Family * Travel * Food

7 Tips to Help You Get on The Road to Financial Stability

Creating a budget, saving money, and managing debt are important steps towards financial stability. I know it feels stressful to think about it sometimes, but here are some tips to help you get started:

  1. Create a budget: A budget is a plan for how you will spend your money. To create a budget, start by listing your monthly income, followed by your fixed expenses, such as rent or mortgage, utilities, and insurance. Then, list your variable expenses, such as food, transportation, and entertainment. Finally, subtract your expenses from your income to determine if you have any leftover money to put towards savings or paying off debt. 
  2. Cut unnecessary expenses: Once you have a clear understanding of your spending habits, look for areas where you can cut back. For example, you can save money on groceries by meal planning and buying in bulk, or you can reduce your entertainment expenses by opting for free activities like hiking or visiting local parks.
  3. Prioritize paying off debt: High-interest debt, such as credit card debt, can be particularly damaging to your finances. To get out of debt quickly, focus on paying off the debt with the highest interest rate first, while still making minimum payments on your other debts. You can also consider transferring your debt to a credit card with a lower interest rate or negotiating with your creditors for a lower rate. There are plenty of online borrowing resources to help with this. 
  4. Start saving: Setting aside a portion of your income each month for savings is crucial to achieving your financial goals. Consider setting up automatic transfers to a savings account each month so you can save without thinking about it. You can also consider setting financial goals, such as saving for an emergency fund or a down payment on a house, to help motivate you to save more.
  5. Live within your means: Living within your means means spending less than you earn. This requires making deliberate choices about your spending habits and avoiding overspending. For instance, we spend money on so many subscriptions that are often barely used. Consider using cash for discretionary spending, as it can be easier to stick to a budget when you physically see the money you have available.
  6. Track your spending: Keeping track of your spending is an important step in creating a budget and staying on track. You can use a budgeting app or spreadsheet to track your expenses, or simply write down your purchases in a notebook. This will give you a clear understanding of your spending habits and help you identify areas where you can cut back.
  7. Seek help if necessary: If you're struggling to manage your debt or create a budget, don't be afraid to seek help. Consider speaking with a financial advisor or reaching out to a credit counseling agency. These professionals can provide valuable advice and resources to help you get back on track.

In conclusion, creating a budget, saving money, and managing debt require discipline and a commitment to making changes in your financial habits. With the right tools and support, however, you can achieve financial stability and start working towards your long-term financial goals. You can do this! 

SHARE:

Why Should Parents Save Money for Their Children?

Although your children might still be very young, time with them seems to pass quickly. It may feel like no time has passed, yet soon they will reach their next birthdays, milestones, and, eventually, adulthood. Putting money aside for your child, no matter how small an amount, can help them to make a good start in independent living. In addition to this, the earlier you start a savings account, the more time it will have to accrue interest on top of the amounts that you deposit.


Education

While your child’s mandatory schooling years may not come at a cost, higher education usually involves student loans, or upfront payments, unless your child is eligible for a scholarship. Something like a master's degree in speech language pathology could possibly help your child to advance in their career, but may not be something they would consider without a form of financial backing. Putting money away each week or month, even when they are a baby, can help to contribute towards tuition fees, as well as any other materials they might need to complete their course. Even if your child doesn’t want to gain a higher education, there may be other types of education they wish to pursue, or even tools they might need to gain employment in a certain career.


First Car

When your child reaches a certain age, they may want some level of independence while still living within the family home. Being able to pay for driver’s education, as well as a cheap first car, may be difficult to achieve, especially if your child has many school commitments that prevent them from taking on more hours at a part-time job. Lessons could be taken over an extended period of time, or in a single, intensive course. Having some money put aside can help your child to gain this extra freedom. Of course, they will still have to find the money for gas for the car, but at least you can rest assured that you have helped them along the way.


First Home

Your child buying their very first home may be decades away, but that doesn’t mean it is something that shouldn’t be thought about. The down payment for a home can vary, depending on where you live, as well as the average house price at the time, and even due to the income you have. This can be very difficult for anyone, so you may want to try to ease the burden on your child as much as possible. If they have even a percentage of the money towards the down payment of their home, this can cut down on the length of time it will take to save up for the rest of the amount.

Putting money aside during the early years doesn’t mean your child needs to go without in the present. By figuring out how much you can feasibly put aside each month, a little nest egg can be built up over the years which will make your child’s transition to adulthood that little bit easier.
SHARE:

Teaching Your Child About Money

As a parent, you want to make sure that your child has every opportunity available to them for the future. While you may spend time discussing manners, and the importance of education, it can also be incredibly useful for them to understand how best to manage and use money, including in the distant future. Starting this as soon as possible can really help them to understand the importance of being smart with money, as well as how vital it can be to save rather than spend. 

Pensions

Your child is only at the beginning of their life, so you may wonder what the point is of discussing this far into the future, but it can really help them live a full life. By instilling the need for a pension in your child, they could understand the importance of money in retirement that bit more, and may also opt to hold a private pension - for more info click here, as well as one that their company might provide, to give them a bit more financial security later on in life. One of the ways you could potentially educate them on pensions is to show them your own pension statements or accounts, as well as the amount you pay into it each month from your standard pay check. 

Budgeting

Having knowledge about how to budget, and what it means, can also help your child to correctly manage their money throughout their life. Alongside making your money stretch to meet your needs, these lessons can also aid them in learning to save. This can be accomplished through the use of a weekly allowance, that they could earn via chores, good behavior, and other tasks. If they then see something they wish to buy that is more than their allowance, your child must then learn to put the money aside themselves to afford it. While it can be tempting to buy the item for your child, this won’t help them to learn to become financially independent.

Resisting Impulses

Many people, adults and children alike, fall prey to temptations and impulses on a daily basis. While some may not really affect a person’s life, others can lead to serious debt, as well as potential health problems. At points, these impulses could be used as a means of reducing negative emotions, which is not a healthy coping mechanism. Equipping your child with the tools they need to avoid impulsive purchases, such as the method where you wait a few days and then, if you still want the item and it is within your means, you could permit yourself to purchase it. Impulse purchases can become a real problem if left unchecked, especially when it means that bills or rent can no longer be paid. Finding healthy ways to avoid these, as well as to manage emotions in general, can really help to prevent these consequences from occurring.

The younger a child is when they start to understand the necessity and importance of money, the more likely they may be to have respect for their finances. Keeping your child informed, and using your own finances as an example, can really go a long way towards their own future financial stability.

SHARE:

Take Control of Your Finances in 2021 with These Helpful Ideas

When it comes to our finances, it can feel like we’re in a vicious cycle of spending and debt. It’s not always easy to maintain our current lifestyles and more of us than ever before are stripping back on luxuries as a way to keep control of our spending and keep debt at bay. But, there must be another way to take control of your finances, right?


Managing your money doesn’t always have to mean cutting back on the things you love. Sometimes, simply revisiting your budget is an easy yet effective way to see how you can hold onto more of your money each month. If you’re someone who is really struggling with their debt and is facing potential bankruptcy, reach out to Creditfix as soon as possible to discuss your options with one of our helpful and experienced advisors. 

Why not make this new year the one you finally gain control and build your financial confidence? Read on for how you can take control of your finances in 2021. 


Create a rainy-day fund
When we’re prepared for the unexpected, we have one less thing to stress about. And the same logic applies to your finances. The more ready you are for those financial mishaps and expenses the better you’ll sleep at night. Start by creating a rainy day fund and make sure you’re including it in your monthly budget expenses. 

How much you can afford to place in your fund is up to you, just remember to add to it! Sudden car repairs, broken appliances, a job loss or change in your living circumstances could have devastating consequences for your finances, plunging you into a spiral of debt that may be difficult to get out of - a rainy day fund gives you a much-needed safety net. 

Update your knowledge 
Unfortunately, financial literacy isn't taught in schools. Which means most of us hit adulthood with little knowledge of how to create a budget, handle money, prevent debt, or apply for a mortgage etc. Updating your financial knowledge by reading articles and even listening to podcasts on certain financial subjects can give you the information you need to make better financial choices in the future.


Pay off those credit cards
Credit card debt can hang over us for months and even years, making it difficult to break the never-ending cycle of debt. By paying off your credit card debts as soon as possible, you won’t be stung by rising interest rates and only pay off what you originally borrowed. Again, reach out to Creditfix if you need further guidance.

And finally, set a savings goal
Want a new car? Or do you have dreams of owning your own home one day? Whatever your financial goals may be, the sooner you start saving for them, the better. This savings goal should be separate from your emergency fund, however, it will also provide an additional financial safety net should you need one. Don't forget to include your savings in your monthly budget. 

SHARE:

5 Ways Parents Can Teach Their Kids Important Money Lessons During the Holiday Season

The holiday season is especially fun for kids, but it also provides parents a great opportunity to teach their little ones important lessons about money. What are the best ways mom and dad can do this without their children losing interest?

Steve Siebold is a Certified Financial Educator (CFEd) and author of the book “How Money Works,” which is written on a level that even children can understand the basics of money. www.howmoneyworks.com


His 5 tips to help parents better explain money to their kids this time of year:

Invest any money they are gifted: When your children receive checks from relatives far away or if you decide to gift your children money as a holiday present, don’t just put it away in a savings account that will yield practically no interest. Teach them to invest their money so it can work for them. Show them the different places they can put that money, the potential for growth and risk for loss.

Let them get involved with budgeting: As you do your holiday shopping this year, involve your kids. Let them see how money work, how you create and stick to a budget. Explain to them the benefits of a budget, and how it prevents you from overspending. Be frank with them and show them that if you go over a budget, it impacts other important things you need money for.

Explain wants vs. needs: The holiday season is a great time to explain to your kids the difference between wants and needs. For example: they might want a Play Station 5, a new iPad or that new bicycle. Let them know a need is something like clothes, food, a place to call home and a bed to sleep in. Explain that there’s nothing wrong with “want” gifts, but that needs always supersede wants.

Teach them to think before spending: One of the biggest reasons so many people struggle with money is because they don’t think before they spend. That’s even more so during the holidays because Madison Avenue does a good job of convincing us of all the things we supposedly need to buy. Teach your kids to stick to logic when it comes to spending this time of year, and to leave their emotions on the shelf.

Teach them it’s better to give: Most children love waking up on Christmas morning to open up all those gifts under the Christmas tree. Use the holiday season to also teach your kids the importance of giving. Explain to them how it’s nice to help others in general, but especially this time of year. One of the greatest lessons you can share with your children is purchasing a gift for a child who wouldn’t otherwise receive one this holiday season.
SHARE:

Here’s How You Can Ease Stress and Improve Your Finances

Money might make the world go around, but it’s also one of the most stressful things that we need to deal with as adults. When you’re growing up as a child, you have no idea how much cash is going to affect you when you get older. Then, as soon as you start your first job, it feels like all of your time is committed to thinking about how you’re going to make your money stretch as far as possible.

The important thing to remember is that you can always find ways to reduce the amount of stress involved with managing your money. With the right attitude and a little planning, you can improve your finances and set yourself up for a brighter tomorrow. Here’s how you can get started.
image credit
Deal with the Debt Situation

People often struggle with different relationships with debt. We know that not all debt is bad for us. Sometimes, the right personal loan can help you to accomplish an important goal, like completing your online training for a new job or getting a car to take you to and from work. However, sometimes, if you don’t know how to deal with it, debt can hold you back too.

Think about how you’re going to banish unwanted debt as quickly as possible in the months and years to come. Can you consolidate old debts into a new and more affordable loan. Maybe the debt snowball method will help you to get things sorted a little faster.

Reduce Your Grocery Spending

It seems strange that we would recommend cutting the amount of money you spend on something as essential as food. However, if you look at your monthly incoming and outgoing cash, you’re likely to be blown away by how much you actually spend on groceries. A lot of the time, the problem will be that you’re not just buying the essentials, you’re grabbing snacks that you never eat, or paying for brand-name items that are just as good as the cheaper options on the shelf.

One way to reduce you’re your grocery shopping expenses is to plan your meals each week before you go shopping. Take a good look at what you’re going to need, and don’t buy anything else – no matter how tempted you are.
image credit
Stop Automatic Subscriptions and Memberships

Subscriptions and automatically renewing memberships are easy to sign up for, but difficult to cancel. If you’re using your subscription every week without fail, then there’s no problem with keeping it – as long as you can afford it. The problem is that a lot of us continue to pay for memberships that we’re not actually using just because we forget to cancel them.

For instance, maybe you signed up for a gym membership in January with every intention of going to workout every week. However, if you’ve only been to the gym once since then, maybe it’s time to rethink your strategy. Look through your bank statements and highlight any of the subscriptions you’re not using regularly.

Spend Your Extra Cash Wisely
Those moments when you end up with extra cash in your bank balance might be rare, but they’re also moments that you need to work out how to use to your advantage. Whenever you work overtime at work and get a bit of bonus income, think about how you can put it to good use by building up your emergency savings fund or getting rid of some of your extra debts. Putting your cash into savings as soon as you earn it might not seem like the most exciting thing that you can do, but it will help you to get rid of some of that pesky stress that you feel whenever you think about money.

As fun as buying a new computer game might seem right now, it won’t compare to the feeling of reassurance you get when something goes wrong with your home, and you remember that you have some extra cash in your emergency funds.
image credit
Reduce Energy Costs

Saving money on your energy bills is one of the easiest way to reduce the amount of cash that you waste each month. What’s more, the process can be as simple as just making a few basic tweaks to your regular routine. For instance, you might be able to take slightly shorter showers, or washing your clothes in cold water.

Energy efficient appliances are another excellent way to save money on your electricity if you’re thinking about upgrading anyway. Consider the benefits of spending more now to save later.
SHARE:

Six Simple and Easy Ways to Save More Money

Did you know that almost one-third of people didn’t save any money in the last twelve months because they had no spare money to actually put into a savings account? Saving money is something that most of us want to do, but when it feels like all your earnings are quickly disappearing on monthly expenses, you’re not in a good place. The good news is that there are several money-saving methods that you may want to try that can be changed to suit various budgets. And, don’t forget that even saving small amounts can add up to more than you realize.
Photo by Lukas from Pexels

The 1-cent saving challenge:

You might have already heard about a $1 per week saving challenge - the idea is that over the fifty-two weeks of the year, you boost the amount that you save each week by just one dollar. So, you save $1 in week one, $2 in week two, and so on. This can be a great way to save, but since you have to save more as the year goes on, it’s not suitable for all budgets. So, here’s an alternative - the 1c savings challenge. Rather than saving $1 per week, save just 1 cent a day and increase it by 1 cent as the days go on. If you stick to the plan for the full year, you’ll end up with over $650, and the most you’ll have to save in one go is just $3.65.
Photo by Josh Appel on Unsplash

Get a money box or piggy bank:

A piggy bank is a tried-and-tested money-saving technique. You might have had one as a child, so why not carry this on as an adult! You could use a jar instead of a proper piggy bank, or if you’re tempted to dip into your savings you can get jars and money tins that you need to open with a tin opener or even smash open quite cheaply in pound shops. Over time, you can save more than you realize from just popping your loose change into a jar.

Round your bank account balance down:

Rounding down the balance in your bank account is an easy way to save some money here and there. Log into your bank account online daily or weekly and round the money down, then transfer the money into a different savings account. For example, if you have $251.45 in your account, you’d transfer $1.45, leaving you with $250. Although there might not always be a lot of money to round down, it also comes with the added bonus of encouraging you to keep a watchful eye on your bank balance.

Use cashback sites:

Did you know that you can get money just for spending on websites that you were going to use anyway? Cashback sites and apps like TopCashBack or Quidco are a great method of saving money on the things that you were already going to buy, especially when it comes to essentials like switching utilities, broadband or insurance. Whenever you need to buy something online, take some time to visit a cashback site first and search for the site that you need. If it’s listed, visiting through the cashback site instead of going directly could earn you some money.

Consolidate your debts:

Using a loan to consolidate your debts is a great way to spend less on repaying credit, if you’re struggling to pay them off otherwise. Taking out a personal loan that provides you with enough money to pay off everything else that you owe often means that you can save money as you’ll switch to having just one easy to manage monthly payment rather than several. If you only have one debt to pay off at the moment, then consider using any money that you save using the above methods to put towards the debt and get it paid off faster.

Use cash more often:

Finally, getting into the habit of spending cash rather than using your debit or credit card can be a great way to help you get a better handle on your expenditures. Make sure that you have enough money in your bank account to cover monthly expenses like your rent and bills and take out cash at the beginning of the week or month for everything else. Having the cash there will make it easier for you to not go over your budget - you could even sort the cash into different envelopes for different things like food, socializing, etc.

Did you find these tips helpful? Let us know in the comments.
 photo 7636c3fb-e8d9-4b07-af6b-f1ca33a15bfe_zps9lbkp4mn.png
SHARE:

Tips to Help you Cut your Tax Bill

If you receive an unexpected tax bill it can potentially bring on a lot of stress. There are a few things you can do to cut your bill legally. However, you might need to put a bit of effort in but it could be worth it.
Photo by Sabri Tuzcu on Unsplash

Adjust your W-4
This is the form that you need to hand to your employer. This form tells them how much tax they need to withhold from each pay check.  If you have a big tax bill looming, you might be able to raise the withholding until the next tax year.  If you received a large refund, you could reduce the withholding. This will mean you’re less likely to be living on less money.

Fund an FSA
Did you know that when it comes to your personal taxes you can add tax-free dollars to your FSA every single year? If your employer offers you a flexible account you could use it to your advantage. The latest limit is $2,700 and some employers might allow you to carry around $500 over to the next tax year.

Save Money for College
If you would like to save money so your child can go to college, you could potentially reduce your tax bill. Consider making contributions to your 529 plan. You won’t be able to deduct the contributions on the federal income taxes. However, you could deduct them on your state return. This is only the case if you are putting money into your state’s plan.

Photo by Sharon McCutcheon on Unsplash

Record Your Medical Expenses

If you have had dental care or expensive medical treatments, you should keep hold of your receipts. You can deduct any expenses that are 10% or more than the adjusted gross income for that year.  Let’s imagine that your income is $50,000. You would be able to deduct anything beyond the first $500.

Work on Your Timing
There can be a huge difference between doing your taxes on the last day of December and the first day of January. If you think you have an expense looming try to pay it this year rather than the next. So, for example, having that tooth extracted now means you could meet the medical expenses threshold. If you were to wait until next year you could lose out on your deductions.

Donate Your Money
When you donate money to charity those contributions are often times deductible. What’s more, is those donations do not always have to be in cash. If you have donated household items, food, or clothing you could have a lower tax bill. However, you will need to make sure that you got a receipt for your donations and they went to a recognized charity.

It is possible for you to reduce your tax bill, you just have to take some extra steps. By implementing those things, it can lead to you paying less in taxes every year. Follow the above tips and you’re less likely to get an alarming tax bill.

 photo 7636c3fb-e8d9-4b07-af6b-f1ca33a15bfe_zps9lbkp4mn.png
SHARE:

Getting Back on Your Feet: 7 Tips for Getting out of Debt Fast

This is a sponsored post

Although many of us might prefer to take things one day at a time, our financial future is important. It’s not always about how much we make, but rather, how we spend and save the money we already have.

However, since the introduction of credit cards and loans, many individuals around the world have been spending not only more than they currently have in their bank account but more than what they can afford to pay back in time. In fact, just in America alone, the amount of debt Americans accumulated in 2018 hit a record of $13.21 trillion.

While the whole “buy now, pay later” approach to purchasing a product or service is something we can all take advantage of, the deeper we dig ourselves into debt, the worse the consequences. High-interest rates, a declining credit score, and heavy stress are just some of the disadvantages.

If you’re looking to get rid of your debt fast, you’ve come to the perfect source. Try some of the following tips to help get your finances back in order.

Photo by Sharon McCutcheon on Unsplash
1. Start budgeting
Not everyone with debt is bad with their finances. Regardless, it’s a good idea to put yourself on a financial budget. This way, you can ensure your income is enough to cover not just your bills but other necessities in your life including food, gasoline or other transportation costs, and other vital expenses.

To start a personal budget, you must first decide how much you spend on a monthly basis and where exactly that money goes to. From then, you can figure out what percentage of your income should go to what. Ranking your expenses from most to least important is also a wise idea to get a better understanding of your finances.

2. Try the debt snowball method
Many people have tried the debt snowball method of tackling debt and found that it works for them. It might just work for you as well. This five-step technique involves listing all of your credit card debts in terms of the amount owed and paying off the smaller debts first, especially the ones with the largest interest rates.

Over time, you’ll notice that the number of debts you have will diminish faster. On top of that, seeing how quickly these debts are diminishing will psychologically act as a motivator to get rid of those bigger, peskier debts. It’s usually not until you see this progress that you feel more encouraged to continue doing what you’re doing.

3. Downgrade your vehicle
When you’re deep in debt to the point where you can hardly keep up, one of the quickest ways to tackle such is to sell your current vehicle and then use part of that profit to purchase a cheaper, used vehicle while using the rest of the money to pay off debt.
Especially if one has a newer vehicle they’re still paying off, one might simply sell this vehicle altogether to get rid of their monthly auto payments and wait until a more financially-feasible time to consider purchasing another vehicle.

Photo by JESHOOTS.COM on Unsplash
4. Pay more than your monthly minimum on your debts
There’s no rule that says you must pay exactly your bills’ monthly minimum payments each month. In fact, there’s a reason why they’re called monthly minimums: because that’s the minimum, not the maximum, payment a lender expects you to pay by a specific due date.
However, if you currently have the cash to do so, it’s a good idea to pay more than your monthly minimum payment, even if it’s just $10 more each time. Every dollar counts and the extra you pay off adds up over time. This is an especially great tip if some of your debts are already close to being paid off.

In the end, you could end up not only getting out of debt quicker but saving more money in the long run. Meanwhile, the more you drag on paying your dues over time, the more interest you’ll end up having to pay.

5. Go through your belongings, and sell what you don’t need
As hard as it might be for some people when you have debts to pay off, chances are, you’ll be needing more money to do so. Some folks may be left with no choice but to go through their stuff and sell what they no longer want or need. Unwanted clothing, old furniture in the basement, and extra home decor are all things you might want to sell.

These items can be sold in person at garage sales, directly sold to family members or friends, may even be sold online.

6. Cut the luxury expenses
Every one of us has some sort of luxury expenses whether it be getting our nails done every few weeks or going to the movies every Friday night. Even going out to dinner versus eating on a budget at home can be considered a luxury expense.

Your job is to figure out which luxury expenses you’re paying for and deciding which are the least important. As you’re paying off your debt, temporarily cut off some of your luxury expenses, that is, until you’re financially able to get back on your feet.

7. Consider consolidating your debt
If you have a lot of debt to tackle and several different payments to make on a monthly basis, debt consolidation can be a great way to get out of debt quicker. With just one due date per month, smaller monthly payments, and a lower interest rate, debt consolidation might just be your go-to option for obtaining better finances.

Do you need help getting out of debt as soon as possible? Get help at debtconsolidationnearme.com.

Conclusion:
At some point, most of us will have to use a credit card, take out a loan, or even occasionally borrow money from family members or friends. However, there comes a point where the amount of borrowing we do starts to pose significant problems.

No matter how much debt you’ve accumulated so far, the good news is, you can start tackling it now. From creating a financial budget to considering consolidating your debt, there are numerous ways you can quickly banish your daunting debt to lead a more financially-sound life.

 photo 7636c3fb-e8d9-4b07-af6b-f1ca33a15bfe_zps9lbkp4mn.png
SHARE:

Practical Things You Can Do To Plan To Travel The World

Many people aspire to see as much of this wonderful world as possible while they still have the chance; to have the opportunity to witness the history and culture of a foreign country, gain new experiences and memories to take home with them. Doubtless, if you are reading this, then travel is very much on your mind too. The only problem with seeing the world is that it can be a costly endeavor, especially if your young and are only just starting out, perhaps having left full-time education recently. Seeing the world is, it must be remembered, one of those things that it is never a mistake. If you have the opportunity to do it, you must grab life by the shoulders and go. So, in this guide, you will learn some ways you can make this possible for yourself and start living the life you have always dreamed of.
image credit

Seeing the world before it’s too late

When you are young, there is a seemingly never-ending list of things to think about, from how to get the right qualifications for the job you want to finding an affordable place to live so you can finally move out of your parent's house. When thinking about these things, it can seem that this just isn’t the right time to get out and see the world but, in fact, the opposite is true. If you don’t yet have a mortgage to be paying back and are working a job that is more to bring in the money rather than start your career, then you are actually in a perfect position to see the world because you are not tied down to too many responsibilities yet. Alongside this, there are a huge number of reasons it's essential to travel when you're still young that will enrich your life. By stepping out of your comfort zone, you will be challenging yourself in new ways and building up your self-confidence and esteem. It will help you grow as a person and foster independence and resilience of character that will aid you when you come back home and be enviable qualities employers will seek out in applicants. Travelling, be it with a friend or on your own, will help you become a more well-rounded person and put you on stronger footing when you return to start your life, both personally and professionally, as a better person.

Getting the funds together as a young person

Of course, getting the money together is a consideration you need to take seriously as you don’t want to get all the way out to some magical place to find you have no funds left to actually enjoy yourself. One option that is worth considering is to get a loan as this option will allow you to have the valuable life experiences without having to take a chunk out of your life savings to do so. You will want to learn more about this option so you can choose the best deal that suits your needs and get planning that adventure of a lifetime.

Finding the perfect destination

Now that you have the financial side of things sorted out, you will want to make that money stretch as much as possible so that you can get the most out of your journey into the unknown. One way of doing this is to get ideas of where to travel on the cheap which will limit your overall expenditure of things like flights and hotels, allowing you to spend more of your money on enjoying seeing a new country. Choosing somewhere cheap to visit, perhaps contrary to what you may initially think doesn’t mean you have to compromise on the wow factor. For example, a really cheap holiday destination you should think about visiting is Vietnam. Vietnam has a fascinating history you can explore, learning about the war and the Viet Cong, while enjoying the gorgeous natural surroundings or bustling modern cities, trying out all the best cuisine the country has to offer.

How to find cheap travel options

Once you have decided on a place to visit, you will need to sort out how you are going to get there and, the most obvious way is, of course, to fly. Depending on where you have decided to go, flights can become very expensive. Even if you have found a place that is relatively economical to get to, it is worth shopping around to see if you can get something just a little bit cheaper, so you have more money to play around with when you are out there. There is lots of handy help to get cheap flights online, such as specialist search engines that can find you the cheapest airline company for the destination and date you are looking for. Aside from this, there are steps you can take yourself to make sure you are saving money. For example, never book a holiday during the school holiday periods as, even if you aren’t going to a family resort, flight prices will be much higher. Another option is to consider travelling at night as night flights often tend to be less expensive. This way, you can save money and have a nice little sleep on the plane so that you are fresh-faced and ready to take on the day the moment you touch down.

Tight budget? No problem

Even if after taking all these measures you are still a little concerned about the money aspect of things, never fear, as there are lots of ways you can still enjoy yourself on a small budget. One thing to do is look for accommodation that comes with a small fridge and a cooker so that you can cook some of your meals there and don’t have to fork out for restaurants every night. Another way is to stop yourself going for huge days out shopping and overspending on clothes and shoes, instead opting to spend your limited funds on tours and admissions to places of interest. You can shop anywhere, but you can only see the country you are in while you’re there.

Going travelling is fun, exciting, and character building, so it is definitely worth the time and money. Why don’t you start planning now?

 photo 7636c3fb-e8d9-4b07-af6b-f1ca33a15bfe_zps9lbkp4mn.png
SHARE:

Remington College Columbia Campus Offers 50% Off One Salon Service

If you live in Columbia, South Carolina or the surrounding area, you might want to check this out.

Love fills the air in February and Remington College hopes to help Columbia area residents fall in love with their look.

The Salon at Remington College Columbia Campus is offering 50-percent off of one service during the month of February.(1)


Remington College’s Cosmetology Diploma program teaches students the art of hair, skin and nail care through traditional classroom instruction and hands-on training in the Remington College School of Cosmetology, which allows students to work with real clients.

Some of the services offered in the Salon include:(2)


  • Cuts (including shampoo and conditioner), starting at $11
  • Thermal Style, starting at $12
  • Shampoo and Style (includes shampoo and conditioner), starting at $11
  • Deep Conditioning Service, starting at $6
  • Chemical Services, starting at $27
  • Hair Color, starting at $27
  • Hair Lightening (includes finishing style), starting at $27
  • Specialty Styles, starting at $22
  • Plain Manicure, starting at $8
  • Pedicure, starting at $11
  • Skin Care and Hair Removal, starting at $6
  • Facial – Plain, starting at $16
  • Machine Facial, starting at $21
  • Eyebrow or Facial Wax, starting at $6
  • Children’s Cut, starting at $6

The Salon at Remington is located at 607 Bush River Road, Columbia, SC 29210. Appointments are recommended. To schedule an appointment, call 803-214-9062.


The salon is open:

Monday: 10 a.m. to 12 p.m. and 1 p.m. to 3 p.m.
Wednesday: 10 a.m. to 12 p.m. and 1 p.m. to 3 p.m.
Friday: 10 a.m. to 12 p.m. and 1 p.m. to 2 p.m.
Saturday: Call ahead for availability

For more on the Remington College Cosmetology Program, visit remingtoncosmo.com or call 1-800-448-6405.

(1) Available through February 28, 2018. First come, first serve. Appointments are recommended. Cannot be combined with any other offer.(2) Prices are base prices and may vary depending on length and style. Services and/or prices are subject to change.

About Remington College: Non-profit Remington College, headquartered in Lake Mary, FL operates 16 college campuses throughout the United States offering career focused diploma, bachelor and associate degree programs in a variety of career fields. For more information, please visit remingtoncollege.edu. For the latest news about Remington College, visit facebook.com/remingtoncollege. Remington College does not discriminate on the basis of race, color, national and ethnic origin in administration of its educational policies, admissions policies, scholarship and loan programs and other school administered programs.
 photo 7636c3fb-e8d9-4b07-af6b-f1ca33a15bfe_zps9lbkp4mn.png
SHARE:
Blogger Template Created For Mom Files All Rights Reserved