Planning for Lower Tax Returns and Child Tax Credits

As part of the American Rescue Plan, the government started sending out some much-needed relief for those with children. However, unlike the stimulus checks, these monthly payments that lasted from July-December 2021 weren’t money people wouldn’t already receive. Instead, they were advanced tax return payments.

So, what exactly does this mean for you? A lower tax return. With the payments ending in January, many people are worried about not having that extra boost to their finances as well as how to budget for a tax return that’s possibly significantly less than what they’ve received in previous years. Read on to learn how to survive without the child tax credits and move forward with your lower tax return.

Reconfigure Your Budget

A lot of people found the child tax credit payments kept them out of debt, and it can be terrifying to think what can happen when you’re not receiving those payments anymore. The first thing to do is reconfigure your budget. Has your family been making more frivolous purchases since receiving the payments? Are you a little looser with your money in general, such as buying name brands instead of generic? Take the time to see where you can trim the fat on your budget to save some extra money. Many people find they can save money in little ways throughout the day that quickly adds up.

Look at Social Programs

We understand that many people needed these payments to survive, and removing them is causing a severe dent in their finances and adding unparalleled stress to their lives. Luckily, those in need can qualify for an assortment of social welfare programs to give them a hand up. From local food banks to EBT, you and your children won’t need to go hungry until you receive your tax refund. Help doesn’t end at food either. Depending on your state, you may be able to receive reductions or assistance on your utility bills, help on rent or welfare payments. Now is the time to take full advantage of these programs and receive aid.

Increase Work Hours

Have you reduced your work hours to spend more time with your kids? Now is the time to look to returning to your previous work schedule. If you worry about daycare costs, consider trading off babysitting on days off with co-workers so you can both work more than you have over the past few months. If your job simply isn’t cutting it anymore, or if you can’t increase your work hours, look at applying to other jobs that will pay you the salary you deserve.

Prepare for a Smaller Refund or Paying It Back

As tax refunds are filed, many Americans will find they will receive a smaller refund or even need to pay back their payments. This can be devastating for families that rely upon a certain refund amount each year. Take a deep breath and look to file your taxes early so you know exactly how much you’ll receive as well as whether or not you’ll need to pay anything back. By preparing your finances, you’ll be able to budget smarter and know exactly what to expect.

Pay Off Debts

Your refund amount will depend on a variety of factors, but now is the perfect time to work towards paying off debts. Lower those credit card balances and catch up on past-due bills so they aren’t hanging over your head in 2022. Oftentimes, we’re able to catch up more than we may think. By lowering your debts, you’ll have more money going forward being you won’t be spending your hard-earned cash on interest or late payment fees.

Place Funds in a Savings Account

When you receive your tax refund, place it in an interest-bearing savings account, even if you think you’ll spend it quickly. This will allow your money to grow, even if it’s just a few extra dollars a month. Try to keep your money in your account as long as possible to earn as much interest as you can on your refund.

Invest (If You Can)

Don’t worry; we’re not telling you to go buy a ton of Tesla stock. However, investing your money can reap financial benefits for you and your family for years to come. With an assortment of investment apps now available, you’ll find you’re able to invest quickly and easily in companies ranging from tech conglomerates to small startups. Remember though that the stock market is not guaranteed to make you a return on your investment, so take the time to research which companies financial experts recommend and save some of your refund in a savings account for emergencies.

Hold Off on Shopping

Many people will go shopping the moment they get their refund, and retailers count on this. During the spring, most companies won’t have their best prices, counting on people to make impulse purchases with the excuse that they have their tax refund to help them out. Instead of spending your money on big purchases right now (like televisions, appliances, etc.), look to make bigger purchases in the summer months, when companies will be more likely to give you a better deal.

Space Out Your Refund

You’re receiving a tax refund? Great news! Now comes the time to save and space out your purchases. If you can, look to create your own child tax credit payment system by allocating yourself the same amount of money (or lower, if doable) so you can have a steady stream of income over the coming months. If you must make a big purchase or pay off a large debt, look to save your remaining money for as long as possible.

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Planning for a lower tax return and reduction in child tax credits can feel like an uphill battle; however, with proper planning, you can soften the financial blow. By looking for ways to prolong your money, like reconfiguring your budget, putting funds in a savings account, paying off debts, spacing out your refund money to last you for several months or taking out a small dollar installment loan, you can build a healthier financial system for you and your family.

Best Places to Travel in the Winter on a Budget

The new year is upon us, and many people wrote “Travel More” as part of their New Year’s resolutions. Luckily, the new year brings new savings for those looking to travel on a budget during the winter months. Winter traveling offers a host of benefits for those looking to take a vacation on a budget, ranging from cheaper airfare to great hotel deals due to many destinations considering the winter months their off season. However, savvy travelers can still score great deals for nearly any locale they wish to visit. Read on to learn more about the places to travel to this winter that won’t break the bank.

Hawaii

Hawaii offers several destinations, with O’ahu, Maui and Hawai’i (the Big Island) leading the pack, and all have their own unique vibes. Most people will travel to Honolulu, O’ahu this winter, the state’s capital, to visit mainstays like Waikiki and the Polynesian Cultural Center. While Honolulu definitely offers a lot of different activities for travelers, those who want a different atmosphere that’s not saturated with tourists may want to visit a different island. Hawai’i gives a more laidback atmosphere, allowing plenty of time to explore the island’s natural wonders (including volcanoes!). Maui offers a more luxurious vacation experience, with an assortment of large resorts and boutique hotels dotting the island. Those looking to save a little bit will likely want to visit Oahu or Hawai’i, with both offering affordable hotel and airfare rates.

Puerto Rico

An island paradise without a passport? You’ll find it in Puerto Rico. With a plethora of beaches, ranging from Las Salinas’ pink sand to the glow-in-the-dark Mosquito Bay, restaurants and historical San Juan, Puerto Rico has a little something for everyone. Roundtrip air travel can be as low as $150/person to San Juan, making this a much more affordable tropical destination than other places on our list. Because Puerto Rico uses the U.S. dollar, travelers don’t need to worry about currency exchange rates and plush, luxurious resorts cost much less than you probably expect.

Spain

Europe on a budget? It’s easier than you may think if you want to visit Spain. Barcelona, Madrid, Costa del Sol, and Seville offer unique experiences travelers will love. Temperatures during the winter months hover between the 40s-60s in most areas, making it a cool but comfortable destination for nearly anyone. Flights can easily be obtained for under $1,000/person while hotel rooms and food are some of the lowest on the continent. With an assortment of museums, restaurants, festivals and local charm anywhere you visit, Spain will quickly become both you and your family’s favorite winter season travel destination.

Lucerne

Not everyone wants to visit the tropics during their winter getaway, and that’s what makes Lucerne the perfect destination for those who want a cooler holiday. This Swiss town will get anyone in the holiday spirit, offering plenty of cheer thanks to numerous ski resorts and markets as well as plenty of spots for snow-centric activities like snowshoeing and sledding. The variety of hotels in the area means lower prices for those wanting to visit, with many offering rooms for a little over $100/night. Save even more by booking red-eye flights which will also give you the benefit of cutting down on your jet lag.

Quebec City

Don’t want to travel all the way to Switzerland? Quebec City lets you get your snow-covered vacation right here in North America. With chilly temperatures and plenty of the white stuff, Quebec City will quickly become one of your favorite travel destinations. Historical Old Quebec features plenty of shopping and restaurants decked out in holiday décor to put you in the festive spirit while those wanting a more activity-based vacation can go ice skating at Place D’Youville or skiing at Station Touristique Stoneham. While Quebec City is famous for its Christmas décor, the city hosts an assortment of attractions during the winter months, including the Carnaval de Quebec in February. Save some money on your visit by driving or booking a mid-week flight to get the best deal.

Lake Tahoe

Once a hotspot for gangsters and celebrities, Lake Tahoe still has plenty to offer anyone looking for a relaxing winter vacation. With plenty of snow for skiers and snowboarders but moderate mid-day temperatures hovering in the 40s, this picturesque town on the California-Nevada will take your breath away. The casinos offer those who don’t want to go out in the snow plenty of gambling options while the numerous lodges in the area are perfect for cozying up next to a roaring fire. While winter months are the busiest in the area, budget travelers can find plenty of deals for 3- and 4-star hotels at under $200/night, especially if they don’t mind staying on the Nevada side (called Stateline).

Boracay Island, Philippines

Still a hidden gem for those looking for a tropical getaway, the Boracay Islands offer plenty of amenities and scenic views. The affordable prices allow travelers to take their vacation to the next level, getting an experience that would cost tens of thousands for pennies on the dollar. Smaller crowds from January to February means you won’t need to worry about fighting crowds while you snorkel, scuba dive or sunbathe on the beach. Mid-range hotels can be found for about $70/night; however, your food, drinks and activities are (usually) much lower in price than other locales on our list.

Taking a vacation during the winter months doesn’t need to break the bank. Whether you’re looking for a tropical location like Boracay Island or O’ahu or want something a little cooler like Quebec City or Lucerne, you can plan a luxurious vacation on a budget this winter. The main thing to remember when looking for the best deals is to have some flexibility on your dates, so don’t be afraid to shop around. Finally, planning your vacation in advance allows you to create a budget you can stick to. Where are you going this winter? What’s your favorite winter destination? Let us know below!

Winter Recipes

Cold winter nights make everyone want to feel cozy with full tummies. Far too often, our favorite winter recipes are time-consuming, and it can feel impossible to muster up the energy to make our go-to comfort foods. Luckily, we’re here to help! Keep reading to find your new staples for winter—without the hours spent laboring over the stove or oven.

Super Easy Meatloaf

This meatloaf will make everyone want the recipe.

Ingredients

  • 2 Pounds Ground Beef
  • 1 Egg
  • 1 Onion, Chopped
  • 1 c. Milk
  • 1 c. Crackers, Smashed
  • 2 Tbsp. Brown Sugar
  • 2 Tbsp. Dijon Mustard
  • 1/3 c. Ketchup
  • Salt and Pepper to Taste

Directions

  1. Preheat oven to 350 F. Lightly grease a 9×5-inch loaf pan.
  2. Combine beef, egg, onion, milk, cracker crumbs, salt and pepper into a bowl. Mix until just combined. Place in loaf pan.
  3. Combine brown sugar, mustard and ketchup in a small bowl. Mix well and pour over meatloaf.
  4. Bake for one hour. Let rest for 20 minutes once done.

Weeknight Meatball Soup

No one will know you made this soup in 30 minutes!

Ingredients

  • 3 c. Water
  • 2 (14 oz) Cans Diced Tomatoes
  • 5 Garlic Cloves, Minced
  • 1 Onion, Finely Chopped
  • 2 (14 oz) Cans Beef Broth
  • 1 Tbsp. Italian Seasoning
  • 1 lb. Frozen Mini-Meatballs (Italian-Style Preferred)
  • 1 lb. Frozen Italian-Blend Vegetables
  • 1 c. Elbow Pasta
  • ½ c. Parmesan Cheese, Grated

Directions

  1. Lightly saute onions and garlic in a large pot until onions are transparent.
  2. Stir in water, tomatoes, beef broth and Italian seasoning; bring to a boil.
  3. Add meatballs, vegetables and pasta; return to boil.
  4. Reduce heat to medium-low and cook for ten minutes or until pasts is tender.
  5. Garnish each serving with Parmesan cheese.

Quick and Easy Pumpkin Soup

Leftover pumpkin? Think outside pies and try this soup.

Ingredients

  • 2 Tbsp. Olive Oil
  • 1 Medium Onion, finely chopped
  • 3 Garlic Cloves, Minced
  • 1 Can Pumpkin Puree (15 oz.)
  • 2 Tbsp. Fresh Thyme
  • 1 tsp. Kosher Salt
  • ½ tsp. Ground Cumin
  • ½ tsp. Black Pepper
  • 1/8 tsp. Ground Ginger
  • 1/8 tsp. Cayenne Pepper
  • 2 c. Chicken or Vegetable Broth
  • 4 tbsp. Heavy Cream
  • Toasted Pumpkin Seeds for Garnish

Directions

  1. Heat olive oil in a dutch oven. Add onion and garlic, sauteing about 4 minutes or until fragrant.
  2. Add pumpkin, thyme, salt, cumin, black pepper, ginger, and cayenne pepper. Cook for about 5 minutes or until steaming and fragrant.
  3. Add chicken or vegetable broth, cooking for 3-4 minutes, continuously stirring.
  4. Remove soup from heat, add cream.
  5. Garnish with pumpkin seeds and serve.

Irish Coddle

This traditional Irish dish is perfect for cold winter nights.

Ingredients

  • ½ lb. Thick Cut Bacon
  • 1 lb. Sausage (use a high-quality sausage, preferably bangers)
  • 2 Large Onions
  • 2 Garlic Cloves
  • 2 lbs. Potatoes (Yukon Gold or Red)
  • 1 (32 oz) Carton Chicken Stock
  • 1 Bunch Parsley, Chopped
  • Salt and Pepper to Taste

Directions

  1. Preheat oven to 300 F.
  2. In a dutch oven, cook bacon until crispy and golden brown. Remove and place on paper towel.
  3. Brown sausage on all sides. Remove.
  4. Saute onions until carmelized. Add garlic and saute until fragrant (about 2 minutes). Remove.
  5. Remove pot. Add half of the potatoes to bottom of pot. Season with salt, pepper and ¼ parsley.
  6. Add half of onion/garlic mixture and bacon.
  7. Repeat layers.
  8. Place whole sausages on top.
  9. Add chicken broth. Place pot back on stove and bring to a boil.
  10. Cover pot; place in oven and cook for 2-4 hours. Check every hour to ensure an inch of liquid is at the bottom of the pot while cooking. Add more liquid if necessary.
  11. Remove from heat; season with salt and pepper to taste; add remaining parsley for garnish.

Chicken Pot Pie Casserole

Don’t worry about slaving over the perfect pie crust for this one! Instead, the flaky crescent roll dough creates a melt-in-your-mouth crust everyone will love.

Ingredients

  • ½ c. Mayonnaise
  • 2 Tbsp. All-Purpose Flour
  • 1 Chicken Bouillon Cube
  • 1 tsp. Pepper
  • ¾ c. Milk
  • 10 oz. Mixed Vegetables, Thawed
  • 1 ½ c. Cooked Chicken (Cubed or Shredded)
  • 8 oz. Crescent Roll Dough

Directions

  1. Preheat oven to 375 F. Grease 8×8 baking dish.
  2. In a large saucepan, whisk mayo, flour, bouillon and pepper together until smooth. Slowly pour in milk. Bring mixture to a boil. Cook and stir until thickened.
  3. Add vegetables and chicken to mixture; cook and stir until heated. Transfer to baking dish.
  4. Unroll crescent dough; separate triangles; arrange dough over chicken mixture.
  5. Bake until topping is golden brown (15-20 minutes).

Easy, Peasy Shepherd’s Pie

You’ll fall in love with this pie made with instant mashed potatoes.

Ingredients

  • 2 tbsp. Olive Oil
  • 1 Yellow Onion, Chopped
  • 1 lb. Ground Beef or Lamb
  • 2 tsp. Dried Parsley
  • 1 tsp. Dried Rosemary
  • 1 tsp. Dried Thyme
  • 1 Tbsp. Worcestershire Sauce
  • 2 Garlic Cloves, Minced
  • 2 tbsp. All-Purpose Flour
  • 2 tbsp. Tomato Paste
  • 1 c. Beef Broth
  • 1 c. Frozen Peas and Carrots
  • ½ c. Frozen Corn Kernels
  • 5 c. Mashed Potatoes (made from instant boxed potatoes)
  • ½ c. Parmesan Cheese
  • Salt and Pepper to Taste

Directions

  1. Preheat oven to 400 F.
  2. Add oil to a skillet and heat on high for 2 minutes. Add onions and saute for 5 minutes.
  3. Add ground meat to skillet, breaking apart with spoon; add parsley, thyme, rosemary, salt and pepper. Stir well. Cook meat until browned.
  4. Add Worcestershire and garlic. Cook for 1 minute.
  5. Add flour and tomato paste. Stir until fully incorporated.
  6. Add broth and frozen vegetables. Bring mixture to a boil and reduce heat. Simmer for 5 minutes.
  7. Place meat mixture into 9×9 inch baking dish, spreading evenly.
  8. Add parmesan cheese to mashed potatoes.
  9. Placed mashed potatoes on top of meat mixture, spreading evenly.
  10. Bake uncovered for 25-30 minutes.
  11. Let cool for 15 minutes before serving.

These quick and easy recipes are sure to keep you feeling warm and fuzzy all winter long. Which one is your favorite? What’s your winter recipe staple? Let us know below!

The Most Common and Do-Able New Year’s Resolutions

As you write out your New Year’s resolutions, you know you’re going to complete every single item on this year’s list. Unfortunately, most people tend to write the same things every single year, hoping that this year will be the one. Luckily, we’re here to help. Keep reading to learn how to complete people’s most common New Year’s resolutions and make 2022 your year.

What Do You Want to Do This Year?

Before we begin, let’s take a look at the ten most common New Year’s resolutions:

  1. Lose Weight/Get Fit/Diet
  2. Quit Smoking/Drinking
  3. Eliminate Debt
  4. Get Organized
  5. Learn a New Language/Skill/Hobby
  6. Spend Time with Family
  7. Travel
  8. Read More
  9. Reduce Stress
  10. Volunteer

Most likely, you’re looking to accomplish at least one thing on this list. Take the time to narrow what you want to do into a couple of goals. For example, a lot of people will create ungodly long lists in the hopes of living up to the “New Year, New Me” motto. When they do this, they’re setting themselves up for failure, creating a list of goals they’ll quickly feel overwhelmed by. By selecting 2-3, you’re more likely to accomplish what you want and won’t feel like you’ve “failed” within a few weeks.

Set S.M.A.R.T. Goals

If you work in the business world, you’ve probably heard of S.M.A.R.T. goals. S.M.A.R.T. goals are specific, measurable, achievable, realistic, and occur within a specific timeframe. So, what does this look like in action? Let’s say your goal is to “lose weight.” This is vague and can mean 100 different things to 100 different people. When we set a S.M.A.R.T. weight loss goal, it becomes something like, “I want to lose 50 pounds over the next year by working out three times a week, making healthier eating decisions and aiming to lose 5 pounds a month.”

Make Sure Goals Motivate

Another problem we frequently see with New Year’s resolutions are goals that really don’t motivate. Non-motivational goals fall into two camps: too hard and too easy. If your goal is to travel more, you’re probably not going to hit all seven continents in seven weeks (if you can, seriously, please take us with you). On the flip side, you’re likely not going to find a lot of satisfaction traveling to the same vacation spot you’ve had for seven years. Look for something in-between. So, if your goal is to travel to a foreign country, look to include a couple of different cities/states/countries while you’re there. For example, if you want to go to Spain, why not include a few days in Portugal or France as well? By including a few bonus stops that won’t break the bank, you’ve created a more motivating goal.

Write Your Goals Down

Break Down Goals

Your New Year’s resolutions are likely pretty big goals, and this can quickly overwhelm just about anyone. Instead of putting something monumental and getting lost in the process of completing it, break your goal down into measurable steps. How does this work in action? Let’s say you want to quit smoking, and right now you smoke a pack a day. In the first month, aim to get your smoking down to about 10-15 cigarettes a day by the end of the month. You’re already halfway there! The following month, look to cut your smoking down by a third to a half again. By the end of the year, you’ll have quit smoking entirely, and you’ll have been able to do it by slowly weaning yourself off through small stepping stone goals.

Write Goals Down

Writing down your goals may seem passe, but there are plenty of reasons to bring out the pen and paper, including:

  • You’re more likely to remember things you write versus typing them out.
  • Your goals will be clearer and more concise.
  • You can easily post them anywhere. A lot of people find putting their goals someplace they see every day, whether on their bathroom mirror or on the fridge, keeps them on track and make better decisions every day.
  • If you regularly review them, they can become a great motivating tool to see how far you’ve come on your journey.

While it’s perfectly fine to put your goals on your phone, most people find writing them down gives them regular motivation; however, typing them out and making them your lock screen or wallpaper is also perfectly fine as well.

Tell Your Friends Your Resolutions

Your friends likely have a lot of the same goals as you, so now is the perfect time to connect with them. When you tell others your goals, you’re more likely to complete them due to the instant accountability telling someone about the goal establishes. If you find someone who has the same goal, look to partner up with them. For example, if you want to read more, the two (or more) of you can start a book club, meeting once a month to discuss your latest book.

Don’t Beat Yourself Up

 Look, making a major life change is difficult, and you will slip up. Whether it’s a piece of cake on your diet or splurging on something for yourself, you’re going to have hiccups as you work to meet your goal. If an oopsie happens, make sure you:

  • Take a breath. There’s nothing stopping you from working towards your goal for the rest of the day.
  • Don’t beat yourself up. Far too often, people put themselves through a guilt trip that actually dissuades them from pursuing their goal.
  • Reevaluate your goals. Sometimes we set ourselves for failure by making huge goals no one can complete. Look to see if your goals are achievable and make adjustments as needed.

Setting New Year’s resolutions can be fun, and reaching your goals will feel rewarding once you’re done. Take the time to create S.M.A.R.T. resolutions, regularly reevaluate as necessary, enlist a friend and don’t beat yourself up when you have a setback. By following the above tips, you’ll reach your goals in no time.

Tips on How to Save Money in 2022

The new year will soon be upon us, and that means there are plenty of opportunities to save money. Saving can feel like a monumental task, with bills and life seemingly hitting us at all times; however, saving is possible for anyone—you just need to look for ways to cut costs where possible (we promise, this isn’t another avocado toast and millennials article).  Read on to learn our top money-saving tips for 2022 and watch your bank account grow nice and full this year.

Shop with Apps

From ibotta to influenster, there are plenty of apps with the sole purpose of saving you money or giving you free product. Some of these apps, like influenster, will send you products in exchange for reviews. Others, like ibotta, will reimburse you for your purchases at certain stores. The main thing to remember here is that you’ll need to be flexible around brands to get the best deals.

Create Meals Around Deals

So, this is going to take some planning on your part; however, by planning around what you can coupon, you can save hundreds of dollars on your food bills. Look at what deals you can get through your local grocer on Sunday and plan your meals for the week. Bonus points if you food prep to save on lunches at work or school.

Make a Budget

You’ll need to rip off the band-aid for this one to see where you can cut corners and save. Are you utilizing every streaming service you pay for? Get rid of the ones you’re only viewing every once in a while. If you’re paying a lot for insurance or cell phone bills, don’t be afraid to negotiate to lower your bill or get on a better plan.

Start Saving

Life happens, and expenses for emergencies can rack up quickly. The best way to avoid these expenses wiping out your bank account is to have a savings account. Putting in 5-10% of your income into a savings account every month adds up quickly, giving you money for something unexpected or a trip you’ve always wanted to take.

Switch to Generic

Elle Woods wouldn’t love this one, but you will when you see how much you’re saving. By switching to store brands for things like garbage bags and medication, you’ll save hundreds of dollars throughout 2022. Remember, most of these generic products are actually made by a lot of the big brands, meaning you’re getting the exact same product for less.

Change Your Appliances

Okay, this one will cost you initially, but it saves money in the long run. If your appliances or fixtures are a decade old, look to replace them with newer models. From energy-efficient lightbulbs to appliances, your new items will pay for themselves in a short amount of time.

Fix Your Plumbing

Leaking toilets and faucets can add up quickly, causing your bills to skyrocket. For example, a leaky faucet adds $20 to your water bill every month. If you have three leaking faucets, that’s $60 you’re spending every single month! Call a plumber or (to save more) look up YouTube videos to get your leaky plumbing fixed.

Cut the Cable

Cable TV is quickly becoming obsolete, so why keep paying for it? Cut the cord for good and start utilizing streaming services for your entertainment needs. Want local channels? Most areas will give you basic channels for free with a receiver.

Lower Student Loans

Student loans add up quickly, and repayment can feel like an uphill battle. Look to see if your bills qualify for income-driven repayment plans. These plans will help you repay your loans at a rate you can actually afford being they’re based on your income.

Set the Thermostat

The old adage of 78 in the summer and 68 in the winter is great, but those temps won’t be comfortable for everyone. Set your thermostat to a higher temperature than you might normally but still allows you to live in comfort.

Sell Your Stuff

Are you really going to revisit those old college textbooks? Do you have clothes in the closet you’ve never worn or only wore a couple times? All of these items are basically money sitting in your home, taking up space. Take the time to list these items on sites like eBay to get some quick cash.

Get a Side Hustle

From freelance writing to crafting, you probably have a skill or hobby you can expand upon. Get a side hustle to get a few extra dollars every month.

Make Your Own Cleaning Products

Did you know vinegar works wonders around the house? Take the time to look around online for some homemade cleaning product instructions and say goodbye to purchasing cleaning products in-store.

Turn Off Electronics

Your television, gaming console and computer all use power, even when they’re not being used. Instead of letting your tech devices increase your power bills, unplug these items when not in use.

Carpool

This isn’t going to work for everyone, but if you have a co-worker who lives near you, look to see about carpooling with one another. You’ll both save money by only taking your cars roughly half of the time.

Have a No-Spend Time

Whether you decide not to spend for a week, month or even year (it does happen!), no-spend times allow you to really cut the fat out of your life and see where you’re spending needlessly.

Shop Clearance Sales

Clearance racks are great because you’re getting quality products you love for steep discounts. The next time you go shopping, head straight for the clearance section to see if that perfect item is just waiting for you to buy it.

Pay Your Bills on Time

Late and overdraft fees add up quickly, so take the time to pay your bills on time every single month. While this isn’t the most fun item on your list, paying your bills on time will save you hundreds in 2022.

Saving money in 2022 is the perfect New Years resolution. By utilizing the above tips, you can expect your bank account to grow all year long. Which tip are you going to use this year? What’s your ultimate money-saving tip? Sound off below and let us know!

25 Activities To Do In The Winter

As the weather gets chillier and festive holiday cheer abounds, indoor and outdoor winter activities are guaranteed to keep you entertained this season. Whether you love unwinding by the fire with a cup of hot cocoa or prefer a more sporty activity like ice skating, the winter season has something for everyone. Here’s 25 ideas to make this winter you best one yet.

  1. Make hot chocolate bombs. These tasty hot chocolate powder and marshmallow-filled treats require a special mold (here’s a link to purchase) and some assembly is required for the chocolate globes. We love this recipe.

2. Take a drive to see the holiday lights at night. Check your local media outlets for neighborhoods with special holiday decor and light displays for the public to enjoy.

3. Ice skating. Strap on a pair of skates and take a spin at your local ice rink! This is also a great way to stay physically active in cold weather.

4. Bake a panettone. This Italian sweet bread with candied fruits is a winter holiday favorite that takes a bit of time (the dough needs to rise overnight) but is well worth the wait and effort. Recipe here.

5. Create a scrapbook of winter memories. Rather than leaving all of your memories on your phone, print out your pictures this year and chronicle your wintertime adventures like experiencing the season’s first snowfall or the winter solstice.

6. See The Nutcracker. Whether it’s watching the movie on a projector while cozy at home or seeing the ballet in person, this family-friendly classic is full of magic and winter adventure.

8. Camp out in your living room. Assemble a pillow fort or break out your sleeping bags, light the fireplace or put a Yule Log video on Youtube, and bring out the snacks for an impromptu indoor camping night in.

9. Try a winter photo shoot. Gather friends or family for an informal winter-themed photo shoot using DIY backdrops, such as garlands, or a snowy outdoor scene.

10. Visit a local museum you haven’t been to yet. From modern art to natural history, there’s probably a museum or two you haven’t visited yet. Winter is the perfect time for this indoor cultural activity.

11. Create a winter-themed music playlist. Get into the spirit of the season by compiling a list of your favorite wintertime songs on Spotify to play and share with your loved ones. You’ll be surprised how many songs have a winter vibe.

12. Make a dream or vision board. Have big goals for the upcoming New Year? Find inspiration from images online and in magazines to make a visual representation of your dreams and goals for the future. This can be made digitally on gomoodboard.com or by using a poster board, magazine clippings, and a glue stick.

13. Make fake snow. Missing real snowflakes? This simple two-ingredient recipe means you can have snow even if you’re in a warmer climate. 

14. Go on a winter scavenger hunt. Write down 10 things to search for around town or near your home – everything from spotting a pine cone or a Santa hat works – and the first person who checks everything off the list wins.

15. Take a day trip. If weather permits, go on a long drive to explore back roads, semi-local attractions, and finally visit those spots you’ve always vowed you’d stop at one day.

16. Make waterless snow globes. This craft is relatively easy to do if you’re handy with a glue gun. Go here for directions.

18. Visit winter markets and bazaars. Need last-minute gifts or decorations? Check out the goods and support local artisans and makers at festive markets and bazaars in your area.

19. Have a winter-themed movie night. From Frozen to Eight Below, films with wintry settings full of snow and frigid weather are a delight to watch while curled up in blankets on the couch with hot chocolate.

20. Make pomander balls. If you love the scent of winter citrus and fragrant spices, try your hand at making pomander balls. Simply stick whole cloves in firm oranges in the pattern of your choice. For additional scent, you can roll oranges in a mixture of spices, including cinnamon, allspice, and nutmeg. If you’d like to hang your pomander, run a long, thin wire through the middle of the orange and make a loop at the top.

21. Make a snow angel. Enjoy a snowy day by laying down on the snow and spreading your arms and legs to create one.

22. Make a winter-scented potpourri. Fill your home with the scent of wintertime by combining spices and fruit like nutmeg, apples, and cranberries on your stovetop. We love this recipe.

22. Refresh your space. Get a head start on spring cleaning with a winter refresh – go through your closets and decide what items to keep, donate, or toss. Be honest about what you’ve actually worn this year, what fits, and what you no longer love or want to wear. You’ll make room for the new and any holiday presents you may receive.

23. Start a book club. Winter is the ideal time to curl up with a good book and catch up with dear friends – combine the two by starting a book club. Select a book that’s set in wintertime and set aside a time to meet virtually or in person to discuss the book’s plot and overall themes.

24. Play a board game or complete a puzzle. Snowed in? Grab a board game like Monopoly or Candyland to keep your mind occupied. Have a lot of time to keep your kids busy during winter break? A 1000 piece puzzle will do the trick.

25. Organize a clothing swap. Invite friends and family over one evening to share and swap gently used clothing, outerwear, and accessories. Any leftover items can be donated for people in need in the true spirit of the season.

– We hope these activities keep you entertained (and warm!) all winter long-

Fun and Exciting Winter Treats

Winter is the perfect time to get cozy in your bed and devour scrumptious desserts and treats.

From delicious apple pies to mouth-watering cinnamon rolls, what are some other winter treats to enjoy with a good mug of coffee? You can read here to learn how to make some of the best winter treats.

Cinnamon Rolls

Nothing feels better than latching your hand around freshly brewed coffee and gulping it down with sweet cinnamon rolls. This irresistible sweet treat is made from warm dough, cinnamon, and cream cheese.

You can easily make cinnamon rolls at home by using our simple recipe. Plus, you only need a few of the following ingredients.

Ingredients

DOUGH

  • 2 cups whole milk (warm)
  • ½ cup sugar
  • 8 tablespoons unsalted butter (melted)
  • 2 ¼ teaspoons dry yeast
  • 5 cups all-purpose flour (600g)
  • 1-2 teaspoons kosher salt
  • 1 teaspoon baking powder

FILLING

  • 12 tablespoon softened unsalted butter
  • 2 tablespoons cinnamon (ground)
  • ¾ cup brown sugar (160g)

FROSTING

  • 2 tablespoons unsalted butter (melted)
  • 4 tablespoons milk
  • 4 oz cream cheese (120 g)
  • 1 teaspoon vanilla extract
  • 1 cup powdered sugar

Recipe

  1. To prepare the dough, warm the milk and mix all the ingredients in a large bowl. This should prepare a warm mixture. The temperature should register around 37-43˚C. If it is warmer than this, allow it to cool down.
  2. Sprinkle the yeast over the milk mixture. Stir it and keep it in a warm place for ten minutes until the yeast blooms.
  3. Add four cups of flour to your milk mixture. Stir well until all it combines well.
  4. Cover the bowl with the plastic wrap. Let the dough rise in a warm place for about one hour. The dough should rise nearly double in size.
  5. To prepare the filling, mix brown sugar, ground, cinnamon, and butter. Mix well and set aside.
  6. Remove the plastic wrap from the dough to add the remaining flour. Add baking powder and salt. Mix well to set aside.
  7. Place the dough on a neat surface to knead it for ten minutes. Add flour if needed. When the dough loses its stickiness, roll it into a large rectangle with 1 cm thickness.
  8. Spread the filling evenly over the dough. Roll the dough into a log.
  9. Pinch the seam to close it. Trim the ends to make it even.
  10. Use a thread to cut the log into pieces. You can cut it about 7-8 cm thick.
  11. Butter a baking tray. Place the cinnamon rolls in the glazed tray.
  12. Cover the tray with a towel for 45 minutes to let it rise.
  13. Preheat your oven to 180˚C
  14. Bake the rolls for about 30 minutes until they become golden brown.
  15. In a separate bowl, whisk the cream cheese, milk, vanilla extract with melted butter, gradually add baking sugar to form a homogenous mixture.
  16. When the cinnamon rolls are baked, drizzle the frosting over them.

Enjoy it with hot coffee.

Eggnog Doughnuts

The eggnog glazed doughnuts are ideal for winters. You can serve them as a dessert with coffee or tea.

This easy-to-make winter treat requires eggnog, nutmeg, and vanilla extract.

Ingredients

DOUGH

  • 1 cup all-purpose flour
  • ¾ teaspoon baking powder
  • ¼ teaspoon nutmeg (ground)
  • ⅔ cup eggnog
  • ¼ teaspoon salt
  • 1 egg
  • ⅓ cup sugar
  • 1 teaspoon vanilla extract
  • 3 tablespoons vegetable oil

GLAZE

  • 2 tablespoons eggnog
  • Ground nutmeg
  • 1 cup confectioners sugar
  • 1 teaspoon vanilla extract

RECIPE

  1. Combine the flour, ¼ teaspoon nutmeg, salt, and baking powder. Whisk the mixture to blend well.
  2. In another bowl, whisk ⅔ cup eggnog with egg, granulated sugar, and vegetable oil. Add 1 teaspoon vanilla extract. Add the flour mixture and stir well.
  3. Grease a doughnut pan with cooking spray or melted butter.
  4. Take a doughnut pan and spoon the batter into it, filling about two-thirds full. You can also use a plastic storage bag to pipe out the batter into the doughnut pan.
  5. Preheat the oven to 190˚C
  6. Bake the doughnuts for ten minutes.
  7. Insert a toothpick into the doughnut to check if it is well-baked. The toothpick should come out clean.
  8. Let the doughnuts cool for ten minutes.
  9. Add powdered sugar, 2 tablespoons eggnog, ½ teaspoon of vanilla extract, and nutmeg in a separate bowl. Mix well.
  10. Dunk the top of the doughnuts into the glaze and enjoy!

Apple Crisp

Apple crisp is a quick-to-make winter treat. An apple cinnamon pie is something that sticks with us every winter.

But sometimes, we don’t have the time to prepare a whole pie. Well, here is a quick recipe to help you enjoy the perfect combination of apples and cinnamon!

Ingredients

  • 2-3 whole apples
  • 60 grams sugar
  • Cinnamon powder
  • Lemon juice

TOPPING

  • 3-4 tablespoons of unsalted butter
  • Flour 2 tablespoons
  • Oats for topping
  • Brown sugar to sprinkle

Recipe

  1. To prepare the warm and fruity apple crisp, slice up the apples. Keep them in a small bowl. Add the sugar, lemon juice, and cinnamon to the sliced apples.
  2. Heat the oven to 190˚C.
  3. Grease a baking pan with butter or cooking spray.
  4. Spread the apple mixture into the pan.
  5. Bake for 20 minutes or until golden brown.
  6. Whisk flour, brown sugar, and unsalted butter. Top it over the cooked apple crisp. Add oats and bake for five minutes.

You can leave out the oats, but they add a good texture to the apple crisp. This delicious and quick apple crisp gets ready in no time!

We hope that you like our winter treat ideas that are sure to cheer you up on a dull winter day.

Where to shop for Holiday Gifts on a budget

One of the best things about the holidays is giving gifts that make others happy and feel special. Doing that can be difficult on a budget, but not impossible. There are plenty of stores and places online to find affordable holiday gifts these days. This year, with cost inflation, that is incredibly beneficial. You also have the supply issue to consider when shopping, so creativity will be necessary.

Uncommon Goods

Uncommon Goods is an online retailer and offers gifts you won’t find on other websites, and many of them are at an affordable price. Find unique items such as Famous Artists Ornaments for $22.00, Kids-for-Kids winter socks for $15.00, and Aromatherapy Balm stocking stuffer and ornament for $25.00.

Target

Target always has a decent selection of affordable holiday gifts. This year they have Amazon Fire TV Stick with Alexa Voice Remote for 19.99, a 15 pack of Men’s Marvel Advent Calendar socks for $15.00, or a Vitamasques Festive Face Mask Gift Set – Limited Edition – 6ct for $10.00. Close to 2,000 locations are throughout all 50 U.S. states, and you can shop online.

Walmart

When you think of Walmart, uncommon gifts may not be the first thing that comes to mind, but they have plenty of options for fabulous gifts at affordable prices. They have an Atomi Bluetooth 5W 3.25-Inch circle shower speaker for $14.96 and a Big Lebowski Movie 500-piece puzzle in plastic retro blockbuster VHS video case for $9.97. Or, in Walmart’s photo section, you can personalize a 50×60 plush fleece blanket with your photos for $39.99 or two for $60.00! You can find this big retailer almost everywhere and shop their deals online.

Amazon

Amazon is an online retailer and the go-to for many these days, and the holiday season is no exception. Find plenty of Cheap and quirky gifts for all of your favorites. Things like a 12 pack of Vincent Van Gogh Guitar Picks gift set for $14.95, an Ecolution Original Microwave Micro-Pop popcorn popper for $12.99, a holiday crave box full of delicious snacks for $24.95, or a Prodyne Fruit Infusion Flavor Pitcher for $19.99.

Kohl’s

Kohl’s has long been the place to go for affordable holiday gifts. This year they have a Toastmaster personal blender for 14.99, an Amazon Fire TV Stick Streaming Media Player with Dolby Atmos Audio and Alexa Voice Remote for $19.99, or adorable St. Nicholas Square ornaments for $4.99. There are Kohl’s locations in every U.S. state except for Hawaii. You can also take advantage of their fabulous deals online.

Dollar General

Dollar General carries a wide variety of items at a low price. You can find anything from clothes to cleaning supplies or home goods to toys and electronics. They always have a selection of items on sale for the holidays. Things such as a Sylvania speaker, set of two for $10.00, SpaScriptions four-piece spa day set for $5.00, or if you are shopping for kids, they have a National Geographic deluxe STEM science activity kit for $20.00. There are 17,000 store locations throughout the U.S. You can also shop online.

Etsy

Etsy is a neat online marketplace that allows artists and crafters to create accounts and sell items, including artwork and other goods. Many of the items are at low and affordable prices. You can find unique gifts such as a personalized family recipe book for $29.00, personalized birthstone bracelets for $17.20, and personalized wall art starting at $22.00.

Five Below

Five Below is a discount retail store that sells items that cost up to $5.00. You can find small gifts and stocking stuffers such as fidget and sensory toys popular among kids these days. They also have board games, small electronics, holiday home decor, toys, clothing items, make-up, and candy. There are 900 Five Below locations in 36 U.S. states, and you can enjoy their discount pricing online.

JCPenney

James Cash and Penny opened the first JCPenny store in 1902. The retailer closed many JCPenny department store locations in the last few years, but you can still take advantage of their superb holiday deals online. They have fabulous gifts, including a Clean Reserve perfume discovery kit for $24.00 or a Harry & David Tower Of Sweet Treats for $29.69.

Crate and Barrel

Crate and Barrel is a home decor store that offers trendy and modern essentials for every room in your home. You can find hip gifts such as a Dash Mini Gingerbread Man Waffle Maker for $12.95, a mini pie maker for $17.95, and a 2021 Silver Pearl frame Christmas ornament for $8.95. Crate and Barrel have 89 stores and eight outlets around the United States and Canada, and you can shop online.

Burlington

Burlington has plenty of holiday gift items to choose from at low prices. Things such as men’s box spa sets for $16.99, adorable handbags are starting at $24.99, and plenty of toys, holiday apparel, and home essentials all start at low and affordable prices. There are currently 740 Burlington locations around the country, and you can also take advantage of their prices online.

If you’re on a budget with a long list of people to buy holiday gifts for, you are in luck. You can save plenty of time, effort, and money by shopping for holiday gifts for all of your favorite people at the stores and retailers you know will have the best deals. Use this handy list to finish your holiday shopping without breaking the bank in no time!

Staying Warm in the Winter on a Budget

The days are getting shorter, the temperature’s begun to drop, and the weather’s getting worse.

In other words, winter is here!

And, unfortunately, rising energy prices mean US heating bills could soar by 30% over the coming months compared to last year! Add that to the expensive nature of the holiday season and many families around the country may feel the pinch.

Ready for the good news?

There are plenty of ways to stay warm in winter without blowing the budget! Keep reading to discover 12 of the very best.

1. Seal Any Holes You Have

With a chill in the air and the wind roaring outside, the last thing you want is to have dozens of gaps around your windows and doors. Those pesky holes let the warm air right out and welcome the cold on in!

Scout around your house for any gaps of this nature and use caulking to fill them in. Alternatively, you’ll find affordable draft stoppers online that are purpose-built to solve this problem.

2. Leverage Layers

We see it all the time. Someone complains about feeling cold and so, understandably, decides to turn the heating up in the house. Yet they’re also wearing nothing but a thin t-shirt and a pair of shorts!

Don’t be that person this winter.

If you’re on a budget, then one of the best ways to stay warm is by layering up. With multiple t-shirts, sweaters, and coats on, you’re guaranteed to stay nice and snug. Oh, and don’t forget to visit the local thrift store if you want extra cold-weather clothing at bargain prices.

3. Protect Your Head and Feet

Of all the parts of your body to wrap up warm this winter, pay special attention to your head and feet! Why? Because you lose warmth from both body parts quicker than almost any other.

To tackle the issue “head-on”, we highly suggest investing in a quality pair of woolly socks, some slippers, and a beanie hat to wear around the house. You might feel silly having a hat on indoors, but you’ll be grateful for it when the utility bill comes!

4. Redecorate

Did you know that the location of your furniture impacts how warm/cold you feel in each room? For instance, maybe your sofa’s pressed against the wall, your desk’s beneath a window, and your bed’s in front of an air vent. Each of these locations could be making you and the room colder than necessary.

After all, walls and windows are notoriously chilly because they’re the closest to the outdoors! Covering an air vent stops warm air from circulating properly. So, do yourself a favor this winter by moving your furnishings into the center of each room and away from your vents/heaters!

5. Insulate Your Windows

Poorly-insulated windows are a primary culprit for letting the cold in during winter. Unfortunately, replacing your current ones with double or triple-glazed alternatives isn’t cheap!

Thankfully, though, you don’t have to. For a budget-friendly option that serves a similar purpose, try purchasing some insulating clear film to apply to your windows. Part of a window insulation kit, this clever film keeps the heat in and blocks the cold out, while still letting in the light.

6. Fit Drapes, Curtains, or Blinds

Want another window-related solution for staying warm in winter?

Never leave them bare!

Installing heavy curtains, drapes, or blinds will provide a barrier that prevents heat inside your home from escaping as easily. The only downside is that drawing them during the day will block out the light as well.

7. Switch Off Bathroom Vents

Remember how gaps in your property let the cold air in quicker than you can say “brrr”? Well, your bathroom exhaust vent can cause trouble for similar reasons.

It’s literally a hole in your wall that leads to the outside world! Having it turned on will suck the heat out of the room along with the steam. Save energy by only turning it on when necessary (open the door instead!) and always flicking it off when you’re done.

Top tip: Timer switches will make your life much simpler here. Installing them in your bathroom to control your vent will make sure it’s never left running by accident.

8. Close Your Chimney

Open fireplaces are amazing additions to any home in winter. You can snuggle around a fire on cold, dark evenings, watching the flames flicker and snuggling down in front of the warmth!

Alas, they can backfire during the daytime, letting heat escape up the chimney. Whenever you aren’t using it, then, remember to close its flue and draft. You could even block the entire chimney with a special fireplace insert insulation if you don’t plan on using it at all.

9. Leave the Oven Open

Kitchens are often the warmest part of the house in winter. After all, with all the delicious baking and cooking going on throughout the holiday season, heat from the oven fills the room, combatting the cold to great effect. Want our advice?

Don’t waste that incredible warmth! Leaving the oven door open slightly after you’ve finished baking or roasting turns it into a makeshift radiator.

10. Buy Lots of Blankets

Warm blankets are an absolute godsend in the winter- particularly when you can’t afford to go overboard with the central heating. Get your hands on as many of them as possible! On long winter afternoons and evenings, you’ll be able to snuggle up beneath one (or two, or three…) and stay warm despite the cold outside.

Don’t forget to put one on top of your duvet at night to add another layer of warmth when you’re in bed too! This may make it possible to keep the heating turned off at night, significantly reducing your energy bills in the process.

11. Improve Your Attic’s Insulation

Because heat rises, your attic can make or break your ability to heat the house efficiently. Making sure it’s well-insulated this winter will help prevent the heat from escaping and keep your utility payments down as a result.

Of course, purchasing attic insulation (and possibly paying someone to install it) costs money upfront. Yet you can definitely treat it as an investment. Trust us, you’ll soon get your money back from the ensuing energy savings.

12. Insulate Your Floors

Anybody with bare floorboards knows all too well how the cold can radiate up into the house from the frigid earth below! This is another issue that applies to almost every home, though, regardless of specific flooring (unless they have underfloor heating!). It’s especially bad in older properties and those without a basement.

The remedy? Insulating your floors! Laying down thick rugs and warm carpets will help to keep the cold down where it belongs.

– Stay Warm This Winter on a Budget! –

Winter might be around the corner, but that doesn’t mean you have to blow the budget just to stay warm! As we’ve seen, there are plenty of clever ways to keep your home feeling toasty without spending all of your hard-earned money on heating.

Why not give them a go today? Whether you try a handful of them or every last one on the list, you’re guaranteed to reap the rewards.