Tag Archives: your budget

5 Things to Consider When Buying a Motorcycle

5 Things to Consider When Buying a Motorcycle

Photo by Andrea Piacquadio from Pexels

Millions of people around the world buy a motorcycle every year. An exciting vehicle to own as it’s so exhilarating to drive, so many adventures can be had from purchasing it. However, before you take the leap and buy one of your own, there are certain things that you’ll want to consider.

So to help guide you, here are 5 things that you have to keep in mind:

  1. Your Budget 

One of the first things that you’ll want to think about is how much you want to realistically spend on the motorcycle. They don’t come cheaply and you might want to save ahead of time before setting your heart on your dream one. Also, you’ll have to think about how much the maintenance will cost, fuel, routine MOTs and the safety gear you’ll need to wear when driving it. 

  1. New or Used?

Another thing that you’ll want to consider is whether you want to buy a motorcycle new or used. This will depend on several factors, including your personal preferences and what your budget is. However, there are also practicalities of each option.

For example, a new bike will come with a warranty – which will ensure that if anything happens to it in the first year or so of owning it, you’ll be covered. However, the newer the bike, the more expensive the initial outlay. Which is why it’s a good idea to compare and contrast the two options first, before settling on the one that you want. 

  1. The Style 

It’s important to know that motorcycles come in different styles. From touring motorcycles that are ideal for long-distance driving to sport bikes designed for racing to achieve maximum speed. Before deciding on one style, it’s therefore worth looking at the variety and what they have to offer. 

  1. The Engine Size

This is a very important factor to take note of. The engine size will vary hugely depending on the type of bike you’re looking at – from 50cc for a moped to 125cc and more. This means that the speed and fuel economy will be affected – two factors that will undeniably impact your purchasing decision. 

  1. Motorcycle Insurance 

As part of your purchasing journey, you’ll also want to think about what type of motorcycle insurance you purchase. Not only in terms of its inclusions (liability coverage is frequently the number one choice because of what it includes) but how much it costs. It’s also a legality in many states. 

Helping to protect you in case of property damage or from a typical motorcycle accident victims sustain, it gives you the peace of mind you need when on the road. Even if you’re striving to be a safer driver, this is a must-have from the get-go.

Final thoughts

So, there you go! Those are the top 5 things you’ll want to consider when buying a motorcycle. As long as you think about the above and factor them into your final decision, you’ll feel more prepared for the process.

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feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Get Better At Saving And Save Yourself Hassle!

Get Better At Saving And Save Yourself Hassle!

After Christmas, we can find that our bank accounts have diminished and now we are into the new year, we are probably slowing picking up again but you may never know when you might need some extra cash. It may be something as simple as needing a new part for your fridge that has stopped working or perhaps you need some Towbars to assist with your car. So here are some tips to ensure that you stay on top of your finances this year and learn to get saving: 

1. Budget For Next Christmas

Start saving for even now for this coming Chrismtas. It sounds very dramatic and not necessary so early on in the year, but this will certainly be of huge benefit. This will help save money in the long run and you can do this by collect money in a little pot/fund, and let it accumulate over the months, which gives you a little bit to play around with. Look at what your bank offer in relation to offers and savings accounts which round off each penny to the nearest pound collecting it in a separate account. Over time, you could find yourself with a small amount to splash out on gifts for the people you love.

Photo: Pixabay

2. Go Sale Hunting

Don’t buy anything full price and go to look at all the sales, thrift stores and more because this will ensure that you don’t overspend. Be wise with the sales, and look for things you only really truly need, and this will ensure that you don’t keep tapping into funds just after the busy period. Most things can be bought on a budget and this is the best way to help save those extra pennies for when you may need them the most. Many thrift stores will also have sales too, as they will want to get rid of old stock and bring in new ones. 

3. Leave It To The Professionals

Don’t let the worries of needing money get you down. It can be difficult to just forget that you have spent far too much and that you need to top your funds back up. Perhaps you have overspent on your credit card and you need to start paying back asap. Consider borrowing money and don’t fear your finances anymore. Borrowing money could seem scary but it’s important that you shop around and get the right deal for you with no interest rate. Some payday loans are certainly not good at all so look into what could work well for you.

Saving money is tricky, not many people have disposable income at the end of the month but it doesn’t mean you can’t learn to save a little and keep some extra for the little extras that we can take pleasure in. the more you save, the better you will become at it and soon enough you may have enough to take that break away in the summer sun! So start saving today! 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

How To Choose Your Next Car

How To Choose Your Next Car

Image Credit Pixabay.com License CC0

When you are buying a car you will be faced with a lot of different decisions that you will need to make. The car you choose is a major financial commitment. Ideally, you will want a car that will last you for a while, and one that will be cost-effective, and reliable. In order to make the right decisions, you will need to weight quite a bit up. 

New Vs. Used

A major decision that you will need to make is whether you are going to buy a new or used model. Both have their advantages and their disadvantages, and you will need to make the decision based on your own personal situation. 

New cars will come with a manufacturers guarantee. Although things can go wrong with new cars, they are generally covered for anything major. This means that you should not have to worry about dealing with any big maintenance issues anytime soon. 

The downside to a new car is that it will very quickly lose its value. Within the first year, it will have lost the biggest percentage of the price you paid for it. 

A used car, on the other hand, can vary dramatically in terms of quality and price. Once a car is more than a couple of years old, it will have dropped in value considerably and this is often a good time to buy. 

Used cars may have maintenance issues and you obviously don’t have the benefit of the manufacturer’s warranty to fall back on. Any repairs with the vehicle will need to paid for by you. 

Check Insurance Before You Buy

Whether you plan on buying your car new or used, you will need to get the vehicle insured before you are allowed to drive it. But insurance costs can vary dramatically. Get a few quotes before you commit to buying the vehicle, as if the cost for that vehicle is too high, you may end up being out of your budget. Get quotes from a number of places and check out transparent Metromile customer reviews to ensure you are happy with the insurer. 

Road Testing The Vehicle

Whichever car you are considering, you need to road test it. You need to feel comfortable behind the steering wheel. Making sure that the car is right for you is vital. 

If you are buying a used car, your road test will let you know if there are any problems with the vehicle that you should be aware of. Listen out for strange knocking or grinding sounds, see how the car turns in the road, make sure that it sits evenly on the road and doesn’t seem abnormally bumpy when driven. The more situations you can test the car in the better. Try a few manoeuvres and drive the vehicle at a range of different speeds. The last thing that you want is to miss a glaring problem that ends up costing as much as the car to get fixed.  

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4 Ways to Help to Elderly Parents without Draining Yourself and Your Budget

4 Ways to Help to Elderly Parents without Draining Yourself and Your Budget

by Guest Blogger, Caitlin E.

Source: freepik.com (free to use and share)

Your parents took care of you when you were a kid. They paid for your education and food. They raised you to be a good person. And while they didn’t do that expecting you to return the favor, there might come a day when they’ll need you to step in.

Of course, if that day comes, it will mean that you have to make some changes in your lifestyle, regarding your career, personal life, and finances. No one expects you to give up on your life to care for your parents. But you will need to learn to balance your responsibilities in a way that enables you to continue making an income, caring for your family, and giving your parents all the attention they need.

Because you should not be in this alone, here are a few tips that will help you get through this situation.

See if They Need Help and How Much Help They Need

It’s always hard to admit that our parents, who we considered to be our superheroes, are ill and powerless. Facing the facts early on will help you give them the best care they need. The best thing you can do is to talk to your parents first because they need to be involved in every decision that concerns them.

Then, search for the signs they need help:

  • They’re struggling with household chores.
  • Their personal hygiene is not as it used to be.
  • They’re not eating regularly.
  • They struggle to move around the house and neighborhood.
  • They’re losing hand-eye coordination, which prevents them from driving safely, using tools, and other necessities.
  • They’re losing track of their medication.

Once you determine the condition of your parents, you will know the degree of care they require. For example, they might only need you to help with paying the bills or doing household chores. In more severe cases, they will require assistance with getting dressed and moving around.

Talk to Your Employer

Trying to juggle work and the new responsibilities might be the first to come to mind when you find yourself in a situation like this. However, in most cases, this feat results in dropping one juggling ball. Your productivity will definitely suffer, and your boss will notice it. It’s better for you to tell him/her before this happens.

Be honest. Try to point out your value to the company and explain that you will still do your best to contribute. You can ask to work from home for some time or take family days. Your company might even offer some benefits you can use.

Examine the Financial Situation and Make Plans

The financial aspect of being a caregiver is not to be neglected, as it can take quite a toll on both your and your parents’ budget.

First, you need to asses your current financial situation and see if there is room for savings. As a family caregiver, you might have a chance for a tax deduction, so check that out as well.

Later, you should do the same with your parents’ retirement income, but this is a touch topic. You’ll need to assure your parents that you have their best interest at heart. If they haven’t applied for social security yet, help them do it, and look for any tax and other reliefs that can help. For example, being a member of The American Association of Retired Persons (AARP) provides various services, such as insurance coverage and discounts for certain medical equipment.

Consider downsizing their living arrangements as a way of cutting unnecessary expenses and adding to their savings. Of course, it is imperative to plan for the long term and create a budget that will cover the costs of future care.

Don’t Do Everything on Your Own

Taking on all the responsibilities alone can only cause you to burn out faster and damage your own health, which will result in a decreased ability to take care of your parents.

There’s no shame in asking a sibling or a relative for help when it comes to taking your parents to the doctor’s or cleaning the house. If your kids are teenagers or older, they can also help around the house or just be good company to their grandparents. Ask the neighbors to check up on your parents every once in a while and let you know about their condition. This way, the burden will feel lighter, and you’ll be able to balance your life more successfully.

Finally, don’t neglect your health and personal needs. You are of no use to your parents if you’re miserable or sick. Try to find the time to rest, sleep, and socialize, and when you come to their house with a smile on your face, they will feel much better too.

Tia, and TipsfromTia.com  is trying to keep you looking good and
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Why Taking A Road Trip May Be Better Than Flying

Why Taking A Road Trip May Be Better Than Flying

Image Credit

If you have to travel somewhere, then typically the go-to mode of transport is usually by air, but this is not only something that not everyone is into – for example those who have a major fear of flying or just find it otherwise inconvenient to fly, and even if you don’t particularly mind flying, then it has to be admitted that flying nowadays isn’t exactly the most comfortable way to travel – in fact unless you’re traveling business or first class, then it’s actually extremely uncomfortable and often downright annoying.

With everything from tiny airplane seats, obnoxious passengers who seem to think the world revolves around them, and airport queues that feel like they’re never going to end, the world of modern flying is now more of a means to an end than the high-flying experience of luxury in the air that it once was hailed as.

There are also plenty of other ways to travel, so although flying may be the fastest and sometimes cheapest for longer distances, it’s certainly not the only option – from busses, trains, and even boats, there you can find alternatives to suit your needs and your budget.

One of the best ways to travel if you like to plan your own schedule and don’t really feel like enduring the above downsides of flying is to consider taking a road trip.

Of course, in order to take a road trip you have to have some things in place, such as the ability to drive – either yourself or be traveling with someone who can drive, as well as making sure your vehichle has undergone the latest safety checks and that you have the correct insurances.

If you’re interested in taking a road trip, but you’ve either never learned to drive or it’s been a while since you’ve been behind the wheel, then you should look into some driving classes in your local area. You’ll be required to take both a theory and practical test before being given the go ahead to drive, but the time to do it is definitely worth it if you want the freedom of driving, so you can have a look at this site to get an idea of what’s required in order to take the tests.

It’s cheaper:

Although air travel is far cheaper than it used to be, it’s often a game of luck since the cost of your flight ticket will depend on various things such as the time of year, the destination, the number of tickets you’re buying, and also even the day of the week you’re traveling or buying your tickets, whereas gas prices are far more stable and so it’s going to be consistently cheaper to get in your car and drive across the country than it would be to take a flight.

It’s fun:

Whilst not everyone will imagine being stuck in a car for hours on end driving through miles of empty roads to be fun, a road trip with the right people can definitely be fun – and it can even be fun if you’re on your own. Bring along plenty of great music and the right attitude, and you’ll soon find that road trips are one of your favorite ways to travel where you want to go.

It’s more relaxing:

The great thing about a road trip is that they don’t have the same time schedule attached to them as flying or even the same as going with a bus or train – you can basically take off on the road whenever you feel like it and then take the route you choose and really relax as you go. There’s no rush when you’re on the road and this makes it a great way to enjoy it properly without all the usual stress that comes from flying.

It can be part of the trip:

Another great thing about taking a road trip is that you can plan your road trip around the things you’d like to do and see along the way, so it basically becomes part of the trip overall. For example, if you’ve wanted to see a certain town or city for a while but have never had the chance to visit, then taking a road trip could be the perfect way to make stops at these places and see some cool things along the way. This means you can have mini trips as part of your road trip by taking some time and even making overnight stops along the way if you’re able to plan and budget for them, and this also breaks up your trip which is good when driving for longer distances.

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Getting Married Soon? Don’t Forget The Wedding Ring

Getting Married Soon? Don’t Forget The Wedding Ring

(image source)

Before getting married, there is so much to think about. If you are (or have been) in this fortunate position, you will know what we mean. You need to choose the right venue, decide on your bridal style, and pick your honeymoon destination, as examples. There is much to do, and in amongst your wedding checklist, there is one very crucial part that no woman (or man) should forget. The wedding ring. Here are some of the factors you need to consider.

 

  • Your personal style. There are many beautiful rings to choose from, but you need to narrow down your choices to make buying something easier. One of the ways to do this is to consider the personal style you are going for. Do you want something simple, or are you looking for something with embellishments? Does a particular gemstone take your fancy, or do you prefer something less showy? Do you want to match your engagement ring, or do you want to mix things up a little? You will (hopefully) be wearing your ring for life, so you do want to find something that you will be happy wearing for many years to come. Consider your choices, and find something that will fit your style (and finger) perfectly.

 

  • Your budget. Weddings are notoriously expensive, and a percentage of your budget will be going on your wedding ring. While you don’t want something that looks like it came out of a Christmas cracker, you don’t want something that is going to cause you bankruptcy, either. The wedding band is one thing to consider, but then there are the embellishments, such as added gemstones and engravings. The price will go up accordingly, so factor extras into your budget. When it comes to gemstones, diamonds may be a girl’s best friend, but you may want to choose a cheaper gemstone, such as an amethyst or a sapphire. When it comes to the personalised engraving, each letter will add to the price, so you may prefer your initials rather than your name, especially if your moniker is a long one! Know your budget and stick to it!

 

  • Your lifestyle. You will be wearing your ring every day, so you do need to choose something that won’t get in the way of your life. Rather than taking it off, and risking losing your precious ring, you should purchase something that will seamlessly fit within your lifestyle. You might want to consider platinum and silicone rings, as examples. Both are durable and safe to wear, no matter what activity you are involved in. Choosing something without gemstones is another good choice, especially if the stones are in danger of coming loose if you use your hands regularly for sport or work. You don’t need to forsake style for comfort, so shop around for something that will accommodate your needs, day in and day out.

 

  • Your finger size. To say you need a ring that fits your finger is a no-brainer. However, you should schedule your ring fitting at the right time. The temperature can cause your fingers to swell, as can other external factors, such as weight gain and exercise. So get your ring fitted when your fingers are at their regular size. Take heed of the jeweler’s advice too, letting your head rule over your heart when looking for a ring that fits. If mistakes are made, you can always go back to make adjustments later, although depending on your jeweler, you may have to pay for them.

After considering these factors before buying, there is one more thing to remember after purchase. The wedding day itself! Don’t let the page boy/best man forget the rings on the big day! If you are getting married soon, we hope you have a fantastic day, and that the partner you have chosen fits you as perfectly as your ring does! Take care, and thanks for reading.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Tips for Choosing the Right Means of Transport for Your Trip

By Guest Blogger Marie N.

Tips for Choosing the Right Means of Transport for Your Trip

 

Provided by guest blogger Marie N.
Provided by guest blogger Marie N.

Image 1 – Featured image

There was a time when travelers had a very limited choice of means of transport to choose from, and they had to make their trips by trains or boats. Today, that is not the case. If you want to travel, you have access to a wide variety of options. This abundance of choices is making things easier for modern-day travelers. On the other hand, it brings a whole range of new questions that can make things even more complicated for you. If you are having any doubts concerning transport options you should use, here are some tips that should make your choice clearer.

Provided by guest blogger Marie N.
Provided by guest blogger Marie N.

Image 2 – Plane

Know the purpose of your trip

Traveling for business, pleasure or family emergency are all different purposes that require different approaches. For the last one, for instance, the speed of your arrival is imperative, so it would probably be best to stay away from buses and trains (unless your destination is very close to your starting point) and book a plane ticket. If you are going on a holiday, and time is not of the essence, you can either rent a car or decide for other road transportation option.

Look into your budget

In most cases, the budget will have a large impact on the way you will reach your destination. You don’t want transport to eat half of your travel budget, do you? If you’re on a shoestring budget, consider renting an affordable car. Research your destination because some countries, like South Africa for instance, have very cheap train transportation.

Provided by guest blogger Marie N.
Provided by guest blogger Marie N.

Image 3 – Bus

Consider the length of your trip

So, you have rented a car, but will you be able to sit behind the wheels for more than 10 hours? Probably not. At least not if you want to be a responsible and careful driver. If you plan to cover a large territory, such as Australia, where the distance between two cities can be thousands of kilometers, it is always best to go with a reliable bus charter. If you are determined to travel on the ground, you’re in luck; Australia also has very well-constructed roads, so the drive will be long, but not bumpy.

Intermediate stations or one-way trip?

It is not the same if you are traveling from New York to Chicago directly and if you want to truly get to know a region and make multiple stops. For example, many travelers who go to Europe really want to see Paris and Vienna, as well as many other cities of the continent. The best way to achieve that is by taking Eurail train tickets that allow you to save money and see everything you want to see.

Provided by guest blogger Marie N.
Provided by guest blogger Marie N.

Image 4 – Train

How many people are you traveling with?

The number of travelers will largely impact your choice. Sure, if you are traveling with a friend or two, you can go by with renting a car, but if there is a whole bunch of you, you should think of alternative means. Traveling with a newborn is also a significant game-changer car (with an appropriate car seat) or a plane is the safest choice. Also, while some plane companies allow pet passengers, others won’t, so do your research.

Pros and cons of different options

In the end, you should always weigh in on the pros and cons of the available options, here are some ideas:

       Planes are the fastest option, but often the most expensive one too.

       Trains have extensive networks in many countries and are affordable but, in some destinations, they’re not very fast or reliable.

       Buses are a good way to explore the country and travel with larger groups or meet new people, but they shouldn’t be used for very long distances.

       Cars give you maximum freedom and independence, but they also require more attention and responsibility.

Provided by guest blogger Marie N.
Provided by guest blogger Marie N.

Image 5 – Car

Considering these crucial factors will help you choose the appropriate vehicle for every situation, and your trip will be as relaxed, comfortable and hassle-free as it should be.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram