Taking your family on vacation takes a lot of planning and may be hard on your budget. However, by planning to go in the off-season and figuring out the cheapest mode of transport, you can plan a trip that’s both fun and frugal.
Time It Carefully
A trip to a national park can be both fun and thrifty, but you’ll need to schedule it carefully to avoid sharing your vacation time with everyone else’s vacation times. Additionally, many people want to avoid weather extremes. For example, a trip to Yellowstone may be private in the winter months, but you will be facing snow and hazardous driving conditions. If you need to travel when the kids are out of school, you’ll find lower rates on rental spaces if you avoid summer holidays such as July 4th.
How will you get to your destination? Renting a car or van is a thrifty way to travel with many kids, but not all rentals are family friendly. Some rental companies, such as RV rental companies, won’t rent to you if you’re under 25 years old. When setting up your budget for travel and affordable family fun, be sure to check any age restrictions to get your rental vehicle scheduled. If you’re young there will be a surcharge to rent a vehicle, while or you may not be able to rent at all depending on the state.
Put Your Club Memberships to Work
If you’ve got a Costco or Sam’s Club card, you can get competitive car rental quotes from either of these entities while saving money on bulk purchases. If you want to fly, check out credit cards from Delta and American Airlines. If you have a large purchase to make with money in the bank, you can capitalize on bonus credit card miles, pay off the card and use the miles. Be sure to study the fine print on miles blackouts or limitations. Some mile bonus plans only require a one-way trip, so if you want to rent a car when you reach your destination for a return trip, you can get the best of both worlds.
Family travel is always memorable and a great way to spend both quantity and quality time with your family. Can you invite another adult along on your family trip to help defray costs and control kids? Having another adult on board gives you another driver as well as more company.
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While you may not like the concept of owing money to a lender, a loan may be the only way to pay for school, buy a house, or repair your car. However, there are many strategies that can help you keep your borrowing costs and loan terms to a minimum. Let’s consider a few of them.
Don’t Be Afraid to Shop Around
There are numerous financial institutions that offer auto, home, or other types of loans. Quicken Loans says it is a good idea to talk to multiple lenders before agreeing to borrow money from anyone. Doing so can help you learn about the different loan products that are available, which ones could best meet your needs, and how to repay the loan balance in a timely manner.
Know Your Worth
The thought of making loan payments for months or years at a time is a common fear among those looking to borrow money. However, you are more likely to get the best possible terms by understanding what lenders look at when making a loan decision. According to Visible Equity, many environmental or qualitative factors can apply to individuals even under the new model of loan evaluation. These include credit information, the nature of financial assets, lending staff, general market conditions, and so much more.
You should review your credit score, income, and assets prior to filling out a loan application. Doing so can help you better understand how lenders see you and make it easier to find a product that best meets your needs and budget.
Consider Why You’re Borrowing Money
Before you start shopping for a loan, it is important to analyze precisely why you are borrowing the money. This can help you to determine which type of loan is best for you as well as whether you need to turn to a lender at all. For instance, LawDepot recommends funding the company with personal savings if you are planning on using the proceeds to start a business. It could also be possible to ask friends or family members to help repair a vehicle instead of taking out a loan to do so.
When you agree to take out a loan, it is your obligation to repay it or face serious negative consequences. Ultimately, borrowing money today could have an impact on your finances both now and in the future. Therefore, it is important to take your time looking for the right lender and loan product.
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Getting the right family insurance plan is often one of the most challenging things vehicle owners have to do. However, after all those hours emailing insurance companies and haggling over their rate, the job is still not done if you want to save as much money as possible. After you’ve obtained your preferred insurance, you can still do plenty to make sure that you’re not paying more than you need to for your policy. Check out these tips for saving money on your family’s car insurance.
Look for Discounts
Discounts are plentiful when it comes to your car insurance. There are even discounts for teens who maintain good grades throughout the year. According to The Zebra, one of the best ways to go about finding these hidden or unknown discounts is to simply ask your representative. More often than not, they will be more than happy to inform you of the various company and government discounts they offer. After all, they want to keep you on their plan rather than having you go shopping around with their competition.
Managing Teens on Your Plan
Families that are seeing their teenagers getting behind the wheel for the first time understand the serious implications of it. Not only will your insurance rates go through the roof, but your teenager is more likely to get into an accident than an adult. According to Groth Law, teens who text and drive increase their risk of an accident by as much as 23 times. This is why it is so important to educate your teen on the dangers of being distracted on the road and the monetary and criminal costs associated with it. Investing the time into making your teen the safest driver they can be will help to keep them safe and make your insurance rates as low as possible.
Install Safety Tech
Innovations in technology have provided car owners with the opportunity to lower their insurance rates. Often these additions to your car are relatively inexpensive or carry no re-occurring cost. The most common of these high-tech add-ons is the dashcam. According to Washington University, dashcam and tracking technology can provide insurance companies the peace of mind that they will have all the evidence they would need to either cover or deny your claim. Other features include speed recorders for teens. Having data readily available about how fast your teenager is driving also provides plenty of incentives for insurance companies and will often give you a lower rate for it.
Car insurance can be a hefty burden on a home’s budget, especially on a family. It is highly recommended that you adhere to the tips listed above to begin finding ways to lower your family’s car insurance costs.
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