How to Enjoy a Romantic Weekend Getaway For Less

weekend breakIt can be challenging to find time together as a couple if life keeps getting in the way, but getting away for the weekend might be the solution that you’re looking for. A short weekend break can help you to inject some important romance back into your relationship and give you the chance to spend some quality time together away from the daily grind. But, it’s not always affordable to book a weekend away, even though you’ll only be there for a few days. If you’re worried about how much it’ll cost, you can stop worrying on that front. You really don’t need to spend lots of money to enjoy a romantic short break, because there are plenty of ways to get away on the cheap and still have a good time. Here are just a few ideas for enjoying a cheap weekend break.

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How To Save Money Feeding Treats to Your Pets

a catGiving treats to your cat or dog can become expensive as they’re not always cheap to buy. If you don’t mind spending a bit of extra time and effort, you may consider making your own homemade pet food as “treats” every once in a while in order to save money and reward your pet. This can work out cheaper and at the very least, it allows you to take some control over what your pet is eating. However, make sure you do your research to make sure you are not overfeeding your pet a certain treat (this could be bad for the pet health-wise and might make them unwilling to eat their normal pet food, which contains some very essential nutrients to keep them healthy). Here are some recipes to try:

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Health Insurance Options For the Self-Employed

medical equipmentA good proportion of large debts, especially those that lead to bankruptcy, are at least partially caused by big medical bills that couldn’t be paid. To avoid being placed in this situation, most of us look to take out health insurance for both ourselves and our families, but for the self-employed, the options can be much more expensive. Here are some of the options that you might want to explore:

1. Continue Your COBRA Coverage

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Money Management Tips for Living With Friends

Living with friends might seem like a good idea on paper, but it won’t always work so well in reality. While you may have plenty of things in common with your friends, are you on the same page in terms of your attitude towards money? The last thing you want to do is let money come in the way of something more important, which is your friendship. There’s a right way to handle the situation and a wrong way to handle it. On the TV show, “Friends”, there is a great episode where Chandler knows that Joey is broke and he feels so bad for him that he goes out of his way to try to give Joey some money. Unfortunately, TV shows aren’t real life, and most of us can’t afford to support a roommate. Here are some tips for staying sane while living with friends.

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Why You Should Say No to Retail Store Credit Cards

gold store cardIf you’ve been shopping in a retail store lately, you might have been given the opportunity to sign up for a store card. Having the chance to save 10% (this is just an example figure as the real percentage could be higher or lower depending on the store) on your purchases that day, and in the future it might look good on paper. But, you need to remember that store cards are just another form of credit, and you’ll be getting into debt by signing up for one. If that’s not enough to put you off, here are a few more reasons why you should stay away from store cards.

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What to Do If You Can’t Even Meet The Minimum Payments on Your Credit Cards

credit card stackIn an ideal world, you’d be far exceeding the minimum payments on your credit cards, but what do you do if money is so tight that even the minimum payments are out of reach? Many of you have faced a temporary situation like this at some point in your life, and it can take a toll on the other areas of your life when you know that you’re falling behind on monthly bills. As dire as the situation looks, you’ll be pleased to know that there are a few ways to get out of the mess without having to resort to the dreaded bankruptcy.

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Negotiating With Your Creditors: How to Pay Your Debts When Money Is Tight

payingdowndebtRealizing that you can’t pay your debts is a terrifying prospect, and it’s tempting to bury your head in the sand and hope that the situation somehow resolves itself. As scary as it sounds, you need to get in touch with your creditors and inform them of your situation so that they can be more receptive to the prospect of negotiating your debt repayments. Here are some tips for negotiating with your creditors:

Work out your budget

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You Need A Budget 3 Review (YNAB) – Ultimate Personal Budgeting Software

Creating a budget is essential for keeping on top of your finances, but drawing up your own often creates too much headache and not enough results.  We all know that budgeting is important, but actually sitting down and taking the time to write one is another story.  Fortunately, you don’t have to if you sign up for You Need a Budget (YNAB), because this budgeting software does the hard work for you.

What Is It?

YNAB uses what it calls the “Four Rules of Cash Flow” to help you manage your cash. These are fully explained in the introduction to the software, but here is some brief information on the four rules.

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Spending Money Abroad: Should You Use Credit Cards, Cash or Travelers Checks?

cashIf you’re traveling abroad, you’ll need to make some decisions about how you’ll actually spend some cash. Usually, the choice will be between credit cards and debit cards, cash and travelers checks. And everyone seems to have a different opinion as to whether you should take money out as you go with a debit card, bring cash with you, or take traveler’s checks.

Credit and debit cards

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Top Cheap Spring Break Destinations to Visit

exotic beachGetting away from it all is the perfect way to spend Spring Break, but how do you choose a suitably exotic destination without spending a fortune? You don’t have to spend a lot of money during Spring Break to go somewhere nice. You just need to be smart, pick a spot that makes sense, and make a few compromises. Here are our top picks for where to go for your Spring Break on a budget.

The Caribbean

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