Having a baby, and starting a family can be an exciting time in your life. However, bringing a little one into this world can be challenging, both emotionally and especially financially. There’s no getting around it: having a baby is expensive, and if you’re considering whether you’re ready for a commitment of this sort, it may be worth while taking some time out to figure out if you’re financially ready to have a baby. Here are 5 questions to ask yourself before deciding to have a baby that’ll hopefully help you make the right decision.
1. Do you have at least ,000 to ,000 in the bank?
Having a baby requires some initial investment in the form of prams, cots, furniture, clothes, car seats, and so on. That’s why it’s important that you have some substantial savings in your account to pay for these baby must haves.
2. Do you have substantial debt(s) against your name?
Being in debt whilst trying to start a new family can only add to the pressure and strain you’ll no doubt feel in those first couple of years. That’s why it’s important to get out of debt before deciding to have a family. Make sure you do everything you can do get out of debt ASAP. If you have multiple credit cards against your name, speak to the experts at Fox Symes about debt consolidation. With a little help from the
FSA Group you can combine all of your debt repayments into the one, saving you money and helping you keep track of your debt repayments at the same time.
With summer winding to an end, there is no better time to take advantage of cheap travel rates. Hotels, airlines, and other players in the travel industry are feeling the post-Summer slump and are looking for ways to encourage travel. Here are a few venues to explore when looking for some extra savings on your fall travels.
One of the industries that is hit the hardest by the close of vacation season is the cruise liners. With kids being back in school, cruises in the fall make for great couples’ getaways. Many cruise liners will drop hundreds of dollars at least from the normal fare in order to ensure a full ship. Another cheap way to get cruise fare is by booking a repositioning cruise where the liner is moving from one port to another for the change of the season usually.
If you have children another great vacation spot is somewhere known for its amusement parks. In recent years, they have been struggling and slashing prices. Additionally, fall marks a slow season for amusement parks so tickets can be acquired at a fraction of the price. If the parks are located near beaches, they typically close for the winter time so fall is the last opportunity to bring people in to the parks.
The Caribbean and Mexico
The busy season in North America and Europe for travel is fall so it is usually the case that places like Mexico and the Caribbean are hurting for tourists to come. Since this is the norm year over year, fall makes for a great time to visit a beach in Mexico or the Caribbean. History shows that vacation packages can drop as much as 60% during these times of the year. Chances are almost any tropical location that you would like to visit will offer steep discounts.
It seems that every decade or so there is a change in the trend of where the young workforce of America chooses to live. If you are in the hunt for a new place to live, you may too be wondering if the suburbs or city is best for you. Below are a few points to consider when trying to decide what part of town to live in.
1. More for your Money
Perhaps the biggest benefit of living in the suburbs versus the city is the ability to find yourself more square footage for far less money. Additionally, houses in the suburbs often come with land in addition to square footage inside your house. This creates a lot of potential for a family as well as other hobbies or dreams that you may have for your home.
2. More Options, Less Demand
Because of the mere lack of space in most cities, your options are limited. Finding the perfect home is much more difficult when your options are limited. Not only that, but often times the homes that you will find in the city are far older than some of the new developments that come with being in the suburbs. With that being said, many of these new developments offer the chance for you to have a lot of say in the building of your home. This means that you can have a relatively custom home for a reasonable price.