Georgia's Own will be closed on Monday, February 19th in observance of Presidents' Day.
10 fun things to do this summer that won’t break the bank!
Ahhh, the lazy days of summer, it’s your kids’ favorite time of the year—no school and no homework! But the novelty only lasts so long. It’s only a matter of time before you hear the all too familiar question, ”What can we do? We’re bored!”
With two whole months of summer vacation left, you’ll have to find some activities for the family that will keep them entertained but won’t break the bank. We’ve rounded up some frugal fun that will earn you big points without spending big bucks.
1. Dollar Movie Days
Many of the larger movie theater chains offer a summer program of weekly $1 family-friendly movies. Regal Cinemas Summer Movie Express 2017 includes Kung Fu Panda 3, The Boxtrolls, The Secret Life of Pets, and Sing, to name a few. Stop at the Dollar Store or the grocery store for some movie-themed snacks, and you’ve got a fun and inexpensive morning out!
2. Let Target Pay
Target sponsors FREE admission to events and museums across the nation. Check out their site to see what’s happening near you. Maybe next time you won’t feel so bad when you can’t leave the store without spending $100.
3. Apple Camp
Have a child that’s interested in technology? Apple retail stores offer Apple Camp, where kids 8 to 12 can learn to make a movie or interactive book. It’s FREE so register here.
4. Kid Swap
Have a friend that’s a good baker, painter, or movie-taker? Make plans to swap days and kids. The kids will love it because they’ll have fun with their friends and maybe learn or experience something new. You’ll enjoy it because you’ll have some free time to run errands, get some work done, or get a manicure!
5. Go for a Hike
Not all hiking trails are designed for experienced adventurers. Download the All Trails app, and wherever you are, you’ll be able to find the perfect hike, bike ride, or trail run by length, rating, and difficulty level. Filter by dog or kid-friendly trails, or find trails with great views. Bring a bird watching book, pack a picnic, and make an afternoon of it.
6. Visit a Fire Station
Most local stations will be happy to arrange tours for kids. This is an exciting field trip for both preschooler and school-age children. They’ll love learning about the different fire trucks and meeting real live heroes.
7. Crafting Classes and Workshops
Check out some of your local big chain stores like Lowe’s and Home Depot for their FREE kids’ weekly wood project workshops. Michaels craft stores also sponsor inexpensive classes for kids that encourage imagination and allow their creativity to shine!
8. Camp out
It’s always fun to sleep where you normally don’t, so whether it’s in a national park, in the backyard or under your dining room table draped with sheets, you can still call it camping!
9. Family Bowling
Bowling is always a fun time for families. Register your kids at Kids Bowl Free, to participate in a nationwide program where kids get to bowl two games for free every day during the summer at their local bowling alley.
10. Host a Scavenger Hunt
This may sound like a lot of work, but you can make it as simple or as elaborate as you like and Wikihow is just one of the many sites with instructions and great ideas.
Whatever your summer plans are, go out and enjoy yourself. Just know that all fun doesn’t have to break the bank. There are tons of things you can do that will create lasting memories and still allow you to stay within budget. Be creative and resourceful, and you’ll have the best summer yet!
Join Us Saturday, May 20th in Alpharetta for Shred Day!
Join us for Shred Day, Saturday, May 20 th at the Georgia’s Own Alpharetta Branch , located at 5825 Windward Parkway in Alpharetta. This year TWO shred trucks will be on site from 9 a.m. – 1 p.m to shred your personal documents for free (limited to 5 boxes/bags of personal documents per vehicle). We’ll also have refreshments and giveaways for the family to enjoy!
We hope to see you there!
Todd’s Mortgage Minute: Are you really ready to buy your first home?
In the mortgage industry, nothing is more rewarding than helping a client purchase their first home. The day is met with excitement, enthusiasm, and oftentimes photos to remember the day that someone has started “a new life!” That day can also be met with anxiety, worry, and wondering, “Did I make the right decision by purchasing this home?” At the end of the day, those of us in the mortgage industry should really be educating these first-time buyers so they’re prepared once the moving truck is gone and so they’re budgeting for the one-time/first-time expenses, as well as monthly bills, that come along with being a new homeowner.
From a monthly perspective, if you’re moving from an apartment or condo, you may not have had all of your utilities set up in your name — some may have been included in your rent. Cable, water, electricity, gas, internet, garbage pickup, and pest services are all monthly expenses that you’re going to have as a new homeowner. Oh, and by the way, many utility companies will not set up these services unless you pay a deposit. Did you have these costs in your budget?
First-time purchases should also be budgeted for, considering some of them are big-ticket items. Do you have a lawnmower? You’ll need a gas can, along with a weed-eater of some sort, as well. Does your new home have a refrigerator or a washer and dryer? Chances are if you’re moving from an apartment, those appliances stay in the apartment and you’ll have to buy these items. If your home is newly built, you’ll need blinds for the windows, or some sort of window treatments — not just for the front-facing windows of the home, but for ALL windows. And trust me, you don’t want to be known as the house on the street using Star Wars sheets as curtains.
The bottom line: there’s more to purchasing that first home than just having the funds needed for closing and being able to afford the monthly loan payment. Make sure you’re ready so you don’t stress after the move. Homes are meant to enrich our lives, not to stress us out!
Unconventional Ways to Pay Down Student Loan Debt
If there’s one contender for Understatement of the Century, it’s “student loans are a massive problem.” As of July 2016, there are 43.3 million student loan borrowers carrying $1.35 trillion worth of debt. That translates to roughly $31,178 per borrower, excluding compound interest. Yikes!
Lucky for college grads, there’s still hope. And it doesn’t require the utterly unsexy method of tightening the proverbial belt to inhuman limits. If you want to earn money, pay off your debt and have fun all at the same time, give these not-so-conventional tips a spin.
1.) Enter a Contest
Granted, there’s only a one-in-a-million chance to win one of those, and contests don’t come every day. But if means slashing a few thousand dollars off your debt, why not?
2.) Rent Your Apartment
Does your place see a lot of foot traffic from visitors? Consider renting it out. Just sign up for sites like Airbnb, Homeaway and FlipKey, and you can connect with potential renters ASAP. In case you need to stay somewhere else while you rent out your place on Airbnb, there’s a site called – and we’re not making this up – “Can I Stay with You While I Rent My Place on Airbnb ?”
Of course, there’ll be taxes on what you earn from renting out your place. But you can reduce your taxable income by factoring in expenses such as repairs and maintenance, insurance, etc. If you’re not sure which of these is tax deductible, don’t be afraid to ask a financial expert.
3.) Sell Items You Don’t Use Anymore
If your room is overflowing with unused knick-knacks, it might be a good idea to sell some things. As painful as it is to part with prized possessions, it’s even more painful to know that a debt might take a lifetime to pay off.
Start with items like jewelry, which appreciate in value over time . You can sell them via sites that deal with general goods, or you can find places that specialize in transactions for your particular item (e.g. Etsy for jewelry). Be careful when selling online, though: Do a background check on your buyer, ask for upfront payment and stay safe when selling online.
5.) Test Websites
Considering how many websites crop up every day, expect more people to want to know whether their website is working. Fortunately, most of them are willing to pay for that kind of service, and it doesn’t take a lot of technical know-how to test a website.
The only things you need are a computer with a microphone, a reliable Internet connection and five to twenty-five minutes to perform each test. Basically, your job is to download software, allow the software to record your screen as you browse the client’s website, record a voice review and get paid as much as $200 per month . Not bad for a task that simple!
6.) Turn Your Passion into Profit
What better way to make money than to do something you love? If you have a saleable skill, such as writing website copy or crafting handmade jewelry, you can advertise it via online job sites like Upwork, Guru and Crowded. Alternatively, you can build a self-hosted website, show off your work there and promote your site to attract eyeballs to it.
The Sky’s the Limit!
These aren’t the only ways to save up for student loan payments. You can also stick to the traditional methods of keeping your expenses low, paying your dues on time and maintaining a fund for the rainy days. But if there are more exciting options available, why not give those a shot, too?
Information taken from igrad.com
Annual Golf Challenge Raises $100,000 for L.E.A.D.
We recently held our annual golf challenge in which we raised $100,000 for L.E.A.D (Launch. Expose. Advise. Direct). L.E.A.D. is an organization in Atlanta that helps transform the lives of young men through baseball. Through their work, they have become one of Atlanta’s most impactful non-profits and we are incredibly proud to partner with them. Thanks to all who had a part in such a successful day!