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Save Money For This Year’s Halloween In 10 Ways Most People Don’t Know

Save Money For This Year’s Halloween In 10 Ways Most People Don’t Know

Halloween saving is frighteningly easy with these cost-cutting and saving tips. From costumes to candy to a great deal more there are all kinds of ways to have a great Halloween without spending a lot of dough.

1. Costumes

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    A great imagination is all that is required when scaring up costumes for kids or adults. Try a thrift store or better yet go through closets for out dated clothes that can later be donated. You don’t necessarily have to stay away from the popular costumes in order to have a great time. After all, eyeliner, a skull cap and a pork pie hat are all that would’ve been needed in 2013 to become ‘Breaking Bad’s’ Walter White.

    2. Home Decorations

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      Cardboard makes for great tombstones for the front yard.Cut into tombstone shape, use a magic marker to note monsters who’ve gone on to their eternal rest. Or use “Ima Goner” or “Ill B Bac,” Cut eyes into toilet paper rolls. Stick a glow wand in the tube and place the ‘eyes’ into bushes. Stash leaves into pumpkin decorated trash bags. Scare up more fun with balloons covered in old sheets and hanging from trees.

      3. Candy

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        If you’re staying at home to treat the treaters, save by purchasing hard candy. Take care to not overestimate the number of treaters at your door. It’s easy to get caught up in the sugary excitement and spend to much. Don’t worry about complaints with the hard candy win. Most kids don’t care as long as something yummy hits their bag. Of course, you’ll save if you have little ones and will be out in the neighborhood. Don’t forget to turn off your light.

        4. Activities

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          Scare up family and friends for a frightfully good time with a potluck dinner. Have a pumpkin carving or stenciling contest. Another fun activity is to bob for apples. You decide whether to have guests come costumed or not. Although a costume judging contest would also be fun. Make a scary maze by attaching cardboard boxes together.

          5. Make Your Pumpkin Last Longer

          pumpkin

            Once the pumpkin is gutted, clean out the insides with bleach and water. Let dry completely before carving. Spread petroleum jelly on the carved parts of the pumpkin. This should make the pumpkin last through October. Another tip is to not set the pumpkin directly on concrete. Instead, place paper between the pumpkin and the concrete.

            6. Scary Scarecrow

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            scarecrow

              Before carting off clothes to the thrift shop, stuff old newspapers into them to build a scarecrow. Use a pumpkin for the head or an over sized hat. Stuff a pair of garden gloves, if your scarecrow needs hands. Use an old pair of tennies or boots for feet. Your scarecrow can be made sitting or standing. The scarecrow can be a funny or scary addition, depending on your taste. The kids will love the project and you won’t have broken the bank with the addition to your yard.

              7. DIY Indoor Decorations

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                Create a spookier look by draping furniture in old, white sheets. Stretch cheese cloth across a mirror to look like a spider web. Pick up some scary spiders at the store to add to the effect.

                8. Halloween Curtains

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                curtains

                  Make scary curtains by cutting ribbons from trash bags or by hanging and tying back black trash bags. The effect indoors or outdoors is spooky and is bound to cause second looks.

                  9. Halloween Trees

                  halloween-trees

                    An example can be seen on the far right of the picture. Use modeling clay that can be baked in the oven to create eyes, nose, and mouth. To attach use reusable putty or double sided tape to attach the whimsical faces.

                    10. Giant Spiders

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                      Stuff nine large trash bags with newspaper, leaves or packing material. Tie off the body to segregate the head. Section the legs in the same way. Add paper fangs and scary eyes to finish off the creature. Tie close to a tree so the monster looks like it’s getting ready to crawl.

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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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