The True Benefits Of Leasing Your Family Vehicle

Lots of families wonder if it’s better to lease or purchase their next vehicle. After the recent post claiming that owning a car is more expensive than most people imagine, it made sense to publish this as a follow-up. There is an info-graphic at the bottom of this page that should help to set the record straight if you still have concerns. The benefits of leasing include:

 

No need to stress about depreciation

If you buy a car, it loses value the moment you drive the vehicle away. When you lease an automobile, that depreciation doesn’t matter. You pay a flat rate every month and hand the car back when you’re finished. You can also swap and change cars at any time.

 

No need to worry about repairs

When you own a vehicle, you have to cover the cost of repairs. The same is not true if you opt for a leasing deal. The company you select will carry out all the repairs and any work the engine requires. So, you’re free to focus on living your life.

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Owning a Car Is More Expensive Than You Think

Owning a car isn’t always the best idea. Between the operating costs and maintenance charges, you can expect to pay several thousand per year just to run your vehicle, let alone pay the loan off to buy it in the first place. Unfortunately, many of us can’t live without vehicles because they offer us a lot of conveniences. If you feel like you need a vehicle soon, then here are some concerns that may affect your budget.

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Maintenance costs can vary

There’s no simple way to calculate maintenance fees. In fact, the best way to lower these costs is to actually learn how your vehicle works. This way, you can do simple car maintenance tasks without the need of a professional mechanic that will charge you a lot of money. Whether it’s replacing your air filter or changing out your battery, make sure you read up on simple DIY car maintenance if you want to save money.

 

Driving irresponsibly

The last thing people want is to end up with a DUI charge because they decided to drive home while intoxicated. Paying for an attorney to bail you out for your irresponsible driving can get expensive. It could be local attorneys such as Tillman Braniff or it could be a wide-reaching company with agents all over the world. It doesn’t matter who you hire to fight in your corner—it’s going to cost you a lot of money if you drive irresponsibly.

Another irresponsible thing to do when driving is to drive with flat tires. Not everyone understands the importance of tire pressure, but if you neglect this simple maintenance task then you’ll not only drive more slowly and be less fuel efficient, but you’ll also wear the tires down which could cost a lot to replace. In short, if you drive irresponsibly then prepare to pay extra just to keep yourself out of trouble. If you don’t think you’re a responsible driver, then don’t purchase a car until you are confident.

 

Buying used isn’t always best

Buying a used car is usually the preferred way to get a set of wheels. However, before you go out and purchase a vehicle, take a moment to consider these extra expenses that come with a used car:

 

 

  • Insurance – some companies will charge more for your insurance because older cars tend to have fewer safety features. In addition, the older a car is, the more you’ll typically pay for insurance due to the outdated features and worn-out parts.
  • Maintenance – a used car is going to require more maintenance than a new counterpart. And moving parts inside the vehicle are going to be worn and, if you’re unluckly, they will need replacing shortly after your purchase.
  • Fees – from merchant fees to extra costs that are added on by the dealership, don’t make the mistake of assuming the initial price is the final price. Always ask about hidden charges and read the fine print before signing a contract.

 

 

In short, buying a used car isn’t always the best option and you’d be better off buying new if it means less bother and time spent sorting it out, and more time spent actively using your vehicle.

Contemporary Creations with a Modern Family Home

Some families like to make their home fairly traditional. But others would much rather take a more modern approach to creating a family home. If you’re a modern family, your home should reflect that. A modern family home will often take everyone in the family into account, including both adults and children so there’s space for all. Kids don’t have to be hidden away in their rooms or in a playroom. And it can make use of the latest tech and modern interior trends too. If you want your family home to be more modern, you need to consider a few things to get it right.

 

Observe the Latest Trends

For a thoroughly modern family home, you should take a look at the latest trends to find the look for you. Take a look at some blogs and magazines or perhaps even get an interior design company involved to make sure you’re on trend. You don’t necessarily have to go ultra-modern with your design choices. Sometimes, you have to think about what’s going to look good in a few years’ time. It might look up-to-date now, but it could look passé in just a year or two. So you need to get a careful balance of modern and timeless if you don’t want to redecorate too soon.

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Make Your Home High-tech

The right technology is essential if you want to create a modern family home. With the right choices, you can have technology that’s fun for everyone. You might choose some things that are great for grown-ups, but they can work for the whole family. For example, you might choose to have a wireless sound system so you can listen to your music in any room. It would be excellent for the kids too, so they can listen and dance to their music when they want. The same goes for other cool tech, like smart TVs. But some technology could be useful just for you, like kitchen gadgets.

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Saving Money When You Have Kids

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Having a big family can make it feel impossible for you to save up money for anything. With shopping for food to feed the hoard, buying your kids new clothes when they get ripped outside, and treating your family to a cinema trip: there never seems to be any money left at the end of the month.

Luckily, there are a few genius ways that you can save up money for you and your family’s future.

Make Sure To Invest In Life Insurance

Not to sound too negative, but many of us don’t think about life insurance until it’s too late. The last thing you want is to leave your kids without any financial support as they adjust to life without you.


Watch TV Shows Being Recorded… For Free!

Instead of sitting at home every Saturday night watching whatever show is on the telly at the time, why not go and sit in the audience as the show is recorded? It will provide an amazing day out for you and the kids, and it won’t cost you any money!

Look Into Your Tax Options

If you have children, you could be eligible for what’s known as a child tax credit. This essentially means that you get regular pay outs from the government to support child care costs. Visit a lawyer firm such as Abajian Law and they will help you figure out what you could be entitled to.

Make The Most Of Free Days Out

If you want to spend quality time with your family but don’t want to pay extortionate amounts of money for theme parks or the cinema; there are plenty of different ways you can spend the day. Visit a local museum, many are free entry and you can spend a fun day with your kids as well as teach them about history and science. Art galleries are also free, you can let your children see some amazing pieces of artwork for free and inspire their creative side. Or if you are more of an outdoorsy kind, why not go on a hike? It doesn’t cost anything and you get to spend time in the sun enjoying nature.

Learn To Use Your Coupons

Whenever you visit a supermarket and do a large shop, you will most likely be landed with a few coupons. Now, although most of the time these coupons might be for things you would never purchase; sometimes you can utilise them for your next food shop. For example, what if you get a coupon for cheddar cheese? Instead of ignoring it, why not use the coupon to plan your next meals for the family. You could make a big batch of mac and cheese for the week, or maybe use it in a lasagne sauce. Planning your weekly food shop like this can save you a lot of money in the long run

Learn To Budget

Like above, make sure you don’t overspend on your food shop. Each week make a budget for your food and stick to it. It might mean sticking to one-pot meals for a few weeks, but it will save you money in the long run.

How To Engage With Your Mortgage For Financial Security

The biggest bill you need to cover every single month is probably your mortgage repayment. Did you know that your mortgage lender can make a mess of your credit rating if you don’t make full repayments every month? And did you know they can also step in and evict you, leaving you potentially with no part of the asset of your home if you don’t pay? The lender has the power over your home until it is repaid. But there are ways you can stay on top even in a tough financial climate.

Engaging with your mortgage is essential if you want to have a clear picture of how much you owe. The trouble is that the amount you owe and even the amount you have to repay could change every single month. Some mortgages are set up so the interest owed is accrued daily. This is incredibly tricky to track, so you need to have plans in place to cover any sudden fluctuations.

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A Penny Saved: Money Myths That Break The Bank

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Money makes the world spin. For families, it’s even more critical. A regular person has a bigger budget and more expendable income. A family with kids has to account for every penny to ensure they make it from one paycheck to the next. Struggling to pay the bills is enough to make a parent who is a homeowner wish for a break. “I mean, come on man!” The idea that the world is against you is a tempting one, but it isn’t true. The reality is that the people in charge of finances (you and your partner) are the ones who make mistakes because of a lack of knowledge.

Here, then, are the myths which could harm your finances.


A Penny Saved Is A Penny Earned

In simple terms, this saying encourages you to save as much as possible to enhance your wealth. Even a single penny can make a significant difference over the course of a lifetime, right? Sadly, it isn’t the case because managing finances isn’t what makes a person rich. The wealthiest people on the planet do one simple thing: they increase their income. Instead of settling for $50,000 a year, they double or triple it. Don’t waste money unnecessarily, but don’t think that cutting costs is the key to wealth.

 

Real Estate Is A Sound Investment

Maybe this was the case in the past, but things have changed in the past two decades. Nowadays, there are numerous costs which either didn’t exist or were not as extortionate. Property taxes are a prime example, as are maintenance costs. But, the real kicker is the fact that house prices are down and don’t look like increasing any time soon. Unless you can afford a property in a bubble, such as London or New York, it isn’t a foolproof investment. It is possible to make money, but it is by no means infallible.

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Heading Abroad? 3 Preparations To Consider

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Heading abroad is sure to be an excellent time. If you’re going for business considerations, a vacation, or simply to visit family, getting out of the routine of your daily life can only be healthy. This is because it helps you break up the common and standard ‘routine perception’ which is so easy to fall into day after day. You’ve probably experienced this yourself – living on autopilot instead of living each day as it comes. Breaking out of your daily scheduled circumstances can be very useful in these situations, and not for superfluous reasons.

However, heading out abroad will mean you need to take a further degree of preparation before you leave, as any issues can’t be rectified with you quickly returning home. Often, it will take you booking an emergency flight home, and this can often be too late to solve whatever issue is occurring. For this reason, and in the interest of home and family safety, it’s important to consider the following give tips before stepping out on your adventure.

 

Pets

During long and extended leave of absences, it’s just not enough to pay someone to come and dog-sit. While checking up on your animals via a friend or neighbor is more cost-effective when taking a weekend or day away, taking weeks away will cruelly leave your animals inside and bored all day. For this reason, coming to an arrangement with a dog day care facility, and having your friend pick up the dog in the evening can be a more friendly and ethical way to treat your animals during this time.

These cage-free facilities will often give your pooch stimulation and active engagement with dogs in their local area. They are bound to enjoy the time so much that just like a moody child they won’t want to leave the area when you return to take them home for good. You may feel tempted to leave your dog inside the house as an added security measure while you’re gone, but simply making them deal without regular human interaction even if they’re being fed well can be distressing for the animal. This way, you will know that your pooch is getting the best treatment around, which also gives you an intrinsic peace of mind.

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Surprising Sources Of Major Discomfort

Nobody deserves to live in discomfort. However, millions find themselves in a less than perfect situations. While this is sad enough in itself, the fact that the vast majority could make life a lot easier by paying attention to simple issues makes it far worse.   

You can overcome many of the problems in your world by learning to appreciate the importance of seemingly small problems. Here are just five elements to look out for and fix with immediate impacts.

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Foot Pains

We all encounter minor aches and pains as we get older. In many cases, learning to manage those injuries is the best possible solution. When it comes to your feet, though, it’s important to seek a suitable solution. Issues like bunion pains can be commonly overlooked, but this will lead to increased pain and long-term damage. Likewise, troubles caused by bad footwear choices should be instantly rectified. You spend far too long on your feet not to.

 

Financial Stress

There’s no escaping the fact that money matters. Debts and other financial worries will create a hugely stressful situation. And this will start to impact your physical and mental health in one fell swoop. Trimming the fat from monthly bills will provide a positive starting point. However, we all need a helping hand from time to time. Visit banking.loans to find out about the best borrowing options. That temporary relief could be key to permanent happiness.   

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Where To Go When You Need To Make Extra Cash Quickly

We all need to make a quick or buck or two sometimes, yet a lot of the time the way we can isn’t quick enough. We need a deposit by the end of the week, or we need new lighting in our houses otherwise we risk injury in the dark. Sometimes it’s for medical bills and staying in top health. Waiting for a paycheck doesn’t cover it, and thus, we need to turn to other means, usually those online. Here’s a few recommendations for what you can do to make some quick cash.

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Try A Survey Site

Everyone loves messing around with a personality test now and then; get some money out of it. This is such a new concept, but already extremely popular. If you need to make money in about five minutes, try a paid survey site. Just sharing your views can earn you some bucks, and whilst it’s relatively low paying, you can do it again and again in quick succession.

Don’t know where to start? It’s hard to get to grips with finding the best places in the search engine, not to mention the amount of scams. If you need a good review site, check out https://www.surveyssay.com/stash-review/. They have plenty of sites picked out by editors, and advice you can trust.

 

Use Cashback Shopping To Your Advantage

So everyone needs to go shopping, and everyone pays for shopping. However, some sites offer a cashback policy which gives you, obviously, part of the cash they would have earned back. It can add up and up when you’re at it for a long time, and within a year or two you can make about $1000 off of a very simple scheme.

Of course this is a relatively new scheme, so there’s only a few sites out there that allow you this option, but keep an eye out for them. Something like https://www.swagbucks.com gives you giftcards on the most popular retailers out there, so if you’re moving house and need a new lamp at no extra cost, join for some great deals.

 

Try A Freelancing Site

No matter what kind of skill you have, it’s practically a guarantee that someone is looking for it to use for their own needs. Try out places like Fiverr, or simply advertise on job search boards with your working hours and what you can do specifically. Writers and designers are always in high demand.

Even if you think your skill set isn’t ready for it, practice at a commission is a great way to prepare yourself for a possible career in freelancing. There’s a lot of money to be made from a side activity like this!

There’s plenty to be getting on with when it comes to making money fast and securely, so make sure you look around, and don’t get put off by the amount of alternatives there are out there. A lot of people don’t look simply because they don’t know where to start!

3 Ways To Keep Exercising Outdoors In Winter

Working out outside is generally considered to be a good thing. It gives us more time to soak up that all-important vitamin D, and the changing scenery is far preferable to the static world of the gym.

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Then winter rolls around. As summer disappears over the horizon, you manage to get through fall, but by winter — no. You’re not going to workout outdoors. It’s too cold, there’s too much rain, it’s dark by 4pm… it’s just not a nice proposition.

 

However, it’s worth remembering that all the things that were true about working out outside — the vitamin D, the enjoyment of the scenery — are still true in winter. You just need to tweak your routine a little so that you can still enjoy those things, even when Jack Frost is nipping at your nose.

 

#1 – Choose Your Time Of Day Carefully

 

When it comes to making the time to exercise, winter is far and away the trickiest season. It’s easy to find time in spring and summer, when the days are longer, and it just feels like you have more time. In winter, you’re far more limited.

 

Many people choose to exercise first thing in the morning, but this is a bad idea in winter. Early morning is when it’s going to be colder, and the ground won’t yet have thawed from any overnight frosts. Wherever possible, try to exercise around the middle of the day. Admittedly, this might only be possible on days you’re not working, but it’s still some outside exercise, which we can all agree is better than none.

 

#2 – Tailor Your Outfit To The Colder Weather

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It’s easy to assume that switching your workout clothes for winter is simple. You just go for thicker materials, add a pair of gloves, maybe a hat — job done, right?

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