- Paper products: From paper towels to napkins to toilet paper, load up on paper products, and stash under the bathroom or kitchen sink so you won't have to run out for a roll.
- Kitchen help: Stock up on new rolls of tinfoil, plastic wrap, and zip-top bags to store leftovers from fun meals together and keep your kitchen in tip-top shape. Sure, you might not be getting as much product as higher-priced name-brand offerings, but for a dollar a box, it's still a steal.
- Coffee filters: You'll be making extra pots of coffee, so having coffee filters on hand ensures everyone wakes up happy. And coffee filters can be used for so many other things around the house, which makes having a stash a smart investment. You can also pick up some coffee grounds, too.
- Hand towels: Pick up packs of hand towels and wash clothes at the dollar store so your guests have access to clean towels as needed — and this way you won't need to do laundry every day.
As you get older, it's important to take charge and be responsible for your financial future. LearnVest has shared 40 financial tips that you should have down by the time you turn 40.
Many by-40 milestones have become debatable: Get married? Only if you really want to. Own a home? If it’s financially feasible. Know what you want to be when you grow up? Well, if 40 is the new 30, you’re certainly entitled to change your mind.
But there’s one thing that’s nonnegotiable: By age 40, you can’t get away with being financially clueless anymore. Especially since retirement might be a lot closer than you think! We’ve put together 40 money things, big and small, you should know before you turn the big 4-0. Why? So you can help achieve your financial goals with plenty of time left over to enjoy them!
1. The three basics of a solid financial foundation. Credit card debt paid off. Emergency fund stocked up. Retirement account(s) in existence and growing. Everything else (travel, homeownership, investments) should come after.
2. How to create a budget. Because without one, you may not reach any of your goals, like buying a home, paying off your credit card debt or traveling the world. Learn how to build your budget with our step-by-step guide.
3. How much you should be saving. The answer: 20%. Not sure how we arrived at this number? Look no further than the 50/20/30 rule, which divvies up your monthly budget as follows: 50% is reserved for essentials (think mortgage, rent and groceries), 30% is allocated for your lifestyle choices and at least 20% goes to “financial priorities,” which includes your debt payments, your retirement contributions and your savings. Here’s more detail on the why and how of saving a fifth of your paycheck.
4. Your net worth. Yes, you have one. This is the sum total of your assets (bank account balances, savings, investments, etc.) minus your debts (loans, mortgage, credit card debt, etc.). Your net worth is the easiest way to get a big-picture perspective on your finances. Want a quick way to figure it out? Link your accounts in the free LearnVest Money Center, and we’ll do the calculating for you.
5. How much you make and how much you spend each month. It sounds like a no-brainer, right? “But most people, regardless of their age, don’t know how much money they have coming in and going out,” says Natalie Taylor, a CFP® with LearnVest Planning Services. For a full breakdown, visit the Money Center to see your incoming versus outgoing finances.
The frenzy of Halloween indulgence has come and gone, and between office-party punch and sweet treats, you're nursing one huge sugar hangover. One thing's for sure: leftover Halloween candy has got to go! If that candy corn and those Snickers were originally destined for the garbage, then consider some other uses that won't make you feel as though you're sending your money along with it. Here are nine better ways to use up uneaten candy that won't make you feel ghoulish.
Source: Etsy seller KnotTheOrdinary
- Watch a scary movie at home with friends. (Check out these 11 ways to watch movies for free).
- Carve a pumpkin with friends.
- Roast pumpkin seeds after carving.
- Make pumpkin dishes with leftover guts from carving.
- Experiment with no-carve pumpkins.
- Make your own Halloween candy.
- Reuse an old costume, make your own, or borrow one from your friend.
- Bring out a Ouija board for a spooky night.
- Go camping, make s'mores, and tell ghost stories around a fire.
- Make these Halloween decorations for a few dollars.
- Borrow a horror book from the library. Here are some other ways to get free books.
- Visit a pumpkin patch.
- Check to see what free Halloween events are going on in your city.
- Create your own haunted house at home with things you already have. Invite friends over.
- Bob for apples.
- Go trick-or-treating.
- Experiment with face paint. Here's how to make your own.
- Make a Halloween costume for your pet.
- Try out some Halloween-themed nail art.
Sick of asking friends what you should be for Halloween or spending way too much time Googling DIY costume ideas? Well you're in luck. We spent hours scrolling through every corner of the internet to dig up the most amazing and creative Halloween costumes so you don't have to.
Click on for 101 DIY costume ideas — they range from outfits you can put together in minutes to the projects that only advanced Halloween costumers will be brave enough to tackle.
Now that the pressure is on to find a Halloween costume, you're telling us you don't want to dress like a sexy corn husk or throw on a Scream mask? Shocker! Luckily, your local thrift store has the perfect solution. We don't know about you, but an original, no-one-else-has-this costume is a winner on all levels, and that's just what you can find at these shops. And the best part is you'll score your outfit on a budget — guaranteed. As proof, we asked Paige Ricks, a fashion blogger and photographer at STYLEpaige to head to Thrift Town in San Francisco to see what she could score for $25 or less. Excited to see what she found? Ready, set . . . let's do it.
Up for the task! The goal is to find a standout costume for $25 max. Two ideas in mind: Cher from Clueless or cowgirl.
Tip: Try to have a costume in mind before you go so you can look for key pieces, but stay open to changing course if you find one standout item to base your entire outfit around. In other words, consider the whole outing a puzzle.
Feeling a little overwhelmed searching through all the racks. Keeping eyes peeled for a plaid jacket or cut-off shorts, but hoping to find something "OMG"-worthy.
Tip: For best (non-Google) search results, go with a friend, tell one another what you're looking for, and split up to cover all your bases. She might find something that you looked over. And try to hit thrift stores in the morning to get the best selection.
The First Find
Finding an incredible shaggy jacket with a cropped fit squished between a black windbreaker (boring!) and jean vest = major score. It simultaneously screams "take me" and "1970s," and is the perfect start to a retro costume. Price: $10.
Tip: When searching for a unique item, scan for bright colors, funky textures, or head straight to the vintage section.
Uh-oh — Halloween is tomorrow, and you may not have your costume ready. Don't panic; we've got you covered. Below is a list of costumes that you can put together in minutes. Most of them can be created with items you already have in your home!
Crazy cat lady
If you're already a crazy cat lady in real life, you will probably have a bunch of cat plushies in your home. Stick them on you, wear a bathrobe, and do up your hair in curlers to instantly show off your crazy cat lady status.
Error 404 Page
Are you totally over costumes this year? Buck the trend by writing the words "Error 404: Costume Not Found" on a plain white shirt.
Facebook Profile Page
Print out your Facebook profile, and blow it up in a copy machine.