5 Quick Ways to Upgrade Your Personal Savings

If you've ever wished that you had more personal savings to work with, then you've come to the right place. The sad truth is that saving money isn't always as easy as we would like it to be. More often than not, we have endless bills to pay, and not enough cash left over at the end of each month to make much significant progress towards our goals.

However, it is possible to achieve your money-based targets if you have the right strategy in place. Today, we're going to share a couple of the quick and simple strategies that you can use to upgrade your personal savings efforts in no time.

1. Plan for Tomorrow, Today

Sometimes, it's a good idea to live in the now. If you're always worrying about the past or the future, it's difficult to make the most of each moment. However, when it comes to finances, it's always a good idea to keep your eye on the months and years ahead. This means thinking about what you want to accomplish in the next few years and setting a realistic goal for your money. 

Personal Savings

It also means looking for ways to make your financial life easier in the future than it is today. For instance, can you consider working harder today by taking a course in your spare time, so you can potentially get a better job and earn more in the future? Would taking steps to improve your credit rating now make it easier to get a cash loan.

 or mortgage in the future? Whenever you're making a major life decision, think about how it's going to affect you and your finances tomorrow. 

2. Don't Buy on Impulse

Impulse buying is one of the biggest problems facing people who want to save more money. It's easy to tell yourself that you need to buy something when you're in the heat of the moment, particularly if you have a sales assistant breathing down your neck. However, the best thing you can do to reduce your risk of overspending is make sure that you take 24 hours (at least) before making any purchasing decision. If you need to, tell the customer rep that you're talking to that you need to go home to get your credit card before you can continue with the purchase.

This extra time will give you a chance to cool off and think logically about the purchase. 9 times out of 10, you won't go back for the item that you were going to buy. If you do decide to purchase it, then you'll also have time to look for a better deal online. 

3. Be Realistic with your finances

When you're keen to save money fast, it's tempting to dedicate all of your money to your savings and leave yourself with no wiggle room at all. After all, if you want to do something quickly, like go on a holiday with your family or buy a new car, you can't afford to only put £10 a month into your savings account. However, while it's a good idea to tailor your savings to your unique targets, you also need to be realistic about what you can accomplish. 

Giving yourself some wiggle room is important, particularly in a world where it's impossible to predict the extra expenses that might pop up in your routine from time to time. 

4. Manage your Food Strategy

Of all the things that people can over-spend on, food is one of the most common. It's easy to go over the top when you're browsing through the supermarket with a rumbling stomach. A good way to avoid over-spending is to give yourself a list of items that you're going to cook for the week. This will help you to prepare specifically for the food you need. 

Making a list also means checking what items you already have at home. Try to make sure that you use everything that you have in your freezer before you go and buy new food. This will help to reduce your risk of waste in the long-term. 

5. Look for Cheap Alternatives

Finally, whenever you're doing something that costs money, ask yourself if there's an alternative, cheaper method available. For instance, is driving to work each day really the most affordable option for you, or would it make more sense to carpool or take public transportation instead? When you're working out at the gym each day, are you making the most of your monthly pay, or could you get the same quality of exercise by working out at home?

Challenge yourself to find one thing that you can do cheaper each month and test it out. You might not be able to stick to all of your lifestyle changes, but you should find some great ways to save money.

How to Prep Your Home for a Showing that Will Sell Your House

There’s a lot that goes into the process of selling a home, but the appearance and atmosphere of your home is one you can’t overlook. Home buyers are emotional buyers, who tend to go with their gut. When you’re able to show a home that feels home-y, clean, spacious, new and luxurious, you speak straight to the buyer’s heart. The first impression and the feeling a prospective buyer gets as they walk through the home are huge factors. Selling your house fast depends on the work you put into sprucing up the look of your home. Having your house ready for showtime can be done with some simple steps that go a long way. Here are 5 things you should do to prepare for open houses and private showings:

1. Give Your Lawn a Manicure

When prospective buyers approach your home and the smell of fresh-cut grass gives wafts into their nostrils, they already get the impression that the home is well-maintained and up-to-date. It’s a sight and smell that gives off a new-house vibe, and helps you create a great first impression.

Sell Your House

2.  Check for Odors

It’s hard to notice odors you’re accustomed too, so be sure to get a good whiff of every closet before showing, and check your carpets, curtains and other linens for any smells. Use a mild deodorizer throughout your home and ventilate it well before an open house or showing, so that it doesn’t give off a stale odor.

3. Make Sure Personal Belongings are Stashed Away

Clearing out your personal belongings makes it easier for prospective buyers to visualize themselves living in the home. It doesn’t mean you have to pack up and leave. Have all your furniture and decor, but put away things like pictures on the refrigerator and products on your bathroom counter. This also opens up the space and makes your home look neater. 

4. Spruce the Atmosphere

Right before your open house, make sure all the blinds are open and lights are on throughout the home. If any of your lights are dim, replace the bulbs with brighter ones.  Brew a pot of coffee or bake a batch of cookies for a fresh, welcoming aroma. Turn on some ambiance music or even the TV to add some energy to the atmosphere. 

5. Set the Right Temperature

The thermostat setting is important on open house day. If it’s a hot summer day, make sure the home is extra cool so to give it a refreshing appeal. If it’s cold outside, set the thermostat to 72 to 76 degrees so that the warmth is extra enticing. 

Putting Your Best Foot Forward

If you’re placing your house on the market but feel overwhelmed by the preparation involved, use these 5 tips as a checklist to go through before your open houses or private showings. Of course, they don’t guarantee your house will sell. But, they’ll make it more appealing to buyers. If you want a guaranteed sale, you always have the option to sell your house fast to a cash buyer, and skip the showing and staging process. If you have too many necessary repairs or updates to make before you feel ready for an open house, a cash buyer is probably a better option, as long as you choose a well-established and reputable company.