Saving Money at Christmas - 11 things I refuse to buy this year which -How it will save money and help my Christmas cash go further

At my core, I love to buy things. Some work out and some don't. These are the things that I refuse to ever live without again. They will always be on the re-order list. 1. Vital Proteins Collagen Powderhttps://amzn.to/46K9Zjf I have talked about this one before and will continue to sing its praises. I add this to my coffee every single morning. It helps jumpstart the morning and helps me reach my daily protein goal. 2. Mary Ruth's Organic Liposomal Multivitaminhttps://amzn.to/45Ntp5i I've done e

Today I'm sharing 10 things I refuse to buy anymore & the replacements. Some of the replacing items are below...enjoy! My Zip Up Blue Top I’m wearing in... | fashion, dress, hair conditioner

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There are ten things I absolutely refuse to buy. Sure, there are other things I don't LIKE buying, but these ten are non negotiable!

"I hate you! You're ruining my life!" Teenage theatrics — it's a fearsome thing to behold. Teenager's sense of injustice is endless. Teenagers think we're ruining their lives if we refuse to buy a $500 prom dress or make them ride the bus to school. Take away your kid's cell phone, and it's the end

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Can I Not Join an HOA? One thing that wasn’t on your list of things you wanted out of your next property is being part of an HOA. Unfortunately, you’ve found your dream home that's within an area that has a homeowners association. But can you decline when it comes to joining one of these homeowner groups? Is that even an option to begin with? There is always quite a bit of discussion online about HOA’s overall. Some people believe that the benefits of being a part of an HOA, such as the amenities you will have access to, vastly outweigh the negatives. Others feel the exact opposite. It’s understood that some owners don’t want to be a part of them for one reason or another. So if you’re looking to purchase a property with an HOA and you want to know your options, keep on reading as we investigate them further here. The 2 Types of HOA’s Over 350,000 homeowners associations within the USA oversee just under 55% of owner-occupied homes. More than 50% of the single-family homes which were made in 2018 had an H.O.A. If you’re shopping around for a much-updated home, the odds are that it’s going to be a part of one of the two types of HOA available. HOA's are also commonly found in both townhouses and condominiums. Voluntary HOAs In the chance where you bought a property in a residential area with a voluntary HOA, you don’t need to go along with it. Although, you will not be able to utilize the facilities which are available, which the HOA directly supports. You will need to pay a fee to do so on the off chance you wanted to use them. This type of HOA normally keeps up basic facilities such as clubs, tennis courts, or pools to utilize individuals. They don't mention what shading you can cover your front door in or how you should keep up the exterior or interior of your home. This type of HOAs is more desirable for those who still want additional amenities but still want freedom of how the appearance of their home should be. Since occupants can pick whether to join, deliberate HOAs can't implement their standards on nonmembers. This implies that they can't fine the property holder with the poor grass quality, for example. Voluntary HOAs tend to be less common than mandatory HOAs. Mandatory HOAs As the name does suggest, if you purchase a property in a residential area with a Mandatory HOA, you can’t decide whether or not you’d like to join. When you buy the property, you will need to sign the documents right then and there that you will follow. You will be required to follow the HOA rules and pay the fees that the homeowners association establishes. Compulsory HOAs regularly maintain basic facilities. However, they additionally have more ability to uphold agreements and limitations around your home. If you purchase a property in a local area where an obligatory HOA as of now exists, at that point, indeed, you are forced to be a part of the association. Forming an HOA The reason you may have to be a part of an HOA has to do with how these things are established in the first place. To create a mandatory HOA, the type we have just talked about, a large amount (if not all) of the landowners in the area must agree to come together to create it as well as what the rules should consist of. With new construction, the land developer can also submit a development contract that includes a mandatory HOA to the city or town's local planning office. A developer could determine that the land value and ultimately what he can sell his homes for are worth more money with an established homeowners association. Once submitted, these documents are now a part of the deal with the properties, meaning they are attached to all future purchases of the homes within the HOA area. If you buy a property on one of these lots of land, the affiliation anticipates that you should realize that it's in an HOA area and that the association rules limit you. It's important for you fully read and understand the CCRs which have been submitted. The HOA Formation Loophole If you currently live in a property and the neighborhood is assessing whether they should form an HOA, you can opt-out to join altogether. As a current property owner, you may not need to join an HOA if it was not in existence when you first bought the home. This is something you would want to consult with a qualified real estate attorney to discuss your situation. If others do not want an association formed, they should be involved in these discussions as well. Knowing if an HOA is Well Run or Not Since we’ve already gone over that, you can’t opt-out of joining a mandatory HOA if it was already in place when you bought them home. Right now, the best thing you can do is to go over the documents with your agent to see if, at the very least, things are being run properly. Is the HOA Performing Its Outlined Duties? You can see how well something is run pretty much based on first impressions, see how well the private roads are being managed, if it just snowed, how the snow been cleared for people in the area? Your real estate agent should be showing these things to you to gauge whether or not the HOA is working in the area. Ultimately, you should see if the association is doing what it set out to do. Is The H.O.A in Good Shape Financially? A very well-run HOA charges fees that adequately keep up conveniences and shared spaces; however, that also includes saving some of the money for the future. With that being said, as a buyer, you should look into the HOA's financial statements and reserve accounts to gauge just how well the HOA is doing overall. Do Other Members Fully Cooperate? Nobody needs to be at battle with their neighbors, yet in a neighborhood represented by an HOA, conflicts can get especially awful. All things considered, it's not simply a he-said, she-said circumstance. There are genuine standards and guidelines that property holders should follow, with monetary ramifications for resistance. This can be gauged by reading the association’s minutes. Buried with the accounts of hiring snow removal services or picking out the newest color of the swimming pool, you can see any complaints or disagreements that people may have with one another. This gives off an accurate representation of how well people are getting on without too much effort on your behalf. Final Thoughts on Homeowners Association's For some, living within an HOA can be their desired scenario. For others, after living in the homeowners association, they can quickly discover it was not right for them. So, before you pack your bags for moving into an HOA, you really need to think about whether you can live with the rules, the fees, and those who already reside in the community. Hopefully, our guide on what to think about before committing to an HOA has been useful.

I was thinking the other day about what we don't do or buy that helps us save money. Being frugal for so long makes it hard to see the difference.

In 2023, I'm making an effort to unplug from the capitalist matrix and not buy certain things. Here's what I refuse to spend money on.

If Disney Princesses lived in 2019 this is what they would look like

I am sharing my top money-saving secrets by revealing 10 items I consciously avoid purchasing. From small indulgences to larger expenses, I'll walk you through my thought process behind each decision, offering practical tips and insights on how you too can trim your budget and increase your savings to pursue other goals and dreams.

People love to talk about frugal purchases they make - what about purchases that AREN'T frugal but are worth every penny? Showing you what others won't

I was thinking the other day about what we don't do or buy that helps us save money. Being frugal for so long makes it hard to see the difference.

How many times in life, when we desperately need help, do we refuse to send out the S.O.S. screaming in our souls? We convince ourselves that we can do life on our own, and that those hopes we have longed for, but cannot find, must be too far out of reach. Could it be that when we could not figure out how to ask for help, we instead surrendered to the works created by our own efforts? As God’s image-bearers, we are created for community, to help and be helped, to love and be loved. It is a vulnerable position to need help, and in cultures that elevate independence over interdependence, the vulnerability required to communicate that need is even more difficult to muster. But despite our efforts to prove otherwise, there is only one person who does not need help - God who is perfect, holy, and self-sufficient. Yet the one true God chooses to exist in a trinitarian community of the Father, Son, and Holy Spirit, so when we need help, we have the community of God to ask.The how is simple—we swallow our pride and ask, but that is easier said than done. What helps us get to the “how” of asking is developing an understanding and theology of why asking for help is worth leaving our pride behind.Photo Credit: © Getty Images

Millennials Are Giving Up Many Basic Items Which Might Not Be On The Market For Much Longer

Concrete floors impart a stylish and practical element to these fabulous homes from Australian House & Garden which prove it's anything but mundane.