Buying a home is expensive. By the time it’s all said and done, you’ve likely used all or most of your financial resources to secure the property. When the time comes to start moving, it may seem practical to save money by holding onto everything you can. Contrary to popular belief, however, taking everything from your old place to your new one can cost you more. 

 The more you pack, the more moving supplies you need, the more time and energy you spend packing. Not to mention, whether you rent a moving van or hire movers, the size of your load will determine how much you’ll pay to transport your belongings. 

For these reasons and more, it is simply best to get rid of certain things and purchase new stuff once you get moved in. How do you decide? Below are some suggestions. 

Old Appliances – If your new home doesn’t have appliances like a refrigerator, stove, washer, or dryer, you might be tempted to load your old ones up on the moving van and take them with you. Yet, if the appliances were on their last legs in your old home, it would make more sense to sell your old appliances and use the money to purchase new ones once you get settled in. 

Old Mattresses and Box Springs – Why bring a beat-up mattress and box spring to your new bedroom? They can be the host of everything from dust and debris to mites and other bugs. Transporting your mattress unnecessarily can end up being more of a nightmare than it’s worth. Not to mention, it’s pretty cumbersome to lug up or downstairs and into a truck. Simply order a new organic mattress and memory foam mattress foundation online and have it delivered to your new place.

Unworn or Damaged Clothing – Purging your closets is one of the top recommendations before a move. Over the years people have a habit of holding onto more clothes than they really need. Some have never been worn while others are outdated, stained, or ripped. 

Food – If you have a stockpile of canned or boxed goods in the kitchen you should probably start eating those items before the move. You can also donate some to a charity or give them to friends and family who may be in need. However, these items simply weigh down the truck. As for perishable items, they simply don’t travel well. 

Disabled or Old Vehicles – Cars cost a lot of money to transport whether you’re moving a city away or states away. So, unless the car has some sentimental value to you, it’s best to get rid of it. You can sell it to a salvage yard for parts or try and sell it to an individual buyer. 

Old Furniture – Don’t load the couch with a missing leg or the loveseat with holes in it onto the moving truck. Old furniture will only create a hassle in your new home. Even if you have to wait a while to get new furniture, it’s better than trying to patch up something that could give out on you at any moment. Not to mention it’s bulky so it will be difficult to move and costly. 

Selling Your Items

After you’ve gone through your entire house to discern which things you’ll pack and which you’re going to sell you can begin deciding how you’ll get this done. You can host a yard sale before your move, you can take photos of the items you have for sale and sell them through the classifieds, or you can sell them online through platforms like eBay. While yard sales can be a bit more work, selling your things online will take a lot longer and can cost a lot more to ship things to their new owners.  But you may be able to sell your things faster on Amazon if you use the right amazon marketing.

Moving is stressful enough. It also costs a pretty penny. Why frustrate yourself or stretch your budget further by trying to hold onto things that provide no real purpose or value? Rather than busting your back to move bulky, cumbersome items that will just end up being thrown away once you get to your new place, simply find a way to get rid of them now. Whether you sell them online or host a yard sale, the money you receive from it will certainly come in handy.

Moving home is one of the most stressful things that you can do in life. But, it doesn’t always have to be that way. When you’re organized and go through it step by step, it’s much easier than trying to deal with it in a haphazard manner.  Don’t get me wrong, it can still be stressful organising certain things, like hiring a removal firm, or a vehicle relocation firm alike to Cars Relo, but once everything is organised, it will be a much smoother process.

To make life easier for anyone who’s moving home soon and completing the purchase a new property, here are a few useful steps to take.

1. Don’t Have Buyer’s Remorse

Choosing a new home is not like picking an outfit at a clothing shop, taking it home, changing your mind later and wanting to return it. It should be thought of as at least somewhat permanent. Therefore, choose your new home wisely and carefully.

We say carefully because, while you need to be mindful about not choosing a property with many issues to fix down the road, it’s also important to get a place that you’ll be happy with in the future (not just today). This means it must have the features that you most want, so you can avoid buyer’s remorse. It is very expensive to later have to move because you didn’t pick well the last go around the property ladder.

2. Make Sure You’ve Covered with Adequate Insurance

When moving, things get dropped and broken. Whether it’s just taking items off a high shelf, losing your grip on them and seeing them sail to the floor or the removal men damaging them during transport, it all matters.

Ensure first of all that you have enough insurance at your current home to cover all the valuables there. Accidental damage should, of course, be covered, but also check with the removals company what coverage they offer should one of their own employees damage your possessions. Ensure the removals company has been around for many years and will honour the protection they claim to offer too.

Also, don’t forget to insure the new property, too, in case something gets broken by you or your family when moving in after the removals van has left. It’s easy to forget to do this in the rush to move.

3. Get a Good Conveyancing Solicitor

Getting a good conveyancing solicitor is essential to ensure everything is taken care of when purchasing a property and selling your last one.

They not only take care of property deeds and charges with the Land Registry, but they also look into any easements, extra rights on the land and other concerns that are pertinent with a purchase to avoid surprises too.

You’re relying on their expertise and also the knowledge they have gained by completing many home purchases for their clients over the years. An experienced conveyancing solicitor is vital when buying and selling a home, as it avoids mishaps and delays too.

Given that moving and buying a home is a stressor in life, be sure to take time to unwind. The last thing you need is to get too wound up about it because it’s time consuming and it’s more of a marathon than a sprint. So, follow these steps and pace yourself appropriately.

A home with a pet is definitely a happy home, but that doesn’t mean there are no downsides. Cleanliness can be a bit of a challenge for some, especially for those who do not have the right pet cleaning products to give them a hand. The following are a few examples of what you should have at home.

Rubber Broom

One essential product to have is a rubber broom. The price range of these brooms vary from inexpensive to pricey, but they are definitely worth your consideration. Rubber naturally attracts hair and makes it stick to bristles as you sweep. As you know, pet hair is something all pet owners are going to have to come to terms with, but it’ll be easier with a broom that can get it off your floor and carpets. Make sure you consider getting a rubber brush to remove pet hair from furniture and such.

Pet Grooming Products

Pet hair can be cleaned up with the right products, but you can also take a step towards reducing the amount your pet sheds by practicing good pet hygiene practices. This is the reason you should make sure you have pet shampoo and conditioner handy. Clean your pet regularly, and make sure you brush your pet’s fur often to remove any loose fur in a controlled environment. Of course, you could also have your pet cleaned professionally, but that does cost money.

Air Purifiers

Each pet emits a particular type of odor, and these odors can make your home smell a certain way. While you might be able to ignore them over time, guests and other people entering your home will not. You can purchase an air purifier designed to filter out and trap the odor-causing particles floating around your home. This can help to ensure the air in your pet-friendly home remains fresh and free from bad smells.

The Pet Doormat

The same way you use a doormat to clean your shoes, pets need one to clean their paws. Every time you let your pet out or take your pet out for a walk, it may come back with some dirt or debris on the paws. This means those paws are going to be dirtying up the carpet, furniture, and the floors. Minimize that by simply having a dog doormat outside for them to use.

Pet Wipes for Your Pet

Another thing you want to have at home is pet wipes. These wipes clean up all sorts of things from your pet. You can use them to clean your pets body, tail, or anus. It helps keep your home clean, but it also does not hurt your pet because pet wipes do not come with fragrances or other similar chemicals because pets naturally groom themselves, so you do not want to leave any residue that might cause harm to your pets.

Hopefully, some of these suggestions make it easier for you to keep your home clean, even if you own a pet. Make sure you take your pet to the vet if it is shedding too much because too much could be a symptom of another issue.

Outdoor garden areas are an amazing place to create a lush oasis of calm, tranquility and peacefulness, no matter if you live in the city or out in the countryside. Many people make the most of small spaces with lots of plants, flowers, thoughtfully curated furniture and accessories to make their outdoor space just as comfortable and welcoming as their indoor space. Creating such a space with a very intentional use takes some time and searching, but with a little help from those that have done it already, and done it well, you can rest easy knowing you can rely on the experience of others to create just the type of outdoor garden space that makes you want to spend your free time outside.

Purposefully curated and intentionally placed furniture and decorations. This sets the tone of the use of your space, from the color of each item to the size and type of each piece, to the placement of everything. Furniture that is small, uncomfortable and close together communicates you aren’t open to many guests. Making your home more party friendly can mean a lot of changes, or just a few simple ones, depending on your current setup and arrangements. If the inside of your home looks like it’s straight out of a magazine, but your outdoor area hasn’t been tidied and organized in years, now is the perfect time to spend an afternoon to clean it up, assess what you have that you love, and consider getting new furniture and accessories. 

Some people that love their outdoor space enjoy it so thoroughly because they’ve added outdoor garden speakers to their setup. Adding speakers for playing relaxing favorite tunes adds a level of luxury and special feel that is unmatched by playing on a mobile device or portable radio. Music adds ambiance to outdoor areas, and creates memorable experiences for you and your guests. Different types of music can create different types of energy for various activities and events. If you wanted to have a relaxing reading evening, perhaps classical music or jazz is a good choice for your garden speakers. If you’re hosting friends over for games and some laughs, a more upbeat genre is the way to go. Whatever your choice, having music play through outdoor speakers is a simple way to add a nice ambiance to your beloved outdoor garden space.

Outdoor kitchens are quite popular in some areas of the world. Wood burning ovens and grills, mini-fridges and outdoor dining areas add a special ambiance to outdoor gardens everywhere to be enjoyed when the weather is nice. Outdoor kitchens make cookouts a more frequent and more enjoyable activity, in comparison to running back and forth to the indoor kitchen to a lonely outdoor grill. It’s a nice addition to some outdoor garden areas if space permits, and gives everyone another enjoyable reason to spend more time outside in nature.

How do you enjoy your outdoor garden space? No matter how big or small of an area you have to work with, chances are you can make some small improvements by adding plants and greenery, or some nice furniture and accessories such as speakers to make your outdoor garden area your sanctuary. 

If you’re heading out of town before the summer’s over, there’s one important item you don’t want to forget – a bathing suit. These days, however, there are so many styles to choose from a girl could get lost in selections. Not to mention there are so many rules about body type and shape, patterns and prints, that you could get confused about which bathing suit is best.

Before you drive yourself crazy or spend so long making a decision that the summer ends, here are a few simple bathing suit shopping tips to keep in mind:

Think Purpose

Obviously, you’re getting the bathing suit because you’re going on vacation, but what will you be doing when you’re wearing it? For instance, are you going to the beach, a waterpark, a yacht, or do you just plan on lounging around the pool? You may think this doesn’t matter, but imagine buying a bandeau bikini and heading to the water park. In this family-friendly environment, you don’t want to have to keep tugging at your bathing suit top or end up flashing some kids as you get off a ride. In this case, modest tankinis or a one-piece would be more ideal so you’re fully covered. 

Confidence Level

There’s so much talk these days about women and body types when it comes to buying a bathing suit. Are you a pear, diamond, or coke bottle. It’s all a bit overwhelming trying to compare your body to a piece of fruit or inanimate object. When shopping for the right bathing suit for your end-of-summer vacation consider your confidence level. If you’re ashamed of your midsection, it would probably be best to look for a tankini or a one-piece so you feel more confident. If you aren’t trying to hide anything then the skies are the limit. When you feel better about how you look somehow it makes the bathing suit look that much more attractive. 

Think About Your Assets

Though you don’t have to get into figuring out whether you’re shaped like a slice of pizza or pear, the best bathing suits are those that help accent the best parts of your body. Take a good look in the mirror and decide which features are worth showing off. They have bathing suits that can enhance everything from your chest to your buttocks. So whether you’re looking for a bikini top with an underwire to help keep the “girls” in place or a bikini bottom that will lift and firm your backside, it will be easier to narrow down. 

Try A Bunch On

If it’s been a while since you’ve purchased a bathing suit or you simply don’t know what you’re looking for then try a bunch on. Here’s where you can get bold in your selections and try on safe bets and more risque pieces to see which styles look the best on you. Even if you decide to order your bathing suit online, having tried them on in person beforehand helps to narrow down your options of swimsuits that look the best on you. 

Quality and Price

Here are some practical shopping tips to keep in mind when buying a swimsuit. You don’t want to buy something that’s cute and cheap but literally starts unraveling as you get in the pool. However, you also don’t want to spend a ton of money on a swimsuit either. So, keep product quality and price in mind. 

You want something that’s going to last throughout your summer vacation and beyond. You can read customer reviews to find out more about the quality of the brand. Other women will be quick to tell you if something was cheap or a waste of money. As for price, shop around and do some comparing. This is easier done online as you can view the price of similar bathing suit styles at several service providers in one place as opposed to running from one store to the next. 

Bathing suit shopping tips provided on the internet sometimes could have you picking yourself apart as you try to decide your body type and focus in on parts of the body you don’t want to be seen. Instead of getting caught up in all of that, simply use the tips from above and find a bathing suit that is of good quality and value, works for the occasion, makes you feel good, accents the best parts of you.  

Raising a teenage daughter is a hard job, but shopping for them is sometimes harder. Their likes and dislikes fluctuate with their hormones. Yet, certain gifts are versatile enough to please even the harshest teenage critic.

1. SKINCARE GIFT BAG

For teenage girls starting to take care of their skin, it’s best to keep things simple. Focus on products that will cleanse, tone, moisturize, and treat blemishes. Cleansers unclog pores, while acne toners remove oil. It is not necessary to use acne toner all over the face. The most common areas of breakouts are in the T-zone. So use toner on the forehead, nose, and chin. Face moisturizers should not feel heavy, especially for acne-prone skin. Instead, use oil-free creams that hydrate. For treating blemishes, use products with benzoyl peroxide and salicylic acid. Salicylic acid removes dirt from pores, and benzoyl peroxide is an anti-inflammatory that stops bacteria from growing. For maximum effect, use skincare products from the same brand.

2. SUBSCRIPTION BOX

While subscription boxes have been around since the early 2000s, their popularity has increased in recent years. A select group of items is delivered to your home on a regular basis, usually monthly. There are hundreds, if not thousands, of options available that any teenager would love. Some of the obvious choices include make-up boxes, make-up accessories, and niche apparel, like leggings or socks. However, if your daughter is not a fan of cosmetics, there are plenty of other fun options. You can take their love of Harry Potter to another level with customized fandom gear. Prices begin as low as $10 a month.

3. (COMING-OF-AGE) BOOKS

Buy her a bundle of books that she can enjoy over and over again. Gift her best-selling novels like The Fault in Our Stars or The Sisterhood of the Traveling Pants. For more mature content, look into books that reflect the reality of today’s society, like The Hate U Give by Angie Thomas. It is a controversial yet captivating novel that deals with the effects of racial and social injustices, and police brutality in America. Another fantastic option for your teenage daughter is Ask the Passengers by A.S. King. King addresses the confusion that sometimes arises when discovering your sexuality. If you’re undecided about what topics will resonate most with your daughter, speak to the bookstore’s employees. They can give you insight into what today’s kids’ concerns are and which literature best addresses it.

4. BLUETOOTH WATERPROOF SPEAKER

This handy device really has no age requirement. Anyone can benefit from using these speakers. However, teenagers tend to use their phones to listen to music while in the shower. A waterproof speaker helps ensure their phone won’t get wet. Make sure the speakers are not only water resistant but that they provide great sound as well. This further ensures the speakers get used.

5. GAMING CHAIR

Video games are not just for boys. The gaming chair is a staple among hardcore gamers, regardless of gender. They were originally designed to simulate the feel of driving when playing racing games, which is why they look like racer car seats. Today, they come with integrated speakers, subwoofers, and vibration motors to enhance the gaming experience. The best part is that it is not just for gaming. The chair has been ergonomically designed for whenever your child wants to spend hours on end on their computer or phone.

If you’re the proud parent of a teenage daughter, you probably know it can be difficult to keep up with her changing sense of taste and style. While every teen is different, the gifts on the list will likely prove to be winners.

What’s the first thing that comes to mind when you think of San Francisco? The Golden Gate Bridge, “I Left My Heart in San Francisco” by Tony Bennett or those oddly appealing cable cars? Any which way you think about it, San Francisco is a fun place to visit. If you like a great mix of activities it’s an ideal destination spot for your next vacation. Book a flight or hop in the car because you don’t wanna miss these fun attractions that San Francisco has to offer. 

The Shopping

When it comes to shopping, the San Fran area has you covered with multiple stops where you can spend some money. For those looking for a nice blend of trendy within a local atmosphere, be sure to visit the Mission District. You’ll be able to peruse shops with art, antiques and clothing to boot. 

Another intriguing area to browse gift items and grab a coffee would be on Fillmore Street. It includes a wide variety of shops where you can get a makeover, update your home decor and or enjoy a delicious meal. If you are looking to shop on a grander scale with a plethora of different stores under one roof, Westfield San Francisco Centre has you covered. It’s packed with over 180 shops to tickle your fancy. Here you can buy with confidence as each vendor is PCI ASV Scan compliant, thus ensuring your vital credit card information will be kept secure with each and every transaction. With this type of security in place, both small and large business merchants prevent cybercriminals from accessing your information.

In turn, you can have a joyous shopping experience from start to finish. And when you’re done itching that urge to shop, head outdoors because there are great places to enjoy that San Francisco weather.

Outdoor Stuff

If you have never been to San Francisco, there’s plenty of fun outdoor activities to do. Visitors and locals have the opportunity to enjoy beaches, hiking trails and gorgeous parks, including Yosemite National Park. If you have the time and want to really soak in what San Fran has to showcase, be sure to venture to Golden Gate Park. There are a variety of gardens to view and playgrounds for the children to enjoy. 

Beyond the great park options, there are several beaches in the area that provide scenic views you can take in while lounging in the sun. Being able to enjoy the sound of the waves and warmth of the sun on Baker Beach is something to behold. Or, you can visit China Beach which has similar views in a little more low-key location. Then, when you have perfected your tan for the day, head inside for some fantastic art. 

Enjoying Some Culture

The art lover will surely enjoy the San Francisco area, as it is full of options when it comes to museums. There are several must-see locations for everyone in the family. They include a Children’s Creativity Museum with interactive exhibits, an Aquarium on the Bay with beautiful marine life and the California Academy of Sciences to provide some awe-inspiring moments. 

For the Disney fans in the audience, you can find the Walt Disney Family Museum which includes artwork and history on everyone’s favorite mouse. Then in regards to art, you can visit the Asian art museum, de Young Museum and the San Francisco Museum of Modern Art to name a few. 

If you are planning on visiting the great bay area, rest assured that you will have a lot of things to fill your time. Go forth and enjoy everything that San Francisco has to offer. 

Packing for a business trip is a lot different than any other vacation. You somehow have to keep company guidelines in mind while figuring out how to dress for the climate. You can’t pack a swimsuit and a pair of flip-flops with a few short-shorts and some tank tops. As an employee (or business owner), it is your responsibility to represent the company no matter how tropical the destination might be. 

So, what should you pack for your summer business trip? Here are a few items to keep in mind:

Printed Short-Sleeve or Tank Tops

Whether the dress code is business casual or corporate, you can’t go wrong with a few printed short-sleeve shirts and tank tops. The materials are light enough that you won’t burn up at your corporate event, but the style is still classic and professional. They can easily be thrown under a cover-up to cover your arms, shoulders, and back if necessary. Instead of going with solid colors, however, look for bright summery prints that you like. This gives you a pop of color and style. 

Solid Bottoms

You don’t want to overdo it on the bold prints and vibrant patterns, so when it comes to packing bottoms, it is best to keep it basic. For guys, it is ideal to pack a few pairs of slacks in basic colors like black, navy, and tan. Ladies can take the same route or they can opt to wear skirts instead that coordinate with their printed tops. If you’ll have time after your event is over to enjoy yourself, then, of course, you can pack a pair of short-shorts, cargo shorts, or leggings for your trip as well. 

Comfy Underwear

You don’t want to be pulling up your bra strap, digging at the underwire, or grabbing your undies out your bottom all day. Not only is this uncomfortable but really unprofessional. So, leave all the sexy undies at home and opt for comfortable underwear. Cotton bras with maximum support and matching panties should do the trick. For guys, boxers, briefs, and undershirts are advised. When choosing your underwear keep colors in mind. If you have on a white shirt, you don’t want to have a bright pink bra showing underneath. 

Comfortable Dress Shoes

Though it would be nice if you could throw on some flip-flops or sneakers to get through the day, chances are it isn’t allowed in the corporate environment. So, it would be wise for you to invest in one or two pairs of comfortable dress shoes. A nice leather ballet flat for ladies is appropriate while a simple loafer might work well for the gentlemen. If it’s a bit more upscale, steer clear of shoes with too high of a heel or it could backfire – literally. Make sure you’ve worn them in a bit before your trip so you’re not limping around halfway through the day. Keep shoe styles and colors simplistic so as not to overdo it. 

Summer Dress and Suit

Most corporate events have at least one upscale event such as a dinner for clients. If this is the case, you can’t waltz in with your swimsuit and coverup on. You’ll need to have the appropriate attire. Ladies, you have the advantage here with plenty of summer dress styles to choose from. Be sure that it is not too low-cut, see-through, or revealing. If you need to cover your arms or shoulders, a nice shawl or summer fashion scarf would work without making you too hot. As for the guys, you’ll need to pack a suit. There are summer suits made from more breathable fabrics to keep you cool. 

Accessories

Accessories help to make the outfit. Since you’re trying to impress, you want to make sure you’ve packed a few items. Some studs and a necklace for women and a nice watch and cufflinks for the guys is an option. Just make sure that they’re not too bold but just enough to give your business attire an extra pop. You may also need to pack hair ties or pins, neckties, a purse or wallet, and a pair of sunglasses for sun protection. 

It can get tricky when you’re packing for business travel. You don’t want to violate any of your company’s dress codes but you also don’t want to burn up and pass out in the middle of an event. Fortunately, there are solutions for each of these issues. Simply use the guide above to select items that should be fit for the boardroom, conference center, restaurant, or wherever else you should find yourself during your business venture.

Do you wish you could save more money?

The answer to that question is usually a resounding “yes.” However, while most people want to save money, they also have a hard time figuring out how they’re going to find the extra cash that they want to put aside for the future. After all, there are a lot of bills that people need to pay these days, and your income might not cover everything easily.

Fortunately, even if you have a tight budget, you can still tap into some excellent saving strategies to help you save more cash. We’ve put together this list of mini methods to help you with your saving efforts in the months to come.

1. Make Savings Automatic

With so many expenses to think about these days, from the cost of paying back your cash loans, to the expense associated with your utilities and home rentals, it’s easy to push saving to the back of your mind. However, this often mean that people who intend to save end up spending all of their money before they’ve set any cash aside for the future.

A great way to avoid this issue is to make savings automatic. Look at your budget and figure out how much you can afford to save every month. Once you’re ready, set up an automatic transfer with your bank to move that amount of cash over into a separate account whenever you get paid. You may end up forgetting about your savings entirely, which means you’re less likely to spend them too.

2. Follow a Meal Plan

Food is another thing that people spend a lot of money on each month – often more than they need to. Ask yourself how often you throw items away because you didn’t have chance to use them before they hit their best before date. Maybe you even end up buying doubles of items because you can’t remember what you’ve got in the freezer when you’re at the grocery store. A meal plan will help you to prep each week with a list of items you need when you go to the store. You’ll be able to make the most of bulk ingredients this way, and even prepare certain meals in advance so that you’re ready to cook them quickly at last second.

3. Drink more Water

Speaking of food, remember that what you drink can also have an impact on your budget too. Staying hydrated isn’t just good for your health; it will also stop you from over-eating at mealtimes because you’re thirsty and feel like you need extra sustenance to make up for it.

Drinking more water also means that you’re less likely to over-spend on expensive fizzy sodas and juices when you go grocery shopping. You can even invest in a filtered water jug to give you a better quality of water each day. If you find the taste bland, consider infusing your water with fruit using a special jug or bottle for an extra kick of flavor.

4. Plan How You’re Going to Pay off Debt

Debts are one of those things that most people will have to deal with during their lives. Whether you’re paying off a student loan, a house loan, or you have a loan for a recent car purchase; you’ll need

a plan for paying off your debt. The longer it takes for you to get rid of your loan, the more you’ll end up paying in fees and interest rates over several months or years. With that in mind, focus on getting rid of your debts before you look into any other financial goals. This will save you a fortune in the long-term.

The quicker you pay off your debt, the faster your credit rating will improve too. This means that when you apply for loans in the future, you may get a better deal.

5. Challenge All Expenses

Finally, remember that it’s important to challenge the expenses that you deal with each month as regularly as you can. There’s no need to pay for cable if you’re not using it for instance. There’s also no point in paying for a gym membership just because you keep telling yourself that you’re going to go one day. You could even get rid of the gym membership if you do know you’re going to use it, because there are plenty of ways to work out at home for cheaper.

Look at your bank statements and ask yourself if each payment is really necessary. If something you’re paying for isn’t essential, ask yourself if it’s worth whatever you’re paying, or whether you’d rather be spending your money elsewhere.