How to Save While Fighting a Rat Infestation

Just the thought of dealing with a rat infestation is enough to turn many people’s stomachs. Once rats have a chance to get a foothold, though, the problem is unlikely to go away on its own. 

The good news is that there are ways to save money while fighting a rat infestation so that you don’t find yourself strapped for cash while trying to avoid nightmares about rats in your home.

Lay Your Own Traps

Due to their larger size, rats are much harder to catch than other pests such as mice or roaches. Fortunately, there are traps that are specifically designed for rats that you can place around your home. 

The downside to laying your own traps is that you will have to dispose of the dead rats yourself once the traps have been successful. If you have a strong stomach, though, this can be a great way to get rid of your rat problem quickly and inexpensively.

Find An Honest Pest Control Expert

If you want someone else to take care of your rat infestation, it’s important to do some homework to find an honest and experienced pest control contractor. A quality pest control expert will explain to you the extent of the problem and help you choose the best solution. This approach will help save you money and ensure that the problem is eradicated.

Work Quickly

Once you discover a rat infestation, it’s important to act quickly. The last thing you want is for one of the rats to reproduce while you delay action, which could leave you with an infestation that takes much longer to get rid of. 

Another word of warning is to act quickly if you lay your own traps. If you don’t remove the rat bodies quickly enough, you could attract scavengers that could also choose to set up shop in your home.

Inconvenience Yourself

In some cases, fighting a rat infestation is most cheaply done when you’re willing to inconvenience yourself. For example, if the infestation is centered on a frequently used room in your home, you’ll want to fight the temptation to use that room so that the traps and other eradication methods can do their work. 

If you aren’t willing to put a few parts of your life on hold, you may need to use a more complicated eradication method that is more expensive.

Stop It Before It Starts

Of course, the best and least expensive way to fight a rat infestation is to stop it before it starts. Taking simple steps like keeping your grass cut, closing your trash can, and ensuring all gaps in your foundation are plugged can go a long way toward preventing rats from entering your home and taking over. 

If these prevention efforts fail, though, rest assured that there are economical ways to fight the infestation that will help return your life to normal.

Brooke Chaplan is a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most of her time hiking, biking, and gardening. For more information, contact Brooke via Facebook at facebook.com/brooke.chaplan or Twitter @BrookeChaplan

How to Reduce Debt When Buying a New Home

Owning a home is one of the most rewarding and life-changing events that you can experience. Before you can own a home, though, you have to buy a home, which can sometimes be fairly complicated. 

If you’re carrying a lot of debt, this can make the process even more complicated, which is why it’s good to try and reduce this debt before you commit to purchasing the home of your dreams.

Cut Back on Non-Essential Spending

When working to reduce debt, it’s important to take a long, hard look at your spending habits. Every dollar that you spend needs to be accounted for to determine how you can cut back so that more money can go toward servicing your debt. 

Of special importance is your non-essential spending. Once you figure out your non-essential expenses, it’s important to cut these out quickly so that you can free-up much-needed capital.

Look for Alternative Mortgage Programs

The best way to reduce your debt is to avoid going into debt in the first place. Fortunately, when it comes to buying a home, there are several alternative mortgage programs available that can get you in a home while reducing the amount of debt that you’ll owe after you move in. 

To get an unbiased opinion on the best mortgage options for you, it’s a good idea to talk to your real estate agent about your current needs.

Take on A Side Hustle

Though being a workaholic certainly has its drawbacks, there’s nothing wrong with working a little extra to earn money to help you reduce your debt. Whether you’re delivering groceries, writing articles, walking dogs, or doing something else you enjoy, you’d be surprised at how quickly the income from these second jobs can add up. 

Plus, you may discover that you enjoy your side hustle so much that you opt to make it a full-time career.

Negotiate Your Rates

The largest amount that you’ll spend when servicing debt is paying for the interest that you accrue. If you can, then, it makes sense to negotiate with your lenders to see if you can get a lower interest rate on any of your debt. 

Considering how quickly interest can accrue, you could end up saving thousands of dollars with even a small reduction in your interest rate, meaning that this pursuit is definitely worth the effort.

Gaining Momentum

The good news about lowering your debt is that this process tends to gain momentum the longer you stick with it. As you reduce your debt, your credit score will increase, meaning that you’ll be eligible for lower interest rates that will help you save money. No matter how big your debt is, though, the most important part of the debt-reduction process is taking the first step to allow the process to begin.

Brooke Chaplan is a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most of her time hiking, biking, and gardening. For more information, contact Brooke via Facebook at facebook.com/brooke.chaplan or Twitter @BrookeChaplan

How Entrepreneurs Make the Most of Their Endeavors

Entrepreneurship is incredibly attractive to many people for a number of reasons. Some people like the idea of owning their business. Other people like the potential income their entrepreneurial efforts can bring. 

However, there’s a certain mindset that’s important for entrepreneurs to possess if they’d like to be successful. If you’re thinking about becoming an entrepreneur, consider some of the ways you need to make the most of your endeavors.

Embrace the Challenges

Challenges will arise. It’s a part of running a business. This is especially true when you’re a newly budding entrepreneur. However, as the challenges come, don’t sit in the seat of a victim. If you develop a victim mentality, you’ll never win. Instead, focus on what the obstacle can teach you. When you figure out what you can learn from it, you’ll naturally become stronger and wiser as a result.

Become Resourceful

It doesn’t matter which industry you’re in. There are tools that are specifically created for your brand’s needs in mind. If you’re a reseller that needs a system to help you cross-list items, there are tools you can use in order to automate that process. 

If you’re launching a new video game that you’d like to promote, there’s a game launcher that can help you navigate that process. The key is to be intentional about finding and using the resources that are available. Don’t spend too much time recreating the wheel. Use what’s in front of you.

Develop a Positive Outlook

If you wake up in the morning with the mindset that something will go wrong, you’ll make that your reality. You’ll subconsciously look for things to go wrong. Make the most of your endeavors by learning how to focus on the positive aspects of a situation. When you view life through the lens of the glass being half-full, it’ll change your perspective and how you view the possibilities of life.

Utilize Assistance

There’s nothing weak about asking for help. If you know a professional who knows more on a topic than you do, it’s okay to reach out and ask for help. If you know you need to hire a new employee, that’s a great way to have help within reach. 

Take note of the areas of your business that can use fine-tuning. Find ways to get help with those areas in order to make your business run like a well-oiled machine. It’s also important to remember that Google can serve as an amazing helper. Sometimes, the answer is a Google search away.

There are so many benefits to building your own business. However, if you don’t possess the integrity and emotional stamina to keep things going, your business will fail. Be intentional about making the most of your endeavors throughout the various aspects of your life. Once you develop that habit, it’ll bleed into the way you operate within your business.

5 Ways to Finance Your Business

Financing is one of the most challenging hurdles that businesses face. But the anxiety is just the tip of the iceberg. Considering the unstable economy, financial insufficiencies often become a roadblock for your business. 

You may start by cutting corners on essential branches of your business growth, or you might have to pass up on a talented workforce simply because you can't afford their expertise.

However, contrary to what you might think about how impossible it is for you to finance your business, there are options available to you. In this article, we’ll take a look at some of the best ways to finance your business in 2020.

Bank Loans

Yes, due to inconsistencies in the economy, getting approved for a bank loan can be difficult. However, that shouldn't keep you from trying. Several loan programs are specially designed for businesses. Plus, while most bank loans are for short terms, they do tend to be all-inclusive. 

The central concept behind bank loans for business is to help the customer capitalize on workforce capital, money management, and other operational requirements. Do make sure to check the interest rates of any bank loans you are offered.

Factoring

In short, factoring is a robust and specialized tool that helps to ensure that you have sufficient cash flow for your business. The main sentiment behind the technique is to sell your invoices to a third party. 

 The third-party pays you a set percentage of the invoice and then takes over recovering the funds. Factoring is not a deal without compromise, but it sure keeps your business running with the necessary hard cash that you receive.

Personal Savings

Perhaps one of the quickest methods of financing your business is to use your personal resources. This can be a crucial way to access money quickly and is an option for all business owners who have personal funds. 



One point to note here is that it’s a bad idea to withdraw money from a retirement plan or similar. You should also only use personal funds if you’re sure that you will be able to withdraw the money from the business at a later date.

Credit Cards

Using a credit card is a risky solution to finance your business, but a readily available option nonetheless. When you practice mindful spending, you can purchase what you need, when you need to, while also enjoying several discounts. 

The biggest downside to credit cards is that if you can’t pay the bills when they come in, you’ll start incurring interest. This can end up costing you more than you’d saved.

Crowdfunding

Crowdfunding is the method of raising a significant sum of money using a collective effort from your friends, family, customers, and individual investors. In order to crowdfund successfully, you’ll typically need to create a website that explains what you will use the funds for, and what the investor will receive should you receive the money you need. 

Some businesses will offer shares in exchange for money, while others will offer gifts. You may also be able to get people to donate for no reward depending on the reason for you needing money.

There are numerous ways to finance your business. The above five are just the most popular.

Damages You Can Be Compensated for After a Car Accident

Car accidents are horrific tragedies that you hope will never happen. However, after a car accident, you can easily get on the road to recovery. Let’s take a close and detailed look at three types of damage you can be compensated for after a car accident.

Medical expenses

To start things off, you can be compensated for medical expenses. Car accidents often leave people with permanent or temporary injuries that require treatment. When you go to the hospital, you can be reimbursed for a good portion of your expenses. 

This can largely depend on your health insurance and whether you were at fault for the accident. Regardless, you always want to look into the maximum amount of money you can receive. Hospital bills are no joke, but with a little bit of help, you can get yourself out of a sticky financial situation.

Pain and suffering

Next, judges will also compensate you for pain and suffering. Although this is impossible to quantify, it definitely exists after a severe accident. It's only right that you receive some sort of monetary reward for all of your suffering. 

This can fall in line with visits to therapists or doctors who work to correct your mental state. As long as you do your part to remain positive, car accident attorneys will cover the other half of pain and suffering.

Lost income

Last but not least, there's no way you can go to work for a couple of weeks after a major car accident. Nevertheless, you still need to pay your bills without a stable source of income. Therefore, compensation for lost income is very commonplace. The government will look at your monthly income and settle on a reasonable figure for compensation.

In conclusion, these are a couple of types of damage you can be compensated for after a car accident. You don't have to address this damage on your own. Follow these tips and secure some compensation for you and your family.

Top Financing Tips When You Need to Sue for Your Injuries

If you have been injured either as an employee or a customer due to a company's negligence, it can be difficult to try and put all the pieces together. With so much paperwork to file and so many people to consult with, it can all seem overwhelming. 

In the midst of it all, you still have bills to pay and groceries to buy, which can be difficult to finance if your injuries prevent you from working. Fortunately, if you find that you're almost out of money, there are several sources you can turn to.

Funding Drive

Depending on your specific situation, your story may attract attention if you or someone else posts it on a donation site such as GoFundMe. Though it's not a surefire way to stay afloat financially, a request for donations through a site like this can help inform people of your situation so that they can give money as they are able. 

Plus, by informing a wide audience of what's going on in your life, it may present other opportunities for help outside of monetary donations.

Lawsuit Loan

If a company's negligence has led to your injury, it's important that they are held accountable for their actions. That's why a lawsuit makes perfect sense in a situation like this. If you hire a skilled personal injury lawyer, the compensation you receive can be significant. 



Fortunately, you may be able to take out a lawsuit loan against the future value of this settlement, which can provide immediate cash to help you pay your bills.

Disability Payments

If your injury is severe, you may qualify for government disability payments to help you make ends meet. Though this can be a somewhat lengthy process, it's important to at least apply for disability payments so that you can have money coming in if you are approved. 

Your primary care physician will be a crucial part of the application process, so it's important to visit them soon after you receive your injury.

Home Equity Loan

Home equity, if you have any accrued, can be a great help during a time of need. By taking out a home equity line of credit, you can gain access to a low-interest loan that gets money in your pocket quickly. 

Of course, as with any loan, it's important to ensure that you will be able to pay it off before you put yourself in debt. However, if things are getting dire, this can make a great option.

In the midst of your suffering, there will be a lot of hoops that you have to jump through in order to receive the compensation that you deserve. Therefore, throughout the process, it's important to stay focused so that you meet the requirements to receive these various types of financing. This will help make your recovery easier so that you can get back on your feet sooner.