Eliane Consalvo - KELLER WILLIAMS REALTY / Merrimack Valley



Posted by Eliane Consalvo on 9/25/2016

There are more cleaning supplies on the market than ever before. If you walk down the cleaning section of Target you'll find an array of brooms, scrubbers, and solutions that are all variations on the same simple ideas. Furthermore, these products have begun capitalizing on single-use components like a sweeper with throwaway pads or disposable dusters. All of these expenses add up and before you know it you're spending up to $70 each month just on cleaning supplies. Fortunately, many frugal consumers have noticed this trend and have come up with creative ways to save money on cleaning. In this article, we'll cover some frugal cleaning products and solutions that will save you a ton of money at the checkout line.

Sweeping, dusting, and mopping

Let's face it, the Swiffer is a great invention. It mops, sweeps, and dusts without the mess of a bucket of water. Plus it's lightweight and versatile making it useful for many surfaces around the home. The down side? Having to buy all of those expensive replacement pads. If you're like me, you feel a twinge of guilt whenever you throw out at item that seems wasteful. For me, cleaning supplies are the epitome of wastefulness. So, instead of using the throwaway pads you could do a a few things. First, you could buy a reusable pad online. Some are designed to fit various sweepers. Alternatively, there are some cloths that you can buy at your local dollar store that will fit onto your sweeper just fine. Once one gets dirty, put the next one on and sink wash them all when you're done. The other option is to knit or crochet your own sweeper cover. There are lots of patterns online that will help you get started, plus a hand-made cloth adds more meaning to the mundane work of sweeping the house. For those spots you don't dust with your sweeper-duster (like a TV, or the tops of picture frames), you could always dust with your used dryer sheets that you'd otherwise just toss in the trash. Keep them in a bag in your cabinet so you remember to use them.

Go paperless

Paper towels and napkins are always expensive and seldom on sale. Plus, all that paper usage does a number on the environment. Instead of reaching for a paper towel at dinner, keep a stack of microfiber cloths, handkerchiefs, or hand towels. When this isn't possible, like in the case of a big cookout, use choose-a-size paper towels to get more usage out of a roll. And speaking of choosing a size, the next time you buy sponges or "magic erasers," cut them in half to double the length of time you can use them.

Cleaning solutions

Making your own cleaning solutions has many benefits. First, you get to save money because the supplies tend to be cheap, household items. Second, you get to avoid all of the harsh chemicals that are often added to commercial cleaners, helping your health and the environment. Third, you can make them in bulk and not have to worry about them running out. Recipes for homemade cleaning solutions and air fresheners are abundant online. In general, however, they rely on a few simple ingredients: water, vinegar, baking soda, and some type of citrus like lemons, limes, or oranges.





Posted by Eliane Consalvo on 1/31/2016

Do you have clogged drains? All of us will experience a backed up drain at some point in our life. Store bought drain cleaners have harsh chemicals and can be expensive. Homemade drain cleaners can be an effective alternative to the store bought ones, and you probably have everything you need in your home already. Here is how to clear your drain the natural way in just a few minutes: 1. Pour ½ cup baking soda into the drain. 2. Pour ½ cup of vinegar into the drain. 3. The ingredients will start bubbling and fizzing. 4. When the bubbling and fizzing has stopped pour boiling water into the drain. 5. Flush the drain with hot water. You may have to do this a few times, but soon your drain should be as good as new.





Posted by Eliane Consalvo on 1/18/2015

Imagine if you could make your student loan disappear. According to American Student Assistance, a non-profit that aims to educate young people about money say it is possible. Both the federal and state government, as well as some non-profit organizations offer loan "forgiveness" programs. Do the right paperwork and you could be loan free. While there is no single comprehensive listing of loan forgiveness programs, there are programs for some specific professions. Here are a few of those: Law school graduates who become a district attorney or a public defender are eligible to apply for the John R. Justice student loan repayment program. This program pays up to $4,000 a year towards an eligible applicant's debt up to the maximum of $60,000 per graduate. The National Health Service Corps offers an even more generous program for health professionals. This program repays up to $60,000 in debt in just two years for students working in medicine, dentistry or mental health in underserved communities. Graduates who are willing to work part-time on medical research could eliminate up to $35,000 in debt per year with a program funded by The National Institutes of Health. If you are willing to trade a few years of service for loan forgiveness you are in luck. There are various federally funded loan repayment programs for fire fighters, teachers, nurses, librarians, speech pathologists and employees of non-profits.  The programs don't typically ask graduates to work for free but they might receive less pay in order to repay the loan. The value of the loan repayment is likely to more than compensate for the lost wages. Because there is no comprehensive list of forgiveness programs it pays to do your research. There are many organization's websites that can help students find the right fit.





Posted by Eliane Consalvo on 1/4/2015

Who doesn't love a bargain? Some of the best shopping deals these days can be found online. Savvy shoppers even know that some days are even better than others to find the biggest savings. ShopItToMe.com, a website that looks at online retailers, ran a survey to see what days of the week online websites offer the biggest discounts. Here is what they found: Mondays: If you are looking for men's and women's dress pants try Mondays. ShopItToMe found the average sale price is about 48 percent off. The site also found Mondays are great for purchasing sunglasses with an average discount of around 55 percent. Tuesdays: If you are shopping for men's clothes, it may be pants on Mondays but all other men's apparel is typically on sale on Tuesday with a discount around 42 percent. Wednesdays: You can save an average of 38 percent on shoes. Also look for great deals on kids' clothing with an average discount around 40 percent. Thursdays: Handbags lover's Thursdays typically offer a 36 percent savings. Fridays: Once you have purchased a new handbag you will need accessories to match. Look for an average of 42 percent off jewelry, belts and scarves. Saturdays: Underwear and outwear are on deep discount on Saturdays. Shoppers can save an average of 37 percent on intimates and a whopping 51 percent on jackets and outerwear. Sundays: Swimsuit prices are reduced approximately 52 percent on Sundays. What are your best online shopping tips?




Categories: Money Saving Tips  


Posted by Eliane Consalvo on 6/22/2014

Choosing between satelllite television or a local provider in today's world is a lot more complicated than it was a decade ago. Cable TV has made a concentrated effort in the last decade to offer the channel variety of a satellite television service, while satellite television has tried to offer the same kind of bundle deals to their customers that make cable subscriptions so appealing to people who like the idea of an all-inclusive bill for their at-home entertainment. While both services can be very rewarding in terms of quality of service and variety, your family's entertainment needs will have to be ultimately considered if you want to make the best decision possible. In this guide, I will attempt to highlight the best features of each service, how they stack up to each other in terms of quality, and illuminate the potential drawbacks for each. Cable TV Cable television offers you an easy opportunity to condense all of your digital services into one package (Phone, tv, and internet.) While some satellite television companies offer similar packages, they usually have to hire a third-party company in order to be able to do so. And with cable television moving into the digital realm a little more every year, they are now finally providing picture quality that you could only previously get with satellite television. Additionally, you never have to worry about bad weather affecting your reception like you would if you were to chose a dish network. Also, many cable companies now offer DVR as part of their digital packages, which allows you to pause, record, and rewind any program you'd like, a service only previously available to satellite customers. If your family's home entertainment needs center around fast, high-quality internet service, and your television requirements can be satisfied without needing hundreds of channels, a cable television package will definitely suit your needs. Satellite TV While it may sound like Cable TV is the more appealing option at this point, you must consider a few things; namely, Satellite TV absolutely trumps cable in terms of the sheer variety of programs and content. Dish TV boasts a roster of 250+ channels, and the number is always growing. That includes over 80 PPV channels, whereas cable can only manage about 40. In addition, satellite television offers you a slew of international programming that a cable service simply cannot compete with. Dish TV also consistently outperforms Cable in terms of customer service ratings. But while Dish TV currently has the edge in terms of variety, your access to local programming is pretty limited. And, as mentioned previously, reception can be an issue during inclement weather. Your property will also need to have an unobstructed view of the sky in order to receive optimal reception, which can be a problem for some homeowners. As far as pricing is concerned, your television needs may be the determining factor. If having television in every room is a must for you, then opting for a cable package may suit your needs better. Satellite companies tend to offer per room fees, which can be expensive in the event that you would like the service to extend beyond one or two televisions. There is also the equipment cost to consider. While opting for a satellite package may cost you more money up front, your monthy bill will more often than not be lower than a cable package, as maintainance costs tend to be lower. For additional information on cable television, please visit www.comcast.com or www.verizon.com/fios For additional information on satellite television, please visit www.directstartv.com or www.dish.com