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Showing posts from February, 2014

Finance Fridays: Moving

Moving is hard. Plain and simple. It is stressful, detailed, and chaotic. Oh, and to top it off, it is expensive. 

List of expenses you should encounter when moving:

security deposit on new apartment or earnest money & down payment on new homepacking supplies (boxes, blankets, dolly, tape, bags, etc.)truck rentalrelease of lease on apartment or sale of old home (various expenses here)change of address and possible lost mail
What you should NOT pay for:
Fee for a moving broker, someone who helps you find a realtor or apartment. If you are selling your house, you will pay your broker a commission (5-7%). A broker finding you a new home will not be paid a commission by you; she will receive a cut of the selling broker's commission.Phone company fees to change your phone number. They always want to charge you for changing your number, but you should threaten dropping them all together. Watch that fee disappear.Apartment cleaning fees, AKA your original security deposit. Don't lose…

Finance Fridays: Apps

They are addictive, fun, informative, challenging, and trendy. I'm talking about apps. Since having an iPad, I've noticed the free apps I download tend to have something to buy, especially in the case of games. I love games and I don't mind calling myself a gamer. However, I only play for free - only free. The game makers make it simple to have ads and power-ups pop up in the middle of your game when you can easily click it and end up with a purchase.

To avoid this, do not store your credit card information on your iPad, iPhone, or other smartphone or tablet. Never, never purchase anything. Your financial information will be saved, and these apps are highly suspectible to hacking. 
If you absolutely have to purchase something in a free app or purchase an app for that matter, use a very low balance credit card. I have a $200 maximum balance card that I got a long, long time ago. I keep it because I use it at sketchy places, like my favorite gyros restaurant and an internation…

Free Printable - Daily Journal

I journal everyday. I jot down a few sentences or bullet points that help me set the tone for my day, and then I reflect on my day. It creates self-awareness and motivation. It helps me understand what is really important to me.

I have been through a rough few months due to a job loss that, which was really a blessing to lose. I was bullied excessively by a manager for 11 months. It took a lot of strength for me not to quit and stay motivated. This journal is what helped!




Download here!

1. Visit link.
2. This is a PDF. So, print page 2 in color (or black and white), double-sided. That will give you four days of journaling per page. Print as many pages as you want. I printed 90.
3. Print the cover page as the cover of your journal.
3. Three-ring hole punch or spiral bind hole punch the top of each page.
4. Bind in three-ring binder or spiral binding.



Duffin Recipe - Cinnamon Sugar Doughnut Muffin

I found this eggless recipe on Crunchycreamysweet.com and it seemed easy enough. Plus, I had all the ingredients. If you have a doughnut tin, by all means use it. Since I don't, I used my regular muffin/cupcake tin. Mini muffin tins work well here too. If you use a regular muffin tin, fill 12 halfway.




Duffin
Yield: 18 mini muffins, 12 regular muffins
Muffins:
1/2 c granulated sugar1/4 c unsalted butter, melted1/4 tsp ground nutmeg or cloves1/2 tsp vanilla extract1/2 c milk1 tsp baking powder1 c all-purpose flour
Sugar coating:
1/4 c unsalted butter, melted1/2 c granulated sugar1 tsp cinnamon
Instructions:
1. Preheat your oven to 375 degrees F. 2. Grease muffin tin. Set aside. 3. In a medium bowl, whisk together flour and baking powder. Set aside. 4. In a large mixing bowl, whisk together melted butter and sugar. 5. Add spices and vanilla, whisk well. 6. Add milk and whisk again. 7. Add dry ingredients and whisk until smooth. 8. Fill the muffin pan. 9. Bake in preheated oven for 15 to 17 minutes, …

Finance Fridays: Luxury at Home

I don't want to suggest that you do not splurge on anything. A spa or mani/pedi day is great when you really need it. However, a financial burden arises when it becomes a habit.

1. Get in the habit of picking 1-2 hours per week on a certain day each week to pamper yourself at home. This includes a facial, nails, and even long bath. I choose Sunday evenings as the perfect time to do all the above. I purchase my face masks and nail polishes at CVS.
2. Say "no" to massages. I get at least two coupons each week for $45 for a 30-minute massage to a chain massage parlor. I have had massages, and I know how soothing they are. However, I suggest soaking in hot bath or even having your spouse give you a massage. These massage parlors are a huge cash-suck.
3. Do not purchase salon products at the salon. Instead of buying Aveda products at an Aveda salon, look for those or similar products online or at Ulta. Salons provide huge mark-ups on their goods. It is tempting when the stylist …

Simple Vegetable Soup

I use a very simple soup recipe to get a soup starter on the table before the big meal. I also eat it alone with crackers for lunch. De-lish!



Simple Vegetable Soup

Ingredients:

4 cups of water1 cup pasta (macaroni or ziti works well)2 chicken bullion cubes2 large carrots, diced1 stalk celery, diced1 Tablespoon parsley flakes1/2 teaspoon ground black pepper Directions: Combine all in a pot. Bring to a boil. Reduce heat and simmer for 20 minutes. Stir every 5 minutes to keep pasta from sticking to the bottom of the pan.
That's it! So simple. I keep all these items in my pantry as staples.
What simple recipes are your go-tos?
Diana