Solutions to Household Budgetary Woes

If it always seems like your money disappears as fast as you earn it, you’re not alone. All too many people live from paycheck to paycheck — even when their income is well above average.

Why is this condition so widespread? Well, the reasons are as varied as people’s spending habits, lifestyles, and financial obligations, but there is one factor that is often overlooked: self-defeating attitudes toward money. Here are a few examples you may be able to relate to:

  • “I don’t have the time or patience to compare prices.” The truth of the matter is that it doesn’t really take that much time to do a few quick price comparisons when you’re in the supermarket, department store, or on the Web. During the course of a typical week, you probably make dozens of spending decisions, many of them almost unconsciously. By simply increasing your awareness of how much you’re spending and what the alternatives are (if any), you can often save hundreds of dollars a month.
  • “People who use coupons are penny pinchers.” Although the term “penny pincher” is frequently used to describe someone who’s stingy or overly careful with their spending habits, some people consider it a badge of pride to be frugal and careful with their money. It’s all a matter of perspective. There are numerous blogs, small businesses, and newspapers that have no reluctance about including the words “penny pincher” in their name While few people want to be thought of as cheap or stingy, frugality has different connotations. It’s associated with being economical and thrifty.
  • “I don’t want people to think I’m cheap.” This can be a tough self-defeating thought to overcome because it’s often so deep rooted. However, if you’re a compulsively high tipper or often feel obligated to pick up the check at restaurants (rather than splitting it with your fellow diners), this could be a contributing cause of your budgetary problems. Generosity is a wonderful thing, as long as it’s not based on a desire to be liked, accepted, or approved of by other people. As a side note, concerns about being perceived as “cheap” is one reason some people don’t take a closer look at their retail receipts, restaurant bills, and other invoices. Remember this: There’s nothing cheap about being unwilling to pay extra for cashier or restaurant staff mistakes — which are more common that you might think — and unauthorized or redundant fees on bills.

Another factor which contributes to tight household budgets is not having a budget at all. If you don’t take the time to identify your expenses and deduct them from your monthly income, then it’s next-to-impossible to gain control of your finances. While there’s no panacea for spending beyond your means — and some people clearly need professional advice and help in dealing with financial management and debt problems — sometimes a few simple attitude shifts can make the difference between scarcity and surplus in your life.

Design Your Home To Meet Handicap Needs

Injuries, physical disabilities, surgeries and bone density issues can make it difficult to be mobile. They can also make it challenging to get in and out of a home, including the home of a relative or friend. With a few changes, your home can present less of a challenge for people with unique physical needs.

Ensure that banisters outside and inside your home are secure. When you pull on banisters or place weight on them, make sure that they don’t pull away from the ground or wall. This could keep people with physical disabilities safe. It could also help to keep children safe.

Although banisters are often used by people who are injured, aging or disabled, ensuring that your banisters are sturdy isn’t the only step that you can take to create a home that supports people with unique physical needs. Additional ways that you could create a home environment that supports people with physical disabilities include:

Wide walkways – Walkways that are at least 36 inches wide offer added accessibility to your home. Exterior coverings should be high enough to prevent tall people from having to bend over to enter your house without bumping their head or shoulders. Sidewalks should be free of debris, boxes and items that children and adults would have to climb over or maneuver around.

Wheelchair ramp – A wheelchair ramp needs to be sturdy and wide enough to support several hundred pounds. During inclement weather, including hard rains and icy conditions, the ramp should be cleared and kept dry.

Bathroom support rails – People with conditions like sickle cell anemia, muscular dystrophy and Parkinson’s may need to hold onto a railing to get in and out of the tub or shower. So too might someone who suffered an injury or who is recovering from surgery. Hardware stores sell steel bathroom support rails, but, they must be properly installed. You could hire a professional to install support rails.

Adequate lighting – Motion detector lights outside your home serve multiple purposes, including deterring burglars and preventing falls. The lights can be installed near front and back walkways and along roof corners.

Nonslip surfaces – Keep sidewalks shoveled and salted in the winter. You could also place rubber mats on porches and inside doorways year round to prevent slips and falls after a rain or whenever people get their feet or shoes wet.

Open floor plan – An open floor plan is great at making it easy for parents to keep an eye on young children. An open floor plan also reduces the numbers of doors that people have to push through to go from room to room.

Keyless door entry – Similar to benefits derived from an open floor plan, keyless door entry can take the strain out of fumbling with keys. You can also opt for door handles that operate with levers rather than knobs to reduce the numbers of times people with arthritis and other tissue and muscle issues have to work to open doors.

Level flooring – Uneven flooring can cause people to stumble, trip and fall. Whether floors are carpeted, tiled or hardwood, ensure that they are even or level. Replace areas that have started to curl or bubble.

Security alarms – Install security alarms that not only alert first responders to burglaries but that also alert first responders to falls and accidents on your property.

Cabinets – If needed, lower cabinets so that shorter adults can reach plates, cups and glasses. However, avoid placing frequently used items in bottom cabinets that require adults to bend to the floor, potentially making it hard for aging adults or people recovering from injuries to reach the items.

The National Directory of Home Modification Resources and state agencies list organizations that provide tools that you can add to your home to make it easier for aging parents, injured people and children and adults with physical disabilities to visit or live in your home. Who knows? Modifications that you make today could allow you to remain in your home years from now.

De-stress By De-Cluttering

While your home is a sanctuary, there’s plenty of ways that being inside of your own home can be stressful. In this article, we’ll break down all of the ways that you can assess your home and make it a place of solace, not stress.

Take A Step Back

See what you love and what you hate in your home. If you take a step back to see what you need and what may be simply clutter, you’ll be able to make your home simpler and happier. Make a list of what gives you the strongest impression in each room and work from there.

Let Go

If something is simply a dust collector, it may be time to let go of it. Items that no longer work properly are also candidates to head out the door. Also, consider ditching items in your home that cause unpleasant emotions to bubble up. You don’t need that in your life! While sometimes it’s hard to let go of certain objects, when you look at them from an outsider’s perspective, you may realize that you have been hanging on to too much for too long.

Hang On

There’s certain items that you should definitely keep around your home. These include the things you love. If something brings you joy, you should absolutely hang on to it! These objects that you choose to keep don’t have to be extravagant, they can be simple objects. If you love your wooden spoon and it’s in useful condition, you should definitely keep it! Art and certain precious mementos are what we often think of when we bring to mind things that we love, but anything that reminds us of positive emotions can be a keepsake. Obviously, beat up, useless objects shouldn’t be considered. That would defeat the purpose of this exercise!

Deep Clean

Giving your home a deep clean after the purging process is the next logical step. You may even consider hiring professionals for this step. Get out your vacuum, dusters and polish and get to it! Cleaning has a way of making things feel new again. This helps reduce clutter and in turn, reduces stress.

Try New Things

The next step is to try some new things in your home. Don’t be afraid to step out of your comfort zone. Maybe you’ve been thinking of painting a room a color that’s a bit outside of the box. Maybe you’ve been eager to cook a complicated dish in your kitchen. Everything new that you try will help you to change the way you identify with your home.
Creating a relaxing space isn’t a process that will happen overnight. With the right steps snd the right approach you can create your space to be something that you absolutely cherish over time. The material things of your life and your emotional well-being really do have a connection. Clearing the clutter around you can be a very effective way of reducing the stress in your life.

Open house on 11/20/2016 at 29 Pinckney St Somerville, MA 02145


Date: 11/20/2016 Time: 12:00 PM to 1:30 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Spacious, renovated two level condo in great East Somerville neighborhood! Just blocks to the trendy pubs and restaurants on Lower Broadway and less than a mile to all the hip night life that Union Square has to offer! The main floor has an open layout with gleaming wood floors, high ceilings and large rooms, an eat-in kitchen with corian counters and new appliances, a living room and a sunny dining room or second LR with a working fireplace. Completing the main floor is a full bath, lg bedroom with walk-in closet and 2nd bedroom. The upstairs features a master bedroom, a lg master bath with a double sink vanity, stand up tile shower and seperate soaking tub. An office or nursery completes the top floor. The unit also features a shared city garden back yard, in unit laundry and lots of bsmt storage. Boston is virtually at your doorstep and transportation abounds. The Orange Line at Sullivan Sq is just blocks away and the proposed Green Line ext should be in Union Sq. soon.