Category Archives: Saving tips

Why You Should Choose Impact Resistant Windows

Your choice of windows makes a big difference in your home’s safety and energy efficiency. You may not realize it, but investing in good windows can prevent several issues, especially in extremely hot or cold climates.

If you want to upgrade your windows or build a brand-new home in hurricane-prone areas, you might want to consider impact-resistant windowpanes. This article will provide a few examples of how shatter-proof windows can benefit your lifestyle.

Photo by Sebastian Staines on Unsplash

Set It and Forget It

Impact-resistant windows are incredibly durable, as their name suggests. If you live in a region that experiences hurricanes, all you need to do is pay for the initial install and be worry-free for years. This is contrary to hurricane shutters, which require you to put them up and take them down every time severe weather occurs. You also need to replace and repair equipment like hurricane shutters more often than storm windows. If your windows have suffered from inclement weather, reach out to window replacement West Palm Beach professionals for an estimate.

Reduce UV Exposure

Impact glass keeps UV rays out of your home. This means you can sit beside your window for much more extended periods without worrying about sunburn or the health of your skin. If you live in a tropical environment, you do not want to dim your natural light by using shades or window tint. Storm windows are clear and allow the maximum amount of sunlight into your home without the adverse side effects of heat and sunburns.

Lower Insurance Premiums

Since shatter-proof windows are so beneficial to protecting your home, insurance companies might reduce your monthly premiums. Although it might be more expensive to install impact-resistant windows in the short term, you can save significantly over time by investing in the protection of your home.

Storm windows not only protect your home from dangerous weather, but they also allow the most sunlight in and cut costs in the long run. Contact a professional today to learn more about the benefits of impact windows.

How We Cope with Our Credit Card Debt for Good

Paying our credit card debt was one of the financial burdens we thought we could not cope with eight years ago. 

The payment obligation was just too difficult to bear for a single-earning family like ours. 

Image by Clker-Free-Vector-Images from Pixabay

Useful Plastic Card

Initially, our credit card saved us from distress. It was beneficial to us during emergencies and when paying for our daughter’s tuition. If I remember correctly, it was the last transaction we have made using the credit card.

It was even easier to buy school supplies and grocery shopping anytime.

Our son’s hospitalization in 2004 drove us to use the credit card offered to us. It was a suitable time for us because we have spent all of our savings, including the ones saved in a time deposit account, to purchase the expensive medicine for our son to ensure his fast recovery.

With the existence of credit card(s), we felt at ease because we know we have something to fall back on in times of need.

Debt Woes  

The problem with our credit card began to affect us when we failed to pay the monthly bill in full. We have no problem paying at first because we know how to budget our finances.

But the credit card company knew nothing about your personal struggle; they would charge interest on your unpaid balance and adds that charge to your balance.

We live within our means and do not spend beyond our limit. However, the unexpected event at hubby’s company took a heavy toll on our finances. We make do with a budget enough to pay for groceries and utility bills. 

Although we have stopped using the credit card, it does not stop accumulating monthly interest. It reached a staggering amount, and there’s no way we can pay it in cash even if we apply for debt relief

Image by Augusto Ordóñez from Pixabay

Leap of Faith 

When the opportunity came, we tried our best to pay our credit card debt immediately. We wanted to start with a clean slate. We do not want this debt to be an added concern by the time our daughter enters college. 

We finally settled our credit card debt and bid goodbye to the plastic card for good. We have used it for nearly a decade. We have never applied for a new one since then. 

Simple Saving Tips

There is no guaranteed way to save money. Ours just happened out of necessity. When projects came one after another, we ensure to put our hard-earned money to good use. We purchased things based on what we need and not what we want (sometimes). 

Despite our minimum combined income, we see to it to save for the education of our son.

In two years, we hope to achieve something more secure, such as getting health and life insurance. And, eventually, save for our retirement.

Maintain Good Standing

I do not want to sound like I’m encouraging other people to get a credit card, but it might help you during an urgent situation. One thing to remember, though, is if you own a credit card, make sure to use it wisely and do not use it on impulse.

Pocket Vegetable Garden

Hubby is so excited about growing a mini vegetable garden. He started with the sili labuyo plant (chili pepper) which I bought from Halamanan sa Pasig last month. I also purchased from them three Bacularis plants which are known for their air-purifying quality.

He got inspired by the siling labuyo plant that he decided to also plant tomato seeds, spring onion stalk, more sili seeds, and later kinchay or Chinese celery.

Update: We have already picked at least eight ripened chilis. Their so small but spicy.

We’ve got tomatoes growing right here. I’m excited about this project. We’ve been planning to have our vegetable garden for so long and it is slowly being realized this year.

Update: The young onion (upper right corner) and the celery (lower right side) died. The tomatoes grew a bit.

Planting is one of the small things that made hubby and me happy these days. It’s something that eases off our stress and worries from day-to-day activities. We are not getting any younger and simple activity like this is beneficial to both our mental and emotional health

My certified plantito hubby. 😀 This batch (of the plant) will serve as a fence right outside our window to secure it from irresponsible neighbors who leave their garbage and whatnot on the sidewalk.