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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 December 9, 2019

5 Simple Ways to Relieve Stress Effectively

5 Simple Ways to Relieve Stress Effectively

Everyone experiences mental stress at one time or another. Maybe you’re starting a new career, job, or business, or you feel incredibly overwhelmed between work, parenting, and your love life (or a lack of it). It could even be that you simply feel that you have way too much to do and not enough time to do it,  plus, on top of everything, nothing seems to be going the way it should!

Yup, we all experience mental stress from time-to-time, and that’s okay as long as you have the tools, techniques and knowledge that allow you to fully relieve it once it comes.

Here are 5 tips for relieving mental stress when it comes so you can function at your best while feeling good (and doing well) in work, love, or life:

1. Get Rationally Optimistic

Mental stress starts with your perception of your experiences. For instance, most people get stressed out when they perceive their reality as “being wrong” in some way. Essentially, they have a set idea of how things “should be” at any given moment, and when reality ends up being different (not even necessarily bad), they get stressed.

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This process is simply a result of perception and can be easily “fixed” by recognizing that although life might not always be going as YOU think it should, it’s still going as it should—for your own benefit.

In fact, once you fully recognize that everything in your life ultimately happens for your own growth, progress, and development—so you can achieve your goals and dreams—your perception works in your favor. You soon process and respond to your experience of life differently, for your advantage. That’s the essence of becoming “rationally optimistic.”

The result: no more mental stress.

2. Unplug

Just like you might need to unplug your computer when it starts acting all crazy, you should also “unplug” your mind.

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How on earth do you unplug your mind? Simple: just meditate.

It isn’t nearly difficult or complicated as some people think, so, if you don’t already meditate, give it a try. Whether you meditate for 5 minutes, 30 minutes, or 2 hours, this is a surefire way to reduce mental stress.

Meditation has been scientifically proven to relax your body (resulting in less mental stress), while also reducing anxiety and high blood pressure.

3. Easy on the Caffeine

Yes, we know, we know—everyone loves a nice java buzz, and that’s okay, but there’s a fine line between a small caffeine pick-me-up and a racing heart and mind that throws you into a frenzy of mental stress.

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Try giving up caffeine for a while and see how you feel. And, if that’s completely out of the question for you, at least try to minimize it. You might find that lots of your mental stress mysteriously “disappears” as your caffeine intake goes down.

4. Attack Mental Stress Via the Back Door

That’s right: your body and mind are part of the whole being, and are constantly influencing and affecting each other. If you’re experiencing a lot of mental stress, try to reduce it by calming your body down—a calm body equals a calmer mind.

How do you calm your body down and reduce physical stress? A  great way to reduce physical stress (thereby reducing mental stress) is to take natural supplements that are proven to reduce stress and anxiety while lifting your mood. Three good ones to look into are kava-kava, St John’s wort, and rhodiola rosea:

  • Kava-kava is a natural plant known to have mild sedative properties, and you should be able to find it at your natural health food store or vitamin store. It’s available in capsules or liquid extract form.
  • St John’s wort is a natural flower used to treat depression. Again, it’s found at your local health store in capsules or liquid. Because it uplifts mood (enabling you to see the brighter side of all experiences) it helps relieve mental stress as well.
  • Rhodiola rosea is a natural plant shown to reduce stress and uplift mood, and Russian athletes have been using it forever. Like the other two supplements mentioned, rhodiola rosea can be found at your natural health store in capsule or liquid form.

While these supplements are all natural and can be very helpful for most people, always check with your health care provider first as they can cause side-effects depending on your current health situation etc.

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5. Good Old-Fashioned Exercise

This tip has been around forever because it works. Nothing relieves mental stress like running, kickboxing—you name it. Anything super-physical will wipe out most of your mental stresses once the exercise endorphins (happy chemicals) are released into your brain.

The result: mental stress will be gone!

So, if you’re feeling overwhelmed or just plain stressed, try using some of the above tips. You can even print this out or save it to refer to regularly.

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