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Protect Yourself with Money Transfers

Digital money transfers are easier than ever today. All you need is an account and routing number and you can send almost any amount of money, anywhere in the world in just a few minutes. It’s an incredible concept when you consider that a decade ago, you had to wait for a check to arrive in the mail. It’s even more amazing to consider that a little over a century ago, Wells Fargo was sending money cross country by coach. Digital money makes getting your money to the right places in a timely fashion.

There is a small charge for the transfer that will be provided at the time of transfer, but it is a small price to pay for the convenience of crossing thousands of miles in the blink of an eye. The people that need money will get it without delay and you can feel confident in the assurance that you have protected your bank account information.

Sometimes it’s appropriate to give your account and routing numbers to places that will continually send you money, i.e. employers. But for one time transactions, you want to keep this sensitive information close to the chest. Money transfers through places like Check City, via Western Union, make it possible to send your money anywhere around the world. All the recipient needs is a valid photo ID and the confirmation number the sender gets at the time of transfer, which can be given over phone or email almost instantly.

With that in mind, it is never a good idea to give your personal identification information out to just anyone just for a convenient product or opportunity. These things define who you are to agencies, employers and your country. If fraudulently used, it could ruin you in the eyes of society and financially, even though you are free of guilt. Protect these confidential areas of your life as much as you can.

3 Beneficial Budget Vacation Ideas

Budgeting While on Vacation

While most people go on vacation to get away from the stress, tasks and everyday living, the logistics and finances of taking a trip often wind up adding to that stress. The ultimate goal is to get maximum joy out of your vacation, while maintaining minimal stress.

To reduce the stress of taking a trip, you’re going to have to come up with a vacation budget. Your vacation budget should be separate from your everyday budget, and you should do your best to predict and anticipate all your expenses before you step on a plane or pull out of the driveway. Without proper preparation, you could find yourself racking up unnecessary expenses, or worse, stranded far away from home. Coming up with a good budget is one of the great budget vacation ideas.

If you’ve ever been on a vacation that went exactly as planned with no unexpected expenses, then you’re very lucky. The vacations that the rest of us take are full of surprises, twists, and turns. In fact, that’s part of the fun of going on vacation—the little adventures that pop up that you can never plan for.

Crafting Your Unique Vacation Budget

Between the cost of travel, food and lodging it can get very expensive to take a vacation. When you know that you are going to want to take a vacation, there are many ways that you can minimize the cost of traveling. First, it is important to understand what your budget is. You want to make sure that you have a firm budget in mind and that you are going to be able to afford to go on vacation.

While you are setting your budget, you should figure out how much money you are going to save and how long you will need to save to make that goal. Saving is key—overall everyone spends more money while they are on vacation than when they aren’t. Unless you want to go into debt, you’re going to have to spend the weeks and months leading up to your vacation saving as much as you can.

If taking regular vacations is important to you, you can even set aside money for a vacation fund in your regular budget. That way you’ll always have vacation money, even for those spontaneous road trips.

When you sit down to craft your vacation budget, be prepared for surprising expenses. It’s always better to over compensate when it comes to vacation finances. In addition to the cost of activities and amenities, set aside money each day for spontaneous spending—nothing too crazy, just enough so that you don’t feel guilty about buying a cool gift or going on a last-minute night out on the town.

Booking Travel and Lodging

The ideal time to book flights and hotels is months in advance, not weeks, especially if you plan on vacationing during the busiest times for travel. When it comes to vacations, you will be rewarded exponentially for advanced planning.

While you are booking your hotel rooms and rental cars, you should ask for a breakdown of the bill that you receive. Make sure that they are providing you with the total, including tax. When you get the total ahead of time, you can be sure that there are no surprises when you are checking into your hotel or getting your rental car.

Take your time booking your flights and make sure you are finding the best rates. If you don’t feel like you are able to find a good deal, talk with a travel agent and book your flight through him or her. Websites that specialize in booking flights can also bundle hotels and rental cars so you can get a great deal. Sometimes these deals are temporary, so it’s a good idea to subscribe to the website’s newsletter for alerts and promotions on good deals.

We hope you have learned a lot and enjoyed these great budget vacation ideas. Thank you for reading!

2 Ways to Budget a Family Vacation

vacation budget

Nobody should tell you where to go on vacation. It’s your hard-earned money, and you deserve to take the vacation of your dreams!

Of course, the biggest obstacle for taking a vacation is money. Your financial situation will probably dictate how often your family takes vacations, and where you ultimately go. Hopping on a plane whenever we want isn’t a luxury most of us can afford. We have to plan ahead and make a family vacation budget in order to turn your dream vacation into a reality.

So how do you realistically plan to finance a vacation? There are typically two options:

Option 1: Let Your Budget Decide Where You Go

family vacation budget

There are literally thousands of amazing vacation destinations out there. But many of the most stunning vacation hot spots cost a lot of money. But if you don’t have your heart set on a specific location, then one tactic is to choose where you go based on how much money you already have available for a vacation fund. You might even be surprised at the amazing places you and your family can afford to visit.

You can spend less money on vacation by choosing cheaper ways to travel, or by going camping instead of staying at a hotel. You can also make vacation fit your budget by bringing your own food instead of eating out the whole time you’re away, or by going on a shorter vacation.

A good way to let your budget decide where you go on vacation is to create a small monthly vacation fund in your budget. By building up vacation savings, you’ll always have money available for even those small spontaneous trips.

Option 2: Pick Your Dream Destination and Save Up

family vacation budget

We all have those dream destinations that we want to visit. In order to check these vacation goals off your bucket list, you’ll need to save up enough money no matter how long it takes. To do this strategy right, you have to have a pretty good idea how much your dream vacation is going to cost. Do your best to estimate the cost of all your expenses, find your total goal amount, and start saving. Figure it into your monthly budget, and you’ll be on your way to that dream vacation your family has been waiting for.

When you finally do take the vacation of your dreams, all that’s left to do is plan your next vacation and start saving. Before you know it you’ll be adding stickers to your suitcase and adding tacks to that map on your wall!

Other Vacation Budget Basics

vacation planning

Every good family vacation needs a good budget. Once you’ve saved up enough money to finally embark on your trip, you need a plan for how you are going to spend your money while on vacation. How much do you want to spend on food each day? Will you be going to any shows or events while on vacation? Figure your entire itinerary into your budget, and make sure you have enough to cover all your planned activities.

There are many expenses you can plan for ahead of time, but there are also going to be unexpected costs that have a tendency to pop up. To safeguard against any surprises, you need to do two things:

  1. Include some extra money in your vacation budget for unexpected expenses
  2. Have a way to get a hold of emergency funds if you need them in a pinch

Sometimes the spontaneous happenings are the best part of a vacation, and if you’ve saved some extra money for this purpose, you’ll be more likely to go where the road will take you. And since there’s always the possibility that you’ll need access to emergency funds, think ahead of time how you’ll be able to get to those funds while on vacation.

For example, if your car breaks down, if you need to move hotels or even if the price of gas goes up as you are traveling you do not want to be stuck without the funds to travel safely. Should you need more cash, simply find the nearest Check City location and take out a cash advance or even have money transferred to the Check City location. If someone can wire you the money, you can pick it up at the nearest Check City.

It’s time to start planning your dream vacation—it’s up to you what strategy you’re going to take and how much you’re going to save.


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