Tag Archives: tips

Top Saving Tips For Summer Camp

05/29/2018 R.C. Liley Leave a comment

Sending your kids to summer camp is an enriching experience for them. It can teach them all about team work, decision making and interacting with others. They get to learn new skills, and build up resilience, which will definitely benefit them in adulthood. However paying for summer camp can also be an expensive experience for parents. The average cost of a day camp is over $300 per child. If you are looking at private or speciality camps, these can cost between $500-$1000 per week. For many parents, this is a necessary cost, when they are juggling work and childcare over the summer months. So how can you make allowances in your budget to pay for summer camp?

Using a dedicated savings account

There is no way around it, keeping children entertained costs money. When they are young, it is worth setting up a dedicated savings account kept solely for funding things like summer camps and school field trips. By paying a little into this account regularly throughout the year, you will be able to budget better for the summer months when they aren’t at school, and need entertaining. Managing your family finance can be made easy, simply by setting up a regular payment into this dedicated account. For instance, if you know that you need to pay $300 for camp, you’ll need to put by $25 a month.

Have a clear out

Part of really good spring cleaning, is getting rid of all of the clothes that don’t fit anymore, and the toys that are no longer played with. Every year, set by a weekend to have a clear out. You could decide to have a yard sale – you will be surprised how useful your unwanted possessions are to others. With the average price of a yard sale item being 85c, it could potentially make you hundreds of dollars to put towards camp costs. Alternatively, it is worth listing items that are in good condition on eBay, Gumtree, Craigslist or one of the local Facebook selling pages. Not only will you be able to make a little money to put towards summer camp, but you will be making your home more organized and tidy.

Look into bursaries and grants

Many summer camp foundations offer a limited number of grants to children that they feel would really benefit from the camp, or that have done something community spirited during the year. These grants recognize that there may be families that can’t necessarily afford the cost of a summer camp experience, but have children that deserve to take part in engaging and interesting activities. These funding opportunities are open to everybody.

Summer camp is a wonderful and exciting experience for children. With some regular saving, your children can spend the school holidays learning new skills and meeting great friends.

Life

Why Everyone In Their Twenties Should Have Life Insurance

05/29/2018 R.C. Liley Leave a comment

Life insurance is something that many of us in our twenties won’t even consider as an issue we have to deal with. When we are young we often feel invincible, and the idea of planning for the future with life insurance doesn’t feel like something we need to do at all.

However, today we are going to talk about why every young adult should get a life insurance policy and why it is so important at a young age.

Lower premiums

When you are looking into life insurance, the main concern which you may have is the cost of the premiums. Life insurance can be pretty expensive when you take it out, but the younger you are, the lower your premium will be. As a young, healthy adult you will be accepted much quicker for a policy as the risk is lower. You can take a look at different life insurance policies and reviews such as this policygenius review to see what a difference it can make to your costs overall.

Get covered before illness

Illness is one of the main issues that older folk have when they sign up for a life insurance policy. It stands to reason that the older you are, the more likely you are to suffer an injury or illness. Having a serious condition can make you immediately uninsurable and this can stop you being able to protect yourself and your family if something does happen to you in the future. One of the insurances you should consider adding to your list is vision insurance.

Protect your family

If you are about the start a family or you have a young family at home already, the best thing you can do to protect them throughout their lives is to get a life insurance policy. Having life insurance ensures that if you suffer an untimely death, your family won’t struggle to pay the mortgage and other bills in the home. They will instead be able to cope with their lives financially and be left to grieve in peace, without stress.

More cash

It is a simple fact that the longer you pay your premiums for a life insurance policy, the more money you will have at the end of it to use for your family.
Saving up from a younger age, like you would with a pension, can make a huge difference to the final payout and it can make a positive difference to the lives of everyone you love after you die. You can even use the cash values to pay off any debts you have and help you stay financially stable throughout your life.

Preparing early for the future is something we all need to think about doing for our own sake and the sake of the people we love. It is important to get these things out of the way with early in life to allow you to live stress-free, knowing that if anything ever happens you are protected. Life insurance is a crucial thing for anyone, and you should take the time to open a policy this month.

Life, Parenting

Give Your Children A Taste Of Your Own Childhood!

05/25/2018 R.C. Liley Leave a comment

Pexels

It might be worthwhile to give your children a taste of your own childhood! Not only is this a fun activity for the both of you, but it can help you bond and help them gain an understanding of your life at their age. The first step will be to remove all unnecessary devices on a weekend. This means planning in advance to go without phones, games consoles, laptops or any other form of electronic devices that swallows their time.

Now, children love these devices, meaning that this might be easier said than done. However, planning this in advance and ensuring a fun and long weekend of activities can help mitigate this a little. Next, consider the following:

Camping & Playing Outdoors

You might decide to embark upon an outdoor retreat, where you relax with your children, cook marshmallows on the fire, and tell spooky stories. You might simply do this in your backyard for ease of use, no need to head to the ends of the country to experience this unless you really need to. Then you might consider playing party games, having a party, or playing fun games like ‘army’ in the local woods. You might choose to buy a Spud Gun, the old classic weapon of children, and show them how it works. You might head on a nature trail, or play with a kite on the local beach, or build a treehouse with them out of planks of wood and nails. This can be an awesome thing to consider as long as you’re willing to put the effort in, but remember, it’s not exactly the safest thing you can construct for your child.

Movie Night

Why not have a movie night, spent watching the movies that were important to you as a child? You might even go all out and purchase a 4:3 boxed television and a VHS player to watch them in the quality you did as a child. Make your favorite childhood meal (and load up on the snacks and sweets,) and keep an indulgent evening relaxing with your children and experiencing something truly wonderful with them. After all, children know not what they have with the current movie effects they can see and take for granted, and the fact that Marvel’s cinematic universe is amazing and displays exactly what we had in our heads the whole time.

An Action Packed Day

What were the most important activities to you as a child? The ones that you truly enjoyed? Could it be bowling or go-karting? Paintball or fun outdoor sports? There’s more than likely going to be a center around you that offers this form of wonderful pursuit, and taking your children here can give you an incredible experience away from screens, maybe showing them the benefit of heading outside in the pursuit of sports or rough and tumble play.

With these tips, you are sure to give your children an excellent taste of your own childhood. Reminiscing has never felt so good.