How to Turn Your Clutter into Cold Hard Cash!

Written by Nikki Morgan, 21 May 2013

We all have it, household junk that we will never need or use again, filling up our drawers, cupboards and even garages. While some of this is truly junk that needs to go in the bin, lot’s of things lurking around our home can be converted into cash….as the saying goes “One man’s junk is another man’s treasure”.

De-cluttering is a fun and worthwhile exercise that we should all undertake once a year. I have a rule, if I have not used an item in the last 12 months, then I will probably never use it, so it is time to move the junk on!

We love to hang on to things ‘just in case’ we need them. The reality is we will often buy things we really don’t need, or will be given gifts that are not really to our taste, so we hide them away. Well get out all those ‘things’ lurking in the cupboard and make some cash.

Start in one drawer, and then move on to the next. Don’t try and do it all in one day, as sometimes that task is just to momentous and you will lose interest. Start small and keep building the collection of items to sell. If things are rubbish, then toss them. If they are still in decent condition, you can donate them or use some of the following suggestions to find buyers for all this loot.

GARAGE SALE – This is the quickest way to make cash from your unwanted goods. Hosting a successful garage sale only takes a little bit of effort and requires you not placing unrealistic expectations on how much you want to receive for your items. Make sure you place an ad in your main newspaper, the small investment will be returned with lot’s of shoppers. Just putting up signs at the end of your street will not bring enough visitors. Make sure you present your wares in a neat fashion. Use tables if possible, hang clothes, and anything that is going on the floor should be on blankets or sheets. Price everything and then be prepared to bargain.

WEEKEND MARKETS – Have become a mecca for bargain hunters and sellers alike. For a small fee you will be allotted a car park size space for you to display your wares. The same rules of presentation apply at markets. Be prepared for an early start, and by noon you can be on your way home with cash jingling in your pocket. Whatever does not sell can be donated as many markets have donation bins near-by for that purpose. Try and put your items in the bins provided and not just on the ground in front of them, or more than likely your items will be on another persons market table next week.

EBAY – Setting up an account with Ebay is free, and non-commercial sellers can place up to 30 advertisements at no cost per month. They often have special weekends where you can list up to 100 items free of charge. You will only pay fee’s if you sell your item. You will also need a Paypal account, again free to set up. It makes financial transactions for buyers and sellers safe and convenient. Ebay is great for small items that don’t attract high postage charges. Unless your larger items are of high value that could get lot’s of bidders trying to win it, keep Ebay for the smaller and lighter items. Good quality pictures is one of the tricks to successful selling on Ebay. If the picture grabs the attention of buyers you have a much better chance of making good money.

GUMTREE – Is a completely free service that connects your items with buyers in your area. You don’t pay fees if you make a sale. As your buyers are local and will be coming to you, this is the best way to sell off large, bulky items that would attract very high postage fees. Things like garden equipment, unused sporting goods, artwork and furniture are great contenders for this sight. Setting up an account is quick and free.

FACEBOOK – Is growing in popularity as a way to sell off unwanted items, again with no cost to you. A quick search will find a host of ‘Garage Sale’ pages that cover your local area. There are 4 for my local area, and I have used this method to clear unwanted items. Most of these pages will require you to set up an album with your photo’s and descriptions of them items, and everyday you can add a small comment to your listings to bump them to the top of the page until it is sold.

WEEKEND SHOPPER – Most newspapers have a shopping section in their Saturday additions. You used to have to pay to list your items, but competition from other selling sources, saw the listing fee’s abandoned for items that cost less that $500.00. Place your ad by Wednesday night for inclusion in that Saturday’s addition. You just need to make sure you are home on Saturday in case you get calls from prospective customers who would like to view and purchase from you.

So get cleaning and clearing out and within a short space of time you
will see a pile of cash growing in front of you!

What is your favourite way of turning household junk into cash?

Garage Sale

Nikki Morgan is a Natural Therapist, Author, Bargain Queen, mum to two gorgeous teens and can often be found with a glass of Sav Blanc in hand, blogging away at her little piece of cyber-space Wonderfully Women.com

This post has been shared with Essentially Jess for “I Blog on Tuesday” IBOT

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Is your “Weakness” Breaking Your Budget?

Shopping WeaknessI’ve just asked my husband what he thinks our weakness is and he says take-away food and alcohol.  I agree.

They are the things likely to send our budget off the rails.

I then asked whether he is willing to give up takeaway and alcohol for one year to save money? … “No!  Absolutely not.  No way”, he says!

I agree that everything has a price.  So I start asking him … would you give them up for an overseas holiday? or an integrated beer keg? (his dream)

He starts getting cranky with me … I’m asking these questions while the football is on!

The concept of saving and sacrifice is something I am familiar with.  When your budget is tight, it’s unlikely you are going to splurge on a luxury item like fancy designer boots, a weekend mini-break with room service, a 5 star silver service dinner with limo service or my husbands dream … an integrated beer keg system (urgh)!  Who can justify things like that when you’re struggling to pay a mortgage/rent, buy groceries and clothe the family!

The only way I could justify buying my dream item, is to specifically set it as a goal and either work harder to earn extra money for it, sell things for it, or save for it.

However, when you feel like there is nothing left to put aside … what do you do?

First of all, make it visual.  Put together a scrapbook or folder with a collage of photos, ideas and notes of your dream item.  If it’s something as simple as a pair of boots, then simply post photos of your dream boots in your wardrobe, on the fridge, on your desk at work.  These photos and scrapbooks are to serve as reminders and inspiration to stick with your plan.

The Plan.  Work out how you’re going to achieve your dream.  Will it be to earn extra money, sell items, save, all of the above, or something else!?  Whatever it is … make it debt free.  Don’t fall into the trap of borrowing or loaning money for a non-essential luxury item.

To achieve something I never thought I’d have … I could give up takeaway and alcohol.  Not easily though.  I’m very addicted to my weekly treats, but I could certainly be persuaded to give them up for a one off luxury that I wouldn’t even dream of getting normally.  Particularly when I do a chart (like the one below) and work out how much money I could have after just one year.

How much do you spend on your treats?

Let’s see how much money you could potentially save … here are some examples.  Maybe you could save even more!

Item

Per Week / Per Person

Per Year

Coffee $17.50 $910
Magazines $6.95 $361.40
Take-away Food $20.00 $1040
Gambling $5.00 $260
Cigarettes $30.00 $1560
Alcohol $15.00 $780

** when doing your calculation – remember to calculate how much you spend per couple, or per family

Now $1000 may not seem a lot of money to put aside to give up your favourite treat.  But just think how proud you’ll feel when you can buy that one luxury item that you never thought you’d own.  After just one year!  I’m thinking “this time next year, I could have a Hot Red KitchenAid”.  Yeh, big thrills you say … but at the moment, there is no way I could afford one.  So what have I really got to lose?

Tracking.  Together with your scrapbook and photos for inspiration, you need to track your savings.  Every pay day, or end of month, you will get a thrill to see how much money you’ve put aside, and you will be one month closer to your goal.  Make your “tracking” visual again by putting a copy on the fridge or next to your scrapbook to serve as a reminder and inspiration.  Click here for our free “Achieve Your Goals” printable.

Fail.  If you fall by the wayside and have a terrible month with your savings, then don’t stress yourself, and most importantly, do not quit!  We all have those moments when life takes us by surprise and we have a setback with our plans.  Just try not to have it happen too often, and get back on that horse and keep going!

Spend and enjoy!  Before you know it, twelve months have flown by and you have cash to flash!  Congratulate yourself, spend up and enjoy the thrill of having achieved your goal.  Then you can sit down and work out whether you want to go back to your old habits, or whether you want to go through the exercise again and enjoy another treat the following year!

Tell me … what is your weakness … and what is it worth to you?

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Keep Warm this Winter without the Heater

Has winter come on us early this year?  Balmy Brisbane is anything but balmy today.  I’m loathe to turn on the heater until absolutely necessary, so I’ve put together a list of things to do to keep us warm for Undertendollars.

Click here for printable list to stick on your fridge as a reminder.

Let’s have a look at some ways to keep warm before turning on the heater.

Windows and Doors

  • Head to the local hardware store and ask for the products that can help seal your windows and doors.  Weather strips are easy to install, and inexpensive.  Grab some gap filler for the cracks in your walls too.
  • If you can’t afford to install weather strips, simply place a towel in front of the draughty window or door.
  • Check the outside temperature … if it’s warmer, open your doors and windows … if it’s colder, then shut them tight!
  • Close your indoor doors to un-used rooms.  This will give you another barrier from the outdoors.
  • The thicker your curtains, the more insulation you have.  If the sun is streaming outside, open the curtains and let it in … then close them once it’s gone.

Lounge roomFlooring

  • Put down rugs and/or carpets.  Warmer on your feet than floorboards and provide another layer of protection from the cold temperatures underneath.

Ceiling

  • If you can afford it, insulate the ceiling space with batts.  It only takes a weekend, and if you have a handy hubby, you can DIY.
  • Put the ceiling fans on reverse.  Instead of the warm air rising to the ceiling, the fan will circulate it around the room more evenly.

Get in the Kitchen

  • Cook.  Stews, roasts, casseroles, soups.  Get out all your oven recipes and do a batch of dinners.  To save on electricity, try cooking as many meals as you can in one sitting.
  • Leave the oven door open when you’ve finished cooking to continue warming your kitchen (don’t do this if you have children – or do it after they’ve gone to bed)
  • Drink warm beverages … hot chocolate, tea, coffee, warm milk or even warm water with some lemon to get some warmth into those bones.
  • When you boil the jug, fill a hot water bottle at the same time.
  • When you microwave food, put the heat pad in as well.

Clothing

  • Dress warmly.  Beanies, scarves, gloves, slippers.  Layers and layers and more layers.  If one pair of socks isn’t enough, put on another pair!
  • Wear a singlet or long sleeved thermal top 24/7.
  • Sleep with your socks on.

Home Decor

  • Gather all your blankets and leave them in convenient locations.  Layer them over your armchairs or lounges, or place them in a basket in the corner of the lounge.  Offer them to guests and wash regularly.
  • Make sure some of those extra blankets are placed at the end of your bed too.
  • Flannelette sheets and pillow cases are so much nicer than chilly cotton ones!
  • If you are going to turn on the heater … make sure heat vents, radiators and heaters are free of obstructions … otherwise that lovely warmth won’t reach you.

Move!

  • Exercise.  Do laps around the house, situps, pushups, play “row row row your boat” with the kids, go for a run/walk … whatever you can think of!
  • Housework.  Get energetic with it and work up a sweat … with a bonus, the house is clean too!
  • Go out.  Hit the shops, library, gym, indoor heated pool, friends house … wherever you know the heat is on!

Walking in winterGet Friendly

  • Cuddle.  Pets, husbands, kids … anything with some warmth!
  • Share your space with others.  The more bodies in one room, the more heat is generated.
  • If you have kids, create an indoor cubby house or tent … all those little bodies in one closed space would be very cosy and warm … get in and join them!

Don’t forget to click HERE for the printable list to stick on your fridge as a reminder.  Our electricity bill triples in winter … so my goal this year is to bring it right back down!  Good luck staying warm everybody!

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Dating for Undertendollars

Somebody close to me is going on a date tonight.  I still remember the excitement of ‘dating’, especially when it’s working out and you have found someone you can enjoy spending time with.

One of the hardest things about dating if you’re on a budget, is the cost involved in firstly making yourself look beautiful and having a different outfit to wear for the first few dates, and then the cost of meeting outside the home and paying for drinks and dinners.

Budgets and costs should not hinder your fun however.  Here are a list of some fun and romantic Dating Ideas to ensure a successful outing without running up your credit card bill.

Dates don’t always have to be at night time, so you should search the internet for some activities held during the day, like a free concert in the botanical gardens or a festival where you can get some free entertainment, like the upcoming Redcliffe Kite Festival.  Subscribe to some local websites that offer entertainment discounts or ideas so you can be emailed whenever there are upcoming events.

A stroll through the local markets can incite some good talking points and then sit on a blanket with a cup of coffee and enjoy some people watching.  Walking is free and there are plenty of walking tracks in scenic locations where you can enjoy fresh air and good conversation.

A picnic under the stars is very romantic, particularly near a beach or overlooking the city whilst the sun is setting.  Once you get to know the person well, you can take turns having dinner at each other’s homes.

The local pub or RSL offer regular trivia or bingo nights where you have free entertainment at the cost of a drink.  It also helps to break the ice if you’re just starting out and is a great way to introduce friends without feeling intimidated as well.

Find out their favourite movie star and organise a surprise movie night at home (featuring their star, of course) with homemade popcorn, lots of comfy cushions and candles.

Those were just some of our ideas to get you started.  Good luck if you’re dating and even if you’re with a longtime partner you can try some of these ideas for Undertendollars (and feel free to share with us some of your own).

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Breaking Habits

My focus this week is learning how to Break Habits.  Since becoming ‘of age’ and ‘maturing’, I’ve always thought of myself as being “a good girl”.  I am still in my 30’s for those of you who think I sound like an old granny!  But if you had asked me if there were any habits I’d like to break, I would normally say no.  Because only ‘bad girls’ need to break habits.

The thought of become “middle aged” crossed my mind recently and I decided to write a Bucket List.  My bucket list then turned into a Lifestyle List.  There weren’t so many things that I’d like to do … rather, they were things I’d like to achieve.  For example, one of the items on my Lifestyle List is that I would like to have a fit and muscular body, and enjoy a healthy diet and not desire junk food.  Pretty vain, I know.  I haven’t got to the one about world peace blah blah.  That’s for another day.

In order to achieve this particular item, I need to break some habits.

So I started a diet a week ago.  A new diet.  I’ve been trying to diet for over a year now, but this is officially a new diet to go with my new list.  For those who know me, they will say I’m not fat, and this is true … but doesn’t everyone have a dream, ideal body?  Well that body ain’t going to come if I don’t do something about it!

So I broke my first habit today.  After my monthly work meeting, I drove home and did not stop at KFC!  Saved me ten dollars too (I knew you were wondering how this fit into Undertendollars!!).  Mind you, it was after I stuffed myself at the work meeting with M&M’s, Maltesers, Cinnamon and Apple Bun Loaf, Crackers and Parmesan Pumpkin Dip, Rockmelon, Grapes and Watermelon, Cup of Tea and a Flat White.  I had every intention of staying on track by starting with the fruit … but the temptation was too great and the other foods jumped on my plate too.

But I broke my habit!!!  Right?

Are you trying to break a habit?

KFC

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No Bake, Super Fast and Healthy Entertaining Platter for Undertendollars

One of my tasks for this month is to come up with a series of foodie ideas to entertain our friends with for Undertendollars!

This was a lot harder than I anticipated! I have been pouring through books and blogs for recipes using similar ingredients for under ten dollars, and it is no easy feat! Now I’m not talking about one cake here … I was hoping to do a collection of 4 – 5 sweet or savoury treats, and I found the task quite difficult!

Would you like to take on the challenge!?

I am not defeated however. I plan on putting together another little blog in the near future on Entertaining with Pantry Basics … so watch this space!

But for today’s little adventure, I have come up with a No Bake, No Cook, Easy to Prepare, Super Fast and Healthy Entertaining Platter for my 5 Best Friends for Under Ten Dollars. Pretty impressive huh!?

So next time you’re thinking it’s too hard, or too expensive to have some friends around for nibbles, think Undertendollars!

Undertendollars Platter
(please note, this is not a paid post by Coles … I just happen to have easy access to their online price list. Am sure you will find similar prices at other supermarkets)

1 x Pears William Bartlett loose approx. 140g each = $0.42
1 x Coles Cheese Brie Wrapped 125g = $3.00
1 x Coles Crackers Water Cracked Pepper 125g = $1.00
1 x Always Fresh Olives Green with Herbs 70g = $2.16
1 x Coles Brand Dip French Onion 200g = $2.30
2 x Carrots loose approx. 170g each = $0.68
1 x Celery Pieces approx. 75g each = $0.35

Total Price $9.90

Platter

 

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Save On Your Groceries

This week, we managed groceries for under $100.  Considering our grocery bill is usually around $200 per week, this was a massive saving for us.

A great way to save on your groceries is to take advantage of your current supplies and see how many meals you can get out of them.  I was lucky enough to have a stash of meat in the freezer, which inspired me to use it up, along with a bunch of stuff in the cupboard.   See how we did it … and perhaps get some ideas for you to do it too!

BREAKFAST is usually cereal, fruit and toast.  I bought some baked beans to have on toast and a box of cereal which was on sale.  Total price $5.00

LUNCH:

MON: Simple salad with tuna
TUE: Sandwich with meat (meat is leftover sliced roast meat found in the freezer);
WED: Curried egg sandwich;
THU: Crackers with tuna, tomato, cheese, cucumber;
FRI: Leftover Salmon balls and garden salad
SAT: BLT’s (bacon found in freezer)
SUN: BBQ Sausages and bread (again, sausages in freezer)

SNACKS: we have a supply of dried fruit and biscuits already in the cupboard.  Needed to buy fruit for morning tea (not included in this price, see list below), a bag of carrots and dip, yoghurts, cheese block (drats, had to buy this week), and a bag of chips for Sunday arvo.  Total cost: $17.88

DINNERS:

Jacket Potatoes with Chilli Con Carne Topping: I had a tiny bit of taco mince leftover from a previous meal.  I’m going to make it go a bit further by adding a tin of tomatoes and a small tin of kidney beans (which I already have in the cupboard).  I also include a bit of a salsa salad with these.
Total cost $9.41

Sausage, egg and vegetable pie with frozen chips: I had sausages and frozen pastry in the freezer.  I needed to buy the fresh ingredients.  Eggs and milk included in staples below.  This is a Friday night dinner where I’m going out and the kids and hubby are left to their own devices, hence the chips!
Total cost $4.80

Salmon Footballs (like salmon cakes, but made into balls) and Italian Garden Salad:  I had tinned salmon, juice, sauces and breadcrumbs in the cupboard, and chopped up shallots stored in the freezer.  Egg and Garden Salad included in staples below. Just needed to buy a potato!
Total cost $0.72

Spaghetti Boscaiola: I had spaghetti and olive oil in the cupboard.  Leftover ham from Christmas and garlic bread  in the freezer.  Needed to buy mushrooms and cream.  Parsley from the garden.
Total cost: $3.41

Steak with Tasty Ham & Macaroni Gratin and Garden Salad:  I had steak, shredded cheese and leftover Christmas ham in the freezer.  Macaroni, cornflour, breadcrumbs, olive oil in the cupboard.  Needed to buy a brown onion and  evaporated milk for macaroni.  Garden Salad included in staples below.
Total cost: $4.62

Chicken with Thyme Butter Sauce and Vegetarian Risotto: This was a real cheats meal.  I had leftover risotto in the freezer, but it was vegetarian so nobody wanted it.  Hubby accepts it as a side dish however!  I had all the ingredients for the Chicken dish, so needed to buy nothing here!  Recipe for Chicken and Thyme Butter Sauce here.
Total cost: $0.00

Chicken Stroganoff: I had rice, chives from the garden, and a jar of Chicken Tonight Stroganoff which I had purchased on special ages ago.  I just needed to buy mushrooms and a brown onion.
Total cost: $2.54

STAPLES:  Eggs, milk, bread.
Total cost: $9.80

GARDEN SALAD:  This was enough for 2 x dinners and 2 x lunches.  Tomatoes x 7, Lettuce, Cucumber x 2 (already had a jar of olives in fridge, and crumbled feta in freezer).
Total cost: $8.34

FRUIT:  Apples, oranges, rockmelon, pears and watermelon
Total cost: $15.15

EXTRAS:  I did have to buy other supplies including capers, gravox, canola oil, plain flour, vinegar, tissues.
Total cost: $16.02

GRAND TOTAL PRICE: $97.69

Groceries

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Swap This … For That!

Do you consider yourself to be frugal?  Why deprive ourselves of the things we enjoy?  Perhaps try to cut back on some items or swap them for something else. So when it is time to enjoy them, you can really appreciate it, because it is a special treat, rather than an everyday occurrence.

If you are trying to save money, or cut back on your spending, consider some of these options. You might find they also help with your health, your waistline and your quality time with friends and family!

SWAP this …

Television (in particular, PAID tv), for Free tv (or read a book, play with kids etc).  Join a club or start a hobby.  If family members are watching the same tv show in different rooms, then meet up and watch it together.  The Gym for a good walk.  Run up/down steps, use park equipment, do sprints in the backyard with your kids and use your kids as weights!  Alcohol every night for alcohol only on Friday or Saturday nights.  Get involved in some home brew as well.  Expensive artwork for some art made by a local artist or amateur, or try your own hand at painting on a canvas.  Check out flea markets, ebay and garage sales.  Print some of your own photos, and frame funky posters.  Bakery purchases for some home cooking, or buy items on special at the supermarket and freeze them for a later date.  181911_10150147230162650_6147389_nAirconditioning for ceiling fans and insulation.  Go outdoors and sit in the breeze.  Heating for another layer of clothing or blankets.  Install insulation and seal off draughts from doors and windows.  Go outdoors and run!  Bought lunches for home made sandwiches or leftovers.  Takeaway coffee for a hot thermos.  Makeup for keeping your face as natural as possible and only wearing makeup when you go out for special occasions, or work.  Laundry loads for planning laundry days and requesting all family members to stick to the plan.  Dry your clothes on the line, and if it’s raining, have temporary lines available around the house. My girlfriend’s father put a padlock on their dryer – most hilarious!  Cooking in summer for using natural, raw products – salads and bbq’s.  Cook in bulk and put in freezer for easy microwave reheating.  Takeaway regularly for restricting it to once a fortnight or month.  IMG_20130106_162258Electronic games for Outdoor games.  Gardeners and Cleaners for doing it yourself!  Or meet halfway and get them in once a fortnight, and you do the alternate fortnight.  Make chores into family fun activities, like washing the car. You could even offer a car-wash for the whole street and make a few dollars!  Fresh Flowers for home grown, or fabric.  A pot with a plant can be cheaper, and can still be very effective in the home.  Alternatively, save your fresh flower purchases for very special occasions (once a year).  Dinner Out for dinner in with friends.  Outdoor picnic’s are great.  And if you are going out, try eating something small before you go.  Movie theatres for home movies, DVD’s from the library, and home-made popcorn.  Theme Parks for the beach, park, Southbank, waterfalls, family fun days and fetes.  Fancy Restaurants for outdoor picnics in romantic locations, or chip sandwiches by the water.  Expensive Gifts can be lovely but not always necessary.  Plan ahead and be thoughtful. A gesture or gift under ten dollars can still be just as effective.  Use our gift register … whenever you think of a great gift idea, put it in the register and you won’t be stuck for ideas when it comes to crunch time.  The hairdresser for doing it yourself, or have a girls night in and colour each others.  Longer hairstyles require less visits to the hairdresser.  Chips, lollies, junk food for limiting them to special occasions, or once a fortnight with your takeaway.  The car for walking, biking or public transport.  Do you need his/hers and kids’ cars? Perhaps you could take turns on public transport, bike ride or walk – and live to tell the tale!  Herbs and veggies for home grown. Relaxing for adults, and makes for a great activity for the kids.  Fixing cracks, scratches or holes in walls, floors, furniture for covering them up! If you can’t afford to fix it properly, then cover it up with posters, blankets, decorations, books etc.  JewelleryNew clothes for new accessories.  Visit op shops / ebay / garage sales / flea markets.  Out for dinner for out for breakfast or lunch instead.  New books / dvd’s for visiting the library, garage sales, flea markets.  Lights for candles.  Turn lights, fans, aircon etc off when you leave a room.  Mulch for compost, and make your own mulch.  Professional Photographers for diy photo shoots. Hang a sheet, put on your best clothes, set up some lights and take your own pics.  Spend for save. Have cash before you buy something. Take cash with you when you go out, instead of having full access to your savings and credit cards.  Pantyhose for leggings, long skirts or pants, or just great bare legs.  Cleaning products for vinegar and water (which never really worked for me), until I teamed it with the microfiber cloth, and now it works wonders! We use it on windows, bathrooms, kitchens, floors. The only cleaning products I use now are bleach when the humid weather here brings on the mould, and toilet cleaner (for inside the loo) just because I like the bubbles and smell!  Birthday, anniversary cards etc for making your own or discount store cards for $1.  If you’ve forgotten a birthday, or have run out of time … an ecard with a lovely letter will also be nice.  New Toys for toy library.  Put a list together for Christmas, instead of buying kid’s new presents all the time, save them for a special occasion.  Take advantage of hand-me-downs, and shop at ebay / charity stores.  Instead of new toys, you could play old-fashioned games with your kids or join a playgroup.  Babysitters for making arrangements with your friends and/or family, and agree to do it for them also.  Meat for vegetarian meals.  Boost rissoles and mince meals by adding oats, and lots of vegetables.  Shopping for another hobby, go and volunteer, do some exercise, join a club or get a second job.  Girls hair ribbons for the bits of ribbon from inside your shirts to help hang them on a hanger. They are just annoying and end up sticking outside of your shirts when you wear them anyway, so cut them off and use as ribbons in girls ponytails…perfect as you have two equal pieces.  Beauty services for alternating one week for the paid service, and one week of DIY.

TIP: When buying gifts, or even items for yourself: buy the best you can for the money you have. Don’t go ‘cheap’ by buying imitation or budget to compensate.

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Christmas Hangovers

Is your credit card showing signs of wear and tear after the festive season!?

We all know that putting a little money aside each payday for Christmas will make the hangover less painful. But who really does that? There are lots of programs and organisations who will offer Christmas packages and payment plans to assist. However, this is something you can easily do yourself.

It’s not only Christmas that hurts the budget. There are Birthdays, Mother’s Day, Valentine’s Day, Anniversaries … and the list goes on, especially those bought at the last minute.

One way to ease the pain, is to put together a list of all your friends and family, and budget how much you are going to spend on them for the year. This is a great way to view your list in advance, and plan for some bargain shopping at sale time.

Or, you could use the undertendollars Gift Register template!