The Curious Mom

Travel planning can be overwhelming at times, especially if you’re about to fly overseas with your family. Lucky for you, you're not the first person facing the seemingly impossible task of getting all the details right in advance. Here's a solid compilation of stress-free travel preparation tips that work for almost all destinations with the exception of Antarctica.

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Buying a home is a very intense and demanding process. If it is the first time you’ve ever purchased a home, it can definitely be very overwhelming, confusing, and you will probably feel lost at some point during the process. There are many parts when it comes to purchasing a home, but today I want to focus on one aspect of it: the financial part. Today, I want to share with you a couple of tips that will help you learn how to become financially prepared for a home purchase. There are many things that first-time homeowners are not aware of, so this is very important to read and know before you consider buying your first home. Here are my tips:

Start Saving

Before you even think about the ins and outs of buying a home, you need to start saving your money. Nerd Wallet says, “Lenders like 20% down payments. That’s $60,000 on a $300,000 home. For one thing, you’ll probably procure a superior home loan financing cost. There is a wide range of different advantages as well:

Of course, there is one major, succulent admonition: The initial installment isn't the main forthright cash you need to manage. There are credit shutting expenses and sincere cash to consider too. Before the emotional music restores, we should investigate some drop initial installment choices.”

With the rise of do-it-yourself financial planning, more Filipinos can now take charge of their hard-earned money. But despite the growing information and advice on personal finance, many still lack an investing mindset. This means looking beyond traditional savings instruments to achieve future goals. In fact, Sun Life’s SOLAR (Study of Lifestyle and Relationships) reveals that only 38% of Filipinos are willing to take investment risks in order to earn more and that only 8% actually invest.  Furthermore, only 16% claim to have life insurance despite 88% of Filipinos worrying about their financial situation in case something happens to the breadwinner.

Clearly, many Filipinos still need guidance and advice on how to achieve lifetime financial security. A role that a Sun Life Financial Advisor can fulfill with their professionalism, a caring attitude, a winning mindset, and an inspired vision.

When you have a small child, it’s hard to imagine them all grown up, and going out there by themselves to face the world. There is a lot for them to learn, but although it seems like you have plenty of time, there’s no doubt it’s going to go quicker than you expect.

Before you know it, your baby grows into a toddler, and then goes to kindergarten. It won’t be long before they turn ten years old, go to high school, and perhaps - we all hope - into university. And that’s it - they are fully functioning adults who will forge their own way in life.

To really protect your child’s future, you need to think about finance. No one knows what the economic situation will be in 20 years time, but with proper planning and education, you can give your little one what they need to survive - and thrive. Let’s take a look at how to go about protecting your child’s future.

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When you are the head of the family, working more than 8 hours a day just to meet the needs of the entire family is tiring.You have to be wise and be business minded to have an extra cash for emergencies.When you think of a business there's an also money involves we all know that.But hey! There's always a simple solution to any situations.

In every profession, Being recognized for your excellence is everyone's aim and as we all know nothing is easy in this world, You must work for it to earn that distinction.One of the professions that has a high competition in the marketplace in the most countries is the Lawyers.There are private organizations that can help members to stand out from others.Lawyers of Distinction is not a lawyer referral service, Has no political affiliations.What makes this organization unique is that they help you throughout the year in many forms of publications as well as traditional and online so that more reach to the potential clients.

Losing your job can be pretty scary at times. As a matter of fact, it can be downright terrifying in certain situations. You’re not sure how much time will past until you manage to get a new job and what’s worse, you may have to wait months to receive your unemployment insurance payments.

During this period, mishandling your credit cards can be easy. You may feel tempted to tap into a line of credit, in order to keep your old lifestyle. However, before you plunge into debt, you should take a break, and read these four credit card tips.

For starters, you need to make a daily budget. Once you’re done with it, you need to prioritize it. This means that first, you need to spend money on crucial things like food and bills and leave some of the less important “luxurious” things for later.

So if you have some funds left after you pay the bills you can afford to spend a few dollars here and there on certain luxuries. But make sure that you have enough money to access transportation because you’ll need it to go to job interviews.

Most families are still feeling the financial strain caused by an expensive end to 2017. This is why there’s never been a better time to start building a better financial future. While long-term ambitions like working your way towards a job promotion are great, instant rewards should be top of the agenda.

 

Here are five beautiful simple and practical ways of gaining noticeable rewards in no time.

Source: Pixabay

 

#1. Sell Some Stuff

 All families are guilty of needlessly hoarding items that they’ll never use again, and now is the time to change it. Studies show that the average household has a few thousand pounds tied up in those goods. Whether you decide to sell camera equipment or get rid of old sports memorabilia doesn’t matter. It may be a one-off answer to increase your bank balance, but there’s no doubt that the impacts can be huge. Best of all, you’ll create more space around the home too.