Kitchen Remodeling Without Having to Break the Bank

The following guest post was submitted by Jennifer Kardish. Jennifer is a communications coordinator at Kitchen Cabinet Mart. You can check out their free design tips for your kitchen and home.

A good kitchen remodel can get really expensive really quick.  Aside from the daunting price tag, you also have to consider that it may take weeks or even months, throughout which you will not have a workable kitchen (eating out equals empty wallet).  Of course, this is assuming that you opt for a contractor (or several) instead of the DIY approach (which may take longer, but only affect certain areas of your space at one time). If you do opt for a contractor, I highly recommend vetting them with a site like Angie’s List.

East Wall - Kitchen by nickytheblade on Flickr

However, the benefits of a remodeled kitchen are certainly appealing, whether it’s for your own use or as a selling point (or both).  And surprisingly, you can save a lot of money by following a few simple steps.

1. DIY as much as you can.  Whether you have the chops to operate a table saw and the electrical know-how to install recessed lighting, or if all you can do is lay tile, doing it yourself will save you a ton of money.  There are all kinds of manuals and guides to teach you how to do home improvement projects, but be aware that if you go into it with no idea what you’re doing, you may end up spending more money to have it re-done, so do some research and try to tackle projects that you feel you can realistically complete on your own.

P.S. Ask for help! You probably have plenty of friends who are handy with a hammer and willing to work for pizza and beer.

2. Be a bargain hunter.  All kinds of websites offer discounts on materials from cabinets to tile to appliances and hardware.  You can usually find a much better price by letting your fingers do the walking.  Just keep in mind that going to a local store could yield a better price on installation.

3. Don’t be afraid to haggle.  We’re in a buyer’s economy.  Everyone wants your business, which allows you to be choosy.  So see if local businesses are willing to price match or give you a better deal for purchasing multiple products or services.  You’ll be surprised how much you can get by simply asking.

4. Wait for sales.  If you’re not in a rush to get the job done, wait for one of the big holidays (Easter, Independence Day, Thanksgiving, etc.) to take advantage of mega sales and seasonal blowouts.  Most stores use these times to get rid of old stock at exceptionally low prices.

5. Get it used.  You can check garage sales, but you’re better off using the internet.  There are all kinds of resources for used kitchen items, including cabinets, flooring, and hardware.  You can save a bundle and often getter better products by recycling used parts.  There are websites for everything used, or you can check on eBay and Craig’s list for specific items.  Just remember, pre-owned items are usually buyer beware, so make sure your purchases are the quality you desire.

A kitchen remodel can seem like rocket science (and cost just as much) if you work from a model-home mentality, so forget about the designer kitchens you’re lusting after in those magazines.  You can still get close to what you want for a fraction of the cost by shopping around, waiting for sales, and talking down sellers.  And with a little ingenuity and elbow grease, your dream kitchen won’t cost you an arm and a leg.

Weekly Roundup: Summer Camp Edition

What happened to summer camps where the kids go off for a couple weeks and come back sunburned and more appreciative of home? These days, “camps” involve daily four-hour activities that requires parents chauffeur kids all over town, dropping them off and returning to work or home just in time to leave again to pick them up.

I digress, let’s move on to the roundup.

The Frugal Roundup

Drive-in Theaters - A Money-Saving Movie Experience. Two opening weekend movies for $6.75 a person? Now that’s what I call a deal! (@Lazy Man and Money)

Financial Freedom and Using Passion to Budget. Here lately, I’ve been trying to let passion guide our budgeting. We’re intentionally saving up and spending money on things we’re passionate about, and only those things. (@Wisebread)

The Southern Plate. A friend recently recommended this website as a resource for recipes, and I have really enjoyed looking through their index. I particularly like the pics of ingredients and food prep as it helps show me what I’m doing wrong.

Three Passive Barriers I Use to Counter Consumerism. In this video post, Baker shares three tips on how he and his wife fend off consumerism. (@Get Rich Slowly)

Store-Brand vs. Name-Brand Blind Taste Test. I don’t know why, but these taste test are really starting to amuse me. (@Len Penzo)

Best of the Rest

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Government Backed Loans and First Time Homebuyers

The following guest post is by Robert Stretch. Robert works in the marketing department of VA Mortgage Center.com, America’s Number One Dedicated VA lender.VA Mortgage Center.com helped over 500,000 families find their dream homes in conjunction with the VA home loan program in 2009.

If you’re like most people, buying your first home can be one of the most exciting moments in your life. From deciding which features you’d like in your new place to determining which neighborhood is the right one for you, the house buying process is an exhilarating one full of fun decisions. However, the fun generally stops when it comes to financing. Finding a way to purchase your dream home can be stressful, but getting just the right loan is one of the most important steps you’ll ever take to financial security.

While traditional loan programs often have high down payment minimums (as much as 20% of the purchase price in most cases, which translates to about $40,000 on a $200,000 purchase) and stringent credit score requirements, a government-sponsored loan program is often a great solution for first time homebuyers.

While government-backed loan programs don’t lend money directly to consumers, each program works with conventional lenders and provides each lender with a guaranty to reduce the risk of the loan. Essentially, the loan program assumes some of the risk for the loan which makes the lender able to reduce their usually strict lending requirements since the risk of exposure is also reduced.

FHA Loans

The Federal Housing Administration manages one such loan program. FHA loans are primarily for first time homebuyers and feature not only lower down payment requirements but also less stringent credit regulations. Buyers who have less than stellar credit can often still qualify for an FHA loan while not sacrificing a good interest rate, which is critical to a low monthly payment.

FHA loans feature a variety of interest rate plans and have both adjustable and fixed rates, making the program a great one regardless of your financial picture. The program allows a 3% down payment and allows buyers to roll closing costs into the loan.

VA Loans

If you’re a veteran or active duty service member who is buying your first home, the VA home loan program is worth close examination. Sponsored by the Department of Veterans Affairs, VA home loans are geared towards ensuring that those who have served our country can afford to purchase a home if at all possible.

The program features both a zero down payment option (excellent for buyers who haven’t had time to save a down payment) and a small down payment program (perfect for borrowers who need relaxed credit requirements but have saved a bit of money). Veterans and service members may use the VA loan program more than once, making it an excellent option at any stage in life.

USDA Loans

Another great government-backed loan program is the one backed by the United States Department of Agriculture. USDA loans are geared towards lower income buyers (borrowers must not exceed 80% of the median income for their particular area) and offer great payment and loan options. The USDA program just may be the only legitimate loan program remaining to civilians which offers a zero down payment option and in fact, borrowers can finance 102% of the property sale price if the home in question needs repairs. These repairs can be completed before or after the sale takes place.

The USDA program also boasts no need for private mortgage insurance, which is often required on other loans to protect the lender against default. PMI can cost borrowers up to several hundred dollars each month, so not having to pay this fee represents a huge savings to the average borrower.

Each government program has maximum loan limits to which each borrower must adhere. These limits are generally based on the cost of living in your area and are set at a very reasonable rate to ensure that every buyer, regardless of the area’s cost of living, can still afford a modest home anywhere in the country. For more information on these wonderful alternatives to traditional financing, visit your lender or visit each program’s website at www.fha.gov, www.va.gov or www.usda.gov.

How to Stockpile Food for Survival

For a variety of reasons, many families choose to stockpile food. Common reasons for stockpiling food include disaster preparedness, power outages, religious reasons, or in case of financial downturns. If you are considering starting your own food stockpile, you might be wondering exactly how to get started as there are plenty of things to consider, such as storage areas, food safety, food insurance options, etc.

12 MREs of Kartina by JaseMan on Flickr

Why Are You Stockpiling Food?

Stockpiling food can vary dramatically in scope and size, depending on your purpose. Some families choose to store enough food to last a year, including drinking water, while others may target a shorter disaster recovery period, such as 7 to 30 days.

Others may choose to just have a few extras of common staples around, helping prevent last-minute trips to the store or in case of short-term financial shortfalls.

Using Coupons to Build an Inexpensive Stockpile

One of the more interesting stockpiling tips I’ve run across is buying staple foods with coupons. Most families don’t buy a year’s worth of food in one trip, mostly because it’s expensive. But if you learn to combine sales and coupons, you can easily and inexpensively build your store. For example, if you have coupons for canned tuna and your store runs a great sale, buy as many cans as you have coupons for.

I’ve even heard of people paying others to clip coupons for them and mail them. A simple query of eBay for “tuna coupons” revealed some promising leads. For about $1.00, I can bid on a lot of 10 coupons for $0.55 off a pouch of Bumble Bee premium tuna (I like the pouches for survival scenarios because they can be easily opened with a knife. In fact, we keep several packs in our bug out bag).

If my local Kroger store had a sale on Bumble Bee tuna pouches, it would be a great time to get some additional coupons and stock up. It’s important to note that coupons themselves are not for sale – that is a violation of most manufacturer’s terms. You are merely paying someone else for their time to clip from various sources and mail.

Rotating Stockpiles Based on Expiration Dates

Stockpiling food over time is also a good idea for food safety and freshness. By buying products over a varying time period, you will get different expiration dates. When you buy new food, rotate your stock like grocery stores do–always put the new food in the back, so the oldest food is in front. That way, you don’t run the risk of having a forgotten item expire in a back corner of your store room. Keep an eye on the expiration dates–it’s no good to stockpile expired food, so you’ll want to use items from the front of your stockpile periodically.

Another consideration for learning how to stockpile food is your storage space. Ideally, a cool, dark area such as a basement will help preserve the food, and it also protects the items in case of a natural disaster such as a tornado. However, you will want to make sure it is also a dry basement, as seepage can cause cans to rust, which will make the food unsafe.

If you live in a warm climate, avoid storing items in your garage, unless it is climate controlled. For packaged dry goods such as flour, cereal, or sugar, store them in a plastic crate that will prevent bug infestation. I’ve opened up more than one box of cereal or crackers to find ants or mice have made their way into our stockpile.

Canning and Preserves

Other food stockpiling tips include canning and preserving your own food, as well as growing your own produce for canning. Growing and canning your own food for stockpiling is considerably less expensive than buying canned goods. You can also control the sugar, sodium, and preservatives by canning your own food. If you have a pressure cooker, you can also preserve meats. Be sure to read your pressure cooker’s instructions carefully to ensure proper food safety.

When it comes to deciding what to stockpile, consider your family’s tastes, length of expiration dates, and nutrition. The more variety you can store, the better. Good items to stockpile include:

  • Canned fruits and vegetables
  • Dry goods such as granola and cereal
  • Peanut butter
  • Baby food and formula ( if appropriate)
  • Powdered milk and potatoes
  • Canned soup (look for low sodium varieties)
  • Tuna (excellent protein source)
  • Bottled water (cheaper by the gallon)
  • White rice (lasts longer than brown rice)
  • Freeze dried foods (lightweight and last for years – look for these at your local sporting goods store or at a military surplus store.

For natural disasters, you should also store a cooking source and fuel, such as a propane camp stove. Don’t forget a manual can opener as well. If there are any special health considerations in your family, such as medications, try to create a stockpile of medications as well. A good multivitamin may not be a bad idea to toss in your stockpile as you will probably not be receiving adequate nourishment in a survival scenario.

10 Father’s Day Gift Ideas Under $50

Finding great Father’s Day gifts can be a difficult task, especially if you are on a tight budget. The perfect Father’s Day gift is something that is thoughtful, useful, and perhaps even sentimental. Fortunately, it is very possible to find such a gift under $50 with a little bit of extra effort.

10 Gift Ideas Under $50 Perfect For Father’s Day

1. Wireless Grilling Thermometer. For the father that loves to grill, but just can’t seem to always get it right, these thermometers make it easy to grill meat to perfection. These thermometers not only look high-tech, but are extremely simple to use. Even fathers that are usually weary of technology will enjoy this gadget. At around $40.00, a wireless grilling thermometer will not only go to good use, but works as an affordable gift.

2. Motorized Tie Racks. If your father’s closet is so cluttered that he ends up wearing the same tie with every outfit, this tie rack is sure to come in handy. These racks allow for easy and convenient tie storage, and make getting dressed much less complicated. For the father in need of tie organization, these motorized racks will run about $40.00.

3. Multiple Gadget Charging Station. This gadget is one of the most useful Father’s Day gifts that your father will receive this holiday season.

These stations are affordable fathers day gift ideas that range anywhere from $10.00 to $50.00 depending on their design and style.

4. A “Men At Work” Gift Set. Put together your own gift set for dad with a variety of snacks, and toss in a $10.00 – $20.00 gift card to Lowes. If your father enjoys making home repairs or otherwise working around the home, he will certainly enjoy the thoughtfulness of this gift.

5. Waterproof, Multi-function Calorie And Heart Rate Monitor Watch. For the health-conscious father. This watch is part heart rate monitor, part pedometer. Help him get in those 10,000 steps a day the experts say we should be striving for.

6. Money Clip With Built In Credit Card Organizer. These types of money clips feature a specialized clip for storing cash and a protective metal sleeve in which to place credit cards. Outside buttons allow fathers to organize their credit cards and choose the corresponding button when they need to dispense a specific card. These organizers will cost around $40.00, but are a great alternative to traditional wallets.

7. Wireless key, glasses, and remote finders. While these electronic devices range in price from around $15.00 to $50.00, they are a practical gift for almost any father. These devices are composed of a central device and multiple detectors that can be placed on items that are frequently misplaced. I might even pick up a set of these for myself!

8. Shower Radio And Mirror. These radios can be fastened to shower walls and feature an AM/FM radio, along with a mirror. Not only will for father be able to shorten his morning routine by shaving in the shower, but he will be entertained while doing so. This gadget will generally run gift-givers between $25.00-$50.00, depending on the model and features you choose.

9. Personalized Watch Case. Most men have a favorite watch for work, work outs and maybe a nicer one for the weekends. For Father’s Day, give your father a gift that will allow him to store his watches in style, while only costing around $30.00 to $50.00.

10. Tickets. Most fathers enjoy nothing more than spending time with their children. For this Father’s Day, give your father a gift that you can enjoy together, like tickets to a favorite sports team, concert, or event. While tickets can run anywhere from free to $50.00, the memories that will be made are priceless. To save a little money, check out a minor league team in your area instead of the majors.

Check out more Gift Ideas for Men