Anastasia Kaufman's Blog
Whether you call it a "rainy day fund" or a "financial cushion", having some money set aside for emergencies or unexpected expenses can help keep life on an even keel.
Although health insurance and a homeowners' policy can provide a measure of protection, insurance deductibles can take a large bite out of your bank account.
In addition to all the predictable expenses that accompany home ownership, mechanical systems like furnaces, hot water heaters, and air conditioning units have a way of breaking down at the most inopportune times. Another crisis that many people aren't prepared for is the potential loss of a job. When families don't have money set aside to weather the storm of an unplanned income loss, then there's no "safety net" to cushion the fall.Strategies For Saving MoneyThe good news is that there are plenty of ways to build up financial reserves, but it often requires self discipline, a new set of habits, and the intention to make it happen. One of the first steps to putting some money aside for a rainy day is to open up a separate bank account. If you put extra money in your regular account -- or (even worse) keep it around the house -- chances are it will get spent pretty quickly. However, if it's deposited into a separate account that's designated for emergencies, unexpected household expenses, or even a college fund, then it'll stand a greater chance of being left alone until it's needed. Putting money aside does take some doing, but it can contribute to your family's financial security and ability to do things that are important to you.
If you have a tight budget, you're probably wondering where this extra money is going to come from! Sometimes, the very act of developing a written budget can provide you with clues and ideas for reducing your expenses. You'd also be amazed at how much the savings can add up when you comparison shop, buy in bulk, use coupons, negotiate lower interest charges on your credit cards, quit smoking, car pool to work, cut back on restaurant food, and make up your mind to live just a little more frugally.
Depending on how committed you are to creating a financial cushion, you could also make the fund grow faster by depositing a percentage of Christmas bonuses, tax refunds, manufacturer rebates, salary increases (raises), and other sources of extra income. Additional ways to beef up your financial safety net could include getting a part-time job, doing freelance work, holding a garage sale, or selling unwanted items through ads or flyers. When you pay off credit cards, car loans, or other debts, you could also redirect some or all of those monthly payments into your "future needs fund."
Whatever you decide to call it, it's nice to know that there's some extra money on hand for unexpected expenses, emergencies, potential job losses, college tuition, weddings, family vacations, home renovations, nursing home costs, or even retirement.
185 Manville Hill RD, Unit#302, Cumberland RI, 02864
You always want to be safe in your new home, but bringing home a new baby brings your safety protocol to a whole new level. In the first few months of life, the baby won’t be getting into too much trouble. By the time the baby can crawl, however, it’s a whole different story. This is why you want your home prepared before the baby even gets there. You should keep your home free of hazards. No more boxes in the way on the floor. The glass coffee table may need to be put away for a time. The nature of your home will certainly change once your little bundle of joy arrives. Below, you’ll find some of the most basic baby safety measures that you can take around your home in order to bring it from normal home to “baby proof.”
You’ll want to look at your home from the level of a child. Anything that you feel he or she could get into when you’re on the floor on your hands and knees is fair game.
Lock Drawers And Cabinets
Both drawers and cabinets should be locked in the bathroom, kitchen, even in your office. You never know what a baby can get himself into! This is especially important for drawers and cabinets that have sharp objects like knives, scissors, or tools. Any cabinets that have chemicals, heavy pans, or anything else you don’t want a child getting into should have a lock on them. Locks for cabinets are available in both the interior style or exterior style safety lock. Both types of locks can be easily installed in cabinets and drawers in order to prevent children from opening them, yet giving the adults in the house continued access to the things that they need.
These small plastic fittings come in a variety of types and styles. Some insert into the outlets themselves while others cover the entire outlet plate. Some snap onto the outlet while others open like a door. You’ll want to choose a type of outlet cover that will work best for your needs. You don’t want an inconvenience when you do use the plug and you also don’t want a lot of small plastic pieces hanging around the home to be just another hazard to your child.
Gates are one of the most valuable safety items that parents can install for their kids. Gates can be installed in doorways where the child shouldn’t have immediate access. These safety measures are also important at the bottom and top of each stairway in the home. Baby gates come in all shapes and styles, so you’ll want to decide what works best for your needs in the home. Some gates are mountable while others are detachable and portable from room to room. Some gates even have extension pieces that are available to be installed along with them to fit rooms of all sizes.
Bumpers get their name because they prevent exactly what the name states-bumping! You’ll want to put these bumpers and corner guards to cover any rough or sharp edges around your home. Consider covering the following areas of your home:
- Coffee tables
- Wood stoves
Anything with a sharp corner or edge needs to be covered to prevent your child from injury.
Baby Proofing can be a difficult task, but with the right tools, you’ll be able to protect your precious little one from harm around your other big investment- your home.
10 Kay ST, Cumberland RI, 02864
When you have kids, the dynamics of your home change. You often go from refined to durable. If we looked at flooring from a simply practical standpoint, we’d end up with uncomfortable flooring's like ceramic, laminate, or engineered wood. That’s why carpets come in handy.
For one, children spend a lot of time playing on the floor. When you put down a carpet and there are children around, you fully expect that there will be spills, blood, and much roughing around done right on the surface. So, you’ll need to choose your fibers carefully when picking a carpet out.
Know that polyester, nylon, and triexta are among the most durable types of fibers. Stay away from wool carpets, as they are really not the best choice for homes with children. Polyester (also known as PET), is a budget friendly, and environmentally friendly type of carpet that provides stain resistance and a long life. Nylon is known for durability and softness. This is another material that’s great if you want a carpet with a long life. Triexta is a unique fiber that provides the highest amount of stain resistance and really will be soil-free.
There is another option when it comes to carpeting and that is modular carpeting. This type of carpeting can be laid out in the form of tiles. If a piece is soiled, stained, or ripped, you’ll be able to just switch out that piece of the carpeting puzzle if it can’t be cleaned. This is an option for homes with children, however, it’s not a popular choice in residential settings. Generally, modular carpeting is used in commercial settings like office buildings, and indoor public places like shopping malls. This can be a good option for you depending on the size of your home and your needs. If you have a room that’s completely dedicated to children, like a playroom, for example, you could use a modular carpet.
Treating The Carpets
There is an option to have your carpets pre-treated with a Scotchgard like chemical. This is also available for your furniture. It helps to prevent your furniture and carpets from stains and soiling, surrounding each fiber for a total protection. Once a fiber is treated, it will never wash or wear off. It’s a good option to treat your home with this especially when you have children.
Whether you decide to do wall-to-wall carpeting or simply place some area rugs around in order to make the floors of your home more durable and comfortable for children, you have some options to take the curse off of the inevitable mess that children will make.