Thursday, February 14, 2019

Money-Saving Staycation Hacks That Will Blow Your Mind

Travelling with kids isn’t easy. Without the right documents and thorough planning,
it’s hard to book a realistic getaway as a family. Thankfully, there are others way to
tick things off the bucket list and be a good mum, and a staycation is a perfect
example. This country has a lot to offer plus it’s a cheap way to see the sights and
enjoy a bonding holiday. Of course, even when a vacation is affordable you’d like
it to be less expensive because money doesn’t grow on trees. Thankfully, you can
make the pipedream a reality thanks to the mind-blowing hacks underneath.


Buy A House

Okay, wait a minute – what?! On the face of it, buying a holiday home seems like
a crazy idea. After all, you’re trying to save money, not waste it frivolously. Think
about it logically though, and you’ll see a different side of the argument. For one thing,
lake houses for sale are affordable even if they are a little pricey. A long-term mortgage
always reduces the monthly repayments. Secondly, one will eliminate the need to
constantly pay for accommodation, costs that rack up over a decade. Finally, the
resale value will be high so it’s not a risk. Once you’ve paid it off, with the help of
fellow vacationers renting it out, you can sell it for a profit.

Book Flights At 4am

Everyone knows the gist: book flights as early as possible for the best deals.
However, “early” usually refers to the date and not the time of day. You want to
purchase them weeks or months in advance. Well, it’s also a good idea to set the
alarm and wipe the sleep out of your eyes too. According to research, 4am
is the cheapest time of the day to buy flights so you need to be ready to rock and
roll. And yes, there is two four o’clock in one day!


Choose Freebie Destinations

The destination itself isn’t free but the activities it has might be depending on the
location. Usually, museums and art galleries are either free or very affordable as long
as it isn’t a major establishment. Parks are always open and don't cost a penny, so
you can spend all day in one if you have the right amount of imagination. Of course,
the beach isn’t going to go anywhere. Pick a nearby destination will all three of the
above and there is no reason to spend a penny on sights and activities.

Cook

It’s mind-blowing that anyone would want to cook on holiday because you do
enough of it at home. However, there is a caveat: it’s cost-effective. Going to the
supermarket and buying ingredients is nowhere as expensive as eating out three
times a day. The good news is you can make it exciting by investing in the local cuisine.
When you’re dealing with new and exotic recipes, the idea of slaving over a hot stove
doesn’t sound bad.

What would you be willing to do to save money on your next staycation?

Thursday, February 7, 2019

Paying For Your Bucket List: The Ultimate Guide

How many things have you checked off your bucket list? Two, three, or even five? Any
more than that and you are doing well, although you have probably come across the issue
of finding enough money to pay for them. After all, most things on a bucket list aren't
going to be cheap or local, or you would have done them already. Happily, there are
some methods you can use to save up the money you need to complete your entire list.
Just read the post below to find out what they are.
Cut down on unnecessary luxuries


One simple and easy way to start growing your bucket list fund is to stop buying those little
luxuries that soon add up. I'm talking about cutting down on those cups of coffee from takeaway
outlets, magazines, and even buying lunch at work.


Yes, at first it may seem difficult to do, but when you look back on your life would you rather
have the memory of doing some amazing and once in a lifetime things or the memory of a few
coffees and magazines to keep you warm? I know which one I'd rather have!


Combine your bucket list and retirement


Next, don't forget that your bucket list will always be a work in progress and you don't have to
get everything done straight away. In fact, many people like to start planning their bucket list
now, so they have something to look forward to in their retirement.


The advantage of doing it this way also means that you have longer to accrue the finance
you need to pay for all the adventures you bucket list holds. You can even get some
financial advice from a professional to help you with this. Something that can enable you
to maximize your savings,  income, and investments, so you can pay for your bucket list later
on.


Prioritize your spending


Next, if you are looking to tick off some of these bucket list experience sooner rather than
later, you may just need to prioritize your current spending patterns. I'm not talking about
the smaller things like coffee and magazines here, but instead entirely putting experiences
before anything else.


What this means is that you may choose to travel the world above buying a house and getting
a mortgage or even getting a car. Yes, this may seem odd to some people that are all about
physical possessions, but the critical point here is that your life. Therefore it is yours to do
with what you will, and if that means putting experience before things will make you happy,
you should go for it!  


Earn some extra         


Finally, if you would rather take the middle road and experience some fantastic bucket list
adventures, but also maintain a stable and more normal living situation, then setting up a side
hustle to bring in some extra money may be the solution you are looking for.


Happily, there are great many to choose from, some of which you can find out more
about here, and that can even be fun in their own right. So what are you waiting for? Why
not start taking action that will pay for your bucket list adventures today?                                                              

Saturday, February 2, 2019

Climbing Out Of A Financial Hole



The start of the year always feel like you’ve hit the hard reset button on your life.
Unfortunately after the festive season a lot of us are left with little in our pickets for
anything and this can make things incredibly hard for us when we are trying to
live our daily lives. If by the end of the month you are still feeling as if you are in
a bit of a financial pickle, here are some of the things you can do to pull yourself
out of it once more.


Know your bank account

Honestly this can’t be stressed enough: if you don’t check your bank account
regularly to see what you have and what money is being paid out, you need to
fix this now. It is hard enough keeping on top of our money when we are living
our day to day life but if you don’t check your bank statement, you won’t ever
learn to budget for yourself. To avoid having to take out a loan like
https://mifinance.com.au you need to make sure that you always know what
you have to spend. Be smart about this and be sure that you are aware of your
financial state each day.

Watch out for charges

As you look through your bank statement, now and again you might see a charge
you don’t recognise or something which you don’t recall you have been paying for.
If this is ever the case you need to look up the company to see if you know them,
and if you don’t, you should contact your bank immediately to stop the payments
and get in contact with the company. A lot of the time it can be a mix up, but now
and again it can be a scam which takes money away from you without you knowing
it.

Budget for food

Budgeting most of your life is hard enough, but food can be the hardest thing to
try and control, especially if you have a family to feed each and every day. Make
sure that you take the time this month to be smarter with your food shop and
choose cheap meals over expensive ones. There are loads of big batch meals
you can cook worthless ingredients which will last your family for a few days and
save you a lot of money.

Pay a debt

If you have a few debts which you need to pay off, it is now the perfect time for
you to do this. Pay off whichever is your biggest debt first and take your time to
do this. Once the biggest debt is out of the way you can start working your way
down and bring yourself back to financial stability once more.

Skip coffee

Starbucks and Costa coffee are amazing when we need a fix and it is cold
outside, but they are expensive and they can really burn a hole in your pocket if
you have them each day. Be sure that you make your own coffee at home for work
and this will make all the difference.

Thursday, January 31, 2019

Ideas To Financially Boost Yourself

Photo by geralt from Pixabay


If you’re looking to build up your bank account, there are a few ways to look at your
finances and make adjustments. The aim for a lot of us is to become wealthier over
time with careful spending and smart investing. With that in mind, we are going to
take a look here at some of the ways you might consider doing these two things and
become financially better off in the process.

Investment

Whether you are someone who is looking to throw in the daily grind and commit
full-time to a investments portfolio or just looking to earn some extra cash on the
side, there are endless opportunities for you in the modern era of investing. The
internet has made it easier than ever for us all to get involved in different markets
and start making money through ever-evolving markets. One of the ways that
this is evident is through online foreign exchange trading where you can buy
and sell currency. The idea here is to keep your eye on exchange rates and trade
in currency based on fluctuations in the market. You will need to keep an eye on
world events so that you are able to recognize what impacts the markets you are
trading in and react appropriately.

There are other markets that you might prefer to get involved in, one of those
being the stock market. There are several ways to start investing in shares and
understanding their differences will be key to your success. One way that you can
get involved is by looking into dividend investing which is the practice of buying
stock in companies that pay out a good dividend ratio to their investors. There is a
lot of research involved in this option, but if you are able to find a successful
pattern then you are looking at getting a regular payment through dividends
every quarter.

Photo by Rilsonav from Pixabay


Budgeting

While investing is a good way to go if you have money, one of the most important
things anyone can do is make sure they are looking after their own expenditure. One
way to do that is my budgeting your household and personal finances with fine precision.
This means calculating where your money is going and figuring out how to reduce
that expenditure. A tool that will be useful to you if you are considering making
changes to your budget is comparison websites.

As referenced above, the internet has made a lot of changes to the way we are
able to manage our finances and comparison websites are included in that category.
Thanks to the research done by these companies you can reduce your outgoing
bills across nearly all of your utility bills including water, energy, internet and cell
plans. One tip for you to consider is that most companies are looking at customer
retention as a matter of priority these days, so any deal you get from a comparison
website you should take to your current provider to see if they will match or better it.

Friday, January 18, 2019

Creative And Quirky Ways To Save Money Around The House

We could all do with having a little extra money in the bank now and then. Whether
you’re trying to clear your debts, pay for a trip away, or buy birthday gifts for a loved
one, saving money is one of those necessary evils we all just have to do. However,
that doesn’t mean it needs to be such a mundane and frustrating task. With just a
little creativity and a sprinkle of fun, you can make cutting your household expenses
much less of a chore. With that in mind, here are ten more creative ways for you
to save some money around the house.


1. Choose An Inconvenient Bank
Doing all of your banking in one place is certainly convenient, but that isn’t always
a good thing. This is especially true when that place is the internet. When all of the
money you possess is a mere few clicks away, it’s easy for temptation to take over,
leading you to spend cash you really shouldn’t have. To make this a little more tricky,
you should deposit savings into a different bank account. Make sure that this new
bank is far away and that you destroy your ATM card.


2. Pay For Bad Habits
We all have a bad habit or two that we want to get rid of. Unfortunately, it isn’t always
easy. To give yourself some incentive, you should set up a jar somewhere in your home
and label it with that habit. Then, every time you see yourself doing something you
shouldn’t be, you can put some money in the jar. For example, if you noticed yourself
biting your nails, you can deposit $1. This should help you to break your habit
eventually while saving some money in the meantime.


3. Get Lots Of Sleep
Getting plenty of sleep each night comes with a number of health benefits, but
the financial boost you earn in return goes so much further than just reduced medical
bills. Of course, one of the biggest and most obvious reasons you save is that you
can’t buy anything while you’re asleep. You also can’t eat or drink anything or
watch television, reducing both your grocery and electricity costs. Extra sleep
also makes a better driver, reducing the chance of you being in an accident.


4. Grow Your Own Veg
When compared with a diet full of meat products, the plant-based alternative is a
lot cheaper. Of course, fruits and vegetables themselves are less costly, but the
reduced risk of illness means you’ll also have fewer medical bills to contend with.
For this reason, you may want to become a vegetarian, or, at the very least, have
meat-free days every week. To cut costs even further, you could start a vegetable
garden and grow a few staple veggies you always need in the kitchen.


5. Buy A Tiny Home
Housing costs tend to take up most of your budget, whether you’re renting or paying
a mortgage. With that in mind, the best way to make major savings is to downsize
your home. To take this one step further you could even buy your own tiny house.
It’s clear that these homes cost less than traditional properties, but when you
learn more about these unique tiny homes, you’ll see the savings don’t end there.
You can also save on energy, as there’s less space to keep warm.


6. Try A Different Job
No one enjoys the long drives to work each morning, especially when they cost
hundreds or thousands in fuel and car maintenance each year. To completely
eliminate this expense, you could consider ditching your current job to work from home.
Whether you telecommute or run your own business, this decision can continue
to benefit you financially long after you’ve got rid of your car. You also won’t need
to buy clothes specifically for work and will be less likely to eat out.


7. Cut Your Hair Shorter
Having long hair can be a frustrating ordeal. You have to brush it a lot, it’s always
getting in your face, and the water, shampoo, conditioner, and other hair products
you need to use on it all cost you money. To reduce the amount you spend cleaning
and styling your hair, you should consider having it cut a little shorter. Rather than
go to any salon for this restyle, shop around for a skilled beauty student. They tend
to charge less for their services, as they’re not fully-qualified.


8. Toilet Train Your Cat
Cats are strange little creatures. They roll around on the floor and lick themselves,
yet still expect to be treated like royalty by their owners. Aside from the occasional
cuddle, the only thanks you get for the care you give is the chance to clean their
litter box and pay out for the litter itself. To completely cut out this expense, you
should try toilet training your four-legged friend. As ridiculous as it sounds, it’s
supposed to be quite a simple and rewarding thing to do.


9. Make Your Own Cleaner
The cleaning supplies in your cupboards are both costly and harmful to the environment.
Because of this, you should consider switching to natural alternatives and make your
own. With just a little vinegar, lemon juice, or bicarbonate of soda, you can
make all-purpose cleaning products that work just as well, if not better than those you
find in supermarkets. From glass cleaners to laundry detergent, there are so many
supplies you can make for yourself.


10. Go Shopping On Wednesdays
The most popular day to go grocery shopping is a Saturday. This is because most
of us are off work for the weekend and stores are open much longer on this day
than they tend to be on Sundays. The problem with this is that businesses know that
Saturdays are going to be busy, and as such, don’t release their discounts on this day.
If you want to save on your shop, then you should head to the store on Wednesday,
when most places kick off their weekly promotions.

Saving money doesn’t have to be so boring. With these creative ideas, you can
have a little fun when you cut costs.