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Posts tagged with: sticking to a budget

The Christmas Budget is…

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As any long term BAD reader knows, I love to gamify finances. It keeps me motivated. And this year was no different.

I decided earlier in the year that my Christmas budget would depend wholly on my $5 bill challenge. I’ve been doing this $5 game for several years. And each year has been different. Here’s how I spent them back in 2022.

As we prepared to head to Texas this past week, I broke out my bucket and counted out my stash!

Drumroll please….this year, I have $215 to spend on Christmas.

Making It Stretch

Since I want to make it stretch as far as I can and provide gifts for my parents, siblings, and my kids, I’m going to have to get creative. And frankly, it’s been a long time since I got creative. Time to create my own Santa’s Workshop for the season.

santa clause ornament

Back in the day, I was an avid scrapbooker, but got rid of my stash a few years ago when I purged most of my homeschool supplies. So I don’t want to break the bank on supplies either.

A few weeks ago, Princess and I attended the local Harvest Fest where creators and crafters display their wares for sale. I was so inspired. And have a few ideas that I think I can pull off well.

Homemade and Personalized

I’m not going to share my ideas here yet as I believe some of my friends and family read here and I don’t want to give it away. But the goal is to create practical gifts that are personalized and don’t break the bank. The supplies I’m thinking are:

  • Boxes – shoe boxes, cigar boxes (I recently received 1/2 dozen of these for free from someone who knew my grandfather), small amazon boxes
  • Modge Podge – I can get a big bottle for less than $5 at a craft store. I am making a comprehensive list before I go so I don’t go overboard.
  • Paint – If I stick to just a couple of colors, I can buy big bottles and hopefully not have much left over that I have to store.
  • Clothespins – Great for creating personalize gift holding a picture or notecard. And with a magnet attached, they become handy as chip clips or refrigerator decorations.
  • Sharpies – thankfully, I have these in abundance, so no purchase necessary. Great to write on a variety of surfaces.
  • Construction paper – I have lots of coloring supplies, books, crayons, pencils, etc. Mounting a colored item on construction paper just ups the presentation a bit. And by coloring or drawing something, it allows me to deliver a very personal message or wish for the person I give it too.
  • Magnets – I don’t think a bag of adhesive backed magnets won’t break the bank. And allow me to turn my clothespins into an easy to use display.

I am looking forward to some music filled, candles burning, hot chocolate by my side, in my pjs, craft time at my kitchen table.

The goal is to create gifts for 15+ people with this budget. Challenge accepted!

Pictures to come.

How to Spend Wisely on Long-Lasting Landscaping Improvements

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Investing in landscaping improvements not only enhances your home’s curb appeal but can also add to its long-term value. However, not all landscaping investments are created equal. Some upgrades may require ongoing maintenance, while others offer long-lasting benefits with minimal upkeep. Here’s how you can spend wisely on landscaping improvements that stand the test of time, while also considering safety and sustainability.

Choose Low-Maintenance Lawn Alternatives

Traditional grass lawns require constant attention, from mowing and watering to fertilizing and weeding. Many homeowners find maintaining a natural lawn to be a significant burden, with roughly 31% expressing a desire to avoid the upkeep entirely, according to Aviva. If you’re among those who want a beautiful yard without the hassle, consider low-maintenance alternatives.

Options such as artificial turf, native plants, and xeriscaping can drastically reduce the amount of time and money spent on lawn care. Artificial turf, for instance, doesn’t require mowing, watering, or fertilizing, making it a great choice for homeowners looking for a long-term solution. Native plants and xeriscaping also thrive with minimal water and care, helping you conserve resources while creating a lush landscape.

Prioritize Fire-Resistant Landscaping

In addition to aesthetic and maintenance concerns, safety should also be a priority when planning your landscaping improvements. Modern homes face a heightened risk of fire, burning 800% faster than older homes, according to the National Fire Sprinkler Association. This means that in the event of a fire, homeowners may have less than three minutes to safely evacuate after a smoke alarm sounds.

To mitigate fire risks, consider incorporating fire-resistant plants, trees, and materials into your landscape design. Opt for non-combustible materials like stone, concrete, and gravel for pathways and hardscaping elements. Additionally, keeping a defensible space around your home, free from overgrown or highly flammable vegetation, can reduce the risk of fire spreading to your property.

Mulch for Healthier Plants and Long-Lasting Results

Mulching is an affordable and effective way to improve the appearance of your landscaping while promoting plant health. It helps retain moisture in the soil, reduces weed growth, and protects plant roots from extreme temperatures. However, it’s important to apply mulch correctly to ensure your plants can thrive.

According to Home Depot, the ideal mulch layer should be two to three inches deep. This depth allows water and air to reach the roots of your plants, ensuring that they stay healthy and continue to grow. Applying too much mulch can suffocate the roots, while too little won’t provide the necessary protection. Opt for high-quality organic mulch, such as bark or wood chips, which will break down over time and enrich the soil.

Invest in Durable Hardscaping

Hardscaping elements like patios, pathways, and retaining walls are great long-term investments that require little maintenance once installed. Choosing durable materials such as stone, brick, or concrete ensures that your hardscaping features will stand up to the elements and continue to look beautiful for years to come. Not only do these materials add visual appeal, but they also improve the functionality of your outdoor spaces.

A well-constructed patio can serve as an outdoor living area, while stone pathways create a natural flow through your garden. Retaining walls can be used to prevent soil erosion and create defined spaces within your landscape. By investing in high-quality materials and professional installation, you can enjoy the benefits of these features without worrying about frequent repairs or replacements.

Consider Sustainable Watering Solutions

Water conservation is a critical factor in any long-lasting landscape design. Installing efficient irrigation systems, such as drip irrigation or smart sprinkler systems, can ensure that your plants receive the right amount of water without wasting resources. These systems are designed to deliver water directly to the roots of your plants, reducing evaporation and runoff.

For even more sustainable landscaping, consider incorporating a rainwater harvesting system. This allows you to collect and store rainwater to use for irrigation, reducing your reliance on municipal water sources. Not only does this save money on your water bill, but it also helps conserve a valuable resource, making your landscaping efforts more eco-friendly.

When planning your landscaping improvements, it’s essential to think beyond immediate aesthetics and focus on long-term benefits. By choosing low-maintenance options, prioritizing safety, and incorporating durable materials, you can create a landscape that looks great and stands the test of time. Simple choices like using the right amount of mulch, opting for fire-resistant plants, and installing efficient irrigation systems will help you spend wisely on improvements that enhance your home’s value and minimize ongoing maintenance.