Episode #22 DIY pest control, homemade weed killer for $2 and ways to save on cell bill

Episode 22 – DIY pest control and DIY weed killer for just $2, ways to save on your cell phone bill.

 

This Week’s Guests:

Joe LaBrie from Bug and Weed Mart

Topics Discussed on the Show:

Do it Yourself pest control to get the job done check out Bug and Weed Mart for supplies and information.

Recipe for homemade weedkiller for $2.

5 ways to save on your cell phone bill.

Apps for monitoring your data

Kill those weeds without using chemicals and for just $2!

I am sure after this recent rain you probably have some weeds popping up in your yard. So why not save some money and without using chemicals that could harm your pets and other vegetation.

My friend Heidi first told me about this simple easy recipe that will get rid of your weeds. I have since then found two recipes that are similar but very a tad bit depending on the purpose.

The first recipe is for places you want to replant.

One gallon distilled vinegar and one teaspoon of dish soap. Combine them all on a sprayer and spray those weeds away. Totally cost $2. Need a weed sprayer? Check out places like Home Depot.

Second recipe is if you want to kill everything and have no plans to replant anything.

One gallon vinegar with two cups of inexpensive salt combine in the sprayer shake it up and then add one teaspoon of dish soap to the mix afterwards and then spray your weeds away.

 

 

5 ways to save on your cell bill

The one item I could lose my cool over if I lost it is my smartphone. It is essential to my life. I use it for work. I use it to navigate through life and it can be my lifeline to the outside world. But dam it cost a lot!

I found some ways to educate yourself so you can make a better decision on which cell plan to choose so you can save the most.

First do a price plan comparison. Sites like Whistleout.com and Myrateplan.com will allow you to put in your needs and will then generate a list of carriers and the cost of their plans.

Secondly ask your employer if they have any employee discount plans through a carrier. Often these discount can be anywhere from 10% to 20% off per month.

Your behavior can better determine what you really need. In the past talk time and text usage mattered. Now it is all about the data. So go back to your previous bills and see how much data you have used so you can decide how much you really need. Knowing what you need can save you the most money.

Look at pre paid plans versus contract plans. Often these plans cost you less money.

Last but not least we assume if we have members of the family that need smartphones going with a family plan will save you the most. Don’t assume always do your research so you can make a better educated decision.

 

 

 

 

Episode 21 Home buying advice

Episode 21 – Negotiating advice when it comes to buying a home, pay off your home early, mistake homebuyers make and surprising real estate tips

This Week’s Guests:

Jacques Munro from Munro Realty

If you are looking for a knowledgeable, honest and with integrity real estate firm then give Munro Realty a call at 602*953*3838

 

Topics Discussed on the Show:

Negotiating advice when it comes to buying a home

Mistakes homebuyers make and how to avoid them

Pay off your mortgage early

Find out if refinancing is worth it by doing the math with a mortgage calculator

Surprising real estate tips

Surprising real estate facts

Buying a home near a Starbucks can increase your home value?

They call it “the Starbucks effect”

In an article by The New York Post they used this example. If you take two identical homes sold in 1997. One near Starbucks would have sold for an average of $137,000, while the same home without a Starbucks would have sold for $102,000. Fast-forward 15 years: the average us home appreciated 65% to $168,000, but the property next to Starbucks skyrockets 96% to $269,000.

 When it comes to getting your house sold choosing the right words in the listing can make a difference. According to the New York Post article you should avoid using “unique,” “tlc,” “investment” and “potential” according to the New York Post using these words could lower the sale price as much as 7%. When instead you should use words like “luxurious” for lower priced homes and “captivating” for higher priced homes. This could add 8.2% to your home’s value. Bottom-line you want to make sure a lot of detail and effort goes into listing your home.

 Believe it or not psychological pricing works. Listing a home with a nine in the thousand digits can sell your home a week faster. For example instead of listing it for $250k list it for $249k.

 Last but not least another fact but not surprising women realtors tend to sell home quicker and for money.

 

Avoid dumb mistakes homebuyers make

Buying a home it can be stressful so learn from others. I found an article from Moneytalknews.com about 7 dumb mistake homebuyers make.

Number one ignoring your credit scores. Bad idea it could make or break your interest rate. You can get a free copy of your credit every year at free credit report from annualcreditreport.com

Get pre-approved for a loan. Not getting preapproved could potentially make you lose a home in a bidding war. Plus you know exactly how much you can afford because the lender does an extensive review of your finances before.

Don’t get suckered into a bad loan some lenders will come up with adjustable or interest only loans to persuade people to buy a home they really can’t afford. You can get into a house so your payments are low in the beginning but balloon up afterward making that mortgage payment unaffordable.

Get a good real estate agent with proven experience. Do your research this is probably the largest purchase you will make in your lifetime so be wise and be lead wisely.

Buy based on reality and not emotion.

Don’t ever skip out on a home inspection! Yes, you have to pay for it but it is worth every penny. You will know exactly what you are buying plus you can negotiate depending on the results.

 

 

Ways to pay off your mortgage early

You got the home you want and for the price you want. Now the honeymoon is over you’ve got debt! How do you pay off that mortgage early?

Moneytalknews.com posted some tips to get that home paid off early and it is totally possible.

Make an extra payment a year or just add one-twelfth of your mortgage amount to your payment. For example, let’s take a $200 thousand dollar home at a 4% interest rate with a 30-year mortgage your payment should be around $1013 a month. Either make an extra payment of that amount annually or just pay a twelfth of that amount making it $84 more to add a month to your payment. By doing that you could shave off four years off your loan. Save $27 thousand dollars.

Another way to get that mortgage paid off sooner is to round up your mortgage payment. So if your payment is $1013 round it up to $1050 or better yet $1100. Throw all your extra cash towards your mortgage to get it paid off.

Think about refinancing; decide if refinancing is a good option? Bottom-line make sure you recoup the cost of refinancing your loan back before selling your home or it doesn’t make sense.

For some more ways check out the full article from Moneytalknews.com

 

Episode 20 DIY Spring Cleaning on a Dime, Gardening on a Budget

Episode 20 – Spring Cleaning Savings – Scrub away the winter blues! The DIY secrets that will make your house sparkle. Plus, get your garden ready for spring. What you should be planting now and how you can get started for cheap.

This Week’s Guests:

Greg Peterson from Urban Farms

Free Planting Chart

During today’s show, Greg Peterson offered $25 off of his worm bin shop class. Normally it cost $99 but email Greg at Greg@urbanfarm.org and let him know you want to sign up for the March 22nd class and you heard it on The Smart Shopper Show. TO find out more about the class go to Urbanfarm.org/event/worm-bin-workshop-2

Topics Discussed on the Show:

Spring cleaning on a dime

Recipe for making homemade laundry detergent for $.03 per load

Recipe for making household disinfectant

Tips and Tricks to getting that ring around your toilet gone for just $.25

 

 

 

 

Make your own homemade laundry detergent for just $.03 per load and it works great!

Sometimes doing things yourself can save you a significant amount of money. Make your own laundry detergent for just $.03 per load.

The ingredients and items needed:

Large bowl to mix ingredients

Cheese grater and/or a coffee grinder (if you want Fels-Naptha soap finely grated)

1 cup Arm & Hammer Super Washing Soda

1 cup Borax

1 whole bar of Fels-Naptha soap

A container to store the laundry detergent

Instructions:

In the large bowl add 1 cup Arm & Hammer Super Washing Soda and 1 cup Borax. Grate the Fels-Naptha soap with the food grater, and if you want the Fels-Naptha finer, put it in a coffee grinder. Once you’re done, pour the Fels-Naptha in the large bowl. Mix it all together and you’re done. Pour it into a sealed container to store near your washing area.

1 teaspoon per load, you should get 50 washes out of that one batch.

All of the ingredients I purchased at Walmart, but you should be able to find them at similar stores.

Here’s the break down of cost:

Arm & Hammer Super Wash $3.24 $.34 per cup

Borax $3.38 $.36 per cup

Fels-Naptha bar soap $.97 $.97 per bar

Total $7.59

Total to make 50 loads $1.67 = $.03 per load

Make your own household disinfectant for less than a $1

My other favorite cleaner is a disinfectant that uses the antiseptic power of tea tree oil. This can be found at the health food stores with the essential oils.

This wonderful cleaner is great on hands, toys, toilets, and even in the laundry. Great on doorknobs and sink handles when the flu hits your home. I keep some in each of my bathrooms.

To make, fill a 16 oz trigger spray bottle almost to the top with water. Again use purified or distilled water for the best results. Add 3 Tbls of castile soap and 20-30 drops of tea tree oil to the water. Shake to mix.

THE STORE BRAND Lysol Antibacterial Kitchen Cleaner 22 oz = $2.99 HOMEMADE VERSION .95 cents YOUR SAVINGS You will save $2.04 each time you refill