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5 ways to save money during the fall

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trees in autumn
Fall is a favorite season for many and it’s easy to see why. The weather is nice, the leaves take on beautiful colors and, of course, the spiced pumpkin milk. Here’s another reason to love fall – it saves you money. Here are five ways to save money this fall. You don’t want to overlook these tips.

1. Indulge in cheaper meals

When the weather starts to get breezy, soup and chili are the perfect comfort foods. Take advantage of your slow cooker and these inexpensive meal choices. Another great thing about making soup and chili is that you can freeze them, prepare them ahead of time, and even add random leftovers that you have rotted, grate them, waiting for you in the refrigerator. Today I made Skinny Taste’s chili chicken taco, with beans, rotisserie chicken, and a half-used can of tomato sauce that was on the last leg in the refrigerator. It took about five minutes to throw everything into the crock pot.

2. Skip off-season products

Don’t be tempted by summer products this season either. Not only are berries and melons overpriced in the fall, but they’re also not that nutritionally dense when they’re out of season. Instead, opt for frozen alternatives or take advantage of apple and squash sales.

Basically, products that go up in price a lot during their “off season” need to be seriously considered before buying because in this case a high price does not mean a better product.

3. Goodbye, gym

If you have the option to cancel your gym membership, do so. Fall is the perfect time to train outdoors for free. Also, let’s be honest, most gym memberships are wasted during the holiday season because life gets busy at this time of year. Canceling your gym membership throughout the fall season can save you over $ 100. So if you want to re-join, you can take advantage of the New Year’s membership offers offered by each gym.

4. Enjoy best travel deals

Now that summer is over and the kids are back in school, it’s one of the best times to travel. Not only will you find many travel deals, but many popular locations won’t be as crowded. I experienced this firsthand when my husband and I took a cruise in October. The prices were half that of the summer, the weather was a little more manageable in the Caribbean, and most of the cruise travelers were over 50, which created a calmer vibe.

5. Give your thermostat a break

Another reason to love fall is that you can go without using the air conditioning or heating. Of course, all areas are different, but I am able to hold them until mid-November even though I live in the desert. Decorate your home with soft throws and rely on hot drinks, such as herbal tea or homemade apple cider, to keep you warm at night.

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Ironically, as I write this, my house is fully decorated for fall, but the weather today was 90 degrees. Sometimes you have to mentally embrace the fall, even when the weather isn’t cooperating.

What are your favorite ways to save money this fall? Also share fun activities or traditions you do in the fall.

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Download Toffee APK 1.1.8 for Android

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Download Toffee APK 1.1.8 for Android

Toffee TV is the perfect app for android users who love to watch their favorite shows. This app contains a lot of popular channels like ESPN, TNT, AMC, FOX, etc., and all of them are updated on a regular basis so you’ll always be up-to-date on the latest content. Plus, the app is free to download! So what are you waiting for? Start watching your favorite shows now!

Toffee TV Apk features:

Are you looking for a good way to spend your weekend? Why not check out Toffee TV? This live streaming app has tons of content to choose from, including your favorite shows and movies. You can also explore new options, like watching exclusive content and live streaming events. The app also has a built-in search feature so you can find what you’re looking for quickly and easily. Don’t wait any longer! Download Toffee APK now and start streaming your favorite shows and movies this weekend!

Toffee TV Apk Key Features

Toffee TV is an amazing app that brings live and on-demand content from a variety of sources right to your Android device. With its huge library of content, you’ll never run out of things to watch. You can also use the app to chat with other users in real time, or catch up on your favourite shows while away from home.

How to download and install the Toffee TV Apk?

If you are looking for a great way to enjoy your entertainment, look no further than Toffee TV. This app offers a wide range of content including live and on-demand TV shows. You can watch them without any ads or commitments, making the experience free and hassle free. Plus, the app is available for free from the Google Play Store so there’s no need to search for it anywhere else!

Download APK

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What are the profits and consequences of downloading the Toffee TV Apk File directly?

When it comes to the Toffee TV Apk File, there are a few things you need to be aware of. The app is a full-fledged android app that can be downloaded from the Google Play Store. It offers features such as live streaming, video recording and more – making it one of the most sought-after apps on the store. However, like any other app, there are also profits and consequences associated with downloading and using this file directly – legal and illegal alike. Before anything else, make sure you understand where this apk comes from – if not legal or safe to download then disregard this article! Additionally remember that no matter what people say about downloading free apks without paying for them – always practice caution when doing so because unauthorised access could lead to serious problems down the line. Sooner rather than later someone might get hurt as a result!

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With so many channels and shows to choose from, it can be hard to make a choice. Toffee TV Apk not only offers you a wide range of live channels but also on-demand content for when you don’t have time to watch the show live. The app includes features like DVR so you can record your favorite shows and play them back later, as well as parental controls that let you control what your children watch. In short, this is an excellent way to get all the entertainment you need without having any big bills looming over your head!

Conclusion

Toffee TV is an Android app that offers a wide range of content, all completely free to download and use. This includes movies, TV shows, live streaming options – even international channels! The app provides a convenient way to watch your favorite shows and movies without ever having to leave the comfort of your own home. In addition to this great selection of content, Toffee TV also has features like bookmarks and notes for easy reference. Overall, it’s an excellent Android app that should be on everyAndroid user’s list!

What’s New

There’s always something new to check out on Toffee TV, so be sure to keep an eye out for the latest updates! Recently, we’ve revamped our app with a sleek and modern design. You can now pause and rewind live TV streaming, watch your favourite shows anywhere you go – even when you’re offline – and access your DVR recordings right from within the app. We’ve also got lots of exciting new features planned that we hope you’ll enjoy! So make sure to check back regularly – there’s never been a better time to join the Toffee TV community!

Conclusion

Toffee TV Apk is a great app for android users that offers a variety of content, including live streaming of major sports events. The app is simple to use and offers a great experience for users. Make sure to download Toffee TV Apk and enjoy the latest live sports events!

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Money saving benefits of being a stay-at-home mom

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stay at home mom
It’s no secret that I’m a huge fan of stay-at-home moms. I know the choice is not the right one for everyone. For one thing, staying at home is often a chore and it’s also a lot more stressful than many jobs out there. However, there are also many benefits, the main one being how much money you can save. Let me share with you some of the money saving benefits I have experienced staying at home.

Multiple home cooked meals

Working 40 hours plus looking after my kids all day was stressful. Dinner wasn’t being prepared because who has time when you have to go to the office and spend more time commuting? As a result, we were constantly short of fast food. I was constantly trying to stay awake and alert even with Starbucks racing. When I went shopping, I was so stressed out and sleepless that I wasted money on food that was eventually thrown away. Why should I bother working so many hours if I was just going to waste all that money (and my precious time) on food costs? I ended up cutting my working hours dramatically and all these expensive food costs disappeared automatically.

Less money spent on appearances

Of course I care about my appearance and I don’t want to be in my pajamas all day, but I need a very limited wardrobe as a freelance stay-at-home mom. My current closet consists mostly of jeans, tunic tops, and some dresses. My bosses and colleagues don’t care that my roots need to be retouched and my nails haven’t seen a drop of polish in over a year, but employees who go to the office every day are usually expected to have a certain look. all the time, not to mention that sometimes there is unspoken competition between peers.

Less stressful shopping

Does anyone else shop or eat when stressed out? When I was doing the 40-hour workweek, I was also shopping online a lot more. I was constantly buying to take my mind off the stress. I also kept putting the cookies in my mouth.

My husband is more motivated to earn more

I am truly grateful that my husband is a wonderful provider for our family. He has the kind of job that allows employees to grow with the company or stay in their position for the rest of their life. Since my husband knows we rely on his income he is always motivated to pursue higher positions and do what needs to be done for raises. I know this is not the case for everyone, but I am grateful that my husband is fighting hard for me to stay home with the children.

No childcare costs

I’ve looked into the costs of childcare and kindergarten, and it’s just amazing how expensive it is. It would be depressing to see more than $ 2,000 a month in childcare even if you had a full-time, well-paid job. Some moms find that the costs of childcare with a baby are still profitable for their jobs. Other moms find that having more than one child in custody can consume their entire salary and staying home is a financially smarter move temporarily.

Honestly, being a stay-at-home mom is what I want to do. I encourage all other parents who want the same thing to take a look at their budget and see if it’s possible. Sometimes it’s a question of what you have to sacrifice in order to be able to stay home with your children. I know as far as I’m concerned, I’d move into a one-bedroom house, cut the cables, and get off to a car if I had to. If staying home with your kids is so important to you, you will find a way to make it work. Adjusting to a new lifestyle won’t be easy, but the benefits will be worth the sacrifice.

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Stay at home parent or working parent – the best choice is the one that works for your unique family. Whatever you are, share your favorite ways to save money each month.

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Why is it so difficult to save money when you are poor

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We all agree that living from pay to pay is not an ideal situation. And it’s just as obvious that people who do this still need to save their money and build a financial cushion so they can finally feel safe.

Unfortunately, the basic rules for saving money are simple but Not easy, especially if you are already behind the financial ball.

Here are three reasons why it is so difficult for people in poverty to improve their situation:

1. Lack of opportunity

There is a reason for the term “banker’s time”. Most banks are only open Monday to Friday from 9am to 5pm. For many of us, this is a little pain in the neck, but not a big deal.

But someone struggling with their finances and also relying on public transport will find that bankers’ schedules are a huge problem. How do you collect your paycheck if you can’t get to the bank before it closes?

This is further complicated if you don’t have any banks. About 4.5 percent of Americans live “without a bank”, in the sense that they have no bank account. They can’t collect their salary without paying the privilege, let alone set up a direct deposit and remove the trip to the bank from the equation.

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2. Lack of initial investment

Let’s say you need to move to a new apartment. You find a place where you can afford the $ 500 monthly rent, but to move in, you have to write your landlord a check for the first and last month’s rent. It’s okay, but they also need a security deposit, which you can’t find.

Alternatively, you can move to a budget motel which costs $ 35 a night. You’ll end up spending over $ 1,000 to stay there for a month, but you don’t have to shell out $ 1,500 all at once. The apartment is clearly the cheapest option, but without the initial investment you cannot take advantage of it.

This is also why fast food is so often a staple of the poor workers’ diet. According to behavioral economist Dan Ariely:

“So imagine going to a new house tomorrow without food and having to start equipping a kitchen. And you wanted to buy salt and pepper and olive oil and pots and pans. You should invest a lot of money to be able to eat cheaper. Or you can go to McDonald’s. So it is even difficult to create the conditions for living efficiently ”.

David’s Note: What Emily is describing is more common than you think. We’ve had the same cleaning lady (well, actually a cleaning family) coming to help us around the house every few weeks for years now. One day we noticed they drove by with a brand new car. We were surprised because the old one looked brand new so we asked them to try to teach them that changing cars all the time is a big waste of money. As we talked, they shared with us that the reason they had to change cars was that their car broke down. It turns out they could scrape together enough to rent a new car with what they can get by selling the old car that broke down but didn’t have the money around to fix it. Damn!

Another couple of years have passed and they have since changed cars again. If they had only had some savings, they would have saved tens of thousands of dollars on car ownership alone.

These problems create a vicious cycle: you spend more money than you can afford because you can’t afford the investment needed to save money in the long run.

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3. Lack of time

In 2012, a Coupons.org study found that households with an income above $ 100,000 were twice as likely to use coupons as families earning less than $ 35,000.

This seems counterintuitive as low-income households have a greater need for coupon savings. But one of the big differences between high- and low-income families is the time it takes to cut coupons.

Although Americans across the income spectrum feel short on time, those living in poverty may be spending their time dealing with problems that could have been prevented with more money. For example, if you have to choose between car maintenance and grocery shopping, you will probably choose grocery shopping, until the car breaks down and you have to deal with the problem immediately.

If you constantly put out fires, it can be difficult to find the extra time to sit down with paper coupons and Sunday clips.

The bottom line

Saving money is possible at any income level, but it is an important first step for those on the lower end of the spectrum to recognize the ways their situation makes it more difficult to save. Only then can they begin to find solutions, as it is much more difficult to overcome a difficult situation if you cannot recognize all the ways in which it is affecting you.

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What else would you add to this list?

Editor’s Note: Did you know about the service called $ 5 meal plans? For $ 5 a month, they send you recipes of delicious, healthy, yet affordable food that costs just $ 5 a meal.

Several of my friends have signed up and can eat more at home because the instructions are easy to follow, making everything more convenient. The deal also includes shopping lists, which save them so much time. Check it out for yourself by clicking here and you too may be able to save more and become healthier at the same time.

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