Tips

Want to Get Your Finances in Order? Here’s how to Do That

02/21/2022 R.C. Liley Leave a comment

Do you feel as though you need to get your finances in order? Maybe you just have no idea where to start and you don’t know how to make a plan. Or do you often wonder how to get car insurance discounts? Either way, this is the guide for you. Here you will find out what you need to do in order to get things back on track, while also being able to take control of your money once and for all.

Establish a Good System for Paying Bills

One of the hardest parts of managing your money is trying to keep track of your due dates for bills. You may find that you have to pay out for things such as water, mortgage, energy, rent, internet, cars and credit cards. It’s not hard to see that things can quickly spin out of control and if you are not careful you may find that you end up struggling to stay on top of things. If you want to avoid this then you need to try and make sure that you are making payments for things on the same date, and that you have secured the best possible deals for the services you are paying for. You can use online resources to find the best monthly price for your monthly bills. For example, searching ‘internet options for my address‘ will allow you to compare quality and service, as well as price, so you can pick the best provider for your needs. In terms of payments, if you are not organized, then late payments can impact your credit rating more than you realize and this is the last thing that you need. Having a payment plan can help you here, or you may even want to try and create some form of automated system. For some of your bills, it may be that you want to go online and then set a reoccurring payment for your bills each month. Your credit card history will have the biggest impact on your financial situation, so if you can take steps now to try and keep it positive for the future, then this will work in your favor more than you realize.

Deal with the Debt you Have Now

If you want to get a good idea of your standing with the debt that you have, then it is a good idea for you to make a list of all the people or institutions that you owe money to. Although this is a very simple step, you have to remember that this can make the biggest difference when it comes to visualizing the situation that you are in. If you can, it is a good idea for you to try and get a copy of your credit report too. If you see something on your report that doesn’t look right, then you need to dispute this and you need to talk with your creditor if possible. When you have identified your debt, you can then make a plan that will help you to repay everything. You can do this by beginning with the smallest loan that you have, and then working your way up to the loan that has the highest interest rate. Things like this can help you to adopt the snowball technique when it comes to paying your debt. If you want to do this, then you need to try and take a list of all your debts and you need to tackle the highest-interest one first. When you have paid this off, you can then put that amount of money towards your second-highest debt and so forth. Things like this can really help you to maximize the amount of money you have, and it can also help you to make your situation much more positive overall.

Review your Insurance

It doesn’t matter whether you feel loyal to a certain insurance company or whether you are happy with the service you are receiving because you have to make sure that you shop around for some quotes. If you review the insurance that you have now and if you take the time to seek out new quotes, then this will help you to make sure that you have the right amount of coverage without you concerning yourself too much with overpaying. You should also take the time to review the policies that you have if you have undergone a major life change. This could include if you have been through a divorce or if you intend to retire soon. Remember, if you do need some financial support following a divorce, then there is help out there for you if you look for it.

Round up your Financial Documents

Financial documents are super important, and it is very easy for you to misplace them. You have to remember that you can avoid all of this if you try and create a financial planner. You can also use a binder if you want to keep all your documents where they belong. This is a very good thing to do if you are naming beneficiaries if you should have an accident, as they will have all of the information they need to get things in order. When you do gather your documents, you also have to make sure that you get anything that could impact your finances. This would include payments that you make on a yearly basis as this could also be impacting your finances.

Gather your Digital Documents

The digital world seems to be growing more and more by the day and it may be that you prefer to opt-out of using paper documents. Either way, it doesn’t matter what method you use because if you have digital documents then you have to make sure that they are all in a very easy to access location. Don’t keep them on your computer, and instead use a hard drive as this could be the best way for you to keep everything safe. If you have some digital documents and some hard-copy documents, then you may find that it becomes harder to manage everything and this is the last thing that you need when you are desperately trying to stay organized.

Set a Recurring Date

Planning a recurring date is the best way for you to carry out a financial check. You may find that this helps you to stay organized and that you can also find something that helps to suit your lifestyle. If you want to avoid forgetting about your checks, then it is a good idea for you to mark them in a planner, or for you to set reminders. You can do this on your phone if you want. Things like this are the best way for you to make sure that you are not overlooking certain parts of your finances so keep that in mind.

Automatic payments

Sure it is very important for you to do full checks from time to time so that you can assess your financial health. You should also take the time to review the individual aspects of your financial situation on a regular basis. You do not want to wait until you have your yearly check-in to check your credit card or even your debit card balance. This should be done around once a month, if not more often if you are able. If you do this, then you can stop certain payments from getting out from underneath you, and you can also manage your payments much easier. Things like this are ideal if you want to try and stay on top of things.

Open Different Accounts

Another thing that you need to do is open an additional account if you have different goals from before. When you have more than one source of income, you may find that it is simpler to have each one deposited into a completely different account. Every account you have should have some kind of goal attached to it. If you do this, then you will soon find that it is easier for you to stop spending money that you were supposed to be using for something else.

Get your Family on Board

It is also important that you get your family on board with your plans. If you can do this, then you will find that everyone is able to follow the same goals that you have set and that everyone starts making better financial decisions. If you can do this, then you will soon find that things come together for you and that you are able to better your financial situation way more.

Of course, there are many things that you can do to try and better your financial situation but if you follow this guide then you may find that you are able to turn things around once and for all. It doesn’t matter whether you want to eliminate stress or whether you want to start clawing your way out of debt because it is now easier than ever for you to take charge of your financial situation. You just need to make sure that you are doing what you can to be mindful of what you are spending money on and why. You also need to do regular check-ins with your bank account so you can see what your biggest expenses are, when they come out and what you can do to limit them, so you do not continue with a spiral of debt.

Health, Life, Parenting

A Bereaved Father’s Commemoration to Late Daughter: Baby Aviva Orangutan Diva (Children’s Book)

02/21/2022 R.C. Liley Leave a comment

A father’s life is completely changed the moment he holds his child for the very first time. Fathers receive a new outlook on the fragility of life while he cradles his tiny child in his arms. Time becomes a precious commodity and the things we thought were important are re-prioritized. A father’s new priorities entail a well-nourished baby, clean diapers and a schedule that accommodates for naptimes. Even though we get less sleep, we are awestruck by the miracle that is life, and we start dreaming about our child’s future: her first words, her first day in kindergarten, her college graduation and watching her grow up into a thriving adult.

But what happens when that dream ends? What does a father do for his child when the unthinkable happens? After enduring the catastrophic tragedy of my daughter’s death at 10 months of age due to an undiagnosed illness, I held her in my arms and promised that I would share her story with the world. Losing my precious daughter at such a tender young age has cut short that future I had envisioned for her. Aviva was full of life, love, laughter and had a contagious personality that lit up the room. Her story was cut too short. Knowing that such a force of life was taken from my hands far too soon has been beyond devastating. However, as a father who still believes in giving his daughter the best possible future, I’ve been motivated to share her life’s story with all the children that never got a chance to meet her with the hope of inspiring others.

The main orangutan protagonist in the book, Baby Aviva Orangutan Diva, embodies my daughter’s personality and characteristics including courage, joy, charm, fearlessness, teamwork and grace. Relying on her vivacious spirt, musical melodies and can-do attitude, Aviva the Orangutan Diva’s quest for golden bananas leads her to confront dangerous encounters and overcome obstacles for the benefit of her community. The uplifting children’s book on jungle animals teaches kids many important lessons including overcoming fears, adapting to new environments, the importance of teamwork and staying true to oneself. By remaining true to own’s most authentic self and finding strength from within, almost anything in life can be accomplished and anything is possible.

As a heartbroken father and first-time author, my simple goal for the book is to spread my daughter’s joy, charisma, personality and love with all the children she would have met around the world. Although I can no longer hold her in my arms, I look forward to the day this book brings smiles and joy to children reading it with their parents all over the world. Perhaps it will even bring fathers closer to their own daughters, knowing nothing should be taken for granted in this life. Through this, my daughter Aviva will live on, and her legacy will continue. Even though she’s no longer physically here, it is my simple hope that her legacy can have an enduring impact on many others around the world. As a father who has lived through the unthinkable, my dream for my daughter never ends: I still believe she can have a positive and impactful future and I’m excited to see how Aviva’s story unfolds.

—-

Author Bio:

Hans Kullberg is an Author, specializing in Children’s Books, Grief and Parenting Books. Hans is a loving father of 4 wonderful children and prides himself on being a father first and foremost, cherishing every moment of his fatherhood journey. Also a serial entrepreneur in the non-profit and for-profit sectors, greatest pleasures of parenthood are bringing smiles and joy to his children and he loves watching them learn and grow. Making up silly, fantastical tales of dragons, race cars, flying unicorns and laughing llamas at bedtime every night is just part of his parenthood duties.

Due to the unexpected tragedy of losing his daughter Aviva at 10 months old, Hans is motivated to share her fearless character, fun-loving spirit and vivacious personality embodied through an orangutan in Baby Aviva Orangutan Diva. Even though she is no longer here to meet friends, Aviva can still change lives and create positive impact through the messages of this book including overcoming adversity by using your inner strengths, never judging a book by its cover and staying true to yourself. That is her Dad’s ultimate hope and motivation for writing – to bring smiles to children all over the world while sharing his daughter’s beautiful story and turning sorrow into a wonderful legacy.

Knowing intimately how precious life truly is, his mission is to help other parents embrace the wonderful experience of parenthood to the fullest, always cherishing our children by leading with love. In addition, through sharing his story about the most difficult tragedy a parent can imagine, he hopes to bring attention to the often-overlooked grieving journey and how supporters of bereaved parents can provide comfort simply by showing up. Grief is a process that society in general doesn’t necessarily embrace well and, through an upcoming book on the grief journey, Hans hopes other bereaved parents will be adequately supported during the time they need it most.

Going Reviews, Life, Lifestyle

Viking Tactical Motorcycle Sissy Bar Backpack

02/18/2022 R.C. Liley 2 Comments

Motorcycle riding has become a part of our lives. Of course, motorcycles are an easy means of transportation and thrilling at the same time. Now, what makes a motorcycle your good commuting partner.

Here, in this review article, you’ll get the answer to this question. So, stay with Going Dad and keep reading.

Other than the best quality motorcycle riding gear, a quality motorcycle luggage bag of any type is what makes your motorcycle a good commuting partner or source.

There is a vast variety of motorcycle luggage bags available and every motorcyclist picks up according to their liking or need. So, this piece of work is for those who do not like to give their bikes a bulky look and in the meantime, they also need an alternative luggage compartment to carry their stuff.

If you fall in the same category as me, motorcycle saddlebags are the true option for you. They can do all for you if you know how to get the maximum output from them. So, here we will be reviewing the Viking Tactical Motorcycle Sissy Bar backpack to find out, how good it is and it is capable of being called your riding partner.

Let’s begin with the adjustable sternum clip and waist straps that come standard on this Large Tactical BackPack, which has a storage capacity of 2700 cubic inches. Ergonomically built with hook and loop ties for easy off-the-bike carrying. Further, it also has padded shoulder straps that can be stowed when you want to secure the bag to the sissy bar or can also be used as a conventional backpack. The top compartment features Velcro strips for adding your patches, although it comes complete with the removable USA and Viking Bags patches. You can add more according to your likings.

In addition to that, it comes with two additional cases: one for sunglasses and one versatile pouch for external storage that can be quickly attached to the front compartment’s webbing. Both bottle holders are large enough to carry two 25-ounce side bottles. The best feature of this bag is that it opens flat to 180 degrees, making packing and unpacking a breeze.

Moreover, my favorite thing about Viking Bags is their real-quick shipping system. Your product will be shipped within 24 hours after placing your order. Additionally, they send you the tracking number of your product via email, so you can easily track the location of your product and how long it will take to come to you. And, within 3-5 days your order will reach your doorstep.

I hope you liked the review and you will help find yourself this cool motorcycle sissy bar backpack by visiting Viking Bag’s official website at www.vikingbags.com