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Posted by Stacey West (NH/MA) on 3/17/2017

Keeping up with household expenses can be a daunting task. Service providers are making it easier than ever to set up auto-pay features for their products. Furthermore, playing with credit cards makes it seem like you hardly ever have to look at your account balances. Unfortunately, that can make it easy to go over your allotted budget each month. That’s where the home budget app comes in.

In recent years, a growing number of budgeting apps have hit the app stores. You could scroll for hours through all of the various apps, comparing their needs. Fortunately, we’ve done the hard work for you.

Some apps are geared towards families, where others are designed for a single user. Some sync with bank accounts and others depend on your own input to keep track of your expenses. In this article, we’re going to break down some of the best budgeting apps for keeping up with your household and living expenses.

HomeBudget

If you’re hoping to split expenses and plan your budget with your spouse, family, or roommates, HomeBudget is a good place to start. With HomeBudget you can assign one person to be the payee, making it easy to determine who pays certain bills.

You and your family members can also assign expenses and attach images of your receipts to see who paid which bill.

At the end of the month, you can view reports that will tell you if you stayed under budget. You can then compare the month’s budget to the previous six months and decide if you need to increase your budget or try to cut some expenses.

YNAB: You Need A Budget

If you’re new to budgeting or are having trouble paying off debt, YNAB is the budgeting tool you need. Aside from keeping track of your spending, YNAB is also a learning resource. Signing up gives you access to budgeting tips and information that you may not be familiar with.

YNAB links up with your bank accounts to tell you just how much you need to save each month in order to keep up with everyday expenses like mortgage payments and utilities, and get out of debt.

Mint

Mint is designed to be your one-stop shop for all things financial. It combines your bills, bank accounts, student loans, credit cards, and more all in one place.

Mint enables you to track your spending, plan a budget, and gain access to resources like free monthly credit scores.

Unsplurge

Having an organized budget is a reward of its own. But, if you need even more of an incentive, Unsplurge is here to help. With Unsplurge, you can focus on saving up for a goal. You’ll get updates when you save enough to “splurge” on your goal.

It’s a great tool for people who like to see their progress and feel the sense of accomplishment when they meet their objective.


Now pick the app that sounds right for your needs and get started with saving money and managing your household budget today.




Categories: Uncategorized  


Posted by Stacey West (NH/MA) on 8/26/2016

Many people are averse to shopping at the dollar store because they assume that the quality of the items there are inferior to those at other stores. Others simply assume that since many of the products aren't recognized name brands that they aren't good products. However, there are some dollar store deals that are always worth the dollar. One issue that many people have in a dollar store is that they walk down the aisle filling their carts with impulse buys thinking, "It's just a dollar." But those dollars add up and you'll find yourself buying things that you don't really need or items you could find cheaper by buying in bulk elsewhere. In this article, we'll cover some of the most useful items that you can find at your local dollar store.

Holiday and party supplies

Let's face it, the kids don't read their cards or observe their wrapping paper. They're more concerned with what's inside. When it comes to party prep, you can save a huge amount by buying everything at the dollar store. With the exception of paper products like napkins and paper towels, you'll get more for your buck at the dollar store. Some items to look out for:
  • balloons
  • plastic cutlery
  • large tin food containers
  • cards
  • wrapping paper

Tool kit supplies

If you don't feel like going outside to your shed every time you need to tighten a screw, or if you live in a small space and don't want bulky tools laying around, making a small toolkit is the way to go. And the dollar store is the place to start. Buy a small, empty toolbox and fill it with items from the dollar store. Some useful items to include:
  • nails and screws
  • hooks and hangers
  • screwdrivers
  • pliers
  • adjustable wrench
  • tape measure
  • super glue
  • tape
  • a pair of work gloves

First aid items

Every home and every vehicle should have a first aid kit. However, good kits can be expensive and the items within them have expiration dates. Rather than spending a lot on a kit you (hopefully) never have to use, fill a small box or bag with first aid items from the dollar store. Some first aid essentials to put inside:
  • assorted band-aids
  • burn cream
  • medical tape
  • antibiotic ointment
  • support bandages
  • small scissors
  • gauze
  • antibacterial wet wipes
  • aspirin
  • hot or cold compress

Cleaning products

Not every cleaning product will be cheaper at the dollar store. And for products you use often it might make more sense to buy in bulk online or from a wholesale club. However, there are some cleaning items that you will almost always save on at the dollar store. The key to saving on cleaning supplies from the dollar store is to buy generic brands. They often contain the same ingredients and are sometimes even made by the same manufacturer. Sometimes the only difference is that dollar store products may be diluted more.

Kitchen Utensils

Most dollar stores have a large kitchen section that includes useful items like various sized spoons and spatulas. You can also find other kitchen essentials like sponges, dish scrubbers, sink stoppers and strainers, measuring cups and much more.  




Categories: Uncategorized