Cheap Travel Tips

Thinking of taking a trip for the holiday season? There are some simple ways to keep your Travel costs that can have your whole family on the road for very little more than what you would pay to just live every day. Some of the deals that you can find online nowadays are quite amazing especially if they happen to be offered by the big attractions like Niagara Falls, Disney World or similar. Very often you can find the hotels and motels that include enter ace to the attractions as part of the cost.

For instance, did you know that all of those credit cards in your wallet more than likely come with points of some sort that you can put towards Travel by air or towards expenses such as gasoline? Many people simply use their credit cards without really checking out what perks they might have to offer when it comes to Travel. If you can't find information about this online then simply call the credit card company and ask what kind of perks you are entitled to as a traveler. Some people can even get an entire trip paid for using this method.

Another good thing to do is check out online holiday auction sites. These are budget airline seats that have been bought in batches and are available for a very cheap rate. You can also get food and accommodation packages that go with these flights sometimes that are absurdly cheap.

It is also a good idea to go to vacation sites or the city sites of the places you are thinking of visiting and just simply look for free coupons. You can get coupon discounts for everything from hotels to food and entertainment. This is a good way to afford staying in a five star hotel or to eat in a fancy restaurant when you thought you could only afford to stay in a three star hotel or eat at MacDonald's. It is absolutely amazing how much money you can save downloading these types of coupons and using them to help plan where you will stay and eat during your trip.

You can also surf around online and find really great deals for families. There are a lot of vacation destinations online that cater specifically to that!
Another tip is to try and go somewhere where you are on the top side of the exchange rate. Exchange rates can be very unpredictable. If you play your cards right you can end up making extra money while you Travel!

Parenting Tips
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Credit Cards Can Be Evil

It is common knowledge that over the last few years, almost anyone could obtain a credit card, which is one of the reasons why so many millions of people are up to or even over the top of their head in debt. I am raising my kids on credit and it is really costing me!

This is no secret, nor is it a secret that many people are struggling to keep up with their credit card payments just to maintain a steady income.
As suggested, there are things that you can do to reduce your credit card burden, one of which is to pay off your credit card accounts from your mortgage. If you are in the fortunate position of being to do this, the first thing you should do immediately afterwards is to get rid of the freaking credit card that got you into this mess in the first place.

We’re not talking anything complex here.Do what I did! Take the biggest pair of scissors you can find and cut all of your credit card into the tiniest pieces. Start going without and paying in cash only and you are never going to go far wrong.

I have already mentioned that obtaining credit cards over the past few years has become incredibly easy. It is undoubtedly true that one of the reasons so many families have got into credit card debt to such a tragic extent is that most people were not satisfied with just one card.

Individuals with no previously proven financial track record, people who previously would have found it difficult to obtain even a store card, never mind a fully fledged credit card were inundated with offers of one card here, another card there and all too often, they took all of these offers up. I had terrible credit and still got credit at really high interest rates.

While the situation is to get rid of all your credit cards if at all possible, it may simply be impractical to do so, meaning that you have to look at the most efficient way of dealing with the credit cards that you retain either by choice or because of a lack of choice.

If you cannot add your credit card debt to your mortgage, an alternative is to consider is switching to a credit card lender who is offering a 0% interest rate on any credit card balance transferred to them. However, when you do so, there are a variety of potential pitfalls which you must keep your eyes open for.

Firstly, 0% interest rates are unlikely to last forever. Make sure that you understand what the interest rate is going to be like once this special introductory discount offer expires. Work out how much it is going to cost you once the ‘real’ interest rate kicks in, and how well this figure compares with what you would pay with your current card providers.

One final thing to be careful of is the fact that if you use the credit card which you obtained with the specific intention of transferring the balance to it, any additional purchases will be charged interest.

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