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Start the New Year with New Savings Habits

Wednesday, December 27, 2023
by Tucker Robbins


When you are on a tight budget, savings may not necessarily be part of it. It can be easier than you think, however, and stashing money into a savings account is important not only for homeowners but for anyone. Check out these ideas and try adding them to your personal financial plans:  

 

  • Asking your employer if they offer a direct deposit paycheck program is wise. Not only does your money deposit a day earlier than others receive a paper check, but you can arrange for a certain amount to be put in a savings account.  
     

  • Cut back on lunch expenses on workdays and bring your own lunch. Add the normal cost of a take-out lunch to your savings account. 
     

  • Once a loan or credit card balance is paid off, add the payment amount you would normally make to your savings. 
     

  • Round off your checking account balance each week and transfer the difference to your savings account. In other words, if your final balance is $247.68, round it down to $240.68--or even better--$230.68.  
     

  • Save money on groceries by creating a meal plan each week and buy only the necessities for those meals with a limited number of snacks. Another way to save is to order your items online and pick them up at the store (it will save you from impulse purchases!). Watch your savings add up and put the difference in your savings each week.   
     

  • Sign up with a rebate shopping app like Rakuten (formerly Ebates) or Ibotta, and have the rebates sent to a PayPal account, and think of it as no-interest savings, and transfer the funds to your bank account whenever you want. Some rebate companies are now offering direct deposit as well. 
     

  • Believe it or not, unsubscribing from promotional emails can save money if you frequently click and buy through the emails they send. 

 

Once you develop a routine, saving becomes second nature. The increasing savings balance will encourage you to keep up the new habit, and maybe even find more ways to save!  

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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Natural Scents for Your Home

Wednesday, December 20, 2023
by Tucker Robbins

According to research done by Scentiments, 80% of Americans use home fragrances.  The choices can be overwhelming, and visitors and family members can be allergic to mass-produced products, as they likely contain chemical compounds.  Many people, however, have what they need for their home fragrances right in their pantries or available on grocery shelves! 

 

Fragrance Combinations 

  • - orange or lemon peels and whole or ground cloves 

  • - fresh rosemary stems and leaves, lemon peel, and a few drops of vanilla extract 

  • - lemon or lime peel and basil leaves, fresh or dry 

  • - sliced cucumber (or just the peel), basil leaves and a teaspoon of ground ginger 

  • - dried lavender, lemon peel and peppermint oil 

  • - grapefruit peel and lavender blossoms or rosemary stems with leaves 

 

--Mix one of the above combinations with a few cups of water, and simmer on your stove. Be sure to add more water as it evaporates, and the fragrance usually lasts about sixteen hours of simmer time.  If you have any scent left in the mixture but won’t be home to enjoy it, let the mixture cool, and store it in the refrigerator for up to a few days. The mixture can also be used in a small electric simmering pot. 

 

--All you need is a spray bottle, distilled water, and one of the Fragrance Combinations, and you’ve got custom room spray!  Add your favorite ingredients to the bottle, fill with distilled water, and allow to sit for a few hours.  Keeping the spray refrigerated will keep it fresh for a week.  If you want to keep it longer, a few drops of rubbing alcohol or witch hazel astringent will help with preserving it. 

 

--Air freshener beads can be made with polymer absorbent crystals normally used for potting soil!  Mixing the same ingredients as the room spray, add a few drops of rubbing alcohol to keep the mixture from spoiling.  In a bowl, mix one teaspoon of the crystals and one cup of your scented water. For a stronger scent, add a few drops of essential oil or extracts leftover from baking.  Once the polymer has absorbed all of the water, divide them into two pint-sized jars.  Use a scrap of lace to cover the top, and add the screw lid.  

 

--Because essential oils are another natural alternative, here is an easy DIY reed diffuser idea.  All you need is your favorite essential oil, a glass bottle and bamboo skewers! 

 

Remember that these natural scents will not be as strong as commercially-produced fragrances.  The good thing about using what comes from nature can be used more frequently without the worry of using added chemicals in your home.  It will take a bit of getting used to, but a naturally sweet-smelling home will be a reward in many ways. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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Going Green for the Holiday Season!

Wednesday, December 13, 2023
by Tucker Robbins


We don’t need an official statistic to tell us that trash in the US increases during the holidays, but some reports say that over 1 million tons of extra waste are generated in the United States from Thanksgiving to the New Year!  How can we reduce that number?  It may take some effort on our part, but we can cut back on what we use and throw away during the holidays! 

 

  • - Not only will ditching store-bought gift wrap save room in the trash bin, but it will also save money! Check out these alternatives from How Stuff Works. In case you must buy something, look for inexpensive reusable tins, boxes and gift bags. 
     

  • - Besides gift cards, give presents that are about presence:  trips, a year’s pass to a museum or local amusement park, memberships to spas, or concert tickets. 
     

  • - Thrift-shopping is one way to reuse items, and treasures can be found by visiting them often.  Don’t forget local social media “yard sale” groups, as well as websites that allow people to sell used items. 
     

  • - Don’t forget the batteries but make them rechargeable! This type of battery is becoming more affordable, especially in the smaller battery sizes, and it keeps nasty battery waste from going to our landfills. 
     

  • - It is irritating to get the lights up and half a strand dies as soon as they’re plugged in, but don’t throw them out!  Read about how to check them over,, as well as tools that are made specifically for repairing lights.  If they are truly burnt out, find a recycling center for them instead of sending them out with the garbage. 
     

  • - Break out the “good” dishes instead of using disposables!  Ask everyone to pitch in once the meal is over, and clean-up will be a breeze. 
     

  • - Food waste is something we don’t think about often, but we can cut back on what we throw away by planning well and thinking creatively with leftovers.  Find helpful tips and recipes, as well as the Guest-Imator tool at savethefood.com. 
     

  • - Live trees are used in almost half of American homes, but they shouldn’t be sent to a landfill.  Learn about different ways to reuse the tree, or contact a conservation group to see if they can use it for wildlife. 

 

Cutting back during the holidays goes against what our society tells us about how we should spend these next few weeks, but even little things like using unconventional gift wrapping for just three gifts adds up, according to Visual.ly.  Commit to making three changes this year, and next year, add three more to your list.  Consider it a gift to the environment. 

Courtesy of New Castle County DE Realtors Tucker Robbins.

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End-Of-Year Giving!

Wednesday, December 6, 2023
by Tucker Robbins


With just a little more than a month left in the year, many begin to think about charitable donations.  Once you’ve decided on an amount to give, there are a few things to keep in mind: 

 

  • 1. Did you give last year?  Do a quick check of the organization’s website, or give them a call to see what sort of strides they’ve taken.  If you’re not satisfied, or don’t see progress, consider another charity. 
     

  • 2. As difficult as it can be to narrow your donation to one organization, a larger gift can be more beneficial as one gift, instead of spreading your donations around. 
     

  • 3. Keep in mind that there are thousands of charities who don’t have it in their budgets to advertise.  Consider giving to a local charity, or a national one that’s lesser known. 
     

  • 4. Once you’ve narrowed down your list, call the charities if you can’t find their mission statements online, and ask questions.  It’s the best way to get the information you need. 
     

  • 5. Although there’s nothing wrong with giving to your alma mater or the hospital that took such great care of a family member, find out if your local homeless or domestic violence shelter needs help.  These kinds of organizations usually struggle to make ends meet in providing services. 
          

  • 6. Make sure your charity is legitimate, and it’s very important to check their finances. Charity Navigator’s website will let your search a charity’s name and get feedback. 
     

  • 7. Because donations are tax-deductible, the IRS has a search tool that allows you to see what organizations are eligible for tax-deduction gifts. There are other handy options, such as seeing what organizations are no longer allowed to be considered exempt. 
     

  • 8. Avoid scams--charitable giving is at a high at the year’s end, and crooks abound.  Use the above IRS search tool to make sure your charity is a legitimate charity. 
     

  • 9. Keep receipts, check stubs or letters of thanks for when you’re filing taxes.  If your donation isn’t monetary, but something valued at over $5,000, the IRS requires an appraisal for your deduction. 
     

  • 10. Do you volunteer? Any out-of-pocket directly related expenses--even mileage--are tax deductible.  
     

  • 11. Keep in mind that last-minute online donations made December 30-31 are eligible for a tax write-off.  

 

Deciding who should benefit from your generosity can be a tough or easy decision, depending on what you already know. Just look for charities that depend on your generosity to keep their doors open, or who need your physical presence to be successful.  Giving isn’t always about money.  

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

 

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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