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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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Last Updated on June 6, 2019

The Average Retirement Savings and How to Save Wisely

The Average Retirement Savings and How to Save Wisely

Are you on track for retirement?

If not, don’t worry, I’m not sure either. I save each month and hope for the best.

Fortunately, I’m at an age where most people don’t save so I’m ahead of the curve.

But, what if you aren’t in your 20s? What if you’re near retirement and are looking to gauge where you stand?

If so, keep reading. Here’s how to prepare for retirement and save wisely during the process.

What Does the Average American Have Saved for Retirement?

Saving for retirement is tricky.

Tell someone straight out of college to save $10k a year for retirement and it’ll be next to impossible.

Make the same request to someone decades older and they’d be more likely to be able to save this amount. But, a 20-year old college student can be “financially ahead” of someone saving more than them. Why?

Age matters in your financial journey. The younger you are, the more time you have to save and put compound interest to work. As you get older and have more saving power, you’d have less time to put compound interest to work.

Here are the average savings Americans hold by age bracket:

20’s – $16,000

During this stage, most people are paying loans and moving up the corporate ladder. Your best bet during this stage is to focus on eliminating debt and increasing your income. Don’t focus only on getting a high-paying job neither.

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Instead, focus on learning via Podcasts, reading books, and taking specialized courses. Doing this will make you more valuable and give you more career options.

30’s – $45,000

At this stage, you’ve hopefully escaped your entry-level salary and work at a career you enjoy. Your earning power has increased but you now have more obligations. For example, marriage, kids, and a mortgage.

Set a plan to pay off all your debt and focus on eliminating unnecessary expenses. Leverage financial tools like Personal Capital to ensure you’re on track for retirement.

40’s – $63,000

This is the stage where you’re at the prime of your career. Top financial institutions recommend you have at least 2 to 4 times your salary saved up. If you’re falling behind, start maxing out your 401K and Roth IRA accounts.

50’s – $115,000

During your fifties, you’re close to retirement but still, have time to save. You may be helping your kids pay college tuition and other expenses. Since you’re at the peak of your earning power, max out all your retirement accounts.

60’s – $172,000

By this point, you should have about eight times your salary saved up. If not, you’ll depend primarily on social security benefits averaging $1400 per month. Max out all your retirement options as much as possible before retiring.

Ways to Save Money on a Tight Budget

The sad reality is that most Americans aren’t saving enough for retirement.

Even high-earning power isn’t enough to secure one’s financial future. You need to have the discipline to save for retirement while time is in your favor. Don’t wait for you to have a high salary to save, start with having a small budget.

First, get a clear picture of where you stand. Write down a list of “needs” and “wants.” For example, Netflix and Amazon Prime are “wants” and a “cell-phone” is a need.

Use tools like Personal Capital to analyze your spending patterns. Personal Capital allows you to add all your financial data in one place–making it a powerful option to gauge where you stand.

Once you know all your expenses, organize them from highest to lowest expense. When you can’t cut more expenses, call your service providers to negotiate a lower price. If you’re not good at negotiating, use services like Trimm to lower your monthly expenses.

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How to Save Money Each Month

By this point, you know the average amount of money you should have saved for retirement based on your age.

But, breaking this down into monthly goals can be challenging. Here are some rule of thumbs to follow:

Aim to contribute 10%–15% of your salary each paycheck. Review your progress each week.

Why so often? The reality is that life gets in our way and you will have many financial setbacks. Your goal isn’t to be perfect but to get back on track instead.

Reviewing your finances weekly lets you know where you stand with your retirement. This doesn’t have to be a long process either. All it takes is login in Personal Capital to view your net worth and check how much you have saved for retirement.

Turn saving into a game and aim to save more each month. It will get challenging but you’ll get creative and find more ways to save.

Top Money Saving Challenge Tips

To prepare for your financial future and not be another statistic you need to be different.

How?

By adopting new habits that’ll help you become a saving machine. Here are some ways you can save more:

Automatically Contribute Towards Retirement

If you’re working for a company, you can automatically contribute towards your 401k. If you’re not currently contributing more than 10%, make this your goal. Contribute 1% more today and automatically increase this amount a year from now.

Odds are that you’re not going to be negatively affected by contributing 1% more. Many times we spend our money on things we don’t need. Contributing more towards retirement is a great way to secure your financial future.

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Use the Right Tools to Know Where You Stand

Once you’re contributing more towards your retirement accounts, gauge your progress. Make use of finance tracking apps to help you view the big picture of your retirement.

When I’d first signed up for the app Personal Capital, I didn’t know I had a negative net worth. Despite saving thousands of dollars, my debt brought my net worth to the negative. Knowing this motivated me to save more and spend less.

Now, I have a positive net worth. But, it was because I was able to view the big picture using the app. Find out what your net worth is using a finance tracking app and you may surprise yourself.

Bring in Experts to View Your Blind Spots

If you have too little or too much money saved, you should consider hiring financial experts.

Why?

You may need someone to hold you accountable to help you reach your financial goals. Or, you may need help managing your money as effective as possible.

Regardless of the reason, getting help may help improve your financial situation.

Before you hire an expert, find out which areas you need help the most. For example, if you’re constantly overspending, find a debt counselor. If you’re struggling with choosing the best investment options, hire a financial advisor.

Speed up Your Retirement Contribution

After learning how to manage your money well, the next best thing is to earn a higher income.

You’re capped at how much you can save but not much you can earn. Even if your employer isn’t giving you a promotion, you can still take charge of your financial future. How?

By starting a side-business.

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This will be something you’d work on after you’ve finished your day job. Once you start earning income from your side-business, you’ll be financially better off.

The best part is the more work you put into your side-business,[1] the more potential it has to earn more money.

So start a side-business in an area you’re familiar with. For example, if you enjoy writing, do freelance writing for small e-commerce businesses.

Once you’re earning a higher income, you can contribute more towards your retirement. Don’t wait for the right opportunity to secure your financial future, create one.

Reach Financial Freedom with Confidence

What if you were able to retire tomorrow with no problem, all because you’d have enough money saved up and little to no debt left to pay off? How would you feel?

My guess is that you’d feel happy and relieved.

Most Americans are falling behind their retirement goals for many reasons. They’re not prepared, they carry bad money-habits and are thinking short-term.

For you to retire successfully, you need to work backward and adopt better habits. Contribute more towards your 401K and focus on growing your income.

If you do, you’ll save money and pay debt faster.

Don’t beat yourself up if you’re behind your retirement goals. Take the first step today towards a brighter financial future. Isn’t retirement worth the hard work and sacrifice to be at peace?

Featured photo credit: Huy Phan via unsplash.com

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