Cut Down These 5 Bills and Save $2,579

Bills, bills, bills. They never seem to end, do they? They take more and more out of your account each month before you even realize it.

You can’t escape them entirely (wouldn’t that be great?), but you can stop them from being so darn painful every month. All it takes is ending your loyalty to a few companies you currently use for bills and fees that come every month.

Trust us, they won’t miss you. And you definitely won’t miss them — especially when you realize how much money you’ve been needlessly throwing away every month.

1. Your Credit Card Bill: Save Up to 10x on Interest Payments

If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%! But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster.

With a $5,000 balance this month, that could be an extra $150 to your credit card company, or about $15 to a personal loan matched by AmOne. That’s $1,620 going down the drain every year.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

2. Your Car Insurance Bill: Save $489/Year

When’s the last time you checked car insurance prices?

You should shop your options every six months or so — it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Insure.com, people have saved an average of $489 a year.

Yup. That could be nearly $500 back in your pocket just for taking a few minutes to look at your options.

3. Your Credit Monitoring Service: Cut $240 Down to $0

When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

But there’s no need to spend $19.99/month on a credit monitoring service, when you can get the same protection for $0.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

4. Your Investment Broker: Never Pay Unnecessary Fees Again

Investing in the stock market is a great tool to grow your net worth. And for a while, it seemed like it was only available to the upper class — the people who didn’t mind paying up to $50 for each trade. What’s $50 when your investment broker is making you millions?

But if you work for a living and don’t happen to have millions of dollars lying around, smartly investing in the market can sound totally out of reach.

But with an app called Stash, it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — on Stash you can buy pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1

It takes two minutes to sign up, and it’s totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2

Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*

5. Your Banking Account: Skip the $15 Monthly Fees

The monthly fee your bank is charging you is a huge account-drainer. Especially because some banks charge when you don’t have enough money saved. We’re the people who need that $15 the most!

If you’re just looking for a place to safely stash it away but still earn money, a fancy account isn’t necessary. Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)

But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash.

Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

Kari Faber is a staff writer at The Penny Hoarder. 

***Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

2To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.

The Penny Hoarder is a Paid Affiliate/partner of Stash. 

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. 

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Source: thepennyhoarder.com

Even 6-Figure Earners are Living Paycheck to Paycheck. How to Break the Cycle.

When your salary finally tips over $100,000, all your worries about living paycheck-to-paycheck should be gone, right?

Not necessarily. In fact, 16% of six-figure earners said they have difficulty covering basic expenses, such as food, rent or mortgage and car payments, according to a November 2020 survey by the Center on Budget and Policy Priorities.

They’re living paycheck-to-paycheck.

How is that possible? Here’s the thing: It doesn’t matter how much money you make if your expenses outweigh (or are equal to) your income. That’s why it’s so important to have a solid plan for your budget. Otherwise, you could end up with no savings and in debt.

No matter how much you earn, here’s how to break the paycheck-to-paycheck cycle.

Make a Budget and Stick to It

It’s no question that the cost of living is going up at a rapid pace — not just in big, growing cities, but all around the country.

Yet slowly rising wages can’t take all the blame for our $0 balances at the end of the month. Poor budgeting — and lack of budgeting education — is holding millions of us back. So if you don’t have a budget or haven’t updated yours in a while, get one together.

If you don’t know where to start, a simple and straightforward approach is a good way to begin your budget overhaul. We like the 50/30/20 method. You map out all your expenses like this:

  • 50% of your monthly take-home goes to what you need. That includes rent, groceries, utilities, minimum debt payments, childcare, etc.
  • 30% goes to your wants — like your Netflix subscription, dinners with friends and travel costs.
  • 20% is earmarked for financial goals, like paying down debt, growing your savings and adding to your retirement fund.

If you’re living paycheck-to-paycheck, that last 20% likely isn’t getting the attention it needs from your bank account. And while the “wants” can easily get out of hand, it’s your “needs” that can be the biggest culprits.

So, how do you fix that? Here are some secrets to help you regain control of your spending and put more money in your savings:

Cut Costs and Bills Where You Can

Usually, your biggest monthly expense is your rent or mortgage payment. And unless you’re living the #vanlife or have a sweet month-to-month set up, chances are finding a cheaper place to live next month is out of the question.

But there are some necessary bills you can cut down significantly, without sacrificing the services you need.

  • Car Insurance: Shop around for new car insurance every six months, and you could save some serious cash. Compare car insurance prices on a website called Insure.com and you could save an average of $489 a year. All you have to do is enter your ZIP code and your age, and it’ll show you your options. 
  • Homeowners Insurance: Homeowners insurance can be a huge waste of money if you get the wrong coverage. Luckily, an insurance company called Policygenius makes it easy to find out how much you’re overpaying. It finds you cheaper policies and special discounts in minutes. Plus, it saves users an average of $690 a year.

Eliminate Credit-Card-Debt Payments

If you have credit card debt that you’re just paying the minimum on, chances are you’re paying a ton in interest. And why would your credit card company care? They’re getting rich by ripping you off with those high interest rates — some up to 36%.

Credit card payments alone could keep you in the paycheck-to-paycheck cycle for years. That means it’s time to get rid of those payments for good. A website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Create a Separate Account for Savings

Once you’ve cut down your monthly costs, make sure you’re prioritizing your savings. Whether that’s contributing to your retirement plan, investing in the stock market or building up an emergency fund — you did it! Congrats on breaking the cycle and cleaning up your spending habits.

But speaking of emergency funds, many Americans don’t even have $400 saved in case their car breaks down or their kid ends up in the ER.

Where should you start saving for one? A typical savings account won’t earn you much interest.

That’s why we like a free account from Aspiration. Its Spend and Save account could earn you up to 16 times the national average interest on your money, plus up to 5% cash back, if you use Aspiration’s debit card. It’ll help grow your emergency savings fund that much faster.

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

Follow these secrets, and you’ll be well on your way to breaking the paycheck-to-paycheck cycle.

Kari Faber is a staff writer at The Penny Hoarder. 

Source: thepennyhoarder.com

Weddings Are Back. Here’s How You Can Afford To Attend Them All.

You love your friends and are so happy they’ve found The One.

But there’s no shame in feeling a little relieved they all postponed their 2020 nuptials — it meant you weren’t shelling out hundreds or even thousands of dollars on flights, hotels, fancy dresses, tux rentals and gifts.

More time for you to save and focus on your own debts!

But now that the vaccine rollout is underway and cases are down in many parts of the country, more Save the New Date cards are showing up on your refrigerator door. And while many of us are chomping at the bit to go celebrate with friends and family, there’s still the same issue there was before Covid showed up:

Going to weddings is expensive.

So how do we manage to party after the crazy financial year we just had? Here’s how to save on registry gifts and earn extra money to afford the cash bars:

1. Don’t Overpay for Wedding Gifts Online

Wouldn’t it be nice if you got an alert when you’re shopping online and are about to overpay for a pasta maker on your best friend’s wedding registry?

That’s exactly what this free service does.

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

Capital One Shopping compensates us when you get the extension using the links provided.

2. Open an Account With This Company and Earn 16x More — Plus $100

How’s an extra $100 sound toward a flight or hotel? For free? Seriously. We found a company that will give you $100 just for opening a new debit card. It’s called Aspiration.

Sure, a lot of debit cards offer sign-up bonuses throughout the year, but they often require you to jump through hoops with minimum requirements that feel impossible to hit.

But Aspiration makes it simple. To earn your $100, here’s all you need to do: Open your Aspiration account and deposit at least $10. Then set up and receive three direct deposits of at least $500 each from your paycheck or government benefits. That’s it! Then just wait for your check.

Even better? Your debit card gets you up to 10% cash back on your purchases and earns you 16x the average interest on the money in your account.

Enter your email address here, and link your bank account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

3. Get a Free $225 in Cash Just for Watching Videos

If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious. It could get you that much closer to affording another bridesmaid dress.

A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.

InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

4. Get Paid Every Time You Buy Toilet Paper

Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something…

5. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it? You’ll have plenty of time between the rehearsal dinner and cocktail hour to rack up a few wins.

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

6. Knock $489/Year From Your Car Insurance in Minutes

When’s the last time you checked car insurance prices?

You should shop your options every six months or so — it could save you some serious money. Money you could use to afford your cousin’s destination wedding in Tulum.

Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Insure.com, people have saved an average of $489 a year.

Yup. That could be $500 back in your pocket just for taking a few minutes to look at your options.

Kari Faber is a staff writer at The Penny Hoarder. She’s earning extra cash so she can go to a wedding in wine country, another one in the mountains, celebrate with friends in Texas and round it out with a beach shindig before 2021 ends.

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Source: thepennyhoarder.com

What’s Your Next Splurge? 5 Tips for Saving Up for It Faster

What’s your next big purchase? What’s that one thing you really want?

Is it a new phone? A new car? A used car? A fancy dress? Expensive shoes? A laptop?

Or, wait, let us guess: You’re planning a big trip, aren’t you? After a year of COVID, you’re thinking about your next big vacation.

Whatever your next major splurge is, you ought to start saving for it now. The more proactive you are about saving up for it, the sooner you’ll get what you want.

Here are five tips for getting there faster:

1. See if You Can Get More Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And you’re going to need extra cash for your splurge.

Try a debit card called Aspiration, which gives you up to 5% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money in the process?

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. Add $225 to Your Wallet Just for Watching the News

Every little bit helps. Here’s a way to make a little extra money:

It’s been a historic time for news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid to watch the news.

3. Get Paid Every Time You Buy Groceries

Here’s another example of how every little bit helps get you closer to your goal.

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something.

4. Stop Paying Your Credit Card Company

Credit card debt is the most expensive kind of debt, and your credit card company is just getting rich by ripping you off with high interest rates. But a website called AmOne can help you fight back.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

5. Find Out If You’re Overpaying

Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?

That’s exactly what this free service does.

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in just a few clicks to see if you’re overpaying online.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. You better believe he’s thinking about his next big purchase. 

*Capital One Shopping compensates us when you get the extension using the links provided.

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Source: thepennyhoarder.com

This Cash-Back Credit Card Matches Your Earnings at the End of Your First Year

Finding a rewards credit card that maximizes your cash-back earnings can be difficult.

There are a ton of options available. Heck, your mailbox is probably full of those “You’ve been pre-qualified!” flyers. But your goal is simple: Pocket as much cash back as possible.

That’s why we like the Discover it® Cash Back card.

Throughout the year, you’ll earn 5% cash back on your purchases from different places each quarter (up to $1,500 per quarter) when you sign up. All other purchases earn 1% cash back. Plus, at the end of your first 12 months as a new cardholder, the Discover it® Cash Back card will match your cash back. That means you’ve just doubled your money.

Earn 5% Cash Back — and Get it Matched at the End of the Year

After you sign up, each quarter, the Discover it® Cash Back card will reward you with 5% cash back on your purchases from various retailers. Here’s the quarter-by-quarter category breakdown for 2021:

  • January to March: Grocery stores, Walgreens and CVS (excludes Target and Walmart)
  • April to June: Gas stations, wholesale clubs and select streaming services
  • July to September: Restaurants and PayPal
  • October to December: Amazon, Walmart (online) and Target (online)

Anything you charge to your card during those months that doesn’t fall into those categories will still get you unlimited 1% cash back. Note: In the 5% cash-back categories, you’ll get 5% cash-back on up to $1,500 in purchases each quarter. In-category purchases over $1,500 will earn 1% cash-back.

And here’s the best part: At the end of your first 12 billing cycles, the Discover it® Cash Back card will double your cash back. So say you earned $150 in cash back. That means you just automatically got $300. That’s some solid passive income.

If you don’t want cash back, you can also redeem your rewards for gift cards and charity donations.

Curious to see how much cash back you can earn (and get matched) with the Discover it® Cash Back card? It takes minutes to apply online.

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Source: thepennyhoarder.com

How the Discover it® Cash Back Card Could Earn You a Free Month of Groceries

Grocery bills are eye-popping these days, and there’s no way around it. You have to buy food, right? And every time you go to the supermarket, you pay dearly when you swipe your card at checkout.

What if you could get a month’s worth of groceries — for free?

If you use the Discover it® Cash Back card for your purchases, throughout the year, you’ll earn 5% cash back on your purchases from different places each quarter (up to $1,500 per quarter) when you sign up. All other purchases earn 1% cash back. Plus, at the end of your first 12 months as a new cardholder, the Discover it® Cash Back card will match your cash back. That means you’ve just doubled your money.

Plus, there’s no annual fee.

If you earned $150 cash back in a year — after your match, you’d have $300. That could buy one person’s groceries for a month!

Earn 5% Cash Back, Then Double Your Money

After you sign up, each quarter, the Discover it® Cash Back card will reward you with 5% cash back on your purchases from various retailers. Here’s the quarter-by-quarter category breakdown for 2021:

  • January to March: Grocery stores, Walgreens and CVS (excludes Target and Walmart)
  • April to June: Gas stations, wholesale clubs and select streaming services
  • July to September: Restaurants and PayPal
  • October to December: Amazon, Walmart (online) and Target (online)

Anything you charge to your card during those months that doesn’t fall into those categories will still get you unlimited 1% cash back. Note: In the 5% cash-back categories, you’ll get 5% cash-back on up to $1,500 in purchases each quarter. In-category purchases over $1,500 will earn 1% cash-back.

And here’s the best part: At the end of your first 12 billing cycles, the Discover it® Cash Back card will double your cash back. So say you earned $150 in cash back. That means you just automatically got $300. That’s some solid passive income.

Plus, the Discover it® Cash Back card is nice because it doesn’t have an annual fee. That means all these rewards are legitimately free.

Curious to see how much cash back you can earn (and get matched) with the Discover it® Cash Back card? It takes minutes to apply online.

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Source: thepennyhoarder.com

How To Make a House A Home: Creating Memories

There are so many ways to make a house a home. A house is simply a physical structure.

A home is a place where you create meaningful memories with loved ones. It is a place for watching first steps, celebrating birthdays, and enjoying family dinners.

These activities will help you to create memories at home.

1. Plant a garden: Your family will love choosing flowers, herbs, fruits, and vegetables to plant in your garden. It will become a fun activity that you can do together. Watch the plants grow from season to season and year to year. We recommend also having each family member choose a plant that is uniquely theirs – they’ll have fun watching it grow and change, and it will be a great way to encourage responsibility.

2. Hang photos and art: Create a gallery wall with your children’s art and family photos. Hang holiday photos, first day of school photos, and photos from choice moments. Your kids will feel special when they see their art up on the wall.

3. Start a collection: Start a family collection. You will all get excited when you find something new to add. Collect salt and pepper shakers, vases, or something else that you all enjoy. Display the collection throughout your home, and each piece will remind you of the time you found it.

4. Make a height chart: Mark your children’s height on the door. You’ll love seeing how much they’ve grown, and they will get excited each time you make a new mark.

5. Make a “library” area: You don’t need a library to make a library area. Make a designated part of the home where your kids can curl up with their favorite books or, if your kids are pre-reading level, an area where you can read to them. You’ll make memories when you read together.

These ideas will help you to create new family traditions and memories. As they say, home is where the heart is! Write on our Facebook wall to let us know how your family creates memories at home.

Source: century21.com

Some of the links in this post are…

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Ready to stop worrying about money?

Earn an American Airlines AAdvantage® Mile for Every Dollar You Save With This Bank

Source: thepennyhoarder.com
**Industry average annual percentage yield of 0.05% is based on the FDIC calculated national rate effective 02/15/2021.
Planning a budget for vacation, especially when you depend on travel rewards from your credit card, can be a double-edged sword: You have to spend money to earn those miles in the first place. Being expected to then save money to spend on the good stuff (Food! Swanky hotels!) when you arrive can become a daunting task.
 *Must maintain a minimum daily account balance of ,000 for 90 consecutive days out of the first 120 days from the time you open your account to receive bonus. 
It’s easy to deposit a lump sum or schedule recurring deposits to help you toward your travel goals. Either way, your miles are deposited into your AAdvantageⓇ account each month, and as long as you have a Bask Savings Account, they’ll never expire. Save for as long as you want and redeem your awards later!
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Why are Antique Textiles gaining Popularity as Art for Home Decor? – PRNewswire

JURONG WEST, Singapore, March 9, 2021 /PRNewswire/ — How long have you been curating for the Wovensouls Textile Art Gallery and how did you get into this niche business?

First, I’d like to say that Wovensouls is less of a business for me and more of a passion that was born out of collecting heirlooms. About 25 years ago, I acquired a beautiful heirloom not knowing what it was. In the brief conversation that followed with the dealer, I learnt about the cultural background of that textile and I was hooked to this category of art. Over the years the  collection grew and about 15 years ago, the Wovensouls gallery was born.

What is the profile of your clients who decorate with antique textiles?

The textile lovers who’ve come along to the gallery have been from all walks of life. We have had  prominent interior designers, art-savvy museum curators, wealthy Hollywood film producers, well-traveled foreign ambassadors as well as individuals decorating their own homes buying textiles from us. The common factor is the desire to be surrounded by beauty that also has a soulful cultural history.

Why is decorating with textile arts becoming popular now?

Art appeals to each one of us in a unique way, so I do not know the answer to this.  Maybe it is because textiles remind us of our grandmothers who themselves created some textile art – maybe the textiles  transport us to the good old days of bonded families and close-knit communities. Or maybe it is that in an ever-homogenizing factory-served world, people look for pieces with a strong character to express their own identity.  Antique textiles offer just that – a dignified elegant work of art with soul. As people are more exposed to cultures far away and more options are available to them through the internet, when people create their sanctuaries – at home or at work – antique textiles are being used more often.

Most people would find it hard to figure out what to do with a piece of antique embroidery of weaving. Do you offer any home styling guidance?

Yes – given that antique textile arts have grown in popularity only recently, we do not see enough examples outside niche-media around us to inspire us. So we offer online décor consulting services. We recommend textile artworks and offer ideas on framing or showcasing and create photoshopped displays using photos that clients send in.

Can everyone  afford decorating with antique textiles?

Well, because antique textile artworks are one-of-a-kind, one would imagine that they are unaffordable. But that isn’t true for all – some cost less than $100.

What would you say to people who’ve never considered antique textiles as art for décor?

Antique textiles are not merely art – they have captured a vanished craft and they have captured the passage of time. Having such irreplaceable artworks as décor in one’s home  creates an experience of beauty that satisfies more than just the vision. So to those who’ve  not enjoyed an antique textile yet, I’d say it’s time to check out to a textile art gallery to experience one for yourself!

___

Jaina Mishra lives in Singapore and her antique textile collection is on sale on wovensouls.com 

Photos:
https://www.prlog.org/12861178 

Press release distributed by PRLog

SOURCE WOVENSOULS

Related Links

https://wovensouls.com

Source: prnewswire.com

6 Natural Home Decor Ideas

Contribution by Andrea Davis, HomeAdvisor

6 Natural Home Decor Ideas image 1

Can’t get enough of the outdoors? If you want more of it in your home without maintaining a jungle, then consider alternatives. Here are some top ideas for homeowners wanting that extra touch:

1. Add natural elements: One of the easiest ways to incorporate the outdoors indoors is literally to add it to your home decor. It might be pebbles, wood, straw, leaves and other pieces in smaller amounts throughout your home. You could also add photographs, paintings and framed pieces of wood or leaves to the walls of your home.
6 Natural Home Decor Ideas image 2

2. Assemble flowers and plants in pots: If you are willing to do the maintenance and manage the upkeep, you can add potted plants to your home. This adds elements of color and natural fragrance to your home. You might avoid real plants if you have severe allergies and do plastic versions to be safe. You should also be aware of any plant varieties that are poisonous to your pets.

3. Install natural flooring: If you have tile, laminate or vinyl floors, you can have a flooring installer replace them with hardwood, cork, bamboo or other natural flooring materials. They feel warmer underneath your feet, and they are organic and biodegradable compared to what might have been in your home before.

4. Make the most of your windows: Your windows are for more than a beautiful view. You can let in natural light by opening them or replacing heavy curtains with light, see-through drapes. You can also let in fresh air and the scents of the outdoors. If you’re worried about pests or debris, install new screens.

6 Natural Home Decor Ideas image 3

5. Use outdoorsy colors: Another option is painting parts of your home with naturally-inspired colors. Some color options include green, blue, yellow and brown. There are also neutral tones like white, tan and beige to evoke cleanliness. Whether you paint an entire room or just a wall, you can complement the room with elements like plants to make it seem more outdoorsy.

6. Consider stenciling: You can also stencil outdoor-related images onto your walls. Maybe it’s trees, leaves, the sun, moon, stars or an entire landscape. You can do random stenciling or theme it by room. The end result will be a design that attracts visitors and complements the outdoor landscape.

Your interior can get closer to the outdoors depending on how much money or time you want to spend bringing the elements indoors. The end result will be a natural, seamless transition from the beautiful landscape outside to the same relaxing feel inside.

Photos courtesy of DesignMine

Source: century21.com