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How to improve your financial health

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(Family Features) Your financial health is just as important as your physical and mental health. Money affects almost every aspect of your life and can be the determining factor in many of your day-to-day decisions.

Being financially healthy isn’t just about how much money you have in the bank. It also encompasses your financial capability and how you feel about money orhow money makes you feel.

Start by doing a self-check to determine your financial health. Look at where your accounts currently stand, including the statuses and balances. The balances in your accounts can be used to calculate your net worth, which is a numerical indicator of your overall financial health from an accounting standpoint.

Also consider your feelings and relationship with money, including the emotions you experience when someone brings up topics involving money. Then determine if you are a saver or spender. Understanding how you feel about your finances and why you have these feelings can help you improve your overall financial health along with these tips from the financial experts at kinly, a financial services company helping Black America build generational wealth.

Set Financial Goals

To improve your financial health, start by setting short-term, mid-term and long-term financial S.M.A.R.T. (specific, measurable, achievable, relevant, time bound) goals. S.M.A.R.T. goal setting can help you be more specific, provide a way to measure your progress, allow you to create a plan to make things more achievable, ensure your goals are in line with other objectives and provide deadlines, so your financial goals don’t get lost in the shuffle of day-to-day life.

Create a Money Plan
A money plan is a guide that details how you want to use your income monthly. This plan should consider the money you want to save and the money you want to spend. As you add your list of expenses, use this opportunity to review where your money is going and if your spending is in line with the financial goals you’ve set. This is also an opportunity to look for ways to reduce or eliminate spending so your money can be used for things that are important to you, like saving for a down payment on a car or home, or purchasing an item from your wish list.

Expand Your Financial Knowledge
Explore ways to become more comfortable with money and take control of your financial future. Your relationship with money and how you feel about it make up your money story. Money stories involve emotions, beliefs and experiences with money from childhood to adulthood. Start by spending 10-20 minutes each day exploring topics around money or personal finances to help build your knowledge base. You can do this by listening to podcasts, reading books, browsing reputable personal finance websites or exploring financial education resources provided by your financial institution.

If you need a more personalized approach to developing a better relationship with your finances, explore working with a financial coach. Your financial coach can work with you on a range of fundamental money management skills. For example, a financial coach can help you overcome financial anxiety or come up with a debt repayment strategy. The coach can help guide, teach, empower and challenge you to grow into a savvy money user.

When determining your financial health, remember personal finance is personal. The financial decisions you make today impact your overall financial health. Determine what financial success looks like for you and incorporate mindfulness, resources  and other financially beneficial strategies to help improve your relationship with your finances. Find additional advice and resources to help you manage your money at bekinly.com.

Photos courtesy of Getty Images



 
SOURCE:
kinly

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Get ready to grill: Choosing the right outdoor cooking solution

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(Family Features) Warmer temperatures and sun-filled days mean it’s time to take entertaining and socializing outdoors, and a key component of many outdoor gatherings is fresh-grilled food.

Because firing up the grill can make prepping meals quick and easy, it allows you to spend more time with friends and family rather than missing out on the sunshine while stuck in the kitchen. Whether you’re a first-time griller or consider yourself a master of the grates, there’s a grill available to meet your skill level and needs, such as these options that provide flexibility for small-to-midsize backyard spaces – as well as a large built-in model for custom outdoor kitchens – and a variety of features and function to make the most of your warm weather gatherings.

Portable, Small-Space Cooking

Ideal for first-time grillers, couples, small families or those with limited backyard spaces, the Megamaster 3-Burner Gas Grillwas designed to fuse performance and value. Despite its size, it can cater to almost any grilling or entertaining need with three stainless steel burners and 447 square inches of cooking space, a combination of versatility and capacity to prepare large quantities of food as well as various types of food simultaneously. Plus, it’s easy to maneuver on two heavy-duty wheels, making it simple to free up patio space after use. Learn more at megamaster.com.

Family-Sized Functionality

With ample cooking space to feed small and medium-sized groups, the Nexgrill 4-Burner Gas Grill with Side Burner is a perfect all-around grill for both beginners and seasoned grilling enthusiasts. Always ready to fire up some flavor, the durable grill also features a stainless steel side burner to saute, simmer and warm dishes simultaneously as well as 628 square inches of cooking space, meaning family favorites like burgers, dogs, chicken and more can be put on the table quickly. Find more information at nexgrill.com.

Elevate Your Outdoor Kitchen

If your outdoor living area includes enough space, you can elevate the outdoor cooking experience with an outdoor kitchen. Put a premium, built-in grill like the Spire 6-Burner Built-In Grill at the center of your custom, luxurious entertaining space. This dual-fuel, stainless steel gas grill features 904 square inches of cooking space and 73,000 British thermal units of cooking power across six main burners and an intense-heat ceramic rear burner, producing restaurant-quality sear marks and exceptional heat retention. Visit spireoutdoor.com to learn more about the durable, high-performance grilling solution.


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Megamaster

Nexgrill

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Tips to make your AC more energy efficient, sustainable

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(Family Features) Updating your HVAC (heating, ventilation and air conditioning) system to cool your home in a smart and sustainable way involves several steps that not only improve energy efficiency but also reduce environmental impact.

Consider these tips from the heating and cooling experts at Carrier to help make your cooling system more eco-friendly:

  1. Upgrade to an Energy-Efficient HVAC System. If your HVAC system is outdated, consider replacing it with a more energy-efficient model. Look for systems with an Energy Star or high SEER2 (seasonal energy efficiency ratio) rating, which indicates better energy efficiency. The higher the SEER2 rating, the more efficient the unit. Financial incentives for installing a higher-efficiency system are available through the Inflation Reduction Act of 2022. You can also shop for rebates from manufacturers and utility companies.
     
  2. Look for a Carbon-Free HVAC System. Heat pumps, ductless and VRF (variable refrigerant flow) systems that run on electricity and use low global-warming potential refrigerant, like Carrier’s Puron Advance, can help reduce your home’s negative impact on the environment.
     
  3. Install a Smart Thermostat. A smart thermostat can be programmed based on your preferences and adjust temperatures automatically. These devices can be controlled remotely through smartphones and help reduce energy consumption by cooling your home only when necessary.
     
  4. Conduct Regular Maintenance. Keep your HVAC system running efficiently with regular maintenance. This includes cleaning or replacing air filters every 1-3 months, checking refrigerant levels, cleaning outside condenser coils and ensuring the system’s components are in good, working condition and the airflow is not blocked.
     
  5. Seal and Insulate. Improve your home’s insulation to maintain a consistent temperature. Seal windows, doors and any gaps or cracks to prevent cool air from escaping. This can significantly reduce the workload on your HVAC system.
     
  6. Use Ceiling Fans. Ceiling fans can help circulate cool air throughout your home, allowing you to set the thermostat at a higher temperature without sacrificing comfort, thus saving energy.
     
  7. Add Window Treatments. Use blinds, shades or curtains to block out sunlight and reduce heat gain during the hottest parts of the day. This simple step can make a big difference in how much your air conditioner needs to work.
     
  8. Upgrade to a Variable-Speed Compressor. Traditional compressors operate at full power or not at all. However, a variable-speed compressor can adjust its output to match your cooling needs precisely, resulting in better efficiency, energy savings and improved indoor comfort.
     
  9. Ventilate Properly. Ensure proper ventilation in your home, especially in areas like the kitchen and bathroom, to remove excess heat and humidity, which can reduce the need for air conditioning.
     
  10. Update Roofing. If you’re replacing your roof, consider cool roofing materials that reflect more sunlight and absorb less heat than standard roofing materials, reducing the heat that enters your home.

By implementing these strategies, you can improve or update your HVAC system to cool your home more sustainably. Not only do these steps help the environment, they can also lead to lower energy bills and improved indoor comfort. Always consult with an HVAC professional to determine the best and most efficient options for your home and needs.

Find more information and tips to sustainably cool your home at Carrier.com.


SOURCE:
Carrier

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Steps to get your yard ready for spring

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(Family Features) As the weather begins to warm and days get longer, it’s important to begin preparing your yard for a healthy growing season. While factors like climate, soil type and grass type can all impact how your yard grows, there are a few steps you can take during the spring months to help your lawn thrive.

From dethatching and aerating to fertilizing and mowing, tackling these simple chores can help ensure your yard looks its best and is prepared to fight off seasonal weeds, disease and drought.

Tune Your Mower
Before it’s time for the first mowing of the season, inspect your mower and perform any routine maintenance necessary. That goes beyond sharpening, or replacing, the blade, and includes changing the oil, spark plugs and filter as well as filling with a fresh tank of gas.

Loosen the Thatch Layer
While it’s important to avoid working on your lawn until after the final freeze to avoid damaging the grass, raking your yard with a spring tine rake to loosen thatch – the layer of leaves, roots and dead grass that builds up between live grass and soil – before the first mow is equally important. Be sure to rake when the soil is dry; if it’s too soft or muddy, you may pull up healthy grass crowns.

Combat Compacted Soil
If your soil has become compacted – likely the effect of heavy foot traffic – and is too dense for water, air and other nutrients to reach the roots of your grass, aerating can help break it up and reduce thatch. A core, or plug, aerator can introduce tiny holes into your soil by removing plugs of grass and soil, which lets nutrients more easily reach the roots. An added bonus, the plugs can decompose on top of your grass, supplying more nutrients.

Fill in Bare Spots
If your lawn is looking sparse, overseeding, which involves spreading grass seed over your existing lawn, can help fill in bare spots. Be sure to choose the right type of seed for your climate and soil type to ensure proper growth. Applying a slow-release nitrogen fertilizer at the same time can provide additional nutrients that are important for promoting healthy growth.

Start Seasonal Mowing
When the ground is dry enough and your grass is long enough to require cutting, begin seasonal mowing. Be sure to use proper techniques, including varying your mowing direction each time to avoid creating patterns or ruts, and avoid cutting grass too low, which can make the lawn more susceptible to weeds and drought stress. In general, never remove more than one-third of the grass blade at a time.

Find more tips to help get your yard ready for warm weather at eLivingtoday.com.

Photo courtesy of Unsplash


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eLivingtoday.com

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