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Saving money to buy a house requires a well-structured plan and disciplined execution. First of all, you have to know the local real estate market. Secondly, you have to have a financial plan.
Some of the things you’ll want to consider will be lifestyle issues: What are the schools like in the area? How close is it from the job? All those are important questions, but one of the main ones is how much money to save for the down payment.
This article will show you some easy steps on how to save money for a home.
How To Save For A House This Year: 5 Steps That Work
Homeownership is an achievement that comes with the American Dream. The problem is that relatively few people ever realize it. But you certainly can. Here are the steps:
1. Set A Realistic Goal
The first thing you need to do is set a realistic goal for the type of home you want to afford. If you think a $900,000 mansion is within your means, then go for it. But for many people, that’s not realistic.
Do some homework on the specific neighborhoods you want to live in. Some are better than others.
- Evaluate Income and Expenses: Create a detailed budget to understand your financial situation.
- Check Your Credit Score: A higher score helps secure better mortgage rates.
- Pay Off Debt: Reduce high-interest debts to free up savings potential.
You’ll only get the home that you can afford to pay for it. As for the dream homes, please stick to the rivers and the lakes that you’re used to.
2. Create A Budget
Once you’ve set a goal, it’s time to create a budget that will allow you to save up for your down payment. The way to do that is to reduce expenses.
You’ll have to look at your monthly expenses and see if you can cut things like subscriptions and gym memberships.
As you know, you’ll traditionally need 20% down payment to buy a home, but this is not always the case. Many lenders an take down payments much lower than that.
3. Get A Government Loan
The way to afford the home you want is to get a government lender to give you the money. No offense, Bank of America or Regions, but government loans are usually way more generous.
There are some great lenders that let borrowers put down way less than 20%. Here are a few:
- FHA loans
- VA loans
- USDA loans, (no down payment required)
Read our guide on how to find lost government money.
4. Get A Side Hustle
Another great way to save up for a home is to get a side job. Don’t think that you need to kill yourself to earn some extra income. All you need is something to add to the pot you already have.
- Set Up a Separate Savings Account: Open a high-yield savings account specifically for your house fund.
- Automate Savings: Set up automatic transfers to ensure consistent contributions.
- Cut Unnecessary Expenses: Trim subscriptions, dine out less, and shop mindfully.
Don’t know where to start? Read how you can turn hobbies into side hustles fast.
5. Save Your Big Money
Chances are you’re going to get big money at least three times in a calendar year. Save it for your down payment.
- Take on Side Gigs: Freelance, gig work, or part-time jobs can supplement your income.
- Seek Promotions or Raises: Ask for a salary increase or explore higher-paying roles.
- Sell Unused Items: Declutter your home and sell valuable items online.
No matter if it’s your holiday bonus, tax refund or even a stimulus payment, you will have an opportunity to save big money. All you have to do is put it away.
How Much Money Should I Save A Month To Buy A House?
Because you’ll need to save money incrementally, it’s good to put together a plan to set cash aside each month. How much should you save? It depends.
If you want to buy a home that costs $250,000, you’ll need to save $250 a month for four years until you come up with 20% down payment. That’s around $50,000.
Here’s how to find out much rent you can afford in Atlanta.
How Much Money Do I Have To Make To Save For A House?
A lot of people don’t think they can save money for a house because they aren’t making big money. You may be wondering what kind of salary you need to pull to save up for a home.
The truth is that it depends on what the prices are in your local real estate market.
If you the homes in your area cost $200,000, then you’ll need to save $60,000 for a 30% down payment. If you save $20,000 a year, you can accumulate $60,000 in three short years.
I know it sounds easier than it is to do, but here are some creative ways you can save money.
Last Words
If you’re considering buying a home, there are many things to think about, including getting a home inspection if it’s not a new build.
If you’re serious about saving for a home, there’s nothing that says you have to only save 20% for your down payment. Why not aim for 30%?
The more you save, the cheaper your home will be over the length of the mortgage. If you can save money on the front end, once you get inside your new home, you’ll sleep much better.
Read more: How To Buy Land In 6 Easy Steps
Once you’ve saved a certain amount of money, it’s time to start looking at cheap homes for sale.
Interested in other ways to save or make money? Check out our Money Section:
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Natural hair can be a wonderful blessing — when you treat it right. There’s no better way to manage your natural hair than to feed it the hair food it thrives on.
In this article, we’ll show you top products for natural hair with great reviews and that are affordable. Another thing that attests to their quality is the fact that they are all highly ranked.
Best Products For Natural Hair
Looking for beauty products like oils, conditioners that help your natural hair? Here are the best natural hair products for your money.
1. Shea Moisture Shampoo & Conditioner (13 Oz. & 16 Oz)
Shea Moisture Jamaican Black Castor Oil Combination Pack – Strengthen, Grow & Restore – Shampoo, 16.3 Oz, Conditioner 13 Oz. & Leave-In Conditioner 16 Oz.
2. BunzeeBands Adjustable Length Hairband
BunzeeBands Adjustable Length Hairband | Long Cushioned Headband Ties for Women with Thick, Braided, Kinky, Curly, Natural Hair | Extra Stretchy, No-Slip Design (Single, Black).
3. Hairfinity Ultimate Revival Kit
Here’s what one Amazon reviewer says about Hairfinity Ultimate Revival Kit: “I love this product! It is not heavy and does not make my hair feel weighed down. I have used for my wash and go (air dry) as well as for a blowout. I was pleased both times. There’s no residue build up and my hair was soft and manageable.”4. WOW Apple Cider Vinegar Shampoo & Hair Conditioner Set
WOW Apple Cider Vinegar Shampoo & Hair Conditioner Set – (2 x 16.9 Fl Oz / 500mL) – Increase Gloss, Hydration, Shine – Reduce Itchy Scalp, Dandruff & Frizz – No Parabens or Sulfates – All Hair Types.
Here’s what one reviewer says about Wow Apple Cider Vinegar Shampoo: “, I decided it wouldn’t kill me to try it and I did. After the first use I fell in love because of how soft my hair was! I even bleached my hair to get the red out and you can’t even tell it was bleached because of how healthy it looks! I’m not usually a returning customer for this kind of stuff, but this one is a must!!”
6. Carols Daughter Almond Milk Hair Care Gift Set for Damaged/Over-Processed Hair
Carols Daughter Almond Milk Hair Care Gift Set for Extremely Damaged/Over-Processed Hair. $15
Here’s what one reviewer says about Carols Daught Almond Milk Hare Care: “The first time I used this shampoo/conditioner duo IT SAVED MY LIFE. I had made the poorest of choices to save money and go to the hair cuttery for a revamp on my platinum blonde dye….The woman bleached my hair TWICE in one sitting and my hair was DESTROYED. I scoured the first drug store I came too and read every bottle label for moisturizing products and finally landed on this gem. Honest ingredients, reasonable price and most importantly – IT WORKS.”
7.
DevaCurl One Condition Original Rich Cream Conditioner
Here’s what one reviewer says about this product. “Great for my hair which is fine and curly. Not heavy at all. Love this stuff! Keeps it moisturized. I don’t care for the bulkiness of the bottle and the small spay nozzle so I transferred it to a more comfortable spray bottle.”8. Hairfluence – Hair Growth Formula For Longer, Stronger, Healthier Hair
Hair Growth Formula For Longer, Stronger, Healthier Hair – Scientifically Formulated with Biotin, Keratin, Bamboo & More! – For All Hair Types – Veggie Capsules.
9. The Roots Naturelle Virgin Hair Fertilizer Conditioning Treatment (Large 16oz)
Here’s what one reviewer says about The Roots Naturelle Virgin Hair Fertilizer. ” tried the VIRGIN HAIR FERTILIZER conditioner for the fist time and my itchy scalp says thank you. The product smells good and goes on creamy and smooth. The tingle is immediately felt when I’m in the shower and is felt after leaving the shower. The intens itching of my scalp has decreased. The shedding has decreased. Will order more VIRGIN HAIR FERTILIZER.”
When it comes to hair products, it’s important to consider your specific hair type, concerns, and personal preferences. Here are some product categories that are often recommended for Black women’s hair.Looking to shop? Check out the best malls in Atlanta
Other Haircare Links To Check Out:
- These Hair Clippers Get The Job Done
- Best Products For Curly Hair
- Best Hair Straighteners For The Money
- Want That Golden Glare? 10 Blonde Wigs That Shine
Along with the wonderful things to eat and do in Atlanta, there are also so awesome places to shop.
In addition to malls, many Atlanta boutiques and consignment shops have daily deals so that you can save money.
Atlanta’s retail scene continues to be a bright spot for the local economy — and that means more sales for everyone!
Here are more articles from AtlantaFi.com you might like:
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Locks and twists were very popular over the past 10 years and they still are in fashion during the warmer months of the year. The good news is that getting your hair locked or in “locs,” as they say is affordable in Atlanta, Georgia and its surroundings.
Locs are not hairstyles you don’t want to try yourself, especially with so many professionals that do it well in the city. But you may have some questions concerning dreadlocks and the different styles.
This article will answer all your questions about dreadlocks as well as where to find salons in Atlanta that install dreadlocks. But first…
What Are Dreadlocks?
Dreadlocks are a culturally significant hairstyle worn by various peoples, but popularized in modern times by those of Caribbean descent. The tightly wound locks have a rope-like texture due to becoming matted over time.
The application of dreadlocks at hair salons around the United States begins by bunching up several strands of hair and twisting them. Dreadlocks can also be grown by twisting hair that is already shoulder-length or longer. The key is to let the hair mat.
At the bottom of this article, we will share some moisturizing tips as well as other ways to treat dreadlocks, but you may be wondering where to find a stylist locally who can put dreadlocks in your head.
Here Are The Best Dreadlock Salons In Atlanta
This list is not listed in order of best. All or most of these dreadlock salons provide retwists, steam hydration and other services.
Dread’Loc Guru
1514 Cleveland Ave, Atlanta, GA 30344 | (404) 337-7305
Here’s what one Google reviewer says about Dread’Loc Guru: “I’ve been going to Shay for 2 years now and I have never been disappointed. She takes her time but is quick with her hands she is the best hands down I will not let anyone do my hair but her she has the Midas touch her work speaks for itself.”
Treasure Box N Locs Hair Salon
3461 Roosevelt Hwy #11, Atlanta, GA 30349 | (678) 334-9453
Here’s what one reviewer says about Treasure Box N Locs: “I enjoy the stylist she is very professional and great at what she does for natural hair.”
Natural Creations Salon
2380 Benjamin E Mays, Atlanta, GA 30311 | (404) 441-4927
Here’s what one reviewer says about Natural Creations Salon: “I love the way both locticians do my daughter’s hair, you can’t go wrong going to Natural Creations Salon!”
Best Places To Get Dreadlock Extensions Locally & Online
If you can’t find what you’re looking for in the city, you can always buy dreadlocks online. Here are some of the top varieties that are best sellers on Amazon:
20″ Dreadlock Extension Ombre (10strands/2packs, bleach blonde)
AOSOME 20-Inch Sand Color Dreadlock Extensions Crochet Locs
Dsoar Dreadlock Extensions Brown Synthetic Dreads 20 Inch 12 Strands
7 Packs Goddess Faux Locs Crochet Hair Extensions
Yotchoi 100% Human Hair Dreadlocks Extension Handmade Locs Small Size
YONNA Human Hair Microlocks Sisterlocks Dreadlocks Extensions 20Locs Full Handmade
Are Dreadlocks Bad For Your Hair?
One common misconception about people with dreadlocks is that they don’t wash or condition their hair. That is false.
Most people who wear dreadlocks wash their hair on a regular basis. The key to washing locs is to use a residue-free shampoo. This ensures that your hair dries properly and doesn’t retain chemicals that could lead to breakage.
How To Care For Your Dreadlocks
If you’re interested in caring for your dreadlocks, you need to follow a proper maintenance schedule. Here’s a two-part process that you can do. Remember, after you wash your hair, get it about five days before you treat it.
How to Keep Dreadlocks Healthy
- Wash Regularly:
- Clean your scalp and locks regularly to prevent buildup and maintain hygiene.
- Moisturize:
- Use light, residue-free oils to keep your scalp and hair moisturized.
- Trim and Maintain:
- Visit a loctician or stylist periodically for maintenance to prevent thinning or weak spots.
- Be Gentle:
- Avoid over-twisting or pulling on your dreadlocks, as this can stress the roots.
When maintained properly, dreadlocks can be a healthy and stylish choice for your hair. The key is gentle care, regular cleaning, and avoiding practices that strain or weaken your hair.
Shampoo Your Dreads With Residue-Free Shampoo
Here are some great shampoos to use.
Olaplex No. 4 Bond Maintenance Shampoo
Aveeno Scalp Apple Cider Vinegar Blend Shampoo, 12 Ounce
Neutrogena Anti-Residue Clarifying Shampoo
Dollylocks 8oz Nag Champa Liquid Dreadlock Shampoo
Moisturize Your Dreads With Palm Oil
Here are some great moisturizers to use.
RSPO Certified – Sustainable – Food Grade – Kosher – Not Hydrogenated
Nutiva Organic Coconut Oil, 15 Ounce
Palm Oil – RSPO Certified – Sustainable – Food Grade – Kosher
Praise Red Palm Oil, 1-Litre – Zomi
The Atlanta hair industry is one of the largest in the Southeast, with more than 8 million people getting groomed each month.
The Atlanta hair industry is one of the largest in the Southeast, with more than 8 million people getting groomed each month.
But you can do it yourself. All you need are some quality shears and some high-performance clippers to get the job done. Check out our Beauty Page for other ways to get shaped up.
- Wash Regularly:
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The Atlanta real estate market in 2025 is shaping up to be more difficult than previous years as home affordability continues to be a theme. As interest rates climb, the real estate industry as a whole has responded by contracting.
That means it’s getting more difficult to buy land in Georgia as property values rise across Georgia of late, but experts are expecting things to cool off at some point.
According to Realtor.com, existing home sales will rise, but not as much as in recent years past. Here’s the forecast:
Metro Atlanta Real Estate Outlook: 2025
The metro Atlanta housing market in 2025 is anticipated to experience stabilization with moderate growth, following a period of rapid appreciation in recent years. Key projections include:
Home Prices
- Stabilization and Modest Growth: Experts predict that home prices in Atlanta will rise at a more sustainable pace in 2025, moving away from the sharp increases observed previously.
- Continued Appreciation: National forecasts suggest a 15%-25% price appreciation over the next five years, indicating that while growth will continue, it will be more measured.
Market Activity
- Increased Inventory: The market is expected to become more active, with additional housing inventory providing buyers with more options and room for negotiation.
- Buyer Competition: Early 2025 may see heightened market activity, leading to increased buyer competition and a faster-paced environment.
Economic Factors
- Mortgage Rates: While mortgage rates are expected to fluctuate, they may gradually decrease, potentially easing some financial pressure on buyers.
- Affordability Concerns: Despite these positive indicators, affordability remains a concern. Some analysts suggest that home prices would need to decrease significantly to restore affordability, though such a drop is considered unlikely.
Regional Considerations
- Potential Market Correction: There are warnings of a possible housing market correction in the Southern U.S., including Atlanta, due to an oversupply of new homes and decreased migration. This could impact market dynamics in 2025.
Two years ago, Atlanta had perhaps the hottest real estate market, and it’s still the leading housing market to watch, although the reasons why are not as plentiful as they have been in years past.
Will 2025 Be a Better Time To Buy a Home?
The year 2025 will be one in which homeowners face increased prices for homes. Average home values in the metro Atlanta area will mimic much of the nation, which is forecast to see as much as 6% hikes.
Not every location will have home values that increase though. Depending on the neighborhood, town, village and subdivision, some homes see drops in price.
Still, some ominous signs are starting to appear in the U.S. housing market based on national trends, according to Realtor.com.
- Homes actively for sale have fallen 2% compared to last year.
- Unsold homes have fallen 3.7% compared to last year.
- The median price of homes for sale in October 2023 remained stable compared to the same time last year.
- Homes spent 50 days on the market – one day shorter than last year and more than two weeks shorter than before the COVID-19 pandemic.
Is Atlanta’s Housing Market Overpriced?
Atlanta’s housing market has been one of the most overpriced in the Southeast. According to a study from Florida Atlantic University, metro Atlanta was the second most–overpriced housing market in 2023, only behind Coral Springs, Florida.
If you live in Atlanta, you’ll be feeling some pain in your wallet, and you might be paying more than you should be. According to data from Florida Atlantic University, Atlanta has the most overpriced housing market in the United States.
Will Prices Go Up Or Down In 2025 In Atlanta?
Prices in Atlanta, Georgia are expected to grow on average of 6% based on Zillow data. That represents a 1% increase compared to the 4% annual growth experienced before the COVID-19 pandemic.
There will be a glut of inventory of homes for sale in the metro area, and they will likely take longer to get offers and sales. How to afford a home will also be more of a challenge this year as economic factors loom, expert data says.
As home shoppers are expected to pre-qualify for a mortgage, there will be more homes for sale, homes will likely take longer to sell, and buyers will not face the extreme competition that was commonplace over the past few year.
If you have a home for rent inside the Perimeter, finding a tenant shouldn’t be a problem as favorable rents will drive strong demand from the north side of the city to the southern end.
Will House Prices Be Cheaper This Year?
With so many people moving to Atlanta annually, rather than become cheaper, leading real estate market experts expect home prices to increase slower than they have over the past two years.
Atlanta, one of the fast-growing cities when it comes to home sales, is not unlike other large Southern cities in that it is expected to continue to be a red-hot market. That means a dip in housing prices is unlikely.
One of the main factors that will influence home prices is the economic landscape of the United States. Namely, the incremental movements by the Federal Reserve to get inflation in check.
While interest rates are ticking upward, the chance that a full-blown recession takes hold in 2023 can’t be entirely discounted. But what such a move will no doubt do is slow down the mortgage industry.
Rising mortgage rates are expected to continue to shed competition among people looking to buy a home. While a buyers market is a possibility in some areas, for metro Atlanta, it is anticipated that real estate prices will hold up just enough that such a market won’t firmly take hold.
Home shoppers priced out of the market will likely create pressures on the rent market, boosting prices once again.
Home Prices On Atlanta’s Southside: Up
One of the most dramatic increases in home prices is happening on Atlanta’s southside, below Interstate 20. Take for instance the Sylvan Hills neighborhood.
Sylvan Hills
The average home prices in Sylvan Hills is $232,000, according to RedFin.
The area is only four miles from downtown Atlanta and is a historically economically depressed area, but not anymore. Gentrification is happening there and in similar areas on a large scale.
Like Capitol View just north, Sylvan Hills homes sell for about 4% below list price and pending sales last around 62 days.
Adair Park
Adair Park over the past five years has had some of the hottest real estate parcels in Atlanta.
Bordered by the West End on one side and the Pittsburgh community on the other, Adair Park has benefited from its close proximity to downtown Atlanta as well as Hartsfield-Jackson Airport.
The average home price in Adair Park is around $240,000, according to RedFin. Homes there sell for about 4% below list price and sales are pending around 41 days.
Atlanta Beltline
But we can’t talk about Atlanta housing trends and real estate outlook with the “B” word: Beltline.
Nothing has shaped Atlanta real estate prices more than the Atlanta Beltline project, which continues to finish a 22-mile loop around the city’s best neighborhoods.
Redevelopment, such as the opening of Krog Street Market and other projects have skewed home prices in the city’s interior in many cases leading to double digit growth.
As more projects see the light of day, we can only predict that home values around the Eastside, Westside and Southside Trails will continue to rise.
Read more: This People Are Having Too Much Fun On The Atlanta Beltline
Overall, many people, especially those relocating to Atlanta, continue to opt for the suburbs. They also are choosing areas farther out, including Dawsonville, Cumming, Stockbridge and Cartersville.
The Georgia real estate market is up 20% over the decade, with most of that confined to the metro Atlanta area.
Here Is How The Georgia Real Estate Market Has Grown From 2010-2024
- Home Price Growth: Median home prices in Georgia increased by over 150% since 2010.
- Population Growth: Georgia’s population grew by over 1.8 million people, with Atlanta being a key driver.
- Employment Impact: Job growth in tech, film, and logistics fueled demand for housing across the state.
Final Word
Homeownership is becoming attainable for more Americans than ever before. And especially is that the case in Georgia.
The Peach State’s largest city has one of the best real estate markets in the country, with affordable housing in every quadrant of the city. Large backyards, manicured parcels and strong neighborhoods with ample dining amenities make it one of the top places for transplants.
Not to mention that the city’s dining scene is the best in the Southeast. Looking for a home? Check out our Real Estate Resource Page.
Keep up with what’s going on in Atlanta’s real estate scene here with our Apartment Guide.
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The Georgia Bulldogs ended their season with a 23-10 loss against Notre Dame in the College Football Playoff in New Orleans, Louisiana.
This matchup was part of the College Football Playoff quarterfinals, and it marked a notable upset as Notre Dame entered the game as the third seed against the second-seeded Bulldogs.
Riley Leonard, the quarterback for Notre Dame, had a strong performance, throwing for one touchdown.
There was a remarkable moment in the game when Jayden Harrison returned a kickoff for a 98-yard touchdown, contributing significantly to the Irish’s scoring.
If you watch the Georgia Bulldogs, you’ll see a really good college football team.
Date Opponent Time and Location Ticket Info / Score Saturday, Aug. 31, 2024 Clemson Tigers 12 pm Sanford Stadium, Athens, Ga. W 34-3 Saturday, Sept. 7, 2024 Tennessee Tech Golden Eagles 1 pm Sanford Stadium, Athens, Ga. W 48-3 Saturday, Sept. 14, 2024 Kentucky Wildcats Kroger Field Parking Lot, Lexington, KY W 13-12 Saturday, Sept. 28 2024 Alabama Crimson Tide Bryant-Denny Stadium, Tuscaloosa, Ala. L 34-41 Saturday, Oct. 5, 2024 Auburn Tigers Sanford Stadium, Athens, Ga. W 31-13 Saturday, Oct. 12, 2024 Mississippi State Bulldogs Sanford Stadium, Athens, Ga. W 41-31 Saturday, Oct. 19, 2024 Texas Longhorns Texas Memorial Stadium; Austin, TX W 30-15 Saturday, Nov. 2, 2024 Florida Gators 3:30 p.m., Everbank Stadium, Jacksonville, Fl W 34-20 Saturday, Nov. 9, 2024 Ole Miss Rebels Vaught Hemingway Stadium; Oxford, MS L 10-28 Saturday, Nov. 16, 2024 Tennessee Volunteers Sanford Stadium, Athens, Ga. W 31-17 Saturday, Nov. 23, 2024 UMass Minutemen Sanford Stadium, Athens, Ga. W 59-21 Friday, Nov. 29, 2024 Georgia Tech Yellowjackets Sanford Stadium, Athens, Ga. W 44-42 OT Dec 7, 2024 Texas Mercedes Benz Stadium, Atlanta, GA. W 22-19 Jan 3, 2025 Notre Dame Caesars Superdome, Ne Orleans, La. L 23-10 How Did Georgia Win the SEC in 2024?
The Georgia Bulldogs football team won the Southeastern Conference (SEC) title in 2024 through an impressive season marked by a combination of strong performances, strategic gameplay, and a talented roster. Here are the key points that contributed to their success: 1. **Outstanding Regular Season Performance**: Georgia finished the regular season with a remarkable record, showcasing their dominance in the SEC.
Strong Defense
Georgia is known for having a robust defensive unit, and the 2024 season was no different. The defense was effective at stopping the run and pressuring opposing quarterbacks, leading to critical turnovers and limiting opponents’ scoring opportunities, especially in tight games against Kentucky, Texas and Georgia Tech.
Key Injuries and Depth
Aside from losing starting signal caller Carson Beck in the Texas game, Georgia had largely managed to avoid significant injuries to key players, and their depth allowed them to maintain a high level of performance even in challenging situations.
Coaching and Strategy
Georgia Coach Kirby Smart is widely regarded as one of the best coaches in the SEC for several reasons:
The coaching staff’s strategy and in-game adjustments played a significant role in Georgia’s success. Effective game plans tailored to exploit opponents’ weaknesses contributed to their championship victory.
1. Championship Success
- National Championships: Kirby Smart led Georgia to back-to-back national championships in 2021 and 2022, breaking a 40-year title drought for the Bulldogs. Winning at the highest level solidifies his reputation as an elite coach.
- SEC Championships: Under Smart’s leadership, Georgia has won multiple SEC Championships, most recently in 2022. Competing at the top of one of the most challenging conferences in college football is a key indicator of his coaching prowess.
2. Recruiting Excellence
- Top Recruiting Classes: Smart has consistently brought in top-tier recruiting classes, often ranked among the best in the nation. This ability to attract and develop talent is a cornerstone of his success and shows his strong recruiting network and skills.
- Player Development: Many of Smart’s recruits have gone on to become high NFL draft picks, demonstrating his effectiveness in developing talent at the college level.
3. Defensive Mastermind
- Defensive Expertise: Before becoming a head coach, Smart was a defensive coordinator under Nick Saban at Alabama, where he established himself as a defensive mastermind. His defenses at Georgia have been some of the best in the country, known for their toughness and discipline.
- Consistent Performance: Georgia’s defense under Smart has consistently ranked among the top in various defensive statistics, which is a testament to his ability to coach and prepare his teams.
4. Program Building
- Culture and Identity: Smart has successfully built a winning culture at Georgia, emphasizing discipline, resilience, and teamwork. His leadership has transformed Georgia into a perennial national contender.
- Sustained Success: Since taking over in 2016, Smart has led Georgia to consistent top-tier performances, including multiple College Football Playoff appearances and SEC East titles, establishing Georgia as a powerhouse in college football.
5. Coaching Tree
- Influence and Mentorship: Smart’s coaching tree is beginning to grow, with several of his former assistants moving on to head coaching positions. This spread of his coaching philosophy throughout college football further enhances his reputation.
Kirby Smart’s combination of championship success, elite recruiting, defensive acumen, and ability to build and sustain a top-tier program has earned him widespread respect and recognition as one of the best coaches in the SEC and in college football as a whole.
Georgia 2024 Season Recap
Game 1: Georgia 34, Clemson 3
Georgia had too much power on both offense and defense as the Bulldogs ran through the Tigers in the first game of the season. Georgia signal caller Carson Beck threw for 278 yards and two touchdowns, and No. 1 Georgia whipped 14th-ranked Clemson on Saturday, Aug. 31, 2024.
Week 2: Georgia 48, Tennessee Tech 3
UGA ran over the Tennessee Tech Golden Eagles 48-3 on Saturday, Sept. 7, 2024 behind a strong game from quarterback Carson Beck, who threw for 242 yards and five touchdowns. See the highlights below.
Week 3: Georgia 13, Kentucky 12
Georgia edged Kentucky in a tough environment in Lexington on a cool Saturday night on Sept. 14. In the last 5 seasons, Georgia has been held below 20 points on the road 3 times: – 16 points at Kentucky in 2022 – 14 points at Kentucky in 2020 – 13 points at Kentucky tonight Georgia is 3-0 in those games.
Week 5: UGA 34, Alabama 41
Georgia got behind 28-0 before rallying to take the lead with under 3 minutes left against the Alabama Crimson Tide, but a late touchdown was too much to overcome.
Week 6: Georgia 31, Auburn 13
Georgia and Auburn were close until the Bulldogs pulled away in the second half.
Week 7: UGA 41, Mississippi State 31
Dawgs quarterback Carson Beck threw for a career-high 459 yards and three touchdowns, helping Georgia hold off Mississippi State’s second-half comeback for a 41-31 victory on Saturday.
“He’s experienced,” said Georgia coach Kirby Smart of the senior quarterback. “When the game gets tight, he stays cool and doesn’t panic.”
Georgia (5-1, 3-1 Southeastern Conference) occasionally played as if it were looking ahead to next week’s matchup against No. 1 Texas, but still had enough offensive firepower to secure its 28th consecutive home win.
The Bulldogs led 34-10 early in the second half, but freshman quarterback Michael Van Buren Jr., in just his second start, rallied Mississippi State (1-5, 0-3) with two quick touchdowns. His strong showing helped the Bulldogs finish the game on a 21-7 run, though it wasn’t enough to avoid their fifth straight loss.
Week 8: UGA 30, Texas 15
On Saturday, Oct. 19 has been marked on SEC calendars for months now, and it did not disappoint. No. 5 Georgia has knocked off No. 1 Texas, 30-15, leaving the SEC with no undefeated teams.
The first half was chaotic, featuring five turnovers between the two teams. Georgia’s offense took advantage, jumping out to a commanding 23-0 lead by halftime.
Texas quickly got on the board to start the second half, narrowing the gap to two scores. After a controversial sequence involving the referees, the Longhorns capitalized on an interception to cut the deficit to eight.
Trevor Etienne secured his third rushing touchdown of the night early in the fourth quarter, sealing the victory for Georgia. Although Texas managed to reach scoring distance multiple times, they struggled, finishing the game just 1-5 on fourth down.
Week 9: Georgia 36, Florida 20
The Georgia Bulldogs blew the game out in the second half against the Florida Gators, scoring 28 points in the second half on the way to a 34-20 victory in Gainesville on Nov 2.
Georgia 10, Ole Miss 28
Georgia has no answer for Ole Miss quarterback Jaxson Dart and his scrambling ability.
Georgia 31, Tennessee 17
The Bulldogs got back into the winning column with a convincing win against the Tennessee Volunteers.
UGA 59, UMass 21
Georgia hosted the U-Mass Minutemen for homecoming, spanking them 59-21 on Nov. 23 in Athens.
Georgia 44, Georgia Tech 42 (OT)
In a thrilling game between state rivals, Georgia Bulldogs defeated he Georgia Tech Yellow Jackets, 44-42, in eight overtimes. 8 OTs are the second-most since rules were changed in 2021. Georgia also won their 31st-straight home game, tied for most in SEC history.
SEC Championship: Georgia 22, Texas 19
Texas’ first foray into the SEC pitted them against Georgia twice. This time, on Dec. 7, 2024 at Mercedes Benz Stadium in downtown Atlanta, it was for all the marbles.
The No. 5 Georgia Bulldogs upset the No. 2 Texas Longhorns, 22-19, in the first overtime game in SEC Championship history. UGA won it off a game-winning TD from star running back Trevor Etienne.
Georgia 10, Notre Dame 23
The Notre Dame defense played exceptionally well, holding Georgia to only 10 points and securing the victory. The game was tightly contested early on, tied at 3-3, before Notre Dame exploded for 17 points in a remarkable span of just 54 seconds.
This victory propelled Notre Dame into the semifinals of the College Football Playoff, marking an important milestone as it was their first win against Georgia in their football history.
Final Word
Georgia faces a pumped-up SEC, with the addition of Texas to the schedule. National championship implications are nearly in play every week. Will you say it with me? GO DAWGS!
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No matter if it’s starting a business or getting physically fit, the way to do it is to set goals.
Becoming a goal-oriented person involves adopting certain mindsets, habits, and strategies that help you focus on achieving your objectives.
Here are some actionable steps to guide you on this journey:
1. Define Your Goals
Set Clear Objectives: Identify what you want to achieve. Goals should be specific, measurable, achievable, relevant, and time-bound (SMART).
Prioritize: Determine which goals are most important to you and focus on them first.
Incorporate Goal-Related Activities: Create a daily or weekly routine that includes time dedicated to working on your goals.
2. Create a Plan
Break It Down: Divide larger goals into smaller, manageable tasks. This makes them less overwhelming and easier to tackle.
Set Deadlines: Establish timelines for each task to maintain momentum and keep yourself accountable.
Track Your Progress: Regularly review and update your progress to stay on course. Journals, apps, or planners can be useful here.
3. Stay Motivated
Visualize Success: Imagine achieving your goals and how it will feel. This can bolster motivation.
Celebrate Small Wins: Reward yourself for milestones reached along the way to maintain enthusiasm.
Establish Good Habits: Develop habits that support your goals, such as regular exercise, reading, or professional development.
Manage Time Wisely: Use time management techniques, like the Pomodoro Technique or time blocking, to enhance productivity.
4. Maintain a Positive Mindset
Practice Self-Compassion: Be kind to yourself during challenging times. Maintain a growth mindset, viewing challenges as opportunities to learn.
Find Accountability Partners: Share your goals with friends, family, or colleagues who can support and motivate you.
Join a Community: Engage with groups or forums that align with your goals, whether they’re related to fitness, career advancement, or personal growth.
5. Educate Yourself
Seek Knowledge: Invest time in learning new skills, techniques, or information relevant to your goals. Books, online courses, and workshops can be beneficial.
Stay Informed: Keep up with trends or developments in your field to ensure your goals remain relevant.
Final Word
Stay Resilient: Understand that setbacks are part of the process. Learn from failures and use them as stepping stones.
Be Adaptable: Be willing to adjust your plans based on your progress and any changes in circumstances.
Regularly Reassess Goals: Periodically reflect on your goals to ensure they still align with your values and aspirations.
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Online certifications are increasingly valuable for job seekers because they provide a flexible, cost-effective, and credible way to enhance skills, demonstrate expertise, and stay competitive in the job market.
Many employers value certifications as a standardized measure of competency, especially in technical fields like IT, project management, or digital marketing.
What Are the Most Valuable Online Certifications?
Certifications serve as tangible proof that you possess specific skills or knowledge required for a job.
Here are some of the top certifications you can earn online to boost your career, skills, and qualifications across various industries:
Technology and IT
- Google IT Support Professional Certificate
- Platform: Coursera
- Covers foundational IT skills, networking, and troubleshooting.
- AWS Certified Solutions Architect
- Platform: AWS Training/Certification Platforms
- Focuses on cloud computing and architecture on Amazon Web Services.
- CompTIA IT Fundamentals (ITF+), A+, or Security+
- Platform: CompTIA or third-party training sites (e.g., Udemy, LinkedIn Learning).
- Broad certifications for IT professionals at beginner, intermediate, and security levels.
- Cisco Certified Network Associate (CCNA)
- Platform: Cisco Networking Academy
- Ideal for networking and infrastructure professionals.
- Certified Ethical Hacker (CEH)
- Platform: EC-Council
- A must for cybersecurity and penetration testing professionals.
Business and Management
- PMP (Project Management Professional)
- Platform: PMI or training sites like Simplilearn and Coursera
- Recognized worldwide for project managers.
- Certified ScrumMaster (CSM)
- Platform: Scrum Alliance
- Focused on Agile project management methodologies.
- Google Analytics Certification
- Platform: Google Skillshop
- A valuable certification for marketers and data analysts.
- HubSpot Content Marketing Certification
- Platform: HubSpot Academy
- Ideal for content marketing and inbound marketing professionals.
- Hootsuite Social Marketing Certification
- Platform: Hootsuite Academy
- Perfect for social media managers and marketers.
Healthcare and Medical
- Certified Medical Billing and Coding Specialist
- Platform: AAPC, AHIMA, or online learning platforms.
- Focused on health information management.
- CPR, First Aid, and Basic Life Support (BLS)
- Platform: American Red Cross or AHA
- Essential for healthcare professionals and caregivers.
Design and Creative Fields
- Adobe Certified Professional
- Platform: Adobe or Certiport
- Certification in Photoshop, Illustrator, Premiere Pro, and more.
- UX Design Professional Certificate
- Platform: Google via Coursera
- Focused on user experience design.
- Canva Design Certification
- Platform: Canva Design School
- Great for aspiring graphic designers and marketers.
Finance and Accounting
- Certified Financial Planner (CFP)
- Platform: Kaplan, Coursera, or CFP Board-approved programs.
- Suitable for finance professionals offering financial planning.
- Chartered Financial Analyst (CFA)
- Platform: CFA Institute
- A top-tier qualification for investment professionals.
- QuickBooks Certified User
- Platform: Intuit or Certiport
- A must for bookkeepers and accountants.
Personal and Professional Development
- Coursera Career Certificates
- Platform: Coursera
- Offers certifications from companies like Google, Meta, and IBM in fields like data analysis, digital marketing, and IT support.
- LinkedIn Learning Certifications
- Platform: LinkedIn Learning
- Broad range of certifications across industries with a focus on skill-building.
- Udemy Skill Certifications
- Platform: Udemy
- Affordable and diverse certifications for fields like coding, marketing, and personal development.
Other High-Demand Certifications
- TEFL (Teaching English as a Foreign Language)
- Platform: TEFL.org, Coursera, or Udemy
- Required for teaching English abroad or online.
- Six Sigma Green Belt Certification
- Platform: ASQ, Coursera, or third-party sites.
- Focused on process improvement and quality management.
- Blockchain and Cryptocurrency Certification
- Platform: Blockchain Council or Coursera
- Covers blockchain technology and digital assets.
- Cybersecurity Certifications (e.g., CISSP, CompTIA CySA+)
- Platforms: ISC2 or other cybersecurity training providers.
Final Word
These certifications are widely recognized and can help you stand out in your career. Many of them allow you to study at your own pace and work toward accreditation from anywhere in the world.
Online certifications are often more affordable than traditional degrees, making them accessible to a wider audience.
Certifications can help job seekers transition into new industries or roles by providing foundational knowledge and skills in areas where they lack formal education or experience.
- Google IT Support Professional Certificate
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New year, new you is the mantra, but how can you really make this year your best?
This article is going to explore some tangible ways to make your next year as good as it can get. In the process, you’ll be able to learn about some resources that can help you shape the person you’ve always wanted to be inside and out.
How To Live Your Best Life In 2025
Put the cares of the world aside for a moment and think about you and what you need to be great.
When we talk about living our best life, it involves more than just saving money or increasing your bank account. A holistic approach is the best way to happiness as well as healthiness.
1. Stop Making Excuses
It’s time to take control of your life and destiny as much as you can. That means owning up to your own mistakes (yes, we all make them) and being accountable to yourself.
The day you stop making excuses is when real growth can happen. The way to do that is to write down a list that you want to accomplish every day….
2. Become Goal-Oriented
Photo by Godisable Jacob from Pexels When you create a list of things you want to accomplish, it can help you prioritize what’s important in your life.
People without goals are easily distracted and end up doing less in a week than a goal-oriented person can do in a day.
Make a list of goals and stick to them.
3. Make Self-Care A Priority
Photo by Andrea Piacquadio from Pexels Take care of yourself. You don’t need to pay somebody else to do it. You shouldn’t depend on others to give you what you need. You should know how to make yourself happy and whole.
Here are some ways to relax at home.
4. Exercise Your Body
Photo by Andrea Piacquadio from Pexels You don’t just magically grow healthier as you age. You have to make a concerted effort to keep your body in shape. That typically means you’re going to need to exercise.
You don’t have to go to LA Fitness or another gym. You can create your own at home.
Here are some workout routines for beginners.
5. Exercise Your Mind
Photo by Juliana Stein from Pexels A lot of people waste a bunch of time by reading books on fantasy and other fiction just to escape. There’s nothing wrong with reading make-believe every now and then, but reality awaits!
Feed your mind with things that motivate you and can keep you focused. Every day you’re going to need mental, spiritual and emotional nourishment. That’s why you should read something that gives you positive affirmations each day.
6. Work From Home
Photo by Anna Shvets from Pexels If the past year has taught us nothing, it’s that making money from home is the way to go. The commute and endless stresses you can encounter along the way and back are no longer worth it.
Here are some work-from-home jobs you can do.
7. Save Money
Photo credit: Thought Catalog via Unsplash You can really get the most out of life if you come up with a plan to put away money on a regular basis. A savings plan is perhaps the most important thing you can do to protect your future.
Here are some resources to help you become more financially literate.
- How To Buy A House For Less Money This Year
- Here’s How To Save $300 A Month
- Best Coupon Sites To Save Money
- How To Cut Your Grocery Bill In Half
Last Words
You only get one life to live, so make it a good one. That piece of advice is what should be your motto this year as you look to have success financially, physically and spiritually. But how can you do that?
It’s a new year and that means you have yet another chance to forge a new you. The COVID-19 pandemic has underscored how important self-care is in these turbulent times.
Today is not the day to fall back into old habits and unhealthy relationships. You owe it to yourself to be happy, but more importantly, you have the power to make it happen.
The bottom line is that you need to use this year to invest in yourself. Find out what makes you tick. Explore what makes you happy. Take up a profitable hobby or make it a goal to learn something new.
If you want to take care of your body, check out these exercises for beginners led by an acclaimed Atlanta fitness expert.
You Should Also Read:
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The Georgia Attorney General is asking the state’s highest court not to take up an appeal filed by Fulton County District Attorney Fani Willis to overturn her disqualification from the Trump election interference case.
Chris Carr, a Republican, is doing what he can to stop the prosecution of President-elect Donald Trump in Georgia less than one month before he takes office. Willis filed the case in 2023.
Carr, who says he intends to run for governor in Georgia next November, posted the statement to his X account:
“The Georgia Court of Appeals has ruled that the Fulton County DA created her own conflict and rightfully removed her from the case against President-elect Trump.
“‘Lawfare’ has become far too common in American politics, and it must end.
“As such, I would encourage the Georgia Supreme Court to not take her appeal.
“It’s our hope that the DA will now focus taxpayer resources on the successful prosecution of violent criminals in Fulton County.”
Willis filed an appeal regarding her disqualification from prosecuting the election interference case against Donald Trump. After a Georgia appeals court ruled that she and her office should be removed from the case, Willis has sought to challenge this decision.
Trump Election Interference Case: An Explainer
The Trump interference case in Georgia centers on allegations that Trump and his associates attempted to overturn the results of the 2020 presidential election in Georgia. Here’s a breakdown of the case:
Background
- In the 2020 election, Joe Biden won Georgia by a narrow margin of approximately 12,000 votes, marking the first time since 1992 that the state voted for a Democrat in a presidential election.
- Trump’s campaign and allies repeatedly challenged the results through lawsuits and public statements, alleging widespread voter fraud, though no substantial evidence was found.
Key Incident: The Phone Call
- On January 2, 2021, Trump made a now-famous phone call to Georgia Secretary of State Brad Raffensperger.
- In the call, Trump urged Raffensperger to “find 11,780 votes” — the exact number needed to overturn Biden’s victory in the state.
- The call was recorded and widely circulated, becoming a focal point of the investigation.
Investigation
- Fulton County District Attorney Fani Willis launched a criminal investigation in early 2021.
- The investigation focuses on whether Trump and his associates violated Georgia laws, including those related to election fraud, conspiracy, and racketeering.
Charges
In August 2023, Trump and 18 co-defendants, including high-profile allies like Rudy Giuliani and Mark Meadows, were indicted under Georgia’s Racketeer Influenced and Corrupt Organizations (RICO) Act. The charges include:
- Racketeering: Alleging a coordinated effort to overturn the election results.
- Solicitation of Election Fraud: Including Trump’s call to Raffensperger.
- False Statements and Documents: Efforts to present false electors and baseless fraud claims.
- Harassment of Election Officials: Pressure on local officials, including Raffensperger.
The Georgia RICO Act
Georgia’s RICO statute is broader than its federal counterpart, allowing prosecutors to charge multiple individuals involved in a pattern of illegal activity. In this case, prosecutors allege a conspiracy to overturn the election results.
Current Status
- The defendants have pleaded not guilty.
- Some co-defendants have sought plea deals or separate trials.
- Trump maintains that his actions were lawful and denies wrongdoing, claiming the case is politically motivated.
Significance
- This is one of several legal challenges Trump faces related to his post-election actions, but the Georgia case is unique because:
- State Charges: These cannot be pardoned by a federal president.
- Broad Scope: The use of Georgia’s RICO law allows for a wide-ranging prosecution.
- Potential Implications: A conviction could have major legal and political consequences.
Final Word
Although significantly weakened and surely delayed, the case remains ongoing, and its outcome could set significant legal precedents regarding election interference and accountability.
Now that Carr has asked the state Supreme Court to dismiss her appeal, we will wait and see.
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Grammy-nominated artist and Georgia native Teddy Swims recently hosted his 11th Annual Kegsmas Charity Event, raising $50,000 to support the Atlanta Community Food Bank.
With rising need across Atlanta, this event brought awareness and support to local neighbors.
Swims launched the Annual Kegsmas Charity Event in 2013 to bring the community together through music and giving back to causes close to his heart.
This year representatives from the Food Bank were on-site, connecting with attendees and sharing stories of how they’re distributing millions of meals to families in need.
The Atlanta Community Food Bank works with 700 community-based partners to distribute an average of 10.3 million pounds of food each month, or approximately 9 million+ meals, to neighbors who are food insecure in 29 counties across metro Atlanta and north Georgia.
Final Word
It’s a fun-filled fall in Atlanta, Georgia and you need to take part. No matter if it’s a weekday or a fun Atlanta weekend, invite the friends and family out for a good time indoors or outdoors. Check out who’s performing in Atlanta this week.
