Now that summer is here, that means two things for your lawn and garden for most of you. Either you will have a brown lawn and save money on your water bill, or you will have a beautiful, green yard and an enormous water bill to match.

But there’s a third way. Here are a few solutions to keep in your yard looking nice during the summer without spending a lot of money on water.

1. Invest in A Smart Irrigation System

We have been using the Rachio Smart Sprinkler System, and it makes a huge difference in our water bill and how nice our lawn looks. We are currently under strict drought regulations, so it is very important for us to stick to a certain water usage. Since switching to a smart irrigation system, we regularly save $30-40 each month on our water bill, our lawn looks greener, and our water usage is under the average usage for our city.
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Have you ever wondered where the term “nest egg” comes from? Not surprisingly, it’s a farming term. In order to motivate hens to begin laying eggs, or to lay more of them, farmers placed eggs (both real and fake) in their nests.

In finances, this term refers to any funds set aside for a specific purpose, so they can grow and be used later in life.

When you’ve heard the term nest egg before, you may have thought only of retirement savings. This is just one of the many purposes for which people start and contribute to a nest egg.

Nest eggs can be created for funding any large investment, including your child’s education. College is expensive. Personally, I want to learn my from own experience of being forced to rely on student loans when it comes to planning for my own children.

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live below your means
Spending more than you can afford doesn’t sound like a smart idea, but the reality is that most people in our country fall into this trap. According to a recent survey by CareerBuilder, 78 percent of U.S. workers live paycheck to paycheck and more than 1 in every 4 workers do not set aside any savings each month. That’s a really scary statistic, considering most Americans aren’t saving for retirement.

The easy answer to fixing this situation for most people is living below your means. It’s, of course, much easier said than done though. How do you live below your means when it already feels like you’re barely scraping by? The answer isn’t easy, but here are 4 things you can do to ACTUALLY live below your means:

1. Dissect Your Discretionary Spending

We know how important it is to have a budget and stick to the numbers. Most of us have some kind of category in our budget for discretionary spending, whether it’s on gizmos and gadgets or entertainment, but many of us don’t really know what exactly goes into your discretionary spending category though. Look at every transaction and try to understand exactly what you’re spending your extra money on.

You might be surprised to find that many of those transactions are totally unnecessary and some might even make you mad. Remember that feeling because it’s time to start making cuts. Keep a few things you spend on monthly that makes you tick but double check that this category doesn’t represent a significant part of your budget.
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When it comes to investing, many of us are worried about making mistakes.

After all, your money is on the line and you don’t want to lose any of it. Unfortunately, that very feeling of risk aversion might increase the chances that you make investing mistakes. On the flip side, you are also more prone to mistakes if you are overconfident. Both of these situations can lead to investing mistakes that can cost you big in the long run.

Here are the risks associated with being too risk averse or feeling overconfident:
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If you have a pet, you definitely know how much love and joy they can bring into a household. They truly are a man’s best friend. But these furry friends can also be very expensive.

According to the ASPCA, the average cost of a small dog in it’s first year is a whopping $3,221. A cat is less expensive at $1,904, but that’s still a considerable amount.

We recently added a little kitten to our family and spent $200 on our first vet visit! There were many more visits after that, not to mention all the vaccinations and spaying that were required.

Costs can add up quickly, especially if your pets have medical emergencies, but with a little careful planning you can still enjoy having them, while spending a little less. Here are 5 ways to save money on your pets.
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american flag
We all know that Memorial Day isn’t just about sales, but you have to admit retailers have done a pretty thorough job of conditioning us to associate summer’s first holiday with a major sale event. Although we obviously shouldn’t plan commemorative ceremonies and family gatherings around our favorite retailers’ events, there’s no harm in taking advantage of them if it’s in the budget. Below you’ll find the scoop on which items will be featuring the deepest discounts, along with strategies for shopping savvy and saving even more.
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