Living by yourself for the first time is a milestone for many of us. Having to move out of your parent’s house comes with all kinds of new adventures and opportunities. And even though it often comes with exciting adult like feelings, living alone for the first time can also be very challenging life and life changing.

If you’re living alone for the first time, whether you’re moving out of mom and dad’s, saying no more to housemates, or getting out of a relationship and having a bed to yourself after all these years, here are 4 things you should know.

1. Everything is expensive

Living alone is a big expense. Firstly you need an accommodation. Make sure you browse through neighborhoods that you feel connected to, that you vibe with, that you can afford. Consider your commute and what that might look like. But also be realistic about prices and idealizing what’s quaint and trendy. Remember that you are in this alone.

2. Everyday is cleaning day

It’s one thing to get everything set up the way you want it, and another to turn the place into a complete mess. You’d think living alone would mean less cleaning up after the dishes, or picking the clothes left on the dryer. Actually, it’s the total opposite. There’s always something to clean up.

3. Your bills won't pay themselves

You only have you to help pay bills. You can’t afford to get a pay cut, getting fired, taking medical time off. Getting sick after all your sick days are used means you can’t afford to take time off unless your boss orders you to go home. In everything you do, you can never leave your bills unattended.

4. Budgeting and saving is tricky

While you might have planned for covering rent and bills as a single person, it’s easy to forget all of the other costs you’ll be handling on your own: groceries, laundry detergent, even just a new blanket or chair if you need it. These are things your parents cater for or perhaps you used to have a roommate to split the bills with. But you’ve taken this decision to ride solo, now it’s left to you to see it through.

What happens when your rent runs out?

This is why you have to develop the habit of budgeting and savings as early as possible so you keep up with the costly lifestyle that comes with that adulthood you so much craved for. You won’t like to be sent packing to your parent’s house. A good way to stay ahead of your next rent is to start a savings plan with Kwaba. The Kwaba app allows you to create target savings towards your rent and still offers you emergency funds whenever that adulthood bills slips back in without you having to touch your savings.

Download the Kwaba via the link below and keep your rent well managed!

https:///3JK9ABM

Living by yourself for the first time is a milestone for many of us. Having to move out of your parent’s house comes with all kinds of new adventures and opportunities. And even though it often comes with exciting adult like feelings, living alone for the first time can also be very challenging life and life changing.

If you’re living alone for the first time, whether you’re moving out of mom and dad’s, saying no more to housemates, or getting out of a relationship and having a bed to yourself after all these years, here are 4 things you should know.

1. Everything is expensive

Living alone is a big expense. Firstly you need an accommodation. Make sure you browse through neighborhoods that you feel connected to, that you vibe with, that you can afford. Consider your commute and what that might look like. But also be realistic about prices and idealizing what’s quaint and trendy. Remember that you are in this alone.

2. Everyday is cleaning day

It’s one thing to get everything set up the way you want it, and another to turn the place into a complete mess. You’d think living alone would mean less cleaning up after the dishes, or picking the clothes left on the dryer. Actually, it’s the total opposite. There’s always something to clean up.

3. Your bills won't pay themselves

You only have you to help pay bills. You can’t afford to get a pay cut, getting fired, taking medical time off. Getting sick after all your sick days are used means you can’t afford to take time off unless your boss orders you to go home. In everything you do, you can never leave your bills unattended.

4. Budgeting and saving is tricky

While you might have planned for covering rent and bills as a single person, it’s easy to forget all of the other costs you’ll be handling on your own: groceries, laundry detergent, even just a new blanket or chair if you need it. These are things your parents cater for or perhaps you used to have a roommate to split the bills with. But you’ve taken this decision to ride solo, now it’s left to you to see it through.

What happens when your rent runs out?

This is why you have to develop the habit of budgeting and savings as early as possible so you keep up with the costly lifestyle that comes with that adulthood you so much craved for. You won’t like to be sent packing to your parent’s house. A good way to stay ahead of your next rent is to start a savings plan with Kwaba. The Kwaba app allows you to create target savings towards your rent and still offers you emergency funds whenever that adulthood bills slips back in without you having to touch your savings.

Download the Kwaba via the link below and keep your rent well managed!

https:///3JK9ABM

Choosing an apartment doesn’t have to be a tiresome, tedious task but have you ever moved into what seemed like the perfect apartment, only to discover a million things you hated about it after signing the lease? Moving into a new apartment can be very exciting enough for you to miss or overlook the obvious red flags. Sometimes you only get one brief walkthrough before deciding where you’ll live for the next few years. Whether you love apartment hunting or despise it, there are certain things your must-have list should include to improve your chances of loving your new home.

Here are 5 things to look out for before making that next move;

1. The Location

More important than living in the hottest neighborhood is how close your place is to things that are important to you – public transportation, work, family and friends, and conveniences like grocery stores and restaurants. Pull up your google map if need be to check your surroundings. Choose an apartment that doesn’t force you to drive an extra 30 minutes on your commute, an apartment that works with your lifestyle rather than altering it.

2. How comfortable is the new space

As a renter, you might need to spend a lot of time in your new apartment especially if there is a chance you will be working from home. If that’s the case, take extra care to make sure your future space is suitable for remote work. You need to ask the right questions and make necessary preparations. Will you be needing a dedicated office space? Do you have a partner or roommate who also works from home, and can you work in the same room? Is the overall environment quiet and distraction-free? You need to ask the right questions to your landlord or agent.

3. Appliances

While some people are fine with laundry in the building, others can’t live without machines in the unit. Figure out your type of person and be sure your apartment has the necessary facilities. And just like you would test out the power outlets and electrical work in the apartment, testing out these appliances is a good idea.

4. Observe the parking lot at different times of the day

If you have a car, being able to park without too much hassle is crucial. When moving into a busy apartment complex, it’s totally possible that you could have 100+ people there. That makes the parking lot very important. You will want to visit the apartment around the time everyone is getting home and leaving for work. This will give you a good idea of how hectic leaving the apartment will be and will show you how much competition for spots there is after work.

5. Security

You would be surprised at how much a neighborhood or building could change from day to night. It could be bright, calm, and safe during the day but transform into dark, chaotic, and dangerous at night. If the door to your potential apartment opens right onto the sidewalk with no fence or common entryway, safety may be a concern. Especially if you’re living alone, look for a building with a lobby, fenced and even with a gateman.

There are a lot of questions to ask when it comes to how to choose an apartment, and a lot of information to filter through in pinpointing a perfect match. Don’t hesitate to ask more pointing questions of the agents or apartment managers and do a background research by yourself.

If you need to pay for your next apartment, kindly visit [url]kwaba.africa[/url]

Choosing an apartment doesn’t have to be a tiresome, tedious task but have you ever moved into what seemed like the perfect apartment, only to discover a million things you hated about it after signing the lease? Moving into a new apartment can be very exciting enough for you to miss or overlook the obvious red flags. Sometimes you only get one brief walkthrough before deciding where you’ll live for the next few years. Whether you love apartment hunting or despise it, there are certain things your must-have list should include to improve your chances of loving your new home.

Here are 5 things to look out for before making that next move;

1. The Location

More important than living in the hottest neighborhood is how close your place is to things that are important to you – public transportation, work, family and friends, and conveniences like grocery stores and restaurants. Pull up your google map if need be to check your surroundings. Choose an apartment that doesn’t force you to drive an extra 30 minutes on your commute, an apartment that works with your lifestyle rather than altering it.

2. How comfortable is the new space

As a renter, you might need to spend a lot of time in your new apartment especially if there is a chance you will be working from home. If that’s the case, take extra care to make sure your future space is suitable for remote work. You need to ask the right questions and make necessary preparations. Will you be needing a dedicated office space? Do you have a partner or roommate who also works from home, and can you work in the same room? Is the overall environment quiet and distraction-free? You need to ask the right questions to your landlord or agent.

3. Appliances

While some people are fine with laundry in the building, others can’t live without machines in the unit. Figure out your type of person and be sure your apartment has the necessary facilities. And just like you would test out the power outlets and electrical work in the apartment, testing out these appliances is a good idea.

4. Observe the parking lot at different times of the day

If you have a car, being able to park without too much hassle is crucial. When moving into a busy apartment complex, it’s totally possible that you could have 100+ people there. That makes the parking lot very important. You will want to visit the apartment around the time everyone is getting home and leaving for work. This will give you a good idea of how hectic leaving the apartment will be and will show you how much competition for spots there is after work.

5. Security

You would be surprised at how much a neighborhood or building could change from day to night. It could be bright, calm, and safe during the day but transform into dark, chaotic, and dangerous at night. If the door to your potential apartment opens right onto the sidewalk with no fence or common entryway, safety may be a concern. Especially if you’re living alone, look for a building with a lobby, fenced and even with a gateman.

There are a lot of questions to ask when it comes to how to choose an apartment, and a lot of information to filter through in pinpointing a perfect match. Don’t hesitate to ask more pointing questions of the agents or apartment managers and do a background research by yourself.

If you need to pay for your next apartment, kindly visit [url]kwaba.africa[/url]

Shopping for New Things has a Domino Effect

This is something we’ve all gone through. You go into a store to buy a certain item, and your aim is to just shop for that item. At first glance, it appears that you are following your shopping list. Your strategy, however, begins to fall apart like a stack of dominoes. You choose item after thing, and wind up paying far more than you planned… Despite the fact that you just searched for “ways to save money,” Because they match, a yellow shirt leads to a mustard scarf. Or, if color-coding is your thing, a brown shoe leads to a brown belt and tie.

The Diderot Effect

The Diderot Effect is the name given to this type of behavior. James Clear popularized it in his book, ‘Atomic Habits.‘ “The Diderot Effect implies that acquiring a new thing frequently causes a spiral of consumption that leads to subsequent acquisition,” he stated. It was named after Diderot, a guy who wished to enhance his goods after gaining some money. It began with him purchasing a suitable robe, but he quickly replaced thing after item in his home to reflect his “new status.” This is how you end up buying more than you intended. It is always just one purchase that sets off the chain reaction.

How it may have a negative impact on you

Obviously, shopping isn’t a negative thing. It is only when it is done subconsciously that it becomes an issue. When you shop, whether online or in person, you must be very conscious of what is going on. Allowing the Diderot Effect to control your purchasing decisions will result in financial stress. This is due to the fact that you will always spend money that was intended for something else.

How to save money by conquering it

Start by focusing on the things that matter. You can learn how to save money when you differentiate between your needs and wants.

You might need a new shoe because your old ones are bad. What you might not need is a new belt because you have others that are just fine!

Reduce Exposure: Instead of taking your card with you to the mall, withdraw the amount of money you need and keep your debit card away. This helps you eliminate the temptation to go on a shopping spree. Shopping with your card in hand can be fun, but will eventually lead to tears when you get home.

Go one month without buying anything new: You know, the way there is a #NoSodaMonthChallenge or a #30DaySquatsChallenge. You can self-impose a #NoNewPurchaseChallenge. This is especially useful if you are one to always buy new items, whether they are essential or not. Kwaba is also about to launch a savings challenge to help conquer this.

Simply being disciplined will teach you how to save money. Saving money entails more than just putting it in your Kwaba account, but it’s a great start. When you keep to your budget, you’ll usually have some money left over at the end of each month.

Now that you know what the Diderot Effect is, you can use it to your advantage. Has it ever had an impact on you?

What did you buy without realizing it, and how did you get rid of it? Please share your thoughts in the comments section below.

Shopping for New Things has a Domino Effect

This is something we’ve all gone through. You go into a store to buy a certain item, and your aim is to just shop for that item. At first glance, it appears that you are following your shopping list. Your strategy, however, begins to fall apart like a stack of dominoes. You choose item after thing, and wind up paying far more than you planned… Despite the fact that you just searched for “ways to save money,” Because they match, a yellow shirt leads to a mustard scarf. Or, if color-coding is your thing, a brown shoe leads to a brown belt and tie.

The Diderot Effect

The Diderot Effect is the name given to this type of behavior. James Clear popularized it in his book, ‘Atomic Habits.‘ “The Diderot Effect implies that acquiring a new thing frequently causes a spiral of consumption that leads to subsequent acquisition,” he stated. It was named after Diderot, a guy who wished to enhance his goods after gaining some money. It began with him purchasing a suitable robe, but he quickly replaced thing after item in his home to reflect his “new status.” This is how you end up buying more than you intended. It is always just one purchase that sets off the chain reaction.

How it may have a negative impact on you

Obviously, shopping isn’t a negative thing. It is only when it is done subconsciously that it becomes an issue. When you shop, whether online or in person, you must be very conscious of what is going on. Allowing the Diderot Effect to control your purchasing decisions will result in financial stress. This is due to the fact that you will always spend money that was intended for something else.

How to save money by conquering it

Start by focusing on the things that matter. You can learn how to save money when you differentiate between your needs and wants.

You might need a new shoe because your old ones are bad. What you might not need is a new belt because you have others that are just fine!

Reduce Exposure: Instead of taking your card with you to the mall, withdraw the amount of money you need and keep your debit card away. This helps you eliminate the temptation to go on a shopping spree. Shopping with your card in hand can be fun, but will eventually lead to tears when you get home.

Go one month without buying anything new: You know, the way there is a #NoSodaMonthChallenge or a #30DaySquatsChallenge. You can self-impose a #NoNewPurchaseChallenge. This is especially useful if you are one to always buy new items, whether they are essential or not. Kwaba is also about to launch a savings challenge to help conquer this.

Simply being disciplined will teach you how to save money. Saving money entails more than just putting it in your Kwaba account, but it’s a great start. When you keep to your budget, you’ll usually have some money left over at the end of each month.

Now that you know what the Diderot Effect is, you can use it to your advantage. Has it ever had an impact on you?

What did you buy without realizing it, and how did you get rid of it? Please share your thoughts in the comments section below.