I have loved booking different vacations and we have always used a travel agent because I was too afraid to ever even attempt to make plans on my own. Whenever I brag about our travel agent, I’m surprised to find a lot of people don’t take advantage of them! Booking flights, hotels and excursions can be easier than ever and you can do it on a budget. Instead of scouring the internet trying to get the absolute best deals around you can book your travel plans all in one place. Personally, I don’t know if I could book an affordable, amazing trip without a travel agent. That’s why I really wish I had known that there is easy access to a type of online travel agent. You can literally book flight, hotel and excursions all in one location!
Be honest – how often do you think about your financial future? It doesn’t matter whether you are in your teens, twenties, thirties or forties, there are still many years of work and earning potential ahead of you. And if you are like many people around the country, you probably think you will be OK by the time you retire. You might have a nice little 401(k) set up with your current employer, and perhaps a little bit of savings set aside for a rainy day. But is it enough?
We have been budgeting for about 5 years now and our first budget was really not great. We tried, we definitely thought we were doing our best but there was still so much we were missing out on. It’s no wonder we continued to struggle financially. Now that we have a good handle on our budgeting, it’s crazy to think about all those little things that would jump up and bite us in the butt (financially speaking) but we never took the time to change our budget for them. This is how it goes for a lot of people. After subtracting your bills, you think you’re all done budgeting. In reality, you have only spoken for a portion of your total budget. After sitting down to budget, if you don’t find yourself with a balance of $0 then you’ve missed something. Every single cent should have a place. It’s like doing the laundry, you don’t just put away your work clothes, the important ones, and just leave the rest in a pile on your floor and call it a day. Well, maybe you do; but you should definitely not do this with your money! So what are some things you might not be budgeting for, but you should?
Have you checked your credit score recently only to be disappointed with the figure that is staring back at you? Perhaps you know why your credit score is bad; you went through some financial troubles and now you want to build your credit rating back to good health? Or, maybe you are shocked your score isn’t better? There could be a number of reasons why your score isn’t great – it could be that you have no credit history at all, or that you are using all of your available credit (even if this is just a couple hundred of pounds). No matter what applies, you can improve your credit score, and here’s how…
Millennials are done being called reckless spenders. See how they are killing their debts and starting to live life debt free.
I am a ‘millennial’!~
But I really wonder, if there’s anything special about this word!
Life has turned its back on me. All the big fuss, style statement, fashion, being so punk, rock and roll evenings, all just faded away, the day I realized I am drowning in debts.
<This realization was something huge, it made me silent and forced me to regret.
After a couple of days of fighting with myself, I had a talk with a few of my university buddies. Guess what? They are also dealing with the same problems. I learnt that student loan is probably the second major debt after credit cards, we all millennials are facing!
But we Millennials are seriously done with debts, and we have already started taking measures to fight those devilish amounts.
In this post I will be discussing the several ways millennials are paying off debts, and if you are a millennial yourself, then welcome to our party of ‘debt fighters’ (That’s what we are calling ourselves lately, fancy eh?).
When me and my friends sat down with our debt amounts 6 months ago, we devised suitable plans to kill our debts one by one.
For the majority of my life I had a negative mindset about money, making money and saving money. But I had no idea how to change it or that it was even wrong. I wanted money, that’s for sure. Money was the cause of most of my stress, but I just couldn’t seem to get a handle on it. I know I wasn’t alone. In fact, America has hit an all time high in credit card debt; around 1 trillion dollars of debt to be exact. How can something we think about so often, something we want so badly have this negative affect on us? The truth is, like most workings of our mind, we just have to change the way we think about it. Finally, I feel like I’m at point where I finally have a healthy money mindset and it is not at all what I imagined it to be. There are steps and understandings I had to take to finally get a grip on my out of control money habits. So let’s talk about creating a healthy money mindset.