So many find moving to be stressful, but in our community we couldn’t be more excited to welcome new residents! Whether you’re a first-time renter or veteran, utilize the tips below to help make your move less stressful:
1. Use Your Friends
If you have friends or family that live close by, enlist their help. This will save on the cost of movers since most relatives and friends accept food or drinks as compensation. In addition, these are the folks you can trust with your irreplaceable items.
2. Hire Movers
If you don’t have friends or family close by, hiring movers might be the way to go. Although this will require monetary compensation, most movers come insured. Be sure to read the fine print on a moving contract to understand their hours, pay and, most importantly, if they offer everything that you will need.
3. Get Organized
From grouping items together in boxes to having a labeling system, being organized during a move can cut stress down more than you think. At least group everything that you’ll need within the first day or two of moving into the same box so it is all easily accessible and you won’t have to dig for individual items in multiple boxes.
4. Pack Smart
Packing up, unpacking and everything in between can be the main source of stress for many people. If you’re packing breakables, make sure that they are packed with packing paper or bubble wrap to ensure nothing gets broken. You could also consider packing your fragile items with clothing so it takes care of two things at once. Another helpful tip is to pack small amounts over the course of a week or two, instead of trying to pack up your entire life the night before a move.
Although moving can be a daunting task, taking your time and making sure you’re organized in every way possible can make it better. Moving should be an exciting time, not one to worry about. What are some other tips you have that have helped make your move easier? Share your ideas so others can take advantage!
These days, in our world of instant gratification, it's more important than ever to be able to stay focused on saving money any way you can. So to help you monitor your spending habits and cut expenses, here are 20 easy ways you can save every day—starting right now. How's that for instant gratification?
1. Make a weekly "money date." Commit to sitting down with your money once a week for a money date. Then update your budget, review your accounts and track your progress against your financial goals. Like any relationship, if you want your financial life to improve, you must spend time with your money.
2. Plan out your meals for the week. Taking a few hours every weekend to grocery shop and meal plan for the week will definitely save you money, as dining out is the No. 1 expense for most households. By eating at home, you save money that would otherwise be spent on tax and tip—and you usually save calories, too.
3. Cut out cable. Gasp! Cut out TV?! Never! But with services like Hulu, Netflix and Amazon Prime, you can now watch your favorite TV shows and movies for a fraction of the cost of cable TV.
4. Switch to an exercise pass program. If you love working out, an exercise pass program such as Class Pass is the way to go. By paying a membership fee of $99 per month, you are welcome at many of the best studios in your area. And classes—like cycling, yoga, Pilates, barre, strength training, boot camp, dance and more—are unlimited. This beats having to pay for each studio's monthly membership or individual class fee, which can add up to hundreds of dollars a month.
5. Host a potluck. The more friends you have, the more money you spend on lunch dates, birthday parties and gifts. Switch it up and, instead of meeting over a fancy dinner, host a potluck and have everyone bring his or her favorite dish.
6. Leverage lodging rental websites. Finding a place to stay while traveling is so convenient when you use a lodging rental website such as Airbnb, Travelmob or Housetrip. You can often find a place that has a kitchen (so you can cook meals at home to save money) at a rate that's comparable to hotels. You can even rent out your own place on sites such as Airbnb while you travel to make some extra cash to pay for your own travel expenses. It's a win-win scenario.
7. Make coffee at home. This one's not my favorite, as I absolutely love going to coffee shops and drinking delicious organic coffee. However, spending $4 to $5 on coffee every day definitely adds up. So try my approach and allow yourself a few days a week to buy coffee at cafés, and make it at home the rest of the time.
8. Work more. When you're working a lot, there's not much time left to shop and spend money. So stay busy and pursue a career you love.
9. Wait 48 hours before you click "buy." Since we can have anything we want these days with just the click of a button (there's that instant gratification again), you need to find a system to help buffer your impulse purchases. By waiting, you’ll usually find that the item in question is more of a “want” than a “need.”
10. Use blogs and Pinterest to learn DIY beauty treatments. Self-care is important—but going to spas and getting pedicures, massages, etc., can really add up. Allow yourself a certain amount to spend on these things; then use blogs and apps like Pinterest to find at-home beauty treatments to help you save money. Often you can find a DIY organic option using common household or kitchen products.
11. Outsource online. Time is a commodity, and your time is precious and valuable. And these days, there are so many tasks you can outsource that will save you time and money. But how do you figure out if outsourcing something is worth the expense?
A great thing to do is to actually calculate the cost of your time, which will help you figure out if you can pay someone to do something for less than your hourly rate. Here's an example: A monthly net income of $3,000 divided by a total of 160 hours worked equals an hourly rate of $16.75. Now that you know the value of your time, you can strategically outsource it using a service like Fiverr or Task Rabbit for a fraction of your own hourly rate.
12. Get creative with gifts. Find creative ways to express your love to friends and family members with free, lower-cost or handmade birthday and holiday gifts. After all, a handwritten note explaining why you love someone can be more sentimental than some expensive gift he or she may never even use. Most people will appreciate the thought behind your gifts more than anything, so don't be afraid to save money and find free ways to celebrate birthdays and holidays.
13. Choose quality over quantity. This can apply to food, clothes, electronics and much more. Although it's tempting to choose the more budget-friendly version of an item, sometimes choosing quality over quantity will save you more in the long run. Save up your money and get the best-quality product you can afford, and leverage the cost-per-wear philosophy with more expensive clothing and shoes.
14. Deal with your emotions. Excessive spending is often a way to avoid feeling certain emotions. If you check in with yourself before you go on a major spending spree, you may be able to identify if you're feeling bored, lonely or stressed and are therefore spending money as a means to avoid the underlying emotion. Check in with yourself before you buy, and be mindful with your spending.
15. Stop trying to keep up with the Kardashians. It's hard to keep your blinders on and not compare your financial life to that of others, especially celebrities. However, it is really important to be clear about what matters most to you and make sure you build a financial plan that supports that vision. This will keep you moving toward your financial goals and stop you from spending money on things you don't need, to impress people you don't like.
16. Read a personal finance book. When you learn about personal finance, you'll learn even more strategies to help you save money for your goals in life. Knowledge is power, and the more you know, the more you can save.
17. Balance your "FOMO/YOLO" mind-set. With social media controlling our lives like never before, people often fall victim to the "fear of missing out" phenomenon and instead go overboard with a "you only live once" mentality.
While it is important to live in the present and soak up each precious moment of life, make sure you balance that out by saving for your financial future, too. Without checks and balances in place, you can find yourself saying yes to everything and spending more money than you have—all due to the fear of missing out.
18. Map out your financial goals. Be very specific with your financial goals. For example, saying, "I want to save for a home down payment" is not enough. You need to map out how much you need, by when and what you need to save every month in order to reach the goal. When you know what your targets are, you're more likely to stay the course and continue saving for them for the long term.
19. Keep your eye on the prize. Staying focused on your goals takes discipline and determination. Saving can be easy and exciting at first, but after a while you may lose that initial motivation and start to find other things you can spend that money on. To avoid veering off course, check in with your goals regularly and keep your eye on the prize.
20. Track your progress. Americans save only 5.5 percent of their money compared to the 20 percent that personal finance indicates you should put away. But instead of feeling ashamed about your lack of savings, just start by saving something.
Even 1 percent is better than nothing. Track your progress and continue to increase the number year after year. Step by step, day by day, you can get to that 20 percent savings level.
The truth is, there are many ways to save money. Find the ways that work for you, and slowly start incorporating the strategies into your life.
Apartment hunting can be a fun and exciting experience, especially if it's your first one. But there's so much to look for and so many questions to ask when touring different communities that it can be difficult to keep track of it all. Lucky for you, we've put together a checklist of what to do before and during your tour at each place. Bring a notepad with you, or enter all of the information into your phone or tablet--you'll be glad you did. And you're already off to a good start if you're reading this; it means you've looked into one of the best apartment communities in Baltimore!
Bring a camera and flashlight or use them on your smart phone. Take photos to remind yourself about the place and for documentation. These will be great to keep on hand before signing a least too.
If possible, visit the building and spend time in the neighborhood both day and night. It might be much noisier at night than during the workday, and you’ll want to be sure you feel safe and comfortable with the area.
Ask if the building is submetered, meaning the individual tenants receive bills from each utility (electricity, natural gas, water).
Read reviews of the community online. Look for reviewers who provide pros and cons, not just a rant.
Walk through the actual unit you’ll be renting, not just a model, especially if the building is not brand new.
Last, but certainly not least, ask to see the lease. Then don’t just look at it, read it — even the fine print. If there’s something you don’t like or understand, talk about it with the property manager.
Green Cleaning
Simple ingredients from your pantry can be used to make cleaning products that are kinder to the environment at a fraction of the cost. Take a look below at some of the incredible uses for vinegar, baking soda, rubbing alcohol, and ammonia. See bottom for recipes on Green Cleaners.
Diluted White Vinegar
Mildly acidic white vinegar dissolves dirt, soap scum and hard water deposits from smooth surfaces, yet it's gentle enough to use in solution to clean hardwood flooring. White vinegar is a natural deodorizer, absorbing odors instead of covering them up. (And no, your bathroom won't smell like a salad. Any acid aroma disappears when dry.) With no coloring agents, white vinegar won't stain grout on tiled surfaces. Because it cuts detergent residue, white vinegar also makes a great fabric softener substitute for families with sensitive skin. In the kitchen, use vinegar-and-water spray to clean countertops, lightly soiled range surfaces and backsplash areas. In the bathroom, spray countertops, floors and exterior surfaces of the toilet. For really tough bathroom surfaces such as shower walls, pump up the cleaning power by heating the solution in the microwave until barely hot. Spray shower walls generously with the warmed solution, allow to stand for 10–15 minutes, then scrub and rinse.
Undiluted White Vinegar
Used straight from the jug, undiluted white vinegar makes quick work of tougher cleaning problems involving hard water deposits or soap scum. Use it to clean the inside of the toilet bowl. Before you begin, dump a bucket of water into the toilet to force water out of the bowl and allow access to the sides. Pour undiluted white vinegar around the bowl and scrub with a toilet brush to remove stains and odor. Use a pumice stone to remove any remaining hard water rings.
Clean showerheads that have been clogged with mineral deposits with undiluted white vinegar. Place 1/4 to 1/2 cup vinegar in a plastic food storage bag, and secure the bag over the showerhead with a rubber band. Let stand for 2 hours to overnight, then rinse, and buff the fixture.
White vinegar softens clothes and cuts detergent residue. For family members with sensitive skin, add 1 cup to the laundry rinse cycle instead of commercial fabric softener.
For general cleaning purposes, you can substitute lemon juice for white vinegar. Use the outer rind to polish porcelain surfaces and release fragrant lemon oil. If you have a garbage disposal unit, grind the rind in it while running cool water down the drain. The oils in the rind clean the disposal unit and sharpen the blades.
Baking Soda
Baking soda's mild abrasive action and natural deodorizing properties make it a powerful replacement for harsh commercial scouring powders. Sprinkle baking soda onto a damp sponge to tackle grimy bathtub rings, scour vanity units or remove food deposits from the kitchen sink.
For tougher grime, make a paste of baking soda and water, apply to the tub or sink, and allow to stand for 10–20 minutes until the deposits have softened and can be removed.
Keep bathroom drains running freely and smelling sweet by pouring 1/2 to 3/4 cup baking soda into the drain, and dribbling just enough hot water to wash the solution down. Let stand for 2 hours to overnight, and then flush thoroughly with hot water (do not use on blocked drains).
Rubbing Alcohol
Rubbing (isopropyl) alcohol provides the base for an evaporating cleaner to rival commercial window and glass cleaning solutions. Use it on windows, mirrors, chrome fixtures and for a shiny finish on hard-surface ceramic tiles.
Ammonia
An alkaline solution, clear ammonia creates stronger window and all-purpose cleaning recipes than acidic vinegar. Choose a non-sudsing type: Suds may look as if they're working, but they're tough to rinse and remove.
Green Cleaners
Homemade cleaning products offer many advantages to cost-conscious households. Using on-hand ingredients can be far less expensive than buying commercial cleaners, won't generate discarded product packaging, and the household avoids exposure to harsh chemicals or toxic ingredients. Try these cleaning recipes as a starting point, increasing or decreasing their strength as your household's cleaning needs require.
Homemade Spray Cleaner
Try this recipe to harness the cleaning power of white vinegar. Mix in a spray bottle:
1 cup white vinegar
1 cup water
Homemade Glass Cleaner
Try this recipe to harness the cleaning power of rubbing alcohol. Mix in a spray bottle:
1 cup rubbing (isopropyl) alcohol
1 cup water
1 tablespoon white vinegar
Try the following formulations for spring cleaning or tough chores.
Strong Glass Cleaner
Mix in a spray bottle:
1 cup rubbing (isopropyl) alcohol
1 cup water
1 tablespoon clear, non-sudsing ammonia
Strong All-Purpose Cleaner
Mix in a spray bottle:
1 tablespoon clear, non-sudsing ammonia
1 tablespoon clear dishwashing liquid
2 cups water
While it may seem harmless and even endearing to true cat lovers, cats on your counter top is actually kind of gross. Think of the other surfaces those tiny paws have touched--i.e. the liter box--right before pouncing their way to your dinner plate. Appetite: lost.
But fear not, there are ways to keep kitty off your counters and unwanted particles off your food.
Let's start out with an excellent quote from the ASPCA: Rather than spraying your cat with water when they jump on a forbidden counter, "arrange for the environment to punish your cat directly." "Balance some lightweight cookie sheets on the edge of the counter. When your cat jumps up, she'll land on the sheets. They'll move and possibly topple over, making some unpleasant noise while she leaps back onto the floor."
If you don't want your cats on your cookie sheets and your cookie sheets on the floor (or if you only own one cookie sheet), Huffington Post recommends using cheap, recyclable aluminum foil.
The Humane Society advises making your counters unpleasantly sticky, either DIY-style using double-sided tape, or using readymade products.
This Old House notes that cats hate the feel of sandpaper underfoot, so you could lay it on your counters when you're not cooking.
If your counters are your cat's idea of a little piece of heaven, Petfinder recommends simple ways to make them less enjoyable, like pulling down the blinds to block the basking sun — and the view of the bird feeder.
According to The Nest's Pet column, a peppermint solution can be sprayed on countertops to deter cats — and to make your kitchen minty fresh.
WikiHow has similar advice involving black pepper, lemon, eucalyptus, cinnamon, rosemary, and lavender — delicious.
One of my favorite solutions comes from Pawnation: "Some experts recommend clicker training. This method involves training your cat to jump off the counter on a cue word, like 'off'. When the cat follows your cue, click the clicker, then reward your cat with a treat." Positive reinforcement!
...Don't forget to clean the counters after your feline flees the scene...
If your cats do occasionally traipse around your countertops, VetStreet wants you to protect your health —and the health of your guests — by cleaning the surfaces thoroughly before preparing food. Hot water, soap, and an antibacterial agent should do the trick
You could crank your AC in an attempt to keep cool this summer, but who wants to pay through the roof on electric? Whether it’s by choice or forced on you, there are a number of ways to keep heat at bay during the summer. You’re probably already doing some of them, like running the ceiling fans, but there’s more that you can do to keep cool without abusing your air conditioner.
1. Focus on cooling yourself, not the apartment : All these tips are built on this idea, but it deserves to be pointed out. Air conditioning cools the whole apartment, but your comfort depends on how you feel. It’s okay if the temperature is high, so long as you feel cool.
2. Use ice packs (or other cold items) : Freeze an ice pack and place it underneath you on the couch or bed. Keep it in a pocket while you’re walking or lounging around the apartment. Keeping it close to you will cool you down considerably. In a pinch, you can use frozen food, such as a bag of peas or popsicles, just be cautious of the mess they can make.
3. Freeze your sheets and clothes : Place your sheets and pillowcases in the freezer a few hours before bedtime, and make your bed with them right before you get in. The same trick will work for clothes, so while you can’t open the freezer to cool the room, you can use it to cool your clothes.
4. Take a cold bath or shower: If the thought of getting into a cold bath makes you sweat, fill it first with lukewarm or room temperature water, and get in. Gradually let the lukewarm water out and refill it with cold water until you’re in a mostly cold bath. You’ll feel cool for a long time afterwards.
5. Eat cool foods : Running the stove or oven just warms up the room. Instead, try to eat cold foods that don’t need to be cooked. Not only do you avoid creating more heat, but they also help cool you off. Popsicles and other ice cream are really helpful for this, and who doesn’t want an excuse to eat more ice cream?
6. Wear cooler clothes : If you’re home alone, go without clothes or walk around in your underwear or a bathing suit. Otherwise, wear natural fabrics such as linen, cotton and silk. These breathe better than man-made materials, such as rayon, polyester and other artificial fibers. Athletic wear is an exception and can wick moisture away from your body. Looser clothes also tend to breathe better than tighter clothes.
7. Close and cover windows and doors : Leaving windows open lets in warm air, and just leaving the blinds open lets in sunlight, which also warms up the room. At least close the blinds, if not putting up lined drapes or aluminum foil to reflect sunlight out of the room. Also, focus on just the part of the apartment you’re going to be in. Closing off parts of the apartment cuts down on air circulation, but that’s a benefit if most of the air that can circulate is warm air.
8. Set up fans cleverly : If you have multiple fans, set them up so that they intersect on you, the air hitting you from multiple directions. Make sure that your ceiling fan is set to counterclockwise, drawing the warm air upwards. Fill and freeze jugs of water, placing them behind fans (with a towel under the jug to absorb the water) to blow cool air at you. It’s helpful to have a fan blowing air at you, but setting it up properly can make a really big difference.
9. Drink ice water : Cooling down starts on the inside, so downing several glasses of ice-cold water will really put the chill on. Drink one ounce of water for every two pounds of your body weight. For instance, if you weigh 150 pounds, drink at least 75 ounces, or a little more than nine eight-ounce glasses, of water per day.
10. Use mint or menthol products : Smear cooling topical ointments with medicated vapors (such as Vicks VapoRub) or peppermint lotion on your skin. Bathe with peppermint soap, use lip balm with peppermint oil and brush your teeth with something minty. Mint refreshes the skin and leaves a nice cooling sensation.
11. Go somewhere with air conditioning : Just because you don’t want to run the air conditioner doesn’t mean that no one is. If a day is particularly unbearable, that could be the time to find somewhere else to go. Grocery stores, especially in the dairy aisle, are somewhere you probably need to go anyway, so why not now? You can also go to a grocery store, a friend’s house, or make it an outing to a movie theater. Wherever it is, someone else is paying for the air conditioning, and you get to really relax and embrace the cold.
