publisher of instructional art books and kits for adults and children. Walter Foster's diverse selection of drawing, painting, doodling, and mixed media art books and kits have created a foundation for millions of beginning, intermediate, and advanced artists looking to hone their talents, learn new techniques, and discover different mediums. From color mixing recipes and art tools to the fundamentals of drawing and painting, Walter Foster's books cover a wide variety of topics and mediums across a broad spectrum of traditional and eclectic subject matter for artists of all skill levels. Walter Foster Publishing continues to expand its offerings every year, producing cutting-edge art-instruction books and kits for a worldwide audience.

Snow Awesome From Nick Jr.

Nickelodeon is bringing adventure to your living room with these great winter themed goodies to make your little ones sing and dance to their favorite characters. Available October 16, this release contains snowy episodes of Nickelodeon's popular preschool series Nella The Princess Knight, Sunny Day and Shimmer and Shine.

Fans can join Nella on her quest to save Christmas from some naughty snow dragons, watch Sunny work to reunite with Doodle during a snow storm, experience a winter wonderland in Shimmer and Shine's palace and much more. Produced by Nickelodeon Home Entertainment and distributed by Paramount Home Media Distribution, Nick Jr: Snow Awesome will be available on DVD October 16 for the suggested retail price of $10.99.

Nick Jr: Snow Awesome contains the following episodes:

Nella The Princess Knight
- The Knight Before Christmas: Santa visits Castlehaven on Christmas Eve, but when naughty snow dragons take his sack of presents, it's up to Nella and her friends to save the holidays.
- Let it Snow: Nella searches for a magical crystal to make it snow for the kingdom's annual Snow Festival.

Sunny Day
- Best Christmas Ever: When a snowstorm traps Doodle at his cousin's house on Christmas Eve, Sunny and the gang devise an intrepid plan to trek through the snow and reach Doodle in time to spend the holiday together.

Shimmer and Shine
- Snow Place We'd Rather Be: When Princess Samira sends Leah and the genies to find a snowflake gem, Zeta interferes making the girls' search much more difficult.
- Snow Time to Spare: The girls help Layla, the Ice Genie, create fun snow decorations for the upcoming Frosty Fun Festival.
- Frosty Fun: When two trouble-making Ice Sprites slip into Ice Genie Layla's Palace, the girls must catch them before they wreak havoc on the castle.

For more information, visit:
* Website: www.nickjr.com
Order your copy today!

Holiday Gifts That Give For Years To Come!

With the holidays quickly approaching it is always a good idea to start thinking about gifts that will create a lasting impression and be used for years to come. Every woman wants to be pampered with gifts they can use with their lover or even on their own. Lelo has everything to make the holidays more enjoyable this year!

An exclusive collaboration piece, the limited edition TIANI™ Amber Rose Gold brings a touch of elegance to every erotic encounter.

Tiani Amber Rose Gold

Created exclusively to celebrate the partnership between LELO and celebrity Amber Rose, this updated TIANI™ couples’ massager features a delicate ring of rose gold. Designed to be worn internally by women during intercourse, TIANI™ Amber Rose Gold’s powerful vibrations – remote controlled and featuring exclusive SenseMotion™ technology – enhance the sensations for both partners. The petite, smooth silicone form offers a more fulfilling feeling for her and more intensity for him, and it’s flexible enough to suit all body types and positions.

Vital Statistics

Superior Performance With Amplified Signal
3x greater range than all other wireless couples massagers
50% More Powerful Vibrations & 8 Stimulation Modes
Additional full-feeling attachment for targeted pleasure in the perfect sex toy for couples
Fully Waterproof & Rechargeable
Always ready for travel or use in the bath or shower

Getting Acquainted

Your TIANI Amber Rose Gold is designed to be inserted with the smaller arm within the vagina, and the larger outer arm sitting on the clitoris. It is easiest to place your massager before your partner enters you.

 

 

What TIANI Amber Rose Gold Does Best

Petite enough to be unobtrusive, yet with vibrations strong enough to be felt by both partners, TIANI Amber Rose Gold can be used in any of your favorite positions, but many find missionary to be the easiest to start with.

 

 

If it So Pleases You

TIANI Amber Rose Gold doesn’t just have to be enjoyed with your partner; it can be used during solo sex as well when inserted vaginally and paired with your favorite insertable toy.

Having More Money At The End of The Month

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We often find ourselves in a position where we have more month at the end of our money, rather than more money at the end of our month… and this can be a very stressful place to be in, particularly if it’s a chronic cycle rather than a one off issue.

This is why the concept of payday loans has become so popular, and these can be particularly helpful if you are in need of short term cash injections.  You can go to this site to find out more information about these type of lending.

The core challenge we have when it comes to making money, is that most of us are stuck on a treadmill, where we are trading time for money - meaning we exchange a particular unit of time for a particular amount of money.

Now, whilst this amount tends to increase with experience and age, it is inherently limited as it is always based on the sum of input, and in simple terms, there are only so many hours you can input in a day, week, month or year - meaning working for money in this sense is not going to create too much more opportunity to grow your monthly income.

That’s the ultimate problem when it comes to trading time for money; there are only so many hours upon which you can input, and even highly paid professionals such as doctors and lawyers are limited by how much they can charge for each unit of their time.

The highest paid job, in the world, would appear to be working as professional speaker, as some professional speakers can make upward of $250,000 for just a ninety minute speech - yet these opportunities are far and few between, and what you don’t see, is that under the surface, they are having to invest hundreds if not thousands of hours into crafting the perfect speech.

Similarly, actors that are paid a set fee are still beholden to the principle of trading their time for money - even though that fee is sizeable, yet, if they shift their position to accepting a lower upfront fee in order to achieve a royalty style income, they are in the position to generate revenue in perpetuity; meaning, each month they will receive a check based on movie sales.  The same is true of pop stars.

Therefore, if you’re in the position where you keep seeming to run out of money at the end of each month, the best thing you can do is to find ways of generating passive income that don’t require you to trade time for money.

This article looks at a number of ways to have more money at the end of the month by supplementing your income with opportunities to create passive income, as recommended in the book “Rich Dad Poor Dad” which shows how differently the wealthy utilise their time and resources compared to those stuck on the financial treadmill of trading time for money.

See, the wealthy understand that the only way to get wealthy is to have assets, systems and processes in place - where you are leveraging assets, for instance a property, to generate income time and time again… without you needing to physically put in hours, of the day, of which there are only so many.

Here are five reasonably accessible ways you can do just that:

1.  CREATE AN ONLINE COURSE

You have existing knowledge and know-how that you can pass onto people through an online course, that is very easy to create, market and sell.  The best thing about this is that you are building an asset that you can market (automatically, on auto-pilot) without needing to put any more extra time into it, once it is up and running.  In this sense, you have passive income because you are using an asset (your course) to create the revenue, rather than trade time for money in the more conventional way.

2.  BUY AND RENT PROPERTY

If you are in the financial position to buy property and rent it out, then this is one of the most reliable ways to invest money and create an asset that can be leveraged, in addition to its value appreciation over time.

If we take the example of you buying a $100,000 property, where the mortgage is $500, yet you can rent out each bedroom for $400 per month, of which there are three, you would be making $1,200 gross profit - minus the cost of mortgage, that is $700 per month, that would be going into your bank account.  Now, there’s nothing stopping you buying a few properties and having this ten times more.

Imagine what your life could look like with an additional $7,000 per month; all through maintaining a few properties that, over time, are going to appreciate and leave you with a nest egg for your retirement.

3.  NETWORK MARKETING

The third option is something known as network marketing, which is, essentially where you recommend products you are passionate about, to a handful of customers, and then find a handful of people that would also like to make some extra income and coach them to do the same.  The company pays you a commission based on your own sales, of between 30% and 50% in addition to a smaller “coaching bonus” on the sales volume of your team.

This way, whilst you might only be working ten hours a week, if you find ten other people that are willing to put in ten hours to their own side hustle… that means your broader business is actually turning over 100 hours, on which you will get paid based on the output of your team - meaning it’s another opportunity to have leverage.

In summary, these three ideas are things most people can do, that won’t take up too much of their time and are building long term assets that are leveraged time and time again - meaning you are making more money at the end of each month, without having to work tons more hours.

Simple Ways To Save Every Day

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Saving money for your future and for your family is always super important. Mint is the core of life and unfortunately for us we can’t live a good lifestyle without it. To save money easier every single day and reach your goals in life, here are some of the things you can look at doing.

Craft it

If you want to save money on things in your home from furniture to decor to plant pots, you can upcycle or recycle old items you have lying around and revamp them into great crafts. If you love to do creative projects at home with the kids then you can have a quick search on Pinterest and get some inspiration on things you can do around the house to gain new objects without spending the earth on it.

Use cash instead of your card

The convenience of using a cash card for everything these days is just too much, and when it comes to using your card for shopping at the store you are likely to spend much more because you can’t physically see the cash leaving your purse. Next time you do a shopping trip take cash with you and leave your card and Home and you will immediately notice how much more reluctant you are to use the money you have because it will make your purse feel empty. It’s a great way to save money because you simply won’t want to spend it.

Make coffee at home

If you have a coffee every single day at work or at your local cafe, you will be spending a lot of money each week on this item. For example if a coffee costs you $3 every day, you’ll be spending $15 a week just on coffee and nothing else. When you put things into perspective it makes much more sense to purchase an eco friendly mug and use this every day to take with you to work.

Meal prep at the weekend

Food is always going to be a huge expense when you have a family running around and eating you out of house and home. When it comes to planning a shopping list for your family you are likely in the habit of choosing a different meal every day, but this isn’t the best way to plan food for your kids and your partner throughout the week. Instead, choose 3 big batch meals and cook these on a Sunday afternoon. They will be able to feed everyone for the week as well as give you lunches to take to work. You can then simply make sandwiches and salads for the kids and voila, the week is sorted!

Find free activities

A lot of the time trips to the cinema, the zoo, the amusement park and everything else in between can burn a huge hole in your personal finances and it is hard to think of a way of life which doesn’t involve spending this money on family days out. However there are many cheaper and free activities you can do at the weekend which can be just as fun. You can have a movie day at your house with snacks and pizza and a big blanket fort, you could go for a hike in the countryside and bring a picnic, or you can simply go to your local park and play football and frisbee. You don’t have to spend money to have fun!

Make passive income

Passive income is anything which you can earn while you are doing other things. For example the biggest form of passive income is investment. If you can invest a small amount of money into the stocks, into property or something else, you can build up an income from this which can be taken as a profit and split into savings and your next investment. It takes hardly any time and can be very lucrative for you as a family.

Avoid online shopping

Online shopping is the devil. It is far too convenient to buy your whole food shop, your clothes and all of your Christmas presents at once without even having to break a sweat and this can cause you to spend much more money than you would in a shop. Try to avoid online shopping as much as you can be not following them on social media and unsubscribing to newsletters. It will take the temptation away and allow you to save up a decent sum of money instead of soending it on shoes.