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Saving & Beyond

The Benefits of Having an Emergency Fund

An emergency fund, contrary to popular belief, is different from your savings. This fund will save you the time of looking for money when unexpected things happen, and it will save you the time of stressing out too!

Here are the benefits of having an emergency fund:


You can pay hospital bills

Doctor_takes_blood_pressureBeing admitted to a hospital because of an accident can’t be foretold. You might have been allotting money for your monthly check-ups, but what about unexpected ones? Dental and medical bills can leave your eyes in shock, and your jaw dropped, so the best thing to do is save up for these mishaps. Bear in mind that your insurance cannot cover all hospital operations, so you’ll have to be prepared to get money out of your emergency fund.


You can repair or purchase appliances immediately

Suppose your refrigerator just stopped working, you wouldn’t want the food to rot, would you? So naturally, you’ll be troubled by the need for repairs or worse, the need to buy a new refrigerator! With an emergency fund, you can calmly call and ask for a professional to fix it without worrying about the money. There are also other home repairs (e.g., plumbing) only handymen can do, which means you’ll have to spend money again. If you have a fund for unpredictable occurrences, you won’t have to panic about such things ever again.

You can send your car for repair right away

repair car auto

Cars are convenient vehicles that have become a necessity in this busy world. But they also need to be maintained or repaired once in a blue moon. Auto repairs might even surprise you. Take note that they aren’t cheap! If some parts need to be replaced, you’ll have no choice but to spend cash right then and there. This is where the emergency fund comes in. It’s for that time when your car decides to break down. Allot money for auto repairs now and save yourself from stress. Your car already broke down—you don’t have to break down too, you know!

emergency fund cash You can travel instantly

If there’s an emergency someplace else, perhaps caused by a family member’s death, the plane tickets could be expensive because you need them at the last minute. It’s essential to keep an emergency fund for unexpected travels so you won’t need to fret about the money and just go on your way.



If you’re a gardener, you can save money by checking out our list of the best back pack sprayers!

Saving & Beyond

Is a Spotting Scope Better than Binoculars?

Both binoculars and spotting scopes are used to view sea and land objects. But which is better if we talk about the price and the performance?

Money Matters

If you check the price range of both scopes on Amazon, you’ll find that spotting scopes cost as low as $20 and as expensive as $2,700, and binoculars are priced from $11 to 8,000. Just by comparing their price range, you’ll probably conclude that binoculars are better. In truth, they aren’t.

save money cash bills scrabble

Spotting scopes, whether they’re straight or angled, have better magnification power than binoculars. Their zooming capacity stars where the binoculars’ end. They will help you see farther objects compared to binoculars. Because of their high magnification, they give a sharper and clearer view. Plus, they have a larger aperture for low-light conditions. Having said that, the cheapest spotting scope might cost $9 more than the cheapest binoculars, but you’re getting more benefits in return. Because a spotting scope is ideal for any activity, you also get more of what you bargained for.

Uses of a spotting scope


Whether you’re a target shooter or a hunter, a spotting scope is much better to use than a binocular. It can be incorporated with your rifle because of its light weight and portability. If you want to find your target with ease, get what you deserve. You’ll find all you need in a compact spotting scope.

spotting scope

Informal Astronomy

A spotting scope, which is considered a small and convenient version of a telescope, corrects the image orientation, unlike the telescopes. Their optics are oriented the right way up and have a built-in zoom lens, making them ideal for casual astronomies. You might be able to see a few objects with your binoculars, but if you’re concerned about getting the best for your money, you better buy a spotting scope instead. They will give you a more detailed view of the constellations, the sun, and a few planets! With a binocular, you’ll only be able to get a glimpse of the moon’s shape. But with a spotting scope, you can take a look at the huge craters and mountain ranges too!


Observing animals

Observe the lives of goats, deer, and other wildlife with your scope better! You can also observe insects like hornets and bees, without having to jeopardize your safety. If you’re a bird lover, you can also maximize your birding experience with a spotting scope! Binoculars might be unable to give you a detailed view of a bird’s plumage, but a spotting scope surely can.

More birding news here

eagle blue sky


Keeping an eye on something or someone? A spotting scope can do the job better than binoculars. I just hope you’re not a stalker.

Ready to purchase a spotting scope? Get started by reading this article



Saving & Beyond

Saving More Effectively At Home

True enough, saving money can be a little daunting. You will not just be required to cut down on your overall spending budget, but also to cut back on what you want to do and what you want to have.

But you know what?

Saving money can also be a little delighting. You will not only learn how to prioritize more on your overall spending budget, but also to focus more on what you need to do and what you need to have.

And you know what?

This, and even more, can be started at home.

That being said, here are some ways to save more effectively at home:

Observe the 3Rs.


And no, it doesn’t mean observing like you would when exploring a new place. And yes, it does mean observing like you would when establishing a new habit. Even more so, it means observing the 3Rs of environmental protection: (1) reduce, for when you’re saving up on electricity costs during reorganizations and others; (2) reuse, for when you’re saving up on labor costs during renovations and others; and (3) recycle, for when you’re saving up on material costs during reinventions and others.

Go D.I.Y.

It’s one thing to observe the 3Rs. It’s another thing to go D.I.Y. You see, going D.I.Y. allows you to save more effectively at home while observing the 3Rs in your own little way. You can save more effectively on electricity costs and others by purchasing what needs to be purchased by yourself. You can also save more effectively on labor costs and others by doing what needs to be done by yourself. You can even save more effectively on material costs by exchanging what needs to be exchanged by yourself.

Be willing enough.

at home

Always remember, you can always save more effectively, especially if you have a goal, especially if you’re willing to not fall back into your old ways. However, you can’t always save more effectively, even if you have a goal, even if you’re willing to not fall back into your old ways. And yes – not unless you keep the latter from happening by being willing enough to establish new habits at home that will help you save more effectively such as those mentioned above.

Do you know any other ways to save more effectively at home? Let us know in the comments section below!

And if you’re looking to go D.I.Y. this weekend, check out for more tips and advice.