Month: August 2017

Debt Management – How To Get Out Of Debt Fast

Debt Management Tips

A debt ridden life is something everyone needs to avoid. While we cannot rule out some debt in our lives due to living expenses, there are things we need to do in order to ensure we do not fall into an endless pit of paying debt and then incurring more in return. If you find yourself in deep debt here are some things you can do to get out of it fast.

Know Thyself

The first step to get out of debt quickly is to know how and why you got into debt in the 1st place according to the experts at Consumer Credit of MN. Try to list all your expenses from the past 3 months or so, focus  on the last month and then compare the amount with the money you make as income.  Ask yourself if the spending is mostly items that are vanity items or things you can live without or are they more for emergencies like home or car repairs.  By knowing how you spend and where you spend it you will have a good idea how you put yourself in the hole that you’re currently in.

Create a Budget

The objective of having a budget is to give your money purpose and direction. The budget needs to set goals and limits on spending. Items that are considered priority are: rent, utilities, groceries and transportation. Items on low priority are: entertainment, eating out, clothes etc.

Ways to Lower Debt

While you may not immediately get all of your debt out, you can lower it overtime to an achievable objective.  Here are some suggestions you can take to the bank.

Refinancing

The process allows you to keep monthly payments low. For instance, refinancing your mortgage to a lower rate so that you can reduce your monthly payments. If you have a student loan or a car loan, there are a lot of lenders willing to reduce the rate as long as you have a credible payment history.

Debt Consolidation

Debt consolidation allows you to put all your loans into one so that you do not have to pay several lenders, you only have to pay one. This means better chances of paying on time. Plus you can often reduce the amount of interest you are paying allowing you to pay down your debt quicker.

Renegotiate Terms

Credit card companies are more likely to provide you with a better payment plan as opposed to you not being able to pay anything at all.  Contrary to popular belief they are more flexible than others. All you need to do is call up customer service and request to have your rates lowered. A recent survey result showed that over 50% of people that requested for a rate-reduction , got on average a savings more than 30 percent.…

Travel Coupons – 5 Top Merchants That Offer Deals

Travel Coupons for Marriott Vegas

Traveling can be stressful. There is much to plan and pay for when traveling and it can make the idea of traveling less appealing to some. After all most people travel to relax and don’t want that extra stress of worrying about cost. Lucky there are many hospitality businesses out there that offer travel deals to help you save when you travel. These article is all about the top 5 merchants out there with these traveling deals.  

Marriott Hotels

The Marriott Hotels are a well known chain hotel chain across the World who strive to bring you the best rooms at an affordable price. Perhaps the most well known thing about the Marriott Hotels are their fantastic guest service which everyone looks for in the hotel they are planning to stay at. Another great thing about the Marriott Hotels is that they are quite common among the major cities and some of the not so popular ones. When it’s time to travel and you are looking for a hotel chances are there is a Marriott where you are going.  

Now that you know the perks of choosing a Marriott Hotel you probably want to know how you can save at one. Marriott Hotels provide plenty of opportunities for you to do so with numerous deals on hotel rooms and their Marriott’s Reward Program. An example of a current deal given by Marriott Hotels is 20% off a Courtyard Marriott when you book in advance online.

Hilton Hotels

The Marriott Hotels aren’t the only ones out there with great deals to help you save as you travel. The Hilton Hotels are also well known for helping people get a good hotel room or rooms for a reasonable price. The Hilton Hotels are also known for being well decorated and beautiful rooms with great service. Like the Marriott Hotels, you can save at the Hilton by joining their rewards program, called Hilton Honors, and by using their personal deals. One of those deals currently active is a 50% off Sunday nights at the Hilton but only in the Americas and the Caribbean.

Travelocity

Travelocity can help you with anything you could possible need for travel including flights, hotels, car rentals, things to do in the place you travel to, and even cruises. Travelocity is a great site to use if you don’t know where to start when planning your trip. They can help you find vacation packages or travel deals for wherever you plan on traveling to. All you have to do is tell Travelocity where you plan on traveling to, how many people are going, and what accommodations you will be needing such as a car or hotel. Some of the ways Travelocity helps you save is by searching for the best deals, matching lower prices found, and charging no fees for cancellations. There are also many coupons for Travelocity including on for $10 off a $100 book and many other like that.

Hertz

If you need a rental car for your travels and are looking for a sizable saving check out Hertz. This car rental company has great reviews and discounts that won’t disappoint you. Plus they have locations all around the World for wherever you travel to. Hertz has proven itself as a reliable company for your traveling needs and with the discounts it makes Hertz the best choice for you. These discounts include 10% off your base rate of your weekly car rental and 15% off your weekend.

Sandals

If you are like me and you dream of that perfect beach vacation than you must take a look at Sandals for your next vacation. Sandals is a beach resort company with resorts in Jamaica, Bahamas, Barbados, Saint Lucia, Grenada, and Antigua. Many people go to the Sandal Resorts for their wedding and honeymoons as well was their vacations because of how beautiful they are. Plus Sandal Resorts offer amazing deals that make it that much easier to take the vacation of your dreams. They have many deals that give you free nights and discounts up to 65% off.

Conclusion

Never let cost prevent you from taking a vacation to help you relax or traveling to a destination. If you search the right websites and compare deals and discounts you can save hundreds when traveling to your destination. These are just a few sites with great traveling deals, there are many more out there. So next time you travel look for discounts and travel without worry about money.