Tips for Getting Out of Debt

If you feel weighed down by your debt, then you may have also felt like you are stuck in some kind of never-ending debt trap. The burden of debt, specifically credit card debt, won’t escape you without significant action. It’s important to note we aren’t offering any kind of financial advice, but rather, a few tips that may prove helpful for you.

The first step is realizing you are essentially stuck in a trap. If you keep making the minimum payments on you credit cards, you likely won’t make a ton of progress. In other words, it’s time to take action!

Create a Budget

It’s crucial that you create a budget and reevaluate your finances. Where is your money going each month? Where are you spending where you can be cutting back? This is, without a doubt, an essential first step of the process because it’ll set the foundation for everything that will follow. If you are on top of your finances, you can plan accordingly for the future.

Pay More than the Minimum

If you are paying the minimum amount that is due each month, it’s understandable. It’s easier said than done and it’s often difficult to pay more than you can afford. If you have budget properly, however, hopefully you have found some ways in which you can save some extra cash. If so, start thinking about paying more for your credit cards each month. If you pay a little more each month, you can be doing a lot of good down the road. In fact, you may have heard of the snowball method. This is when you find your smallest payoff balance and move it to the top of the list. If you pay this off completely, you will work your way down to the next smallest balance. It’s a trick that works quite well!

Combine Your Debt

It’s been shown that consolidating you debt can help you a great deal. In essence, if you combine several high interest balances into one with a lower rate, you will have an easier time of paying down your debt. In addition, keeping everything organized, and on one balance, may also prove more helpful rather than if everything was spread out over multiple credit cards.

Personal Loan

If you haven’t considered a personal loan, you may be interested in learning more. It’s a great way of consolidating your debt, but also a way of applying for a certain amount of cash and using that money in paying down your bills. OnlinePersonalLoans.com offers no-collateral personal loans within the range of $15,000. The application process is fast and easy and within minutes you can be on your way to get the cash that you need.

5 Best Websites To Kill Time

laptop-849800_640Many of us some spend aimlessly searching the web in search of finding entertainment. There are tons of websites and YouTube channels solely made to entertain a person and pass time.

Some websites can be totally pointless and not help you gain anything, other than laughs and enjoyment. I believe in taking breaks when I’ve been working nonstop for a long time, because it allows me to recuperate and get a short mental break.

1. StripGenerator.

This is most likely for a person who enjoys comics and creating their own comic strips. This website will allow you to look at other comic strips that have been made, in hopes of inspiring you to make your own. You can see the top posters and see which comic strips are the most liked. Are you ready to create your own comic strip?

2. People of Walmart.

This site isn’t for the faint of the heart, as is posts pictures of people from Walmart all around the world. If you get offended easily, definitely don’t take a look at this website. It can be quite humorous for some, as you get to see photos of people dressed in funky outfits or acting funny.

3. TED.

This website is more for educational purposes and allows you to see the different viewpoints of people. You can watch episodes related to nutrition, science, the world, and more. This site is definitely more on the productive side. You get to learn, while being entertained as most hosts are a bit on the funny side.

4. TheNicestPlaceOnTheInternet.

I am new to this site, but find it quite intriguing. It’s exactly what you would picture it to be-full of positivity and happiness. I just clicked on the website and the first thing you see is a man hugging the computer screen with a huge smile on his face. All you have to do is press the right button, and tons of other people will come up simply hugging their computer screen and smiling at you. I swear this isn’t as creepy as it sounds, it’s kind of fascinating actually! This is definitely a website to check out if you are in need of cheering up.

5. AwkwardFamilyPhotos.

This site has been around for quite some time, and even has its own board game. I’ve seen it before, and didn’t quite get it actually. The board game was full of awkward family photos that were not only uncomfortable to stare at, but also a bit creepy as well. No wonder why I saw this board game at the thrift store.

Have you used any of the above websites to kill time? What other websites would you recommend browsing on?

Tips To Save Money On the Slopes

active-15926_1280Heading for the slopes can be an expensive business and the cost of flights, equipment hire, travel insurance and accommodation is rising every year.

Here are some ways to cut the costs of a holiday in the snow and make it an affordable option for holiday makers with a limited budget, whilst even those who can afford to splash out will benefit from a few simple methods to save money while enjoying the mountains.

Travel

It might seem a no-brainer to go for a budget airline like Ryanair or EasyJet when you are booking up your flights. Once extras like baggage and ski carriage charges are added in, though, it can work out cheaper to take an all-inclusive flight from BA or Swiss Air. Taking the car is often an even cheaper option for families and gives you the chance to stock up at supermarkets if you are self-catering. Another money-saving travel choice is the overnight snow train from St Pancras, which will also give you added time on the slopes instead of using up a day travelling. Another great way to save on international travel costs, particularly if you live in the north of England, is to pick a Scottish ski resort.

Accommodation

If you aren’t part of a large group, getting together with another family to share a large self-catering apartment or chalet will make big savings, with lower ‘per bed’ costs. Pick accommodation on the outskirts of the resort, too, as a central location usually charges a premium. Extras like private hot tubs and swimming pools might sound nice but often end up under-used; if you really want luxuries like these, it’s far more cost-effective to choose a big resort which offers them as public facilities. Larger resorts will also give more choice of budget restaurants and bars, while smaller resorts often limit you to more exclusive, expensive eating and drinking options.

Lessons and lift passes 

If you are novice or beginner, choosing a destination known for world-class, challenging skiing is a waste of money and you will have just as much fun at a lesser-known, cheaper resort. These will also be quieter and far less intimidating than resorts that attract highly-skilled skiers. If you need lessons, always go for group lessons as these are much cheaper than private ones. If you are an intermediate skier, take advantage of the free introduction to the slopes given by the resort’s ski hosts, which is as useful as a paid-for lesson. People are often tempted to buy a six-day lift pass that covers a large area of several resorts. Save money by getting a cheaper one-resort lift pass, with a one-day extension if and when you want to ski at another resort.