Travel and Save: 4 Ways How to Save Money on Vacation and Have the Time of Your Life

The powers of traveling are well-documented: Broadens your horizons, enhances your peace of mind, boosts your confidence, and, of course, helps you have fun.

However, not many people are reaping these benefits. In fact, 76 percent of Americans wish they’d travel more frequently than they currently do, but a lack of finances stands in their way.

If you’re among these people, we’ve some good news.

You don’t need boatloads of money to hit the road or take to the skies as often as you want. With savvy planning and a good grasp of how to save money on vacation, you’re in for great fun.

Read to learn more!

1. Choose Your Destinations Wisely

We get it: everyone wants to vacation in exotic destinations in the far-flung islands. Unfortunately, such vacations don’t come on the cheap.

But vacation fun isn’t exclusive to exotic destinations. There are several low-cost destinations that offer a similar or even better vacationing experience. Sometimes you don’t even to travel beyond your state or country to have a great time.

As such, the first step to saving money for travel is to choose your destination with your finances in mind. When your bank account isn’t well endowed, it’s advisable to skip those expensive tourist destinations.

2. Know the Most Economical Time to Visit

It’s not enough to identify destinations that are within your financial range. You should also research and establish the most economical times to visit.

Most tourist destination spots have peak seasons and off-seasons. Peak season is when everyone is visiting and off-season means the place isn’t receiving a lot of visitors.

During an off-season is the best time to visit when you’ve one eye on saving money. Airfares are usually dirt cheap, as is the cost of local accommodation, tour packages, and whatnot.

Sure, you may have to bear with bad weather, but it shouldn’t stop you from sightseeing and making the most of what the location has to offer.

3. Don’t Stop Hunting for Vacation Deals

A common mistake travelers make is downing their deal hunting tools once they get to their vacation destinations. Big mistake.

Vacation deals aren’t only offered before you travel. They are always available throughout the year, you just need to know where to look.

Once you’re on vacation, use your free time to scour the local travel sites and find whether they’re offering any tour deals and package specials. You could land a good sightseeing coupon or a cheap pass to the local theaters.

The discounts might seem insignificant, but once they start adding up you’ll have real change in your pockets.

4. Prioritize Making Cash Payments

Paying for goods and services in cash while on vacation (especially in a foreign country) isn’t a welcome idea for most tourists. From the hassle involved in converting your money to the local currency and the mental math you’ve to do before making a payment, cash can be a pain in the ass.

Thank heavens for credit and debit cards.

However, cards can be a booby trap. Swipe here, swipe there and you risk losing track of your expenditure and burning through your money in record time.

On the hand, cash keeps you focused. You feel the loss as it leaves your pockets, so you’re unlikely to stray from your budget.

Learn How to Save Money on Vacation and Have a Blast

Vacations are a good way to take a break from work or school and unwind while creating lasting memories. But a lack of money or the prospect of racking up huge bills can put a real damper on your experience.

Well, that shouldn’t be a problem. We’ve taught you how to save money on vacation, so your job now is to put our advice into practice.

Bon voyage, and don’t forget to explore our site for more travel and lifestyle tips.

3 Tips to Choosing a Builder to Build your New Home

Building New Homes in Delaware could be a challenging feat if you don’t know where to start. Now that you’ve pinned the perfect location to build your home, the next thing you want is to actually turn that dream into a reality. Choosing a builder to entrust with constructing your home is not an easy job. There are several things you want to consider in order to make the most out of your options and your money. Surely the local home building industry in Delaware is very lush. You will be greeted with so many credible options and it’s up to you to select which contractor is a good fit for you and your new home. If you’re unsure how to look for the best one, here are 3 tips you should know:

  1. Check for quality of work

Building a home is a big project. It’s a special place where you and your family will enjoy for the years to come. As such, you want to make sure to get a builder with a track record of delivering high quality home projects. Quality of work should be your first priority when looking for a builder.

Look at their work history and take a tour of their past projects. Check for references and feedback. If they have a social media page, you can scoop out relevant feedback information there. Check if any of their past works strikes you positively, as it’s also important to see if your build ideas are in agreement with each other.

 

An important aspect in a home’s longevity is the strength of its foundation. That said, you should also ask for the type of products and materials your builder uses. You want to make sure your home will be built from the strongest materials you can afford. High quality materials should be the base of everything in your home, from the foundation, to the beams, and even the counter tops.

  1. Find someone you can connect with

Easy communication is a vital part of your relationship with your builder. Being able to communicate freely to your contractor makes it easier for your explain the things you want for your home. You should be able to understand each other at a level that’s almost casual, so that you can be candid and honest about any feedback you want to say. Meeting someone whose communication style is in sync with yours is a big plus in furthering the deal.

No matter how much you like your contractor’s portfolio, if you can’t agree on something verbally, you’ll be having a hard time communicating with them in the future.

  1. Be transparent

Transparency is key in any fruitful relationship. Especially with choosing a builder, being honest and transparent in every detail of the building project ensures quality all throughout. The best builders out there are very honest and would happily answer any of your concerns about the project. They will give you a workable timeline, and a budget breakdown that’s detailed to the last cent. They will disclose every material they use, the manufacturer they got it from, including any warranty coverage. If you find someone who has trouble explaining the trivial details of a building project, steer clear of them.

5 Online Tools to Help You Spend Less and Save More

Earning enough money to maintain the lifestyle you’d like can be difficult. While you might dream of the occasional vacation that allows you to relax away from your usual busy life, reoccurring bills, medical expenses, or even the infrequent emergency financial matter can become a severe barrier. However, you can overcome all this by finding ways to spend less and save more.

Nowadays, as technology evolves quickly, you’ll find that there are many more options out there to help you change you save money, including these helpful online tools.

  1. Honey

You may have heard how useful coupons and discounts can be at saving you from worrying about the full price for items. But they can be a bit tricky to find and usually involve a fair bit of time combing through website forums, newspapers, and sales flyers. Honey offers you a way to avoid this hassle. A free browser extension, Honey helps you save money while shopping by allowing you to find and apply some of the best coupon and discount codes to online stores.

  1. RX Connected

If you happen to deal with a number of prescriptions, you may find that your medical expenses end up accumulating more than you’d like. And if that’s the case, you might want to consider a resource like RX Connected. As an international and Canadian pharmacy referral and administration service, RX Connected can help you get in touch with the appropriate licensed international and Canadian pharmacies that are able to provide prescriptions at much more affordable prices.

  1. Hopper

For those of you who already have a vacation in mind but have yet to plan it due to pricing concerns, you can check out Hopper. This online tool will predict travel prices for hotels and flights with near-spotless accuracy, giving you the chance to book your travel destination at the right time, at the right price.

  1. Acorns

Investing your money can seem daunting, but it can also give you the chance to earn more while spending less. One of the easiest ways to do this can be through a micro-investing account on Acorns. This account can be easily set up and allows you to invest spare change into stocks, growing your financial portfolio and wealth without costing you minimums or trade fees.

  1. Goodbudget

Managing all of your spending and budget needs is no easy task. Without even noticing it, you might accidentally overspend in one area and leave yourself with no financial wiggle room. To help you keep on top of your monetary matters, you can turn to Goodbudget, which is a virtual budget program. You can sync all your bank accounts, credit cards, and transactions to this program so that you know exactly what you can actually spend and what you should be setting aside.

Whatever your financial situation happens to be, you’ll find that these online tools can help you keep the most of your hard-earned money while spending less on expenses.

4 Things You Should Do If You Are Facing Foreclosure

Foreclosure occurs when a lender repossesses your home because of unpaid mortgage. Going into foreclosure is scary. However, receiving a notice of delinquency does not mean that you automatically lose your home. Most lending institutions offer a 15-day grace period that may or may not have a late fee attached. If you fail to pay for your mortgage for 90 days, the foreclosure process will begin. Nevertheless, there are steps you can take to slow down the foreclosure process and get back on track. Keep reading to learn about four things you should do if you are facing foreclosure.

  1. Educate Yourself

The first thing to do is to educate yourself on what is happening. Read over everything you have received from the lender, including your mortgage. Most initial notices come with information on ways to prevent foreclosure. The second mail will contain essential warnings about the foreclosure and pending legal actions. No matter the report, it is advisable to stay informed. Educate yourself on how your state handles foreclosure. In some states, the lender must file a lawsuit against you before proceeding with the process. In others, trials are not a requirement. This information will help you figure out the amount of time you have to find a solution.

  1. Contact a HUD-approved Housing Counselor

If you need help figuring out your next move, you can opt to speak with a HUD-approved housing counselor. These federally funded agencies work with lenders to secure affordable repayment options for struggling homeowners. The counselor will look at the specifics of your situation and help you figure out your options. Make sure you work with a free counselor since some may be frauds looking to take advantage of those in tough situations.

  1. Make a Short Sale

If you do not see yourself being able to repay your dues even with a repayment plan, consider making a short sale. Some companies such as sell house fast Oklahoma will help you with your short sale. You have to ask your lender for permission since they have to agree to settle for less than the home is worth. The bank is also in charge of choosing which offer to accept. In this case, you will ultimately lose your home, but without a foreclosure or its repercussions on your record.

  1. File for Bankruptcy

If you are thinking of this option, it is important to note that filing for bankruptcy will affect your credit extremely negatively. However, it can be your only solution toward delaying foreclosure while reducing or eliminating your debt. The moment you file for bankruptcy, an “automatic stay” is imposed on your assets. This imposition inhibits collections and temporarily halts the foreclosure process.  There are two types of bankruptcy: Chapter 7 and Chapter 13. The kind you file for depends on how much income you have. Chapter 7 will wipe out your debt by allowing a court-appointed trustee to sell off any of your non-exempt property to pay back creditors. Chapter 13 will enable you to keep your property. However, you have to create a repayment plan to clear your debt. Either one will give you time to figure out the way forward.

Now you have the best alternatives if you find yourself in this challenging situation.  

Braving the Storm: 4 Steps to Handling a Medical Emergency

More than 7 million people find themselves in Australia’s hospital emergency departments each year based on a recent report from the Australian Institute of Health and Welfare. These visits stem from a wide range of issues, some of the most common being vehicle accidents, on-the-job injuries, heart attacks and complications from long-running health conditions. While hospital staff members are trained to handle these situations, the average citizen isn’t typically equipped to deal with sudden and urgent medical needs.

How to Handle a Medical Emergency

When it comes to health scares, panic tends to be most people’s first reaction. This is especially true if a close friend or family member is the victim. Responses like these often come from a fear of the unknown combined with a natural surge in adrenaline, and they rarely generate positive outcomes. With a few simple measures, you can be more prepared for a medical emergency.

1) Know What to Look out for

Sudden medical issues come in a number of forms; of course, not all of them are truly emergencies. According to a recently published breakdown of the situation, certain problems are clear indications of the need for immediate medical attention.

A severe headache, extreme weakness, numbness, vision difficulties, dizziness, confusion, and trouble speaking could all be symptoms of issues or injuries of the brain. Chest and/or arm pain accompanied by weakness, lightheadedness, and shortness of breath may be warning signs of heart-related problems. Emphysema, COPD, chronic asthma attacks and anaphylactic allergic reactions are characterized by respiratory distress and potential loss of consciousness.

All these situations as well as choking and severe bleeding are considered serious emergencies. They should always be tended to promptly by qualified medical personnel.

2) Call for Help

Anytime someone appears to be in need of medical assistance, it’s better to be safe than sorry. This rule of thumb applies whether a complete stranger collapses before your eyes at the supermarket or a family member chokes on a bit of food at the dinner table. Never be afraid to enlist assistance. As noted in a related health guide, dialing 1234 will place you in touch with an operator who can offer help, and local police department numbers should be kept on speed dial just in case. To contact an ambulance dispatcher, dial 000.

3) Learn the Basics

Ambulances aren’t always just a few seconds away, and every moment is critical in an emergency scenario. Being able to jump in and offer assistance on your own is a valuable asset. Consider taking an emergency response course to learn how to handle choking, stop or slow serious bleeding, administer CPR and operate an AED among other basic procedures. These classes are readily available at a number of educational facilities, and some of them are offered at low or no cost to those interested.

4) Consider the Financial Aspects

Emergencies come at a price from a number of angles. Though getting medical attention as quickly as possible is crucial in times of need, the financial aspect can’t be ignored. Insurance doesn’t necessarily cover everything, and it can be a bit out of budget’s reach for many.

Analysts recommend having at least a few hundred dollars set aside for unexpected expenses; of course, we all know that isn’t always possible. When you or someone in your household faces an emergency or even a less critical medical need, you may need to get cash instantly or as quickly as humanly possible. Loans are available for just such instances.

Conclusion

Although it’s virtually impossible to be prepared for every sudden and immediate medical need, these four points can certainly help. Knowing how to determine whether a situation is a true emergency, who to turn to for medical and financial assistance and how to productively step in on your own is incredibly empowering. More importantly, these elements can help save lives.

Why You Need to Prepare Yourself for Financial Emergencies

Life is full of surprises and sometimes those surprises are expensive. You don’t want to get caught unawares by a pricey problem that pops up out of the blue, especially if you’re waiting for your next paycheck to come in. The best solution that people can have tucked in their back pockets is an emergency fund, so they can deal with these complications right away.

 What is an emergency fund?

An emergency fund is a must-have for people looking to have economic stability and security — experts rate it as one of the most important financial accounts people need to have in their lives. The reason why emergency money should be separated from a checking account is that you will be tempted to dip into it. Keeping the funds in a different space will make sure that they stay untouched, until the right circumstances arrive.

 How do you get started?

Industry experts also advise that people only use bank accounts or physical bills for this type of fund. Relying on investments in the stock market can be risky and result in a major disappointment when you’re looking for financial support. You want to have a fund that is reliable and that you can withdraw at a moment’s notice, so you can deal with a serious situation the second that it happens.

 The ideal amount you should have saved up in an emergency fund depends on your income and your living expenses. It’s recommended that you have enough to cover between three to six months of those specific expenses. Some people may find achieving this end-goal to be very difficult in a short amount of time. If this is true for you, just work on putting as much as you can manage so that the account isn’t completely empty.

Anyone who wants to build an emergency fund should let people in their social circle know they are trying to reach a new financial goal — this lets friends and family members know that you need them to give you support, not to entice you into spending. This way they won’t pester you to come out for a round of drinks or head to a restaurant opening. When you have everyone on your side, you’re less likely to sabotage your budgeting plans.

 What qualifies as an emergency?

You don’t need to dip into the fund for home repairs that can be placed on the to-do list for a few months or for shopping spree that was higher than expected. The fund is for situations that require immediate attention and when there is nothing in your other accounts that can make the payments.

One of the biggest financial emergencies that people has to do with their health — maybe they had to take an unexpected trip in an ambulance or they need to get prescription medicine that their health insurance won’t cover. A one-time accident that results in a broken arm can lead to more than two thousand dollars in hospital bills.

Here are some other examples of emergency situations that the fund would qualify for:

  • Your car won’t start
  • Your pet needs emergency veterinary surgery
  • You have overdue bills for essential services
  • Your basement flooded
  • Your water heater broke down

What can you do if you don’t have a fund?

You may not have a fund that you can dip into when one of the previously mentioned emergencies happens to you. Or you could have just started saving up for one, but you have a tiny number in the account that can’t cover a fraction of your payment. If you are worried about what to do when you need cash in a hurry and you don’t seem to have any savings or credit that you can access straightaway, there are solutions out there.

An online installment loan could be the quick fix that can get you through a distressing dilemma. After your application gets approved, you can use the money for your issue and then repay it over time in convenient amounts. A company like MoneyKey allows you to apply online, so that you can go through the swift process on your computer at home or on your smartphone. It’s always difficult to tackle an emergency expense, but this solution can make it a little easier for you.

You could be fortunate enough to have a car that always runs, a house that never falls into disrepair and a clean bill of health. It’s possible to avoid major conflicts and financial obstacles in the future. However, you should never bet too much on luck to keep you afloat — having a fully-stocked emergency fund will be the perfect safety-net in case the worst happens.

4 Benefits to Buying a Sea Pine Villa

Whether you are looking for a place to invest, spend the holidays with your family and friends or live, consider buying a sea pine villa. There might be several options, but getting a good place to live or to invest can be a challenge, especially if there are specific things that you are looking for.  However, a sea pine villa might be the ideal home, whether for holiday or living purposes since it is versatile. Here are four benefits of buying a sea pine villa.

Multiple amenities

Most sea pine villas come with a wide variety of amenities where you can engage in different activities and enjoy different sports such as parasailing, kayaking, or just enjoy a boat ride on your own or with family and friends among other relaxing activities.

The various amenities provide a calm, splendid place where you can spend time with your family. You can also take walks, bike rides or just explore the beautiful landscape. Within the vicinity of most sea pine villas, you will find several stores and shops like cafes, harbors, bakeries where you can shop or explore.

A wide range of housing options

There is a wide range of housing options in Sea pine where you can enjoy viewing some of the finest, sandy beaches and lagoons. Even if you do not want to live in a villa, you can get a condo, lot or a home for sale that suits your needs.

Beautiful environment

Nothing feels good like a relaxing, clean atmosphere. Most sea pine villas have a clear view of the sea, providing exclusive scenery and experience.  The splendid view of the horizon gives you a glimpse of the sunrise and sunsets where you can enjoy watching the sun rise and set in the horizon. With a fresh, breath of the sea breeze this can enhance your day making you feel energized and refreshed.

When you buy a sea pine villa, nights out become your most desirable moments. You can enjoy an evening or a walk by the beach while enjoying the fresh air by the sea. In general, the whole environment is not only good for a living, but the climate also provides a great place to spend your vacation away from a busy life.

Safe and friendly community

The sea pine villas reside in one of the most beautiful and quiet suburbs with clean, fresh air all around you. The residential life in a sea pine villa is safe and the community is great. The villas, condos, and homes are all built to meet every person’s need and you don’t have to worry or stress about your safety.

A sea pine villa is not only the best option but it will offer you a splendid, extraordinary experience with a unique and wonderful life. It will give you an opportunity to enjoy life at its fullest.

Even though most sea pine villas are costly due to high demand, you can choose from a wide range of homes, condos and lots of the sea pines villas for sale available depending on your budget. Locate the most valuable sea pine villa and have a splendid time living by the sea enjoying a calm, stress-free lifestyle with your loved ones.

4 Ways to Manage your Finances as You Age

Between managing your work, your social life, your education, and your other commitments, achieving financial stability can be difficult especially when you have little to no financial knowledge. It is always important to start managing your finances yourself, from an early age to secure the life of not just yourself, but also your loved ones.

The next question that pop’s to my mind is, how do we do that? Handling everything together can be stressful. Responsible equity release is what you should be looking for.

The 4 Easy Ways to Manage Your Finances

Here are a few simple tips to help manage your funds well and lead life stressfree in the future.

  1.    Track your Expenses and Incomes

Budgeting is the key. We have always learned from our teachers in school to keep a track on what we expend and sources to earn profits at an early stage. Apply this in your life early, and you don’t have to worry during tough times in the future.

  • Spend on things that you feel are necessary.
  • Always have a list of things you need to purchase and stick to it.
  • Do not buy anything on impulse as you are bound to overspend.
  • Small stuff like overspending on gifts could make a huge difference.
  • Track your income sources by investing in mutual funds and schemes that you feel are legit.
  • If possible, work two jobs from an early age. It will help you get an additional source of income which you can enjoy in the later stages of life.
  1.    Invest

Who said that you need to be a financial guru to undertake investments? You can do it yourself as well. All you need in a little advice and tons of research and to find ways and means that are less risky, to avoid getting into a financial risk as you age.

One of the safest ways to invest is to purchase Government backed bonds or shares. These help you to spend, without having to worry about the volatility in the markets. Choose something that is ideal and optimal, a choice that is made by most others.

  1.    Keep a Note of Your Credit card Signups

In the early stages of our career, we tend to subscribe to several credit card companies to avails benefits such as rewards or credit points. As you age, this might turn out to be stressful. Keeping track of how much you spend from each of your credit and then having to pay all those bills could be cumbersome.

Maintain a proper system and try to cut down on the number of credit cards you own. Keep a track on the amount you spend and see to it that you do not exceed the limit which is pre-defined. Starting at an early stage will help you to maintain a peaceful life later on.

  1.    Set up a Retirement Fund

Setting up a retirement fund is what you need to look for in the longer run. It helps you to stop worrying about your source of income, once you have retired. Invest in a diversified fund. The amount that you invest in this fund will be diversified among different securities and stocks and will give you good returns. Plan your retirement well!