Tag Archives: cash money

Creative Ways To Save For Travel

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Creative Ways To Save For Travel

You can travel with debt, but taking steps to reduce your debt before traveling is advisable. Loan consolidation makes a lot of sense, and could save you enough capital for a trip over time. Generally, when you’ve got any debt, your best strategy to liberate yourself will be to live beneath your means until the cost has been overcome.

For example: say you make $2,000 a month. $800 goes to rent and utilities, $200 goes to gasoline, $500 goes to food. What do you do with that additional $500? Do you spend it, or save it? Well, if you’re living beneath your means, you save it. That, or you put it toward paying off any debt you owe.

Something you additionally want to do is find ways to cut down on regular bills. For example, if you’re paying $200 a month in gas, but you only live two miles from where you work, and this is your primary reason for driving, see if you can cut that number in half. A 250-mile tank can make 125 two-mile trips or 62.5 consecutive work-days.

If you’re only working 20 days a month, then you can make it to and from work and still have 80+ miles left over for whatever you like. If you’ve got a conventional car, a tank is only around $50. So, if you can cut down your time spent driving, you can preserve the lifespan of your vehicle while reducing your monthly expenses, allowing you to either save money or pay off debt with greater expedience.

Practical Considerations:

Certainly, this is easier said than done. Once you’ve established the non-negotiables of your budget, it’s time to see what you’ve got leftover and what you can do with it. Even if you have relatively little, proper planning can help you attain necessary capital for a vacation.

If after you streamline your budget, you can only add an extra $200 to your expendable income, that is still $2,400 in a year; or enough for a pretty decent vacation.

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Budget wisely!

Avoiding Creature Comforts:

Still, this is a fairly ideal circumstance, and cutting down your monthly expenditures in terms of food and gas can be difficult. So, you must find ways that you can eliminate discretionary spending. You may be surprised at how many unnecessary things you buy. Don’t think about creature comforts, think about living at a bare minimum.

For $100, you can eat well for a month as an individual, should you be careful enough in purchasing and preparing your own meals. You can combine such a budget with EBT or food bank sustenance to increase the amount of food you have access to. You can additionally seek options beyond your income to help you acquire what you need.

You may be surprised to find what you actually qualify for, especially if you’re a low-income family, there may be support solutions out there for you. Here’s the AUS Benefits website; it can help you to see if you’re eligible for financial assistance in certain areas of life. Sometimes, this can come in the form of direct support or tax breaks.

Something else that can help you save money is where you choose to travel. You don’t have to stay in the highest dollar accommodations available. You may look for friends, relatives, or look for special offers such as these. There are also after-market type hotel situations which, though perhaps not ideal, can save you a few hundred dollars.

Although travel is a luxury, it can be more attainable with the above tips!

Featured Image By: Pixabay

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What’s A Career That Pays?

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What’s A Career That Pays?

Once you leave school, it’s fair to say that you’ll be spending the majority of your adult life working. As a result, you’ll build a career that, hopefully, will give you great satisfaction. However, the thing about your career is that it needs to do more than just keep you happy. As everyone works to earn money and make a living, you can expect your career to fulfill this objective, too. Ultimately, the question you need to ask yourself is whether it’s possible to find a job that pays the bills, that makes you happy, and that pays towards the greater good.

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You can earn a lot in a high-risk medical career

The invisible hand that helps:

There are professions that can change or save someone else’s life. But when these get too stressful to handle, you can pick the jobs that run in the shadow but still play a significant role. For instance, if you want to enter the healthcare system but don’t feel confident enough to deal with patients, you’ll appreciate the opportunities this Medical Billing and Coding Training gives you. With it, you can ensure that patients’ electronic health records are kept safely and accessed efficiently so that doctors can refer to it for further information.

The helper who builds the next generation:

If you want to see the difference you make, you can choose to prepare the next generation to tackle the challenges of modern life. Tomorrow’s doctors, engineers, and presidents are today’s pupils, and that’s why they need a good teacher. Everything starts with proper training on your topic but also on how to improve your classroom skills. It’s your duty to help students reach their full potential so that they can grow in confidence and knowledge with your help. In other words, a good teacher needs to help kids to learn and push them to discover further.

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The one who makes the future:

How about you try to make the world a better place today? To do this, you need to choose a career that can target some of the biggest challenges of our generation, namely managing our impact on the environment. Architects, energy engineers, interior designers, and urban strategists have combined forces to create a house model that produces more energy than it consumes. You could help to distribute the model nationally or internationally, using your skills whether these are business-related or in engineering. It’s only when experts work together that they can achieve great results. Contrary to the common belief, it takes more than an environmentalist student to build a greener planet.

The actual money-making career:

Finally, you can also decide to focus on the monetary aspect of your career by picking high risk positions from doctors to CEOs. Careers that juggle a lot of risks and stress tend to be generously rewarded. Admittedly, it’s fair to say that to earn a lot you need to learn a lot and be confident in your skills to navigate through the dangers of your profession. In other words, a career that grows your income significantly is also a career that requires you to keep a cool head at all times.

Ultimately, there are many ways in which your career can pay towards the greater good, whether you’re thinking about your personal income or of saving lives. A career that pays could be any of these!

High Paying & High Powered: The Careers You Can’t Afford To Dismiss

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High Paying & High Powered: The Careers You Can’t Afford To Dismiss

There is a lot of conflicting advice out there about how to pick the perfect career after college, with many experts emphasizing how vital it is to do what you love. However, it is also important to acknowledge that 99.9% work because we need the money to survive. With this in mind, careers at the top of the pay scale should always be considered before you make your choice. Read on to find out about some of the highest paying and highest-powered careers there are out there that might be a good fit for you:

Stockbroker:

Fancy working on Wall Street, wearing smart suits, and partying as hard as you work? Then the role of stockbroker may be for you. Of course, it’s not all champagne lunches and, in fact, it can be a pretty stressful environment to work in. Because along with the potential for high returns, dealing in stocks and other financial investments is super risky.

Now, as a stockbroker working on Wall Street, you can expect an average salary of around $300,000 a year. Although, you won’t be investing your own money but currency provided to you from commercial or private clients. You may even work with mutual funds where a collection of investors group together so that they can secure a bigger stake in the market.

You will also need to be highly knowledgeable about stocks and shares as well as other investment opportunities such as forex, ISAs, and CFDs. The latter being entirely different to actual stocks because the money is not exchanged for tangible assets. Yes, it’s a complicated process, but luckily you can get some more info about CFDs by researching them online. Although, do note that unless you have a stellar track record, it’s likely you will need a fiance or mathematics degree to get into this field.

Doctor:

Everyone thinks of medical doctors as being at the top of the pile when it comes to high paying and high powered jobs. Such a role is certainly high powered, as doctors end up making life or death decisions on a daily basis, and have to take the responsibility for these, as well.

Doctors need to use their salary to offset their student loans. However, regarding pay, you might be surprised as to how little doctors earn. In fact, the average MD wage in the US is £200,000 per annum. Although, this can be increased by specializing in a specific area or going into private practice.

Unfortunately, as there is so much schooling needed to become a doctor in the first place, the high loan debts that newly qualified medical professionals have often absorb a significant part of their salary. Perhaps making it a less wise choice for those to whom salary is the most crucial factor.

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CEO:

A CEO or chief executive officer is the person within a company that makes the high powered and high pressured decisions. The ones that whether the company will sink or swim are based upon. Of course, this makes it a super stressful environment, but many people thrive on this and enjoy carving out a name for themselves and their company in the commercial market.

Also with the average US CEOs salary being at around 13 million a year, the monetary reward is there, too; making it a fantastic career goal you cannot afford not to consider.

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#girlpower

We live in a world where the moolah is everything, and the above jobs can definitely give you a lot of it!

Featured Image By: Pixabay

Learn To Live For Today And Plan For Tomorrow

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Learn To Live For Today And Plan For Tomorrow

We all walk a fine line with our finances. We don’t want to spend our time doing nothing, we want to enjoy ourselves and experience life’s little luxuries from trips away to fun purchases. If you constantly favor saving over spending, you’re going to have a pretty boring life. At the same time, though, we have to prepare for tomorrow. We need to think about making sure that we are going to be financially secure ten days, ten months, or even ten years from now.

It seems that we are under constant pressure to plan for tomorrow. Just look at the housing market. As soon as you hit your twenties, there will be people around you, telling you to buy a home. A home gives you some form of financial security sure, but it also ties down your finances. Now, for years, you’ll need to fit in mortgage repayments into your budget. These can be incredibly expensive and will make paying for those luxuries that you love just that little bit harder. As such, it might be wise to not buy a home until you have the income where you can easily cover this cost and still live a full life. Or, simply prepare to accept the fact that, at least for a short time, you won’t be able to afford those fancy trips or that new car. You can learn more about whether you can afford to buy property on www.cnbc.com.

The lesson here, is that it’s a balancing act. It’s about balancing what you need with what you want. It’s about balancing what you must spend with what you’d love to purchase. It’s about planning for the future while still enjoying the present so that one day you’ll be able to look back at the past with no regrets. So, let’s explore some of the ways you can do this, and we can start by thinking about budgeting:

How Should You Budget?

Budgeting is actually easier than a lot of people realize. You need to start by working out exactly what you make per month. This is the total amount you have to play with, and it should include all of your incomes. So, if you have a side hustle, make sure that this is counted. Unless you would rather see that as extra money.

Then, subtract all of the costs that you are aware of. This includes bills, rent, mortgage repayments as well as an average food cost. So, you might budget fifty a week or more for food. Now, the amount you have left should be halved. Half of this must go into savings. Set yourself a goal to save each month and put this as a direct debit on your account. Just like a tax, it will leave your account at the end of each month. This cuts out the choice of hanging onto it and spending it. Congratulations, you’ve just made a smart choice on how to prepare for your future.

The other money you can spend however you like. Put it towards your holiday, use it for presents or nights out. It’s your choice, but you have to remember that this is all you have to spend. Now immediately, you might notice a problem. There isn’t actually that much to spend is there?

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Budgeting is key!

Play With The Numbers:

This is where you need to start cutting costs on things that you need so you can afford things you want. An example of this would be something like energy bills. We all have to pay energy bills, but they should be more manageable if you can go a little more green. Make changes to your home to save energy, and you’ll have a little extra to spend each month. It won’t be much, but it will make a difference. Since you have already set a target, add that to your spending budget for now.

You can also think about boosting your income. What you’re looking for here is a passive income. There’s no point in taking on a second income to enjoy your spare time if you’re going to end up with no time to spare. There are various options for passive incomes from the stock market to property. Research a few and find out which one will benefit you and suit you the most. If you’re good with numbers, you might want to consider forex trading, which is basically investing in the value of different currencies. By predicting patterns, you can make a fortune in this market without even trying.

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Preparing For Disaster:

Of course, your budget is based on your income. Any hit to your income will kill both your spending budget and your savings. Worse still, it might mean that you have to use your savings to cover expenses that you can no longer afford. You can see how this would be an issue. Suddenly, you don’t have any money in your account for the future. This is where great budgeting advice that is found on www.lifehacker.com comes in handy. But how do you handle this situation?

You have to prepare for any disaster that can be foreseen. You’re probably thinking, wait a minute – unexpected costs can’t be foreseen. That’s why they’re unexpected. It’s not true. You might not expect to develop a disability, but you can forsee that it’s a possibility so you should plan for it. Anyone could develop a disability. You might be involved in a car accident, you could fall at work, or it may even develop due to biological causes. Since it could happen, you should plan for it. According to www.insurestat.com, doctors should definitely do this because anyone working in the medical field who develops a disability will probably be unable to work. As such, they should protect their income. You can protect your income with disability insurance and guarantee that you are always on roughly the same level of pay. Regardless of whether you can work or not.

This isn’t the only disaster you need to prepare for. You have to consider the worst-case scenarios that could impact your finances. Medical bills, for instance, are one of the greatest causes of debt in the USA today. You can plan for this by buying into the right health coverage plan that provides everything you might need.

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Insurance is a must.

Don’t Always Wait For Tomorrow:

Tomorrow doesn’t always come. Or rather, you can miss too many tomorrow’s and before you know it you’ve run out of time to do what you want. This may sound morbid, but you could die tomorrow. So, you might constantly be putting off that holiday to a point where you can easily afford it and when you’ll still have savings. But what if that day never comes? Most people do live their lives on an average, basic income. They never reach that 100K a year paycheck, and yes you can wait until retirement and use your 401K. But, after you’ve retired, you might not have the energy or the health to do everything you wanted. Don’t let life pass you by while you wait around for the right moment to do something.

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 #justdoit

Live For What You Love:

Finally, you need to make sure that you’re not spending your hard earned money on things that you don’t want and that you don’t need. This happens all of the time. We’ve already mentioned one example, and that’s property. Buying a home can be right for some people. But, if you are still moving around and haven’t settled, it’s just a waste of money and adds plenty of stress to your life that you don’t need. Instead, you should continue to rent. While it might be dead money, it can be far cheaper than purchasing a home that you may never pay off.

Ultimately, you have to live your life in a way that makes sense for you and financial purchases should be part of that decision. Some people spend their whole life traveling around the world, work by freelancing, and never once think about settling down into a comfortable routine. This site, www.justonewayticket.com, has some great advice on spending your life traveling. Could this be the lifestyle of your dreams? Perhaps! And as long as you have a plan for tomorrow, you can live however you want to today.

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#goals

Featured Image By: Maxpixel

Stop Replacing Clothes So Often With These Longevity Hacks

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Stop Replacing Clothes So Often With These Longevity Hacks

Do you wish that your clothes would last you for longer than they do? If they did, you wouldn’t have to replace them quite so often, which would help you save a whole load of cash. So, imagine if there were ways that you could prevent all of the wear and tear that your items of clothing have to go through.

Well, there are a few ways you can do just that! And don’t worry, you don’t have to spend a lot of money trying to increase their longevity and lifespan. In fact, these simple hacks can help you see a big difference when it comes to making your wardrobe last longer.

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Cuuuute!

Know What To Fold And What To Hang:

Did you know that storing your clothes incorrectly could shorten their life? It’s true; some clothes need to be hanged up while others should be folded away neatly. For instance, sweaters and hoodies will stretch out of shape when they are hung on hangers in a closet. They need to be folded up in drawers. Similarly, dress shirts won’t fare too well when hung up. However, jackets and coats need to be hung – you can use shirt hangers to ensure that they don’t stretch too much on the hanger. Dresses and skirts also need hanging in wardrobes, as well.

Reduce Your Laundry:

If you regularly wash clothes, they will end up losing their color and the material will also start to fray. So, no matter how tempted you are to pop an item of clothing into the wash, you should try and hold off until it really does need cleaning. Ideally, you should wear everything more than once before it goes in the washing machine. There are some things that can help you put off your washes. For example, lint rollers can remove any hairs from your sweaters and you can also buy anti-stain pens that you can dab onto your clothes to remove any small stains and spills.

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I need that outfit!

Keep A Smoke Free Home:

It’s also a good idea to try and keep your home free from smoke. This includes smoke from cigarettes and vapor pens. The odors from each type of cigarette and e-cigarette will just cause your clothes to smell, even if they are put away in your wardrobe. Cigarette smoke and odors can end up all around the house and will get into your closets and other storage units. Not only that, but the smoke from traditional cigarettes could end up permanently staining your clothes.

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Watch Out For Pests:

It’s not just cigarettes that are putting your clothes at risks – any pests that are sneaking around your home could also be causing damage. For example, rats and mice like to nibble on anything they can get their paws on. If they make their way into your bedroom, you might start to find bite marks on the edges of your clothes. They might also do their business on your clothes, which could cause stains and smells. Thankfully, this company can help you take care of your pest problem. You might also want to add some mothballs to your wardrobes, closets, and drawers so that you don’t start to have a problem with moths. These little creatures are known for eating clothes whenever they get the chance!

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Love that backpack!

Work In Old Clothes:

Ideally, you should always keep some old clothes that you can carry out all of your dirty work in. It’s really not a good idea to wear your best shirt and jeans for doing your cleaning and other chores around the house, for example. You will be on your hands and knees, which could wear down your jeans, and you might also spill some harsh cleaning chemicals on yourself which could stain your clothes. So, it’s a good idea to keep some old clothes that you aren’t bothered about for these jobs. You should also invest in an apron for when you are cooking in your kitchen. Just one splash of tomato sauce could end up ruining a crisp white shirt!

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Fun shoes!

Reinforce Your Hems:

As soon as you buy a new skirt, pair of pants, or dress, you should always find the time to reinforce the hem before you wear it. It’s really easy to do, as you just need to know one simple stitch. If you have your own sewing machine, then it is even easier. Doing this will make the hems a lot less flimsy and they won’t experience quite as much wear and tear as usual. Knowing how to sew hems can also help you raise or lower them, which means you will be able to adjust your skirts and dresses to keep up with hemline fashions.

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Definitely wear your play close while exploring!

Invest In Good Quality:

One of the best things that you can do when you are shopping for clothes is to invest in good quality items. If you just buy cheap clothing, you will find that it regularly needs to be replaced. That’s because it hasn’t been made with the best materials or using the best possible techniques. As a result, it will be flimsy and a lot more likely to stretch out of shape.

Plus, you will find that the colors fade quickly. So, rather than scrimping and saving in budget stores, it really is worth investing in top-quality items. These will last you a lot longer so, even though you initially pay more, you will end up saving money as you won’t need to replace them so often. When you buy expensive clothes, you should look for timeless, statement pieces as these won’t go out of fashion quite as often as items of clothing that are bang-on trend right now.

Your clothes should always last you for at least a year. If you find that you are replacing items more often than that, you might really benefit from all of the tips in this post. Good luck with your wardrobe’s new lease of longevity!

Featured Image By: Kaboom Pics

Spending Money To Save Money

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Spending Money To Save Money

Money is by far the most challenging area for modern people to handle in their life. With jobs paying less than they have for a long time, the world’s finances in tatters, and temptations around every corner, it can often feel impossible to save a little for when times are tougher. This leaves a lot of people feeling worried about their position. Of course, it doesn’t have to be this way, and a lot of people have the tools that they need to start saving right in front of them; they just need to spend a little first.

With the world in such bad shape with money, it can often feel like you have to work to save wherever you can. While this can be a good mentality to hold, it can also cause some damage, forcing people to avoid spending anything at all. In cases where quality, time, and value are all factors, this doesn’t always work out. Instead of saving a buck, you will have to go back and pay again, resulting in spending over double what you initially budgeted. This sort of issue only applies to certain things. In most cases, any professional service should be handled like this, and you can find some examples below to help you to do it correctly:

Accounting:

Given that money is so important, it doesn’t makes sense for you to manage every aspect of it yourself. When it comes to something like taxes, you will need to work hard to make payments correctly, and this can be a challenge without the right skills. Making a mistake here will often result in fines which are far larger than the costs of some support.

Moving Home:

When you decide to move to a new place, there are a couple of people ready to help you; estate agents and moving companies. The first will be able to find your new place for you, dealing with the complex and monotonous paperwork which comes with it. The second will be there to help you to pack, transport, and move all of your items into your new home without (hopefully!) breaking anything.

Construction:

There are loads of parts of the home which you need to be qualified to work on. Electrical, plumbing, and gas can all be very dangerous, and the work that you do on these areas will often be refused approval on the grounds that you don’t have the right credentials. This can result in having to pay for the same fees more than once, resulting in big bills which will be hard to pay.

Hopefully, there will be very few times in your life when you need help like this. For the regular jobs, you will often be able to find people willing to work on a subscription-like basis, saving loads of time when it comes to booking them. In some cases, you might need something bigger, though. In either situation, spending a little extra can save you a whole lot, especially when you’re dealing with high-value items.

Featured Image By: Unsplash

Makeup Free Days

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Makeup Free Days

Howdy! Back in the day, I used to complete my makeup routine almost daily – even if I was staying home for the day. As the years progressed, I realized just how silly this was and began slowly easing into Makeup Free Days. This originally started out as a Sunday occasion, but now, I spend at least half of my week with no makeup on. It’s crazy!

I wouldn’t say that I have this sky high confidence that makes me feel okay with no makeup on. It’s honestly more of a lazy girl thing. I apply my makeup and do my hair when I’m working in the community. But, if I am working from home or just running random errands during the day, I really don’t see the point of painting my face. Once I realized that going out in public with no makeup on wasn’t the end of the world, it became easier and easier to leave the house bare faced.

Of course, makeup free days save me time, but my skin and wallet are also definitely thanking me. I’ve noticed that my skin has looked increasingly healthier as I make my way through the year, because the products that I use after washing my face really gets a chance to sink in and work as opposed to being suffocated by the makeup on top. And, days without makeup equals using less of it, which equals buying less products, which equals more money in my pocket!

It’s a little surprising to me how within a handful of years, I went from caring so much about what complete strangers might think if I left the home in anything but full makeup perfection to running about town fresh faced for three or four days of the week. I guess that’s part of growing up. Getting older sucks. But, feeling okay makeup free is something that I’m definitely okay with!

Has anyone else had a makeup free epiphany similar to mine? How often do you apply makeup during the week? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah