Archive for May 2017

7 Fun and Free Summer Activities for the Whole Family

7 Fun and Free Summer Activities for the Whole Family

7 Fun and Free Summer Activities for the Whole FamilyLooking to have some fun this summer? You aren?t alone ? most people wait all year for summer to arrive so they can get outside and enjoy recreation with family and friends.

Unfortunately, that fun doesn?t always come free, as there are frequently costs associated with summer activities. So how do you make sure that your family doesn?t go broke while trying to enjoy the summer? Free summer activities are a great place to start. The list below includes seven ideas for free and enjoyable summer activities.

Take a Hike

Most kids love the outdoors, and fresh air is good for adults as well. Look for hiking trails in your area which are free to use and pack up the family for a fun day outside. You may need to purchase a few supplies before getting started ? such as a backpack and appropriate shoes ? but you can use those items over and over again.

Camping ? in the Yard

If your kids can?t wait to get out for a camping trip, consider pitching a tent in the backyard for a stay-home night outdoors. As long as you have a suitable yard in a quiet neighborhood, this can be great fun without costing you a single penny.

Free Museum Days

When the weather turns sour, you may need to find something to do indoors. Check around with your local museums to find out if and when they offer free admission days. Or, at the very least, find ones which are affordable and offer free entry to kids.

Local Parks

The parks system offered by your city or county is a great way to get outside during the summer months. You should be able to find a list of parks and amenities on the website of each local municipality. Kids are great at being creative, so you should be able to have fun even if the park is little more than some open space.

City Events

Many cities put on events during the summer months, such as outdoor movies or festivals based around a specific local theme. Check the calendar for events in your area and consider getting involved. Whether you decide to volunteer or just attend when the event takes place, your family could use this time to have fun without dipping into the budget in any significant way.

Play Sports

Adults and kids alike can get into the fun of playing sports, especially when those sports are free of charge. As long as you have a park nearby, you should be able to find places to play soccer, baseball, basketball, and more.

Have Fun Around the House

Most people today lead busy lifestyles which offer very little in the way of downtime. When you do get some time to just spend with your family, don?t feel compelled to go out and do something ? consider just staying home. You will be surprised at how many things you can find to do at home, including watching movies, playing in the yard, cooking together, and more.

There are lots of ways for the whole family to have fun this summer. If you find yourself with spare time, give one of these free summer activities a try.

 

What are your favorite free summer activities? What do you do for fun with your family?

 

Photo courtesy: rudyanderson

Will Debt Consolidation Help You Become Debt Free?

Will Debt Consolidation Help You Become Debt Free?

Will Debt Consolidation Help You Become Debt Free?To consolidate or not to consolidate your debt? That is the question. Actually, the real question is will debt consolidation help you become debt free?

It can be tempting to consider debt consolidation, especially when one accumulates a large amount of debt from several different sources. They might start thinking about consolidating their debt from several credit cards down to only one with a balance transfer, or they might think about taking out a personal loan to consolidate credit cards and other forms of debt.

Debt consolidation can be successful, but it takes a lot of discipline to pay off that debt, not use your cards and refrain from getting new ones. So, should you do it or not? Let?s take a look at some of the arguments for both and against debt consolidation.

Why You Should Consolidate Debt

As mentioned, debt consolidation only works if you are dedicated to an overall debt reduction strategy. If you are willing to make the necessary sacrifices and be disciplined, debt consolidation is a great method to add to your debt-free strategy. Then again, if you are nearly debt free already, it may not be worth the hassle to consolidate your debt.

Here are some of the pros of consolidating your debt.

Lower Interest Rates

When putting all of your debt into one loan or credit card versus several you usually get a lower interest rate. A lower interest rate can help you to pay off your debt?quicker as more of your money will go toward the principle instead of interest. Lenders like Avant, Lending Club and LightStream can all lower your rate by half, or more, and help you kill the debt quicker.

Lower Monthly Payments

Debt consolidation?can also result in a lower overall monthly payment too versus making minimum payments on several debt balances. Lumping all of your debt together and making only one monthly payment can also help you with paperwork and budgeting as you are less likely to let something slip through the cracks since you only have one loan and payment to keep track of and remember.

How Should You Consolidate?

There are several different ways you can consolidate your debt. You could choose to do a balance transfer to a credit card with a 0% or low APR. Or you could try to take out a home equity loan, personal loan, or some other type of loan. Remember, when you consolidate your debt, you still have to pay it all back. So, don’t go and start swiping?your credit cards again after you’ve consolidated.

Why You Shouldn’t Consolidate Debt

If you aren’t really dedicated to getting out of debt once and for all, it may not be a good idea to consolidate your debt. Here’s why.

Could End Up in?More Debt

Some people who consolidate their loans actually?end up with more debt. Their mindset can drive them further into debt as they continue to spend what they don?t have. They may feel like their debt is “not so bad” once it’s all consolidated onto one credit card.

Could Lose Your?Assets

If you use a home equity loan to consolidate your?debt and then default on that loan, you can lose your house. Being homeless with a mountain of debt does not help anyone with their debt reduction plan.

Another mistake you could make is taking out a 401(k) loan to pay off debt. This is never a good idea. You’ll have to pay hefty fees and taxes to take out a loan, and your money won’t be earning interest while you’re using it consolidate debt.

You have to be willing to chop up those cards, change your spending habits and be dedicated to paying off debt no matter if you consolidate debt or not. Without this drive, becoming debt free will only be a fantasy, even if you do consolidate your debt. If you are considering debt consolidation, make sure you’ve considered the pros and cons carefully.

 

Have you ever considered debt consolidation? If you’ve tried it, did it work for you?

 

Photo courtesy of: icb

Glamour for Your Home on a Budget

Glamour for Your Home on a Budget

Glamour for Your Home on a BudgetWhen it comes to taking pride in your living space, you may want to mimic some of the looks you find in a glamorous home.

Being able to live in a space that is full of luxury would be nice, but may be challenging to afford. This makes it good to know about what’s in some of the more glamorous?homes so you can recreate these ideas on a budget.

Studies show that the majority of homeowners will spend?$1,800 – $9,367?on an interior designer. Here are some styles you can recreate for a lot less.

Hollywood Glamour

Have you ever noticed just how amazingly beautiful some of the Hollywood-style glamour homes are? If you have ever looked at any Beverly hills real estate, you may be taken aback by the some of the luxurious homes in this area.

Many of these have a theme straight out of the 1920s and 30s when glamour truly began to shine in this area. Some of the things you may find in a home of this type include photos of the major film stars during this era, and these may be in black and white to add a more polished touch.

The furnishings are sure to have a unique antique look and help create the appeal popular of this time period. However, it?s still possible to have this look even if you?re on a budget when you simply know where to look and what to do. Try visiting some?thrift shops in your area to look for some real bargains that can enable you to make your home look glamorous while on a budget.

A Touch of the 1940s

Another idea to consider if you?re entertaining the thought of redecorating your living space on a budget is aiming for the look of the 1940s. This is a home that is full of class and elegance that was a staple?of this decade.

One of the things you may wish to recreate when it comes to a home of this type includes a bedroom that offers frilly colors and lacey items. Think Elizabeth Taylor and a vanity full of luxurious makeup and skincare items while loaded with satin pillows and bedding that are just begging to be used.

Other things you might want to include in your space is the use of ruffles and roses wherever possible. This was a feminine time, and you may want to work to make your home look a bit more girly…if you can get permission from the men that live in it.

Timeless Glamour

One thing you may see a great deal in homes that are known for being glamorous are some of the same things that all of these have in common. Regardless if you?re looking at a new model or one that replicates the older decades, you want to luxury.

Look for metallic and understated designs. The combination of these two things can be the epitome of luxury. When you use a lot of metallic items, they give off a mirrored look, and this is an ideal way for your space to look more glamorous.

Another thing you will often find in a glamorous home is soft lighting. This is one of the least expensive things to recreate, and you can even use candles to achieve this look in your home.

You can find a lot of great tips that you can use in your own home by looking at some of the more glamorous styles. The good news for you is that when you shop around, it?s possible to pay much less than these homeowners did. This is extremely useful when you?re trying to stick to your budget and don?t want to invest money that you don?t have. Take the time to do your research, and you?re sure to come out ahead on the d?cor for your luxurious home!

 

Photo courtesy of: Unsplash

4 Easy Ways to Pay Off Debt Faster

4 Easy Ways to Pay Off Debt Faster

4 Easy Ways to Pay Off Debt FasterNo one likes debt. If you are in debt, you probably spend a lot of time thinking ? and worrying ? about how to pay off debt faster. Not only will carrying debt cost you money in the way of interest charges, you will also have a lower credit rating due to your debt load. Ditching this debt is going to be good for your financial future all the way around.

While there is no ?magic wand? which can eliminate your financial obligations, there are a few things you can do in order to pay off debt faster?than you may have thought possible. Consider the advice provided in the four points below to get your financial life out of the hole and back on track.

1. Prioritize the Highest Interest Rates

This is a relatively obvious point, but it is one which is missed by many who are in debt. When making your payments each money, try to apply extra money to the accounts which carry the highest rates of interest. Wiping out these accounts first is going to save you money in both the short and long term. Of course, you never want to miss any debt payments, so don?t pay extra on one account if that means you can?t make your payments on other accounts.

2. Pick Up a Part-Time Job

There is nothing like extra income to help you pay off debt as fast as possible. If you have the time available in your schedule, consider picking up an extra job with the specific purpose of making extra debt payments. You might be surprised to find how quickly this strategy can pay off if you are diligent about applying your extra paycheck to your debts.

3. Cut Out Two Bills

Take a look at your recurring bills each month and try to spot two which you could do without. Many people have subscriptions to various services that they don?t really use enough to justify the expense. If you can cut just two bills out of your budget ? and then apply that money to your debts ? you will be able to cut into your debt in short order. You might have to be a little creative to find the two bills you are going to get rid of, but it can be done in most cases.

4. Eat at Home

This is a classic money saving technique, and you have probably heard this tip before in some fashion. It is worth repeating, however, because it can have such a profound impact on your family budget. When you go out to eat, you will usually spend twice as much as you would have at the grocery store for a similar meal. Yes, you have to cook the food yourself when you go to the grocery store, but the savings are worth it. Also, as an added bonus, home cooked food is often healthier than what you will get at a restaurant. Saving money by eating at home can make a big difference when looking for funds to pay off debt faster.

Remember, debt is not forever. Doing just a couple of these simple things can help you pay off debt faster so you can enjoy life debt-free.

 

Have you done any of these to pay off debt faster? How are you paying off debt?

 

Photo courtesy of: terimakasih0

Review Of Andrew Argue Training Sessions

Review Of Andrew Argue Training Sessions

Review Of Andrew Argue Training SessionsIf you?re an accountant, CPA or looking to start your own accounting firm or practice, then you no doubt want to build your business and your client list. This is the key to growing your business and being successful. However, you might be wondering how to go about doing it, especially if you have limited experience in finding and retaining new clients.

Nonetheless, if you can?t grow your customer list and retain your current clients, then you are doomed to stay at your current level. At your current level, you won’t be able to earn more money and get ahead financially.

With only hope as your guide to making anything more substantial happen you need to seek professional. That?s where Andrew Argue comes in to help grow your business and help to retain your clients for years to come. With his training, you can boost your sales and increase your profit margin substantially within a relatively short period. But how does it all work? Is it legit? Check out our Andrew Argue review to find out.

What Is Involved in the Training?

For most accounting firms, their primary focus is on delivering high-quality service to their clients and providing exceptional results and accurate numbers. While this attitude is crucial to ensuring that you maintain a high level of satisfaction among your customers, it doesn?t do a whole lot to increasing your sales as you are simply relying on word of mouth.

With Andrew?s training, you will learn how to focus instead on selling yourself and your business, so as to build your profits and grow your company. This is usually where accountants falter, and so that is where Andrew?s focus comes into play. When looking at reviews of Andrew Argue?s training, it?s easy to see that the results are remarkable. With Andre Argue?s training he will teach you how to grow your accounting business and retain life long clients.

What are Customers Saying?

Sure, you could take our word for it, but why not let already satisfied clients speak about the program? Not only can you find Andrew Argue YouTube reviews, but he posts them on his website directly. There are many reviews about Andrew Argue and his success with small CPA firms. You can hear from accountants talking about how they increased their businesses substantially, all thanks to the training they received. From his LinkedIn to any and all of his social media account, there are many reviews of his work. Andrew Argue has even been publish in many top financial publications and on many accounting related websites.

So, if you?re interested in boosting your own profile and getting more clientele, and retaining clients for years to come. What are you waiting for? Sign up today on Andrew Argue?s website and watch his introduction video and become another success story. You’ll be glad you did when your business grows beyond your wildest dreams.

 

Have you ever bought training to help your business grow? Did it help?

 

Photo courtesy of: ignatsevichserg