Debt Free Life

6 Helpful Tips towards Debt Free Life

Hilton HotelsLiving a debt free life is not a mere infatuation. Everyone wants and needs a stressful life. Being trapped in the rat race waking up to work and only to get a paycheck to pay debts. The sad reality is, it would be endless if you won’t plan to escape.

Get out as soon as you can!

So, how? Here are few but helpful tips that you can start with. Read on as this will be your first step towards a financially stable living.

Tip# 1: Make a list of all your outstanding debts.

person holding blue ballpoint pen writing in notebook

Photo by picjumbo.com on Pexels.com

This is an uncanny way to find out how much the total amount of the payable is. It is like a roadmap of where you are heading to. When you paint the portrait of your indebtedness. It will give a better picture of the real situation.

Thus, the visuals will make you understand which direction to take.

Remember these important elements in your debt:

  • List all the names of the creditors you are liable of.
  • Take note of the interest rate it is currently incurring.
  • Be mindful of the remaining balance that still needs to be paid.
  • And, double check the monthly payment to each lender.

It must be included in the list on when or how many years are the target of the debt to zero-out.

Tip# 2: Think on which one to be paid off first.

blur cash close up dollars

Photo by Burst on Pexels.com

So, let us move on. Since you now have a better idea and a clearer picture of the totality of your debt, take a breath. Yes, let the air feel in your lungs and decide which one among the list that you want to be taken out first.

Make an approach that will make you win the battle. Take a look on which one gets the highest interest rate and aim to pay it off first. This is the best strategy because it gets a large part of your earnings.

Tip# 3: Seek for a lower interest rates solution

person woman smartphone calling

Photo by Breakingpic on Pexels.com

The high interest rated loans make your debts become even harder to pay off. Hence, negotiate with the lender to give you a lower interest rate to pay off your balance. Try these little steps to get the lessened rate.

  • Check if you are eligible for a better rate based on credit.
  • Sign up on com and find out what low rate balance transfer you can have. And, merge all loan balances to pay off all the high-interest rate.
  • Call your lender or Credit Card Company. Negotiate an interest that is doable for you to pay off all the balance.

Once you have done this, give yourself two thumbs up! You have taken a leap towards your debt free road map.

Tip# 4: Build your emergency fund.

pexels-photo-164661.jpeg

Photo by Pixabay on Pexels.comOmahaSteaks.com, Inc.Why is this important? Look at it as an emergency situation of your financial status. Being in debt is like in a situation that you need to be freed as soon as possible. Because, the longer you stay in the loop of indebtedness, the stressful it gets.

Another point of view is that if you don’t have an emergency fund. Any some unforeseen circumstances occur can put you in debt. Because you will have to solve a financial shortcoming without an emergency fund, where do you go? And the worst scenario will be, getting the bait of a high interest rated lenders.

Tip# 5: Organize and plan for a budget that records all your cash inflows and outflows.

black calculator near ballpoint pen on white printed paper

Photo by Pixabay on Pexels.com

Be committed to meet the purpose of paying off your debts. So, making a budget will help you see the ins and outs of your income. Plus, with supplementary efforts below, the goal becomes more achievable.

  • Avoid temptations
  • Pay credit cards or other loans more than the least amount due.
  • Find ways to get extra earnings to tie both ends. Get a second job, if you can.

Tip#6: Keep a perpetual or secure employment

man building architect joy

Photo by Pixabay on Pexels.com

With all the suggestions we have mentioned above, this tip deserves a slot on its own. Because true enough that nothing will be organized and budgeted if there will be no influx of cash. Sounds sensible. Our jobs are our valuable assets, our business and employers help us with it.

Closing

In conclusion, a debt-free life is one of our ultimate goals. Since it relieves us from a stressful financial status. We don’t have to enslave ourselves from running in circles but never gets to an end. Certainly, there will come a cessation of the rat race, take an action now.

World Port Seafood

RESOURCES

https://www.credit.com/debt/get-out-of-debt/

https://www.iwillteachyoutoberich.com/blog/how-to-get-out-of-debt-fast/

https://clark.com/personal-finance-credit/how-get-out-debt-quickly-5-simple-steps/

https://www.listenmoneymatters.com/how-to-get-out-of-debt/

 

Advertisements
Recommendable Pet Sitter

5 Tips to be a Recommendable Pet Sitter and Earn Extra

Hilton Hotels

Pet sitting might not be for everyone. Most especially if you are not really fond of pets. Lucky you, if you love to spend time with a dog or cat, then this can be a good start to make a business out of it.

Well, this can be a challenging task but as mentioned if your love to hang out with animals, that won’t be hard to do. Aside from enjoying their company. Playing with them, earning extra buck makes the idea happier!

So before we jump into getting into the business. We need to revisit some factors for us to know is we are a good fit as a pet sitter.

black and brown short haired puppy in cup

Photo by Pixabay on Pexels.com

Ask yourself if you are a pet lover.

This is the most important question that you need to answer first. It only has two answers: YES or NO. If your answer is the latter, then no further questions ask. You can go somewhere else.

But, if your answer is a big, awesome and believable YES! Then, we can consider moving on to the next level. Pets need you to be loving and attentive to the animal’s needs. Being patient with them will help you gain their trust and create a bond that is equally necessary to the task.

animal beautiful blonde daylight

Photo by Pixabay on Pexels.com

Be committed to the job.

Like any other jobs, showing your commitment to your employer by getting there on time. Be enthusiastic about doing your job, pretty well. Those tasks that you need to complete has to be impeccable. Take care of the pets like babies.

You must return the trust that the owners have given to you. It’s done by fulfilling your duties and responsibilities.

eyes cat coach sofa

Photo by Ghost Presenter on Pexels.com

Let the owners be aware of anything.

For some unlikely events, that their pets got into something that made them injured. Inform the owners with humility and honesty. Never let them discover by themselves that something had happened to their pet. It would be better than you confess and be ready to tell them.

woman wearing gray jacket beside white puppy

Photo by Oleksandr Pidvalnyi on Pexels.com

Give the pets sometimes to feel comfortable with you.

Noted that you love pets yet we cannot always guarantee that they will love us back instantly. So providing them enough time to get to know you. Don’t force anything or yourself to them.

animal dog pet labrador

Photo by Tookapic on Pexels.com

Step Up.

Set yourself stand out from the rest. Get some certification from pet sitters organizations or better yet, enroll courses online. Yes, it would mean an investment, but if you want a good business out of it then why not spend some dollars. Anyways, you will get the returns back as long as you are doing your best as a pet sitter. The point is, you are stepping up, and this makes you more recommendable.

Closing

OmahaSteaks.com, Inc.

Pet sitting is a good source for an extra income. The rates that pet sitters may vary from $10/hour to $100/night. It really depends and may differ from one place to another.

But, sure enough, that it’s a decent pay.

So, if you think that you are a good fit as a pet sitter, take the action now. Earning some money is always possible, most especially when done. with ultimate correctness. Let your neighborhood know that you can watch over and take care of their pets while they are away. Or, get online and let pet owners know you, try to visit Care.com and learn more.

World Port Seafood

RESOURCES

https://www.busybudgeter.com/make-money-pet-sitting/

https://www.thepennyhoarder.com/make-money/side-gigs/want-to-get-paid-100-to-hang-out-with-cats-and-dogs/

https://www.iapcollege.com/program/pet-sitter-course/

https://www.thepennyhoarder.com/make-money/side-gigs/want-to-get-paid-100-to-hang-out-with-cats-and-dogs/

 

Real Estate Business

Building Passive Income through Real Estate Business

Hilton Hotels

There are many kinds of businesses that we can choose from to build our passive income. Real estate is one among the popular methods.

But before going further, let us define what passive income is.

Passive income is an earning collected from rental properties. A portfolio income that yields dividends and interests are also considered passive.

In this event let us focus on the kind of passive income that we get via real estate. Don’t be surprised that this is not limited to a traditional property owning. Yes, it is because there are already other ways for us to utilize real estate as a vessel for generating income. Read on to learn.

Other options to make passive money in the real estate industry

brown and white wooden house on green forest

Photo by Pixabay on Pexels.com

The first choice, which is very common is the traditional property (brick and mortar). This takes a hands-on effort from your end, so you have to do it right. You can either own a residential or commercial real estate rental. Also, to this kind of an investor, you can choose to own farm, timberlands or another real estate form that people rent out.

OmahaSteaks.com, Inc.

Make sure that these properties managed by someone you trust or yourself can make it well. Plus, to keep the upright condition of the assets, thus maintenance is a must. Anytime tenants call for repairs, it must at once done.

Tenants must be reviewed and undergo background checking. Part of this is to get employment verification. To make sure that they will meet their financial obligations to you.

Through, we can consider that this kind of investment is a good path to collect passive income. It needs a lot and kind of a tedious work. To aid this, hiring a professional managing person or team to help to manage is a nice move. Towards success in your investment.

man using laptop on table against white background

Photo by Pixabay on Pexels.com

The second choice is with online real estate investment platforms. Realty Shares is one of the companies we can site. An online platform that offers profitable opportunities to investors, borrowers and sponsors.

Companies who operate in this nature may differ from each other’s approach. Realty Share offers a wider variety of investment choices in properties. While others, like Fundrise, focuses on commercial properties only.

These online real estate investment companies have different chances given to investors. Because some only accept accredited investors. While others offer the opportunities to both accredited and non-accredited investors.

Read Top 10 Real Estate Companies to Watch in 2018. To learn more about online real estate investments platforms.

architect composition data demonstration

Photo by energepic.com on Pexels.com

The third choice, real estate option is the REIT (real estate investment trust). This is another form of passive income. It is like mutual fund which gathers different investments in each fund. All investments in REIT are incorporated in real estate.

It might constitute an ownership of commercial buildings or timberlands and warehouses. This is a less risky investment since it has spread to a variety of mediums in investment.

Closure

Spreading your investment into different forms is a wise decision. Real estate as a medium in building passive income works best when handled correctly. But then again, as an investor, we need to be able to understand how it works and the risks it involves. Your knowledge will get you covered.

If you think that you got the right acceptance of the method to make money, then, take a call to action. Yet, if everything is still clouded, speaking to an expert might be the best option. Rather than jumping into the ocean of uncertainties.

Passive income in real estate has been profitable to other. It might also work for you, so think about it and act.

World Port Seafood

RESOURCES

https://www.jwbrealestatecapital.com/how-to-earn-passive-income-from-real-estate-investing/

https://wellkeptwallet.com/ways-to-make-passive-income-with-real-estate/

http://www.businessinsider.com/how-to-travel-and-live-off-passive-income-from-real-estate-investing-2017-1

https://thecollegeinvestor.com/16948/3-ways-to-make-50000-per-year-without-working/

https://www.investopedia.com/terms/p/passiveincome.asp

https://www.attomdata.com/news/attom-insights/top-10-real-estate-companies-to-watch-in-2018/

 

Clothing Rental Services

Clothing Rental Services: 7 Best Companies

Can help us get trendy with Outfits without Spending Much

If you want to look fantastic for any event you’re attending, turn to clothe rental companies. It is such a great way to be dressed up without spending so much.

These services for clothing are both available for men and women. Yes, renting wardrobes may not be for everyone, but it would be a good and reasonable option. Most especially for people who want to put an extra glamour on their clothes.

Hilton Hotels

To know a little more about the rental services for clothing. Here are the 7 companies that can help you get a spectacular dress for any occasion.

woman wearing sunglasses and black top

Photo by Eneida Nieves on Pexels.com

Option#1: Rent the Runway

It is one of the first companies’ engaged in clothing rental services. From the start they have taken off, the company focused on dress and women accessories. To help ladies go to an event wearing great fit wardrobes. They are offering both traditional and plus-size dresses.

They will send two dresses. The first one is the size you have requested and the other is next size up to make sure that either of the dresses will fit.

Prices: as seen on price tag marked on each dress

Number of Days: Four to Eight Days

woman in pink maxi dress holding bouquet of flowers

Photo by Godisable Jacob on Pexels.com

Option#2: Style Lend

The company rents out designer clothing. Browse through thousands of best designer items. These have been carefully chosen by New York’s fabulous closets. In case the dress didn’t fit, you can give it back to them and they will change the item just before you would need the dress.

Highlight: Same-day shipping within New York City and two days shipping nationwide

Prices: starting at $25

Number of Days: Seven days

white and black floral cap sleeved shirt

Photo by Artem Bali on Pexels.com

Option#3: Le Tote

They give you the chance to select up to three clothes and two accessories. These are sent over to your doorsteps unlimited times every month. Wear anything you like and send it back. And you will again receive the next set of clothing days after.

It is ideal for girls who love to change outfits often for events or office. Also, good fit for pregnant women as they got impressive maternity selections.

Highlight: Monthly Subscription for a box of clothing

Prices: starting at $59 per month

Number of Days: monthly subscription

woman wearing black and white striped maxi skirt holding brown bag

Photo by Artem Bali on Pexels.com

Option#4: Gwynnie Bee

An online clothing company that offers subscription services for women. They are targeting girls who want to be stylish and crafty in their daily outfits. Plus, it is for free shipping and exchanges. They got a wide variety of selection from work wear to casual and formal dresses.

Highlight: Monthly Subscription for a box of clothing

Prices: starting at $49 per month

Number of Days: monthly subscription

shallow focus photography of assorted color clothes hanged on clothes rack

Photo by Artem Bali on Pexels.com

Option#5: Glam Corner

An Australian based dress rental company established in 2012. It is today one of the leading websites for women to shop for designer outfits for rent. They aim to provide women with a good quality of wardrobes without creating clothes often. It makes an impact of a lot of savings while being trendy and glamorous.

Highlight: Plus Size Dresses

Prices: starting at $39

Number of Days:

closeup photo of man in black suit jacket

Photo by Lukas on Pexels.com

Option#6: The Mr. Collection

OmahaSteaks.com, Inc.

It is a clothing rental services for men who love to have a new, great look every time they go out. Upon subscription, they will have to fill out a survey of their preferences. And, a stylist will have to put together the idea and box set of clothing sent over to the subscriber for a month use.

An option to keep the box for two months and buying any cloth or accessory at a discounted price is also offered.

Highlight: Monthly subscription

Prices:

Casual Clothing for $39 per month

Business Clothing $45 per month

Men’s Accessories $25 per month

Number of Days: a month or it depends on when the box of outfit will be returned then another box will again be sent to the subscriber

adult beautiful blur body

Photo by Leah Kelley on Pexels.com

Option#7: Mine for Nine

A rental clothing service for expectant mothers. You can rent wardrobes from a variety of choices, formal, casual or business attire. It is a good idea to get this option since while your tummy is growing. Until you deliver, you don’t have to buy clothes that we can’t wear after maternity.

The right size for you every after month is just there waiting to be rented out.

Highlight: Maternity Rental Service (pregnant women)

Prices: see website

Number of Days: one month

Final Words

Renting clothing for occasional events is the most practical way to look fabulous. While getting great savings at the same time. We don’t have to spend so much with a designer dress to be worn just once. The idea of saving money with this strategy will give you more glamour, right?

Clothing rental services have given a solution to a dilemma for people who love dressing up. Yet, those who are not fond of buying new clothes every month or every week. But there is a need to look captivating for work or other personal reasons. Try it, and see how it fits your lifestyle.

World Port Seafood

RESOURCES

https://www.straitstimes.com/lifestyle/fashion/rent-wear-and-rave

https://money.usnews.com/money/the-frugal-shopper/2014/08/07/how-to-spruce-up-your-wardrobe-with-rentals

https://www.denverpost.com/2016/03/30/rent-your-wardrobe-service-aims-to-expand-sharing-economy-to-closets/

http://www.wtnh.com/on-air/stretch-your-dollar/stretch-your-dollar-online-rental-wardrobe/1097631551

http://www.thegoodtrade.com/features/7-places-to-rent-designer-dresses-and-clothing-online

 

Home Delivery Services

Top 3 Meal Prep at Home Delivery Services

Are they worth their cost?

Hilton Hotels
Do you love to cook? Or you would rather get a food from delivery services and escape from the lengthy process of cooking. Not to mention, the time spent on groceries that are exhausting.

Meal preparation for me would always be an artistic expression. The colors of the fresh veggies or meat make it more of a piece of art once all combined. That is me talking.

Like, a majority if not all mothers out there tries to cook for the family. Or, just anyone who wants to get healthy food would choose home cooked foods. Then the one from fast food chains or restaurants. But, with the hectic schedule, how can it be possible to go to groceries and spend so much time?

Meal prep home delivery meals, to the rescue!

Yes, it’s like fresh ingredients from the grocery or farm delivered right to your doorsteps. And the twist goes, you will turn yourself into the chef. In an interesting note, these delivery services give you the recipe of food that we don’t commonly eat. Awesome!

Yet, you don’t have to worry, the instructions on how to prepare the meal are there as well. It makes your life so much easy. The service does the grocery for you, think about the kind of meal you want to prepare. All you need to do is cook the fresh ingredients once it arrives.

So how does it work? As easy as 1-2-3-4.

 

Step #1 Sign up. Customize your delivery dates within your accounts.

Step #2 Select your preferred food. There will be a rotation of recipes so you can choose which one you’ll love to try cooking and eat.

Step #3: Receive. It will be delivered in a box with an easy to follow the recipe, fresh and proportioned ingredients.

Step #4: Cook. Super easy, healthy and delicious meals.

Carry on, here are top 3 delivery services that you can try on and experience the difference and see its worth.

Blue Apron

OmahaSteaks.com, Inc.They aim to give each customer the best cooking experience. On your first order, upon subscription, they’ll give you $32 discount. You will have the option to sign up for a good for two meal plan or a family plan for a weekly delivery. Each box will include fresh ingredients that you can make six to sixteen meals. You don’t have to think about food wastes as it has been already sliced in portions. And, if the recipe is not within your preference you can just skip a week through your account. You can check the meal prep ingredients on their website.

Price: Starts at $8.74 per meal

The scope of Delivery: Nationwide (excluding Alaska and Hawaii)

bowl close up cooked cuisine

Photo by Dana Tentis on Pexels.com

Home Chef

They have created a perfect proportion of meals which goals to end up wasting food. They give much importance on quality and simplicity. To make sure that all meal preparations are healthy and delicious. Plus, this is so easy to cook. Every box delivered comes along with the affordable, high-quality ingredients. It has the recipe cards that are simple to follow when cooking your meal. Click here to learn more.

Price: Starts at $9.95 per meal plus $10 Weekly Shipping

The scope of Delivery: Nationwide (excluding Alaska and Hawaii)

 

Hello Fresh

If you are looking for healthier options for food on your table, Hello Fresh is someone you can call. On a weekly basis, you will get to receive the box with all the ingredients good for three meals. And, you will have it right on your doorstep. Each box can make a food for two or four people. The recipes for these meals would only take around 30 minutes to prepare.

Check their website for the recipe plans.

Price: Starts at $8.75 per meal

The scope of Delivery: Nationwide (excluding Alaska and Hawaii)

Closing

This kind of meal preparation option’s worth depends on someone priority. For anything that we want to put first, no price would be expensive for it. Meaning to say, going to the grocery takes a lot of your time which ends you up losing money. As it affects work or business, so spending higher budget than usually can be more cost-effective.

So, looking at the prices as well as the ingredients of each food preparation. The cost of each piece might differ from another. Some might be more expensive if you’ll buy it from the grocery. Most especially those items you can only buy in bulk.

Getting meal prep home delivery services could be a better option for savings.

Valuing the worth of these kinds of delivery services depends on the kind of lifestyle you have. For some, it might be cost-saving while for others it, not a perfect options. So before choosing this kind of meal preparation for your family, take time to think. If it works well for your finances as well as if it fits your life preference.

World Port Seafood

RESOURCES

https://www.daveramsey.com/blog/meal-delivery-service-worth-it

https://sunburntsaver.com/meal-delivery-services-worth-the-cost/

http://www.foodrepublic.com/2015/10/19/are-cook-at-home-meal-delivery-services-really-worth-it/

https://gethealthyu.com/are-meal-delivery-services-worth-it/