How To Plan A 21st Birthday Party On A Budget

How To Plan A 21st Birthday Party On A Budget?

How To Plan A 21st Birthday Party On A Budget

How to Plan a 21st Birthday Party on a Budget?

Your birthday is at the door. It’s about to knock. You’re now 21. It should be celebrated. You’re now an adult. It is a leap that must be marked with a memorable party.

Nothing should stop you from launching your 21st birthday party…not even a fear or the lack of money. With a proper budget, you can have a nice party. And this article shows you how to plan your birthday party on a budget.

How much money do you need to budget for the birthday party?

The required amount to be budgeted for your birthday party is BPC:
Birthday Party Cost (BPC) = $ [GC + NGC]
Where, GC is the Guest Cost, and NGC is the Non-Guest Cost.

Let’s discuss the guest cost and non-guest cost.
Guest cost is the amount of money required to cater for the guests at the birthday party. It shows how much you need to fund everything to satisfy your friends, siblings, and other attendees at the event. The GC depends on the number of guests you will invite.

On a budget, a birthday party that attracts 60 attendees should be more expensive than the one that attracts 16 attendees. Get the number of guys you want at the party. Make a list of names of relatives, friends, and peers that you want them to be present at the event.

After getting the attending number, determine the party’s worth. Decide the types of drinks, foods, presents, and take away snacks. Calculate how much it costs to get the package for each person. Then multiply the number of people on your list with the calculated cost.

To avoid disappointment, add at least 15% of the number of invitees on your list. You know…your invited friend may bring his/her fiance or an uninvited guest.
Do the arithmetic. And term your answer as Guest Cost (GC). So,

Guest Cost = $ [(NAL + 0.15 X NAL) X CP]
NAL = Number of attendees or invitees on your list.
CP = Cost of catering per person or invitee.

The Non-Guest Cost is the amount of money required to cater for the venue, rental (like chairs and tables) or party space, birthday cake, games, entertainment, invitation cards, and other issues that do not have any direct receiving link with your guests.

NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC]
VC = Cost of the venue
RC = Cost of the rents (chairs, tables, plates, spoons, speakers, iPod, and the likes).
BcC = Cost of making or buying a birthday cake.
GC = Cost of buying games like chess, scrabble, videos games, and the likes.
EC = Cost of entertainment, DJ, and related entertaining rants.
OC = Other Costs.

Take for example; David wants to know how much he needs to budget for his 21st birthday party. The cost to satisfy a single person at his birthday will be $20. And he expects 30 attendees at the party. The venue costs $100, the rentals cost $120, the birthday cake costs $65, the costs to hire a DJ is $150, and other things cost $10.

So, David’s Birthday Party Cost = $ [GC+NGC]
The Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP] = [30 + 0.15 X 30] X 20] = $90.00
The Non-Guest Cost, NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] = [100 + 120 + 65 + 0 + 150 + 10] + 0.15 [100 + 120 + 65 + 0 + 150 + 10] = $510
Thus, David’s Birthday Party Cost = $ [510 + 90] = $600.00

You can’t know how easy budgeting is, until you start. It is very simple. Study the steps illustrated in this section. You can use those ones to arrive at the amount of money your birthday requires.

How Do You Get the Money to Fund the Party?

You can get it from your pocket. If you are broke, you can get it from your relatives, friends, or parents. If they can’t offer you the money, you have to take out a payday loan online as it one of the best type of loans to seek to fund a birthday party.

How to Reduce the Budget?

Perhaps you want a lower budget. Then you should have your birthday party at home. Venues are expensive. You can have a house party. But, you may not be allowed to make the noise that you would like and you will have to be responsible for such service.

And if your mom is a good cook, there is no need for a catering service. You just need to money to buy raw food, drinks and the birthday cake. Rent a good speaker, instead of a DJ. Let your friends do the DJ’s job.

Cleaning up after party can be difficult. But you and your siblings should do that. If you would be having your birthday party at home, don’t you think you have to spice up the party with some ideas?

21st Birthday Party Ideas at Home

Nobody loves being bored. You can make your guys have much fun, even if you won’t take them out. Right from your home, you can spice up the party:

  • Playing Board Games: You can play board games with your friends. Games like chess, monopoly, and scrabble are good for house birthday party.
  • Playing Video Games: Playing video games is one of the best ways to catch fun when having a birthday party at home. You can play soccer games, GTA, Super Smash, or Super Mario.
  • Swimming: If there is a swimming pool at the house, you can launch a swimming race. It is also a way of making the house birthday party awesome.
  • Taking Pictures and Videos: If you want to run a low budget party, do not hire a photographer. Everyone have phones and they can take as many pictures as they want. You can make videos using your smartphone. Doing this will also make it lively.
  • Telling Stories: You can make your birthday memorable by asking each of your invitees to tell a story about you in just a few minutes.


This article shows you how to plan for your 21st birthday, how to calculate and budget the money needed for the party, where to get the money, and how to spice up the party with 21st birthday party ideas.

Happy birthday to you in advance, and may your day be filled with happiness.

How To Plan A Sweet 16 Party On A Budget

How To Plan A Sweet 16 Party On A Budget?

How To Plan A Sweet 16 Party On A Budget

How To Plan A Sweet 16 Party On A Budget?

So, your youngster is now 16. You’ve done a nice job. I’m happy for you. But this can be his last birthday before he leaves for college. So, these are his last days at home. This birthday must be remarkable because any other birthday after 16 could be done at the campus, and you won’t be there.

So, take your time and make the latter unforgettable for your child.

And for you to plan a sweet 16 Birthday Party on a budget can be challenging. But this article is helpful. It makes the planning processes clear, easy, and exciting.

How to Determine Your Budget for the Party

Having a party without a budget can bruise your bank account. Ensure you know how much the party requires. Cut out the budget by implementing cheap, sweet ideas.

Plan the budget with your child. Don’t do it alone. Give him the power and free will to choose. And you should discuss with the latter how much you can afford from what he has chosen. Enforce boundaries on everything that the birthday party needs as your budget depends on the guest list. It shows the number of guests that are likely to be present. As a result, you should compile a guest list if you haven’t. And remember, the more the guests, the more the party will cost.

At first, set an imaginary number of people you can cater for, and let your kid fill the latter with friends. Doing so will save up money.

How Much Money Costs A Sweet 16 Party?

If you can do some arithmetic, let the required amount of money to be budgeted for a Sweet 16 party be SPC:

Sweet 16 Party Cost (SPC) = $ [GC + NGC]

Where, GC is the Guest Cost, and NGC is the Non-Guest Cost.

The money to be spent on getting foods, snacks, and drinks for the guest is called the guest cost and the just mentioned can be calculated by using the formula below.

Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP]


NAL = Number of attendees or invitees on your list.

CP =    Cost of catering per person or invitee.

While the non-guest cost is the amount of money that will cater for other expenses apart from the guest cost. It can be obtained by using the formula below.


Non-Guest Cost: NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC]


VC = Cost of the venue

RC = Cost of the rents (chairs, tables, plates, spoons, speakers, iPod, and the likes).

BcC = Cost of making or buying a birthday cake.

GC = Cost of buying games like chess, scrabble, videos games, and the likes.

EC = Cost of entertainment, DJ, and related entertaining rants.

OC = Other Costs.

To give you an idea of how to use those formulas, permit me to cite an example. If the cost to get food, snacks, and drinks for a single person invited to his sweet 16’s party is $20 and you have 30 attendees on the guest list, you will have.

The Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP] = [30 + 0.15 X 30] X 20] = $90.00

And let us say the venue costs $100, the rentals cost $120, the birthday cake costs $65, the costs to hire a DJ is $150, and other things cost $10.

Then, the Non-Guest Cost, NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] = [100 + 120 + 65 + 0 + 150 + 10] + 0.15 [100 + 120 + 65 + 0 + 150 + 10] = $510

Thus, the Sweet 16 Party Cost = $ [510 + 90] = $600.00

You can reduce the budget by hosting a house party instead of renting a restaurant or a party space.

Where can you get the money for the party even if you don’t have?

You know how much money you want to spend and how you will spend it, but how can you get the money? Where can you get the money from? If you can’t get the money from your savings, you don’t have to disappoint your child.

You can take out a personal loan online. Without leaving the comfort of your bedroom, you can get a loan approved for the party.

Ideas for Sweet 16 Birthday Party Activities on a Budget

You can make your child and his peers experience a memorable party with the ideas highlighted as we proceed.

  1. Set a Perfect Time and Location for the Party:  Choosing a time for the party can be daunting if your child’s date falls on a working day. So, the perfect time to have a birthday party on a working day is the PM Hours. Ensure your child notifies all his friends of the party’s time before the day.

As you prepare for the birthday, get a location and book the venue. Perhaps you want to run the party on a low budget and in that case you can consider using your home.

  1. Book a Catering Service: Perhaps you want to have a very large sweet 16 party; you should book a catering service. And if you can cook for the expected guests, then cook. Prepare the food ahead of the party’s time.
  2. Write the Party’s Timeline: Just like an order of the program.  Make up a timeline for the party. It should show how the party will go. From prayers to music, to movies, to serving foods and drinks, to cutting a cake, and most importantly to the party’s end.
  3. Playing Games: Games like chess, monopoly, and scrabble can be used to spice up a sweet 16 party. Teenagers like playing video games these days. You can create a time space for them to play video soccer games, GTA, Road Rash, Super Mario, or any other interesting game.
  4. Make them tell stories: Everyone has a powerful story. Your child’s birthday can be a place to tell those stories. That is what makes the day unforgettable.
  5. Music and Dancing Performance: The right person to choose the music playlist is your child. He knows what his peers dance to.


We’re done. You are free. Proceed with the preparation. Make the party awesome, memorable, and remarkable. It may be your child last birthday at home. He will leave for college soon, remember!

How To Get An Apartment With Bad Credit

How To Get An Apartment With Bad Credit?

How To Get An Apartment With Bad Credit

How To Get An Apartment With Bad Credit?

When it comes to looking for an apartment for rent with your bad credit, you might feel a little stressed out for bad credit can affect the rental process in a major way. In fact, you may even be denied the rental of a specific apartment due to your poor credit score – even with perfect rental history and reasonable salary. If you’re dealing with bad credit and are afraid that the latter will prevent you from obtaining the apartment you desire, then keep reading – you have options! If you’re in need of a little extra money in order to sign your lease, an installment loan online for bad credit may be a good option for you.


7 Tips for Renting an Apartment with a Bad Credit

So, you’re attempting to rent your ideal apartment with a low credit score? Here are 7 top tips to help you succeed:


1. A Recommendation Letter

Your first step in obtaining the apartment you want is presenting your potential landlord with recommendation letters. Such a letter can come from several sources, including previous landlords, roommates or even your bank establishment. The objective here is to demonstrate that you are responsible and fully capable of paying your bills on time. Furthermore, your employer can write a letter informing your potential landlord of your stable revenue.

As a first step, this helps demonstrate to your potential landlord that you’re serious about renting responsibly. More so, not only are you easing your landlord’s mind, arriving prepared for your apartment appointment will increase your chances of creating a responsible impression.


2. Don’t Lie about your Credit Score

It’s important to be completely honest with your potential landlord. There are many reasons as to why you may have a bad credit – and you should take the time to explain the latter. Perhaps you made a poor financial decision previously, your credit utilization may appear very high or there might even be a mistake amongst your report! A landlord’s rules and requirements are not necessarily set in stone, as long as you can explain your situation and provide the supporting proof. Keep in mind that generally, this tactic works best when dealing one-on-one with an individual landlord rather than trying to rent with a large management company.


3. Paying Upfront can go a Long Way!

As you probably already know, having a low credit score presents potential risk to any provider – landlords included. In the case of renting an apartment with a bad credit rating, it is possible that you be requested to pay a security deposit.

You can also consider signing a month-to-month agreement or a three-to-six month lease. If you have a poor credit score, your potential may feel comfortable knowing that they “have an easy way out” in the case that you don’t pay as agreed. Requesting a 12-month lease can be done later on, once a relationship has been established with your landlord.

In certain cases, it may be possible that you be requested to pay a higher per-month fee. In all such scenarios though, paying a little more can go a long way – let’s face it, you just may be signing your dream lease!


4. Rely on a Co-Signer

You can always can always call on a little back up if all else fails: a co-signer. The important thing here is finding someone who has a good credit score and who is, of course, willing to take responsibility in the case you struggle paying for rent. By having a co-signer, your potential landlord may feel there is less risk in signing a lease with you.


5. Discuss Automatic Payments

Insider tip: Landlords adore receiving rent payments automatically. You can offer your potential landlord to set-up automatic payments for the first of the month when it comes to rent. In other words, your landlord’s bank automatically deducts a specific amount from your bank every month. This can usually be completed online, however, you can equally offer post-dated checks for the duration of your lease.

If you’re choosing this route, keep in mind that demonstrating a responsible payment track record is very important. If you’ve had many difficulties paying on time in the past, you landlord may remain reluctant in signing a lease with you. However, if you come prepared with proof of a steady income, you’re definitely increasing your chances.


6. Have a Savings Account

Now, at first glance, this may seem unrelated, however having both a checkings and a savings account is actually very important. When it comes to dealing with a low credit score, having a big salary doesn’t always cut it. Being capable of proving to your potential landlord that you have money set aside is a huge plus and can really set your landlord at ease, seeing you as less of a risk. If you don’t already have a savings account, it’s a good idea to start building one as soon as possible – and to keep building it long term!


7. Search for an Apartment without a Credit Check

One of the easiest and simplest ways to sign a lease with a landlord when facing a poor credit score is to search for an apartment landlord that doesn’t perform a credit check. If this is what you’re looking for, aim for apartments owned by individual renters. Such landlords have less of a tendency of performing credit verifications and usually more willing to take a risk in order to fill their apartment complex. On the other hand, large management companies are generally harder to deal with and performing a credit verification is much more standard.

How To Get A Car Loan With Bad Credit

How To Get A Car Loan With Bad Credit?

How To Get A Car Loan With Bad Credit

How To Get A Car Loan With Bad Credit

Obtaining a car loan with bad credit is nothing short of difficult – but it is totally possible. Remember that you have to go into the process with the right facts in mind: You’re going to be paying higher interest than someone with a good credit rating. However, don’t let that come as a discouragement just yet – bad credit installment loans online with guaranteed approval can possibly come to the rescue!


Buying a Car with Bad Credit

It’s time to look at the detailed procedure of obtaining easy car loan approval with bad credit in order to finance your next vehicle!


1. Verify your credit score

So, you’re thinking about purchasing a new vehicle? Before anything else, check your credit score! Even if you’re still months away from physically purchasing the car, you definitely want to start cleaning up your report before requesting a loan. By doing so, you’re certainly going to improve your chances of being accepted for said loan under good terms. In order to “clean up” your credit report, you need to pay off late accounts, discussing credit errors and increasing the positive information found within your report.


2. Improve your bad score

Another reason why verifying your credit score right from the start is in order to visualize exactly what needs improving. It’s actually possible to find credit errors dispersed throughout your credit account and it’s important that you  dispute these. In general, you should give yourself a 30-day grace period in order to have these mistakes looked at and fixed if necessary.

On the other hand, if your credit rating isn’t that bad, then cleaning up is in fact still a good idea. As we mentioned in an earlier article, a good credit rating is market at 700 or higher and by cleaning up your credit account, you just may get pushed over that line!

3. Know Your Budget

Like with everything, being well aware of your actual financial budget is a must. Knowing exactly how much you can spend per month on a vehicle will give you a better idea of what car models you can start looking at and which ones you should stay away from. You can also go deeper into your research by looking at average auto loan interest rates and the car’s cost – this will provide you with a better basis for negotiation.

As you can already start to see, purchasing a car and obtaining a car loan are not out of reach, even if you are dealing with bad credit. Just make sure your using your time wisely!


4. Think about having a co-signer

One of the simplest ways to be approved for a car loan with bad credit is through the use of a co-signer with good credit. In the eyes of a lender, a co-signer decreases the risk of lending to someone with bad credit. Although your co-signer is definitely assuming responsibility by signing for a car loan with you, you may actually be capable of obtaining a better interest rate!


5. Get  pre-approved car loan

Sometimes, it becomes easier and more realistic to car shop with a pre-approved loan. When discussing with your bank or credit company, don’t forget to question the possibility of taking the pre-approved route. However, this isn’t always possible and if this is your case, you can always discuss different options with your car salesmen. They may have further information on who, or where, you can contact a lender who works with buyers dealing with bad credit.


6. Take the time to negotiate!

Let’s face it – you’re not alone in this world with a bad credit score and this is a good thing for you! In other words, you don’t always have to settle for the first “deal” that comes your way. Saving money is possible if you take the time to negotiate a little, especially when it comes to interest rate, annual percentage rate, loan length, repayment penalty and even other additional fes.


7. Put money aside for your down payment

A down payment can help in many ways – especially if you can afford one. First of all, not only does this cash go directly towards decreasing the total amount owed on your vehicle, this money is equally interest free. Furthermore, your lender will definitely take your down payment into consideration when weighing the risks of providing you with a loan – even if you have bad credit.

Moreover, the down payment will reduce the size of your monthly payments and can even be the deciding factor in obtaining the car loan that your looking for!


8. Say “NO” to the extras!

Alright, if you’re dealing with bad credit, you might have to make a few sacrifices. When applying for a loan, you may not be approved for the highest possible amount and therefore, certain features such as leather seats, a sunroof and air conditioning may have to be crossed off your list. Keep in mind that because of your poor credit, you’re already facing a high interest rate so make sure you know how to say “No” when need be.

In the end, you can buy a car with bad credit if you follow the above steps to the T. Keep in mind that looking at all your options, fueling up on important research and refusing extra add-ons can really save you good money when it comes to purchasing your vehicle. Whether you’re dealing with bad credit or not, budgeting your finances properly and being fully aware of what you can genuinely spend is the first step in purchasing your new ride intelligently.

How To Improve A Bad Credit Score

How To Improve A Bad Credit Score?

How To Improve A Bad Credit Score

How To Improve A Bad Credit Score

In many ways, improving a bad credit score is like losing weight: It takes time and energy and there isn’t a miracle solution to bettering your credit score. You should beware of proposed “quick-fix” remedies because they have high chances of backfiring on your and making your situation worse.

Rebuilding credit score requires time and effort, all while being properly managed over time. If you’ve failed to keep an eye on your credit over the years, than credit score improvement is the way to go. If your credit score is low and you aren’t getting the needed approval for credit cards or favorable interest rates, you may want to think about applying for a quick personal loan online for bad credit.

How to Improve your Bad Credit Score Fast

The most important factor in building, or maintaining, a good credit score is paying your bills on time. It doesn’t matter whether your owed debt is small or large, respecting your payment schedule is a must. Furthermore, you can:

  • Avoid applying for unneeded credit;
  • Refrain from overextending your debt, and
  • Effect late payments.

If you aren’t already aware, you should know that credit applications can be seen on your credit report – such is an indication for new debt. In most cases, it’s best to use existing credit in order to demonstrate long term capacities in managing credit.

Tips and Tricks on Improving a Bad Credit Score

There are in fact many tips and tricks that you can tap into in order to improve your credit score, along with a positive payment track record and low credit use:

  • Avoid fraud. Early warning signs of fraud are most likely to be seen in your credit report and accounts. For this reason, it is important to regularly verify the latter in prevention of possible fraud.
  • Avoid credit mistakes. Equally by monitoring your credit accounts and report on a regular basis, you will be able to make note of, and take care of, and possible credit mistakes.
  • Only apply for credit/open new credit accounts when needed. As earlier mentioned, hard inquiries can be seen on your credit report and can directly affect your score. Furthermore, having too much credit can be enticing, causing you to overspend and accumulate much more debt.
  • Leave unused credit accounts open. Of course, this means knowing how to refrain from using such accounts, but such credit accounts add to your overall score. Moreover, having unused credit accounts demonstrates a low credit usage.

Primary Credit Score Elements

Despite the fact that many elements come into play when discussing credit score, certain factors are of greater importance. Of the list, payment history and credit utilization ratios are the most critical elements in many credit scoring models. Together, they can make up 70% of your credit score – their impact is huge.

What is Credit Utilization Ratio?

It may be considered one of the most important factors, but what is credit utilization ratio exactly? Simply put, this rate is calculated by dividing your total credit debt by your total available credit. Most models take into consideration your overall credit utilization rate, which calculates your ratio across all accounts, as well as rates for individual accounts.

Generally speaking, a lender appreciates low rates of 30% or less. More so, the individuals with the best credit scores are often those who have low credit usage which also demonstrates available credit on cards and responsible credit management.
You can decrease your credit utilization ratio in a positive way by:

  • Repay debt and keep credit card accounts low
  • Become an authorized user on someone else’s account who uses credit appropriately.

Although opening a new credit account may increase your overall credit limit, the credit application itself sets as a hard inquiry on your credit report. As earlier mentioned, to many of the latter and this can negatively affect your credit report – remaining on your report for two years. Although the mark fades over time, you should only open a new credit account when absolutely necessary.

What is Payment History?

In general, your past payment history is a good indication for lenders on how you will manage future payments. When a lender reviews your credit report, payment history is one of the first things they take a look at.
One of the best means of positively influencing this credit element is by respecting all your repayment schedules in terms of your credit accounts. Both late payments and paying less than the required minimum will directly affect you in a negative way.

Of course, when it comes to paying bills on time, you want to ensure that all your payments are respected and on schedule. This includes your rent, utilities and even your phone and cable bills! You can always reach out to services at hand including payment applications and calendar reminders to make sure you always stay on track!

Is Rebuilding Credit Score a Lengthy Process?

Ultimately, there is no “quick fix” and the saying: Time heals all is rather appropriate here. When it comes to improving credit score, time is of the essence and sometimes, all you can do is pay your bills on time and wait patiently.

Although there may not be any shortcuts to genuinely improving your credit score, you can take a look at your individual report and start clearing up the problems one by one. Remember that:

  • Hard inquiries are shown on your credit report for 2 years;
  • Bankruptcy remains on your report for approximately 10 years and public record items for 7;
  • Delinquencies equally remain on your credit report for 7 years.

When it comes to improving your credit score, acting wisely is important. Take your time, for time is actually to your advantage. Work on one issue at a time and make sure that you discuss and possible credit mistakes on your report!


Related content:

How To Pay For Plastic Surgery With Bad Credit

How To Pay For Plastic Surgery With Bad Credit?

How To Pay For Plastic Surgery With Bad Credit

How To Pay For Plastic Surgery With Bad Credit?

Whether you’re ready to admit it or not, most of us are on the quest to looking our best and sometimes, plastic surgery can make a world of difference. Although change can be exciting. Elective cosmetic surgery is not free of charge. If you’re worried about how you’re going to finance plastic surgery – don’t sweat it just yet. Several options are available to you, including an installment loan online for bad credit. Find out more about how you can follow through with your plastic surgery plans, even if your facing bad credit.

Cosmetic Surgery Financing for Bad Credit

So, you’re considering plastic surgery? Well, first things first – you’re not alone. In 2017, more than 17.5 million procedures were completed in the United States and this number is only increasing. In turn, The American Society for Aesthetic Plastic Surgery states that Americans as a whole spend $8.5 billion a year on said procedures.

Plastic Surgery Procedures and Treatments

Let’s take a look at the most commonly performed cosmetic procedures and treatments:

  • Breast augmentation
  • Tummy tuck
  • Nose job/rhinoplasty
  • Plastic surgery
  • Mini facelift
  • Body sculpting
  • Mommy makeover
  • Liposuction
  • Eyelid surgery
  • Reconstructive surgery

Non-Surgical cosmetic procedures and treatments

  • Injectables and Fillers (Botox, Dysport, Xeomin, Juvederm)
  • Chemical peels
  • Laser hair removal
  • Microdermabrasion
  • IPL/ Laser treatments
  • Hair replacement
  • Tattoo Removal
  • Coolsculpting

Dermatologic procedures and treatments

  • Dermatology appointments
  • Laser and light therapy
  • Age spots
  • Injectables and Fillers (Botox, Dysport, Xeomin, Juvederm)
  • Chemical peels
  • Microdermabrasion
  • Spider and varicose vein treatments
  • Acne treatments
  • Dermatology-approved skin care products

Financing Plastic Surgery – What are my options?

In order to better decipher the cost of plastic surgery, you should begin by determining whether your surgery is elective or not – or in other words, whether or not the cosmetic surgery is a need. Of course, one way or another, plastic surgery is quite expensive – therefore, keeping the costs to a minimum is a must.

Plastic surgery loans for bad credit

Are you thinking of a personal loan for plastic surgery? Well, there are a few things you should be aware of. First off, you should note that an unsecured loan from a financial institution will present interest rates that are close to or more than those on a credit card. On the other hand, bank loans have fixed interest rates as well as a specific period of time for repayment. Of course, all this depends on one’s credit rating and one’s ability to qualify for said loan. On top of all that, if you’ve never requested a personal before, such may actually increase your credit worthiness by adding to your “credit mix”. You must repay your loan properly and on a timely schedule and unlike a credit card, you can’t add more to your pre existing debt!

Although interest rates vary depending on one’s credit score, it is important to keep in mind that an unsecured loan will undoubtedly add to your final cost of your plastic surgery procedure.

If you’re interested in looking for a lower interest rate, then you may want to start looking into a secured loan. A secured loan means you offer a collateral against the loan, such as a vehicle or a house. If you end up being unable to make your payments on a regular basis, you may end up losing said property.

Discuss with your surgeon

You may not know it yet, but certain surgeons offer their own financing plans based on third party financing companies. Said options can include low monthly payments as well as extended payment plans – which are generally quite appealing. When discussing with your surgeon, look at the different fees and interest rates. Many of them are actually quite competitive but beware, some can actually be more expensive than a traditional credit card!

If you’ve decided on one of these financial plans, it is still mandatory that all your payments be made on time. In most cases, a late payments incurs a higher interest rate for future payments or balance-based penalty.

Credit cards

As surprising as it may sounds, using a new or existing credit card may actually be your best bet. In fact, may credit card companies offer a 0% introductory annual percentage rate (APR) and even certain reward points that can be accumulated for later vacation or cashback.

Knowing your current credit score is probably the most important factor here. This is true because if you can qualify for a 0% APR balance transfer card, then you could pay off your debt within the introductory grace period and completely wave the interest fees as a whole!

Can my Insurance Cover my Plastic Surgery?

One doesn’t need to pay for all types of plastic surgery. In fact, certain cosmetic surgeries are entirely medically justified and are therefore usually covered by insurance companies. For example, health related procedures such as a patient with breast cancer or a surgery improving physical function may be covered. More so, patients with respiratory problems may have see health insurance pay for a nose job, or a breast reduction may be paid for in the case of a patient with back pains.
Instead of freaking out right away at the costs of possible cosmetic surgery – take a look at your different options and while your at it, why not contact your insurance company at the same time?

How to Select the Best Financing Plan?

Before you drop the idea of elective cosmetic surgery completely, keep in mind that you genuinely have several options and that no matter what other people say, if it’s going to make you feel more confident – it’s probably worth it. On that note though, there’s a huge difference between negating the idea and setting money aside in order to have the significant funds to move forward with the procedure.

Again, certain individuals will find a certain worth in saving up their finances and waiting for their plastic surgery while others would prefer to move faster and select instead a financing plan as discussed above. Both decisions are good decisions.

One way or another, when it comes to plastic surgery, you should start by consulting a surgeon and/or patient care coordinator in order to discuss all the important details that surround such procedures!

How To Decorate A Studio Apartment On A Budget

How To Decorate A Studio Apartment On A Budget?

How To Decorate A Studio Apartment On A Budget

How To Decorate A Studio Apartment On A Budget?

Are you on a budget all while trying to decorate your new place? Don’t sweat it, we’ve got you covered. Although it might appear quite challenging to decorate your studio apartment at low cost, we guarantee that by following a few simple tips and tricks, your new home will look fantastic without burying yourself in debt.

If, however, you do need a little extra hand in putting your decoration project together, you can search for a payday loans online. The latter type of providers offer the quick money you’re looking for.

Although your studio apartment may be built of a kitchen, bedroom, living room and bathroom all sharing the same place, the following tips will help you maximize space, get creative and demonstrate some real decorating talent!

Decorating a Small Apartment on a Budget

We all know how moving into a new place can be an exciting, yet stressful, moment. Of course, moving comes at a cost – including purchasing essentials like a couch, a kitchen table and probably a few dishes. Then, there comes the moment where you feel you need to make your new place look like home. This is where you need to remember that decorating doesn’t have to break the bank!

Discrete is Key

Sure. your one-bedroom apartment has got to serve many purposes – including a kitchen and dining area, a sleeping area and even a washing area. However, this doesn’t mean we need to see or use all the areas at the same time.
Start by considering fold-out furniture such as a Murphy bed or drop-leaf tables. Or, if you’ve really got the knack for at-home decorating, think about hiding everything like was completed in the 140-square foot apartment.

Save Space; Hide your Bed

There’s no reason to deny it – your studio apartment is probably really small. You may be thinking to yourself: There’s no way I can set my bed up in here! Before you panic and tell yourself you’ll be sleeping on the couch for the next year – check to see if you have any closets that you can enclose the bed into. If not, think about draping curtains around your bed for a little extra privacy. Doing so will genuinely help turn your studio apartment into a home instead of an open living space.

Natural Lighting

Always remember that windows and natural lighting will help in making your new home appear bigger and more luminous. Most of the time, curtains and blinds will already be installed when renting a property however, if this isn’t your case or you’d prefer a change in styles then consider creating your own all while respecting your budget! Better yet – you don’t need any sewing skills. Look for fusible bonding web, which is generally available at all fabric and craft stores. Use this material to create panels of fabric for windows and doorways.

A Few Mirrors Can Go a Long Way

There are two ways you can bring mirrors into your new place – making it look bigger and increasing the amount of natural light reflecting throughout the room. You can hang mirrors on walls or leaning against the floor in specific areas of your studio apartment to increase the roomy feel. You can equally purchase mirrored furniture – a two in one!

Choose Lighting Wisely

You can add additional light fixtures to a room to brighten up a gloomy space. There are many types of lighting so make sure you think of them all: Overhead lighting, lamps for dimmer lighting as well as floor lighting or accenting lighting for decorations!

Remember that when it comes to renting a property, you’re usually not entitled to changing the light fixtures. However, make sure you mention any lighting problems, such as a broken or nonfunctional ceiling fan, then this might be worth mentioning to your landlord.

Disguise Your Storage Space

Avoid making your studio apartment feel like a cluttered closet by disguising your storage space. Think of furniture that has more than one use, like an ottoman with storage inside or using a trunk for a coffee table. Another top trick in camouflaging your storage space is by painting, or purchasing storage items that are the same colour as your apartment walls, allowing the storage to blend into your studio apartment without dominating the space.

Accessories your Space!

Craving a little colour and personality in your new studio apartment? Start by going the non-expensive route and look for vintage or homemade decorations. Adding colour is completed simply enough by adding a few throw pillows or blankets to the couch. Small accessories also go a long way such as pottery, picture frames of family and friends or even a bookcase with all your favorite authors!

Finally, think about adding a little touch of green to your new home with a few plants. Aside from being extremely affordable, plants are generally easy to care for and have a true knack for bringing a room to life. There are even certain plant species that require very little care – if any at all!

In the end, you can clearly see that decorating your new studio apartment can be completed in a very affordable way. Take the time to plan what type of decoration style you’re looking for and from there, choose your items wisely. If you keep the above tips in mind when it comes to personalizing your one-bedroom apartment, then you’ll be relaxing in your new home in no time.

How to Build an Outdoor Kitchen on a Budget

How to Build an Outdoor Kitchen on a Budget?

How to Build an Outdoor Kitchen on a Budget

How to Build an Outdoor Kitchen on a Budget?

Have you been dreaming of extending your house, or more specifically your kitchen area, into an outdoor kitchen but keep putting it off because you’re on a budget? Well, your in the right place because we’ve got the tips and tricks you need to renovate at low cost! Not only are the outdoor household extensions absolutely loveable, they are equally gaining in popularity and add serious monetary family to your home.

If you want to start taking advantage of the good weather with your outdoor kitchen but are facing financial difficulties, you can consider a cash advance online or keep reading and follow a few of our top ideas!

Tips and Tricks to Obtaining your Low Cost Outdoor Kitchen

In an ideal world, we’d all have enough cash to setup a fully functioning outdoor kitchen in order to take advantage of the nice weather wherever possible. However, unfortunately, not everyone’s budget permits for a fully equipped kitchen with a grilling, cooking, preparing and cleaning area. You can still achieve your ultimate goal of having an extended outdoor kitchen on a budget though if you take into consideration the following tips and tricks!

Use your Imagination

Instead of purchasing all new fourtinutre for your outdoor kitchen, start by looking at what you already have inside your home. If you have a rolling serving cart or a movable island laying around the house or in the garage – now is the time to take it back out. Stock it up with your outdoor essentials: grilling tools, seasonings, paper towels, cooking oils and whatever else you may deem necessary. Dealing with rainy weather? Move the cart or island inside while the storm passes.

If you’re trying to stay on budget all while creating your ideal outdoor kitchen, then keep in mind you don’t need to purchase high-end, super snazzy outdoor furniture. To the contrary in fact, simple garden furniture such as wooden benches with lift up seats, deck boxes and resin cabinets all make for great outdoor kitchen furnishings. If you’re interested in having a water source at hand, you can think about adding a garden sink that simply hooks up to an outdoor hose! Better yet – they don’t even cost $100. You can also think about purchasing camping equipment which will definitely serve you well when it comes to cooking in the great outdoors!

A budget outdoor kitchen, much like most other home renovation projects, needs to be organized and planned out thoroughly. Now that you’ve listed your dream outdoor kitchen items, you can check online, browse home or even resale stores for appliances that will have your functional outdoor kitchen up and running at low cost.

The Basics and Extras

Have your outdoor kitchen area drawn out in order to be fully capable of visualizing the work to be completed. Drawing out the plan is important because there are quite a few basics that go into building an outdoor kitchen and you want to make sure you have access to them all. Such basics include a cooking zone, countertops for preparing and serving food, a storage for all your cooking and grilling necessities as well as garbage and recycling bins for easy clean-up.

Purchasing a grill can be quite a task so make sure you know what kind of foods you plan on cooking outdoors and make sure you choose a grill that suits your needs. Most of all, respect your budget!

From here, and only if your budget allows you to do so, you can think about including a few extras for added comfort in your outdoor kitchen. A few examples include a bar with stools, a roof to protect the chef and guests from the hot sun or even the pouring rain, an outdoor sink with running water, refrigerators and ovens!

Drawing out your Kitchen Plan

As earlier mentioned, having your outdoor kitchen plan drawn out is actually quite an important step in the building process, and for many different reasons.

First off all, a plan helps you determine exactly where you plan on situating your outdoor kitchen. Ideally, such would be installed as close as possible to your indoor kitchen, permitting for easy transfer of food, tools and dishes. More so and if possible, having your outdoor kitchen built as close as possible to an exterior wall is also quite an important element to keep in mind. Why? Well, an exterior wall not only allows easier, but more affordable access, to plumbing and electricity if such elements are allotted within your budget. Having to use your home’s plumbing directly will increase costs greatly.

Of course, the bare basics includes a gas or charcoal grill as well as a flat surface to deposit foods once cooked and this doesn’t cost too much at all. A more modern outdoor kitchen however requires a little more equipment and amenities.

More Ideas for Budgeting your Outdoor Kitchen

If you’re not feeling inspired or are lacking ideas to bringing your outdoor kitchen to life, then take these following ideas into consideration!

  • Outdoor kitchen integrated directly into your deck. This option already has everything you need to entertain outdoors!
  • Outdoor kitchen with bar and stool seating. A little more modern, this option may take a little more time and a little more cash to build, but you’ll definitely take advantage of it all year round!
  • Countertops made of concrete. This is the perfect material for building an outdoor kitchen for there is no need to worry about the weather or other outdoor elements.
  • Outdoor kitchen with a grilling island. This is the perfect addition to an already existing outdoor kitchen. This project can be built in a weekend or less and incorporates under the counter cabinets for extra easy storage.
  • Portable outdoor kitchen. If space is an issue, then think of a small portable outdoor kitchen instead. A serving cart can be ideal, has everything you need for cooking and grilling, and can be moved back indoors when not in use!

As you can see, there are many different ways that you can build your own dream outdoor kitchen. By following our tips and tricks, you can respect your budget and complete your project in no time. If by chance, you’re looking to remodel your interior kitchen instead, then head over to our article on how to remodel a kitchen on a budget now!

How To Remodel A Kitchen On A Budget

How To Remodel A Kitchen On A Budget?

How To Remodel A Kitchen On A Budget

How To Remodel A Kitchen On A Budget?

Kitchen remodeling is probably one of the most expensive home renovation projects there is. On average, total prices can range between $10,000 and $45 000, depending on the amount of improvements to be made. When it comes to renovating your kitchen, although it might be necessary, keep in mind that you don’t have to bury yourself in debit in order to do so. First off, one option for a little extra financial help would be to request a personal loan online for bad credit. However, you may be capable of completely avoiding the latter if you take note of the following expert tips for remodeling your kitchen on a budget.

Tips for Remodeling a Kitchen on a Tight Budget

Renovating your kitchen doesn’t have to break the bank. Find out how you can remodel with fast, simple and affordable ideas by reading on!

Set a Budget!

Although it might be the least amusing, setting a budget for your cheap kitchen renovations is the most important step. Many factors have to be taken in when considering your budget. First off, ask yourself how long you plan on living in the home – are you moving in a few years? If so, make sure you investigate other homes and prices in your area in order to ensure you don’t go overboard. If, on the other hand, your new place is going to be your forever home then plan your budget accordingly and only spend what you feel comfortable afford in order to obtain your dream kitchen.

The best way to determine how much money you can afford to spend is by comparing all your debts to your gross monthly income. You can write it all down on a list for clarity and visual support. Once completed, it’ll be easier to determine how much money you can spend monthly for your kitchen remodel. Only if necessary, you can discuss financing options with a financial advisor.

You should also plan for emergencies – such projects have a tendency of costing more than we planned for. The expert recommendation is to add a cushion of approximately 10% of your overall budget in case any surprises come your way.

Determine and Stick to Your Goals!

When shopping, getting distracted by all the innovative and eccentric products at the store can be quite easy – causing you sure budget problems in the long run. When it’s time to start purchasing your needs, make sure you know exactly what you’re looking for and try to stay away from any unplanned purchases.

Don’t Over Do Things!

When it comes to your kitchen remodel, it’s best to try and keep support walls, beams, plumbing and electrical lines in the same place. Such renovations are extremely expensive and can result in breaking your budget in no time. Keep in mind that varied rooflines, curved walls and grande arches may add personality to your kitchen, but they equally increase cost.

Hire the Experts!

Now, you’re probably saying to yourself: No way! Hiring professionals is going to cost me way more money then doing it myself or with my buddies. Well, that’s where you’re wrong. Sure, hiring experts might increase your initial cost however, doing so can equally save you quite a few bucks in the long run. Experts will help you in avoiding construction or design issues and can even suggest ways to save money on different materials.

Verify Several Contractor References!

Hiring the RIGHT contractor is also very important – make sure your asking for references. You want to avoid hiring someone who doesn’t communicate well, who’s often late and who doesn’t follow through on the projects they started. This type of situation will definitely become more costly all while causing you extra and unneeded stress.

Purchase Items on Special!

Now this one may seem a little obvious, however it’s important to point it out anyway. When shopping, keep an eye out for items on special, for clearance items, for end-of-season sales, rebates and even floor models. Doing so can really save you a high percentage on costs! If your less of an in-store shopper, you can equally find some great deals online – as long as you can trust the source you’re purchasing from.

Start Ordering Early!

When it comes to specific kitchen items or even custom-made articles like kitchen cabinets and windows, can take quite some time to arrive. In order to avoid having to put off your kitchen remodel for a few weeks while you impatiently wait for supplies, think of ordering in advance instead. Stay on track (and on budget) by having your materials on-site before starting any work.

Select in-stock items!

Although they might be appealing, earlier mentioned custom-made items such as kitchen cabinets and windows can turn your budgeted renovations into an out-of-this-world costly remodel. Instead, why not look for standard, in-stock models or even semi-custom products? You can still find these latter items in a wide range of differents colours, styles and price levels which will not only allow you to remodel your kitchen in style, but equally allow you to stay on budget!

Give a Hand with the Renovations!

Even if you have no experience whatsoever in renovating or construction, even the most basic do-it-yourselfers can help with certain tasks included in a kitchen remodeling project. For example, removing old kitchen cabinets, lighting fixtures and other small items that will eventually be replaced. On the other side of things, once major construction is completed, you can then help with putting things back up, installing light fixtures, applying paint and other finishing details!

When it comes to remodeling a kitchen, sure, certain modifications are inevitable but by following the above expert-suggested tips, you’ll be capable of renovating on budget without a hassle. And hey, if you’re feeling inspired while your at it, check out How to build an outdoor kitchen on a budget for more innovative renovations ideas!

How To Organize a Garage On a Tight Budget

How To Organize a Garage On a Tight Budget?

How To Organize a Garage On a Tight Budget

How To Organize a Garage On a Tight Budget?

When it comes to decorating your home, decluttering is probably the first and most important step. Without removing dust collecting trinkets and other useless items that are piling up around your home, you’ll never see the bigger picture of how, where and with what you should be decorating. When it comes to decorating on a budget, having a plan is extremely important in order to respect your finances. If you’ve caught yourself saying: I need cash now, then keep reading!

You may be tempted to quickly remove the clutter from your home and send it all into the garage. However, does sending the clutter and mess elsewhere really solve the problem? Learn more about budget garage storage ideas that will ensure you not only eliminate the clutter from your home, but avoid the accumulation from occuring in the garage!

How to Organize Tools in a Garage

Don’t start off with the idea that organizing a garage is a one-stop deal – it’s not. To the contrary in fact, everyone’s garage needs are different and for that reason, we’ve compiled a list of the top tricks to organizing and making the most of your garage space.

Practical Storage Wall

We all know that the garage is not the biggest space in the house – especially once the car is parked inside. So, how to fit a storage unit between the wall and the side of your car? Don’t stress it. The practical storage wall solves the problem for you, allowing you to benefit from a solid mounting for shelves and hooks without getting too close to your vehicle!

This type of mounting unit is created with a framework of horizontally positioned wood strips and shelves. It’s so solid that it can hold several hundred pounds of tools and other garage-related items. Easy to make on your own and very inexpensive, this storage idea is equally easy to organize and reorganize time and time again.

Ball Storage Rack

We can all agree that bouncy balls are great fun – but can be quite the hassle to put away when the fun and games have come to an end. However, thanks to the ball storage rack for your garage, you can mount and store several balls where ever your please. This is another Do-It-Yourself project if you feel crafty enough and the materials are quite simple: Plywood, dowels and elastic cord are pretty much all your need to rowdy up all those play balls and keep them from rolling around on your floor (or underneath your car!)

Sports Gear Rack

You can get dual use out of your ball storage rack by building it slightly bigger. Try 12 in. wide x 25 in. high x 16 in. deep. Once you’ve got your elastic cord threaded through the holes in the wood in order to create a netting, you can start thinking about optimizing the outside of your storage rack. By adding a few hooks or short gutter troughs, storing smaller balls or other outside toys or sports gear becomes much easier.

Building a Personalized Storage Unit

Are you rather jealous of the storage walls with rearrangeable vertical slats as well as various sized hooks and bins found in most all sport good stores? Well, guess what, you can easily incorporate this innovative retail system into your own home garage! In fact, this can be considered a pretty simple Do-it-Yourself weekend project – with quick and easy installation, your storage system will be up and running in no time. Better yet, your new storage can be reorganized and adapted to your needs as they change.

Garage Cabinets are a Useful Addition

There’s no need to point it out, but for most people, a garage can become quite the clutter zone – what, with all the different home improvement projects and seasonal gear, it’s to be expected right? Well sure, but if your situation resembles the latter one, then garage cabinets are likely to become your best friend. Before purchasing your cabinets, plan out your garage setup py taping the floor where you plan on placing your new storage units. Doing so will ensure that everything fits accordingly once you get back from the store. Best of all, an 8-foot melamine and pine storage unit will only cost you an approximate $27!

Store your Bins the Smart Way

This may seem pretty simple at first glance, however, bins can actually cause quite a problem when it comes to a cluttered garage. In most cases, these plastic storage bins get piled one on top of the other against a wall, making it literally near impossible to reach the bottom bin – especially for kids. To avoid the extra hassle, try storing your bins horizontally on a shelf. You can choose different coloured bins for different accessories and gear, making access all the more simple. Another easy trick would be to abolish the single bins completely and choose storage towers, which are an excellent means in saving space and storing efficiently.
Tip: The outside of the storage tower can be used to install hooks and hang lightweight sports equipment!

Get your Car Products All in One Place

Often times, differents car lubricants, oils and fluids can get pretty messy and in general, you want to keep such latter items away from children as much as possible. A good way to organize all your products for your vehicle all while keeping your family safe is to get yourself a cabinet that can store all these items. A fold-up door on special hinges is ideal for it doesn’t take up too much space and the door doesn’t swing outward when opening it up – avoiding any unwanted damage to your car!

Having to stick to a budget is often easier said than done however, by following the above ideas to maximizing your garage space, you’ll be well on your way to an organized, easily accessed garage in no time without ever breaking the bank!