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Do you have clogged drains? All of us will experience a backed up drain at some point in our life. Store bought drain cleaners have harsh chemicals and can be expensive. Homemade drain cleaners can be an effective alternative to the store bought ones, and you probably have everything you need in your home already. Here is how to clear your drain the natural way in just a few minutes: 1. Pour ½ cup baking soda into the drain. 2. Pour ½ cup of vinegar into the drain. 3. The ingredients will start bubbling and fizzing. 4. When the bubbling and fizzing has stopped pour boiling water into the drain. 5. Flush the drain with hot water. You may have to do this a few times, but soon your drain should be as good as new.
Who doesn't love a bargain? Some of the best shopping deals these days can be found online. Savvy shoppers even know that some days are even better than others to find the biggest savings. ShopItToMe.com, a website that looks at online retailers, ran a survey to see what days of the week online websites offer the biggest discounts. Here is what they found: Mondays: If you are looking for men's and women's dress pants try Mondays. ShopItToMe found the average sale price is about 48 percent off. The site also found Mondays are great for purchasing sunglasses with an average discount of around 55 percent. Tuesdays: If you are shopping for men's clothes, it may be pants on Mondays but all other men's apparel is typically on sale on Tuesday with a discount around 42 percent. Wednesdays: You can save an average of 38 percent on shoes. Also look for great deals on kids' clothing with an average discount around 40 percent. Thursdays: Handbags lover's Thursdays typically offer a 36 percent savings. Fridays: Once you have purchased a new handbag you will need accessories to match. Look for an average of 42 percent off jewelry, belts and scarves. Saturdays: Underwear and outwear are on deep discount on Saturdays. Shoppers can save an average of 37 percent on intimates and a whopping 51 percent on jackets and outerwear. Sundays: Swimsuit prices are reduced approximately 52 percent on Sundays. What are your best online shopping tips?
If you are looking for ways save money, cutting back on grocery expenses is often an easy way to reduce your spending. Here are ten tips to master frugal grocery shopping. A little planning can save you some big bucks over the long term. 1. Make a list. Before you head out to the store, prepare a list of everything you need, making sure you have everything needed for your weekly menu. Before you leave, check to make sure you don't have it in your pantry, fridge or freezer. Stick to that list and don't buy anything else. 2. Plan a menu. Plan a weekly menu for each week. This way you will know exactly what to buy. Be sure to plan a leftovers night. 3. Don't shop hungry. When you're hungry, everything looks good. When you shop hungry you'll end up spending a lot more. Eat first and then you will be able to stick to your list. 4. Set a budget. When you go to the store, know exactly how much you can spend. Then try your best to stick within that limit. Keep a running tally as you shop to ensure that you're within your budget. 5. Create a grocery spreadsheet. Keep your grocery receipts, then enter into a spreadsheet. This will be your price and comparison list. Use it so you know when bulk or sale items are a good deal. 6. Cook and freeze. Plan to cook a big amount of food and freeze it for multiple dinners. A great idea is to use one Sunday and cook a week's (or even a month's) worth of dinners. Plan 5-6 freezable dinners and cook them all at once. 7. Shop for specials. Every store has specials. Be sure to look for them in the newspaper, or when you get to the store. Don't buy things you don't use just because they are on sale; make sure you will use the items. 8. Buy store brands. Brand names are often no better than generic, and you're paying for all the advertising they do to have a brand name. Give the store brand a try, and often you won't notice a difference. 9. No "one-item" trips. They waste gas, and almost inevitably, you buy more than that one item. If you plan ahead, make a weekly menu, and shop with a list, this should drastically reduce the number of trips you make for a small number of items. 10. Stock up. Sale items can be a great deal. If it's an item you normally use, buy a bunch of them.
Saving money can be hard. It often seems like a daunting task but often it is the little things that make a big difference. Here are five tips to get saving more money now. 1. Pay off your debt. If you have debt try to consolidate it and pay off debt as soon as possible. A strategy to do this would be to consolidate debt to a lower interest rate if possible. Interest on debt can cost you thousands of dollars every year. 2. Pay your bills on time. When you don't pay your bills on time you acquire late fees. The best way to do this is to get organized about your regular bills. If possible, automate your regular payments. 3. Know your bank balance. If you don't keep track of your check book you will probably accrue over draft fees. Be aware of the balance in your bank account and avoid overdraft fees. 4. Avoid ATM fees. ATM fees can really add up. Try to use only those ATM machines where your bank will not charge the fees, or withdraw directly at your bank. 5. Manage your credit. Credit card fees are often hidden costs you don't account for. Look for credit cards with cash back bonuses and reward points. Avoid credit cards with annual fees.
Money experts recommend having an emergency fund, however, that is easier said than done. You will want to have at least three to six months of living expenses in your emergency fund. Here are some tips on how to get there: Determine how much you need Calculate how much you spend each month. Add up your rent/mortgage, car payments, insurance, food and utilities. This will give you an idea of how much you will need to save. Start small If you find it hard to save, start by saving small amounts. Even if you only saved $20 per week for one year, you would increase your savings account by $1040.00 Have achievable goals Start with a small goal and gradually work towards a larger one. Set your initial goal of one month's savings and build upon that. If you start small and make savings a habit it will be easier to save. Make it automatic Set up automatic contributions to your savings account. Move a specified amount of money to your savings account through direct deposit. If you do this you may not even miss the money. Watch where your money goes Keep track of how much money you spend. Calculate your spending average and try to spend less. Another great way to save is to find areas where you can cut back. What are some of your best tips for saving money?