How Your Kids Can Make Travel Magic Happen!Hey again! Remember how Peter Pan had a little helper sprinkling pixie dust to make dreams come true? Well, I've got some enchanting news for you. Your very own fairy helpers are probably running around your house right now. Yes, I'm talking about your kids! In my previous chat with you, we unlocked one of the best-kept secrets to planning your vacations – opening up a dedicated savings account. If you haven't read it yet, go back and have a look; it's packed with handy tips that'll help you create a budget and kick-start your vacation savings in no time. Now, let's talk about how to fill up that savings account, despite the whirlwind of family life and with no side hustle in sight. Ready for it? Bring the kids on board!  Saving Money in a Piggy Bank!
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Your Roadmap to Adventure PlanningHello again, Ever caught yourself daydreaming about your next adventure but felt your wallet holding you back? Guess what? You're not alone. Better still, I have the perfect roadmap to navigate these financial crossroads while keeping your travel dreams alive. Any financial guru worth their salt will tell you - it all begins with a good budget. Now, before you run a mile, hear me out. Budgeting doesn’t have to be as scary as scaling Everest Let's break it down:  Step one: Kick off with calculating your income. If you have a steady salary, it's a breeze. For those with a variable income, like yours truly, working with estimates or averages will be your go-to strategy. Step two: It's time to get up close and personal with your fixed and variable expenses. My preference is a biweekly budget, but if going month-to-month works for you, that’s wonderful. Start your budget journey by rounding up your fixed expenses, like your mortgage or rent, phone and utility bills, car payments, and minimum debt repayments. Once you've got a handle on this, it's time to subtract these figures from your income. What you’re left with is your pot for variable expenses! This part’s a bit of guesswork, but you've got this! Estimate your variable expenses, such as groceries, fuel, recreational costs, kids' activities, and of course, pet pampering. Review this at the end of each month or pay period to understand your spending patterns. Step three: Achieve a zero balance on your budget. This is where the magic happens. If you’ve got loose change left after all your expenses are covered, it's time to pile it into your savings or further reduce your debt. In the world of finance, we call this the zero-based budgeting method. If you already have a smooth-running budget mechanism, that's fabulous! Just tie in your savings goal to your current budget and designate an amount every month (or biweekly) towards your 'Shine under the Disney fireworks fund.' Remember, savings and debt pay-offs should be at the top of your plan.  But, wait, there's more! Let's supercharge that vacation fund with these savvy tips: Tip #1: If you’ve just cleared a payment obligation, like a car loan or credit card, reign in the urge to breathe easy. Instead, redirect that same payment toward your vacation savings account. It's like you're paying yourself for all the fun awaiting! Tip #2: To keep the vacation savings untapped, set up a dedicated account and schedule automatic transfers. I highly recommend opening a high-yield savings account where your money does some additional heavy lifting. Look at banks like Ally, Capital One 360, or Dollar Savings Direct for easy set-up. Tip #3: Declare all "surprise" money as dedicated vacation fund boosters. Think tax refunds, work bonuses, mystery checks, and even that $10 bill you found inside your winter coat! Make all these unexpected treasures part of your vacation fund. Now here's the ultimate hack to saving big on your trip: Commit to it NOW! It's no secret that as time passes, prices skyrocket. So why stall when we can start planning your dream vacation right away.
Start by scheduling a call with yours truly. Let's embark on the journey to making your travel dreams come true, one budget plan at a time! Dreaming alongside you! Although fall hasn't quite arrived here in Georgia, school is back in session and we're already feeling the heat of over a hundred degrees. It's the perfect time to start thinking about winter break trips! In fact, many people have already taken advantage of early discounts and secured their trips to popular destinations like Disney and Universal for Fall break. Winter break trips are going fast, with resorts still trying to make up for lost revenue due to the pandemic. While there are still some affordable options, hidden costs can quickly add up and take away from your vacation experience.
Disney Cruise Line may not be the cheapest family vacation choice, but it's definitely worth the splurge.  Today we are going to continue our discussion about Why a Special Needs Family Should Use a Travel Agent to Plan their Vacation. Last time we talked a bit about Expertise, Personalized Service and Saving time.  The stockings were hung... Today, thoughts turn to last minute gifts.
We are all busy and things fall through the cracks. We know. We all do it. We start off with good intentions, but we end up gong in five million different directions and somehow before we know it - Christmas Eve is here and we have forgotten an important gift! Who did you forget this year? In my last blog, I shared a great way to ensure you are continuously investing in your vacation. If you missed it, make sure you go back and check it out. There are some great tips and resources there, and I hope they inspired you to sit down, create your budget and designate a special vacation savings account.  You may be wishing you could start planning your next vacation, but you are worried about how you will afford another trip so soon. If you are comparing Disney Cruise Line prices to other cruise lines, you may be a little shocked by the price. But you are not comparing apples to apples because with Disney Cruise Line, you get SO MUCH MORE! Other cruise lines will nickel and dime you, but being on a Disney Cruise is like being at an All-Inclusive Resort. . .but at sea. Disney means quality, so you have a much better value for your money as well.  SUNSET FROM OUR VERANDAH Disney will be releasing their Early 2024 Itineraries SOON!  Disney Dream 2019 I know you are so busy thinking about back to school and the upcoming holidays that this is the furthest thing from your mind.
But I also know you want the best value for your hard-earned vacation dollars. |
AuthorMost of the content is written by people at JMorris Travel. Every once in a while we will have a guest blogger, usually it is part of our 'family'.Always with a nod to Family Travel! Archives
January 2024
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