Mommy Pehpot, Author at Mommy Pehpot

4 Tips To Planning A Great Family Vacation Without Breaking The Bank

The summer is here and it is time to go on vacation with family or friends. Planning a great vacation can take a lot of time and careful consideration.

Also must read: Kinder Joy

Depending on where you go and how many people are traveling, it could be a challenge to make sure that you accomplish everything that you have in mind for a fun trip. Many activities can be costly but they do not have to be. This article will provide some tips on how to plan a great family vacation without breaking the bank or going over budget.

Transportation. Whether you are going somewhere with your car or you are traveling by plane, you can use public transportation to get to where you want to go. Many cities have public transportation systems that include taxis, buses, underground subways, or trains. Taking public transportation is often less expensive than renting a car or driving your own car and having to pay to park at your destination. If you are not one who prefers to travel on public transportation, you can hire an Uber or Lyft car. The easiest way to do this is by using the many Ride Share Apps that are now offered on smartphones. Save time, money, and yourself from frustration by hiring your transportation while on vacation instead of renting a car.
Food. When at all possible try to get a hotel room or rent a house so that you can make meals for your friends and family. Going out to eat can be a fun every now and then but it can cost a great deal of money over time. You can save money and eat healthy by going to the supermarket and picking out fresh fruit, vegetables, meats, and cheeses and cooking healthy meals at home.
Book your trip early. Often times the earlier you book your trip, the more likely you will be able to find a package deal for less than if you were to wait. It is also nice to plan ahead so that you can prepare all year long for your trip. Instead of having to buy all the items you need right before your trip, you can space them out over the year and maybe even purchase things on sale at the end of the season. For example, if you book your family vacation for June 2018 in June 2017, you have an entire year to plan and shop sales for items such as beach towels, swimsuits, sandals, shorts, and short sleeved shirts. By purchasing items on sale, you can save a great deal of money.
Pack light. If you are traveling to your vacation destination by plane, you can save yourself a chunk of change by packing light. Many airlines charge a hefty fee to check your bag on the plane but sometimes if you carry on a bag you can avoid that fee. By carrying on your bag, you also do not have to worry about the stress of losing your suitcase if you choose to check it.

There are many ways to save money on vacation and these are just a few of them. Plan ahead and save your money and you will be off to a great vacation.

Kinder Choco Cereal Review

No Kidding, My Kids Love New Kinder Choco Cereal. Sofi even volunteered to star on a Kinder Choco Cereal Review video. Yes, you read it right. Kinder has another surprise for our children. Kinder is the maker of Kinder Joy, which is very familiar to our kids and to us mommies (aminin nyo yan! Kay bagets ang toy, kay mommy ang fudang). Eh sino ba naman ang hindi mag kaka joy? Do you get a snack and a toy in one packaging, who doesn’t love that?

Kinder Choco Cereal Review

Kinder Choco Cereal is a yummy snack that composed of cereals, milk and chocolate cream. It also comes with a spoon. The snack is very compact, and you can even put it in your pocket. It is perfect for daily breakfast and even as a snack for kids’ school days. Sofi insisted on buying more because she likes it and her brothers like it too.

Good thing that it can be easily found in leading supermarkets nationwide. If your kid is a huge fan of Kinder Joy, surely he will be a fan of Kinder Choco Cereal too!

Save Up Money Helping Guide For Young People

Saving up has never been more important. Right now, our experience tells us that it is so hard to save up when everything else so expensive. But it might be helpful to think about the goals of why we are saving up. It should not be about concert tickets, though, because the motivation to save up for them may not be as strong as, say, your first apartment or a laptop. It doesn’t mean that you should not go to concerts, but it would be nice to be able to spend on something that is considered to be an investment for the future or to better the present.

For this reason, investments like bond mutual funds have become popular with people. The best thing about this is you do not need a lot of money to be able to start investing in it, in fact, if younger kids have saved up a significant amount from their allowance, they can start growing their money while they are in school. So now we are presented with a way to grow our savings, and all we need to do is start an investment account and allow the manager to handle it for us.

Sounds like a good plan, right? But before you start running to your bank or an investment firm, let us help you save up for your first investment first. Here are ways in which you can start saving, and hopefully, it will help you in other areas of your life as well.

Delay of gratification
You have probably done this without knowing it, especially when you are saving up for something that you really like. You tend to gravitate towards the cheaper brands of shampoo or soap, and sometimes you do not go out much so you can just stash your money away. But a delay of gratification is not just about foregoing things we normally enjoy so we do not spend much, and it just means self-control. For instance, you can limit your splurging to a fixed amount, once, every month, it is up to you what it would be.

Another scenario you want to avoid is using your credit card to buy an item now and pay for it later. Doing that is fine, that is what credit cards are for. But the best way to make sure you are not going to touch your savings because you cannot pay your bills with money on hand is to save up for the item first before charging it on the card.

Learn how to manage your own finances
The best thing to do when it comes to money is knowing at least the basics of financial literacy. It will help you when you are managing your finances. Allowing other people to handle it for you, like relatives and friends, might cause more trouble than you might think. In any case, you can always ask for professional help from a financial advisor to guide you when you are budgeting or when you are already starting your investment.

Allot money for emergencies
After paying the bills, try to put aside money as your emergency funds. It does not have to be a big amount because if you do it constantly, the money will grow. Having emergency funds, you can dip in will help you avoid withdrawing too much from your actual savings account.

These are basic ways to save up for an investment, or even for making purchases like cars or a house. You can also check PAMI’s Summer Shop or Go Promo to know more about some of the instant rewards you can get for investing today. Keep these things in mind, and you will get used to a habit of smart spending in no time.