Thousands of courses for $10 728x90

الثلاثاء، 24 ديسمبر 2019

20 Last-Minute Christmas Gifts You Can Pick Up on the Way to the Party

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

The Christmas party is in two hours. 

You step out of the shower, wrap yourself in a towel, head over to the mirror and wipe a spot clean so you can see your face. 

You continue to get ready, and your mind wanders. 

You already picked up a bottle of wine to bring (and it was a good deal, too!); all the presents are wrapped. Just gotta get dressed, put everything in the car and —

Oh, no.

It hits you in the stomach like a super-sized helping of pumpkin pie: You forgot a present. 

Your mom texted you to remind you your great-uncle is coming, but with everything else on your overflowing holiday plate, you didn’t get to cross him off your list.

It’s Christmas Day and everything is closed. — even Amazon Prime can’t save you now. What’s a Penny Hoarder to do?

20 Last-Minute Gift Ideas

It’s possible you could get stuck in a situation where the only viable option is hitting the pharmacy or grocery store on the way to Grandma’s. But that doesn’t mean Uncle Mark’s stocking stuffer has to be a bottle of Advil. 

If you’re creative, you can find awesome Christmas gifts wherever you go. Just put a ribbon on it, and it’s an instant gift!

Don’t believe me? Here are 20 ideas to get you rolling.

1. At-Home Movie Night

Does your convenience store carry bargain DVDs? Microwave popcorn? 

Snag ‘em and grab a bow: You’ve given the gift of a night in!

2. At-Home Spa Day

Raid the beauty aisle for a few bottles of nail polish and a foot scrub, or try a luxurious face mask

Let your giftee pamper herself! 

3. Bottle of Wine

A group of friends celebrate Christmas wine wine.

If you live in a state where beer and wine are sold in drug stores and groceries, no worries!

You have an opportunity to give a classic gift — even at the eleventh hour. Here’s how to pick a decent bottle of budget wine.

4. Nice Olive Oil

You may be worried your giftee doesn’t need this household staple. 

But if you skip the generic stuff and pay a little more for a fancy imported bottle, you’ve got a great gift your recipient will actually use — guaranteed.

5. Gourmet Vinegars

Here’s what I had for dinner last night: skewered grape tomatoes and marinated mozzarella balls on a bed of arugula, all drizzled with a delicious balsamic glaze.

I dare you to try it and still think vinegar is a stingy gift.

6. Artisan Pasta

Skip the blue box. 

Scour the Italian aisle for tri-color tripolini and a high-end jar of sauce for good measure. You’ve given the gift of a nice meal.

7. Spices

Yeah, there’s nothing very exciting about garlic salt or onion powder.

But what about a jar of Spanish saffron or grains of paradise? 

Bonus: Find a great-looking recipe that uses the spice(s) you choose. Write it into a Christmas card to go along with your gift.

8. Coffee or Tea

Duh! 

These are staples in pre-packaged gift baskets. Pick a whole-bean variety from your grocery aisle so your giftee can get it ground fresh to his needs, or pick up a bag of fancy-ish loose-leaf tea.

9. Nuts

A nice package of pistachios or macadamia nuts can make a nice (healthy!) gift. 

They’re pricy enough that your recipient probably doesn’t keep them on hand — but inexpensive enough to be Penny Hoarder-friendly at the same time.

10. Chocolate

Chocolate bars filled with peanuts and nought.

OK, chocolate has shown up on every single gift post I’ve written, so I’m sorry if this sounds redundant. 

But, uh, chocolate is awesome

And it’s available at pharmacies and groceries everywhere. Skip the M&Ms and spring for the good stuff — you’ve got a gift that’s hard to beat! 

11. Fresh Baked Goods

If CVS or Walgreens is your only option, this likely won’t work for you. 

But if you can swing by the supermarket on the way to the soirée, consider grabbing a beautifully decorated cake from the case — or even just a nice loaf of bread.

12. Fresh Fruit

Step one: Grab strawberries.


Step two: Grab some melting chocolate. 

Step three: Prepare for your giftee to love you forever.

13. Custom Gift Basket With Any of the Above

Soda crackers, sharp cheese and red wine.

Dark chocolate and almonds, with a perfectly paired dark roast coffee to enjoy alongside. 

A bag of apples and a jar of caramel sauce.

The possibilities are endless — and the best part? All you really need to make anything a gift is a ribbon. Your grocer probably also sells them during the holidays. 

14. Indoor Plant or Fresh Flowers

Everyone loves bringing fresh flora indoors. 

Grab a bouquet or a potted plant for your host — if she’s a cook, maybe even a couple of potted herbs from the produce section! 

We promise we won’t tell her about your ulterior motive — to have fresh basil with the pasta she’s making.

15. Candle

A candle the shape of an ornament is lit on Christmas day.

Candles are great, because they’re both visual and olfactory. 

Plus, all those nice holiday scents — like evergreen and peppermint — are likely to be on steep sale!

16. Book

You might want to skip the cheesy romance novels, but most convenience stores have at least a few recent bestsellers.

17. Gift Cards

Grocery stores sell gift cards to everything from restaurants to iTunes. 

Although we’d usually recommend you get a discounted gift card on a site like Raise, this is a decent last-minute option.

18. Christmas Ornament 

Help your host commemorate another awesome year and successful holiday. No one has to know it was a last-minute purchase!

Many pharmacies carry ornaments and decorations in their seasonal aisles — and this late in the game, they might also be on sale. 

19. Cookware 

There are actually some pretty cool cooking gadgets on the endcap you always pass at the grocery store. 

Your host might love a pretty new ceramic pie pan — or maybe a slow cooker!

20. Photos

Drop by the photo center to print a few favorite memories from a USB stick. Then spend some time sharing them around the table.

Need More Ideas? 

At the end of the day, even a thoughtful card is better than nothing. You just need to show you didn’t forget about the person in question (even though you totally did). 

Grab a Christmas card and write an IOU for a home-cooked meal, a night out or a few hours catching up over coffee — a gift way more thoughtful than any object you could wrap and put under a tree.

Jamie Cattanach is a contributor to The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2sjaHFZ

Cancel Free Trials Before You Start Getting Charged. Here’s How

Free trials aren’t really meant to be free.

The goal is to introduce you to a product or service and then hook you so you decide to keep it (and pay for it) beyond the trial period.

Either that or the company is hoping you just forget to cancel so they can automatically start charging you for it. Ever wonder why you have to provide your credit card information to sign up for something that’s free? That’s why.

If you don’t want to become an unintentional paying customer, it’s vital that you know how to cancel free trials.

Consider the Cost Before Signing Up for a Free Trial

Signing up for a free trial is a great way to test out a product or service without spending any money.

Curious how YouTubeTV works but aren’t ready to sign up? Feel like binge-watching your favorite animated classics without forking over the $69.99 Disney+ annual subscription? Free trials can give you a sneak peek.

But they can end up costing you if you’re not careful.

Even if you think you’ll definitely cancel the service before your free trial is over, be cautious about signing up for something that doesn’t fit into your budget. You don’t want to fall in love with a service only to have no choice but to cancel it because you can’t afford it. And you don’t want to overdraft your account in the event that you don’t end up canceling in time.

In addition to hoping you don’t cancel, companies also want to make sure they can actually get paid. Though a free trial shouldn’t cost you anything, you may see a pending charge or pre-authorization on your account, which is basically the company’s way of verifying that your account is legit.

Avoid Paying When Your Free Trials End

One way to avoid going past a subscription’s free trial period is to cancel right after signing up. You won’t have to worry about remembering to do it at the end of the week or month or whenever the trial ends. 

However, it’s important to note: Only do this if the company will continue providing the service through the end of the trial period. Some don’t and will cut you off as soon as you submit your cancellation. Then you’ve wasted the opportunity to test out the service.

Using a virtual credit card is another tactic to avoid paying for subscriptions past the trial period. Virtual credit cards are credit card numbers issued by some banks, credit card companies and independent financial companies. (You don’t actually get a physical card.) These virtual cards often are restricted to a one-time use or have a short expiration period, which makes them favorable to people signing up for free trials.

The startup DoNotPay has a similar service that generates virtual credit card numbers you can use for free trials. The card numbers can’t be charged again after a trial period ends, and they aren’t tied to your bank account.

Then there’s always the strategy of simply canceling your free trial right before it ends. Set a reminder (or two) to cut your ties with the service before payment becomes due. 

Most companies aren’t going to send you a reminder that your free period is about to be over. (Though Mastercard requires some merchants to do so.) Mark your calendar, set an alert on your phone or do whatever you need to remember to cancel.

Pro Tip

Regularly review your monthly bank statements or credit card statements so you can catch any unexpected charges — like a subscription you forgot to cancel.

Make sure you read over the cancellation policy when you sign up for a free trial. Some companies require you to submit cancellation requests a day or two before the start of the first billing period. Generally, when you log into your account, there’s an option to cancel under the section for billing or subscription management. There will probably be multiple prompts to convince you not to cancel, but don’t let them sway you.

How to Cancel 12 Popular Free Trial Offers

A person works on a laptop while wearing white converse shoes.

We browsed the cancellation policies of several popular services to get instructions on how to cancel their free trials. In every case, make sure you complete all the steps to confirm your cancellation. Lots of companies send email confirmations.

These guidelines are based on canceling directly through each service. Canceling a trial you acquired through a third party — for example, a free HBO trial you signed up for through your cable provider — may require different steps.

1. How to Cancel an Adobe Free Trial

Here are the steps to cancel a free trial of Adobe.

  1. Go to www.adobe.com and log into your account.
  2. Find your plan and click “Cancel Your Plan.”
  3. Select the reason you want to cancel and hit “Continue.”

2. How to Cancel an Amazon Prime Free Trial

According to the terms and conditions for Amazon Prime, you have three business days from when your free trial converts to a paid membership to get a full refund, provided you haven’t used any of the Prime benefits during that three-day period. However, to cancel your trial before it switches to the paid version, visit this page and click the “End Membership” button.

3. How to Cancel an Ancestry Free Trial

According to Ancestry Support, your free trial ends automatically once you cancel it, even if additional days were remaining in the trial period. Cancel Ancestry’s free trial by following these steps.

  1. Log into www.ancestry.com.
  2. Select your name or username in the top right corner and click on “Your Account.”
  3. Go to the section for “Subscriptions” and click “Cancel Subscriptions.”

4. How to Cancel an Audible Free Trial

Here’s how to cancel your free trial of Audible.

  1. Log in to your account at www.audible.com.
  2. Go to “Account Details” and then “Account Settings.”
  3. Click on “Cancel my Membership.”

5. How to Cancel an Avast Internet Security Free Trial

An article from Avast’s support page states the company will send an email notification to remind users before their trial period ends and auto-payment starts. See the steps below to cancel your free trial before you get charged.

  1. Log into your account at my.avast.com.
  2. Click “Unsubscribe” for the subscription you want to cancel.
  3. Select “Unsubscribe from Future Renewals and Let my Subscription Expire on MM/DD/YYYY.” Make sure the date indicates the end of your trial period.
  4. Click “Confirm” and then click “Got it” at the next prompt.

See here for additional instructions on how to cancel if you signed up using a different order distributor.

6. How to Cancel a Disney+ Free Trial

According to the terms in its subscriber agreement, you can cancel at any time during your free trial and still enjoy the service through the end of that trial period. Follow these steps to cancel your free Disney+ trial from your web browser.

  1. Go to www.disneyplus.com and log in to your account.
  2. Click on your profile in the upper right corner of the screen.
  3. Click on “Account” and then “Billing Details.”
  4. Choose “Cancel Subscription” and then hit “Complete Cancellation.”

See here for more information about cancelling your subscription, including directions on how to cancel from some third-party platforms.

7. How to Cancel an HBO NOW Free Trial

HBO’s Help Center states that you must cancel your trial at least 24 hours before the trial period ends. However, you can still enjoy service during the entire trial period, regardless of when you cancel. Here are instructions on how to cancel if your free trial is directly from HBO.

From a computer:

  1. Go to www.HBONOW.com and log in.
  2. Go to your profile icon in the top right corner and then select “Billing Information.”
  3. Click on “Auto-Renew On” and confirm you want to cancel by selecting “Yes, Turn It Off.”

From a phone or tablet:

  1. Log onto the HBO Now app.
  2. Tap your profile icon in the top right corner and then the settings icon.
  3. Select “Billing Information” and then “Cancel Your Subscription.”
  4. A new web page will open. Tap “Auto-Renew On” and confirm you want to cancel by selecting “Yes, Turn It Off.”

See here for information on how to cancel if you signed up for your trial through a third-party provider.

8. How to Cancel a Hulu Free Trial

According to Hulu’s terms and conditions, your service may end immediately upon cancellation. Follow these steps to cancel.

  1. Visit www.hulu.com and log in or open the app on your phone or tablet.
  2. Choose the “Cancel” option under the “Account” page.

9. How to Cancel a Netflix Free Trial

According to Netflix’s Help Center, the streaming company sends notifications to free trial users to remind them when the trial is about to end. Follow these steps to cancel your Netflix free trial.

  1. Log into www.netflix.com.
  2. Go to your account page.
  3. Click on “Cancel Membership.”

10. How to Cancel a Showtime Free Trial

Follow these steps to cancel your free trial of Showtime via your web browser.

  1. Go to www.showtime.com and log in.
  2. Go to “Account Settings” from your profile icon.
  3. Click on “Your Subscription” and then “Cancel Your Subscription.”

See here for information about how to cancel your subscription through third parties.

11. How to Cancel a Starz Free Trial

  1. Log into www.starz.com from your web browser.
  2. Click on the gear icon found in the upper right side of the screen.
  3. Select “Subscription” and then “Cancel my Subscription.”

The “Cancel” tab on this page contains additional information about ending your Starz subscription from third-party providers.

12. How to Cancel a YouTube TV Free Trial

Cancel your YouTube free trial by following the steps below.

  1. Go to tv.youtube.com and sign in to your account. 
  2. Go to “Settings” and then to “Membership.”
  3. Choose “Pause or Cancel Membership” and then click on “Cancel Membership.”

See here for additional information about cancelling on an Android or Apple device.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2MqouSi

Want to Save Money? Think About Getting This Kind of Credit Card

These days, most of our financial transactions don’t involve actual bills and coins.

Instead, we insert a microchipped card into a machine, type numbers onto a screen or simply hold our smartphones up to a mobile payment reader.

Voila! Money exchanged in seconds.

A virtual credit card is another tool in modern-day commerce. It’s an alternate credit card number that eliminates the need for a physical card — or even access to your real card number.

But why swap out your real credit card for a virtual one? Two main reasons: It can help safeguard your financial information and even save you money.

Security Benefits of a Virtual Credit Card

A virtual credit card is often used for security reasons. Virtual credit card providers, which include banks and standard credit card companies, generate a unique card number for you to use. When you make a purchase using your virtual card, the seller receives that fabricated card number rather than the digits on your real card.

While your virtual card is linked to your bank or credit card account, using that alternate credit card number makes it less likely that a data breach or fraudulent activity would impact your main account.

Money-Saving Benefits of a Virtual Credit Card

Virtual credit cards also help give consumers greater financial control. These card numbers typically have a short shelf-life — sometimes generated for a single use only. Some virtual credit card issuers allow consumers to select the card’s expiration date or spending limit. In other instances, consumers can restrict the card to a particular merchant.

If your virtual number is restricted to a one-time transaction, you could use it when signing up for a free trial without worrying about getting charged if you don’t cancel in time. Or if you cap your spending limit at $50, you can thwart a major online shopping binge.

Speaking of online shopping, It’s important to note that virtual credit cards can only be used for purchases online or over the phone. Physical cards aren’t issued. That means you won’t have one to, say, show at a rental car counter to verify a reservation.

How to Get a Virtual Credit Card

There are a few ways to get a virtual credit card, though it’s not a widespread service.

Two banking institutions that provide virtual credit cards are Capital One and Citi. Capital One’s virtual assistant service, Eno, provides customers with virtual credit card numbers via a browser extension when shopping online. Select Citi cards have a virtual account number feature that creates randomly generated account numbers. 

Aside from these options, there are independent financial companies that issue virtual credit cards, such as Privacy and Divvy. The startup DoNotPay has a similar service that generates virtual credit card numbers to use for free trials — and it isn’t linked to your bank account at all.

Pro Tip

Make sure the virtual credit card provider you use is safe. Check for statements that the company adheres to payment card industry data security standards or is PCI DSS compliant.

When considering using a virtual credit card, be aware that some companies charge fees — for creating a new card number, for each time you use the card or for maintaining your account. Companies like Divvy and Privacy, however, provide virtual credit cards for free. Instead, they make their money through interchange fees — the transaction fees merchants pay when customers make purchases with debit or credit cards.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2MoIVir

Optimizing Laundry for Money and Time

A few months ago, I made an offhand mention of the fact that I find breaking down common household tasks to be as inexpensive and time efficient as possible to be an enjoyable hobby, and I pointed to how I honed several frequent household chores in this way, including laundry.

After that, several readers wrote in and asked me to spell out in as much detail as possible how I minimize the cost and time investment of laundry. How do I keep the costs low? How do I keep from devoting tons of time to it?

I thought it might be worthwhile to walk through my system for keeping my laundry done as cost-effectively as possible.

Re-wear a lot of your clothes.

I wash undergarments after a single use, but with shirts and pants and other garments, I take a moment to evaluate them as I’m changing clothes. Does this item still look and smell clean? I’ll look it over for a few seconds and give it a sniff test in a few spots. If anything doesn’t pass muster, it goes straight in the dirty clothes, but if it looks and smells fine, I fold it, hang it up or put it in the “transition pile.”

The truth is that many days, I get up and take a shower and then put on clean clothes and then don’t do anything particularly active for several hours, at which point I might change into gym clothes or going-out-of-the-house clothes. If those clothes aren’t dirty, I simply don’t wash them.

My rules for re-wearing line up very well with this article from Unexpected. To summarize:

1. Never re-wear undergarments.
2. Almost always re-wear jeans.
3. Have a “transition pile” for frequently-worn garments that aren’t really dirty or clean, like hoodies and jeans.
4. If you got sweaty at all, wash it.
5. Give it a careful sniff test and if it fails at all, wash it.

My “transition pile” is on top of my dresser, which usually has a couple of pairs of jeans and a folded hooded sweatshirt there. I generally only draw from that if I’m just lounging around the house, and it’s usually destined for the laundry basket after that.

Have a separate basket for whites in your room and prep your clothes for washing when you take them off.

Rather than sorting laundry, which is just a silly task, I just have a multi-basket system. Ordinary colored clothes go in one basket and whites and lights go in another. That way, there’s never really any laundry sorting to do.

Furthermore, when something goes in the basket, it’s 100% ready to be washed. Pockets are checked and fully emptied when I take the item of clothing off. Shirts are completely unbuttoned. Zippers are zipped up so they don’t snag on anything. It is far more efficient to do it immediately and then just trust the laundry basket when it’s time to do laundry.

Apply stain remover as soon as you take a garment off.

I keep some laundry soap for stain remover close to my clothes baskets so that if I’m removing an article of clothing with a potential stain on it, I apply some of that soap directly to it immediately before tossing it in the dirty clothes. The soap will stay on the clothes for several days until the next load, and that seems to often get it perfectly clean.

That way, I don’t have to examine clothes for stains or anything like that when I’m washing. I literally head straight to the laundry room with a basket of dirty clothes.

Avoid garments that require special washing like the plague.

The reason I only need two baskets is that I avoid special garments like the plague. I have two suits that I rarely wear, and when I do wear them they get evaluated carefully afterward and go to a dry cleaner if needed. Nothing else of mine has any sort of special washing instructions, and if I’m considering a new garment, special washing instructions are an absolute deal-breaker.

I don’t have time for garments that can’t be easily washed, not in a world with such a wide variety of clothing out there.

Wash your clothes with optimal load size.

If I go much beyond that level, the clothes don’t get clean — I can tell by the faint smell of a really sweaty shirt. Below that level, the washer is wasting water and energy. Filling the basin 3/4 full of dirty clothes without pushing them down is just about perfect.

It’s worth noting that all washers will vary slightly here. Some can be filled right to the brim, while others seem to not wash even a medium load very well. Pay attention to your washer, but I find that a 3/4 full load without pushing clothes down is optimal.

Basically, I just walk into the laundry room, open the lid, and start tossing in clothes until it looks 3/4 full, then I add soap (as noted below) and I’m ready to go.

If I still have a few items in my dirty clothes basket, I’ll usually go into the kids’ rooms and grab some of their stuff to make up a second load, one that I’m sure is close to 3/4 load. Over time, I’ve become pretty good at eyeballing what a perfect load looks like in a laundry basket.

Wash your clothes with optimal settings.

For me, this means cold wash and cold rinse, every time. It gets my clothes clean and eliminates the use of hot water, which means that I’m not paying for the cost of heating up that water to wash my clothes.

I always choose the large load setting as that matches the number of clothes I put in the machine, as described above. Again, it’s all about optimizing energy and water efficiency to keep my energy and water bill low.

Use homemade laundry soap.

The last thing I add before closing the lid and starting the load is laundry soap. I have a small Rubbermaid container in our laundry room that contains an equal mix of washing soda, borax, soap flakes, and I have a tablespoon-sized measuring spoon in the container. I just pull off the lid, add a spoonful of the soap mix, toss the spoon back in and close it again.

If I notice I’m about to run out of soap mix, I take the container upstairs, grab a measuring cup, and add a single cup of borax, a single cup of washing soda, and a single cup of soap flakes to the container, then I shake it like crazy while walking back to the laundry room, where I pop the spoon back in there and close the lid. I’m good to go for another 50 loads.

This gets the cost of cleaning laundry down to about $0.04 per load. It’s even cheaper if I’m willing to grate a bar of cheap soap, but I found it’s not much more expensive to buy a bag of soap flakes at the store or at Amazon, so it’s not worth the time to grate it. Washing soda and borax are available at most grocery stores in my area. A box of each and a bag of flakes will last more than a year of doing a laundry load per day.

I keep a small amount of this in a little container near the laundry in my bedroom (actually in a dresser drawer, but another arrangement might be easier for you). If I have a stain, I’ll get the stain wet and then rub a bit of the powder into the stain for a few seconds.

If you absolutely don’t want to use homemade laundry soap, then I strongly encourage you to try whatever store brand laundry detergent is on sale at your preferred store. Store brand laundry soap or detergent does a really good job in my experience.

What about drying your clothes versus hanging them on a line?

I experimented with using a line to hang out clothes, but I found that the time invested in hanging up clothes and then taking them down (which often added up to 10 or 15 minutes) wasn’t worth the actual energy used in a dryer load (which added up to around $0.40 or $0.50), so I mostly tumble dry my clothes.

I will occasionally lay out garments if the environment is really dry, as it often is in winter around here, but it doesn’t help if the air is humid as the clothes dry extremely slowly.

Dry your clothes with optimal settings.

I use the “permanent press” setting on my dryer for almost all loads. It uses a mix of heat and air to dry the clothes, which means that you’re using less heat overall, plus it does a splendid job of minimizing wrinkles on most garments. I set the load size to “large” to match the washer load size.

The only time I don’t use the “perm press” setting is if there are a lot of towels and jeans and sweatshirts in the load — thick garments, in other words. I use a normal setting in that case, since those items are unlikely to wrinkle anyway and need more heat to dry efficiently.

Check and clean the lint trap every single time.

One important step before you start the dryer: always check and clean the lint trap. We have a small container in the laundry room just for the lint. Lint in the lint trap drastically reduces the efficiency of your dryer and, if it builds up, can become a fire hazard, so just get in the routine of spending five seconds clearing the lint trap each time you are about to start a dryer load.

Don’t use laundry softener unless softened clothes are really important to you.

My advice on laundry softener, whether in liquid form or sheets, is this: don’t use it by default without thinking about it. Try washing some loads without laundry softener and see if the items that come out are fine. For me, the “softening” effect doesn’t make much of a difference, and I actually detest it with towels and gym clothes as it seems to make them far less absorbent.

I mention this because I know I used to use fabric softener without really thinking about it, and I learned recently that several cousins do the same thing.

Try some loads without fabric softener and make absolutely sure it’s giving you value. If it’s not, cut it out — it’s extra time and money with little benefit for you.

Wool dryer balls help marginally, but aren’t worth the cost.

In my experience, wool dryer balls make clothes slightly softer and can shave a tiny amount off of drying time if you’re willing to notice a few minutes’ difference on the timer. I do use one in most loads, but I don’t think it makes an enormous difference and I don’t think they’re worth the cost. However, if you come into one for free, it doesn’t hurt to use one.

I don’t think it’s a replacement for fabric softener except as a “natural” alternative that doesn’t soften quite as well. I don’t think it’s a big energy saver, either. It just does both of those things a little.

Pull out your dryer at least once a year and check for lint in the exhaust.

Something that should be on your annual household maintenance list is to pull out your dryer and check the pipe that connects the dryer to the exhaust. It can easily begin to fill up with lint back there. What you’ll notice if you don’t do this is that your drying starts to get less and less efficient. A setting that used to easily dry a load of clothes no longer gets them completely dry and you often end up having to run clothes a second time through the dryer, which is really inexpensive. Given enough time, the built-up lint can become something of a fire hazard.

This takes about 15 minutes to do, most of which is spent (in my experience) getting the exhaust pipe properly reattached to the dryer.

Make sure your washer and dryer are level at least once a year.

Another important annual task for doing your laundry is to make sure your washer and dryer are both level. Both can become gradually unleveled over time due to slight shifts in the floor itself and (more importantly) the repeated rotational motions of the machines.

Most washers and dryers have adjustable feet that make it really easy to rebalance them. You just twist a particular foot in one direction or another to raise it, just ensuring that one foot isn’t out of balance with the others and causes the machine to wobble. Both of those machines should be completely wobble-free and register as levels with a bubble level. Here’s a great tutorial on leveling a washer, and the same procedure works for our dryer.

This takes about ten minutes, but it really helps with the efficiency of your washing and drying.

If you’re doing multiple loads of laundry in quick succession, save the folding for a bulk folding session all at once.

I often do laundry on Fridays and I usually end up with a little more than a load, which means that I hunt down enough to make two loads. I’ll sometimes also do a load of towels, so that makes three loads during the day on a Friday.

The most efficient way to do this is to simply make a pile of unfolded items and do all of the foldings at once when all of the loads are done. That’s so you can just make piles of different types of folded clothes as you’re folding and put them all away at once. You can do some folding in the middle, but there’s no reason to put away those folded piles until the end.

Practice and master efficient folding strategies.

This one’s a huge time saver. It is well worth your time to really master how to efficiently fold different types of clothes. Here’s how I do it.

For T-shirts, a Miracle Folder is really efficient, but I found that practicing and mastering the pinch fold is even faster. I can go through a pile of T-shirts in a minute, folding all of them, but it takes practice. The first hundred or so times you do this, it will feel awkward and slow, but it will just get faster and faster.

For jeans, I simply do a triple fold, folding the legs together, folding the paired legs in half, then fold in half again. I basically do the same for towels — half, then half, then half, then done.

For socks, I pair them up and simply pull the top of one sock over its partner.

For underwear, I fold them in half. Done.

I hang up all button shirts and have a bunch of hangers on-hand right there so I can hang them immediately. I make a pile of clothes to hang with the hangers all pointed the same way so I can hang them all up at once.

I really haven’t found anything more efficient than these methods. The key is to aim to do them quickly each time and really focus on what you’re doing so you get faster at them. If I fold laundry in front of the television, it will take me a long time; if I do it while standing at the bed or at a table, I can fold a load in a minute or two.

As I’m going along, ideally through several loads at once, I’m making piles all around me based on their destination. Basically, similar clothes go into each pile — one pile for each of my dresser drawers, another for the closet, another for the linen closet, another for the rag drawer, and one each for each child’s bedroom. That way, when the folding’s done, each pile goes directly to where it should be.

It’s a mix of common sense and efficient techniques.

With things like this, you’ll read it and find that most of it is common sense with a few good ideas sprinkled throughout, and that’s how it should be. The interesting thing is that the things people find to be common sense and the things people find to be good ideas are different. Some people will find one technique to be something obvious they’ve always done, while it’s a fresh new idea to someone else.

Anyway, that’s how I do laundry, and it’s optimized to the best of my ability to maximize speed and savings. Compared to my methods when we first moved into this house, I spend a fraction of actual time dealing with laundry and the cost has declined quite a lot, too, due to much better energy efficiency and water use.

Good luck!

The post Optimizing Laundry for Money and Time appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2PU1w8b

JEFF PRESTRIDGE: New Year resolutions I’m planning to keep

JEFF PRESTRIDGE: New Year resolutions I’m planning to keep

I enjoy this time of the year. A period to plan for the future and be positive. To think about summer holidays, maybe plan a few home improvements

Jeff Prestridge Tue, 12/24/2019 - 00:49
Image

I am already looking forward to resurrecting the cruise trip I was going on with mother before breast cancer got in the ugly way. Although Mum won’t admit it, she has made a remarkable recovery from her operation and is as feisty as she has ever been. A bit of early summer sun will do her the world of good. Valletta, Athens and Santorini, here we come. Deckchairs, calm seas and the occasional glass of bubbles.

I am also keen to up the ante on the running front. I met a remarkable man the other day who has lost a couple of stone by running every day. I hadn’t seen him for a while and was blown away by how lean and mean he has become. I am determined to follow in his footsteps. No more excuses for not going for a gentle jog in between work deadlines. I will get outside and clear my head. Work hard, play hard.

I will also take time out to think about money issues and ask myself: “Am I doing all the right personal finance things in my life or could I be improving my money strategy?” The respective answers I know already – no and yes.

On a positive note, I have just fixed the payment rate on my Santander home loan for the next two years – a step that buys me short-term payment certainty. I have also been making small, regular overpayments by popping into my local Santander branch whenever I am nearby. The odd £100 here, the occasional £150 there. By the time the end of 2021 arrives, I want to be in a position to be shot of the mortgage. It would feel as if a yoke had been removed from my neck.

I’ve also been adopting the same approach towards my Cash ISA. Although savings rates remain painfully unattractive, I still like the financial comfort that it brings. So whenever I’m near a Metro Bank branch, I think about depositing another £50 – or £100 if I feel flush (which is not often). Indeed, I’ve got to know the staff at one branch quite well. They know what I am going to do before I hand over my cash.

I see my Cash ISA as an emergency fund – a financial tank to draw water from if a tax bill needs to be paid, odd teeth need to be filled, or I tread on my spectacles and need a new pair.  It is flexible and money that I can access on demand. It is also the closest I will get in terms of creating my own mini tax haven – a fund that no Chancellor of the Exchequer can get their greedy hands on.

If I could just be a little more committed on the mortgage overpayment and Cash ISA topping up fronts – for example, never walking past Santander and Metro branches without going in – I would feel a lot happier financially.

The same goes for my Investment ISA. For a while, I haven’t been making regular monthly payments into it – for all kinds of reasons: political uncertainty, other financial priorities and the fact that every time I try to reinstate my direct debit payment with the platform provider I have my ISA with, it hasn’t kicked into action. Maybe I should have ironed out the problem earlier, but I will put my Investment ISA back on track.

Nothing too sexy, nothing too adventurous. Just regular monthly contributions into a spread of global investment trusts renowned for their ability to increase their dividend payments every year by investing in an international spread of companies.

For choice, I won’t look beyond the ‘dividend heroes’ list that the investment trust trade organisation – the Association of Investment Companies – publishes on its website (Theaic.co.uk). These are trusts that all have delivered at least 20 years of consecutive annual increases in dividend payments to investors.

There are other financial bits and pieces I am determined to tidy up in the weeks ahead. I have clung on to the supplier of my home electricity (British Gas) for far too long on the basis of convenience when logic tells me I should shop around for a cheaper provider. Loyalty never pays – an argument that also applies to motor and home insurance.

I will be reviewing all my direct debit payments to ensure I really need them. Last year’s direct debit audit resulted in the culling of a subscription for a gym that I rarely used. A monthly saving of £100. No doubt, there will be something I can cull this time around too. 

Jeff Prestridge is the personal finance editor of The Mail on Sunday. 

Syndicate to OneSite
Off
Queued for syndication
Off


Source Moneywise - 29 years of helping you with your finances https://ift.tt/35T70oZ

Thank you, Greta, for making preloved presents acceptable

Thank you, Greta, for making preloved presents acceptable

Forget the planet - probably the best thing Greta Thunberg has done for all of us is to make it acceptable to buy and, even give, secondhand

Jasmine Birtles Tue, 12/24/2019 - 00:20
Image

In fact, it is not just acceptable, with some people it is now actively righteous not to buy new. They can come home with vintage clothes, preloved furniture, nearly new books, gently used soft furnishings,  and slightly worn accessories, wearing an irritatingly smug face because they know they are doing their bit to save the planet.

Not for them the environment-destroying new goods bought from selfish commercialists on the high street. No. They are recycling, upcycling and generally cycling for the planet.

It is certainly music to my ears. I grew up with secondhand everything: bikes, clothes, piano, furniture, books and… well, I’ve lost count.  I was the living embodiment of Barbra Streisand’s song, Second Hand Rose, with its lyrics: “I’m wearing secondhand hats, secondhand clothes, That’s why they call me Second Hand Rose.

I can honestly say I never felt it was a problem. I still don’t. In fact, it now turns out that I have been at the forefront of fashion all this time. I have been an eco-warrior without even realising it. The secondhand lifestyle has crept into the cool side of living.

… Well, nearly. It is still only those in the know who are embracing the recycled lifestyle. I did a report for BBC’s Inside Out programme earlier in the year about how antiques are going for a song now. Millennials mostly missed out on history lessons so they will dump a Queen Anne chair or Louis XIV table for a Beatles T-shirt that is genuinely ‘old’ for that cohort.

It is even worse for more pedestrian furniture. With our smaller, lighter living spaces, your gran’s solid oak dining table and armoire are now deeply unpopular. If it’s brown, it’s down.

However, the cognoscenti know that this cheap as chips solid brown furniture (oak, teak and the like) can work well in modern flats if mixed and matched with newer stuff. And many of them are whipping out paint brushes to remodel the old stuff to use or sell. Upcycling, beloved of such notables as Anthea Turner (who paints baked bean tins) and Will.i.am (who produces upcycled jeans), has taken Etsy, Pinterest and, of course, eBay by storm.

I am sure anyone would be happy to give a genuine upcycled jean from the king of cool himself, but is it now OK to give someone a preloved product for Valentine’s Day, Christmas or their birthday? Has Greta gone that far? Is regifting to the one you love a safe bet? Could we say, hand on heart, that the sainted Anthea might get away with it?

Well, I’ve certainly had at least one secondhand present in recent memory – a wonderful CD of Pergolesi’s Stabat Mater from a neighbour who, I knew, was utterly on her uppers. It was a thoughtful present and I still play it. But would I have been as happy if said thoughtful gift had been from my wealthy college friend who has just sold his hedge fund? Even if it had a note telling me, “hey with this gift we’re saving the planet”? Possibly not quite so much, thank you.

Mazuma Mobile, which reconditions old phones and sells them in spanking new boxes, says that almost a quarter of us have previously bought a secondhand gift for Christmas. They say that 44% believe they have been given a secondhand gift and that a third of those were fine with it. Maybe this really is the future.

But would your loved one be content with a reconditioned anything as a present? Would they mind a secondhand book for their birthday (not counting a  first edition Harry Potter)? Or would you just look like the sort of person who, if he’d been at the Last Supper, would have asked to split the bill?

Hmm, it has to depend on who’s gifting whom.

One thing I have noticed is that sort of ‘helping the planet’ doesn’t always last long. Do you remember the trend for ‘giving a goat for Christmas’ through Oxfam a few years ago, with the look of barely disguised disappointment on the faces of recipients trying to be virtuously happy that a poor family was getting a goat instead of them receiving fluffy slippers?  Funny, you don’t hear about anyone doing it now.  

Jasmine Birtles is a financial journalist and founder of MoneyMagpie.com.

Syndicate to OneSite
Off
Queued for syndication
Off


Source Moneywise - 29 years of helping you with your finances https://ift.tt/34OUd5L

Your rights when parcels go missing

Your rights when parcels go missing Stephen Little Tue, 12/24/2019 - 00:06
First published on 8 July 2013


Source Moneywise - 29 years of helping you with your finances https://ift.tt/2sX6UOQ