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The Simplest Ways To Save Money In Your Next Trip

The Simplest Ways To Save Money In Your Next Trip

With the weather outside so frightful, it’s understandable if thoughts of travel are filling your head. Whether you have a winter getaway in mind, or you’re trying to get a head start on summer vacation planning, here are a few money-saving tips that you should keep in mind:

Credit Cards Are The Best Way To Go

While everyone thinks about paying for a vacation from an affordability standpoint, few consider what type of payment to use once there. What method of payment for airfare, lodging, and other accommodations, will you use? Will you use your credit card, debit card, cash, or even checks, when applicable?

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Credit cards are the best way to go. They save on both cost and hassle. They offer a wide array of money-saving benefits and protections that are not available with cash, or even debit cards.

Best Exchange Rates

Currency conversion is a factor whenever you travel internationally. Exchanging dollars for the local currency can either save you or cost you a lot of money. According to CardHub’s Annual Currency Conversion Study, Visa and MasterCard both offer lower exchange rates than local banks or Travelex. Instead of converting physical currency, you should take a Visa/MasterCard credit card with you on your international travels. This way, your money can be converted automatically at the point of sale.

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Complimentary Rental Car Insurance

Most credit cards automatically provide rental car collision and damage insurance coverage. You simply decline the rental company’s supplemental insurance (which is money-saving in-and-of-itself) in order to use the credit card insurance.

Rewards for Usage

Credit cards offer spending-based rewards. Accumulate points to help with ongoing expenses, earn free hotel nights, or even a free flight. Many credit card companies offer impressive rewards bonuses to entice new customers. Presently, the Chase Sapphire Preferred Card will give you a $400 statement credit for spending at least $3,000 during the first three months; the Barclaycard Arrival Card offers $400 to use for any travel-related expense when you spend at least $1,000 in the first three months. These awesome incentives pay you to vacation! Keep in mind that you need excellent credit to qualify for such offers.

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Fraud Protection

If criminals somehow get your credit card information and charge expenses to your account, you won’t be held liable for payment. The four major networks–Visa, MasterCard, American Express, and Discover–offer blanket $0 liability guarantees.

The same protection also covers debit card transactions, as long as you choose to verify your transaction by signature rather than PIN. However, with a debit card, money from your account is removed immediately at the time of transaction. You must make a claim with the bank to get your money back, and to prevent automatic monthly payments from being declined due to insufficient funds. With a credit card, you have the ability to spot and correct fraud before you make a payment on your account.Money-saving is impossible If someone steals cash right out of your pocket or purse–there’s simply no getting it back. If a credit card is stolen however, all you will need to do is deactivate that card, and have your issuer ship an emergency replacement.

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Other Considerations

The above is not meant to say that you should rely exclusively on a credit card for all travel-related spending. That is just not possible. There will always be merchants and service providers who only take cash. Along with a credit card, you should also carry an ATM card that has low, international ATM-withdrawal fees, so you are able to get to your cash, no matter where in the world you are visiting.

If you are planning an overseas trip, make sure to watch out for a merchant practice called “dynamic currency conversion.” This is when a merchant offers to convert your purchase total into dollars, using the reason that it is for your convenience. This convenience is really so the merchant can overcharge you on the exchange rate and increase their own profits.

Bottom Line

These tips and tidbits are a lot to consider. However, by keeping in mind these money-saving ideas, you will be able to plan the perfect trip. Use these tips to get you through the colder months and off to your vacation paradise!

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Last Updated on October 18, 2018

10 Benefits of Sleeping Naked You Probably Didn’t Know

10 Benefits of Sleeping Naked You Probably Didn’t Know

Sleeping is one of the most important things we do every night.

Getting the right amount of sleep has an untold number of health benefits and not getting enough sleep is a serious problem in many countries around the world.

So you should have heard of the many benefits of getting adequate sleep, but did you know that you can get additional benefits by sleeping naked?

Here are some benefits of sleeping in the nude:

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Video Summary

1. It is easier.

When you don’t have to worry about sleeping in clothes, things start to get easier. You don’t have to buy pajamas, which can save you money. You have less clothes to wash and less clothes to put away. You may have to clean your bed sheets more often, but not nearly as often as you’d have to wash your pajamas when you run out.

2. It forces you to be ready to go more often.

Some people get off of work, change into their pajamas, and use this as an excuse to stay home the rest of the evening. This can lead to a more sedentary lifestyle, which has been attributed to things like weight gain.[1] When you keep your regular clothes on, you tend to go out more often and that’s a good thing.

3. It can make you feel happier and more free.

Just imagine the feeling of laying in bed naked. You’re free of your pants and underwear. Women, you’re not wearing a constrictive bra. It’s just you sandwiched between two cool sheets. The feeling just makes you want to smile and it makes you feel more free. Everyone can use that kind of good feeling every now and then, and it may even help you be happier as a person.

4. Skin-on-skin contact is the best.

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    If you’re married, or living with your significant other, sleeping naked gives a greater chance of skin-on-skin contact, especially when it comes to cuddling. This kind of contact can also lead to a more active sex life. All of this releases copious amounts of oxytocin, which is the neurotransmitter that helps you feel those good feelings about your significant other.[2]

    5. It could lead to better sleep.

    Let’s revisit the scenario I described above. There are no drawstrings or clothes getting tangled in sheets. You don’t have to worry about shirts getting twisted. All of these distractions go away when you sleep naked and it may help you get better, deeper sleep. You don’t need science to tell you that better, deeper sleep only helps you be healthier.

    6. It can help your skin.

    For once your body gets to breathe. Your private parts, armpits, and feet are generally restricted all day and are often covered by multiple layers, even in the summer time. Give those parts a chance to air out and breathe. This can lower the risk of skin diseases, like athlete’s foot, that result from wet, restricted skin.[3]

    7. It helps you regulate your cortisol.

    Cortisol is a very strange chemical in the body but it can do a lot of damage. When you sleep naked, it helps keep your body temperature at the optimal ranges so your body can better create cortisol. If you sleep overheated your cortisol levels tend to stay high, even after you wake up. This can lead to increased anxiety, cravings for bad food, weight gain, and more terrible things.[4] Sleep naked so you can keep your body temperature down and sleep well so your body can properly produce and regulate cortisol.

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    8. It balances your melatonin and growth hormone.

    Continuing along that same vein, keeping your sleeping environment below 70 degrees (F) every night can help your body regulate its melatonin and growth hormone levels. These chemicals help the body do things like prevent aging and are essential to good health. When you sleep in clothes, your body heats up and prevents effective use of these hormones. In other words, sleeping with clothes on makes you grow old faster.

    9. It can keep your sex organs happier.

    For men, the cooler sleeping conditions allows your testes to remain at a cooler temperature. This helps keep your sperm healthy and your reproductive systems functioning as normal. For women, the cooler and more airy sleeping conditions can actually help prevent yeast infections. Yeast grows better in warm, moist conditions.[5] When it’s cooler and dryer, the growth of yeast is prevented.

    10. Sleeping in the summer is more bearable.

      Summertime is a tricky time to get good sleep. If you don’t have air conditioning, then you may find your bedroom a bit stuffy at night.

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      Shedding those bedtime clothes can help the bedroom feel more comfortable. You may even be able to turn the A/C off on those cooler nights, which can save you a few bucks on your electricity bill.

      Don’t wake up drenched in sweat again because your thermostat is downstairs and the hot air expands up to your bedroom where the thermostat can’t read the warm temperatures.

      Sleep well with your naked body!

      With these tips in mind, it’s time to start taking off your clothes at night!

      Of course, there are times where clothes are preferable. If you are ill or it’s cold outside, then you should sleep with clothes on to help you stay warm and prevent further illness. Otherwise, go commando!

      If you’re looking for more tips to sleep well and get up feeling energetic, I recommend you to check out this guide:

      Want to Feel More Energized Throughout the Day? Start With This

      Reference

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