Tag: how to save

Your DIY Wedding Guide

July 26, 2016MBEhleAdvice, DIY, Projects

As the cost of the average wedding continues to rise, it’s understandable that couples ready to tie the knot may be seeking any and all ways to save money.

While some aspects of a wedding are better left to the professionals, others are prime for a little do-it-yourself cost cutting. Couples should just be sure they have the skills and resources available to handle portions of their weddings on their own. Otherwise, the cost savings may be negated by trial and error. The following are some areas that may be a good fit for couples looking to try their own DIY techniques.

· Floral centerpieces: While floral bouquets and boutonniéres are probably best left to professional florists, couples may want to try making their own reception table centerpieces. Such centerpieces can be simple displays of fresh flowers in vases or more intricate designs. Test out any ideas prior to the wedding. Remember to keep arrangement height in mind. You do not want to obscure the views of seated guests.

· Cake: Ask a pastry chef or bakery to make you a small cake that can be used for cake-cutting traditions and photo opportunities, but have your own cake available to serve. Sheet cakes are much less expensive than more intricate tiered cakes, but they can be just as delicious. Guests may not even know the difference if the cake is sliced and served out of the reception site’s kitchen. Purchase the cake or make it on your own.

· Invitations: Professionally designed invitations can look beautiful, but not everyone has the budget for embossing or engraving and expensive paper stock. Thanks to graphic design and page layout software, computer-savvy couples can design and print their invites right from home. That makes it easy to create a new invitation if you miscounted or if you have a last-minute addition to the guest list.

· Favors: Create favors that work with the theme of your wedding and make them yourself. These can be candles, fruit preserves, soaps, baked goods, or anything else that appeals to you. The cost of making them in bulk may turn out to be less than purchasing manufactured items. Plus, guests get to take home something that came directly from you.

· Video: Enlist a friend or family member to capture the wedding and after-party on video for you. You can use video-editing software available through popular apps to piece together your own wedding video memento.

Couples about to tie the knot can become more hands-on in wedding planning and execution. By handling some of the work themselves, couples can save a considerable amount of money. A do-it-yourself approach also may foster feelings of pride in a job well done.

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How to Build Your Wedding Budget

July 24, 2016MBEhleAdvice, DIY, Saving

Couples engaged to be married have a lot on their plates as they begin planning their weddings. Whereas tradition once demanded parents of the bride pay for a couple’s wedding, nowadays more and more engaged couples are completely or partially financing their own nuptials. That means prospective brides and grooms must develop wedding budgets that won’t ensure their first act as Mr. and Mrs. is paying down debt.

In its 2015 Real Weddings Study, online bridal resource The Knot found that many couples still receive substantial financial support from their parents to pay for their weddings. The survey found that, on average, the bride’s parent’s contributed 44 percent of the overall wedding budget in 2015, while couples financed 43 percent (the remaining 13 percent was financed by the groom’s parents and additional sources). Couples who hope to follow that formula or pay for their weddings on their own can heed the following tips to build wedding budgets that won’t break the bank but will still ensure a day to remember forever.

· Examine your collective finances. Few couples know the details of each other’s finances before getting engaged. While some may still hesitate to share their personal financial information upon getting engaged, an open and honest discussion and examination of each person’s finances is the only way to develop a realistic wedding budget that both partners can live with. Once couples know what they can contribute, they can then consult their parents to determine if their mothers and fathers are intending to contribute.

· Develop a preliminary guest list. A preliminary guest list can give couples an idea of how large and expensive their weddings will be. According to the Real Weddings Study, the average cost per wedding guest in 2015 was $237. While that cost can vary greatly depending on geography and other factors, couples should keep that figure in mind when drafting their guest lists. If need be, keep costs down by trimming the guest list so it includes only close family members and friends.

· Don’t count on gifts. Many couples justify runaway wedding budgets by telling themselves that they will ultimately get the money back via wedding gifts. While many guests will give financial gifts, counting on such windfalls is a recipe for accruing debt. Do not build potential wedding gifts into your wedding budget. If you do so and your expectations fall short, you could be facing considerable debt upon returning home from your honeymoon.

· Gather quotes before choosing where to tie the knot. Where couples get married will have a great impact on how much money they will spend on their weddings. For example, the Real Weddings Study found that, in 2015, the average wedding in Manhattan cost couples slightly more than $82,000, while the average Alaskan wedding cost just over $17,000. Venues within the same city can vary greatly with regard to pricing and offerings as well, so couples should give themselves ample time to gather quotes and find an affordable venue they like.

· Build extra costs into your budget. When determining a budget you can live with, remember to include a little extra for unforeseen costs. Weddings are large undertakings, and it’s reasonable to expect some unforeseen costs to arise. Building such costs into your initial budget will make these unforeseen circumstances that much easier to handle.

Budgets can help couples stay on track and avoid debt as they plan their weddings.

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How Bulk Cooking Can Make Meals Easier

July 20, 2016MBEhleAdvice, Cookout, DIY, Grilling, Recipes

Healthy family meals can get lost in the shuffle of busy schedules. Convenience may win out when parents are short on time, and it’s hard not to be enticed by the ease of fast food or the lure of frozen foods. While these options are certainly fine on occasion, there is a more nutritious solution for time-crunched families.

Planning is a big part of enjoying a homecooked meal, and cooking in bulk can help families enjoy more homecooked meals. By thinking ahead about meals, you can more easily enjoy homecooked dinners than if you were to wait until the last minute to think about what’s for dinner.

If bulk cooking is a foreign concept, the following are some resources to help you along.

· Get started by browsing cookbooks, online recipes or speaking with friends and family members about their favorite meals, especially those that may be popular with younger eaters. Concentrate on a specific meal each day. Dinner is the meal many families hope to share, as breakfast and lunch are often eaten outside of the home. Make a list of the ingredients that go into your family’s favorite meals, selecting recipes that use many of the same ingredients.

· Wait until you have a free schedule and ample time to go to the store to shop for all of your supplies. Have a list on hand and check off each item as you find it. Cooking in bulk also means you can buy in bulk. Very often bulk-size foods are discounted, saving you both time and money. Shop for the staples that are needed for most meals, including fresh herbs, cheese, spices, oil, and whatever flavorings your family finds most appealing. Large bags of rice and potatoes also are handy to have available.

· Take advantage of warehouse club membership fees or manufacturer or store coupon deals on multiple buy specials. Buying jumbo-sized packages of food makes more sense when you intend to cook in bulk.

· Clean out the refrigerator and freezer, as you will need plenty of room to store your ingredients, and later, your prepared meals. Figure out when you will be doing the cooking so you know what will need to be refrigerated or frozen once you return from the supermarket.

· Establish a dedicated cooking day. Many bulk cookers cook on the weekend. You may be able to have a spouse or friend take the children for the day so there will be no interruptions.

· Gather all items that need to be chopped or sliced and set them aside. Leave ample time to chop or slice, which can take a lot of time. Use all of your available cooking resources, such as the grill, stovetop, oven, and slow cooker, at once. Then just drop the ingredients in as necessary.

· Have plenty of freezer-safe storage containers on hand. Divvy up the meals into containers and label clearly. Now each day of the week you have a fast meal that can be heated up in no time. Fresh bread and a salad may be the only other components you need.

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Creative Ways to Cut College Costs

July 14, 2016MBEhleAdvice, Coupons, DIY, Saving, School

The cost of college tuition continues to increase, and college graduates are feeling the burn of that trend when the time comes to begin repaying their student loans.

According to an analysis from higher education expert Mark Kantrowitz, publisher of Cappex, an online resource for students seeking college scholarships, members of the class of 2016 will graduate with an average student loan debt of just over $37,000. That projection, which was based on federal student loan data and variables including tuition inflation, would be an all-time high. Things are not much better in Canada, where the 2015 Graduating Student Survey by the Canadian University Survey Consortium estimated the average member of the class of 2015 graduated with $27,000 in debt.

Though many prospective college students are beginning to question if college degrees are worth taking on the kind of debt many students must take on to continue their educations after high school, statistics still indicate that college graduates have far greater lifetime earning potential than men and women who enter the professional arena with only high school diplomas.

So what can prospective college students do to avoid graduating without tens of thousands of dollars in debt? The answer might not be so difficult.

· Apply to tuition-free schools. Many students and parents might be surprised to learn that there are several tuition-free schools. Admittance to these schools is competitive, but students considering equally competitive, high-tuition alternatives might make strong candidates for admission to tuition-free schools.

· Apply to fixed-tuition schools. If tuition-free schools are not an option, students can save money by applying for admittance to fixed-tuition schools. Such schools guarantee that the tuition students pay in their freshman year will not increase during the ensuing three years. (Note: Tuition may increase if a student needs a fifth year of schooling.) That can lead to considerable savings, as many schools’ tuitions increase dramatically in just four years.

· Begin at a two-year college. Two-year colleges typically charge considerably lower tuitions than four-year colleges and universities. Students who want to save money may benefit by enrolling in a two-year college out of high school and getting all of their prerequisite courses out of the way at a more budget-friendly cost. When considering this option, make sure credits at the two-year college fully transfer to the four-year school students hope to enroll in after earning their associate’s degrees.

· Remain in-state for undergraduate degrees. In-state tuition at public universities remains a considerable bargain over out-of-state tuition or tuition at private universities. Students planning to do postgraduate work might benefit by enrolling in in-state public universities and saving their money to finance their postgraduate educations. Students who hope to attend a public university in a state that borders their home state may be eligible for a border waiver, which grants them in-state tuition even though they attended high school outside of the state.

Attending college has never been more expensive, but students and their parents can explore various options that can help reduce the cost of college tuition.

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Why Music Education Matters

July 10, 2016MBEhleHealthy, School

Come the 2016-2017 school year, the music and arts budget in the Los Angeles Unified School District will reach its highest point in a dozen years. While that’s great news for students, it also illustrates the sad fact that arts and music programs have taken a considerable hit in recent decades, when arts education fell victim to budget cuts.

The benefits of music education extend far beyond getting kids to tap their toes. The National Association for Music Education lists the following benefits among the many reasons to support music education in schools.

· Music training helps develop language skills. Studies have shown that music training contributes to the physical development of the part of the left side of the brain associated with processing language. A 2005 study from researchers at Stanford University found that mastering a musical instrument may also improve reading skills, which can benefit students both inside and outside the classroom.

· Music training can improve hand-eye coordination. Studies have linked long-term music training to improved hand-eye coordination. That is likely connected to the motor skills children develop when playing musical instruments. Without those instruments, those motor skills may not develop as strongly.

· Music improves concentration. Even students who cannot play a musical instrument can still benefit academically from simply listening to music. In 2007, a research team from the Stanford University School of Medicine found that music engages the areas of the brain involved with paying attention. Today’s students deal with numerous distractions, from smartphones to tablets to social media, but those who routinely listen to certain types of music might find it easier to block out those distractions and focus on their work.

· Music can help students’ emotional development. A 2003 study commissioned by Chorus America found musicians are more likely than the average person to be involved in charity work as volunteers and donors. The NAfME also notes that music students may be more likely to exhibit empathy toward other cultures.

· Music can improve self-esteem. In a study examining 117 fourth grade students attending public school in Montreal, a researcher at the University of Texas at Austin found that children who received piano lessons weekly for three years had higher self-esteem than children who were not given piano lessons during the same period. Neither group had participated in formal music instruction before the study, and students in both groups reported similar levels of self-esteem prior to participating in the study.

Music education can enrich the lives of young students in a myriad of ways, potentially contributing to happier, more fulfilling lives.

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Make This a Safe Fireworks Season

July 3, 2016MBEhleAdvice, DIY, Projects, Seasonal, Summer

Fireworks displays are a hallmark of summer, and a frequent component of Independence Day celebrations and commemorative events that require a touch of flair. Awe-inspiring pyrotechnics shows lure millions of spectators around the world each and every year.

Many people experiment with fireworks on their own, but that can be dangerous. According to the U.S. Consumer Products Safety Commission, thousands of people are injured by fireworks in the United States each year. Whether purchased legally or on the black market, fireworks pose a considerable threat. Fireworks purchased on the black market may be especially dangerous, as they likely were not subjected to government regulations and inspections.

While summer might be the season of fireworks, it’s important that people who intend to incorporate fireworks into their summer festivities keep safety in mind at all times. The following are a handful of ways to ensure this summer is both fun and safe.

· Attend a municipal firework display rather than hosting your own. Professionals follow certain safety protocols that private citizens are unfamiliar with, and there is often a considerable distance between audiences and professional fireworks displays.

· Exercise caution if fireworks are legal where you live. Maintain a safe distance from fireworks at all times and never allow children to handle fireworks.

· Read and strictly adhere to manufacturer’s instructions.

· Light only one firework at a time, and never attempt to re-ignite a firework that doesn’t light the first time around.

· Do not carry fireworks in your pocket.

· Do not shoot fireworks out of metal or glass containers.

· Always wear safety glasses when lighting fireworks, and keep water or a fire extinguisher around for emergencies.

If not handled properly, fireworks can cause serious injuries to kids and adults. The safest way to enjoy fireworks is to leave it to the professionals.

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7 Ways to Make Mornings Less Hectic

July 1, 2016MBEhleAdvice, Cleaning, Cookout, Home Improvement, Organize, Projects

Many families find the rush is on to make it to school and work on time each morning. Feeling rushed in the morning is a recipe for added stress. Rushing through things is a poor way to begin a day, and those feelings of uneasiness can put a damper on the rest of the day ahead.

Making mornings less hectic involves a few different strategies that parents and kids can easily incorporate into their daily routines.

· Wake up slightly earlier. Getting up earlier than normal, even if it’s just 15 to 20 minutes before you’re accustomed to getting out of bed, can help reduce morning stress. Resist the temptation to hit the snooze button over and over again. A few extra minutes each morning can make you feel more relaxed and make for a smooth, stress-free start to the day.

· Get some work done the night before. Prepare lunches the night before and have them ready in the refrigerator. In addition, lay your clothes for the following day out each night. This saves time and takes a couple more things off your morning to-do list.

· Ease back into a routine. As a new school year dawns or a long vacation comes to an end, begin going to bed earlier and start waking up earlier as well. This can make the transition from carefree mornings to busy mornings go more smoothly.

· Prep backpacks in the evening. Look through folders, sign paperwork, check assignments, and do whatever is you need to do the night before to save your family from having to scramble in the morning. This ensures those permission slips get signed and items make it back into school bags.

· Opt for school lunch a few times. Look ahead on the school lunch menu and speak with children about which meals they enjoy. Let kids purchase school lunch on those days to give yourself a day off from lunch detail.

· Have quick breakfast foods available. Smoothies, cereal bars, oatmeal, and whole-grain cereals are fast and nutritious ways to start the day.

· Carpool whenever possible. Busy families can save themselves extra work by proposing a neighborhood carpool. Sharing school dropoff detail frees time up for parents once or twice a week, and kids may enjoy traveling to school with their friends.

Mornings can be tricky when family members are getting ready for school and work at the same time. By practicing a few daily rituals, it’s possible to curb the rush and start the day happier and more relaxed.

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Help Plants Survive Sizzling Summer Heat

June 28, 2016MBEhleAdvice, DIY, Garden, Gardening, Lawn, Lawn Care, Summer

Many people consider summer the most enjoyable time of year, as the summer sun and warm breezes make the season perfect for rest and relaxation. But the months of June, July and August, which are often characterized by rising temperatures and stifling humidity, can be tough to endure as well.

When summer heat becomes especially uncomfortable, humans can simply head indoors and beat the heat in air conditioned buildings and homes. Plant life is not so lucky, and homeowners may need to take steps to help the plant life on their properties survive the summer heat.

· Monitor soil moisture. Soil moisture, or a lack thereof, can help homeowners determine if their plants are struggling to survive the heat. To check soil moisture levels, use a ruler or even your finger, sticking either two inches into the ground where you suspect the soil is drying out. If the soil is damp two inches below the surface, then your plants are likely retaining enough moisture to withstand the heat. If the soil is dry two inches below, then you may want to give the soil a deep soak.

· Keep an eye on container gardens. Containers may have an especially difficult time staying moist in the summer heat. That’s particularly true for containers that sit in direct sunlight. Water container gardens daily during summer heat waves, being sure to adhere to any local water restrictions.

· Lay down mulch. Mulch helps insulate and protect soil during summer, when soil can quickly dry out. When applied correctly (ideally before summer temperatures get too hot), mulch helps the soil conserve moisture and prevents weed growth. Weeds can rob soil of the water it needs to promote strong root systems, which can help plants get the nutrients they need to withstand summer heat. Mulched soils also do not experience the fluctuations in temperature that non-mulched soils can experience during summer heat waves, helping plants to grow evenly.

· Move plants when possible. Plant location can affect their chances of surviving summer heat. Driveways lined with flowers or other plants may look nice, but driveways exposed to the sun can radiate heat at temperatures that exceed the temperatures noted on the thermometer. If possible, move plants to locations on your property that are less exposed to the heat and/or less likely to be affected by the heat. Move container plants beneath trees on hot days, and consider summer heat waves before planting new flower beds.

Summer heat can be especially harmful to plant life. But homeowners can employ various strategies to protect the plant life on their properties when temperatures rise during the dog days of summer.

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Help Kids Get Ready for Fall Sports Season

June 26, 2016MBEhleAdvice, Growing, Healthy, School, Seasonal

Summer is a season of relaxation, especially for school-aged children who are not yet old enough to work. Such youngsters no doubt enjoy the chance to spend summer days lounging poolside or at the beach, all without a care in the world or any homework to complete.

Though summer is synonymous with R&R, parents of young athletes who hope to compete in scholastic athletics when the school year begins in autumn may need to take steps to ensure their kids aren’t at risk of injury once the curtain comes up on fall sports season.

· Examine and replace equipment if necessary. The right equipment can protect kids from injury and help them realize their full athletic potential. But damaged or outdated equipment can increase kids’ risk of injury. Examine kids’ equipment long before fall sports season begins so you have time to bargain hunt should anything need to be replaced.

· Schedule a physical for your child. Many school districts mandate that athletes receive and pass physicals before they can compete. Speak with the athletic director at your child’s school to learn the guidelines that govern athletic physicals. The physical will need to be conducted by a predetermined date, but you may also need the physical to be conducted after a certain date for it to be considered valid. Speak with your child’s physician if any problems are found during the physical.

· Let kids heal. Kids’ schedules are busier than ever before, and many youngsters play several sports during the school year. Summer vacation may be the only extended period all year that youngsters’ bodies get to heal. While it’s important that kids stay physically active throughout the summer, make sure they don’t overdo it, as you should emphasize the importance of rest.

· Gradually get back in the swing of things. While rest gives kids’ bodies a chance to heal and develop, it’s important that young athletes stay in shape over the summer. As the fall sports season draws near, help kids gradually get back in the swing of things. Tryouts tend to be physically demanding, so kids who have not lifted a finger all summer may be at risk of injury or missing the cut. Let kids ease back into regular exercise to make sure they are not starting from scratch come their first tryout.

· Speak with coaches. Coaches can be great assets to parents who want to make sure their youngsters enjoy the summer without sacrificing their chances of making the team in the fall. Speak with kids’ coaches to determine if there is any area your son or daughter can work on over the summer to improve his or her chances of making the team. Make sure kids are the ones leading the charge to improve their games; otherwise, they may feel pressured into doing so and that can take away the fun of playing sports.

Scholastic athletes should take advantage of the opportunity to relax and recover that summer presents. But athletes who hope to compete in the fall can still work with their parents to ensure they’re ready once the school year and sports season begins.

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Tips for Safe Home Grilling

June 23, 2016MBEhleAdvice, Cookout, Food, Grilling, Recipes, Spring, Summer

Millions of grilling enthusiasts take to their backyards each year to cook delicious foods over an open flame. Grilling is embedded in the history of many cultures, and to this day many people feel nothing beats the savory flavor characteristic of grilled meats, poultry, seafood, and vegetables.

Although many people safely enjoy outdoor barbecues every day, accidents can happen. According to the U.S. Fire Administration, roughly 6,000 grill fires take place on residential property every year in the United States alone. Many grilling accidents can be prevented with some safety precautions and a little common sense.

When grilling, place the grill in a safe location. Grills should be at least 10 feet away from the house when they are in use. Also, keep the grill away from wooden overhangs or other structures attached to the house, such as garages and porches.

Before using a gas grill, inspect it to make sure there are no gas leaks. Ensure hoses are properly connected and that the grill looks in good repair.

Use propane and charcoal grills outdoors only. Never bring such grills into your house, even if it seems like there is ample ventilation. Potentially fatal carbon monoxide can build up quickly.

Keep children and pets away from the grill area. Grills can be knocked over easily, and kids and pets may burn themselves if they bump into a hot grill.

Clean the grill regularly. Grease and fat buildup forms in the tray below the grill and can be quite flammable. By brushing off the grates after each use and periodically removing food and grease buildup, you can prevent flare-ups that may ignite the grill.

Always tend the grill while cooking. Walking away for even a minute may lead to accidents.

Store unused propane tanks upright at all times to prevent leakage. Keep them outdoors and beyond the reach of children. Never smoke near propane cylinders and never move a lit grill.

Keep a fire extinguisher handy in the event of a flare-up. A hose may not prove effective on a grease fire.

It’s also important to emphasize food safety when grilling. Invest in a food thermometer so you can test the internal temperature of foods and prevent foodborne illnesses.

Grilling is a great and flavorful way to cook. But safety must remain a priority when grilling.

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