Managing the impact of rising costs in your home 🏡
In the face of escalating living expenses, implementing strategies to stretch your dollar becomes crucial. Small savings across various aspects of your life can accumulate into significant financial relief. Let’s explore effective ways to manage the impact of rising costs in your home.
Start by scrutinising your home loan. Amidst increasing interest rates, reviewing your home loan is a prudent step. Beyond the interest rate, consider factors like the loan term, home equity, and how well the loan aligns with your financial goals. This assessment may unearth opportunities to save money and better align your loan with your future objectives. 💸
Examine substantial expenses such as memberships, subscriptions, and recurring costs. Evaluating these expenditures might reveal opportunities to switch to annual payments or temporarily scale back to optimise your budget.
Pooling resources with friends for streaming services is a smart move. Assess your subscriptions and contemplate sharing multi-screen services with friends to make efficient use of your entertainment budget. 📺
Trimming expenses on takeaways is another impactful measure. While convenient, frequent takeaways can strain your disposable income. 🍔 Consider deleting food delivery apps to reduce temptation and explore home-cooked ‘fakeaway’ alternatives for everyday meals, reserving the real deal for special occasions.
Crafting a meal plan can significantly impact your budget. Plan your meals for the week, including snacks and desserts, and cook extra servings for leftovers. This disciplined approach reduces reliance on takeaways during low-energy evenings.
Opt for online grocery shopping to adhere to your meal plan and avoid overspending. Be aware of the day supermarkets update their specials, on say Wednesdays. Make use of your Gold Card at the supermarkets who encourage its use, making it an ideal day to shop and capitalise on new offers.
Energy costs often go unnoticed, but comparing providers and switching to a more economical deal can yield substantial savings. 💡 Leverage your local government’s comparison website to assess providers against your usage rate. Some companies may even offer rebates for comparing and switching.
After optimising your energy costs, implement energy-saving practices. Make small adjustments, such as turning off heaters and appliances when not in use. Consider using fans instead of air conditioners and smaller space heaters to reduce overall heating expenses. An electric blanket can provide warmth on cooler nights without increasing your heating costs.
Review and refine how you organise your finances. Compartmentalise your savings and discretionary spending categories to stay on top of your priorities. Placing non-essential savings in an account with limited access can discourage unnecessary expenditures.
In times of rising fuel prices, comparing petrol costs becomes essential. Apps like Gaspy enable you to find the lowest prices in your area, helping you save on fuel expenses. ⛽️
As interest rates fluctuate, it’s an opportune moment to reassess your financial situation.
Good luck !
Contact me for more real estate tips 0274 951 536 📱
#realestatetips #mattwineerarealestate #tauranga
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This winter it's crucial to stop the spread of germs to stay healthy!
Is your home contributing to poor health? This winter, it's important to address the spread of germs within your living space.
Throughout each room of your home, there’s an opportunity for germs to spread and bacteria to grow.
That might sound pretty gross – a simple yet effective solution is to let fresh air
Let fresh air into your home
Open up your doors and windows every day, even if it’s cold. Ideally morning and night.
Mould has been linked to nasal congestion, wheezing, chest tightness, coughing, throat irritation, reduced lung function and chronic health problems.
But if you don’t want to leave your house open for a long time in the cool weather, it’s good to know that it doesn’t take much time to make a healthy difference to your home.
If you open a window widely and open a door, it can take as little as two minutes to exchange the air in that room. If you just do a lap to open up every door and window, and then turn around to do another lap to close everything up again – you have a house full of fresh air.
Keep your home fresh and healthy with this simple tips!
#FreshAir #HealthyLiving
Share your most delicious (but affordable!) go-to meal...
Winter is knocking at the door and the cost of living has already made itself at home. So let's help each other out by sharing your meal ideas that don't break the bank.
Comment below with your go-to meals that are delicious and affordable.
Type 'Not For Print' if you wish your comments to be excluded from the Conversations column of your local paper.
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