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25 Home Hacks to Make 2016 Easier, Less Cluttered, and More Productive

25 Home Hacks to Make 2016 Easier, Less Cluttered, and More Productive

Let 2016 be the year you finally become a DIY guru. There are so many easy home hacks you can use to make your life more productive, organized and efficient — and most of them require knowledge and supplies you already have. Here are 25 DIY hacks to solve everything from tangled cords to slow Wi-Fi.

1. Banish Clutter

Keep odds and ends organized in a muffin tin slid into a desk drawer.

2. Color-Code Keys

Nail polish is a cheap and colorful way to make your keys easy to identify.

3. Corral Chargers

Attach a binder clip to the edge of your nightstand, string your phone or tablet charger through the metal loops, and you’ll never fumble to find a charger again.

4. Add Ambiance

Whether you rent or own, it’s easy to set the right mood in any room by installing a dimmer switch.

5. Make It Rain

Swap out your boring shower head for an upgraded one that can give you an in-shower massage or wake you up with a gentle rainfall.

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6. Makeover a Room

A fresh coat of paint or a creative washi tape design can breathe new life into your digs for a minimal investment and just a little bit of elbow grease.

7. Expand Your Space 

Hang mirrors to make a small room seem bigger. Make the illusion even better by strategically placing mirrors to reflect the view from a window.

8. Download an App

You can find an app to streamline nearly every aspect of your life. Whether you want help with home repair, productivity, organization, or how to get out a stain, there’s an app for that.

9. Protect Your Tablet

Transform an old planner or comp book into a clever, stylish case for your Kindle, Nook, or iPad.

10. Hide Cords 

Tuck away unsightly cords by hiding your power strip in a bedside table drawer.

11. Keep Keyboards Clean

Before tossing a post-it note in the trash, run the sticky edge along your keyboard to clean up errant dust and other detritus.

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12. Bedazzle Chargers

Never fight over which charger belongs to whom again. Use nail polish or stickers to personalize your family’s chargers.

13. Turn It Up 

Transform your phone into a party speaker by placing it in a cup. Glass, plastic, and paper all do the trick.

14. Super-Charge It

If your phone or tablet is at critically low power, put it on airplane mode before charging. By turning off the things that suck the most energy, your device will charge faster.

15. Wrangle Ear Buds 

Wrap those unruly cords around an empty spool and get to enjoying your tunes or podcast faster.

16. Fix Your Wi-Fi

Before calling an expensive IT guru, try to solve your slow Wi-Fi issues on your own. Test your speed, switch channels, and make sure no walls or solid objects are obstructing the router.

17. Upgrade Your Cookbook 

Mount your tablet onto a kitchen cabinet or wall for easy access (and no worry about spills) while whipping up a delicious feast.

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18. Try Smart Meal Planning 

Use an app like Yummly to find recipes, plan meals, and automatically create a shopping list that includes everything you need.

19. Upcycle Old Corks

Create a stylish bulletin board by gluing corks to an old window frame.

20. Organize Unmentionables 

Add old shoe boxes as dividers for your lingerie drawer to keep everything untangled and easy to find.

21. Get the Message

Use a picture frame instead of a boring whiteboard for family messages and keeping lists.

22. Unclog a Drain

Plop. Plop. Fizz. Fizz. Use Alka Seltzer and vinegar to dissolve grease and hair and get a clog moving.

23. Make Scuffs Disappear

Use an old sneaker or tennis ball affixed to a broom handle to remove unsightly scuff marks from floors.

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24. Repair a Window

Clear nail polish is a quick fix for small cracks in glass and screens.

25. Bookmark It

Find a few DIY websites that you can go to for instant help when you need it, and bookmark them. It will save time and sanity the next time you need a quick solution to an urgent problem.

Go ahead, put on your DIY hat and get started!

Featured photo credit: nemke via istockphoto.com

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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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