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How Much Money Can You Save Yearly in a Polygamous Relationship?

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When it comes to finances, being in a relationship inherently makes things more difficult. Even if there are only two adults in the equation, that means serious discussions. Add more partners to the mix and the financial complexity increases. On the other side of the equation, a multi-partner or polygamous relationship might actually save you money.

Polyamorous vs. Polygamous Relationships

Before discussing the potential money-saving advantages of having multiple partners, it is important to point out the difference between polyamory and polygamy.

Many people assume the terms are interchangeable. However, they refer to two separate things. Polygamy involves being in more than one relationship that is treated as a marriage and is illegal under U.S. law.

Polyamory is a form of nonmonogamy. This type of relationship includes multiple romantic partners but no more than one (and, at times, none) are considered married. Polyamory is legal in the U.S., as long as the relationships don’t shift into being polygamous.

How Much Money Can You Save?

The exact amount of money a person can save in a polyamorous or polygamous relationship depends on a range of factors. The savings will vary depending on the unique circumstances surrounding the relationships.

If multiple partners choose to reside under the same roof, the potential to save on housing costs can be significant. For example, an average mortgage payment in the U.S. is $1,029. If this is split by a couple, each person is responsible for $514.50. However, if a third person is there, each partner pays just $343.

The same division of costs could apply to any household expenses. Help with utilities and maintenance expenses can result in savings for each person. Similarly, food costs could be split, saving each individual a bit of cash.

However, property insurance can be more complex. You may only be able to secure homeowner’s insurance for those who are legal owners. So, unless every partner is a legal owner of the house, a single policy won’t cover everyone. Separate renter’s insurance policies may be necessary for certain partners.

Child Care Savings

Another potential point of savings is child care. If a partner can stay home with the children, savings can be major. Eliminating the need for child care, results in a savings of $6,615 to $19,805 annually, depending on your state. But, if someone has to quit their job to stay home, it will offset the savings. Job loss lowers the household’s total income.

You may be able to reduce other expenses as well. For instance, you may be able to carpool. Eliminating the need for a vehicle or lowering fuel costs helps with savings. If two partners wear similar size clothes, they may be able to share parts of their wardrobe. If large household purchases, like televisions or appliances, are split equally, each person only pays part of the total cost.

Ultimately, there is potential for significant savings, especially if all of the partners choose to live together.

Can You Really Save Money?

To put it simply, no, there is no guarantee that a polyamorous or polygamous relationship will save you money. For example, if multiple partners move in together, each person can save on housing costs. However, if you end up maintaining more than one home, those expenses go up.

Having more than two romantic partners doesn’t mean everyone wants to live together. This could leave some people contributing to more than one partner’s household. Expenses such as splitting rent or mortgage payments, utilities, maintenance costs, or others, add up quickly.

Similarly, maintaining multiple romantic relationships could create costs beyond being in one relationship. For instance, you might pay for more date nights, birthday and Christmas gifts, or similar expenses could be higher.

If saving money is the goal, then each person needs to review their budgets and income as a starting point. Then, open discussions are necessary to ensure everyone does their fair share in maintaining the household(s) or for deciding if cohabitating is the best approach.

Significant Risks of a Polygamous Relationship

If a relationship is genuinely polygamous, there are additional risks. First, criminal charges are a possibility. This can lead to serious financial costs, ranging from lawyer’s fees to fines. Plus, if there is jail time, that results in lost wages and potential employment difficulties in the future.

Second, estate planning in a polygamous relationship is also challenging. Multiple marriages complicate who has rights to a person’s property or financial assets after their passing. These complexities are one of the reasons polygamous relationships are illegal, especially in common law marriage states where a formal marriage isn’t a requirement to gain certain rights.

Even individuals exploring polyamory can find estate planning difficult, particularly if they want to leave assets to their various partners. With this in mind, it’s always wise to explore state laws regarding polyamorous and polygamous relationships, as the definitions and requirements can vary from one jurisdiction to the next.

Money Saving Opportunities Do Exist

Ultimately, polyamorous and polygamous relationships can result in money-saving opportunities. They can also come with additional costs. Open communication and active planning steps are necessities. Otherwise, it will be challenging to find workable solutions that can help each person to save.

Additionally, it’s wise to avoid crossing into polygamy. The legal ramifications are significant. They can also be potentially dire, and incredibly costly if there are any charges.

Polyamory doesn’t necessarily come with the same risks. If you want to maintain multiple relationships, it’s wise to explore state and federal laws thoroughly, especially in common law marriage states. That way, everyone can stay on the right side of the law and avoid the legal and financial complications.

Are you in a polygamous or polyamorous relationship? Share your thoughts about finances in the comments below.

Looking for more articles about relationships and money? Give these a try:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Research Shows That Married Men Make More Money Than Everyone

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Most people are aware of the gender pay gap, and how wages and salaries can vary dramatically based solely on your gender. However, you might not have known of another factor that can make a significant difference in how much bacon you bring home — and it isn’t skill, knowledge, or experience. It’s marriage.

Gender Pay Gap Data: Marriage Matters Sometimes

Yes, marriage.

It turns out, according to the recent data from the St. Louis Fed, that you make more money if you’re married. But only if you are a male.

The fact that the average male worker outearns the average female worker probably doesn’t surprise you. The first sample shows the difference in wages in 2016, between men and women of the same age, with at least a high school level education. While it’s fairly close in the 20s, the gender pay gap grows increasingly wider with age.

Gender Pay Gap 1

However, surprisingly, (or not, to some) if you are male and married, you will outearn your single male colleagues. You will also earn more than all of your female colleagues. And, it isn’t a small difference. According to the 2016 wage and salary data based on age, gender, and marital status, married fellows earn much higher wages than single or married women and single men.

This isn’t exactly new data when you compare the salaries of married men and married women. Being married and having children (at least for women) is often the cause of the gender pay gap. Sometimes, there is also an unequal division of labor at home. However, even without children, married women often earn less because of the focus on the husband’s job. She might be more likely to pass up job opportunities or relocate in order for him to make more.

Still, it’s unclear why married men would outearn single men. Some possibilities could be age and the likelihood of more experienced males being married.

So, Will I Earn More If I Get Married or Not?

Although the data provides some information on areas most of us all were already aware of, there were a few surprises. For instance, single women and married women were neck and neck when it comes to salary. Also, there is basically no gender wage gap between young single men and young single women. The differences only seem to appear once you throw marriage and older age into the equation.

Although some areas are still a bit hazy, the data can help determine why married men make so much more money than everyone else. And, maybe someday, help to close the gender wage gap.

Why do you think married men make more money? Let us know in the comments below!

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You Need These Top 13 Finance Books To Change Your Life

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Where are you in your financial journey? Maybe you’ve just landed your first job or your company has offered a 401(k). Whatever your journey is, there are tons of books that can help make it easier. Here are some of the best personal finance books of 2018 that can change your financial life.

The Total Money Makeover – Dave Ramsey

If being debt-free is your goal, it’s hard to go wrong with Dave Ramsey’s The Total Money Makeover. His tried-and-true approach is touted for its simplicity and effectiveness, and his brutally honest style doesn’t sugarcoat anything.

Not only can this book help you work your way out of debt, but it also gives you skills for avoiding it in the future. Ultimately, if you are struggling with debt and can only choose one book, this should be the one.

Your Money or Your Life – Vicki Robin and Others

Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence extols the benefits of frugal living, and not just from a financial perspective. It also shows how, by budgeting and saving, you can lead a happier life by having access to more choices.

The book focuses on learning to live within your means while planning for the future. Many people consider it a personal finance must-have. Just make sure you look for the most recent release (currently a 2018 update), as there have been multiple versions of this book over the years.

Personal Finance for Dummies – Eric Tyson

If you don’t know the basics of personal finance, starting with Personal Finance for Dummies is a smart move. Terms are clearly explained throughout, and the concepts are simplified to assist with learning. Plus, a broad selection of categories is covered, making it great for those who need a solid foundation.

The Index Card – Helaine Olen and Harold Pollack

The Index Card: Why Personal Finance Doesn’t Have to Be Complicated, is another book that focuses on the essentials. The tips are highly actionable, giving you clear direction for improving your financial life.

Additionally, the book avoids being long-winded so that you can derive value from it quickly. Plus, its very easy to digest, making it great for personal finance beginners and beyond.

The Automatic Millionaire – David Bach

For those who appreciate simplicity, The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich is actually a one-step plan to help you achieve success. While it almost seems too good to be true, it includes success stories focusing on individuals with modest incomes. Plus, it avoids headache-inducing steps like hardcore budgeting. Even better, you can get started without a six-figure income.

While the original version came out in 2004, it has since been updated. Just make sure to find a recent edition if you want the most valuable information.

Rich Dad Poor Dad – Robert Kiyosaki

Part memoir, part money guide, Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! was updated in 2017. The book includes money management tips for adults. It also offers information on helping your kids thrive financially.

Even if you don’t have a substantial income today, or are living paycheck to paycheck, this book can help you start on the path toward wealth.

You Are a Badass at Making Money – Jen Sincero

You Are a Badass at Making Money: Master the Mindset of Wealth is an exceptional book for learning how to evaluate your habits, such as things that may be hindering your financial success. It is filled with anecdotes and easy to understand concepts. It’s a candid and even humorous read that is chocked full of wisdom and insight.

Why Didn’t They Teach Me This in School? – Cary Siegel

A great book for teens and young adults, Why Didn’t They Teach Me This in School: 99 Personal Money Management Principles to Live By covers information that many kids don’t receive while they are growing up. The content is easy to digest and focuses on learning to manage money, ensuring it doesn’t control your life.

The Behavior Gap – Carl Richards

The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money, makes it easy to understand why so many people make mistakes with money. It shows how bad habits can develop, and helps the reader step away from the trappings that may have them stuck. Plus, it makes adopting a healthier mindset about money easier, which is something that can serve the reader for years to come.

The Millionaire Next Door – Thomas J. Stanley and William D. Danko

When most people picture millionaires, they imagine a glamorous lifestyle. However, the reality is actually quite different in many cases.

In The Millionaire Next Door: The Surprising Secrets of America’s Wealthy, you learn about the habits that helped people cross into millionaire territory and achieve financial freedom. Most of their techniques can apply to any person’s life, making this a great personal finance book for any collection.

All the Money in the World – Laura Vanderkam

All the Money in the World: What the Happiest People Know About Wealth, takes on the personal finance topic a bit differently. Instead of stressing pure frugality, the book discusses how to get the most personal value from your money by spending in alignment with your priorities.

Admittedly, it shouldn’t be the first book on most people’s list, especially those who are battling significant debt loads or lack any savings. But, if you have the basics in order, it’s certainly worth reading.

The Little Book of Common Sense Investing – John C. Bogle

Another option for those who have the personal finance basics down, The Little Book of Common Sense Investing explains why index funds are such valuable options. Plus, the information is very easy to understand, making it a great choice for those who are new to investing and want it to feel more accessible.

Money A to Z – Scott Alan Turner

Money A to Z is actually a children’s book. It uses the alphabet to teach kids about personal finance concepts, giving them a solid foundation in their earlier years.

Anyone with a young child should consider picking it up. After all, it’s never too early to start teaching your children good money habits.

What have been your best personal finance books of 2018? Tell us about it in the comments below.

Looking for more great articles? Here are a few to get you started:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Is It Too Late to Make Money Writing Online?

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Best Ways to Make Money Writing Online

Approximately 43 percent of the US workforce works from home at least part of the time. For roughly 20 percent of the American workforce, their home is their primary office.

For many, the idea of working from home is incredibly enticing. Often, it comes with thoughts of achieving better work-life balance, feeling more comfortable during the day, and even saving money.

Writing is often a popular option for those looking to work from home, largely because handling the tasks almost exclusively online is possible. However, the ability to make money writing online has been around for quite some time, and some may fear that it’s too late to take the leap.

Is It Too Late to Make Money Writing Online?

Many people wonder if they missed the boat when it comes to earning an income by writing online. This is especially true since, as of 2018, there are an estimated 30.6 million bloggers in the US alone. Add to that the number of writers who produce online content for something other than blogs, and the amount of potential competition is significant.

While the segment may be competitive, that doesn’t mean it’s not a viable option. In reality, it isn’t too late to make money writing online.

However, that doesn’t mean it is easy to start in the field, particularly if you don’t have much professional experience as a writer. Like any profession, you have to showcase your worth to potential employers, readers, or other possible revenue sources. Otherwise, you’ll have trouble landing paying gigs.

Best Ways to Make Money Writing Online

When you’re looking for the best ways to make money writing online, you actually have several options available. Beginners may be better served by pursuing specific routes while professional writers or those with an existing portfolio typically have more options from the beginning.

Start a Blog

If you’re new to the writing space, starting a blog can be an excellent option to get your feet wet. Not only does it give you a platform to hone your skills, but it also allows you to create examples of your writing.

By running a blog, you can show potential clients what you have to offer. They can review your writing style, knowledge level in a particular niche, or otherwise evaluate your capabilities. Plus, it is possible to start a blog for free, as long as you choose the right platform.

For example, WordPress has a free platform that you can use to display your writing and express yourself. It’s a strong option for beginners since your only investment is your time and energy.

In fact, if you want to start blogging to build your reputation, you can do that here at SavingAdvice. The process is incredibly simple, allowing you to create a portfolio and showcase what you have to offer.

Many free blog platforms are somewhat limiting. For instance, you may not be able to place ads on your page. This can restrict your revenue potential from your blog. But, you can use them to showcase your writing and connect with paying clients, so they do provide value.

If you want to generate ad revenue, you’ll typically need to create your own website. This means securing a host, a domain name, a theme, and other features that can come with a cost.

Additionally, you’ll either need to design the website yourself or pay someone for help. There is a learning curve when it comes to creating your own site, but there are numerous free guides and tutorials that can help you navigate common options.

Choosing to start your own site can make your website seem more professional, as your URL isn’t associated with a free platform. Plus, you may be able to deduct the cost on your taxes, which may make the investment worthwhile.

It’s important to note that ad revenue doesn’t come quickly in the beginning. Typically, you’ll need to develop a readership first, so your blog might not even pay for itself right away.

However, with some time and diligence, you can make money from a blog. Not only can you access increasingly lucrative advertising opportunities, but you may receive compensation from companies who want you to review their products or services. Similarly, you can use affiliate programs to earn a bit of money each time someone makes a purchase through a link on your site.

Often, these revenue sources are small in the beginning. But, if you have a strong following, even pennies add up fast.

Freelancer Sites

Freelancer sites help connect people with clients looking for services, including writing. These platforms can help you earn money by writing online, though the requirements for using each one can vary.

Beginners may benefit from sites like Fiverr or Textbroker. Typically, getting onto these platforms is fairly easy, allowing you to start marketing your writing services.

Some writers have a significant amount of success on Upwork. However, Upwork doesn’t allow just anyone to sign up as a writer. Instead, each application is reviewed before a person can start looking for work on the platform, and not everyone is approved.

Generally, if you want to write on Upwork, you will need an existing portfolio that shows you have the right skills. As mentioned above, a blog can function as a portfolio, showcasing your talents. Similarly, being successful on another platform, like Textbroker, may help you gain entry.

Freelancer.com and iFreelance can also help you find writing gigs, making them a great option to check out. FlexJobs is another site worth exploring. While the platform focuses on telecommuting opportunities instead of freelancing, there are writing jobs on the website.

Direct Pitches

In some cases, you may be able to secure paying work by pitching an idea to an existing site. Many blogs and companies allow guest posts (articles written by someone else that are added to their website), creating another potential revenue stream.

Here are a few sites that pay for guest posts, at least occasionally:

However, not every site that allows guest posts pays for them. In fact, some charge for the right to have an article shown on their website. Before you pitch an idea, you need to figure out if they will pay you or if you have to pay them.

At times, even paying to submit a guest post can be beneficial. It allows your name to appear on a reputable site as a byline, which can help your reputation. Additionally, it gives you another example to show potential clients, but the cost may not be worth it if you are just starting off as a writer.

But, guest posts aren’t your only option. Some websites maintain a writer (or a few) to create content for their blogs, landing pages, downloadable guides, and more. This means you can make money writing online in arrangements that mimic traditional jobs.

You may find these opportunities on regular job boards, company websites, or social media. However, like most writing positions, you’ll need to showcase that you have the skills if you want to land the job.

Ultimately, it isn’t too late to make money writing online. However, you do need to be ready to demonstrate your capabilities, so consider starting a blog or building a portfolio before you make the leap.

Do you know other great ways to make money writing online? Tell us about your experience in the comments below.

Looking for more great articles about making money? Here are a few to get you started:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

What Do You Know About FANG Stocks?

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Fang Stocks

A term coined by Jim Cramer, the host of CNBC’s Mad Money, FANG is an acronym. It represents four of the best-performing technology stocks on the market: Facebook, Amazon, Netflix, and Google. Some investment experts also include Apple in the mix, adjusting the term to FAANG.

While Google now operates under Alphabet, Inc., a change made in 2015, the term FANG stuck around. It is easy to remember, and the companies it represents are highly recognizable. Plus, all of these stocks continued to perform over the years, allowing the term to stay relevant and join the common investing lexicon.

Whether you were aware of FANG as a concept before, you likely are aware of the stocks it represents. However, you may not know how powerful investing in FANG stocks can be if you are willing to buy and hold.

The Earning Potential of FANG Stocks

While no stock is a guaranteed safe bet, FANG stocks, by and large, have outperformed the overall S&P 500 and NASDAQ 100 Index. Since technology has become an increasingly important part of everyday life, and these companies tend to be innovators in the tech space, their products and services have led to strong performances.

One analysis showed that, if a person invested approximately $3,250 over the course of the summer of 2014, in a single FANG stock, by 2017, the investment would have been worth the following:

  • Facebook (FB) – $23,189
  • Amazon (AMZN) – $39,148
  • Netflix (NFLX) – $45,317
  • Google/Alphabet (GOOG) – $20,176

While the total investment represents an incredibly small stake in each company, the gains are significant.

It’s important to note that past performance does not guarantee future growth. For example, Yahoo had substantial gains in the late 1990s, after going public in 1996, but was damaged in the dotcom crash. Since then the company’s value fluctuated, at times dramatically, and never surpassed its 1999 peak.

However, the numbers above are a prime example of how investing in the right companies, even on a modest level, can be especially effective when it comes to reaching your financial goals.

The Tech Stock Landscape in 2018

Over the course of 2018, the tech industry has seen it’s fair share of challenges and even scandals. The Facebook / Cambridge Analytica scandal rocked the social media giant, and questions about the companies decisions in relation to the 2016 Presidential Election further harmed the company.

In July, Facebook lost approximately $120 billion in market capitalization in a single day. The stock closed with a loss of 19 percent. However, many financial experts believe that Facebook will recover. The company has experienced significant losses only to bounce back. It’s positioned as the leading social media platform. This provides it with some longevity, giving Facebook a chance to ride out the storm.

On August 2, Apple hit a value of $1 trillion, marking a major milestone in the market by being the first publicly traded US company to do so. Over the course of 2018 alone, the company had gains of 22 percent.

Amazon is likely not far behind Apple. The online retailer crossed $900 billion in July, a feat Apple achieved in November 2017. With Amazon making key acquisitions, including Whole Foods, and continuing to dominate the retail landscape, the potential certainly exists for the company to do the same.

Some financial experts actually believe that Google/Alphabet Inc. is undervalued at this time. They are making significant strides in artificial intelligence (AI). Plus, the Waymo driverless car is making headlines for its possible impact on the vehicle industry.

Is There a FANG Stock Bubble?

While FANG stocks largely experience positive returns, especially over the long-term, some financial analysts believe it’s a bubble; one that could burst at any time.

FANG stocks have high valuations coupled with low volatility, even with some of the recent scandals. Some liken the astounding growth to the dotcom bubble in the 1990s. This leads a portion of the experts to wonder if a crash is imminent.

However, other financial analysts disagree. They believe the growth is sustainable, especially if they continue to innovate in the tech space. Advances like AI and machine learning could bolster future gains. Additionally, new tech discoveries occur regularly, and hardware improvements can also increase a company’s value.

Should You Invest in FANG Stocks?

Often, the biggest question on investors’ minds is whether they should invest in FANG stocks. While no investment is a safe bet, FANG stocks still have a lot of potential.

When a big-name company like Facebook experiences a significant loss in value, this could represent a buying opportunity. However, that is only the case if the company has the ability to recover.

If you choose to take advantage of a low point, educate yourself about the FANG stock. Monitor their earnings statements, look for details about emerging products and services, and keep an eye on legislation that could impact their operations.

Further, if you choose to invest in FANG stocks, it’s still important to diversify your portfolio. Select investments in a range of industries and companies as this lowers your overall risk.

Explore Other Sectors

You may want to explore energy, financial, health care, pharmaceuticals, or even marijuana stocks. Similarly, there are numerous other tech stocks on the market today.

For example, Microsoft has a market cap over $800 billion, but they aren’t in the FANG stocks group. If you want to invest in tech, examine other companies that may experience gains.

While FANG stocks could continue to experience gains, other industries may also have explosive growth. This can make exploring the entire market beneficial. This gives you a chance to find the next company that may skyrocket into a household name.

It’s always important to avoid fixating on a particular niche. This can harm your diversification goals. Plus, overly focusing can lead you to miss out on a stellar investment opportunity in another sector. Which could end up hurting your cumulative gains.

Ultimately FANG stocks still have a significant amount of potential. However, no company is completely bulletproof. Stay informed about your investments and look to a range of industries and companies if you want to make sure that a single stock’s decline doesn’t completely derail your financial future.

Do you invest in FANG stocks? Tell us why in the comments below.

Looking for more great investment articles? Here are a few to get you started:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Fall Cleaning Tips to Make Money and Declutter

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fall cleaning tips to save
Fall is a great time to declutter. With colder months approaching, you’ll be able to get the unnecessary clutter, dust, and germs out of your home before you’re cooped up in there for a while. What if you could better your finances by tidying up? These fall cleaning tips can help you save and make money.

Save Money Decluttering Your Home This Fall

Yes – that’s right. In addition to making it easier to relax and unwind in your home, decluttering can help you save money. While you are decluttering and cleaning, you may realize that there are  items in your home in need of attention. For instance, if you clean your windows, you may notice damages that may impact the ability to heat your home through the winter.

Another way fall cleaning may help save money is in maintaining some of your more expensive appliances. One great thing to do in the fall is dust and clean your refrigerator’s condenser coil. Doing this can prevent you from having to call a handyman down the road as well as keep your food at the correct temperature, preventing spoiled food items. Inside the fridge, you can also get rid of expired items and clean shelves to prevent illness (another opportunity to save).

Dusting the entire house while you’re doing your fall cleaning is recommended as well. Dust can build up and cause health issues and allergies. Getting rid of that will help prevent illness throughout the winter.

While you are in the kitchen, take an inventory of what you have in your pantry and make a list. This will give you an idea of what you already have and prevent you from spending unnecessary cash at the grocery store.

Lastly, don’t forget to flip your mattress! Doing so will extend the life of your mattress and, ultimately, save you money.

Make Money Fall Cleaning

If you’re aiming to rack up savings through fall cleaning, you may also be interested in knowing that you can make money as well. While you are going through closets and getting rid of things, set items aside that you may be able to sell. Thankfully, with modern technology, you won’t even have to set up a yard sale if you don’t want to. You can post your items for sale online.

  • Facebook Marketplace: The Facebook Marketplace is a great way for people in your area to check out the items you have for sale. It is essentially an online yard sale. Many of these “yard sale” pages have search functions for people looking for something specific so be sure you use good keywords in your description. People in the Saving Advice forums have chatted about their experience with the Marketplace, see what they are saying.
  • Craigslist: Craigslist is another great place to post your unwanted items. Read about how to make money on Craigslist here.
  • eBay: One of the more popular places to post items for sale is eBay. Many sales are auction-style and it can be exciting to watch the price of your items go up. Here’s how to make money on eBay.

Even if you don’t feel like posting your items for sale or having a garage sale, you can still benefit financially by donating your items. Be sure to get a receipt when you make your donation so that you’re able to deduct it from your taxes next year.

Now that you know how decluttering and cleaning can help your mental, physical, and financial health, here is the ultimate fall cleaning checklist to get yourself and your home ready for winter.

Fall Cleaning Checklist

fall cleaning tips
Readers, would you add anything to our checklist? Let us know in the comments below. 

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