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الخميس، 2 يونيو 2016

How to Get a FREE Samsung Galaxy Phone Just for Opening a Checking Account

Has your phone seen better days? Mine sure has.

The only thing: I don’t want to drop the cash to buy a new one.

So I was stoked to discover a way to get a brand new Samsung Galaxy S5 or S6 phone for FREE.

All you have to do is sign up for a checking account with TD Bank.

Here are the deets…

How to Get a Free Samsung Galaxy Phone

Want to update your phone — simply for updating your bank account?

Follow the instructions below.

But just so no one gets disappointed, let’s get this out of the way first: This promotion is only available in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and Washington, D.C.

You also must be willing to sign a two-year subscriber agreement with either Sprint or Verizon.

All good?

Here’s how to get your free phone:

  1. Visit TD Convenience Checking® and click the orange button that says “Open account.”
  1. Fill out your contact information, and fund your account with at least a $100 deposit.

That’s it!

In one to two weeks, you’ll receive your brand-new Galaxy S5 or S6 in the mail.

And don’t worry about monthly fees: As long as you maintain an average daily balance of $100, TD Bank will waive them for you.

The offer is only valid while supplies last, and must be redeemed within 60 days of submitting your application.

But who’s going to wait that long when a free phone is on the line?

Your Turn: Are you going to take advantage of this promotion?

Disclosure: We appreciate you letting us include affiliate links in this post. It helps keep the beer fridge stocked in the Penny Hoarder break room.

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Investors continue to flee equity funds ahead of EU referendum

Retail investors withdrew £635 million from equity funds in April, according to the latest industry figures from the Investment Association (IA).

Retail investors withdrew £635 million from equity funds in April, according to the latest industry figures from the Investment Association (IA).

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New retirees can't afford to leave inheritances

Under a third of new retirees say they will be able to leave their loved ones an inheritance when they die.

Under a third of new retirees say they will be able to leave their loved ones an inheritance when they die.

Just 28% of people retiring this year believe they will have the money to spare, according to new research from Prudential.

This is the lowest level in six years the insurance company says, and compares to a high of 52% in 2011.

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When Does it Make Sense to Refinance Your Student Loans?

With interest rates hovering near all-time lows, we see commercials and ads for home refinancing all the time. By choosing a new loan with a lower interest rate and better terms, the experts say, you can lock in a lower monthly mortgage payment, extend or reduce your loan’s term, and pay less in total interest.

While it isn’t advertised to the same degree, you can usually score a similar deal with your student loans. Through any number of highly reputable banks or lenders, you can consolidate existing student loan debt into a new loan with a more manageable payment, shorten your loan’s term, and save money all along.

As with anything else, there are advantages and disadvantages for doing so. Beyond the investment of your time, there are myriad financial implications to consider – along with some important benefits you lose if you refinance federal loans with a private lender.

While some borrowers are better off moving into a new loan product, others should stick with the loans they already have. At the end of the day, the benefits of refinancing depend on a student’s existing loans and what their ideal student loan payment looks like.

How to Decide Whether to Refinance Your Student Loans

First things first: Before you decide whether refinancing makes sense, you have to decide on a goal.

Where some people hope to save money on long-term interest, others hope to score a lower monthly payment that they can actually afford – even if that means extending their loan term over several more years. Still others hope to accomplish a little of both – refinancing into a loan with a lower interest rate and payment, but still have their loans paid off in a reasonable amount of time.

According to Nate Matherson from LendEDU, a marketplace for student loan refinancing and consolidation, the best candidates for refinancing are individuals who are paying a lot of money towards interest each month – and private student loan borrowers usually stand to save the most money.

“Some private loan borrowers are paying upwards of 10% in interest per year,” Matherson says. With certain types of refinancing, you can lower your annual interest rate to as low as 2%, especially if your credit has improved since you first took out the loans.

By securing a loan with a lower interest rate, he says, you can save money on interest every month and every year, plus potentially pay down your loans faster.

If your current monthly payment is unmanageable, refinancing over a longer term can also free up some breathing room in your monthly budget. “When you refinance, you can choose a new term length from five to 25 years,” says Matherson. “You can extend the repayment of your student loans and cut your monthly payment down.”

The risk here is extending your repayment so long that you’re actually pay more in interest, despite the lower interest rate. Still, some people choose this route because they’d rather have a payment they can live with for a longer time than struggle every month and risk defaulting on the loan.

One last reason it can make sense to refinance is if you need to simplify your life and your financesIf you’re making several student loan payments every month and have trouble keeping track of them all, refinancing and consolidating allows you to funnel all of your existing loans into one new loan with a new rate and payment.

While you may not save a lot of money if you don’t get a significantly lower interest rate, you can win the mental battle by reducing the number of payments you’re making down to one. For some people, having a single student loan payment to contend with makes it a lot easier to plan, create a budget, and ultimately pay off their student loan debt faster.

Refinancing Your Loans: Risks You Should Know About

While the financial rewards can be ample when you refinance high interest or unmanageable loans into a new product, there are risks to consider as well. Most of these risks come into play when you refinance federal loans with a private lender.

Doing so means saying goodbye to all of the Department of Education benefits offered on federal loans, says Matherson. These benefits include all income-driven repayment plans and public service loan forgiveness, plus stopgap measures such as deferment and forbearance.

“If you are currently using, or plan to use, any of your federal student loan benefits you should think long and hard before refinancing,” says Matherson. Because once you refinance, these options will no longer be on the table.

The other big risk that comes with refinancing is one we already talked about – extending your repayment timeline so much that you actually pay a lot more interest on your student loans over time. Before you refinance your loans to get a new monthly payment, make sure to look at the total amount you’ll pay over time and compare it to your total loan costs now. If it’s considerably more, you might want to rethink refinancing and consider alternative strategies to lower your monthly payment instead.

Got Federal Loans? Consider Income-Based Repayment Plans Instead

Speaking of alternative repayment strategies, income-based plans created by the federal government offer relief for students with low incomes but plenty of federal student loan debt. Income-driven repayment plans to consider include:

  • Income-Based Repayment Plan (IBR)
  • Revised Pay As You Earn Plan (REPAYE)
  • Pay As You Earn Plan (PAYE)
  • Income-Contingent Repayment Plan (ICR)

Since these repayment plans are based on your income and only available to individuals with eligible federal student loans, not everyone will qualify. Those who do, however, can get a lower monthly payment – one capped at a certain percentage of their discretionary income – for a period of 20-25 years. After that, the entire balance of their loans is forgiven – as in, wiped away to a clean slate.

Another option to consider is Public Service Loan Forgiveness, or PSLF. With PSLF, you can have all of your loans forgiven if you commit to a career in a qualified public service position and make 120 consecutive payments (10 years’ worth) on your student loans. While public service isn’t right for everyone, it can be a natural fit for people who work in health care, education, the legal justice system, social work, or dozens of other fields geared to helping others.

The Bottom Line

Just as you can refinance your home, you can refinance your student debt into a new loan with better terms. The key to deciding whether refinancing makes sense for you is to take a close look at your current roster of loans and compare that to the new loans currently available. Our Student Loan Consolidation Guide can help in that respect, and also direct you toward additional resources that can help you decide.

Before you refinance your student loans, make sure you’re truly getting a better deal. To come out ahead, your new loan will need to offer a monthly payment you can actually live with, provide some interest savings over the long term, or simply make your life easier.

Also remember that the grass isn’t always greener. While the right loan can offer some relief, the wrong loan can add to your struggle. Run the numbers and consider them closely, because numbers don’t lie. Any decision you make should be backed up by facts, not just wishful thinking.

Have you ever considered refinancing your student loans? How much do you owe, and when will it be paid off?

Related Articles:

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7 Proven Strategies for Handling Your Schedule as a Working Parent

Like any working mom, I feel awkward leaving the office in time to pick up my son from day care before it closes at 6 p.m.

For many of us, it’s the “5 p.m. walk of shame.”

We shut down our computers as quietly as possible and try to sneak past the rows of more diligent workers still tapping away on their keyboards.

Sure, I arrive earlier than most of my co-workers, but they aren’t in the office yet to see those early hours, which is why I feel so self-conscious at the end of the day.

But the fact is, if us moms (and dads) are going to work to support our families — while avoiding getting kicked out of day care for late pickups — we have to leave earlier than our co-workers who don’t have the same constraints.

However, there are a few secrets to mastering the art of this scheduling jiu-jitsu.

As I interviewed dozens of successful working moms for my new book, “Smart Mom, Rich Mom: How to Build Wealth While Raising a Family,” I realized they shared several habits that help to ease the stress of feeling like you need to be in two places at once.

In fact, almost every professional woman I reached out to explained her schedule allowed at least some degree of flexibility to take sick children to a pediatrician or to occasionally attend school functions. (Women working low-wage jobs tell a very different story, and those challenges deserve their own book.)

Here are some of the strategies that emerged from our conversations:

1. Negotiate Flexibility Into Your Job Offer

Ask for the flexibility you need when you’re negotiating a job offer.

While bringing up your desire for flexible hours during the job interview could hurt your chances of getting an offer, the power shifts back to you after you receive a formal offer.

Along with negotiating your salary, asking for the flexibility you need — including working from home or leaving early — is a key part of those discussions.

Practice your wording just as you do your salary requests: “I’m really excited about this job, but I need to make sure I can pick up my son on time from day care, so can I shift my hours earlier each day and leave by 5 p.m.?”

This phrasing is how I worked out the schedule that works for me, so I can pick up my kids on time.

2. Perfect the Art of Sending Simple Notes About Your Whereabouts

When you’re a parent, barely a week goes by without some unexpected (or expected) mid-day commitment popping up. Perhaps it’s a pediatrician appointment, or maybe a school event.

Instead of delving into the details of your child’s illness or sending out videos of the school play, just send a short email giving the office a heads up you won’t be available for a brief period.

3. Stagger Hours (and Responsibilities) with Your Partner

If you have a partner, then perhaps they can handle school drop-offs while you do pick-ups, or vice versa.

Similarly, you can take turns visiting the pediatric dentist every six months.

4. Refuse to Feel Guilty

You might be walking out of the office at 5 p.m., but you still put in a full day of work.

Guilt can interfere with productivity, so make a conscious effort to refuse to feel it — at home or work.

Every time I feel guilt creep in, I just remind myself I worked really hard and there are plenty of times I work even more at home in the evening.

A quick internal pep talk helps me let go of any lingering guilt.

5. Get Paid What You Deserve

Even if you leave early and take advantage of other flexibilities, you still deserve to get paid well for what you do.

Don’t let your working mom status trick you into thinking you don’t deserve raises and promotions.

Every time one of my mom friends tells me she doesn’t want to ask for a raise because she doesn’t think she deserves it, I want to take her by the shoulders and say, “Yes, you do! Think of all the child-free workers distracted by their dating lives or other drama — you are working so hard and no one should be penalized just for being a mom!”

6. Enlist Help

Whether it’s in the form of grandparents, paid caregivers, housecleaners, grocery delivery or other services, help is available if you know how to ask for it.

Paying for time-saving services can help you focus on the more important tasks at hand, like spending time with your children.

7. Share Strategies with Friends in Similar Positions

Every time I have to leave early again because pinkeye hits our family, I text my best friend Alison, who’s usually having a similar working mom crisis of her own.

Sharing our struggles helps ease stress and find the humor even in the most challenging days. It’s easier to “lean in” when you know you’re not alone.

I’m willing to bet even when we leave early, we’re just as productive as the co-workers still in the office.

After all, who knows how they’re spending their time. As one mom pointed out to me, they could be shopping on Zappos or watching YouTube videos.

Just because we’re not still at our desks doesn’t mean we’re slacking.

And as long as we’ve pre-negotiated our family-friendly schedule with our bosses, there’s no need to feel guilty for sticking to it.

Your Turn: Do you feel guilty leaving work early to take care of your kids? Will you try these strategies?

Disclosure: A toast to savings! Thanks for allowing us to place affiliate links in this post.

Kimberly Palmer’s new book, “Smart Mom, Rich Mom: How to Build Wealth While Raising a Family,” is now available. She is a money editor in the Washington, D.C., area, where she lives with her family, including two young children.

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How to Earn What You’re Worth as a Writer

By Kimi Clark People everywhere are wanting to find ways to work at home, and writing has become an attractive option— and for good reason! Along with freelance writing for blogs and websites, there is also writing for magazines, newspapers (yes, we still have those!), and a huge array of writing services for businesses both […]

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الأربعاء، 1 يونيو 2016

100 People in Oakland Are About to Get Free Money Just to Live

What would you do if you didn’t have to spend your working hours earning money to pay for basic needs?

That’s the question that’s been weighing on the minds of governments, private organizations and researchers around the world lately. And it’s finally made its way to our own backyard.

Starting this summer, an experiment will grant 100 Oakland, California, residents $1,000-$2,000 per month for six to 12 months.

The money truly comes with no strings attached — it’s free and unconditional.

It’s part of a basic income experiment spearheaded and funded by Silicon Valley business incubator Y Combinator.

Why People Are Getting Free Money

The experiment is a short-term pilot to prepare the team, which health and education expert Elizabeth Rhodes, Ph.D., will lead, for a larger long-term study, Y Combinator reported on its blog yesterday.

This and similar studies aim to answer some huge questions about the way money and work affect our lives:

  • How does a basic, unconditional income affect people’s happiness, well-being and financial health?
  • How will people spend their time when they don’t have to work to survive?

Researchers are conducting or planning similar experiments in:

  • Germany, where nonprofit organization Mein Grundeinkommen crowdfunds and raffles off year-long basic incomes of 1,000 € ($1,115) per month, apparently regardless of residency.
  • Kenya, where charitable organization Give Directly is putting together funding and a plan for a basic income experiment in conjunction with its existing operations in East Africa.
  • New Zealand, which is starting a conversation about a universal basic income in response to the changing — and increasingly unstable — way people work.

As the original Canadian experiment shows, the idea of a basic income isn’t brand-new.

“In the last five years we’ve taken on a new respectability,” Guy Standing, a British economist who co-founded the Basic Income Earth Network in 1986, told Five Thirty Eight. “But in the last two years it has become an avalanche.”

Unemployment and wages are constantly up for debate.

The stability of Social Security is increasingly uncertain.

And robots are taking over jobs everywhere from manufacturing to Pizza Hut.

These economic realities are making basic income look like less of a utopian dream and more like a practical way to pre-empt a looming strain on our national budget.

The Pros and Cons of Basic Income

Aside from a handful of cities that will pay you to live in them, no one has given money away so unconditionally.

Proponents and opponents, of course, have theories, but we don’t actually know how people will react to free money.

“I wouldn’t say it’s our responsibility [to find out if basic income works], and there’s no way we could figure it out alone,” Matt Krisiloff, who is heading Y Combinator’s basic income project, told Motherboard.

Rhodes echoed the sentiment: “We’re not sure this is the best solution, but we want to study this because it hasn’t been studied.”

Most notable, probably, is the assumption that people will simply stop working if we give them money for nothing.

“A universal basic income has many undesirable features, starting with its non-negligible disincentive to work,” argued economist Eduardo Porter in a recent New York Times piece against the idea.

The people who support the research, however, consider the possibility that people might be more productive and creative when they’re not chained to work because of money.

In its Request for Research earlier this year, Y Combinator wondered, “Do people, without the fear of not being able to eat, accomplish far more and benefit society far more? And do recipients, on the whole, create more economic value than they receive?”

We’re excited to follow these projects and learn the answers to these questions!

How Can You Get Involved?

Researchers are still hammering out the details of the Oakland experiment, but say they are already talking with Oakland officials. They’ll choose participants randomly, and how you might wind up in that pool is unclear.

They chose Oakland because of its proximity to Y Combinator headquarters and also for its “great social and economic diversity.”

The city “has both concentrated wealth and considerable inequality,” the incubator pointed out.

The experiment will cross economic and social lines. Income and employment status won’t affect eligibility.

As they design the pilot, researchers welcome input, which you can send to basicincome@ycr.org. They particularly want to hear from Oakland residents and plan to host public events in the city.

For now, if you want to be involved, our best recommendation is to stay informed.

Lack of public interest can kill exciting projects like this as quickly as they start. Whether you want to see basic income proven to be our salvation or just exorbitant spending, these experiments are important.

Follow the developments by Y Combinator and others as they move forward to learn the results over the coming years.

Your Turn: What would you do with unconditional basic income?

Dana Sitar (@danasitar) is a staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).

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Jobless rates rise in Monroe and Pike

Monroe and Pike county’s jobless rates rose in April, according to a report issued by the Pennsylvania Department of Labor and Industry’s Center for Workforce Information and Analysis.Monroe’s seasonally adjusted unemployment rate rose three-tenths of a percent to 6.3 percent in April. The state rate increased by four-tenths of a percentage point to 5.3 percent, while the national rate remained at 5 percent.Pike’s jobless rate rose five tenths of a [...]

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These Companies are Opening Adult Dorms — But are They Worth It?

My college dorm memories aren’t exactly pleasant.

One girl talked to her boyfriend on the phone in the hallway every single night. There were showers covered in hair and three girls squeezed into a room meant for two.

However, there was a certain camaraderie in the air.

Not enough to make me stay more than a year, but it was there.

And some companies are hoping to recreate that feeling — and capitalize on millennials’ apparent need for social interaction in a digital age — by opening up dorms for grown-ups.

How Much You’ll Pay for Communal Living

Here’s the idea: Millennials are lonely and lacking in face-to-face interactions.

They’re crippled by student loans, with little money for down payments. And they often hop jobs or work remotely, leaving little desire for the commitment of a mortgage.

So, what do certain entrepreneurs think they need? Dorms, obvi.

Here are three adult dorms making waves:

1. Commonspace

Located in downtown Syracuse, New York, Commonspace has 21 fully furnished, 300-square-foot studio units, each with a kitchenette and bathroom.

“Our goal is to take the best parts of dorm living — community, involvement, social interaction — and apply them to downtown apartment living,” Commonspace’s website says.  

Rent ranges from $800 to $975 per month, based on the style of your unit and length of your lease.

Considering the median rent in Syracuse is $1,350 and Commonspace has a central location, rooftop deck, shared bikes and community manager, this one seems like a pretty clear win.

It’s “currently exploring” other mid-sized cities, and says to let it know if yours would be a good fit.

2. WeLive

With apartments in Manhattan’s Financial District (FiDi) and Arlington, Virginia, WeLive calls itself “a new way of living built upon community, flexibility and a fundamental belief that we are only as good as the people we surround ourselves with.”

It offers furnished units with month-to-month leases — as well as a community concierge and “all the coffee, tea and beer you can drink.”

Private bedrooms start at $1,700 per person per month in New York, and $2,745 for private studios. In Virginia, rent starts at $1,200 and $1,950, respectively.

That might sound crazy expensive, but consider the median rent in those locations, and it’s not totally out of line: $3,795 in FiDi (though that includes all sizes of apartments) and $1,150 for a one-bedroom in Arlington.  

3. PodShare

A cross between a hostel and a co-working space, PodShare has three Los Angeles locations that cost $40-$50 for a 24-hour membership. Longer stays cost $250 per week.

In these open, hostel-style rooms, you’ll have your own “pod,” which can be used as a bed at night and desk during the day.

“PodShare makes life more affordable because there is no security deposit or cost of furnishings and we provide flexible living,” co-founder Elvina Beck told VICE.

“Pod life is the future for singles which [sic] are not looking to settle down, but focus on their startups and experience something new.”

Pod life, huh?

Call me old-fashioned, but I’ll pass on living in a room with dozens of people for now. What if there’s a snorer?!

As for the other dorms, I think they sound kind of interesting. How about you?

Your Turn: Would you ever consider living in one of these dorms?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

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Yes, You Need One: The Ultimate Guide to Starting an Emergency Fund

Remember your first paycheck?

After spending all those hours foaming milk for lattes or ringing up disaffected customers’ overpriced T-shirts, it probably felt incredible to see those little black numbers. They represented your work paying off in real, live money.

And if you were anything like me, you couldn’t wait to cash that check… and blow your hard-earned green on something dumb.

Yes, You Need an Emergency Fund

Unlike most of our 16-year-old, first-job selves, adults are usually saddled with responsibilities like rent, groceries, cable bills and other fun expenses that make frittering away an entire paycheck pretty much impossible.

But the money you have left over after all the bills are paid? Yeah, you can still spend it all on new shoes and video games if you choose.

However, prudent Penny Hoarders know the importance of preparing for a rainy day. And it means setting aside some cash to keep on hand — just in case.

Which involves having money and not spending it.

I know, it’s hard. It’s really hard.

But it’s really important, too. Without an emergency fund, you have no backup plan if you run into an unexpected car repair bill, lose your job or worse.

And should you find yourself in such an unfortunate circumstance, chances are you’d whip out the plastic — and end up paying interest.

Talk about going from bad to worse.

So we’re here to make this process as painless as possible. Without further ado, here’s our ultimate guide to starting your very own emergency fund.

Where’s the Money?

First things first, figure out where your money is.

If you don’t have a budget, you don’t have total control of your money.

To save for an emergency fund — or anything else — you need to know how much money you have at your disposal to save.

We’ve got tons of resources if you’re a budgeting newbie — check out this post on how to make  an effective budget in seven simple steps, or this one on how to set financial goals (hint: Building an emergency fund is a great one!).

How Big Should Your Emergency Fund Be?

Another great reason it’s so important to make a budget: You’ll learn your monthly cost of living, which is how you’ll determine exactly how much you need to sock away.

Many experts suggest building an emergency fund of six months’ worth of living expenses including all the essentials: rent, groceries, gas and bills. That way, you’ll be covered if disaster strikes, and you won’t have to worry about figuring out how to get your next meal.

To keep your total emergency savings goal as low as possible, you can leave out any regular, but discretionary, extras, like your monthly bar tab or Netflix bill. You’re already looking at a pretty formidable challenge, and you probably won’t be too worried about binging House of Cards in a real emergency.

Psst — why aren’t you getting Neflix for free already, anyway?

But considering the average American has trouble saving up even $400, your total monthly cost of living times six might still seem like a completely insurmountable number — even with all the fun stuff snipped off.

For example, in my case, six months’ of expenses comes out to about $10,000 — and I live fairly cheaply.

But don’t make a big number into an excuse to just not even try in the first place: Any cushion, even if it’s just $1,000, is better than no cushion at all. 

Make an initial goal based on your own expenses — maybe one month of living expenses or another achievable (but substantial) amount.

You can also play with this calculator, which helps you determine how much to save and factors in how difficult it would be for you to find another job in your field.

Where to Keep Your Emergency Fund

Now that you know how substantial a chunk of change you’re talking about, it’s time to figure out where and how you’ll store it.

This is tricky, because you need your emergency fund to be immediately available in case you need it.

That’s what makes it so hard to save up: When you know the cash is right there for the taking, it’s easy for it to burn a hole in your pocket.

I can’t imagine having $10,000 just floating in my savings account. It’d be darn near impossible not to spend it all on airplane tickets.

Even if you’re resistant to temptation, it’s regrettable you’re unable to put that substantial chunk of change into a long-term account. If you could, that money would multiply with the magic of compound interest… but unfortunately, most high-return accounts require you to make your money inaccessible for a set period of time.

Open a savings account you won’t regularly check, and use that to store your emergency fund.

Maybe you could even take advantage of an account bonus at a different bank than you usually use. That way, your emergency fund will still earn interest — but it won’t be in your face every time you check your regular checking account.

Although most regular saving accounts have a very small rate of return, they’re still a better option than stashing your whole emergency fund under the mattress. Some interest is better than none!

Besides, eventually you’ll have enough saved up that having that amount in cash will become unwieldy. Right?

Save Dat Money

Here comes the tricky part.

Just having a nebulous goal to build an emergency fund probably won’t work. It’s too easy to “forget” about, especially when you’re eyeing a sweet new pair of boots or considering a Sunday brunch at that chic new bistro.

Once you have an emergency fund goal in mind, figure out how much of each paycheck you’ll need to set aside to reach it in three months, six months, a year.

Then direct that amount to your emergency account — either by direct-depositing it directly from your paycheck, or via automatic transfer from your checking account after each payday.

Even small contributions can really add up: If you can set aside just $25 per week, you’ll have $600 in six months.

That said, you probably want to be more aggressive about this particular goal. Disasters always happen when you least expect them. By cutting back now, you’ll allow yourself more freedom and peace of mind in the future.

You’ll probably have to make some budget cuts. After all, there’s a reason you don’t have an emergency fund yet.

Easy places to start? Cable, clothes and alcohol.

Commit to your plan and track your progress to keep yourself accountable. Make a spreadsheet or use a digital app like Mint to watch your emergency fund grow. Seeing the number get bigger will make it totally worth skipping your daily Dunkin Donuts run.

Trick Yourself Into Saving

If you know the disciplined strategy won’t work for you — or just to supplement your awesome savings skills — do what you can to find easy, painless ways to sock away money you won’t miss.

For example, TPH writer Susan Shain was able to finally start an emergency fund by using Digit, an automated savings app that rounds up your spare change and deposits it into a savings account. She discovered those pennies really do add up… and you don’t even miss them!

However, you won’t earn any interest at all on money you save with Digit — those returns are actually how the app makers get paid — so consider whether you’d rather have interest or convenience.

Another great trick to try? Sock away extra cash into a wine bottle. Since you have to break the bottle to get it out, it’s pretty hard to decide to spend it on a new jacket.

This method worked really well for me recently: Since I don’t carry cash, I stuffed every bill I came across down the throat of an empty bottle of grenache. At the end of six months, I had almost $500!

I used that cash to fund, almost in its entirety, a four-day vacation… but it would have been a great bolster for my emergency fund.

Hey, no one’s perfect.

Finally, and Most Importantly: DON’T TOUCH IT

Now that your emergency fund is in place, don’t make yourself go through the whole hullabaloo again by blowing it.

I promise you, you’ll thank me later.

Congratulations! You just took a gigantic step toward getting financially fit.

Having an emergency fund can save your behind if you lose your job or get too sick to work — and it can also free you up to change your career, start your freelance business or pick up and move.

Nothing’s better than finding financial freedom and getting out of the paycheck-to-paycheck rut… not even cable.

Your Turn: Have you started your emergency fund? What strategies worked for you?

Jamie Cattanach (@jamiecattanach) is a staff writer at The Penny Hoarder. Her creative writing has been featured in DMQ Review, Sweet: A Literary Confection and elsewhere.

The post Yes, You Need One: The Ultimate Guide to Starting an Emergency Fund appeared first on The Penny Hoarder.



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CT Capital fined £2.3m for shoddy PPI complaints handling

CT Capital Ltd has today been fined £2,360,900 by the regulator for “serious failings” in relation to its payment protection insurance (PPI) complaints handling processes.

CT Capital Ltd has today been fined £2,360,900 by the regulator for “serious failings” in relation to its payment protection insurance (PPI) complaints handling processes.

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Suck Your Readers In: 4 Types of Openings for “Sticky” Content

The headline is the most important part of your content.

That’s a fact.

What’s the second most important part?

That would be your introduction.

Think of it this way: Your headline compels people to click on your post, but your intro draws them in to actually read the post.

And if you’re sick of not getting a high level of engagement on your posts, this is likely one of the main causes.

Here’s the simplest way to illustrate the effect of introductions on your content’s performance:

  • Bad headline – Low traffic
  • Good headline, bad intro – High traffic, high bounce rate, low time on page
  • Good headline, good intro – High traffic, low bounce rate, high time on page

Always aim for that third scenario.

The sad fact is that most bloggers put very little effort into their introductions. They either quickly say what they’re writing about, or they end up going on about things that don’t entice the reader to read on.

It doesn’t matter whether or not you fall into that category. What matters is that just about all bloggers could benefit from improving their introductions.

To help you do that, I’m going to show you 4 of the best types of openings that you can use in your content. You can always use at least one of these for any post you create. 

1. Embrace the fear of failure

A great introduction needs to connect with the reader emotionally.

As any copywriter knows, emotions drive action. In this case, the action we want is for the reader to continue down the page.

Fear is one of the strongest motivating emotions, and people are willing to go to great lengths to prevent that fear from coming true.

Let’s look at a few examples, and then I’ll show you how to come up with your own.

Example #1 – Use a common fear: Here’s one of my own introductions:

image06

The first 4 paragraphs focus on a common scenario: putting in a lot of work on a project (like a product or piece of content) and then finally releasing it.

If you’re an entrepreneur, you know how terrifying this can be. Entrepreneurs have sleepless nights worrying about failing.

What if they hear “crickets” when they release their project? What if no one cares?

Anyone in, or nearing, this sort of situation is going to read the rest of the introduction at the very least.

Quickly look at that final line in the screenshot: “there is a solution…”

You use fear to grab your readers’ attention, but then you need to transition that into a solution that they will achieve by taking action.

Example #2 – Does your reader feel like a failure? This one is going to sound kind of mean, but it’s effective.

If your reader already feels like a failure, all you need to do is describe their biggest problem, evoking their fear of failure.

Here’s an example from a Smart Blogger post:

image03

Here, Carol Tice starts by calling out bloggers with low traffic and loyal subscribers.

If you’re a reader of that post in that situation, it hurts to read it.

You start thinking about your low number of readers and get a sinking feeling that you will never get many more.

But you feel that only until Tice offers a solution, which is the whole point of her post.

How to write your own fear-inspired introduction: This type of opening is not only effective but also fairly simple to write.

Create it in three steps:

  1. State the fear of failure (or cause of fear) – Do this in a straightforward manner. In my example, the fear was not knowing what would happen when a product was launched.
  2. Illustrate the fear – If you can describe the fear and make the reader picture it, do it. Sometimes it’s simple. The image of “crickets” is all I needed to do to make readers picture no customers, signups, or attention after the release of their product.
  3. Transition to a solution – The whole point of hooking in a reader with fear is to give them the incentive to read your content. Your content needs to offer a solution to their fear. Write about how your content will help them.

That’s all there is to it. You can start with a few notes for each part and then combine them together.

2. No one wants to be left behind

There are many ways to incorporate fear into your openings.

Fear of failure is a big one, but there’s another big fear you should be aware of: the fear of missing out.

It’s why many people buy lottery tickets, especially as a group. They don’t want to be the one who misses out if the group miraculously wins.

When it comes to most content, the fear of missing out can be applied in a few ways:

  • Fear of being left behind – In niches like SEO, if you don’t keep up with the latest information, you can become obsolete.
  • Fear of missing out on fun – No one wants to miss out on a fun event or product.
  • Fear of missing out on an opportunity – If something is only available or useful for a limited time (like content on certain topics), people will be more interested than they would be if it was always useful.

Here’s an example (note the two parts boxed in red):

image05

Just like in type #1, we use a similar 3-step process.

The first step is prompting the fear, which the first box begins to do. It mentions that some types of content are better than others.

In this case, marketers don’t want to miss out on the best tactics because it means they won’t get great results.

In the following two paragraphs, I amplify that fear. I explain that the content that most marketers produce isn’t as great as they think it is and that they might be closer to an average marketer.

The second box alludes to the solution—certain types of content that are guaranteed to outperform what average marketers are making. I go on to expand on my solution before starting the post.

Again, it’s the same 3-step process:

  1. State the fear (or cause of fear)
  2. Illustrate the fear
  3. Transition to your solution

3. Use AIDA to captivate visitors

You may have heard of AIDA before.

It’s one of the most famous copywriting formulas there is because it just plain works. It’s incredibly versatile, and we can apply it to our openings as well.

First, what does AIDA stand for?

  • Attention
  • Interest
  • Desire
  • Action

Typically, you’ll address each point in that order.

To start off, you need to grab the attention of your readers. How do you do that? Typically with a bold or surprising claim.

For example, in a post on Backlinko, Brian Dean said that he analyzed over 1 million search results. That’s a lot and pretty intriguing to most SEOs reading the post.

image00

If you can use numbers—great, but they’re not required. The only goal here is to catch the attention of your reader. It may be a sentence or two that seem unrelated at first to your topic.

Check out this intro from one of Jon Morrow’s best posts:

image01

The post is about being a better blogger, but you wouldn’t know it from that opening.

However, he grabs your attention by doing something out of the ordinary: telling you (in great detail) that he’s going to tell you something you’re not going to like.

Even though I know what’s coming (since I’ve read it before), I still have that feeling of needing to know what comes next.

Then, we move on to interest.

Interest is similar to attention, and you certainly need to maintain attention, but this is where you tie your attention-grabbing introduction to the subject of the post.

In Brian’s article about SEO ranking factors, he included two parts to accomplish this:

Which factors correlate with first page search engine rankings?

And…

With the help of Eric Van Buskirk and our data partners, we uncovered some interesting findings.

Brian knows that his readers want to know which ranking factors are most important. However, he doesn’t give away all the answers quite yet, saying instead they uncovered some “interesting findings.”

Next, it’s time to move on to desire.

This is where you make it really clear why your reader should care about your content, if they didn’t already know that.

Here’s an example from one of my posts:

image04

Here, I make it clear that if a reader follows my advice in the post, they could double their writing speed.

Remember that your reader is already interested at this point. To induce desire, all you need to do is make the benefits of your content clear.

Now, what about actionthe last part of the formula?

You can interpret and use it in two ways.

First, you could get a reader to take an action right at the end of your introduction. Maybe you want them to get a pen and paper or open a spreadsheet. Or maybe you want them to answer a question and come back to it at the end.

If this applies, go for it.

The action in this formula typically refers to the end of the content, though. So, in your conclusion, you should make it clear how a reader is supposed to apply what you just taught them.

4. Show me the money (benefit first)

Some readers just absolutely hate stories of any kind.

They want you to get to the point and do it fast.

If your audience has a lot of readers like that, consider starting off with the benefit of your content. But not just any benefit—the biggest one.

This is how you will attract attention, and if the benefit you promise is big enough, they will invest their time to read through your content.

For example, you could start an article about SEO basics by saying:

If you learn the basics of SEO, you could be making $3,000+ per month within 6 months.

Assuming you’ve got your audience right, they’ll be glad to dig a bit deeper to find out if your claim is true.

After that opening claim, you then want to expand on and back up your claim. To continue the example:

I know this because I’ve taught multiple students to do so. I myself am an SEO who makes over $XXX,000 per month.

Now you have some credibility behind your solution.

Finally, you should close off your introduction by explaining how the reader will get to the solution.

In this case, something like this would work:

I’m going to show you the X SEO basics you need to know and then a step-by-step process to follow to start generating revenue.

At that point, most readers will be hooked.

To recap, the 3-step process for this type of opening is:

  1. Start with your strongest benefit.
  2. Show why your claim is credible (since the claim needs to be impressive/slightly unbelievable).
  3. Explain how you’ll help the reader achieve the benefit.

Keep in mind that it doesn’t necessarily have to look exactly like that as long as all the elements are covered.

Here’s an example of this type of opening from one of my posts:

image02

The sentence in the first box only implies the benefit (ranking as well as Quick Sprout). I’m counting on the reader to be familiar with my site.

Shortly after, I say that I’ll show the reader what they need to do if they want to rank like Quick Sprout. This is actually the 2nd and 3rd step all in one.

The claim is credible because I state that I’ll personally show them the solution. Of course, I’m credible in this situation since I’m the one who built the site up.

At the same time, I’ve explained that I’m going to show them what they need to do. I explain a bit more right after that part.

Don’t get hung up having a clear distinction between all parts of the opening—just make sure they are all covered in the right order.

Conclusion

Don’t put tons of hours into writing an amazing post and then just slap on a weak introduction.

If you do that, too many of your readers will never make it down to the content that has the value.

Use these 4 types of openings to craft introductions that basically force readers to give your content a chance.

From there, I hope your content delivers.

Now, I have a question for you. Have you seen any great introductions lately? If so, do you mind sharing them in a comment below?



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Help or Hard Work?

One interesting challenge of being a personal finance writer with a popular website like The Simple Dollar is that I get a lot of feedback from readers, both by email and on social media, particularly from my personal Facebook page.

Ninety-five percent of the feedback I get is positive – people thanking me for a particular article I’ve written or how reading a lot of my articles brought about some positive change in my life, and I’m very humbled by that.

But today I want to talk a little about the other 5%. In particular, I want to talk about one common thread that comes through much of the criticism, the idea that I didn’t really earn debt freedom or my progress toward financial independence, that I was greatly helped or that it was given to me.

First of all, I absolutely was helped along that path, in more ways than I can count. For example:

I had parents that did everything in their power to help me as a child and have been supportive of every choice that I’ve made since then.

I have a college degree in computer science and a second one in the life sciences, giving me a lot of career opportunities.

I have a very supportive and wonderful wife.

I have had a number of wonderful mentors in my career, particularly three people who I can’t possibly thank enough for shaping my thoughts and perspectives on the world.

I have had reasonable health along the way (though this is something I’m going to come back to in a bit).

But given all of that, here’s what I didn’t have.

I was born with deafness in my left ear, blindness in my right eye, and with a highly dysfunctional thyroid gland that caused me to have to start on a daily medication at the tender age of three days old that somewhat replaces it — a medication that I’m still taking.

During my childhood, I had somewhere between 12 and 20 full anesthetic surgeries to repair various ailments. I came perilously close to dying during one of those surgeries. According to my count, I spent somewhere between six months and a year of my childhood in a hospital. These surgeries were often scheduled around the vagaries of my father’s employment status (and thus availability of health insurance). I still have incredibly poor balance and can actually fall over sometimes when doing completely normal activities.

I didn’t have wealthy parents. I grew up quite poor, in fact. There were many periods in my childhood where both of my parents were unemployed. I grew up in a tiny house that usually had more people living there than it could really support. There were spots on the floor where you shouldn’t step unless you wanted to fall through. There were parts of walls that were simply crumbling. I didn’t participate in several things I wanted to do as a child – very ordinary things – simply because there wasn’t enough money for it.

I went to school in a small rural school district, so small it didn’t have a football team or a drama club or most of the things you might expect a thriving school district to have. There were no nearby colleges other than a community college, and my parents didn’t have funds for any of that.

My parents did not pay for a dime of my college education other than buying my textbooks for a couple of semesters. They haven’t given me any money since my first or second year in college.

In fact, during much of my college career, I felt like an outcast in many ways. Even though I was going to a public state university, virtually everyone around me was from a significantly wealthier family than mine. Most of the kids received money and clothing constantly from their parents. I didn’t.

So, how exactly did I play this hand that was dealt to me?

When I was in the hospital or recuperating from procedures, I read all the time. I practically wore out my library card checking out books from the nearest public library of any size. I read books on countless topics. I would literally sit down and read encyclopedias from beginning to end just to grow my base of knowledge. I used to borrow math books from my teacher and do the work at home on my own. I’d ask my english teacher for advanced book suggestions and check them out from the library.

Because of this, I earned a lot of merit-based scholarships to college – not need-based, but merit-based. This paid for a healthy portion of my college education (but not nearly all of it – I still needed student loans to finish it out).

During every semester in college after the first, I worked at least 20 hours a week at various jobs while also studying full time for a STEM degree, which means the classes weren’t easy. To start, I asked my academic advisor if he could help me find some on-campus work related to my area of study and he did that in spades, helping me find a wide variety of jobs on campus. I worked like crazy at these jobs. I pulled all-nighters finishing projects for those jobs along the way and eventually I earned a “student employee of the year” award for the whole university for my efforts.

I got a very tenuous job after graduating, one that paid fairly well but lasted only for a year. During that year, my job was to work with a team of three to develop a pilot project. One of the team members essentially refused to work and just collected a paycheck; the other person’s skill set didn’t enable him to write any computer code. Over the course of five months, I singlehandedly wrote the code for the entire finished product and offered a fully-functional product at the end of our six-month project review, something we didn’t even need to deliver for another six months. This project is still in use today; even after countless revisions by others, big portions of my original code from many, many years ago are still in place.

That job turned into a full-time job after that. The new full-time job not only required more than 40 hours a week of work, but also required extensive work-related trips. However, even with all that work, I constantly filled my spare time with side gigs. I started a computer consulting business. I started an automated online poker business (I wrote a simple ‘bot program to automatically play online poker during the game’s heyday, using a very simple algorithm that made quite a bit of money). I started several blogs, including The Simple Dollar (which now forms the backbone of my full-time work). All of this was in my spare time.

For a few years, I made many dumb financial moves, but starting in 2006, I began to fix that. Within a year, I had the remainder of my student loans paid off, my car loan paid off, and all of my credit cards paid off, achieving complete debt freedom.

My wife and I (and our kids) currently live off of somewhere between 50% and 60% of our annual income. We do that largely by being smart about our spending. We don’t drive BMWs or Lexuses. In fact, I currently drive a 13-year-old Honda SUV that I bought off of Craigslist. We live in a very modest home that’s fully paid for – we have no debt whatsoever, but that’s in part because of our choice of a modest home and modest cars. Most days, I’m dressed in plain t-shirts and blue jeans, meaning my wardrobe is dirt cheap – but it’s comfortable. My biggest “foolish” expense is occasional board game purchases and occasional Kindle books.

We are on the road to financial independence because of all of this. My wife and I hope to both retire sometime shortly after our youngest child leaves the nest. According to our projections, we’ll have enough money to live off of the income from our investments at that point, investments built up by the fact that we live off of a little over half of our income.

You can talk about “luck” and “help” all you want, but behind pretty much every financial independence story out there – mine included – is a lot of hard work and a lot of hard choices along the way. We took any and all “luck” and “help” that we had and forged it into something far more than we had before.

In the end, the hard work and the hard choices were my choices.

I could have chosen to spend the free time in my life watching television instead of studying and reading books and learning. I chose the road less travelled.

I could have went to tons of parties in high school and college instead of studying and working at my on-campus jobs. I chose the road less traveled.

I could have done the minimum in my professional life and just collected a paycheck instead of busting my rear end to build something lasting. I chose the road less traveled.

I could have burnt a lot more of my spare time in my twenties goofing off with friends, playing golf, and so on instead of launching countless side businesses until something took off. I chose the road less traveled.

I could have had all of the same “luck” and “help” along the way, but if I had chosen the easier path in all of those junctures, I would not be on the road to financial independence today. I might have a “better” life in some regards – who’s to say – but the choices I made and the work I did paved this road.

Because of all of that, I can look forward to some great years ahead of me. I’m still in my thirties and the end of my working years feels completely within reach to me.

The road to financial independence is undoubtedly aided by the help of others and a little luck, but if you don’t do something useful with that luck and that help, you’ll never be able to move down that road. A person who lives a life of idleness can have all of the “help” and “luck” in the world and still never have the life that they want.

It’s the effort – the sustained effort over a long period – that makes the difference.

In the end, it’s your choices that make the difference.

Related Articles:

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7 Cheap Renovations That Helped This Writer Boost Her House’s Value by 30%

My first house was a gem straight out of the 1980s. Laminate butcher block countertops, orange-ish kitchen cabinets, emerald green fireplace tiles… you get the idea.

But being the thrifty (read: cash-strapped) 20-something-year-old that I am, I wasn’t about to spend a fortune to upgrade my home.

A year-and-a-half after purchasing the home — and renovating it in strategic ways that I believe saved me thousands of dollars — I got a new appraisal.

The value of my house had increased 30%.

Though some of that can be attributed to inflation and a super hot housing market in the Denver metro area, a good chunk of it was because of the changes I’d made. You can learn how to do your home repairs for free or cheap, too.

Here are my seven picks for do-it-yourself renovations that are both cheap and effective.

1. Use “Oops” Paint

home renovations

Never underestimate the power of a little paint.

Walk into a home and see bright pink paint everywhere? Don’t freak out. You can fix that with a little elbow grease and some vigilance at your local home improvement store.

Every time I walk into Home Depot, Lowes or Ace Hardware, I scour the paint department for “oops” paint, or paint that’s been returned to the store because the original buyer didn’t end up liking the color.

This paint is deeply discounted — often at least 50% off — and it might be just the color you’re looking for. You can frequently find it in large quantities, too, which helps if you’re trying to paint a large room or several rooms the same color.

Painting requires a fairly sizeable time commitment, but it’s not difficult and it saves you hundreds of dollars you’d be spending to hire professionals. If you’re in this for the long haul, you won’t mind painting a room or two at a time.

2. Take Advantage of Contractors’ Castaways

home renovations

Contractors buy items in bulk. They build dozens of houses at a time and often overestimate how much material they’ll need.

Their cast-offs can be your treasures.

Places like ReStore, run by Habitat for Humanity volunteers, are full of valuable items like sinks, cabinets, doors, light fixtures, wood flooring and more.

If you aren’t looking for a specific type of tile, for example, there’s typically an ample supply of neutral bathroom and kitchen tiles at my local ReStore at a fraction of the price I’d pay at the store.

Again, you’ve got to be vigilant and visit the store frequently to find what you want, but that time and effort is totally worth it — and kinda fun, to be honest — when you’re renovating on a budget.

My go-to item at ReStore? Doors.

Its selection of doors, both interior and exterior, is massive and you can get them for cheap — sometimes as low as $10. If you buy an older home, chances are the doors don’t match or they date the home.

A brand new batch of crisp, white doors can make the place look and feel totally different with minimal effort and cost.

3. Update Little Details

home renovations

Some of a home’s most overlooked details are fixtures — light fixtures, ceiling fans, door knobs, hinges and drawer pulls.

With a can of metallic or black spray paint, which will cost you between $3 and $7, you can transform these types of items.

These are all subtle cues to a buyer that your home is modern and fresh, not outdated and needing hours of work.

Instead of buying new ceiling fan kits, I spray-painted the existing fan blades and metal components and hung them back up — good as new.

I also spray painted all the door handles and door hinges — they were bright gold before — which helped modernize the house instantly. Same with my fireplace frame, which was mostly black but had bright gold accents.

This trick works on the exterior of the home as well. I freshened up the dated light fixtures that hung on either side of the garage with a bit of black spray paint in one afternoon.

If you can’t afford to paint or replace your cabinets, consider investing in new handles and knobs instead.

In my two-story home, the prominent stair railings and banisters were the same orange-ish color as the kitchen cabinets.

It took a while, but rather than buy new, I sanded, restained and sealed the original oak railings and banisters with a darker color. Now, my stairs are a focal point, not an eyesore.

4. Scrape Your Ceilings

home renovations

Remember when people thought “popcorn” ceilings were cool? Yeah, me neither.

This is an easy — though admittedly labor-intensive — update that will give your home more “wow factor” when a potential buyer walks through the door. It’s one less negative thing on their list.

To start, I advise taking it one room at a time.

Remove all furniture, then completely cover — and I mean completely — every surface in the room that you don’t want to be coated in fine white dust at the end of the day. I recommend using plastic sheeting and tape.

With a squirt bottle or a clean landscape sprayer, lightly mist a square section of the ceiling. After a few minutes, use a putty knife to gently scrape the “popcorn” off the ceiling. Repeat until the entire ceiling is smooth and flat.

Sand using a slightly damp sponge before applying a fresh coat of paint.

5. Replace the Builder’s Mirrors

home renovations

No matter which home you walk into, the mirrors in the bathrooms are likely original to the house. They’re probably big, boxy, unframed beasts.

A quick way to make your bathrooms look and feel more polished is to replace the builder’s mirrors.

Measure the space above the sink first, then head out to find an inexpensive, framed mirror to hang.

Your replacement mirrors don’t have to be brand-new — I’ve found some amazing mirrors at thrift shops and garage sales that added tons of character to the bathroom. With a little luck, you can probably find some mirrors for free, too.

Here’s where your trusty can of spray paint can come into play again — if the mirror has a unique and interesting frame, but it’s the wrong color, don’t let that discourage you.

6. Make Raised Garden Beds Out of Recycled Materials

home renovations

Don’t have the money to pay for landscaping? I’ve got you covered.

Scour the sale wood pile at the home improvement store, visit ReStore or nab a wood pallet someone else threw away. Then build a raised garden bed or two.

Raised garden beds keep out rabbits, moles and other hungry backyard pests, plus you can control the soil. They make gardening easier because you can walk around all four sides to pick weeds and pluck ripe vegetables.

They’ll also get a buyer thinking about the home’s potential — “What would I want to plant here next summer?”

Instead of focusing on your home’s patchy grass or complete lack of landscaping, they’ll be impressed by the clean lines and practicality of your garden boxes.

7. Change Your Countertops

home renovations

Though I splurged and updated my kitchen countertops to granite, I wasn’t ready to spend that kind of money on my home’s four bathroom sinks.

So, for $17, I bought a box of cement patch and skimcoat like this kind here. For less than $20, I made concrete countertops that look modern and sleek.

Start by taping off or removing your bathroom sink. Then, tape off any areas where the countertop connects to the wall.

Scuff and sand your existing countertop, and then wipe it clean. Mix a small amount of the cement powder with water and use a putty knife to apply it to the countertop in a thin, smooth layer.

Once that first layer dries, lightly sand away any bumps or divots. Add additional layers until the countertop is entirely covered and smooth. Seal your new cement countertop with heavy-duty concrete sealer.

You can also replace the entire countertop in your kitchen or bathroom with concrete by making a mold and pouring the concrete in.

Your Turn: What are some ways you’ve upgraded your home on the cheap?

Sarah Kuta is an education reporter in Boulder, Colorado, with a penchant for weekend thrifting, furniture refurbishment and good deals. Find her on Twitter: @sarahkuta.

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