Our homes are our castles, and creating a space where we are happy and comfortable is so important. Homemaking and Horticulture features tips and advice about homes, gardens, entertaining, family life and much more. My name is Stacey, I'm a passionate blogger from the West Midlands in the UK and love everything home related.
It's a sad fact of life that there's a pretty good chance that you will, at some point, probably run into some financial difficulty. It's nothing to be ashamed of, and it's actually far more common than you might think, but it can be a serious source of anxiety for a lot of people. After all, for the vast majority of people, your life pretty much has to revolve around money. Without it, most of us wouldn't have a roof over our heads or the ability to get from place to place. This means that if you find yourself in some financial trouble then you will probably want to fix that problem as quickly as possible. Fortunately, there are always ways to do that. Here are just a couple of simple, fast and easy ways to get your finances back on track.
There's a decent chance that the cost of your home is the biggest outgoing that you have. One of the fastest ways to balance your finances is to reduce the cost of your home by downsizing. Figure out how much space you really need. Be brutally honest and decide which luxury elements of your home you can live without. By doing this, you can often cut the cost of your home by as much as half, which is an amazingly effective way to pull yourself out of any financial problems. You don't even need to look at this as a permanent solution, if your money problems are more temporary, then there's a good chance that, once your finances are balanced again, you'll be able to go back to the kind of home you were in before. If downsizing your home is an option then you'll probably want to do it quickly. Fortunately, there are companies out there who can help you sell your home very quickly for a fair price.
Release some equity
If you’ve been paying into a mortgage for some time then you could well be in the very fortunate position of having some equity tucked away that you’re not currently using. Sure, you might have previously decided that you wanted to keep that money aside for moving again or for something else significant. However, if you’re really struggling financially then responsible equity release could well be the solution that you’re looking for. That way you’re going to be able to deal with your debts or any other financial obligations without having to make any serious changes to your lifestyle. And if you manage to keep your finances under control then over time you’ll be able to build up some equity again and get yourself back to the way things were before.
Rent out a room
Whether it's as an AirBnB or as a longer let to a student or working person, if you have a spare room in your home you have the potential to make money from it. You get a chunk of money towards your rent or mortgage and help with the bills which can really help when you're struggling for money. If you're renting yourself, make sure you check that you're allowed to sublet as some landlords won't agree to this.
It can be terrifying when you’re stuck in a position where your finances are suffering, it’s easy to end up feeling as though there’s no way out. However, the important thing to remember is that, when it comes to your finances, it really is never too late.
It’s pretty clear just how important the garden is when it comes to influencing the rest of the property. This is something you have to look at moving forward because it’s going to go a long way toward helping the property improve and advance. There are a lot of things you might consider when it comes to improving and sprucing up your garden, and it’s important to make sure you focus on what you can to update the garden and give it a makeover.
The weather is good, and it is the perfect time to get out into the garden and start making some changes. You need to understand and appreciate what is involved in a garden renovation project, and you need to consider the things you can do yourself. There will be larger projects, such as getting a conservatory installed, or maybe even a pool, but they will require professionals. These are a few of the renovation and makeover ideas you can carry out yourself.
One of the most impressive features you tend to find in modern gardens is the secret garden element. This is generally where part of the garden is hidden away, down a path, or behind some bushes, and can be used as a small, special garden. A secret garden can have anything in it, a pond, flowers, plants, trees. It is a special place full of beauty and serenity, and you should try to create one for your garden.
Trees are a really great and very underrated addition to the back garden. They are very simple and inexpensive to put in, as well as being great value for money. Trees have longevity, and they make your garden look a lot more majestic and impressive; what’s more, they are a great way of getting your garden in shape for the summer. There are many different types of trees you can get for your property, and you need to think long-term about what works.
Pathways can make a massive difference to the way the garden looks and feels. It will seem to have much more of a makeover when you add pathways in. The best way of really accentuating these and making them look even better is to make sure you use things like gravel, shale, or wood chip. These look smart and will help you improve the aesthetics of the garden.
A greenhouse plays such a big part in helping the property improve and allowing you to grow a range of stuff in the garden. There are a lot of different potential choices you can make, including Halls Greenhouses which are definitely worth a look. Making the right decision when getting a greenhouse for your home is so important.
If you can follow the ideas on here, you should have no problems improving your garden for the better. There are a lot of things you will need to consider in this respect, and ideally, it needs to be stuff that you can sort out yourself. There are loads of wonderful ideas that will help your garden to improve, and these are a few of the best.
We are in the season of the holiday, and you may already be dreaming about jetting off to sunny shores. But you may also be worried about your home. After all, you want everything to be exactly as you left it. Simply taking part in some pre-planning can help out in a big way when it comes to making sure that your home is not on your mind when you are trying to soak up the sun. So, here is a brief holiday checklist of things to do before going away.
The last thing that you want to come back to is a house full of dead plants, so make sure that you have watered them thoroughly before leaving. There may be some which require some extra care and attention, so you should ask someone who you know well to pop in every few days to water them. As well as being good for your plants, this is also good from a home security point of view.
Clear Out Your Fridge
Even if you are only going to be away for a couple of days, it is worth getting rid of any food which is going to expire. If you don’t want to be wasteful, find a way of cooking up your remaining ingredients before you go. After all, you don’t want to come back to a home with stale or unpleasant odours if you can avoid it!
Heating and Electrical Items
There is no point wasting energy if you don’t need to. And if you still have the heating on a timer, that is exactly what you will end up doing. Similarly, make sure to turn off air conditioning, fans, and other cooling devices. While you are at it, now a good time to look at how to keep your bedroom cool in summer so that you don’t come back to a stuffy environment. In fact, it is worth unplugging all your electrical devices as these will all be wasting energy. Even just small amounts all add up in the long-run.
Secure Your Home
Now is the time that you will want to make sure that your home is a-ok from a home security point of view. If you have been delaying putting extra security measures up around the house, now is the time to do so. Go to every room around the house to ensure that the windows, doors, and gates are all securely locked. It is worth telling your neighbours that you are leaving so that they can keep an eye on your home for you. Ultimately, having this level of peace of mind around the house is invaluable.
Do a Thorough Clean
It is not pleasant to come back from holiday - only to see a list of chores that you need to do in front of you. To get around this, it is worth doing a deep clean of your house now. You are much more likely to be able to muster up the enthusiasm to do this now rather than when you are in the midst of post-holiday blues. You may also want to combine this cleaning with a summertime decluttering. This way, you will return to a house which appears as welcoming as possible.
Make Sure That Your Bills Are Taken Care Of
Even though most people automate payments these days, it is worth taking that extra bit of effort to ensure that you are not going to be met with any late payment charges upon your return - particularly if you are going away for an extended period of time or you are going to a place where WiFi access may be limited. It is also worth calling your bank to let them know that you are going away on holiday so that you don’t end up with your card being blocked when you return once again.
As well as the cleaning that we have already discussed, there are a couple of other ways that you can make sure that you are coming home to a fresh home. Scented disinfectants down the toilets and sinks will help you to clear out any drain odours which may become a problem. As well as this, you can also invest in some air freshener to keep the scents feeling fresh.
Complete this brief checklist of activities, and you will be able to relax with peace of mind on your holidays.
Most starting up entrepreneurs don’t have the funds to hire a business venue and start their venture from home. No matter if you are a freelance writer or a card maker, a baker, or a babysitter, you will eventually notice that your home has changed and lost some of its functionality. Below you will find a few tips on how to keep your business and home life separate, even if you do most of your work from home.
Consider Unused Spaces
The first thing you need to check is whether there are any unused spaces in your home or outbuildings you can turn into an office or a workshop. You can convert your garage, your conservatory, or simply build an attic room. If you have an outbuilding, you might look into the option of Barn conversion, which can be cheap and great for your business, whether you need office space or a workbench with power tools.
Limit Your Hours
When you work from home, you might be tempted to work all the time, and this means that a part of your bedroom or living room will permanently be turned into a work area or an office. You might want to limit your working hours and clean away everything by the time the rest of the family arrives home, so they don’t have to look at your products or computer screen all night.
With a little organisation, you can make your home office or workspace invisible. You can get a filing cabinet that works well with your existing furniture, and invest in a hideaway desk and chair. You don’t want to scatter all your paperwork around the dining table or on the sideboard; get professional office furniture that matches your existing design and has plenty of storage.
In some cases, you simply don’t have the indoor space to accommodate your business. You can make the most out of your property and increase its value by building. From steel structures to garden offices, there are several ways you can get a separate space for your work and still enjoy your home when you are not working. Garden offices will cost you much less than a year’s rent in the city, and give you the flexibility your startup business requires.
Flexible Office Solutions
If you have to meet clients or simply don’t have the space to work all the time, you might want to consider signing up for flexible office contracts. They will allow you to use the meeting room and facilities, as well as the office space for a number of hours each month. This means you can get out of the house every now and then, get yourself organized, and meet clients outside of your home.
When you start a business from home, you will have to lose some of the functionality of your interior, unless you implement some of the above changes. Don’t let your business take over your life and home environment; keeping the two separate pays off long term.
Protecting your home is essential if you want to avoid any big problems. There are lots of things that can damage it but many issues can be prevented if you know how. Both natural and manmade problems can affect your home, but even natural problems don't have to control you. You can take some precautions to protect your home against some of the most likely problems.
No one wants to think about being the victim of a crime, but your home can be an attraction for criminals. Both break-ins and vandalism could be upsetting. Ensuring good security is the right thing to do. You can use security lighting, an alarm and other security measures.
Pests come in all shapes and sizes, and can bother you in your home and garden. Not only are they annoying, but they could cause permanent damage too. You should be aware of the signs of various types of pests, as well as how to prevent them.
High winds and heavy rains could damage the exterior of your home. Any problems left unchecked could get worse and worse. You can prepare your home for storms by ensuring everything in reinforced, but it's also important to check everyone over after a storm.
Flooding has a range of causes, and they can all ruin your home. You should know what types of flooding could affect your home so you can be prepared. You can't stop the flooding, but you can take steps to protect your home.
Your home has a cost that goes far beyond its purchase price. Of course, when future homeowners review their choices and options, the financial value of a property plays a significant role in the offer they are going to make to the seller. The offer, indeed, is established by comparing how much the house is worth in comparison with how much additional improvement and renovation works will cost. The final offer needs to take into consideration how much you, as a home buyer, will have to spend on the property to make it your home. Nevertheless, your mortgage application will need to combine both the price of the property and the cost of all additional works. But it would be foolish to assume that the value of your home is only a price tag. There is a lot more to a house than its market value. But more importantly, failing to recognise the variety of factors that create value for your home might also put you at risk of letting your house waste away. The question you really ought to ask yourself now is whether you are making the absolute most of your property value, from its price to its additional features. Here are some ideas to stop you wasting value!
Stop wasting all that space
British homes are among the smallest in Europe. As a result, iconic standard furniture, such as a double bed, is the kind of things that you don’t get to see often in a continent house. Why so? Because a king-size bed is the standard size in the rest of Europe. It turns out our neighbours have a lot more room in their bedroom! But, ultimately, while everything is smaller in the UK, it doesn’t mean you can’t have nice things at home. Indeed, it’s not uncommon for British households to be so crowded with ill-chosen furniture and decorative items that the house feel uninviting. If you find your home too small and too cluttered, it’s probably because you’re not making the most of the space available. Pick furniture that works for your space, instead of buying items that are not suited to your home, and you’ll find that the property becomes roomier in an instant!
Could you make money out of empty spaces?
Most families choose to buy a house with one or more extra bedrooms to ensure that the living area – the kitchen and living room – are big enough to hold their favourite furniture. However, what do you do with an extra bedroom that you don’t need? For the majority of households, the extra bedroom becomes a guest bedroom, even though most guests choose not to stay over. The rest of the time, the room is left unused. But you could find a practical purpose to give a new value to this empty room. If you’re comfortable with welcoming strangers under your roof, you could consider renting your room. Through the renting a room scheme, you can even make up to £7,500 tax-free per year – any additional gain will have to be declared. If you’re not keen on becoming a full-time landlord or a landlady, you could simply transform your empty room into a home office and rent it out to startups. Small businesses indeed need premises to launch their companies. After all, even Google started in a garage.
Are you paying too much for your home?
Did you know that most mortgage agreements become obsolete within the first few years? Indeed, as your financial situation improves, the conditions under which you were granted a mortgage don’t exist anymore. One of the main differences is the improvement of your credit score since the purchase of the house. Being a homeowner can improve your credit score, especially if your financial history shows timely payment for your mortgage. Consequently, you could consider looking for options to change your mortgage agreement through a refinance calculator, which can be used to replace your existing mortgages, or even to combine several loans under one umbrella payment. In the long term, checking out how your financial situation could affect your mortgage can save you tonnes of money!
The dilemma of homes and energy efficiency
Home maintenance generates costs that can’t, unfortunately, be erased. You need to service your boiler regularly; you need to look after the garden; you need to replace the roof every 30 years or so. But aside from these unchangeable costs, there are running costs that can be challenged and transformed effectively. With the increasing energy fees, it’s fair to say that most households in the UK are receiving crippling energy bills. Switching providers can help you to lower these costs. However, the best solution is to only pay for the energy you use. In other words, you need to train your family to create an energy-efficient home. Get used to unplug appliances – phone chargers, TV, etc. – when you don’t use them. Simple hacks such as turning your shower temperature down by only a few degrees can save hundreds of £ over the year.
Repurpose your wastes in the garden
Everyone generates wastes. Even if you’re conscious not to buy items wrapped in plastic packaging, you will still create food waste. Organic wastes, however, don’t need to pile up in your kitchen bin. You can turn them into something useful, such as making compost for your garden. There are four types of uses to compost: moisture-holding mulch to nourish your plants, soil amendment for plantations, compost tea – the liquid matter – to nourish flowers and potted plants, and finally lawn top dressing to help the grass grow.
Use the garden to save money
Last, but not least, once you’ve started making your own compost, there’s nothing stopping you from turning your garden into a money-saving machine. Growing your own vegetables can save you a lot of money on grocery shopping, without mentioning the additional health benefits of consuming healthy and untreated vegetables. You could save almost £2 per kilo for tomatoes, and £12 for raspberries.
In the end, there’s more value in your home that you first thought. From saving money on your mortgage repayments to renting out a room, you could make sure your home is working for you!
When you buy a new home; you’ll want to make it fit for your family as soon as possible. However, most people have conflicting ideas when it comes to that task, and that is why you will almost certainly have to work on the property you purchase. While you need to make all the final decisions and determine what is best for your family, there is some information below that you might like to read before you begin. Hopefully, this will help to ensure you don’t overlook anything critical, and you get the perfect house for your family as quickly as possible. Of course, which jobs you choose to undertake will usually come down to how much cash you can afford to spend.
Give the entire home a lick of paint
It is unlikely you will want to leave the house as it is when you purchase it from a seller. At the very least; you will want to give each room a new lick of paint so you can put your stamp on the place according to sites like Good Housekeeping. Involve the entire family in that task if you want to get it done as quickly as possible. Of course, those who can afford to spend a significant amount of money will probably choose to employ professionals. If you do that, make sure you read some online reviews to sort the wheat from the chaff. The last thing you want to do is employ painters who always take a long time to complete their work. Consider light and neutral colours for the walls because they will make the house appear clean and fresh.
Replace the bathroom suite
If the home you purchase has had the same bathroom suite for more than ten years; there is a reasonable chance you will want to replace it as soon as possible. You should always employ the experts when it comes to that job unless you have experience and qualifications in electronics and plumbing. If you fit the bathroom suite yourself and make mistakes; you might discover that your home insurance becomes void. That will mean you’ll have to cover the cost of any damage if you flood the house at any point in the future. You can save a fortune on bathroom suites by searching online auction websites like eBay and buying liquidated stock.
Fit a new kitchen suite
The kitchen is usually the most critical space in a family home, and it is where you will spend most of your time preparing meals for the kids. With that in mind, it makes sense to ensure you have the most attractive and functional cooking space possible. Again, you can save a lot of money if you purchase liquidated stock online from companies that have gone bankrupt. However, you won’t always get free installation when you do that, and so you need to weigh all the pros and cons before pushing ahead. The last thing you want to do is spend a week building kitchen units and fitting them without assistance. You should end up in the same position with your home insurance as before, and it’s not worth the hassle.
Make use of your garage and loft
If you purchase a home that has a garage attached; you might think about converting that space and using it as a spare bedroom or something similar. Those who work from home can use the garage as their office. You should also consider doing the same thing with your loft. It doesn’t make sense to have all that extra space in the home that you do not use. Of course, the average loft conversion costs around £15,000 in the UK, and so your financial situation is going to play a role in that decision. However, you can always get a loan from the bank if you struggle to cover the costs. Hopefully, converting your attic and garage will add lots of value to the property, and that should mean you can see the spending as an investment.
Switch to solar power
There is a lot of emphasis on going green and reducing your dependence on fossil fuels these days. With that in mind, you should research the idea of installing some solar panels on your roof and making the switch to a renewable energy source. While solar panels are expensive to purchase, there are lots of government-backed schemes that will help you to reduce the cost. Indeed, it is possible to get some solar panels for free if you choose the right deals. Of course, people who do that will never reap the full financial benefits. When you select one of those schemes; you don’t usually get a cheque from the power company at the end of the year for the energy you produced but didn’t use. Bear that in mind.
Improve your garden
You’ll want to make sure your outdoor space is perfect before the end of the summer, and so there is no time to delay when it comes to making improvements. At the very least; you need to make sure you cut the grass and plant lots of colourful flowers. Speak to the staff members at your local garden centre if you don’t know where to start when it comes to selecting the best species for your climate. You might also think about digging a pond or something similar to encourage wildlife to come into your garden. Your children are going to love seeing frogs and tadpoles up close. Some folks will even decide to build a brick barbecue so they can host outdoor dinner parties. The possibilities are endless.
Choose a theme for your lounge
Your lounge is where most guests will spend their time when visiting your home. While you don’t have to choose a theme for the entire house, it is sensible to pick one for your seating area. Some people like minimalist themes because they tend to look clean and modern. However, you might like to take a look at the different louvre sizes by Shuttercraft and opt for a farmhouse aesthetic or something similar. If you need advice and information when it comes to finding a list of potential themes you can consider; search Google.
Make sure the entrance hallway looks stunning
Human beings form their first impressions in a matter of seconds. That is why you need to ensure the entrance hallway of your home looks stunning at all times. Lay some real wood flooring, hang mirrors on the walls, and create an area where people can leave their shoes. The mirrors will help to ensure the hallway space appears more substantial than it is in reality, and the real wood flooring will help to create an upmarket atmosphere. You should also search online for other ideas and speak to your family members. Who knows? Maybe your kids sat watching an interior design program last night and remembered some of the advice the presenter gave? Never underestimate your children!
Those smart home improvement essentials should help to ensure you turn your new house into the perfect family dwelling. Now is the time to create a list of ideas, work out the costs, and put one foot in front of the other. You can complete most of these tasks without assistance if you have a tight budget and lots of time on your hands. Just ensure you don’t mess around with plumbing or electrics unless you have experience and qualifications. The last thing you want to do is electrocute yourself or cause thousands of pounds worth of damage.
Have you come to realise that it might be time for a change in your garden? If so, you might find yourself thinking that it is going to take a long time, and that you need to be ready for a big project. While it is certainly true that renovating and developing your garden is likely to be a big project which takes planning, it is also true that it doesn’t have to take anywhere near as long as you might think. As long as you follow some basic pieces of advice, you should find that you are able to develop your garden in record time. This will make it much less stressful for you, and considerably more enjoyable on the whole as well. Let’s take a look at how you might expect to do that.
Have A Vision
Too many people get to work on their gardens without really knowing what they hope to achieve. Conversely, if you have some kind of a vision for your garden, you will find that it enables you to have a better sense of what needs doing and when. This will then mean that you are much more likely to get your garden developed in good time, as you know which way you are heading. If you want to try and develop your vision, you should think about what you would expect see and smell and hear in the perfect garden. It might even be a good idea to close your eyes and try to visualise such a place, so that you can really get a good sense of it. With this guiding you, you will have a much better idea of what you need to do, and it will mean you can develop your garden much faster.
Choose Your Plants Carefully
If you want it to go as quickly as possible, it makes sense to be a little picky about which plants you go for. By being careful about choosing your plants, you can be sure of making it as quick as possible, compared to if you just choose your plants based on how they look and smell and so on. By way of example, you might have thought that you couldn’t possibly have any trees in your garden and still develop the entire space quickly. However, that is not quite the case. If you choose some fast growing trees, you can still have them and still get your garden ready quickly. This is worth remembering, as it allows you to keep your options pretty wide open.
Understand Your Space
There are a number of things about your garden which you need to have a good sense of if you are to make the most of it and develop it as quickly as possible. For instance, you might want to research into what kind of soil you have there. Knowing the soil type will stop you wasting time on plants that simply won’t grow in that region, so this is highly valuable information. You might also need to think carefully about things like prevailing winds and which direction the garden faces. By being clear on all this, you can develop it in record time much more easily.
Paying the bills and putting food on the table isn’t easy when you are working. So, when tragedy strikes and you are unemployed, it’s ten times as difficult. Unfortunately, life isn’t a Hollywood film and there isn’t a happy ending. People either find a way to survive or they struggle. As harsh as it sounds, it’s the way the world works and we all need to wake up to the fact. Those who don’t will inevitably fall behind. The problem with earning while being out of work is simple: there is no way to make money. But, there are ways to cover the costs of living and you can find them below.
Start A Barebones Budget
As the name suggests, this involves living as frugally as possible for a period. Certain things are essential and they are the things which need to go on the list. Everything else is an indulgence that you can’t afford for the time being. Maybe in the future, but right now you need to pay for rent, food, household bills, and transportation. A budget calculator or a virtual assistant can help you create a budget and stick to it in the long-term. Also, remember to negotiate deals. Creditors would rather get their money in dribs and drabs then receive a total of £0.
Dip Into The Emergency Fund
But what about when there isn’t enough money to cover the basics? What do I do then? It’s a good question and one which was answered years ago when you started an emergency fund. This is an account with money in that you really can’t touch. It’s the definition of a rainy day bank balance and it’s time to cash in the chips. Don’t take out the full amount and blast it in one go. Instead, withdraw enough to live off and then re-evaluate. If you don’t have one, now is the time to start saving. Learn how to at moneycrashers.com.
Invest In Debt Protection
People with money are best paying off mounting arrears. You know so that you don’t have to bother. As idealistic as it sounds, this is possible with the right investments. Insurance companies take monthly premiums and payout when the proverbial hits the fan. And, when they don’t, the experts at Longtermdisabilitylawyer.com keep them honest by fighting back. On a slightly morbid note, life insurance policies offer the same protection. The difference is that this method looks after loved ones once you are gone.
Apply For Benefits
Being on the Job Seekers Allowance isn’t nice and you can feel like you're letting yourself down at times; however, in some cases it's necessary. For starters, you aren’t someone who is trying to game the system. Instead, you’re the guy or girl with a genuine problem which prevents them from working. Government sick pay is around for the likes of you, not the immoral folks without any get-up and go. Secondly, it’s a means to an end. Take the benefits now so that you can recover in peace and get back to work as soon as possible.
If you want the financial freedom without getting into debt and difficulties, it is important that you learn about the most common financial traps and how to avoid them. Credit companies and banks have their own ways of getting you hooked up on products for years, and make the most money at your expense. To help you become financially smart, five of the most common financial traps are listed below.
Of course, you will want to have a decent car to get you to work and help you explore with the kids, but some of the agreements will trap you in a deal with no opportunity to actually own the vehicle. You should understand the difference between hire purchase and car loans and make sure that your repayments get you some value other than having a car to drive. It is always better to save up than to spread your payments over years and see the value of your car reduce. You can check out more resources at Auto.Loan to learn how car finance works.
You might be the risk taker, but paying money to earn money is never a clever thing. If you look at statistics, you will have a miniscule chance of earning your investment back in a reasonable time. Instead of investing in something that might work for you, make your skills more valuable for real employers.
Some non-MLM companies will also offer you a deal to cover your training costs and get it deducted from your salary. You will get a company car, but you will have to pay for it. Or you might not like the job after all, leave, and be left with a debt to the company for the training. Make sure that you check the small print and think your decisions through.
Tying Up Your Savings
Banks will want you to tie up your savings, but it is not always the best solution. You need to earn a substantial amount of interest to even consider this solution. The difference between fixed term and flexible saving account interests is not huge, so you might as well decide not to commit to a long term deal and have a backup fund for emergencies.
We all get caught up in competition sometimes. You know, if one person got a new car in the street, others will follow. If they had new shutters installed, the neighbors will start checking out the options. If your colleague got the latest designer bag, you will want it. However, this is the easiest way of getting into debt, and you should think twice. You need to better your money and get more value from your purchases than emotional gratification.
To get smart with money, it is important that you avoid some of the most common traps companies, the society, and banks set for you. Sleep on your impulse buying triggers before you act on them, and you will have a prosperous and easy life.