Easy Tips and Home Projects to Help You Save Money
July 5, 2021 Teresa Siqueira
Whether you rent your home or have a mortgage, total monthly costs can seem overwhelming. Fortunately, there are plenty of simple and easy home projects you can do that will not only improve the value of your home, but that will also help you to save money over time. From making a few simple updates to your plumbing or growing a garden, it’s easy to tweak your lifestyle and home to put more cash in your pocket. Read on to discover how making a few strategic improvements around the house can benefit your bottom line.
Set up a household budget
The best way to save money is by drafting a budget to track your income and expenses and determine where you could save.
Determine your income. Every budget starts with determining how much money you bring home. You should use your net income when budgeting, including what you take home after income taxes, insurance, and other costs. This will give you a clear starting point to work from.
Determine your fixed monthly bills. The next step in making a budget is to figure out your monthly expenses. Be sure to write down everything you spend money on, from mortgage or rent to your monthly insurance costs, utilities, Internet, cell phone, and food. You should also include debt like credit card balances and payments as well as automobile payments.
Determine your needs. Think about what your household needs the most. From food costs to kitchen appliances, getting a clearer picture of what you use and need may make it easier to decide where and how to slash some costs. For example, if you order food or go out to dinner once a week, reducing it once per month can save a significant amount of money over time.
Re-evaluate your subscriptions. Take a look at all of your monthly subscription services and decide which ones you can cancel. Cable, streaming services, Internet service, and even monthly magazines are just a few examples. Add these subscription costs to your monthly bills when you write down the budget.
Reduce Housing Costs
There are several ways you can reduce your housing costs to help you save money.
Options if you rent. If you’re a renter, consider getting a roommate to help you split the costs. You can also give up a paid parking space and either park on the street or sell your car and take public transportation if you live in a city. Consider doing some DIY repairs around your apartment in exchange for a discount on your rent if possible. You can also move to a cheaper city where the cost of living is lower or simply move into a more affordable building once your lease is up.
Options if you own your home. One great way to reduce your mortgage costs is to refinance your home to get a lower interest rate. Talk to your lender about possible refinancing options, which can save you a significant amount of money each month once the refinance is complete. You should only refinance your home if you plan to live there for several more years. Otherwise, you could sell your current home and downsize into a smaller one with a lower mortgage cost.
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Central Banks Buy Gold at Fastest Pace Since 2024, WGC Says
Jack Ryan Tue, November 3, 2026
(Bloomberg) -- Central banks bought gold at the fastest pace since the end of 2024 in the third quarter, even as the metal faced pressure from higher oil prices and interest rates.
The institutions accumulated a net 321 tons in the three months through September, the World Gold Council said in a report on Tuesday. After a slow start to 2026, that brought the estimate for year-to-date buying to 675 tons, slightly ahead of the same period a year earlier.
How Wall Street Analysts Think The Midterms Could Affect The Stock Market
By Mary Cunningham November 3, 2026 CBS News
The midterm elections could reshape Congress as lawmakers grapple with persistent inflation, high energy prices and rising fiscal debt. For investors, by contrast, the political outcome could deliver a boost.
Data from financial firm Edward Jones shows that the S&P 500 stock index rose an average of 1.7% in the month after the last 14 midterm races, dating back to 1970. In the six months following midterm elections, S&P returns averaged 15.5%.
KTFA
Tuesday Night Video
FRANK26…11-3-26….THE 7th
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Stern Drew: Warren Buffet Warns that the US Dollar is on the Brink of Collapse
11-3-2026
WARREN BUFFET WARNS THAT THE US DOLLAR IS ON THE BRINK OF TOTAL COLLAPSE
He’s sitting on a record $380 BILLION IN CASH, not investing a single dollar because he says the stock market has turned into a CHURCH WITH A CASINO ATTACHED and he no longer understands what’s happening.
“I understand fewer of the businesses as a percentage of the whole than I did 10 years ago.”
Oil Rebounds After Reported US Strike On Qeshm
2026-11-03 Shafaq News Oil prices edged up on Tuesday after a report that the United States had struck Iran's Qeshm Island, raising concerns about an escalation of the eight-month conflict and prolonged disruptions to Middle East oil supplies.
US West Texas Intermediate crude was up 20 cents, or 0.21%, at $96.66 a barrel while Brent crude futures rose 3 cents, or 0.03%, to $104.8 a barrel by 0355 GMT.
Good Afternoon Dinar Recaps,
GLOBAL TECHNOLOGY RESET WATCH: CHINA WARNS AI INVESTMENT BOOM IS BECOMING TOO CONCENTRATED
China’s financial regulator warns that the rapid flow of capital into artificial intelligence could increase financial risks while making it harder for traditional industries to obtain the funding they need to grow.
TNT:
Tishwash: International Trade Centre: Iraq is qualified to become a regional hub for trade and investment.
The Executive Director of the International Trade Centre, Pamela Cooke Hamilton, confirmed that the Iraqi government is committed to accelerating the procedures for joining the World Trade Organization, expressing her hope that the membership requirements will be completed by 2028. While revealing a proposal to prepare a national strategy for trade and investment, she stressed that Iraq is qualified to become a regional center for trade and investment.
Hamilton said during her appearance on the “Economic Dinar” program on Al-Iraqiya News Channel, which was followed by the Iraqi News Agency:
Ariel: Redenomination, Revaluation, New Rate, Forex Market all Can Happen at the Same Time
11-3-2026
Iraq Field Report: The Play By Play (The Calm Under Palm Trees)
Drawing Attention To The Course of Action Taken By The Prime Minister
Let me pull the veil back on what’s actually happening in Baghdad right now, because the mainstream financial press is about as useful as a chocolate teapot when it comes to reading the tea leaves of Iraqi monetary policy.
Reset Intelligence: Iran Moves After a Nuclear Warning.
By Reset Intelligence | @EXIT_FIAT
On Sunday evening, Eastern time, Tucker Carlson told his followers the Trump administration "may be within days of launching a nuclear strike on Iran." The post has been viewed over 80 million times. None of it is confirmed, and the White House would not comment on military plans.
Within a day Iran's president said the supreme leader had given the government powers to pursue a diplomatic way out. On Monday Trump wrote: "Iran wants a settlement, as soon as possible. It could happen!" Oil fell 7.6%, its biggest drop since July.
International Trade Centre: Iraq Is Qualified To Become A Regional Hub For Trade And Investment
The Executive Director of the International Trade Centre, Pamela Cooke Hamilton, affirmed the Iraqi government’s commitment to accelerating the procedures for joining the World Trade Organization, expressing her hope that the membership requirements would be completed by 2028. She also revealed a proposal to prepare a national strategy for trade and investment, noting that Iraq possesses the potential to become a regional center for trade and investment.
Good Morning Dinar Recaps,
GLOBAL ENERGY RESET WATCH: IRAN OFFERS TO REOPEN STRAIT OF HORMUZ AS NUCLEAR TALKS COULD RESUME
Iran says it could reopen the Strait of Hormuz and restart nuclear negotiations with the United States within two days if Washington accepts its conditions, but no agreement has been reached.
How Wars And Geopolitical Conflicts Can Affect Stock Market Performance: What History Shows And How Investors Can Prepare For Volatility
Investment strategy Sergei Klebnikov Editorial Staff, J.P. Morgan Wealth Management
* Geopolitical conflicts can drive short-term market volatility, but history shows the initial sell-off is often more about uncertainty than a lasting change in long-term returns.
*The biggest risk to watch is whether the conflict disrupts critical supply chains in ways that spill into inflation, financial conditions, corporate earnings and broader economic growth – energy is one common channel, but not the only one.
Dinar Update: Interesting Week Ahead...
The Dinar Den: 11-2-2026
The landscape of international currency investment is often filled with a mixture of anticipation and uncertainty, particularly when it comes to the Iraqi Dinar.
Recently, Stephen, a seasoned entrepreneur and host of the popular channel The Dinar Den, shared a comprehensive update regarding the current state of this investment. His perspective offers a grounded approach for those who have been monitoring the region’s financial evolution for years.
KTFA
Monday Night Video
FRANK26…11-2-26….1:1 CLOSER
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Deputy Prime Minister: Dollar Exchange Rate In The Parallel Market Will Fall And Approach The Official Rate
Baghdad - INA - 11/01/2026 Deputy Prime Minister for Economic Affairs, Mohammed Tamim, confirmed on Sunday that the dollar exchange rate in the parallel market will decrease and move closer to the official rate. He also announced that a new shipment of $500 million is set to arrive tomorrow from the United States.
Tomorrow’s Election Changes Nothing About The National Debt
Notes From the Field By james Hickman (Simon Black/Sovereign Man) November 2, 2026
Johnny Moon was homeless and unemployed in the early 2000s. A high school dropout with a bad drug habit, Moon was hardly someone that banks would consider creditworthy.
And yet, over the course of a single year, he was able to borrow more than $600,000 to buy five different investment properties.
Rob Cunningham: Follow the Money
11-2-2026
No one hands over the world’s printing press voluntarily.
Start with one fact. The United States produces about 26% of world GDP, and the dollar is on one side of roughly 89.2% of foreign-exchange trades (BIS Triennial Survey). Whoever controls how dollars are issued, priced and settled controls the measure the largest economy on earth trades in, and through it the world’s trade.
$10,000 Gold, 10% Inflation: “Something Is Going to Break” | Vince Lanci
Miles Franklin Media: 1-11-2026
Michelle Makori, President & Editor-in-Chief of Miles Franklin Media, interviews Vincent Lanci, Publisher of GoldFix, Managing Partner at Echo Bay Partners, and Professor of Finance, about the sharp sell-off in gold and silver, growing risks in the U.S. financial system, and why he forecasts gold reaching $10,000 alongside 10% inflation within the next two to five years.
Lanci warns that cracks in credit markets, potential Treasury market instability, and the bursting of the AI bubble could force the Federal Reserve to reverse course even as inflation accelerates.
Good Afternoon Dinar Recaps,
GLOBAL FINANCIAL STABILITY RESET WATCH: ECB WARNS OF AI VALUATION, BOND MARKET AND SHADOW BANK RISKS
The European Central Bank is highlighting vulnerabilities that could spread across markets as elevated technology valuations, bond-market pressures, and risks among nonbank financial institutions converge.
"An Extraordinary Session To Finalize The 2027 Budget"...
The Al-Zidi government is preparing to vote on the draft budget next Saturday in preparation for sending it to Parliament before the end of the year
Baghdad - One News - 11/03/2026 A government source reported that the Cabinet will hold an extraordinary session next Saturday, chaired by Prime Minister Ali Faleh al-Zaidi, to vote on the draft federal general budget law for 2027, in preparation for referring it to the House of Representatives for approval before the end of this year.