Tips for Creating a Household Budget

  • MAKE GOALS

Goals can be as short-term as buying a new pair of shoes next week, or as long-term as going on vacation next spring. Regardless of what your goals may be, the only way to achieve them is to start planning them out now.

  • INVOLVE YOUR ENTIRE HOUSEHOLD

If it’s just you, great. But if you have a spouse and/or child, create a budget together, and explain to everyone that they may be asked to make sacrifices. When you plan together, you succeed together.

  • BUDGET IN FUN

A budget that leaves no money for an occasional dinner out or for a family outing at an amusement park is designed to fail. Your budget should help you, not put you in a bind. When you decide on a budget that works for you and your family, you’ll be able to enjoy the simple things like a trip to the movies, or more lavish like a trip to Paris.

  • MAKE THE EFFORT TO SAVE

Most people look at saving as putting away money for a rainy day. But a better way to look at it is putting away money for a nice vacation or something on your wish list.  Start with the spare change you have after a cash purchase or connect with a financial advisor that can help you start putting away towards your monetary goals.

  • TAKE INVENTORY

If you don’t know where your money goes, how do you expect to manage it? Keep track of your savings. Make sure you know where your money is being invested whether it’s your savings account, 401k, or IRA.

  • DISTINGUISH BETWEEN WANTS AND NEEDS

Buy what you need first. The wants belong in the “what’s left over” category. If you can’t decide what a Want versus a Need is, the best way to look at it is what would improve your life long term, not temporarily. Consider the differences between needing a new computer or wanting a designer accessory.

  • EXPECT CHANGES

Look down the road and get into the habit of thinking ahead. Life happens, especially as a homeowner. That’s why you should always plan for life changes, big or small.

  • FIND A SYSTEM THAT WORKS FOR YOU

It could be the envelope system, a bank or a credit union. If it works for you, use it. With today’s technology you can save seamlessly from the palm of your hands.

Regardless of how you save or for what reason, it is important to make efforts towards the future now, no matter how close or far down the road. Save towards fixing up your kitchen. Save towards a family vacation. Or save for the simple things like a fun night out. Build the perfect budget for your household today!

LA Eats: March Madness Sports Bars Edition

March is many things. Spring…Leprechauns…and for sports fans March Madness. With the highlight of College Basketball Season kicking off and our brackets breaking down potential winners one question remains. Where does one watch the big game? Read below for LA’s best sports bars to cheer on your team because this round-up is a guaranteed 3-pointer!

Clearman’s Galley

Location: San Gabriel, CA

San Gabriel bar and restaurant Clearman’s Galley is not only offering tons of TVs for catching all the March Madness action, they’re also doing a bracket that customers themselves can enter, with the winner earning a $200 gift certificate to the restaurant.

Rocco’s Tavern

Location: Pasadena, CA

With locations from Westwood to Pasadena, Rocco’s Tavern is obviously doing something right. The Green Street location in Pasadena is small but mighty, and for March Madness is doing limited happy hour deals starting at 9 a.m. Thursday for the early games.

Mr. Furley’s Bar

Location: Glendale, CA

Inexpensive cocktails, comfort food, and lots of TVs make Mr. Furley’s a natural place to catch all the college basketball action in Glendale.

Barney’s Beanery Burbank

Location: Burbank, CA

Barney’s Beanery is a staple mini-chain across Southern California. The places are always bustling with sports fans and casual drinkers just in for a nightcap, and the hearty familiar fare keeps everyone happy.

Common Space Brewery and Tasting Room

Location: Hawthorne, CA

Common Space is one of the more talked-about breweries in Southern California right now. The casual Hawthorne warehouse space is kitted out with lounge seating, communal tables, and a few well-placed TVs for catching the action. Everyone loves the beer too, of course.

The Fields LA

Location: Los Angeles, CA

There may be no better place to catch the NCAA tournament action than at the Fields, attached to LAFC’s Banc of California Stadium just southeast of Downtown. With multiple vendors to choose from, loads of TVs, and the upstairs Free Play restaurant from Tim Hollingsworth, this place has it all.

Hi Tops

Location: West Hollywood, CA

San Francisco export Hi Tops is now in West Hollywood, turning on the TVs for big night games and offering a variety of cocktails and beers in addition to some pretty awesome nachos.

Bludso’s Bar & Que

Location: Los Angeles, CA

Bludso’s is a must for any sports fans. The casual spot for brisket, sausage links, and drinks is wall-to-wall with televisions, and it’s not uncommon to find fans of different teams crowded together around the same tables, yelling at the action on the screens.

Busby’s West

Location: Santa Monica, CA

Busby’s is synonymous with Westside sports watching. The anchor bar has for many years seen fans come to cheer on their squad, especially during the busy March Madness tournament.

Beer Belly Long Beach

Location: Long Beach

Long Beach has really embraced the second location of Beer Belly. The popular comfort food and craft beer corner spot isn’t as rowdy as some other local hangs for watching the games, but the menu and design still make this place a must for locals looking to watch some college basketball.

 

Courtesy of: Eater LA

10 Spring Cleaning Tips for Your Home

Now that spring is officially here the time to tidy up around the home has also arrived. As cliche as it sounds to “Spring Clean” there is no better time to clean house and spruce up in and around your abode. That’s why we have rounded up 10 of the best tips to clean your home for the Spring Equinox!

 Bye, Bye Dust Bunnies!

  • Use a sticky lint roller to clean dirt and pet fur off the lower parts of drapes. For a deeper clean, take the drapes down, remove the hooks and run them through an air-fluff cycle in the dryer with a damp towel for 15 minutes. Rehang immediately after.
  • Dust blinds often with a microfiber cloth, swiping left to right and blade by blade from top to bottom on each window.
  • Spring is allergy season so dust end tables and shelves in your home thoroughly to keep allergies at bay.

The Rinse Cycle

  • Wash out trash cans. To really clean garbage cans, spray them thoroughly with a hose and then dump the water out. Afterwards use a disinfectant spray on the inside, then scrub the trash can with a handled brush and rinse it out again. Leave the trash can upside down to thoroughly dry.

Kitchen Kleanse

  • To clean glass, chrome or steel appliances, fill a spray bottle with a mixture of 50 percent rubbing alcohol and 50 percent water. Then use a dry cloth to polish and clean the surfaces to remove spots and fingerprints.
  • The refrigerator can become an unexpectedly cluttered place. Organize it once it’s had a thorough cleaning. Keep highly perishable food front and center and sort the longer-lasting ingredients and toppings by category.

 Scrubba-Dub the Tub

  • Maintain the tile surfaces of your bathroom, especially the shower by spraying the surface with generous amounts of cleaner. Allow the cleaner to sit while cleaning the rest of the bathroom, then go back to start scrubbing. If the grout is dirty with mold or mildew, make a paste of washing soda and peroxide to deep clean and disinfect.

Bedhead

  • On average we spend about 3,000 hours a year in our beds, almost the equivalent of four months to be exact! With that in mine, keeping our mattresses clean is as easy a flip of a coin. Rotate your mattress a few times a year and vacuum the surface. Afterwards sprinkle a mixture of baking soda and a few drops of essential oil. Let the mixture sit for a couple hours then vacuum the mixture away.

Office Space

  • Spend the day getting your files organized and space decluttered. Aside from going through papers on your desk, you should also take the time to back-up files on external or cloud devices so they’re secured. Have a lot of documents to toss? Make sure to shred anything personal before throwing it in the bin!

Outside and over Yonder

  • Cleaning your outdoor furniture is incredibly simple, but easily forgotten. While the rain can wash away some dirt and pollen, a thorough wipe down with a mild detergent goes a long way. Make sure to check your furnitures manufacture guidelines if a special care routine is required.

 

 

 

 

The Benefits of Solar Panels for your Home

Here in California, we lead the forefront in the nation for our clean energy initiatives and green living. It should come as no surprise then, that so many people are switching over to Solar Power for their homes. Sunny California is home to the top two solar installers(Telsa/SolarCity) as well as the world’s most efficient solar pane manufacturer(SunPower). Factor that in with the state’s high cost of electricity  and notably lower solar prices and its a no brainer. Read below for our tips on switching over to Solar Power and save your energy of searching the web on your own!

 

1. Compare all your options: get as many quotes as possible

If you are considering installing solar, research and consider every option that you can. Various resources such as the National Renewable Energy Laboratorythe California Solar Initiative and others can offer pricing data. Additionally, there is a long list of companies in the state that can provide free PV quotes.

2. The largest installers will not necessarily offer the best price

Although large companies will often bring out superlatives like ‘biggest installer’ in their sales pitches, this does not mean that they offer the best value. The premise is simple: massive installers already have market share and brand awareness and thus do not need to offer the best prices and value. When small installers compete in a price auction, on the other hand, the result is some of the lowest bids you can find in the U.S. for a PV installation. Make sure you price compare to ensure your getting the best value!

3. Different products for different people

Just as a Lamborghini might not be the right choice for everyone in the market for a car, the same concept applies with solar. Not everyone needs to shop for the most expensive solar PV equipment. There are many different types of solar panels and inverters for different needs and preferences. For the price-oriented, value-focused consumer, it is easy to save thousands simply by choosing standard solar panels instead of a premium top-of-the-line brand.

There is a hefty list of solar panel brands that offer a wide range of features and prices.

How much could I save?

Solar panels offer homeowners a wide range of financial benefits. This is largely based on the sizes of the rooftop solar systems, average electricity rates, and local incentives.

As an example, let’s assume that you live in Los Angeles and fit the average profile for an L.A. homeowner:

  • You are paying 20.3 cents per kWh (48.2% more than the national average)
  • You’ll purchase 7,200 kWh of electricity each year
  • You pay an average of $92 per month for your power bill (but that’s climbing)

If you were to install a 2.4 kW solar power system on your home, you could see the following savings over the course of the system’s 25- to 30-year lifetime:

  • Monthly Savings: $80-$145 (more over time depending on rate hikes)
  • Lifetime Savings: $25,000-$43,000 (more over time depending on rate hikes)

Investing in your home

Saving on power bills isn’t the only financial benefit to going solar. A commonly overlooked personal benefit is how it affects your property value.

While some expect rooftop solar to devalue a home, it actually increases your home’s value. Most homebuyers save on electric bills with a solar home and are willing to pay more for it.

The National Bureau of Economic Research found that solar panels add, on average, between 3% and 4% to a home’s value. In fact, it’s one of the smartest investments you can make on your home.

10 Simple Curb Appeal Secrets

Boost your home’s curb appeal without draining your wallet. These simple, budget-friendly fixes—like adding a wreath, painting the front door, or tending to the landscape—will make your home look like a million bucks.

Refresh a Planter

Pay attention to your planters. Add character and interest to your home by planting flowers in salvaged or repurposed containers, like barrels, birdbaths, and wheelbarrows. Look for inspiration in items you already own and at flea markets.

Have a Seat

Seating can add major curb appeal without much cash. Look for something simple and eye-catching, like a pair of chairs found on Craigslist or a repurposed wooden bench. Add color with cushions and bright pillows—just be sure to use durable, weather-resistant fabrics.

Lantern Light

 

Flea market finds—like these majestic lanterns—add rustic beauty at little cost. Keep your eyes open at thrift stores, flea markets, and garage sales for statement pieces that can flank a front porch.

Add a Wreath

Wreaths aren’t just for the holidays. Dress up your front door year-round with wreaths in a variety of fun textures and designs. Snag decor at a discount by planning ahead and buying items well in advance. Fall wreaths, for example, go on sale in November and December, so buy at a reduced price, then store until September rolls around.

Keep It Bright

Make a statement with a colorful front door. A fresh coat of paint can work wonders on any surface, and a bright hue ensures that your home will stand out in a sea of neutral colors. Simple materials you likely already have on hand—paint, primer, and brushes—keep costs low.

Light It Up

Warm lights and lanterns give off a homey vibe without much effort. You likely already have some sort of porch lighting, but consider adding a spotlight on a favorite tree or lanterns along a walkway.

Simple Symmetry

Symmetry is pleasing to the eye, but it can be difficult to obtain in home design—especially if your home wasn’t built with balance in mind. Capture the effect without a remodel by creating a symmetrical front porch or walkway. Matching potted plants flanking a set of stairs or identical rocking chairs on each side of your front door will do the trick.

Build Character

High-end curb appeal lets your home stand out—in a good way. The key is to play to your home’s strengths and architecture. If you’re on a budget, pick one feature to home in on—like shrubbery, lighting, or the front door—and make it the focal point of your exterior.

Courtesy of: Better Homes & Gardens

Fun things to do in LA this March

There’s more to this month then March Madness. With so many fun activities in LA we thought you might need more then the weekend round-up. Read below for a collection of events happening throughout  the month and discover your inner Angeleno!

The Other Art Fair is Coming to Downtown L.A. (March 28-31)

The Other Art Fair Los Angeles returns to Magic Box at The Reef. The Fair takes place March 28-31 for the 3rd edition of its independent artist showcase. See a curated selection of over 140 independent artists and check out thousands of pieces for every budget in one space.  -> More information

The Torrance Cherry Blossom Cultural Festival (March 31)

The Torrance Cherry Blossom Cultural Festival comes to Columbia Park on March 31 for a unique blend of cultural performances with a fun variety of crafts by local artisans, centered around the blooming cherry blossom. -> More information

LA Plaza de Cultura y Artes Celebrates César Chávez Day (March 31)

This free celebration features a guest speaker from the Cesar Chavez Foundation, Xipe Totec Aztec dancers, live music by Lorenzo and the Carnales, plus art, garden, and culinary workshops -> More information

Courtesy of: WeLikeLA

Home Security Tips and Tricks

Your home is your sanctuary. It is a place where fond memories are made and relaxing evenings are spent after a busy day. Your home is a safe haven where you and your family most feel at ease. If your home is under-protected this may compromise the security you feel in your own home.

Using a few simple home security tips and tricks, you can protect your belongings, thwart would-be thieves and increase your feeling of security while home and away.

Prevention begins outside your home from the minute it comes into view. Take a walk around your property with a critical eye to see what changes it needs.

Consider these tips to help keep you and your family, and your possessions, safe and secure:

Icon of fenced yard.

  • Landscape with safety in mind. As you walk around your property, look for areas that could be potential hiding spots for thieves, who prize the privacy they provide. Try and clear away any overgrown areas.

Icon of shield.

  • Talk with your local police department. It can offer insight on past break-in trends in your area.

Icon of home with shrubs out front.

  • Get to know your neighbors. Take the time to meet and engage with people on your street and encourage them to watch out for any suspicious activity when you’re not home.

  • Lighting matters. Lighting can set the right ambiance inside your home, but outdoor lighting can be the difference between your home being targeted – or not – by thieves. Motion-sensitive fixtures can help add security and provide light when needed.Also consider using automatic timers or smart lightbulbs that can be controlled remotely to turn lights on and off in various parts of the house to help make it seem like you are home.

  • Avoid advertising that shopping spree. Thieves look for and steal newly delivered boxes on your front porch, a method called porch pirating, so consider having them delivered elsewhere or requiring a signature for delivery. Thieves may also look at clues provided by your trash or recycling, which may indicate the new computer or flat-screen television inside.

Icon of padlock.

  • Set a safety routine. Make sure you establish a routine where you regularly lock all doors, shut windows and turn on your alarm system every time you leave your home. Avoid leaving spare keys outside, under a planter or under a welcome mat, as thieves know most of the potential hiding places.

  • Manage visibility. Make sure you can see who is at your front door without opening it. Avoid placing valuables where they will be visible from the street, and do not place your home alarm panel in a place where people can see you arming it from the outside.

  • Protect your outdoor valuables. Burglars also target sheds, garages and other outdoor buildings. Secure your grill, lawn mower, bicycles and other outdoor gear.

Icon of watchful eye.

  • Create a plan for when you are away. Hold your mail, stop your papers and ask a friend or neighbor to remove flyers from your property. Arrange for snow removal and lawn mowing so you do not advertise when you are away from home.

  • Install a home alarm system: While an alarm may not keep burglars from getting inside your home, it will deter some and bring the police to your home quickly, limiting what a thief is able to take. Home security systems will only work if you always remember to engage the alarm. You should have your alarm engaged while you are away or while you are at home as many thieves will attempt to break into one part of your home while you are busy in another. Also, some insurance companies may lower your home insurance premiums for having a home alarm system installed.

Icon of broken glass.

  • Take precautions to protect windows: If you are purchasing new windows for your home, it might be worth the upgrade to buy shatterproof glass. This would prevent anyone from breaking a window to gain access to your home. If new windows aren’t in the budget, consider adding a security film to windows. This will prevent the glass from shattering upon breaking and may deter thieves from continuing their attempt to break in.

Icon of open sliding glass door.

  •  Secure sliding glass doors: Sliding glass doors have incredibly flimsy locks. A thief can easily pop them in an instant, giving quick access to your home. Installing a security bar for sliding doors would make gaining access to your home more difficult. This measure of protection is a must-have for all sliding doors and windows.

Icon of key.

  • Change the locks as necessary: If you’ve just purchased a home from someone, your first order of business should be to meet the locksmith at your new home. You have no idea who is out there with a key just waiting for the moment to use it. In addition, if you’ve had a breakup recently, it is time to change the locks. The person may give you the key back, but you have no idea how many copies are out there. Having the locks changed is good for the peace of mind.

Keeping your family, your belongings and your home safe and secure does not involve a lot of money. A few simple changes such as the home security tips mentioned above can protect everyone and everything for years to come.

LA Eats of the Week

With all the hustle and bustle in LA, narrowing down the best places to grab a bite can be tricky. Rather then making your routine stop at Panera Bread, why not try something new. LA has more restaurants then there are Bird scooters. With that in mind we’ve narrowed down the best places to nosh this week.

Breakfast is the most Important meal of the day!

Here’s Looking at You

Location: Koreatown

While most restaurants don’t put too much creativity into their brunch menus,  chef Jonathan Whitener is bringing fresh ideas and energy to the table. Take for instance his coconut waffle with koji, blueberries, ume (Japanese salty plums), and smoked maple syrup.This dish is far more interesting than it needs to be, going above and beyond the brunch-time status quo. Respect the waffle. 

Pikoh

Location: Los Angeles, CA

The menu weaves across the hours with a mix of rethought American classics. From breakfast bowls with activated charcoal or a smoked salmon tartine with yuzu cream cheese. To lighter lunches like grilled tuna salads or hummus and steamed mussels. For dinner there’s a full bar run by lead bartender Jamie Clark and surprises like an all-vegan beet-based bao, or a throwback filet mignon atop wasabi mashed potatoes. Throw in a daily happy hour, and it feels like Pikoh really can do it all.

Lately

Location: Chinatown

Lately’s menu is an all-day savory jaunt, with their breakfast sandwich sporting an organic fried egg, gouda, and oven roasted tomato on an English muffin. They also serve biscuits, a soft scrambled toast, a heaping avocado toast, salads, breakfast bowl, and a country-fried steak sandwich.

Power Lunch

Urban Radish

Location: Arts District

Urban Radish, the healthy-eating oasis in the Arts District is the perfect lunchtime spot. The outdoor grill is hidden behind a row of water-circulating vertical planters brimming with kale and other greens. Look through the foliage to find one man and a stack of tickets. Skirt steak, salmon, chicken; it all hits the hot metal and gets served over healthy grains and greens to a slew of daytime diners. Yum! 

Tacos 1986

Location: Koreatown

 LA’s best new taco stand has landed a highly visible location in Koreatown. Meaning it’s the best time to stop by during weekdays. Ask nicely for the chicharron de queso con hongos, paired with the stand’s excellent mushrooms. The best part about Tacos 1986 is its accessibility, placed right in the heart of Koreatown. Located at a crossroads for anyone traveling to Hollywood or Downtown, South LA, or Mid-City. What’s better than a taco pit stop? 

KazuNori

Location: Los Angeles

With open seating and rapid rounds of sushi hitting plates, KazuNori is the place to find some of the LA’s freshest fishes. It’s not uncommon to find a long line, which can be surprisingly short thanks to the restaurant’s efficiency. Choose from three to six hand rolls, which are made in plain view. The chefs transform the sea bream’s tender flesh and shiny silver skin into an elegant and perfect hand roll. Order a Sapporo and watch the chefs do their magic. 

What’s for dinner?

Tartine Bianco

Location: Los Angeles

Newly opened, Tartine Bianco is a hot ticket dining spot. The chicken liver toast is an early stand out and quite possibly the most thoughtful dish. The base of the matter, a crusty slice of the restaurant’s famous bread, sturdily held onto the pretty pink liver, as well as dollops of kumquat puree and blood orange segments. Balance comes among the varied components, hitting the brightest of notes with just enough richness to bring it home.

Jame Enoteca

Location: El Segundo

Jame Enoteca is well on its way to becoming a new kind of standard for the city of El Segundo. The corner strip mall option makes all of its pastas in-house and keeps a cozy but refined sort of vibe. Of particular noteworthiness (though all of the pastas seem to be pretty delicious) is the off-menu occasional lasagna with assorted foraged mushrooms. Pair it up with some vegetables to start and maybe a glass of wine, and be well on the way to a very full and very relaxed time in the South Bay. 

Atrium

Location: Los Feliz

The chefs at Atrium have whipped up pristine dishes with flavors that are unique and strong, just the way Angelenos like it. The beef carpaccio, inspired by the chef’s love of carne asada, is topped with crispy potato matchsticks, a thick salsa macha, and avocado crema. Those crunchy, salty, and savory layers makes for fun eating, but one plate might not be enough.