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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 April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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