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

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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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                    plastic-bag-spider-halloween

                      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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                      Last Updated on July 20, 2021

                      Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

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                      Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

                      Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

                      Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

                      Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

                      In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

                      Break Free of Your Finances

                      Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

                      When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

                      Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

                      Though it seems hard to believe, it is really very simple to get financial freedom.

                      To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

                      While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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                      Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

                      1. Stop Unnecessary Spending

                      We often spend money inwardly, instead of objectively.

                      For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

                      To stop this habitual spending, log down all your spending over the course of a month.

                      Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

                      This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

                      2. Plan a Monthly Budget

                      This is a great opportunity to get serious.

                      Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

                      Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

                      3. Cut-up Credit Cards

                      Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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                      If not, you may want to consider ridding your life of the burden that credit cards bring.

                      Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

                      Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

                      4. Increase Savings

                      There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

                      It’s good practice to save up to 15% of your income.

                      Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

                      Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

                      5. Invest Wisely

                      Consider investing in funds.

                      Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

                      To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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                      Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

                      6. Invest in Gold

                      There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

                      You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

                      Another way to invest in gold is through ETFs (Exchange Traded Funds).

                      These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

                      With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

                      7. Stash Emergency Funds

                      Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

                      If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

                      Make it hard to get your cash.

                      Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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                      8. Find Fabulous Mentors

                      Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

                      If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

                      There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

                      9. Be Extra Patient

                      Patience is the key of financial success.

                      Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

                      So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

                      Financial Freedom for All

                      Anyone can achieve financial freedom, regardless of their financial circumstance.

                      Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

                      Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

                      Featured photo credit: rawpixel via unsplash.com

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                      Reference

                      [1] Hartford Gold Group: IRA Retirement Accounts

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