6 ways to build funds for your next family vacation

When you lead a busy, hectic life – let’s face it, who doesn’t? It’s always nice to have something to look forward to. Weekends come and go, but it’s often the annual family vacation that most families count down to every year. Arranging a vacation requires a lot of financial planning.  One way that families reduce the financial burden of organizing a family vacation is by booking it well in advance and paying in smaller instalments so they can spread out the cost. 

Wondering how else you can build up your funds for your next family vacation? Check out 6 ideas below.

Check you’re getting what you’re entitled to

The cost of living is increasing but sadly our salaries don’t often reflect that rise. Therefore, it’s always a good idea to check that you’re receiving the benefits that you’re entitled to. Whether you’re on a lower income, a single parent or even a veteran who’s recently left the military – check out disabledvets.com to find out more about your veteran benefits – you could be entitled to more money than you think, that will not only help towards the day to day life of raising a family but also relieve some of the financial pressure you’re under. 
(more…)

Cryptocurrency and Entertainment

With the advent of the internet, online commerce has taken the world by storm, and this will surely continue for the foreseeable future. Instead of going to a physical location to purchase goods and services, you can buy most anything online with free shipping. To make these transactions even more comfortable, the majority of banks have created virtual wallets which enable consumers to make purchases instantly. When you do travel to the store, you can use the NFC technology inside of your smartphone to tap the terminal. With this said, you no longer need cash or physical cards when shopping either online or in-person. Since physical money is falling out of favor, companies are looking for ways to introduce digital currencies to the public. Bitcoin, Litecoin, and other offerings have failed to catch on because they are not exchanging hands. Recently, Facebook announced its cryptocurrency, which is receiving support from many organizations. Moving forward, entertainment personalities such as David Guillod may be using this technology to transact in the entertainment space.

Adopting Cryptocurrency

(more…)

Blockchain and Independent Films

With the advent of the internet, independent film companies have come about readily, and this does not seem to be changing. Now, more than ever, the ability to make an independent film is accessible to pretty much any individual with a screen. Before this period, making films was reserved for big studios that were given massive budgets. Movies from these large studios are still responsible for the majority of the revenue earned in this industry, but independent films are beginning to make some noise. Film producers such as Heather Parry have seen this industry over the years, and it continues to evolve as time continues. Independent filmmakers have turned to solutions such as blockchains to receive proper forms of compensation.

Providing Faster Revenue Channels

Traditionally, there are a lot of channels independent film companies must go through before they receive compensation. Companies of this nature regularly receive publishing deals from bigger studios and are often the last entity to receive payment. With the introduction of Blockchain technology, this would no longer be the case. Independent film companies would receive more direct revenues, and these filmmakers would earn more money as a result. Since these individuals are responsible for the overall creative process that reaches the audience, they should receive compensation as quickly as the more prominent entities or even faster if possible.
(more…)

Budget city breaks – How not to break the bank

To say that city breaks have come into their own over the last few years would be a gross understatement. Once upon a time it was just about sun, sea and sand and while these getaways certainly haven’t died out, tourists are now looking for alternatives.

City breaks fill this gap and can provide something different for a weekend, or longer. Unfortunately, many of these destinations have caught on to the fact that tourists are now flocking in their millions, and before you know it a break of this ilk can really break the bank.

This is the reason we have put together today’s post. We are now going to look at some of the best ways to save money on a city break, whilst still having a great time.

Location, location, location

It’s one of the biggest clichés going in the travel world, but we really can’t emphasize location when it comes to a city break. There are some destinations out there which always capture the tourists, but always happen to capture the dollars as well. In other words, it’s impossible to do them on a budget. London can quite often fall into this category, while Paris isn’t far behind either.

However, there are some destinations which appeal to tourists, but aren’t overpriced. Belfast can be included here, and with hotels in the area being really good valuable it is places like this which should be worth considering.  If you are looking to explore a city in  a tropical locale, a last minute all inclusive vacation is sure to save you money.
(more…)

Best Places To Take Paid Online Surveys

This is a fact that having more money makes you feel more secure. You will also sleep better at night. But sometimes, employers hate giving raises, or maybe overtime at work has become scarce. If this is the case, then you need to look for unorthodox ways to earn money in your spare time. And one of the best ways to earn money is through paid online surveys. Taking paid online surveys is totally free. It is easy as well as completely flexible. You can take these surveys at any time and anywhere with your computer, tablet or mobile phone. Believe me, if you enjoy doing the crosswords or puzzles, then taking such kind of surveys could be a form of entertainment for you. Probably the reason why you have landed on this page is because you are looking for the best places to take paid online surveys. Believe me, you are reading the right article. Nowadays, there are various sites that are offering paid online surveys for money. That is why this article tends to highlight a brief review of some legitimate paid survey sites. For more in-depth details of these best places, read on.

1- Survey Junkie

Survey Junkie hits the top position in the list of the best places to take paid online surveys. This platform is quite straightforward as it tells you that you will not get rich instantly from taking paid surveys for money. We all know this fact, but people say that it is quite refreshing to see some transparency!
(more…)

Learning to Loan – 3 Things to Consider Before Taking on a Travel Loan

travel overseas

Honeymoon travel planning

As numerous travel loan financing companies have been cropping up in response to consumer demand, obtaining funds to travel has become more accessible to people of all ages and financial backgrounds. A simplified application process combined with relaxed loan terms make it possible to travel anywhere at a moment’s notice. However, while travel has become more accessible, consumers should still be cautious of the various traps that result from taking out these types of loans.

Latitude Finance are travel loan providers who service loans all throughout Australia. As one of the more popular online institutions, it is a good example of an outfit that provides clear, concise information to consumers seeking financing for travel. In seeking out other loan providers though, travellers looking to finance a trip should keep a few other factors in mind while applying.

Let’s take a look at some of the things you need to consider when taking out a travel loan.

Financing Alternatives

Travel loans, while functioning a little differently, are still loans that have to be paid back. For this reason, it’s best to consider other less expensive options to taking out a loan. If you have enough time before travelling, consider saving a good portion of the money and then taking a loan out on the balance.

Another alternative to taking out a travel loan is to use the low-interest or no-interest balance transfer option on your credit card to finance the trip. To avoid paying interest, pay the balance off before the new interest rate kicks in. Ultimately, you want to finance your trip for as little as possible, and every time you take on a debt, you’re charged on any balance on the debt, which in the grand scheme of your financial life, might not be all that advantageous.
(more…)

How Fintech is Creating Financially Stable Families

In today’s economy, many families struggle to make ends meet. Paychecks go just far enough to meet expenses, leaving little cushion for events that can break a budget, such as an expensive car- or home repair or loss of income. In fact, according to a survey by JP Morgan Chase Institute of one million Chase customers, 50 percent experienced a monthly income swing of 30 percent or more between 2012 and 2015. For lower income Chase customers, the percentage rose to 50.

Living on tight margins increases stress levels. Worry can become constant when even a minor upset can cause a family to fall behind on essential bills. Often, families resort to credit cards and payday loans, which can make their stresses even more acute in the longer term. Debt is the opposite of what families struggling to make ends meet need. Savings provide the key to relieving financial instability. For the millions of families struggling with financial instability, Fintech has created exciting products that boost savings, reduce debt, and make managing household bills easier.

Even

Even is a three-year-old app that assists customers with fluctuating incomes. Even calculates the family’s average monthly income over past paychecks and advances the difference when paychecks are low. It then collects the advances when higher paychecks arrive. For workers paid on commission, freelancers, and employees dependent on tips, Even can be a lifesaver. Though freelancers, salespeople, and servers may take home huge paychecks, they also get skimpy ones when business slows. Often, savings are depleted and workers wind up with debt, overdraft fees, and late payment fees as a result. Even puts an end to that destructive cycle.
(more…)

5 Ways to Make Your Home More ‘Green’ and Save Money

The crazy weather and horrid hurricanes and storms plaguing the entire planet are more than enough proof of the climate change. Scientists have yet to determine whether we are past the point of no return. However, one thing is perfectly clear now and it’s that reducing the carbon footprint of your home is essential. It’s the contribution everyone can make into the fight for preserving our planet’s health. It’s also a wise way of saving a bit of money, as making your house more energy-efficient will cut down your bills. To make your home more ‘green’ you’ll need to replace some appliances with a solar installation companies and do some minor but effective changes to the décor.

5 Steps to an Energy-Efficient Home Everyone Can Afford

  1. Forget about your clothes dryer

There are energy-efficient variations of all important house appliances. You can check the Energy Star website to choose the best devices for your home. You’ll be able to find clothes driers there. However, the truth is that this particular appliance is never worth the energy it uses. Regardless of how little of it the device consumes.

A washing machine with a high RPM (rotation per minute) rate can ensure your clothes come out nearly dry. Therefore, unless you are living in a place where air-drying is a complete impossibility, using a dryer is always a waste of money as well as a major addition to the carbon footprint of your home. Note that it’s also not good for the majority of fabrics.

  1. (more…)