7 Tips To Build Your Mortgage Savings Account

mortgage savings accountThe number of homeowners vs renters is on the path of a cataclysmic shift in the next few years, with the number of owners dropping and renters rising. This could mean major changes for home prices as will happen when any supply increases. The best thing you could do to be prepared is to start building your mortgage savings account now.

For most Americans, their biggest asset is their home. Owning a home lends you a lot of freedom, keeps you from being blindsided by rent increases, and helps build wealth for the future.

While not everyone might think homeownership is within reach, there are clever ways to start building for the future while living on a budget. Even if you live paycheck to paycheck, maybe it’s time to think about ways you could start saving for a home. Here are 7 tips that could help build a mortgage savings account.

1. Keep Your Budget And Your Promises

While you might still be struggling with New Year’s resolutions, it’s important to make promises to yourself and keep them. And just like fitness or health-related goals, it’s important to make your goals achievable.

Don’t make your goal “Save $10,000 by May”. As you fall short, you’ll only increase your lack of faith in the possibility of saving. Make small, weekly goals. Know when you’ve got something coming up, like a vacation or anniversary, where that goal will get the way of your fun.

Once you have the goals set, make a pact with yourself. Give yourself room to make mistakes and forgive yourself for slipping up. You can and you will.

Make sure you can keep your promise and you’ll be happy watching your savings grow.

2. Change Your Withholding Amount

Talk to the HR person at your job. If you’re regularly receiving a tax return at the end of every year, you could adjust your deductions to have that money put into your account.

At jobs with direct deposit, you may have the option to split your paycheck. You can automatically deduct a certain amount from your paychecks to have placed in a mortgage savings account. This way, you’ll build up your account without even trying.

3. Put Aside Extra Pay

Whether you get paid weekly or biweekly, you’ll be receiving 5 or 3 paychecks, respectively, a few months this year. Take that whole paycheck and dump it into your savings.

Don’t factor this into your weekly budget. Let it be a big bonus that you can use to infuse your account with some extra energy.

If you have any side gigs or second jobs you do during the holidays, try to put some of that extra money into your mortgage savings. You’ll find that the more your savings account grows, the more inspired you’ll be to put every little bit into it.

4. Look At Your Cell Phone Bill

While you might not like looking at your cell phone bill because of astronomical fees you’re paying, think about whether or not you can cut back on services. If you’re in the market for a new cell phone, post online to see if any friends have one sitting in a drawer they’d be willing to part with.

See if you’re paying for extra services you don’t need. If you’re paying for adult children on your plan, ask them to start kicking in a portion of the bill.

Shop around for your next contract. If you can get out of it, try to find something cheaper. If it’s hard to get out of, try using Cellswapper to see if they’ll buy your contract from you.

5. Scrutinize Your Utilities

Are you often blindsided by rising gas and home heating prices? If you don’t watch your heating carefully, you could end up paying hundreds extra a month. Make it a habit to turn your thermostat down when you’re away from the house.

Are you using high-efficiency lighting? If not, it could be time to invest in better bulbs for your home. High-efficiency LEDs and CFLs are slightly more expensive than traditional bulbs but they’ll last for years and you’ll be using far less electricity.

Are you paying for a huge cable and internet package that you never use? See if you can scale back to a more basic, barebones plan. Use that as an excuse to spend more time with friends, while saving $50-$100 more a month.

If you run a tight enough budget, you could be saving hundreds a month just by making these small adjustments. While they may not seem like much now, over a year or two, they could help build your savings account in a big way.

6. Get Healthy, Save Money

If you’re a smoker, you could be spending hundreds every week just on cigarettes. Not only are they dragging down your wallet, but they’re also dragging your health into the gutter. You could add years to your life and thousands of dollars a year to your bank account by working to break this addiction.

Even social drinkers could be spending hundreds a week at bars and liquor stores. This spending adds up quickly, just as quickly as the savings could. You don’t need those extra calories as much as you need that extra money.

When you hit the grocery store to buy some healthy snacks, make you’re continuing to save money every step of the way. Save your money and then throw a party in your new house to celebrate later.

7. Cut Travel Expenses

If you drive to work every day, you could be spending hundreds a month on a car note, insurance, gas, and repairs. If you’ve got options to bike or take public transportation to work, think about changing your transportation methods.

Even working from home one or two days a week could be a nice extra bit of savings in your mortgage savings account.

Be Clever And Your Mortgage Savings Account Will Grow

While you should be entitled to a relaxing treat at the end of your work week, make sure that you’re budgeting for everything. It’ll make those treats taste all the sweeter when you get them.

If you’re ready to start tightening the belt to build your savings into a home, contact us today to get started.

Best Activities for Kids Home on Break from School

activities for kids home on break

What if you could make your child’s school break perfect overnight?

It can often be difficult to come up with activities for kids home on break. Children often end up doing nothing more than playing video games and watching YouTube.

By the time the break is over, parents and kids alike feel like this was a wasted opportunity. Fortunately, there are more than a few ways to create an unforgettable break.

Read on to discover the secrets to a perfect school break!

What Makes Good Activities for Kids Home On Break?

There are many different ideas for what your kids can do on break. However, some rules still apply.

The first one is to keep the electronics to a minimum. Many children play games and watch TV as often as possible. A break where they do more of the same isn’t going to be very memorable.

Good activities should involve as many family members as possible. This lets them enjoy a fun time while helping them bond with their parents.

Finally, the best activities will be novel. Don’t just do the same old things your children have always loved. Help them instead find their new favorite activities!

Keep reading to discover the best possible activities for kids home on break.

Make Writing Fun Again

Most children do not enjoy writing. It makes them think about the boring and repetitive things in school.

However, you can make writing fun by putting new twists on an old idea. This includes composing letters or emails to friends and family members.

Another idea is to encourage creative writing. This includes things like poetry and short stories.

By the end of the break, you’ll have done the impossible: your children will see the fun side of learning!

Head to the Beach

Depending on the weather and your location, the beach makes for a perfect getaway during a break. And it can be much cheaper than you think.

First, pack your own meals and snacks. Put everything into a cooler along with water and any other drinks you want to bring.

The final ingredients are some basic beach chairs and simple sand toys like buckets. This lets your children spend as much time as they want playing in the ocean, the sand, or both.

This is also fun for the parents too. Bring along some suntan lotion and your favorite book, and soak up both fun and the sun.

Hunt for Treasure

One idea that is fun for children of all ages is an old-fashioned treasure hunt. This is something parents can organize at home or in many other places.

First, pick a location. Then hide things your children might like. This can include everything from painted rocks to wrapped candy.

Next, create a treasure map. Be sure to add special clues and images to help your child find the valuable items.

If your child has fun with this activity, you can always create new maps and hunt for treasure in new locations over the break.

Help in the Kitchen

A surprisingly fun activity during the school break is for your child to help you out in the kitchen. This is engaging for them and also helps them learn to be more helpful around the house.

A good way to start is to teach your child how to make some of their favorite dessert items. As their skills and discipline grow, they can help you create their favorite lunch and dinner dishes as well.

Cooking is also a great way to practice certain skills over the break. Children will see how research is involved in finding recipes and how critical reading the recipe is.

Plus, accurately measuring all of the ingredients involved uses math in a very practical way.

Overall, this is an activity that their minds will enjoy as much as their taste buds.

Going to Camp

A very special event for children on a break is to go to a special camp. There are longer camps for summer break and shorter camps that are timed for things like school breaks during the month of March.

These camps offer activities catering to different kinds of students. Some will enjoy the sports activities while others will enjoy things like Lego Robotics.

Begin researching things like the TAC Sports March break programs to plan the ultimate camp getaway for your child.

Lemonade Stand with a Twist

One of the classic activities for kids home on break is to make a lemonade stand. A modern twist you can add is that you and your child will donate any of your proceeds to a special charity.

There are lots of fun activities involved with this. Children must master making lemonade and decorating colorful signs to help lure in neighborhood customers.

This also represents a great chance for your child to get to know the people who live in the neighborhood. And donating the money to charity shows your child that they can directly make a difference to the people and causes that are important to them.

Create a Website

Children are fascinated with consuming the online content that others produce. You can tap into this by teaching your child to make their own website.

Depending on your child’s age, you can help them use automatic website design tools or even teach them HTML programming. Children also love coming up with ideas for website sections and selecting the photos that will go on the site.

These skills are fun, but they are also practical ones that your child can further develop over the years.

The Bottom Line

There are many different activities for kids home on break. The trick is finding the best activities for them that won’t break the bank for you.

This is why it’s important to look at ways of saving money around the house. The more you save throughout the year, the more you’ll have to make your child’s break time fun and memorable.

At Thrifty Momma Ramblings, we know how to save money. To see how we can revolutionize your savings, check out our frugal living tips today!

How to Start Your Own Therapy Business

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Starting a business is hard. It’s even harder when you have to juggle kids, home maintenance, finances and more. Don’t let that stop you from creating your dream therapy business though.

Around 350 million people in the world suffer from depression. Not to mention the millions more that suffer from other mental illnesses.

Needless to say, your therapy business can and will be successful if you follow these 4 tips.

1. Find your Niche

The first thing you need to decide is what type of therapy you want to offer. Do you want to work with preteen eating disorders, depression or marriage counseling?

While it may seem like specializing in one area limits your business, it actually helps it. People tend to view specialists as more trustworthy and valuable than they do general therapists.

It’s also a great way to stand out from the other therapists in the area.

A great example of this is Beverly Hills TMS. This group has created an entire business just around dealing with depression therapy. You can follow this link to find out more!

However, be sure to choose a niche that you really enjoy, not just one that you believe will make you the most money. Otherwise, you will get bored quickly or lose steam.

2. Create an Open Environment

The next step is to start crafting your space. Where are you planning on working and how do you want it to look?

When choosing your space it’s important that it becomes an area both you and your clients feel comfortable in. While you may enjoy bright colors, they might make it more difficult for your clients to relax.

We also have some tips on how you should dress as well. Check out our 5 tips on dressing for success.

3. Start Marketing Today

The third tip is to start marketing today. Whether that means creating your website or simply talking with others about your idea, now is the time to do it.

The sooner you can get the word out about your new venture the sooner you’ll begin seeing paying clients. Avoid paying big bucks for advertisements at the start.

Instead, see how much traction you can get through less expensive means, such as word of mouth marketing, press releases, and social media. Remember first impressions are important, so make each piece count.

Also, talk to fellow therapists and see if they have any tips or are willing to mentor you as you start your business.

4. Don’t Forget the Business Aspects

Lastly, don’t forget that you are also a business person. While it’s tempting to only focus on your therapy sessions, you have to also take into account the other costs.

Find an accountant, follow all of the state regulations, and learn about business insurance.

Start Your Therapy Business Today

The hardest part about starting a business is just starting. If you’re ready to make your dream a reality then go and do it.

It will take a lot of time and hard work, but we know it will be worth it. Good luck! Comment below with any of your therapy business tips.

How to Find the Right Rehab Recovery Center for You

recovery centerWondering how to find a rehab recovery center that’s a good fit for you?

Choosing to go to rehab is a big step. Finding the right center can make the difference in your successful recovery. However, it can be hard to know where to start looking for the right rehab recovery experience.

This guide will show you the different kinds of centers available, so you can decide which one is best. The most successful recovery happens when you’re matched with the right center for you. Keep reading to kickstart your recovery today.

Choosing the Best Rehab Recovery Center

One of the first things you’ll need to consider is whether an inpatient or outpatient recovery center will be the best fit for you.

The more you learn about rehab recovery centers before choosing one, the more likely you are to have good results. Different approaches and styles work better for different people.

Inpatient centers have patients living on-site 24 hours a day for the duration of the treatment. This removes all distractions, so you’ll be completely focused on your recovery.

This is a more intense rehab experience than outpatient rehab. In an outpatient center, you’ll still live at home, but can go to counseling sessions and other treatment sessions a few times a week at the outpatient facility.

Inpatient Rehab

Inpatient treatment usually starts with a detox period. In an alcohol or drug rehabilitation center, detox is the period when you can sober up in a safe, controlled environment.

Staff will take precautions to make sure you don’t experience dangerous withdrawal symptoms or other complications. Although detox can be a challenging process no matter what, it’s much safer when done in an inpatient center.

The center staff will do everything to make you comfortable throughout this process. Next, the addictive behavior patterns are usually addressed.

Addiction has a powerful psychological aspect. Treating this helps ensure a lasting recovery.

In an inpatient center, this process usually involves psychological and medical assistance, as well as the support of your peers in rehab recovery.

The treatment will be tailored to your unique needs as a patient. You may have different needs at different times throughout the recovery process. The treatment will be adjusted accordingly.

Each center uses slightly different strategies to achieve results. Before checking into a rehab recovery center, take a look to see what each location offers, so you can decide on the best fit. They might use a combination of group therapy, individual counseling, and other activities.

Types of Inpatient Programs

There are a few specific types of unique inpatient programs.

Holistic rehab programs take the whole body into account during rehab. These programs often involve naturopathy as part of the therapy offered.

Some programs are targeted specifically to men or women. This can help people who do best with a peer group of the same gender.

Religious treatment programs incorporate the philosophy of a certain religion. This can be appealing to people with a strong connection to their religion.

Other rehab programs focus on youth and teens, since this age range has its own unique recovery needs.

Outpatient Rehab

There are also a number of different outpatient rehab recovery options, so you can choose the best one for you.

Some outpatient programs involve meeting with a counselor before treatment actually begins. This allows the counselor to evaluate your unique needs and customize the program to best suit you.

The decision about which program to move forward with depends on the type, extent, and length of the addiction. The counselor will also consider your lifestyle and other commitments.

You can choose outpatient programs of different lengths depending on your needs. Your options range from full 8-hour daily sessions to meetings for just an hour or two each day.

The same strategies are used in outpatient programs as in inpatient programs. Your program will likely use group therapy, individual therapy, medication, workshops, or a combination of these. Many other approaches, such as art therapy or music therapy, are also used.

Some patients in outpatient rehab have to take regular drug tests to monitor for relapses, since they aren’t in the facility 24/7.

Outpatient care is most effective for those struggling with an addition to a single substance that hasn’t been an issue for very long.

For multiple addictions, intense addictions, or long-term addictions, inpatient care is best. Inpatient rehab is also the right choice for most people who are suffering from mental health issues as well as addiction.

Extended Care Rehab

After the inpatient or outpatient program is completed, you may choose to do an extended care program. These programs can help you keep managing your recovery effectively.

Again, there are different options for extended care treatments. Some are actually inpatient programs, in which you will live in the facility long-term. Others involve one-on-one private therapy sessions. Still, others are as simple as attending regular support groups.

When it comes to extended care, you can choose as much or as little support as you feel like you need. These programs help you transition from rehab, so you can easily transition to your normal life without a relapse.

No matter which treatment options you choose, the goal is to help you reset your patterns of thinking and behavior to combat addiction.

Treatment centers help you make a concrete plan for the future. You’ll be aware of the patterns that led you to addiction in the first place, and know how to break those patterns.

There is no one-size-fits-all rehab center. However, with the wide variety of rehab options out there, you’ll be able to find one that works for you.

Not only is there a variety of treatment options, but there is also flexibility within each of those options. Your needs can change throughout the rehab recovery process. Whether it’s inpatient, outpatient, or extended care, the treatment needs to be able to change along with you.

Ready for Recovery?

Now that you know about the different types of treatment centers, you can approach choosing the right one with confidence. We promise that the perfect rehab recovery fit is out there.

Post-rehab, you may find yourself making some changes to a healthier, happier, addiction-free lifestyle. For some amazing health and fitness tips, check out more health and fitness posts.

7 Dude Ranch Vacations for the Budget Conscious Family

adobestock 127332427For most of us, vacations with our family are limited. It’s often difficult to find both the time and the money to organize a well deserved ‘break from it all.’ So, when we go away, we want to get it right.

However, with the average vacation costing $4,580, it’s understandable why you’d want to shop around to find a more affordable holiday.

With that in mind, a dude ranch vacation is ideal. It’s the perfect place to enjoy some uninterrupted family time – and isn’t as expensive as you might think.

Let’s dive into seven dude ranch vacations that are perfect if you want a fabulous vacation on a budget.

Dude Ranch Vacations – Where to Begin?

If you’ve done some research on dude ranch vacations, you’ll know that prices vary massively.

However, you have to understand lots of ranches offer all-inclusive holidays. Whereas, others expect you to pay extra for all the additional activities.

So, don’t be fooled into thinking you’re getting a great deal. Always check precisely what the total price includes.

You should also consider your ranches location. Some are pretty remote. This means you’ll have to spend more money both getting there and traveling around during your stay.

Finally, it’s imperative to find a ranch that offers either a discount or a package for families. This is usually a good indicator that the venue is set up for the kind of vacation you want, without breaking the bank.

With that in mind, here are a few of our specific recommendations.

1. Sundance Trail Ranch, Colorado

This dude ranch is both family-friendly and pet-friendly. Ideally situated, it’s only a two-hour drive from Denver.

During your stay, guests can try their hand at; horseback riding, hiking, rock climbing, and whitewater rafting.

Plus, it’s situated close to the beautiful Colorado Rocky Mountains. So, it’s perfect for nature lovers.

This accommodations ideal if you’re traveling with extended family or friends. It can sleep as many as 24 guests and has wheelchair access.

Most importantly, visitors won’t go hungry. Traditionally Western homemade meals are prepared and served to guests. These dishes always go down a treat!

2. Marble Mountain Ranch, California

The Klamath National Forest surrounds this gorgeous ranch, so there’s plenty of opportunities for guests to explore.

Beautifully situated, the breathtaking Trinity Alps and Russian Wilderness Areas are close by and are definitely worth a visit!

The nice thing about this ranch is that they offer the ‘saddle-paddle’ vacation package. This allows visitors to give both horseback riding a go, alongside; whitewater rafting, fishing, and shooting.

So, rest assured there won’t be any chance of getting bored!

3. New Haven Working Cattle and Guest Ranch, Wyoming

This is a genuine cattle ranch, ran by family – perfect if you’re hoping to have an authentic Western experience.

Located on the outskirts of the Black Hills of Wyoming and near the Devils Tower National Monument, there’s plenty of scenery to take in.

This accommodation can sleep a maximum of 8 travelers.

Vistors have the opportunity to participate in various activities including; moving cattle from pasture to pasture, round-ups, checking reservoirs, etc.

Plus, guest bedrooms are beautifully rustic and have their own bathroom.

4. Southern Cross Guest Ranch, Georgia

This family-owned ranch is also a horse farm – home to more than 200 horses!

This ranch is just one hours drive from Atlanta, and unlike other ranches, experienced riders are permitted to ride their horses unguided.

Plus, the foods said to be amazing – what’s not to love about that?

5. Rowse’s 1+1 Ranch, Nebraska

This is another working ranch, so it’s perfect if you want a taste of genuine Western culture.

Guests have the opportunity to participate in plenty of ranch activities including riding and cattle work.

By cattle work we mean; cattle drives, roundups, brandings, and roping.

6. Sugar and Spice Ranch, Texas

Unlike the other ranches, this one provides specific vacations for mothers and daughters.

Moms pay from $100 per night ($50 non-rider) and daughters $50. This is the perfect place for some mother-daughter bonding if you’re both horse-lovers or just up for trying something new.

You’ll be given your ‘own’ own horse and get to; feed, groom, tack up, clean the tack, and bath him/her- it really is the full horsey package!

The above rates include meals, riding, activities, lodging, tax and evening entertainment.

7. Sweet Grass Ranch, Montana

Finally, we come to the last of our dude ranch vacations.

This is another family-owned working cattle ranch, and it’s absolutely gorgeous.

This accommodation’s situated in the beautiful Crazy Mountains, so it’s perfect if you want to take a step back from the hustle and bustle of daily life and admire natures bounty.

There’s plenty of opportunities for guests to try their hand at riding. With thousands of acres of mountain country, meadows, and plains to explore, you’ll be spoiled for a choice of scenery.

The riding experience is ‘unstructured’ and tailored to what you’re interested in doing. This helps you get the most out of your ranch vacation.

The hosts offer various packages, starting from $225 a night. The all-inclusive riding package allows you to go on all-day rides either moving cattle or to explore the serene alpine lakes.

However, non-riding packages begin at $180 per night. If riding isn’t your thing, don’t worry there’s still plenty to do. Hiking, fishing, row-boating, and golf are all favorite pastimes.

Kids can stay for as little as $160 (including horseback riding and other horse activities). Your little ones are bound to enjoy the ranch’s natural water slide, and the quality time spent around the evening campfire.

Are You Interested in Other Ways to Save Money?

If you’ve enjoyed this piece on affordable dude ranch vacations, we’re sure you’ll love our other content.

We understand family life gets expensive. So our blogs committed to providing information on living a high-quality lifestyle for less.

We cover everything from thrifty DIY hacks to cooking on a budget we’re sure we’ll have a post on something you’re hoping to save money on.

If you have any questions or would like to reach out to us, please feel free to fill out our contact form. One of our friendly team members will get in touch as soon as they can.

Top Wealth Planning Tips for Millennials

adobestock 61403961Millennials are stuck in a weird financial situation.

Currently, Millennials are between their mid-thirties and late teens. This is the age group that commits reckless behavior or is in the beginning stages of buying a house and excelling in their career.

We’re at the point where Millennials should start investing. Our consumerism society makes it easy to spend money. Trends such as crazy food, fashion, technology, and travel can eat away at your bank account.

Living the luxury life isn’t wrong — you have to share something on your Instagram, right? But there are ways to develop good savings habits so you can do more fun things during these crucial moments in life.

Here are some wealth planning tips, specifically for Millennials.

Stop Going Out So Much

Millennials are at the party age. This is a common age group where you want to drink and have a good time. Even though our parents give us the judgmental glare, they can’t deny they went through the same phase, too.

But party days are no longer rummaging through your parents’ liquor cabinets or buying some alcohol at the nearby liquor store.

Millennials want to go out. They want to drink fancy cocktails. They want craft beer. They want wine and specialty food.

All of this adds up, and you’re left with an empty bank account and bad wealth planning.

If you want to save money, you can agree to hardest part about saving is saying ‘no’ when a friend asks you to join them at a brewery or an expensive cocktail lounge.

This doesn’t mean you can never go out. But limit the number of times you go out.

Instead of going out every weekend, make a day once a month to go out with friends. Or save going out for special occasions, such as a birthday or other life event.

Don’t Buy the Latest Technology

Once Apple and other major tech companies announce the new iPhone and other gadgets, Millennials flock to the store to be the first ones with the gadget.

And phones aren’t the only gadgets. Video game consoles, games, tablets, and smart TVs are perfect examples of expensive tech that Millennials completely eat up.

But this habit can ruin your bank account. However, there’s a difference between an investment and a novelty purchase.

Say you have an older smartphone that’s starting to decrease in quality. It loads slow, the battery dies quickly, and you’re unable to properly use your apps. Therefore, it’s time to buy a new phone.

But rather than splurge on the latest phone, you’re wealth planning. You take about six months and save for it.

Or, you lease the phone through your cell phone carrier. This way, a small charge is added to your cell phone bill and you don’t have to put down a lot of money.

But you don’t have to buy the latest gadgets when they’re immediately released. You’re putting down a lot of money at one time, resulting in a low balance bank account or risk of being in debt.

Get in the Habit of Actually Saving

While cutting down on expenses is great advice, Millennials need to be taught wealth planning. And once you do, this habit will come naturally.

Start by saving $20 a week. By the end of the month, you’ll at least have $80. After a year, you’ll have about a grand saved.

Don’t have $20 each week to save? Start saving some loose change. Even putting away 50 cents a day equals almost $100 in your savings.

Building a savings account doesn’t require several thousand in the bank. Even an extra $500 will prepare you for a dire situation and an unexpected expense.

Depending on your bank, you can set up automatic savings that transfer a certain percentage of the money in your checking to your savings.

But if you want to start saving for your future and for retirement, you need to really be responsible.

Open up a separate retirement account. Invest in stocks or bonds so your savings can accumulate faster. If your employer offers retirement savings or a 401k, take advantage of those benefits.

And whatever you do — don’t touch that money unless you retire. Consider opening a special account that charges you a large fee if you take any money out.

Saving money can mean having a small savings account or a retirement account that will last you a lifetime. The most important thing to do is save money, regardless how you do it.

Make Smart Purchase Decisions

It’s inevitable — you’ll have to splurge occasionally.

Even when trying to save, the burden of Christmas presents and birthday gifts is still upon you. Even small purchases make an impact; how often did you forget to go to the grocery store and opt to just eat out?

But when you do splurge, make the most of it. Meaning, be smart about your purchases. Making impulse and last-minute spending decisions could leave you in debt. Instead, think of purchases that matter.

For major purchases, such as buying a car, make sure you research the car and test it out. Don’t settle for the hot sports car — buy a car that will last you years.

Be sure to understand the lease, your interest rates, and if the new car will affect your insurance.

For smaller purchases, make sure you’re spending well. Meaning, don’t buy clothes unless you need to. A perfect example: say your new job requires a certain dress code and you don’t have many clothes in that category.

When going out to eat, avoid appetizers and upgraded side options. Only eat out at nice restaurants during special occasions.

Time to Get Better at Wealth Planning

With the way Millennials are spending, it’s easy to be broke or fall into debt. Make smart purchasing decisions and start saving.

There are many money saving options that create a rainy day fund and helps prepare you for retirement. The longer you procrastinate to save, the harder it will be. Start saving today and be prepared for anything life throws at you.

For more money-saving tips, visit our blog.

Tips for Getting a Great Price on a New Web Camera

adobestock 34299159Webcams have become a staple in our society. We use them to communicate with friends and family.

Webcams are useful for long distance job interviews and other areas of the professional world. And webcams help you keep in touch with people who live far away.

Webcams are useful for a variety of reasons. But if your laptop or phone isn’t built with a webcam, buying one can be expensive. However, there are ways to save money on a new webcam.

Don’t be behind during a long distance work conference or keeping up with the long-distance family member. Here are ways to save money on a web camera.

Read Reviews

Buying a cheap webcam may seem like the best idea.

But there’s a lot that goes into the quality of a webcam. Common issues faced with cheap cameras include low resolution, low frame rate, and bad focus. You want a cheap web camera, but you don’t want one that’s bad quality.

It’s important to read reviews. When you see a cheap or discounted webcam, be sure to research the camera.

The best way to be sure a camera is a great quality is to see what others have said. Go to the retailers’ page and read the reviews. You can find professional reviews and even demos online.

There are also articles that review different cameras and includes the prices. Find these articles and find a great webcam that’s affordable.

While a cheap camera may not be the best, you want to pay for some kind of quality. You don’t want your camera buffering or showing a low-res image when you’re talking to your family or a future employer.

Buy an Older Model

It’s not uncommon for a camera to have a price reduction; when a company releases a newer model, they discount the older model, even though that camera is still great quality.

Maybe there’s one particular camera you had your eye on. But don’t purchase that camera immediately.

When it first goes on the shelf, it’s more expensive. Wait a year and buy it. After the camera has been out for awhile, it’s reduced in price. When an updated or new camera is released, that camera will decrease even further.

Look for Discounts

What’s the best way to get amazing quality web cameras for cheap? Find discounts. You can even find good discounts on HD-quality webcams.

Just be careful about the sale cameras. Some of these are off-brand and cheap models that didn’t sell, so retailers offer them at a cheap price to get them out of their inventory.

But if you can get a nicer camera for a discounted price, you might as well look for high-quality and brand name cameras that are on sale or sold cheap.

You can find these cameras online and at discounted retailers.

Black Friday and Holiday Deals

The easiest way to find a high-quality web camera for cheap is by looking for Black Friday and other holiday deals.

With eCommerce options and in-store specials, there are lots of ways to purchase an amazing webcam for cheap during the holidays.

Black Friday and Cyber Monday are your best bets. The discounts are the best, you can avoid waiting in long lines when you order online, and there are plenty of webcams to choose from. But keep in mind, these products usually sell out fast.

If the webcams sell out on Black Friday and Cyber Monday, most stores have deals all throughout the holidays.

Even after Christmas, you can still find discounted cameras. These stores are trying to sell their holiday inventory and open up their store for new products.

The holidays are the perfect time to treat yourself to a discounted webcam.

Know the Price Range

Compared to other cameras, web cameras aren’t that expensive.

You can get a decent webcam for about $50. Compared to other cameras, that go for at least $200, the price of a webcam isn’t bad at all. There are more expensive, but these are the extremely fancy cameras professionals use.

If you’re looking for a webcam for gaming or for communication, you don’t need anything fancy. But you do want a camera with good resolution and durability.

For the good quality cameras with bare minimum features, you should know their price range.

For a decent camera, expect to spend between $20-$55. If you’re buying a camera in the $20 range, expect it to be an unknown brand so be sure and do research. Name brand and great quality cameras are between $30 and $50.

Anything above $50 and you’re getting some of the best webcams on the market.

These cameras are best if you stream yourself gaming or offer any online classes. But if you simply want to talk to friends and family, the lower price webcams will work fine.

When You Will Need to Spend More on a Webcam

You can’t beat the price of a traditional webcam, but you may need a specialty web camera.

These are more expensive. If basic webcams won’t satisfy your needs, you need to know when you need to shell out more money. Fortunately, there are cheap options with these cameras.

Security Cameras

If you want a good security camera system, expect to spend at least $100.

These cameras are concealed, oftentimes looking like another object.

But fortunately, you can get these cameras discounted. A perfect example is Sentel Tech wifi camera. These cameras are amazing, offers more security for your home, and they regularly have sales.

Network Cameras

These cameras are similar to standard web cameras, but transmit the data through a wireless network.

These are mainly used for television, security purposes, and video conferences. The main difference is these cameras need to be connected to wifi.

Expect to spend around $300 for one of these cameras.

Time to Buy a Cheap Web Camera

Webcams can do a lot. You can talk to friends or have a long distance job interview.

Some even have the technology to record and stream. Whether you want a fancy webcam or a standard one, there are ways to find discounted webcams.

For more ways to save money, look at our money-saving advice.