9 Non-toxic home cleaners: Have a safe environment and save money

When we talk about saving money, we discuss leading a frugal lifestyle. But, often we ignore the concept of healthy living to save money. If you are healthy, you can save your precious dollars which otherwise you’d have to spend on medicines. Even if you have health insurance, you’d have to shell out dollars for the copayment and coinsurance.

So, why shouldn’t we try to make ourselves healthy?

No, this post is not about tips to stay healthy.

It is about using best non-toxic home cleaners to make your house safe and at the same time save money.

Check out how you can make safe non-toxic household cleaners.

1. Cleaning fruits and veggies

Mix baking soda with water and rub it on the veggies to remove the waxy coating and dirt from the fruits and vegetables.

2. Scrubbing kitchen surfaces

Kitchen – One of the toughest area to keep clean and refreshed. You can clean most spots in the kitchen through a baking soda treatment, which is a safe non-toxic home cleaner. Mix baking soda and water and rub on the tough stains in your kitchen. It will be sparkling clean and fresh as well.

3. Deep-cleaning the greasy utensils

You love to eat a well-cooked food but you’ve to struggle to clean the grease. Mix baking soda with your dish wash soap and hot water. Use a scrub sponge to clean the surface. Then, you can load it in your dishwasher.

4. Cleaning your glassware

To clean a glass surface, you need 1/2 cup white or apple cider vinegar, 2 cups water, ¼ cup of 70% concentrated rubbing alcohol, and 1-2 drops of essential oil of your choice. Pour it into a spray bottle and shake well.

Your house will reflect the sunlight and make your happy. 😀

5. Remove marker stains from wood

Toothpaste can help you erase the colorful marker stains from your favorite piece of furniture. So, now you won’t have to monitor whether or not your kids are getting creative on the furniture.

6. Wash the paint job in the walls

If you have kids at home you know how hard it is to keep the walls free of colors. But removing the colors is not that difficult. Just blow hot air from your hairdryer to the walls and wipe the walls with a clean cloth.

Don’t share the secret with your kids. 🙂

7. Remove stink from your garbage disposal

It is simple. Just run a few lemon rinds through the disposal and follow it with cold water. It will smell fresh.

8. Cleaning the marble floor

To clean marble floors, you need 2 cups of warm water and 1-2 drops of mild dishwashing liquid. Spray the mixture on the marble floor and rinse well.

A small tip – Do not use lemon, vinegar, or any other acidic cleaner on granite and marble surfaces. The stone will corrode.

9. How about making an all-purpose non-toxic home cleaner?

It is handy – right?

Mix 4 tablespoons of baking soda with 1-quart warm water and use it with a sponge. You can add few drops of lemon juice or your favorite essential oil to the mixture for a good and clean fragrance.

The store-bought cleaners cost about $3 – $30 if not more; whereas, the homemade cleaners cost significantly less.

Though you may not save quite a bit of dollars in one month, yet it’s a considerable saving in a year. And, when it’s about saving precious money, every cent counts.

Moreover, by choosing safe non-toxic household cleaners, you can breathe in a fresh non-toxic home and be healthy.

So, embrace a healthy home and be happy!

Share if you have any more tips for best non-toxic home cleaners…

Check out:

10 Toxic day-to-day products you must stop using now

Are you making these 11 dieting mistakes? Stop them now to be healthy!

Categories: Lifestyle, Miscellaneous

How to maintain a budget in spite of tax pull and holiday debt

It is that time of the year when you’re struggling to recover from holiday debt and the tax season is knocking at your door! Also, you don’t have much time to manage your finances since you’re busy with the tax calculations.

However, whatever be it, at any cost, you’ll have to maintain a budget in spite of tax pull and holiday debt. Only then you’d be able to recover from holiday debt and manage to pay your taxes.

Check out how you can recover from holiday debt, manage tax payments, and reduce tax as much as possible.

Tips to maintain budget to repay holiday debt and pay tax

First, let’s talk about how to maintain budget and repay your holiday debt, whatever left, along with paying the tax.

Here are a few tips:

  • Cut down every extra expense for some time

To pay off your debt and save money for tax payments, you’d have to cut every extra expense and practice a frugal lifestyle.

It may mean stopping both eating outs and visit to the malls for a couple of months. For some of you, it may also mean canceling your gym memberships or cable subscriptions, especially if you don’t use them much.

This will help you free up a significant amount to repay debt and accumulate money to pay tax.

Read more: 6 budgeting rules for a financial boost in your life

  • Change your everyday habit

If you have the habit of buying a Starbucks coffee every morning, then stop doing that. Instead, make your coffee and carry it with you when you drive to work.

Opt for a healthy habit and prepare your lunch and dinner yourself.

  • Choose a suitable plan to repay debt

At first, list your debts with the rate of interest and outstanding balance. Then, choose a method – snowball or avalanche and target one debt to pay off.

What you do is, make minimum payments on all debts and pay a little extra towards the targeted debt.

If you choose snowball, you’ll repay the smallest balance debt first and if you opt for the avalanche method, then you target the highest interest debt first.

Once you pay off the first targeted debt, employ the same strategy towards paying off the next one on your list.

  • Do a part-time job in your spare time

Choose a part-time job as per your interest. You can browse the internet for some interesting part-time jobs that you’ll enjoy doing.

For example, if you like to teach, you can opt for giving online tuitions.

You can also be a tasker and carry out tasks of others.

  • Sell your unwanted items

If you search your house, you’ll find several items that you no longer need. Sell those items and earn cash. Choose gifts you don’t need, electronic items, and so on.

Just post them on the Craigslist and sell these items.

Use the amount to repay holiday debt or to pay taxes.

Check out: How to enjoy a frugal Christmas and make valuable experience

  • Use your tax refund to repay debts

You will have to arrange funds to pay the tax. However, once you get the refund, use the amount to reduce or pay off your debt burden.

This is a great way to use your tax refund to shake off your debt burden.

Tips to pay less tax, legally of course!

It becomes easier to maintain a budget when you have to pay less tax. Here’s how you can reduce your tax burden.

    • If you’re planning to buy a house, a mortgage can save you a significant amount of tax, as mortgage interest is tax-deductible.
    • The more you contribute to your 401(k) account or IRA, the more your AGI (Adjusted Gross Income) gets reduced, and in turn, the tax amount also gets reduced.
    • Choose the accurate filing status to enjoy more tax deduction.
    • Make charitable contributions to enjoy a tax deduction.

For this coming holiday and the next tax period, add an amount to your monthly budget so that you can save a certain amount throughout the year. This will help you avoid holiday debt and stop worrying about taxes the next time.

What you have to do is calculate how much you spend during the holiday season and calculate on an average how much you pay for taxes. It is better to have two separate accounts for tackling these two expenses.

Then, divide the amount by 12 and include them in your holiday budget. At least you’d be able to save a considerable amount towards these two expenses. In turn, it will help you enjoy more and step into the new year without worrying much about managing your personal finances effectively.

Categories: Personal Finance