Friday, January 9, 2015

Keep Your Resolution All Year Long!

"Fireworks" by Mariya Prokopyuk is licensed under CC BY 2.0
New Year’s resolutions are difficult, but that doesn’t mean you can’t still achieve your goals. Don’t think of your resolution as something you have to make because everyone else is, think of it in terms of what you want to achieve for yourself over the next year. Apartment Therapy offers some great advice on keeping your resolution going strong all year long!

Do
Start right now this minute — Whatever your resolution is, there's no sense in binging on your bad habit prior to beginning your "good" behavior. It'll just give you farther to go. You are at your most motivated when deciding to take on your resolution so ride that wave and get going immediately.

Set specific goals — Instead of "lose weight" which has no accountability attached, try "lose 20 lbs." If your resolution seems overwhelming, set smaller, manageable goals to build on throughout the year, like "lose 2 lbs a month."

Think about HOW you'll accomplish those goals — You need a step-by-step plan, addressing all parts of your resolution. If you want to lose 20 lbs, take a look at your diet plan and figure out an exercise routine. Figure out exactly what you will do when so when it comes time to put your plan into action, it's a no-brainer.

Write down your plan — You've gone over every detail and you know your plan by heart. Even so, write it down. The act of writing will help it sink in that much more and having a copy to refresh your memory during trying times will come in handy.

Make yourself accountable — Now it's time to share your plan. You can tell everyone or tell just one understanding person, but getting support — a sympathetic ear, an encouraging voice, a sensible opinion — is an essential part of accomplishing your goal.

Reward yourself when you reach a goal — After your initial rush of motivation fades around February, you're gonna need something to keep you going. A periodic reward may be just the thing to keep you honest, all year long.

Don't
Make it complicated — Don't make things harder on yourself than they need to be. Choose a simple, powerful resolution so you can really focus in and get it done.

Beat yourself up if you get off track — You will eventually make a mistake but the real test of your character is how you respond. Do you let one little slip up drag you down for the count? Rebound the very next day and pick up where you left off with no guilt.

Let others' failures lead YOU to slide — When other people get off track, they might try to mitigate their disappointment by tempting you to give up, too. Don't fall for it! Even though they look like they're having fun, indulging in all the things they'd resolved to give up, they're secretly jealous of your resolve.

Ignore small accomplishments — It may be hard to get excited about finishing a tiny sliver of your goal when you have the bulk of it looming ahead, but you must remember that this is a year-long process so giving yourself a pat on the back when it's due will keep you positive and motivated.

Friday, January 2, 2015

Grocery Planning 101

"Thanksgiving Supplies" by Phil! Gold is licensed under CC BY-SA 2.0
We’ve all heard the saying “never go grocery shopping hungry,” but that isn’t the only rule we should keep in mind when we’re at the store. Like many things, the prices of food keeps increasing, so how do we stick to a budget? Heck, how do we even set one in the first place? We’ll demystify grocery shopping in ten steps, with these tips from The Kitchn.

1. Track what you actually spend for a month.
Before you can make a realistic grocery budget, you have to have a realistic idea of what you usually spend. You might spend more on food (including drinks and eating out) than you realize. Start tracking what you spend for a month. Keep your receipts.

Whether you use a spreadsheet or a Word document, or just paper and pencil, it can be helpful to divide your food expenses into itemized lists. Drinks: coffee, tea, soda, alcohol, juices, mixers. Fresh produce. Frozen meals. Baking items. Meat. The key is to track everything that you consume.

2. Budget per month, but plan per week.
I track my income monthly, so I also track grocery bills monthly. Some people track weekly; it's a personal preference. I've found it's easier to stick to a monthly grocery bill, as I often go for two weeks without shopping. On the other hand, it is equally key to plan your meals per week, to avoid eating out or ordering in. I suppose you could plan your meals for an entire month, but for me that's not realistic. Having a rough idea of what we'll be eating for breakfast, lunch, and dinner helps me shop accordingly.

3. Name your priorities.
I'm learning to tell myself, "If this, then not that," as I shop for groceries. There are certain items that I prioritize for my wellbeing, such as fresh foods and basic whole foods. Towards the end of a month, I'll nix fringe items before cutting out my priority items, such as that new flavor of tea, juice, optional toppings for meals, and desserts.

4. Don’t eat out.
Just don't do it. Eating out is the Trojan horse of grocery budgeting. It sneaks into your monthly budget and destroys everything you've worked so hard for. Dramatic, yes, but true. We eat out for special occasions or with friends, but have made it our personal policy to never eat out as a response to laziness. Knowing your priorities and keeping basics, frozen double batches, and quick meals on hand can help with this.

5. Prize (and plan) variety.
...Or you will eat out, unless you have a willpower of steel. Plan variety into your grocery lists to stay well and keep food enjoyable. Some people can eat ramen for a month in the name of saving money. I can't. However, I'm also the kind of person who finds something they love and wants to eat it endlessly... a habit which always results in me tiring of that food for months afterward. So I try to plan budget-friendly meals that I know I'll enjoy, and rotate those meals throughout several months.

6. Keep a fridge list.
Keep a running list on your fridge and write down items that you need as soon as or shortly before you run empty. This is a basic tip but it can make all the difference between grocery runs that result in spending sprees or incomplete shopping.

7. Learn to love your leftovers.
They are your friends. They will feed you while protecting your budget. Invest in a good set of glass food storage containers—your food will last longer with better flavor. Plan meals that make good leftovers, and if you're feeling ambitious, make double or triple batches and freeze.

8. Don’t be duped by coupons.
Coupons are great — if they are for items that you need and from brands that you like. Too often, coupons trick customers into buying unnecessary items "because it's a good deal." Furthermore, generic versions of many items in the coupon book are even cheaper than the price you'll pay for a discounted name brand item. So if you find a coupon for an item that you usually buy, celebrate and purchase. Otherwise, steer clear and seek out cheaper options.

9. Stock when there’s a sale, but don’t overstock.
Sales are the cousin of coupons: they can often dupe customers into buying more because it's "a great deal," not because they need that item or can even use that quantity. On items that keep well, stock up with sales.

But a common mistake is to buy a few extra items of each product, thinking that you're saving time and money by not having to return later to the store. I did this for years before I realized I was still shopping at my usual rate, buying a few extras of this and that each time, which was inflating my grocery bills. Unless you live hours from a grocery store, this sort of pseudo-bulk shopping isn't helpful.

10. Take the time to comparison shop.
The suggestion of comparison shopping is inevitably met with a chorus of voices protesting the efficiency of "driving all over" just to find cheaper items. And I would have to agree. I used to shop at a closer grocery that was more expensive, than transitioned to a larger, cheaper store much further away, then began shopping at three different stores, with a separate list for each. Now I'm back to shopping at the closer store that's a bit pricier. Time and driving costs must always be factored into budgeting. There are still a few items that I will buy once a month at the larger, more distant store, but I don't have the time to go to several stores on each grocery run.

However, I also comparison shop within stores: some items are cheaper in the international aisle, or the yogurt in the organics aisle, for example, might be on sale when my usual yogurt selection isn't. So pick the stores that are most efficient for your shopping, familiarize yourself with your options, and make a plan.

What other grocery shopping tips to you have? Are there any apps you have found useful?

Thursday, December 25, 2014

Are You Making These Hosting Mistakes?

"Holiday Cookies" by Whitney is licensed under CC BY 2.0
‘Tis the season for holiday gatherings! If you’re inviting friends and loved ones over to your apartment this season, or have in the past, you understand that hosting is hard work and can be stressful! While your friends and family don’t expect every single detail to go perfectly, there are some main areas you can focus on to make sure your guests have an enjoyable experience! These are mistakes you’ll want to avoid at your holiday party, courtesy of Apartment Therapy.


1. Expecting guests to help themselves to food and drink.
Don't expect that your guests will know to help themselves to the beer in the fridge, or that they'll be able to find those cookies tucked away in the back of the kitchen. Guests may not be comfortable enough in your house to go hunting around, so make sure everything is in plain sight.


2. Not thinking about flow.
When you're arranging furniture and thinking about where to locate food and drinks, consider how people will move through the house. Generally everyone is going to walk in the door and then go straight for the food and drink, so make sure there's a clear path to the goodies. Think about places where bottlenecks will form and try to eliminate them by creatively moving furniture — if, for example, you have a small kitchen, putting out food in a different room will keep everyone from winding up uncomfortably jammed into a tiny space.


3. Thinking you have to provide seating for everyone.
Unless you're hosting a dinner party, your guests will probably spend most of the party on their feet, chatting. Usually people will only sit down at the very end of the party, when most guests have already left, so provide one or two conversational groupings of chairs, but don't feel like you have to have a seat for every single person. You don't want to wind up with a whole roomful of people, awkwardly standing around a bunch of unused chairs.


4. Serving food and drink that take a ton of prep on the day of.
If you have your heart set on on serving handcrafted cocktails at your party, hire a bartender (or enlist a friend to do the honors) — otherwise you'll spend your whole party mixing and shaking, secretly resenting your guests for having such a good time. Pitcher drinks will make your guests just as happy, and allow you to enjoy yourself too. The same goes for food that requires elaborate preparation — opt for something simpler, or even better, supplement with some appetizers from the frozen food section. With some creative plating, your guests will never know the difference.


5. Not having a plan for music.
You don't have to hire a band or come up with the World's Most Creative Playlist — but you do need something playing when guests arrive. Music provides a little background noise to make people comfortable during those awkward introduction stages, and it also helps set the tone for the entertainment to come.


6. Forgetting to check the thermostat.
A bunch of people all together in a little room = lots and lots of body heat. If you're having a large gathering, you'll probably want to do something — turn of the heater, open up windows, maybe even turn on the A/C for a little while — to cool down the room before people arrive, so you don't wind up with a sweltering apartment two hours later when it's too late to do anything about it.


7. Leaving your guests to introduce themselves.
Especially if you've invited friends who don't know anyone else at the party, don't just welcome them and put a cocktail in their hand and then leave them on their own. Make sure to introduce them to one or two other folks at the party so they're not floating around on their own.


8. Trying to do everything on your own.
Hosting a party is more than a one-person job. No matter how much you prepare ahead of time, you'll probably find yourself scrambling to get things ready at the last minute. If you enlist help — a spouse, a family member, a close friend — you'll be able to spend the first few minutes of your party greeting your guests, and not running around in the kitchen while they awkwardly stand about. (And chances are your friends will be happy to help.)


9. Forgetting to relax and enjoy yourself.
Which party would you rather go to — an event with perfect decorations, food, and drink, with a stressed-out, frazzled host, or a less closeup-worthy event where the hostess is relaxed and having a good time with her guests? Your guests feel the same way. You're the host, and your mood will set the tone for the rest of the party — so relax, have a drink, and let the little things work themselves out.

Thursday, December 18, 2014

5 Things to Take Care of Before Your Holiday Travels

"Stuttgart Airport at dusk" by Andrei Dimofte is licensed under CC BY 2.0
The time is almost here for those long-awaited days off and heading out of town for the holidays! Of course you’ll remember to pack and wrap all of the presents, but there are some things to take care of before you leave that are probably at the bottom of your list, if they’re even on there at all. Don’t forget to take care of these quick tasks, courtesy of Apartment Therapy, before you leave town!


1. Clean out stinky spots
The trash cans (not just the kitchen one — think about cans in your bathrooms, office or bedrooms), dishwasher, fridge and coffee maker can all be nightmares to come home to if they've been left full of stuff to rot and get stinky while you're away. Empty them all out before you go, but also give them a quick swipe to clean them.


2. Security check
Doors, windows, garage door — are they all closed and locked? Are blinds and curtains closed? Are you leaving a car at your place? Make sure you don't have any valuables in sight. Leave a light on or check your light timer. Can you go a step farther and lock gates to your home and other entrances, too? Make a quick sketch of your floor plan and all the things that need locking, and make check marks as you walk around the house. You can keep that sheet with you as you get on the road in case you get any of those "did I lock that?" feelings.


3. Save energy and protect from damage
Unplug all your electronics. Check the heating system and your water heater — are they turned down low to save energy? Even consider shutting off the water lines to your washing machines to avoid leaks or accidents while you're away. Make sure all your appliances are turned off like the stove, oven, coffee maker and others.


4. Water plants
Give all your green lovelies a nice long drink before you go, and move them to the optimal spot in your home — where the best light is and a spot where they won't get cold drafts (if that's something they wouldn't like).


5. Make sure your neighbors have the info they need
If your neighbors are watching your home for you while you're away, make sure they have keys to everything, phone numbers (and alternative numbers) to reach you if there's ever a problem. If they're watering plants, make sure they know how much and when to do it. Let them know if you'll need the garbage cans brought in or to the curb. Typing up a quick FAQ sheet to leave for them is often helpful.

Friday, December 12, 2014

Last Minute Apartment Cleaning

"clutter" by Alex is licensed under CC BY 2.0
The holidays are a hectic time of year for anyone, but add the stress of hosting people at your apartment, and a whole other layer unfolds - you need to decorate your place, order or cook food, send out the information and more. All this in addition to buying and wrapping gifts. Let’s say your stretch your time too thin - what can you save for last? Cleaning your apartment. Doing a quick clean is actually not as bad as it sounds. Just follow these easy tips from Apartment Therapy:

1. Clean the Three T's: Toilets, Tabletops, the Television. What? The television? Yup! Most living rooms are centered around your tv and the amount of dust that hangs on it, your Netflix stack and dvd box set pile that's off to one side could be tell tale signs of why the rest of your house isn't exactly spotless. Plus if you sit chatting in the living room, you'll be staring at it wishing you would have moved it. Toilets and tabletops are a bit more self explanatory, but important none the less.

2. Stash with Efficiency: When company drops in we've all been in a situation once or twice where things get tossed in a basket and shoved in the spare bedroom or closet. It's a quick solution, but it can be done with more efficiency so you can find your stuff later on. Add things to your basket according to the room they go in. That way when company leaves, you can remove the items easily without making 100 trips across your house or apartment to put things where they belong.

3. Pet Hair: Even if you have a sparkling clean house, if your sofa is covered with a layer of dog or cat fur, it suddenly looks less tidy. Keep a rubber glove or your favorite pet hair busting product on hand to knock it all down in a few sweeps.

4. Dishes Be Gone in Seconds Flat: Please don't judge me for this tip. Admitting that I've done it more than once is punishment enough alright? So here goes. Put your dishes in your oven. Wait, what? If you pile your dishes in the sink then it looks like you threw them all in there at the last minute as everyone knows you can't really wash dishes in that manner and you'll still look like a slight slob, even though you have clean counters. Instead, grab a baking sheet and stack like items together and slide them in the oven. They'll slide right back out, be prestacked and ready to be washed so you can recover from the guilt you just gave yourself for following through with this tip. Side note: don't preheat your oven... even by accident... until they're removed.

5. Spend 5 Furious Minutes on Your House Everyday: Isn't that cheating? We're talking about last minute company here, not preparing all week long for them to come! True, but think about how much you can clean in those few minutes before they arrive. 10 blocks isn't much. With traffic and parking and walking up your stairs, 5 minutes is a safe estimate. Bring that panic to your life every day and clean with the same intensity for just 5 minutes and your house will always look better for it. Plus, you still have time to watch Raising Hope without telling yourself you'll pick up on commercials.

Friday, December 5, 2014

Calculate Your Holiday Gift Budget

"Christmas presents" by Mike_fleming is licensed under CC BY 2.0
Each year it seems like the holiday gift list grows longer and longer - from big gifts, like close friends and family members, to smaller ones for neighbors and co-workers. With a shorter shopping season this year (only three weeks between Thanksgiving and Christmas), time is of the essence! If you haven’t started shopping yet, the first step is to determine your budget. If you need some help, follow these tips from Apartment Guide:

A Little Preparation Goes A Long Way
By being a smart shopper every day, you will have more to spend when the holidays come around. Here are some easy steps to more savings.

When it’s time to go grocery shopping, make a list. Get into the habit of only shopping for the items on your list and leave impulse purchases at the door.
Do your online research in advance of a big shopping trip. When you know where the bargains are, you will save yourself a whole heap of time, effort and frustration.
Make shopping rewarding. Use store coupons and rewards cards and sign up for email campaigns that will send advance details of sales.
Pay yourself first! Grant yourself a weekly allowance and shop for necessary items guilt free. By paying yourself a weekly or monthly allowance you will avoid the very real temptation of a retail therapy blowout.

Basic Steps To Big Savings
There are many small measures you can take to reduce your bills and help you save for the holidays. When you leave your apartment for the day, remember to unplug all electrical items making sure that you don’t spend anymore on your electrical bill than you have to. This tiny step goes a long way to reducing your electric bill over the course of a year.

When you go to work, adopt a “cash free” day where you go about your day-to-day business without spending a single penny. This is easier than it sounds with a modicum of forward planning: plan your lunches around what’s already in the pantry or the fridge, and take a (reusable) bottle of water with you. Then make sure to put away the equivalent money you would have spent into a savings account.

Now that you have adopted basic budget saving tips into your day-to-day life, you will have a clearer idea of how much you have to spend on your holiday gift budget.

Holiday Shopping Tips
When it’s time to go shopping for your chosen gifts, take cash only. This important step will prevent you from being tempted to use credit to make your purchases. Adopt a stealth-like approach to your shopping trip, planning in advance the stores you intend to visit. Don’t be distracted from your mission; instead, make the purchases you have decided upon in advance. If necessary, you can always go back later and buy that impulse present if there is enough left over in your budget.

Use the envelope system for shopping trips. Make out a new envelope for each person on your list and place in the exact amount needed for their chosen present. Then if the product is further discounted at the cash register, you can put the extra money into a contingency fund.

If you choose to do your holiday shopping online from the comfort of your own apartment, keep an eye open for useful promotions such as free shipping codes or buy-one-get-one-free offers.

Finally, if you are forced to put your holiday shopping onto a credit card, it’s always a good idea to put it on one that will benefit you and your wallet. Use cards that offer cash back with every purchase.

Wednesday, November 26, 2014

8 Things to Throw Away and Forget About

"the books I have to read" by conejoazul is licensed under CC BY 2.0
Forget about spring cleaning - winter is the time to go through things and clean. You’re stuck inside, you may have extra days off around the holidays and you need to make room for all the things you received as holiday gifts. If you hate to throw things away, these items (courtesy of Apartment Therapy) are things you can get rid of and never look back!


Coffee Mugs: Many people mindlessly collect mugs, much like business cards or matchbooks. There are instant, affordable souvenirs to mindlessly reach for and/or to accept as gifts. Harmless enough gestures at the time, there’s no denying their tendency to linger without true purpose. You’ll always reach first for your favorite morning mug, and ignore the rest of the porcelain in the back of your kitchen cabinet.


Travel Size Toiletries: Are you one of those people who just grab the hotel shampoo and soap, and stuff it in your luggage, even if you don’t need it? If you have a huge stash that you’ve squirreled away somewhere, think about paring down the collection.


Old Medication: It feels weird to get rid of something that requires a medical license procure. Yet most pills in your medicine cabinet are woefully out of date, or you have no idea what they were originally prescribed for. I’m all for pushing the expiration dates beyond what’s recommended, but do toss the ones that are dated from 2005 or that you have no idea what they are.


Vases: These breed faster than rabbits, especially those generic FTD-type vessels that lack personality. If you’ve ever been gifted flowers, you know these are unwelcome interlopers amongst actual useful glassware.


Food Storage Containers: These are the refrigerator gifts that keep on giving. They are cheap to acquire, yet just precious enough to cling to — without realizing that you really, really don’t need as many as you have. Take a moment to get rid of extra lids, super stained plastic ones, and the ones you never ever use. (I’m just realizing that I have “favorite” Tupperware. Kill me now.)


Party Supplies: Paper plates, napkins, and candles hold such promise and are hard to resist - of a perfect evening with friends and convivial conversation, decorated just so. Host enough events and you find yourself overflowing with extras and odd men out.


Craft Supplies: Every DIYer and crafter's Achilles heel is that fabric stash, that beautiful yarn waiting for the perfect project, and your fifty types of glue. You have enough stuff to make until the Apocalypse at this rate, so time to cull the collection, use what you have, or get rid of it.


Books: Don’t worry about the classics, go for the cheap thrillers in paperback you have lying around — the ones clogging your nightstand and needlessly crowding your shelves. Most likely you won’t pick up these same books twice, especially in today’s digital age. Let go of that visual notch in your literary bedpost, and free yourself from housing an entire library.
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