7 Tricks to Cut Down Your Electricity Bill

Tip 1: Pull the Plug on Appliances

Even when you’re not using appliances, they still continue to use energy. So pull the plug when you’re done with the blender, toaster, food processor, and even your television—everything except appliances that need constant power to preserve a special setting.

Tip 2: Insulate Your Outlets

Did you know that you could be losing warm (or cold) air through your electrical outlets? We placed some fireproof foam insulation under our outlet covers and switch plates, and were able to save several dollars a month on our utility bill.

Tip 3: Turn off Unused Electronics

One of the easiest ways to save money on electricity is to turn off electronics when you’re not using them. To make it easier, get a power strip like the SmartStrip, which powers down devices based on the device’s usage. For example, when you switch off your computer, the SmartStrip will cut the power to your monitor, printer, and scanner as well.

Tip 4: Use Lighter Paint

If you’re trying to decide between deep or baby blue for your walls, you should know that lighter colors of paint well help you use less energy, as they reflect the light and heat in a room better than darker hues.

Tip 5: Be a Night Owl

You may not realize that most electric companies charge more for power during the day than at night. Contact your local utility to find out whether this is the case in your area. If it is, make sure to do all your laundry, dishwashing, internet surfing, and other power-intensive tasks during off-peak hours. We noticed the difference on our electric bill, and you will, too.

Tip 6: Use Jars for Heaters

Here’s a neat trick for keeping your house warm without spending a cent in the fall and spring: Pour water into mason jars or glasses (we use cleaned-out salsa jars with their labels removed), and line them up along your windowsill. During the day, the sun will warm the water, which will gently warm any air getting through your window at night. To make the jars even more decorative, add ribbons and bows, or add food coloring to the water for some pretty windowsill reflections.

Tip 7: Watch Out for Cordless Phones

Especially if it’s an older model, your cordless phone can use a lot of electricity. Keep your energy bills down by making sure you dim the lights on the display (if possible), and by not cranking up the volume, which can force the phone’s amplifier to work twice as hard.

Get more great tips on our podcast by subscribing on iTunes or Stitcher! You can also sign up for our newsletter and follow us on Facebook for our daily tips!

Image courtesy of Shutterstock.

Source: quickanddirtytips.com

How to Financially Prepare for Post-Pandemic Life

As the dust slowly begins to settle and we observe businesses putting their action plans in place to recover, we all sit and wonder what this may look like for us. How will I recover from this? How am I going to cover these unexpected expenses? How will I increase my earning potential? Whether you’re navigating the muddy waters of being unemployed, furloughed, return to office plans or continue working remotely – we have many things to consider as time continues to quickly progress. How should we handle debt? Are there any more relief programs or funding? How can we pick up the pieces and properly recuperate what may have been lost? Use the tips below to jumpstart your journey of reclaiming your finances.

Identify your financial focuses

Over the course of this year, many financial goals that were initially set needed to be tweaked or came to a screeching halt altogether. While it would be nice if we could rectify the many financial aspirations we have for ourselves and our families all at once, it’s simply not realistic. To alleviate the impounding pressure many have had to experience for a good chunk of time this year, it’s best to identify two to three key areas of focus. Not only does narrowing your focus help direct where your efforts should lie, it removes unnecessary stress so that a plan of attack can be created and executed upon. For example, if you would like to begin rebuilding your emergency fund, savings or simply get caught up on bills and other overhead expenses – make sure the actionable steps you take align with the overarching goal. This helps create tunnel vision to execute on the goal while quieting the noise of things that can be tackled at a later time. You owe it to yourself and your finances to see these goals through to the finish line.

Revisit your budget and make adjustments as necessary

Many think of budgeting like that pesky chore you put off every single week. It’s that ‘thing’ you know needs to be done, but you always find something else to do instead. However, once it’s done – you’re always glad that you did it. Even if you have to have an adult temper tantrum, pull out the pen and paper (once again) to compare your income with expenses. Has your income increased or decreased? Are there expenses that are no longer on the list? Are there certain wants or luxuries that can be temporarily put on hold until things settle down? Take all of these factors into consideration when recalibrating your budget. Since there’s an increased amount of time indoors, are there any spending habits you’ve noticed that have been on the rise? If these questions are not easily answered, commit to reviewing the last few months of your bank statements. Do you notice more to-go food orders? An increased amount of emotional or impulsive purchases? Be honest with yourself and your habits so that you can address and make changes to healthily rebuild your finances.

Adjust debt payoff plan

If you haven’t taken the opportunity to contact your creditors – consider this as a reminder! It’s imperative you maintain an open line of communication with all lenders. These conversations can potentially lead to various options being available to assist you in your debt payoff process. Remember to keep in mind that you are not the only person experiencing financial hardship, so let pride become a thing of the past and be candid. Are there relief options during the pandemic? Are interest rates being lowered because of the current climate? If I were to miss a payment, what are the consequences? Are negative remarks being reported to the credit bureaus? Be very clear in your delivery. There are thousands and thousands of people attempting to pick up the pieces on their money journey. Take some time to check all creditor accounts for the most recent balances. From there, create (or readjust) your plan based on your personal circumstances. If it’s easier to tackle the smallest debt, shift your attention to those accounts. If catching up and restoring good standing with utilities and other overhead expenses need to be addressed first, do that. There is no right or wrong way to approach your plan; just don’t adopt the spirit of avoidance.

Monitor your credit score regularly

There’s been a huge surge in personal data being compromised due to the pandemic. To protect yourself and your credit score, be sure to obtain a copy of your credit report from at least one of the bureaus (Experian, TransUnion and Equifax) and review regularly. Normally, you are allotted one free credit report every year – however, because of the pandemic you can now request your report weekly at no cost to you until April 2021. We all know there’s a lot on all of our plates, but this can be incorporated in your weekly routine to make sure information stays accurate. During your review if there’s anything that’s false, submit a dispute and be sure to have any supporting documentation that can serve as evidence to support your claim.

Even though we don’t like to admit it, life can present a lot of challenges that we may not be fully prepared for in our ever-changing adulthood journey. This pandemic has shined a light on the areas in our lives that can use some more time, intention and attention. Instead of beating ourselves up about the lack of preparedness, let’s be sure to make adjustments now so no matter what happens with the economy or the state of this country it does not have such a huge, negative impact to our financial goals. Let’s face it – even in the midst of tragedy, this year equipped us with a different level of endurance and resilience. It reminded us what really matters and where our energy should really be dedicated to. Start where you are and do what you can. Refrain from comparing your personal money story to someone else’s. We all have unique situations and obligations that influence our saving and spending plans. Dust yourself off, grant yourself grace and begin a new chapter in your financial journey.

 

The post How to Financially Prepare for Post-Pandemic Life appeared first on MintLife Blog.

Source: mint.intuit.com

100 Birthday Freebies ~~ Celebrate WIth Free Stuff in 2021!

Be sure to check out our Swagbucks review for how to get the most out of Swagbucks.

Receive a free cupcake (make that a baker’s dozen if you’re a Red Velvet tier member) for your birthday when you join Sprinkles Perks.
Get a BOGO breakfast, brunch or lunch for your birthday as a member of the Sun EClub.
Subscribe to Club Cinnabon to get a free iced coffee on your birthday and a free order of BonBites for signing up.

100 Places to Get Birthday Freebies

Members of the MyPerkins Club receive a free Magnificent Seven meal on their birthdays. The meal includes two eggs, any way you like, plus two smoked bacon strips and three buttermilk pancakes. Plus you’ll get a 20% off coupon for signing up. You will also be able to add your children ages 12 and under so they can get birthday rewards, too.

A&W All American Food

Become a Flathead and receive a free dessert for your birthday. You’ll also get a free Tijuana Trio when you sign up.

ABC Liquor

Sign up for Club Baja to get a “special offer” on your birthday.

AMC Theatres

Get a free meal on your birthday when you join the bd’s Rewards eClub, plus get a coupon just for signing up.

Anthropologie

Get a free root beer float on your birthday by joining the Mug Club.

Applebee’s

Enjoy a free sundae on your birthday when you sign up for MyCulver’s. You’ll also get a BOGO value basket when you sign up.

Arby’s

So get busy now and enjoy the free birthday stuff as it rolls in on your big day.

Au Bon Pain

Join the Nothing Bundt Cakes eClub and get a free Bundtlet on your birthday.

Auntie Anne’s

My Best Buy members get a “birthday gift.”

Aveda

Opt into the Birthday Club when you subscribe to Old Navy’s emails to get a “free birthday gift.”

Baja Fresh

Sign up for the Pita Pit Rewards Club and receive a free pita on your birthday.

bareMinerals

Join the Chipotle rewards program to get free chips and guacamole on your birthday when you make a purchase of or more. When you sign up and make your first purchase, you’ll also get free chips and a choice of guacamole, queso blanco or salsa.

Baskin Robbins

When you become a BFF Club member, you’ll receive a free birthday sundae.

Banana Republic

Hooray! It’s your birthday!

bd’s Mongolian Grill

Famously You Rewards members get a birthday cash reward.

Benihana’s

Join the Prime Club to get a free steak dinner on your first birthday as a member.

Best Buy

Members of the Kohl’s Rewards program get a “special birthday gift.”

Big Boy

Sign up for Firehouse Rewards for a free medium sub on your birthday or in the six days that follow it.

BJ’s Brewhouse

Register for the Chef’s Table, and you’ll get a birthday certificate.

Black Angus Steakhouse

Sign up for the Zax Club and get a free Big Zax Snak on your birthday, plus a free sandwich meal for signing up.

Bojangles’

You’ll receive a free pasta after signing up, as well as a birthday gift for joining the eClub.

Bruegger’s Bagels

Joining the I Love Big Boy email club gets you a free meal on your birthday.

Buca di Beppo

As a member of the Anthro Loyalty program, you will get a “special treat to celebrate your birthday.”

The sign of Buffalo Wild Wings is photographed.

Buffalo Wild Wings

Get a complimentary dessert on your birthday by signing up for the eClub. You’ll get a free dessert or appetizer when you sign up.

Carvel

Sign up for Blazin’ Rewards to get free birthday wings during your birth month.

Chevys Fresh Mex

Join the eClub, and get off the purchase of two entrees, plus two free slices of pie, the choice of a free “Marie’s Magnificent Six” or a free slice of pie with the purchase of an entree on your birthday. You’ll also get a special dine-in offer for signing up. The company also sends special offers for your wedding anniversary and allows you to add family members so they can get birthday rewards.

Chick-fil-A

Enjoy a “birthday surprise” when you sign up for the My Red Lobster Rewards program.

Chili’s

Krispy Kreme Rewards members receive a free Original Glazed Dozen. You’ll also get a free doughnut when you sign up.

Chipotle

Be sure to join Habit Burger Grill’s CharClub to enjoy a free Charburger on your birthday.

Cinnabon

Sign up for TCBY emails, and receive your first 3 ounces free on your birthday.

Cold Stone Creamery

Sign up for ABC Liquor Access to get a “birthday gift.”

Columbia

Join the POP! (Perfectly Organized Perks) program to get a birthday gift.

Container Store

As a member of the ExtraCare Beauty Club, you’ll get “birthday gifts with beauty surprises,” as well as 10% off for joining.

Culver’s

These restaurants and retailers will provide you with free treats for your birthday. Be sure to sign up in advance.

The exterior of a CVS is photographed in Florida.

CVS Pharmacy

Register for the Red Robin Royalty Program, and get a free birthday burger.

Del Taco

Sign up for MyHop and get free pancakes on your birthday. You’ll also get free pancakes on the anniversary of your sign-up.

Denny’s

Most of these places require you to sign up for their email list or join their rewards club at least seven days before your birthday.

Designer Shoe Warehouse (DSW)

Get 10 free boneless birthday wings when you sign up for Hootclub. You’ll also get off your first purchase of or more when you sign up.

Dippin’ Dots

When you sign up to receive Banana Republic’s emails, you can opt to also get a “birthday gift.”

Dunkin’ Donuts

As a birthday reward, “you’ll receive a Swag Up for a 55 SB credit when you redeem your next gift card.”

Edible Arrangements

Members of the eClub get a free entree on their birthday, as well as a free appetizer for signing up.

Einstein Bros. Bagels

Sign up for the Friends and Benefits loyalty program to get “birthday gifts.”

Famous Dave’s

Receive a birthday gift when you sign up for JCPenney Rewards. If you are not a JCPenney credit card member, you must have earned points within the last 21 months.

Famous Footwear

As a member of So Connected, you’ll get a choice of a free burger or a free garden bar entree on your birthday. You’ll also get a free appetizer for signing up.

Firehouse Subs

Get a free birthday sub when you sign up for the email club.

First Watch

Join Fudgie Fanatics to receive a free treat for your birthday. You can get a small soft serve birthday cone, take off any cake (except for a small square) or take off any sheet cake.

Friendly’s

Members of the Bruegger’s Bagels eClub will enjoy a “free treat” on their birthday, as well as a free bagel and cream cheese just for signing up.

Godiva

Members of Club Fondue will get a “birthday voucher.”

Habit Burger Grill

As a member of the Godiva Rewards Club, you’ll get a free birthday chocolate offer every year.

Harkins Theatres

Sign up for the email club, and get off when you spend at least . You’ll also get a free appetizer when you sign up.

Hard Rock

Get free Dippin’ Dots for your birthday when you join the Dot Crazy! Email Club.

Hooters

Join Chick-fil-A One to get a “birthday reward.”

Houlihan’s Restaurant and Bar

Get a BOGO coupon for your birthday by signing up for the My Cold Stone Club. You’ll also get a BOGO coupon just for signing up!

IHOP

Source: thepennyhoarder.com

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

J. Crew Factory

If you’re a Raving Fan eClub member, you can enjoy a regular-size premium shake for your birthday, plus you’ll get two free grilled chicken tacos when you sign up.

JCPenney

Sign up for Redbox Perks and receive a free birthday rental (it must be used within 60 days). You’ll also get a free one-night rental for signing up (that offer is valid for two weeks).

A woman smiles as she holds up a drink and a sub she got for free from Jersey Mike's Subs.

Jersey Mike’s Subs

Download the Uniqlo app to get a birthday coupon during your birthday month.

Kendra Scott

Join the Uno Insider’s Club, and receive a free dessert on your birthday, as well as a free appetizer with an entree purchase when you join.

Kohl’s

Beauty Insiders are eligible to choose a free makeup or skin care gift for their birthday.

Krispy Kreme

Download the Tropical Smoothie Cafe app to be eligible for a birthday reward. What you get depends on your loyalty tier, but it ranges from a reward to a free menu item.

Longhorn Steakhouse

Become a member of the Slice Society to get a birthday surprise. You’ll also get a free New York slice when you buy a beverage after signing up.

Marie Callender’s

Get a free dessert for your birthday when you join My Chili’s Rewards Club, plus get free chips and salsa or a non-alcoholic beverage with every visit!

Moe’s Southwest Grill

Create an account, join the Birthday Club, and get a free scoop of ice cream on your birthday.

Nothing Bundt Cakes

You need to spend to join Aveda’s loyalty rewards program, but you’ll receive a birthday gift valued at , as well as double points for your next Aveda purchase.

Old Navy

Join the Famous Nation and get a free dessert with a value of up to .00 for your birthday.

Olive Garden

Join the Planet Smoothie Club and receive a free smoothie for your birthday.

On the Border

Get a free Italian ice on your birthday when you download Rita’s Ice App.

Pandora

Sign up for the email club and you’ll get a free appetizer or a sidekick of ribs on your birthday.

Pei Wei

When you sign up for Factory First, you’ll get an extra 20% off and free shipping on your birthday. You’ll also get an extra 15% off your first purchase after signing up.

Perkins

Join Premier Rewards Plus and get a free Pizookie for your birthday. What’s that? It’s a big, warm cookie smothered in ice cream… yum. What’s even better is you don’t have to wait for your birthday – you’ll also get a free Pizookie just for signing up.

Pinkberry

Join Club Cantina and get free queso on your birthday, and just for signing up.

Pita Pit

Sign up for the email club, and get a free dessert on your birthday.

Pizza Hut

Sign up for a Pinkcard or download the app, and receive a free yogurt on your birthday.

Planet Smoothie

Make sure you’re a member of the Waffle House Regulars Club to receive a free waffle on your birthday. You’ll also get free hashbrowns when you sign up.

A person selects a movie from a red box.

Redbox

Join the Eclub, and get a free coffee and pastry on your birthday. You’ll also get a travel mug and daily discounts on coffee just for signing up.

Red Lobster

Sign up for My Wei Rewards and choose from these birthday freebies: crab wontons, traditional edamame, vegetable spring rolls or pork egg roll. The reward will automatically appear in your app seven days prior to your birthday.

Red Robin

Sign up for Hard Rock Rewards to get an “annual birthday offer” from the cafe and shops.

Rita’s

Email club members get a free birthday entree, plus off just for joining.

Romano’s Macaroni Grill

Join the Wiener Lovers’ Club, and get a free coupon each year on your birthday, plus a free chili dog for joining.

Ruby Tuesday

Join the free DSW VIP Club to get a birthday reward. You’ll also get on your birthday if you spend 0 annually as a VIP Gold member, and you’ll get if you spend 0 annually as a VIP Elite member.

Sephora

Sign up for Arby’s emails and get a free milkshake and curly fries on your birthday when you buy any sandwich. You’ll also get a free small fries and small soft drink when you sign up.

Sbarro

Join the Warehouse Club, and get a free meal on your birthday, plus a free appetizer with an entree purchase for becoming a member of the club.

Sonny’s BBQ

Download the Pretzel Perks app, and get a free pretzel on your birthday.

Sprinkles

Join the YOMO Club, and get free yogurt on your birthday.

Iced coffees from Starbucks sit on a table outside.

Starbucks

As a member of the Longhorn Steakhouse’s eClub, you’ll get “special offers and coupons” on your birthday. You’ll also get a free appetizer when you sign up.

Subway

Sign up for the Subway MyWay Rewards program and the sandwich-making company will give you “something special” on your birthday.

Swagbucks

Get a free egg sandwich with a purchase on your birthday when you join the Shmear Society — not totally free, but hey, you’ll need something to help wash that sandwich down. You’ll have 14 days to claim your reward.

Pro Tip
Get a free beverage on your birthday by signing up for the DD Perks Rewards Program.

TCBY

As an Ultamate Rewards member, you’ll get an offer for extra bonus points on all purchases during your birthday month.

Texas Roadhouse

Sign up for Rockin’ Rewards and get a coupon for a free birthday burrito, plus a free cup of queso just for signing up.

FROM THE SAVE MONEY FORUM

The Melting Pot

Kendra Scott offers a 50% birthday discount on one fashion jewelry or color bar item. It also offers a 25% discount on fine jewelry, sterling silver jewelry or gold vermeil jewelry. You can also get 25% off a home goods item. Find out more information here.

The Spaghetti Warehouse

Sign up for My Harkins Rewards and receive a birthday coupon to use at the concessions.

Tijuana Flats

Challenge yourself to score as many birthday freebies as possible and make the celebration — and savings — last all month!

Tropical Smoothie Cafe

Join the Hut Rewards program to get a “birthday reward.”

Ulta Beauty

Become an AMC Stubs Insider to get a free large popcorn during your birthday month. If you’re a Premiere or A-List member, you’ll also get a free large fountain drink.

Uniqlo

Members of the Greater Rewards program get a “birthday gift” in addition to a welcome gift from the sportswear and outdoor gear retailer.

Uno Pizzeria & Grill

Join Edible Rewards and receive a free 12-count chocolate dipped fruit box (valued at .99) during your birthday month. You’ll also get a coupon for signing up (valid for 30 days).

Waffle House

The last thing you should do is pay for stuff. So we’ve put together a list of 100 places where you can get birthday freebies, updated for 2021.

Wienerschnitzel

Members of World Market Rewards get a “surprise offer” on their birthday, plus a 15% coupon for signing up.

World Market

Members of the Pandora Club get a 15% discount during their birthday month. This offer can only be used one time and is valid on regular-priced jewelry only.

Yogurt Mountain

Get a birthday beverage or food item as a member of Starbucks Rewards.

Zaxby’s

Sign up for Denny’s Rewards program online or via the mobile app. You’ll get 20% off your next visit, plus a free stack of buttermilk pancakes on your birthday when you order online at Dennys.com.

Who doesn’t love getting something for nothing? Visit The Penny Hoarder Shop to see what freebies are available.

Get a free Bo-Berry Biscuit with a purchase on your birthday as a member of the Bojangles’ eClub.
Get a free Big Deal Combo meal on your big day by joining the ‘Q Crew, plus a coupon just for joining.

Disaster Safety for the Apartment Renter

Home can feel like one of the safest places in the world, but dangerous and even deadly disasters such as earthquakes, floods and storms can threaten that safety.

When disaster strikes, being prepared is crucial to your survival. For apartment-dwellers, it’s critical that they understand how their apartment could be at risk during common disasters and what they or the community’s management should do to prepare.

Floods

Apartment living doesn’t make one safe from the threat of floods and the damage that they do. Often, flooding is caused by leaks, such as those from malfunctioning appliances or faulty pipes, but it can also be caused by natural causes, such as hurricanes and prolonged rain.

Water from flooding can damage both personal belongings, such as furniture and electronics, and the apartment itself. Mold and structural damage to flooring and walls are some of the common problems that come from flooding.

To protect your valuables, get flood insurance in addition to renters insurance. This type of insurance will cover damage caused by flooding, where renters insurance alone may not.

Another important step in protecting your valuables is to place items that can be destroyed by water in a location that’s high enough to be out of the way of rising water in the event of a flood. These types of items should be moved off the ground and away from areas, such as bathrooms that may flood accidentally.

Residents living in flood zones should ask apartment management about sandbags during heavy rainfall, which can prevent outside water from reaching ground-level apartments. Unplug electrical items if the apartment begins to flood during a storm, and if possible, vacate the premises.

flooding

Hurricanes

In a hurricane, people living in an apartment face damage from heavy rain and winds that can be as strong as 155 mph. This may result in windows breaking and damage to the apartment’s roof. Flooding from rain creates another concern during hurricanes.

To protect the apartment, bring in any patio/balcony furniture that high winds may toss against windows. Board up windows and sliding doors, and ask the apartment management if they’ll provide the necessary materials.

People who live on upper floors should shelter in apartments at lower levels when possible. Regardless of where the unit is located, stay toward the center in a room with no windows. Closets and bathrooms are good spots within an apartment to seek shelter. Keep a battery-operated radio on, and evacuate if instructed to do so.

Renters, particularly those who live in hurricane zones, should also verify that they’re covered with hurricane insurance.

hurricane

Tornado

Tornadoes are highly destructive, with winds that reach as high as 300 m.p.h. This can lift objects like trees from the ground and the roof off of a building. Damage to an apartment may include harm to walls and windows from outside projectiles and roof damage that ranges from mild to ripped off entirely.

The first step of protecting your apartment and yourself is to purchase an insurance policy that covers tornado damage. This is crucial for individuals living in areas that are at high risk for tornadoes.

To reduce the risk of projectiles, remove furniture from the patio or balcony. Speak with management about securing or removing items that can be lifted by high winds. The management should also trim branches in the complex that may break and fly through the air. Individuals living in high-risk areas should also talk with the management about the installation of storm shutters.

During a tornado, apartment residents generally don’t have a basement to shelter in. Instead, they should avoid windows and go to an apartment or room on the lowest floor, if possible. The room you choose to take shelter in should be near the center of the apartment. If staying in a bathroom, get into the bathtub. Wherever you go, covering your head and neck or wearing a helmet can help to prevent injury.

tornado

Earthquakes

When the violent shaking of an earthquake hits, it can cause more than just serious injury — it may also damage the structural integrity of an apartment. This could include cracks in walls, the ceiling or the foundation itself, should it shift during the quake. Earthquakes may also shatter or crack windows in the apartment.

Steps that you can take beforehand include anchoring heavy or breakable items that may fall or be flung around, such as mirrors, TVs and heavy and tall furniture like bookshelves. These items should be anchored to the floor or the wall.

Breakable or heavy items that can’t be anchored should be kept on lower shelves and never stacked. You should also check your renters insurance policy to ensure you’re covered for earthquake damage.

During an earthquake, renters should move away from mirrors or windows that may shatter and cut them. Ideally, they should find a sturdy desk or table to seek shelter under. Once under shelter, covering the back of the head and neck with one’s arms can help prevent serious injury.

If there are no objects to duck under, crouch against a wall inside of the apartment, protecting the head and neck. Stay indoors and under shelter until the shaking stops completely. Avoid going down apartment stairs during the quake and avoid elevators.

earthquake

Emergency preparedness

Before a crisis strikes, create an evacuation plan for when leaving the home is advised. Everyone living in the home should know what the plan is and have practiced it.

When creating an evacuation plan, families should have locations in mind where they can stay. Often, evacuated people will stay in a public shelter, or one can make plans to stay at the home of a friend or family member if the need arises.

Hotels and motels are options, but if evacuating with a pet, be sure to find out where pet-friendly hotels are located. Because families must also have a way to contact each other, every family member should have a list of phone numbers that are kept in a wallet or purse, including the number of an out-of-town friend.

Putting together an emergency supply kit is another universal and necessary step when preparing for potential disasters. An effective supply kit contains items that are crucial to a person or family’s survival following a disaster like a first aid kit, batteries, a flashlight and a battery-powered radio.

The emergency kit should also include enough nonperishable food for at least three days and a gallon of water per person per day. Also, pack important documents and an extra supply of medications in a waterproof bag.

Additional resources

  • Tornado Safety Tips for Apartments
  • Hurricane Preparedness for Apartment Dwellers
  • Tornado Safety Checklist (PDF)
  • Tornado Safety
  • What to Do During a Tornado Event
  • Where Is the Safest Place in a High-Rise Apartment During a Tornado?
  • Get Ready for a Major Earthquake. What to Do Before and During a Big One
  • Tips for Tenants
  • Here’s What to Keep at Home in an Emergency Supply Kit
  • Emergency Preparedness: Make a Plan
  • Family, Health, and Safety Preparation
  • Putting Together Your Emergency Supply Kit
  • Disaster Preparedness Guide for Seniors and Caregivers
  • Emergency Preparedness Checklist (PDF)
  • Build Your Own Pet Emergency Kit
  • Disaster Preparedness: A Checklist (PDF)
  • These Are the Best Foods to Stockpile for an Emergency
  • Checklist for Disaster Preparedness (PDF)
  • Preparedness Guide for Disasters and Emergencies: Personal Preparedness (PDF)
  • Floods and Flash Floods
  • How to Prepare for Hurricane Season
  • Seven Tips for Hurricane Preparedness
  • Hurricane Preparedness Tip

The post Disaster Safety for the Apartment Renter appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Best Meal Prep Resources To Use (For Meal Prep Ideas And Meal Planning Help)

Meal prepping can help you save time, money, and help you to eat healthy along the way. Here’s a list of the best meal prep resources to use this year!

The post Best Meal Prep Resources To Use (For Meal Prep Ideas And Meal Planning Help) appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Source: biblemoneymatters.com

How to Host a Money Stress Free Thanksgiving

From the Mint team: Mint may be compensated by some of the links that appear in this article. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting.  Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.

Thanksgiving is the start of the holiday season. It’s the countdown to Christmas, the first real family gathering since Easter or Fourth of July. For some people, it’s the only time they see their families. For many of us, it’s a wonderful time to celebrate gratitude and to be surrounded by the people you love most.

For others, it’s a stressful, labor-intensive, marathon that only ends when your last uncle leaves. In many instances, the end of Thanksgiving is the best part.

That’s not the only problem. Hosting Thanksgiving is a huge financial endeavor. Feeding a dozen people (or more) can be a huge strain, especially on top of other holiday expenses.

But this year can be different. This year, you’ll be composed, organized and dare I say it, even frugal. This year you’ll actually be glad for Thanksgiving. Want to learn how? Read on.

Ask for More Help

It’s not uncommon if you’re hosting Thanksgiving to take on all the work yourself. Especially if you’re a young adult, hosting your first Thanksgiving is a sign that you’re a real grown-up.

Paying for a Thanksgiving meal for a dozen people can add up quickly and sometimes there’s no reason why you should take on the burden by yourself. Ask everyone who’s coming to bring a side dish while you take on the responsibility of cooking the turkey. If you delegate sides appropriately, you can end up with a meal that not only costs less but is less time-intensive.

If you feel odd about asking people to pitch in, don’t. Almost everyone is happy to help, especially if it means they get to decide how they want to make the stuffing.

Choose Chicken

Buying a turkey on Thanksgiving is a quintessential tradition, but it can also be a costly one. A whole turkey can cost $1.50 per pound compared to the average whole chicken which can be less than $1 per pound.

If your friends and family aren’t die-hard traditionalists, you can probably get away with serving the latter bird. If you really plan ahead you can find a chicken on sale so you spend even less.

If you still want to do a turkey, buy one pound of turkey per guest instead of 1.5-2 pounds. You don’t need to have a ton of turkey leftovers, especially since it’s so expensive.

Aim for Fewer Leftovers

Sometimes there’s nothing better than a meal of Thanksgiving leftovers the next day. I love to pick out my favorites and make a smorgasbord sandwich out of them. But if you’re not careful you might end up with too many leftovers that you can’t use up before they go bad. If this has always been the case, then aim to cut back and have as little remaining as possible. When you do have leftovers, freeze a few so they don’t go bad.

You can freeze anything from cranberry sauce to stuffing to turkey. Dairy items sometimes lose consistency in the freezing process, but it’s still worth trying. When you do freezer meals remember to label them and put them in the freezer right away you won’t forget.

Watch Where You Buy Groceries

It’s always important to comparison shop your groceries, but it’s never more important than on a big holiday. Every store will have its own specials and deals and you might be surprised where you find the best option. My husband and I have recently been shopping a lot at Aldi, a chain more popular in the south in the Midwest. It’s a grocery store without a lot of extra frills so you can find deals way better than any of the other national brands.

We’ve also discovered the secret of ethnic grocery stores where produce prices are often 50% of what I see in my neighborhood grocery store. Before buying your Thanksgiving fixings, check out those stores to see if what you need is cheaper. Remember no one cares if you’re buying generic marshmallows for your sweet potato casserole. They just care that you follow Grandma’s recipe.

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Simplify your Meals

If you’re like me, you probably have a variety of picky eaters in your family. Some people are vegan, some are vegetarian and some are changing their diet every week.

That can make it tempting to make a few different kinds of the same meal to please everyone, but making green bean casserole for your Whole30 aunt and a version for everyone else just isn’t cost-efficient. Take everyone’s diet into account and find a version that will suit everyone instead of making slightly different ones. You don’t need to be like Monica from Friends making three different kinds of mashed potatoes so Ross, Phoebe, and Joey will all be happy.

Use Easy Decorations

Everyone wants the Martha Stewart-Thanksgiving centerpiece, but few of us are that crafty. Instead, use squash in a decorative bowl as your centerpiece. It’ll look more natural and minimalist. Plus you won’t have to throw away the decor when the meal’s over.

If you have little cousins you can also enlist them to make pretty decorations before the meal gets started. If you do decide to buy decorations, make sure you store them properly so they can be used next year too.

Skip the Fancy Dinnerware

I’m one of those millennials who skipped the traditional bridal registry in favor of a honeymoon fund so I never got a ceramic gravy boat or silver platter when I got married. That means that when I host people I put chips in a mixing bowl and leave the dip in the package it came in. So far I’ve found that none of my guests care how I’m serving the food as long as it’s good.

Your Thanksgiving family and friends won’t mind either. Don’t feel like you have to rush out to get serveware that matches. If you truly don’t have a large enough platter head to Goodwill or a thrift store where you can find all those items for just a few dollars.

The post How to Host a Money Stress Free Thanksgiving appeared first on MintLife Blog.

Source: mint.intuit.com

Mint Money Audit: Managing Money When You Make Enough

Anna’s email requesting help with her finances began with a unique confession.

“Farnoosh, my money problem garners little sympathy,” the 32-year-old wrote. “My issue is that I make too much of it.”

Now, THIS is interesting, I thought. I immediately followed up with many questions.

Here’s what I learned through our conversation:

The Denver-based Mint user earns $220,000 per year as an engineer. Anna’s also benefited from years of big bonuses and her net worth, not including her home equity, is close to a million dollars.

After paying taxes and health benefits and maxing out her 401(k), Anna takes home between $8,000 and $10,000 each month. Her expenses mainly consist of a $1,200 mortgage payment, car insurance, gas, food and utilities, amounting to maybe a few thousand dollars per month.

The rest either goes into savings where she stashes about $5,000 to $10,000 for unexpected expenses or into a brokerage account where she has roughly $800,000 invested. A wealth management firm manages that portfolio and charges, she says, an annual 1% fee.

Anna has no consumer debt, besides her mortgage, which amounts to about $338,000. It’s a 30-year fixed rate loan with a 2.85% interest rate. The home has appreciated in recent years with about $100,000 in equity (including Anna’s initial 20% down payment).

So, what is the problem, exactly?

“My big worry is that I don’t have the habits to manage money well,” Anna told me. Her sizeable bank balance has her feeling financially free, although she worries about getting carried away with spending sometimes.

“When I see money in my bank account I rationalize that ‘yea, that vacation is doable. I don’t hold back on the things that may seem frivolous,’” she says. But It seems she wants more financial grounding and to be able to evaluate expenditures and price tags more critically.

Anna’s situation may be unique, but I think relatable in the sense that we all would like to feel more thoughtful with how we spend, save and invest. And while some may do well with earning money, it should not be assumed that they can also manage that money well.

I applaud Anna for wanting to be sure that, even with an impressive net worth, she is actually making wise financial decisions.

Here’s my advice.

Take a Deep Breath

No need to panic when spending on things and experiences that you enjoy. From what I can tell Anna’s prioritizing the serious financial stuff first like contributing the max to her 401(k) and saving all of her annual bonuses in a brokerage account. She has no credit card debt and pays all her bills on time. That’s terrific.

Sometimes we just want to hear that we’re on the right track with our money and I have a very simple way to measure this:

If you manage each paycheck by saving, investing and paying all your bills first, then by all means, you’re entitled to have fun with whatever is left without any fear or regret. Am I right?

If you’ve done the good work of taking care of your future with your money, then don’t hesitate treating yourself and others with the remaining funds today. Splurge away and enjoy your hard-earned money. And remember to enjoy the moment.

Ditch Your Money Managers

I do think Anna could find a better home for her investments.

Paying one percent of her managed assets to this firm may not seem that high of an annual fee. But when you think about Anna’s balance of $800,000, that’s $8,000 this year. What about next year and the decades after that as she contributes more to the account? That fee, compounded over the next 30 years, will amount to – conservatively – over one million dollars. Ouch.

That doesn’t even factor in the expense ratios for each mutual fund that’s in her portfolio.

If all Anna seeks is investment assistance, she may be better suited stationing her money with an automated wealth platform or robo-advisor where her money is largely invested in low-fee index funds or exchange-traded funds (ETF) and the portfolio management fee is typically 0.50% or less.

Of course, breaking up with your financial advisor is not always so simple. It’s especially hard for Anna, as she equated her money managers to “father figures.”

If I were Anna, I would just explain to my advisors over email something like, “I want be more conservative with my money and that includes being extra mindful of the various fees that I’m paying. To that end, I’ve decided to manage my money more independently. I’m sure you can understand. I appreciate your help over the years. Please let me know next steps.”

Planners know the drill and are used to having clients end relationships.  Stay strong. Nobody can really argue with the fact that saving money is a good thing!

Establish Short and Long Term Goals

Anna wants to spend and save with more conviction. I think having some concrete, tangible goals can help.

For example, she shared that she’d like to get married, have a family and own two homes – one near her office downtown and another in the mountains as a getaway.

So, the next step is to understand what these goals cost. What are, say, the going prices on a vacation home in her state? How much might she want to stash in a separate account for the future down payment on this property? Knowing the underlying costs of her goals can better direct how much to spend elsewhere.

Next time she’s planning a vacation, she may be more inclined to price compare or hunt down better deals, as opposed to just judge whether the trip is financially “doable” by the amount of money in her bank account. Now she’ll have the image of that second home and its costs and will make a more informed choice.

Contribute to a Cause

Last but not least, when you feel you make more than enough, like Anna does, this is a great opportunity to be extra charitable. If she’s seeking a way to give her money more meaning and feel purposeful in her financial life, this is a truly wonderful way to go about it. Discover a cause that you’re passionate about and make an impact as a volunteer and donor.

Have a question for Farnoosh? You can submit your questions via Twitter @Farnoosh, Facebook or email at farnoosh@farnoosh.tv (please note “Mint Blog” in the subject line).

Farnoosh Torabi is America’s leading personal finance authority hooked on helping Americans live their richest, happiest lives. From her early days reporting for Money Magazine to now hosting a primetime series on CNBC and writing monthly for O, The Oprah Magazine, she’s become our favorite go-to money expert and friend.

The post Mint Money Audit: Managing Money When You Make Enough appeared first on MintLife Blog.

Source: mint.intuit.com

Affording a Second Child: How to Make Your Budget Work

Having kids is anything but cheap. According to the USDA, families can expect to spend an average of $233,610 raising a child born in 2015 through age 17—and that’s not including the cost of college. The cost of raising a child has also increased since your parents were budgeting for kids. Between 2000 and 2010, for example, the cost of having children increased by 40 percent.

If you’ve had your first child, you understand—from diapers to day care to future extracurricular activities, you know how it all adds up. You’ve already learned how to adjust your budget for baby number one. How hard can it be repeating the process a second time?

While you may feel like a parenting pro, overlooking tips to prepare financially for a second child could be bad news for your bank account. Fortunately, affording a second child is more than doable with the right planning.

If your family is about to expand, consider these budgeting tips for a second child:

1. Think twice about upsizing

When asking yourself, “Can I afford to have a second child?”, consider whether your current home and car can accommodate your growing family.

Think twice about upsizing your car or house if you're concerned about affording a second child.

Kimberly Palmer, personal finance expert at NerdWallet, says sharing bedrooms can be a major money-saver if you’re considering tips to prepare financially for a second child. Sharing might not be an option, however, if a second child would make an already small space feel even more cramped. Running the numbers through a mortgage affordability calculator can give you an idea of how much a bigger home might cost.

Swapping your current car out for something larger may also be on your mind if traveling with kids means doubling up on car seats and stowing a stroller and diaper bag onboard. But upgrading could mean adding an expensive car payment into your budget.

“Parents should first decide how much they can afford to spend on a car,” Palmer says.

Buying used can help stretch your budget when you’re trying to afford a second child—but don’t cut corners on cost if it means sacrificing the safety features you want.

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Families can expect to spend an average of $233,610 raising a child born in 2015 through age 17—and that’s not including the cost of college.

– USDA

2. Be frugal about baby gear

It’s tempting to go out and buy all-new items for a second baby, but you may want to resist the urge. Palmer’s tips to prepare financially for a second child include reusing as much as you can from your first child. That might include clothes, furniture, blankets and toys.

Being frugal with family expenses can even extend past your own closet.

“If you live in a neighborhood with many children, you’ll often find other families giving away gently used items for free,” Palmer says. You may also want to scope out consignment shops and thrift stores for baby items, as well as online marketplaces and community forums. But similar to buying a used car, keep safety first when you’re using this budgeting tip for a second child.

“It’s important to check for recalls on items like strollers and cribs,” Palmer says. “You also want to make sure you have an up-to-date car seat that hasn’t been in any vehicle crashes.”

3. Weigh your childcare options

You may already realize how expensive day care can be for just one child, but that doesn’t mean affording a second child will be impossible.

A tip to prepare financially for a second child is to weigh your childcare options.

Michael Gerstman, chartered financial consultant and CEO of Gerstman Financial Group, LLC in Fort Lauderdale, Florida, says parents should think about the trade-off between both parents working if it means paying more for daycare. If one parent’s income is going solely toward childcare, for example, it could make more sense for that parent to stay at home.

Even if this budgeting tip for a second child is appealing, you’ll also want to think about whether taking time away from work to care for kids could make it difficult to get ahead later in your career, Palmer adds.

“If you stay home with your child, then you’re also potentially sacrificing future earnings,” she says.

4. Watch out for sneaky expenses

There are two major budgeting tips for a second child that can sometimes be overlooked: review grocery and utility costs.

If you’re buying formula or other grocery items for a newborn, that can quickly add to your grocery budget. That grocery budget may continue to grow as your second child does and transitions to solid food. Having a new baby could also mean bigger utility bills if you’re doing laundry more often or running more air conditioning or heat to accommodate your family spending more time indoors with the little one.

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Gerstman recommends using a budgeting app as a tip to prepare financially for a second child because it can help you plan and track your spending. If possible, start tracking expenses before the baby arrives. You can anticipate how these may change once you welcome home baby number two, especially since you’ve already seen how your expenses increased with your first child. Then, compare that estimate to what you’re actually spending after the baby is born to see what may be costing you more (or less) than you thought each month. You can then start reworking your budget to reflect your new reality and help you afford a second child.

5. Prioritize financial goals in your new budget

Most tips to prepare financially for a second child focus on spending, but don’t neglect creating line items for saving in your budget.

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“An emergency fund is essential for a family,” Palmer says. “You want to make sure you can cover your bills even in the event of a job loss or unexpected expense.”

Paying off debt and saving for retirement should also be on your radar. You might even be thinking about starting to save for your children’s college.

Try your best to keep your own future in mind alongside your children’s. While it feels natural to put your children’s needs first, remember that your needs are also your family’s—and taking care of your future means taking care of theirs, too.

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“Putting money aside when you’re expecting can help offset the sticker shock that comes with a new member of the family.”

– Kimberly Palmer, personal finance expert at NerdWallet

The key to affording a second child

Remember, the earlier you begin planning, the easier affording a second child can be.

“Putting money aside when you’re expecting can help offset the sticker shock that comes with a new member of the family,” Palmer says. Plus, the more you plan ahead, the more time you’ll have to create priceless memories with your growing family.

The post Affording a Second Child: How to Make Your Budget Work appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

How to Work from Home While Schooling Your Kids

Parents all over the United States have had to make lofty and quick adjustments due to the pandemic erupting the daily routines many of us haven’t had to change in quite a while. Feelings of overwhelm, exhaustion, and sheer confusion have consumed many; leaving the evergreen thoughts about how to best accommodate our children while simultaneously completing remote work effectively. If you have been struggling with finding a balance or could use some extra pointers to smooth out this process; see the tips below and breathe a little easier knowing there’s additional help available. 

Wake up at least an hour earlier 

I know, this is probably the last thing you wanted to hear fresh out of the gate. However, take this into consideration – you can use this uninterrupted time to knock out some tasks, enjoy your cup of coffee or breakfast before the day truly begins. Rushing (especially in the mornings) tends to set a precedence for the day, causing your mind and body to believe that a pace of hurriedness is expected; generating feelings of burnout very easily. Crankiness, low engagement, and minimal productivity doesn’t serve you, your work, or your children well. Use this solo time to still your thoughts so you are able to be fully present for all things the day holds. While this may take some time to get used to initially, you’ll thank yourself when you have the energy to handle any and everything! 

Set and abide by a clear routine 

Comparing your child’s school schedule in conjunction with your personal work obligations very clearly can showcase what needs to get done and when. Reviewing this every evening beforehand or once a week with your children creates new, positive habits that become easier to follow over time. Not only does this mimic physical in-school setting, but it also generates responsibility and a sense of accomplishment for your little ones. If necessary, communicate with your manager if there are time periods you need to be more present to assist your children with any assignments. 

Designate ‘do not disturb’ time periods 

Depending on your work demands, there are conference calls and online meetings that may have to happen while the kids are completing their individual assignments or classroom time. To make sure everyone fulfills their tasks with minimal interruptions, create time periods that are dedicated to completing the more complex tasks that require a more intense level of focus. To avoid any hiccups, give some leeway before the blocked time to address any questions or concerns. While this doesn’t guarantee that nothing else arises, it establishes peace of mind so that your thoughts can be directed to the tasks that lie ahead.    

Plan out all meals for the week

If meal prepping wasn’t your thing before, it definitely should be now. Having lunch and/or dinner already prepared not only saves you time (which is a necessity) but also helps to normalize the growing grocery bill that seems never-ending. Planning not only avoids confusion and lengthy food conversations, but it also sets a routine the entire family can abide by. Easy food items such as tacos, burrito bowls, sandwiches, and an assortment of fruit provide a healthy balance – while avoiding ordering fast food or takeout multiple times a week.  

Establish a ‘lessons learned’ list 

Similar to an end of year job evaluation, you and your family can take a personal inventory of the things that have worked effectively – while taking note of the things that didn’t. At the end of every week have a very candid conversation with your children. Ask them what worked for their schooling and also self-assess the positives during your remote work. Remember to keep an open mind! Instead of automatically responding with frustration, consider how much of an adjustment this is for kids. They’re accustomed to a multitude of settings and environments, which develops their reasoning and comprehension skills. If they identify something was less than satisfactory, ask what can be done (within reason) to improve their new learning environment. These notes can take place on sticky notes, a large whiteboard, or a simple notepad. This doesn’t have to be a serious sit-down conversation; it can almost be presented as a game. Keeping track of these items will help you all make tweaks as necessary while finding a solid sweet spot.  

Give yourself (and your children) grace 

Life as we knew it switched in the blink of an eye. The busyness of going into the office, dropping the kids off at school, and shuffling them to extracurricular activities stopped more abruptly than any of us could have imagined. As we all know but don’t like to admit, every day isn’t a good day. There are many nuances that happen throughout the course of time that can derail our plans, leaving us to feel defeated. But before going off to the deep end, remember this – every day serves as a chance to start over. If the food wasn’t prepared ahead of time it’s okay. If the workday didn’t go as smoothly as expected, it’s quite alright. Take a deep breath and remember we are all doing the best we can with what we currently have. Learning to navigate new waters such as this is only achieved through trial and error.   

Celebrate the small wins 

Let’s face it – this is new for all of us! While online learning and remote work have been in place for more than a few months, we have to grant ourselves grace. So, if you haven’t already – give yourself and your children a pat on the back! Plan safe outings you and your family can enjoy such as picnics, movie nights, or any outdoor activities. Getting some fresh air for at least 30 minutes during the day can help boost productivity and the moods of you and your children! Each week may not be easy, but it is rewarding to know that the effort you’ve put forth as a parent is a positive contribution to your family.   

One question that we all need to ask ourselves is-will we ever gain this amount of time with our families again? Let’s embrace this moment with learning and lasting memories.  

The post How to Work from Home While Schooling Your Kids appeared first on MintLife Blog.

Source: mint.intuit.com

Wondering What to Do With Overripe Pears? Try These 11 Recipes

Few things compare to the deliciously sweet taste of a perfectly ripe pear.

But what happens when they’re past that point of ripeness? You know — when they start to form brown spots and become mushy and unappealing.

Don’t throw away those mushy pieces of fruit! Here are 11 recipes that are perfect if you’re wondering what to do with overripe pears.

1. Freeze for Smoothies

Do you love to make smoothies? Yes? OK, good, because overripe fruit is perfect for freezing and using in smoothies. Cut off any parts of the pear that have gone bad, cut up the rest, seal it in a zip-close bag and put it in the freezer.

2. Pear Jam

If your pears are just slightly overripe, you can cook them into a pear jam. You need a lot of pears for this recipe — about three pounds — but the only other two ingredients are lemon juice and sugar.

Store the finished product in Mason jars, and spread it on toast, add it to desserts or yogurt or even cook it with meat. There are so many ways to use jam it’s not even funny.

3. Pear Crumble

Pear crumble is not only delicious, it’s also easy to make. Besides pears, the rest of the ingredients are staples you probably already have in your pantry or fridge. For this recipe, the mushier the pears, the better.

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4. Mash Into a Pancake Topping

Kitchn.com suggests mashing your browning pears and using them as a pancake topping or folding them into your batter. Fruit is always a delicious complement to breakfast foods.

You could also use the mashed pear on top of ice cream. Sundaes, anyone?

5. Blend Them Into a Salad Dressing

Blend them with some olive oil, vinegar and seasoning for a salad dressing that’s a little on the sweet side. Perhaps try out this delicious pear vinaigrette. Hint: The sweetness pairs well with salty toppings.

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6. Bake Into Fruit Leather

This is pretty much a homemade Fruit Roll-Up.

Slow-bake your fruit into pear and cinnamon fruit leather. Although it does take a while in the oven (six to seven hours), it’s worth it.

7. Pear Ice Pops

Who doesn’t love ice pops? There’s no baking required for this recipe — these spiced ginger pear frozen pops only require a blender and some ice pop molds. You could also get creative and add in whatever fruits or flavors you want.

Do you like fruit and wine? Make some adult frozen pops with Riesling and overripe pears. These boozy popsicles sound amazing for a party or even just an afternoon treat.

8. Vanilla Spiced Pear Butter

This vanilla spiced pear butter goes perfectly on toast, muffins, oatmeal and ice cream. This recipe uses seven pounds of pears and yields four pints of butter, but you could halve or quarter the recipe.

If you’re feeling ambitious and decide to make the full recipe, you can freeze the rest and have pear butter year-round.

9. Pear Muffins and Bread

If you love to bake, use your overripe pears for pear and cinnamon muffins — this one’s fun to make with kids.

Much like mushy brown bananas make for delicious banana bread, mushy pears are great for pear bread.

10. Pear Bourbon Cocktail

I’m not one for baking, so I’m not sure I could conquer pear muffins and bread, but this cocktail? It looks too delicious to not give it a try.

Using the past-its-prime pear, smash and strain your way to this pear bourbon smash cocktail.

11.Pear Sauce

Instead of applesauce, try some homemade pear sauce. All you need besides pears is sugar, water, lemon juice and (optional) cinnamon spice. You could make a large batch and freeze some to use as easy healthy snacks.

Don’t throw away other perfectly good produce. Here’s what to do with mushy bananas, brown avocados, overripe peaches, slimy spinach and often-neglected parts of fruits and veggies.

Jacquelyn Pica is a former SEO specialist at The Penny Hoarder. 

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com