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Greetings,
With Summer here now, alot of us is busy going on vacations or other family actvities, working in our yards, and having BBQ's. This is a great time to sit and relax outside with your favorite beverage, and read the newsletter, and keep updated with business finances.
This newletter I will give you some hints on vacations, and also the opportunity to join a networking group where I post articles about business and personal monetary issues and also how to become wealthy.
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| Plan a debt-free vacation |
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Think it's impossible to plan a fun vacation without going into debt? Then, think again. With a bit of planning, you can enjoy a well-deserved break without breaking out the credit card. Here's how:
1. Figure out what you can afford to spend.
If you're going to pay for a trip out-of-pocket, you've got to know what you have to spend. Crunch some numbers to determine just how much you have to devote to your vacation. Don't worry if the number is small or even non-existent-creativity can make up the difference.
2. Form a realistic plan.
Once you have a budget for your vacation, use it to determine what you can afford to do, instead of what you would like to do. Only have $100 to devote to your trip? Then, a cruise probably isn't an option, but lots of other things might be. For example, you could make plans to visit a relative, arrange for a series of day trips or even vacation at-home. If you're not sure what kind of trip your budget will buy, spend some time looking at travel deals online.
3. Make all of the arrangements.
After you've determined your destination, it's time to put your bargain-hunting skills to work. Challenge yourself to find the best deal on lodging, food and everything in between. For lots of money-saving ideas, consider these sources:
Affordable Vacations
Take Your Thriftiness on the Road
Ways to Save on Souvenirs
4. Crunch those numbers again.
Jot down all of the known expenses for your trip (hotel, attraction admission, parking, etc.), and estimate the expenses that you don't know (gas, food, souvenirs, etc.). Then, compare this number to the amount that you've budgeted for your trip? Do you plans fall within your budget? If not, go back and rework your plans until they do.
5. Build in a cushion.
Vacations have a way of costing more than you'd expect, so it's important to build a bit of wiggle room into your budget. If you can plan a trip that falls below your budgeted amount, you'll have the money that you need to cover those overages with ease. Just what sort of things do you need to budget for? Car repairs, higher than expected food and souvenir costs and rising gas prices are just a few to consider.
Remember: The goal is to plan a debt-free trip, so you need to plan for the worst-case scenario, not the best-case scenario.
6. Go out and have some fun.
Know what the best part of a debt-free vacation is? Not having to worry about how you're going to pay for it. Plan your vacation carefully, and then go off and enjoy it guilt-free!
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| Just the facts. A little bit of the way we think. |
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What best describes your attitude toward money?
For 60 percent of us, it's security and independence. Thirty-seven percent consider it a tool to accomplish some of life's goals. Two percent equate it with power, while almost 1 percent associate having it with happiness.
If your money could talk to you, what would it say?
"We have fun together, but you don't respect me." That's the message that 46 percent of us think our dollars would send us, irked that we treat them so cavalierly. Sixteen percent expect bills would whine about being squeezed to tightly to breathe. And 38 percent think their money would boast about being the one in charge.
Which do you think about more: sex or money?
Almost half of us (47 percent) think more about the almighty dollar than their almighty lover; while 17 percent say they think more about sex. For the rest it's pretty much a draw. Men (big surprise here) are likelier than women to think more about sex- or claim to.
Is money the biggest factor in chalking up professional success?
Only 19 percent of us admit that money is the big kahuna. The rest attribute success to other factors such as character and ambition.
How big a stress is molar in your life?
It's the biggest: right up there with job and career pressure for 22 percent of us. Close on those heels as stress generators are time pressures (19 percent) and (gasp!) family life (18 percent). Their love life or the absence of it is stressing out 8 percent of Americans.
Where'd you learn what you know about money?
Seven out of ten people claim to be self-taught about money. Most (54 percent) say they learned how to manage it from friends and relatives. Less than half turn to financial professionals.
Do you have a budget?
Some 43 percent of us claim we stick to a monthly budget most or all of the time. An equal number haven't even established one.
Deep down, do you like rich people better than poor ones?
almost half (47.7 percent) of those queried insist that their feelings for someone are not based on money, but almost one-third - 29 percent are totally candid people and say that they probably do like wealthier folks better. A fourth plead the fifth, clamming up on this ever so politically incorrect assessment.
How fast does money flow through your hands?
Forty-four percent of folks say they shell it out almost as quickly as they make it, while 14 percent try to squirrel away as much money as they can. Forty-one percent try to balance the scale.
How much would it take to make a real difference in your life?
One-third of us say that an extra $100,000 in the bank would noticeably improve our lot. For 14 percent, it would take at least $500,000. An even $1 million would shake things up for 16 percent of us, and a 24 percent calculate it would take at least $10 million to change their lives significantly.
Need financial help? Who you gonna call?
Most people expect that if they're ever down and out they'd get tide me over money from family members (84 percent) or friends (69.8 percent). But just 43.3 percent of needy folks have actually gotten help from their families and 17.2 percent from friends.
How much do you usually carry around?
The average wallet contains $104 and change.
How about other change?
Each of us has, on average, between $30 and $50 worth of change in our coat pockets, piggy banks, and glass jars. That amounts to more than $7 billion in change sitting idle across the nation.
Should the U.S. mint stop making the penny?
More than half of us (53 percent) think pennies are a nuisance and want to give Lincoln a rest.
Should "In God We Trust" be on our coins?
Two-thirds of us 62.6 percent say it should, but 18 percent claim to be affronted by this fusion of church and state.
(Taken from "Are you normal about money?)
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Credit is Wealth |
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