10 Saving Tricks to Use When Starting an Emergency Auto Repair Fund

10 Saving Tricks to Use When Starting an Emergency Auto Repair Fund

When you look at the current financial situation that you are in at the moment, you would probably think that starting an emergency fund is the best way forward. In fact, most experts agree that starting and growing your emergency funds is a smart option. It’s never pleasant to be caught in an emergency that demands that you access a certain amount of cash that you can’t raise at that particular time.

That is what the emergency funds are for; to help see you through any rough patches in the future that may require that you part with some cash. What if your car breaks down in the middle of the month and you didn’t have any savings set aside for it? What would you do? You may have to use public transport to head to and from work till the next payday. What of a leaky faucet? Your smartphone or laptop gets stolen. What if you lose your job abruptly? How will you survive even as you look for another job?

Saving this money, however, is easier said than done. But this article will provide you with some awesome tips and tricks that you can use to save for your emergency funds.

1. Maintain a spending book

You will need to create and stick to a spending book. Track your monthly spending and categorize everything you spend on. Then evaluate each category and rid yourself of any unnecessary luxury and/or spending that you feel you can do without. The experts at Lendgreen advise their clients on effective loan management. With the spending book you can also keep track of how you are spending your loans.

2. Eliminate budget busters

Eliminate things like the cable TV. Or even step down to a cheaper package and save whatever is left on the emergency fund. Starting with small changes can save you a lot at the end of the day.

3. Renegotiate everything

If you haven’t ever noticed, almost everything that has a value is negotiable. Form the habit of renegotiating everything that you can. You will find that almost all of the time you try to renegotiate, you get better rates for almost everything.

4. Bank on savings

You need to ensure that you bank the savings that you have after evaluating how you spend and also trim all the spending areas you possibly can. You can even make sending money to your emergency fund become something of a routine. You can even decide and automate the transfer to make everything easier.

5. Sell your old stuff

After making your home evaluation, you may even realize that you have some old stuff that you don’t necessarily need anymore. Why not make some extra bucks off them by selling them? You can even sell them on Craigslist or eBay.

6. Get a side hustle

You can also look for a side hustle to help earn you some cash on the side. You can use your free times like the weekends and evenings doing something productive that earns you a little extra income and put that into your emergency fund.

7. Check your withholding

It’s usually a great feeling receiving your check from the IRS each spring. But it’s much better getting the cash now, and then transferring it into your emergency fund. You can use the IRS withholding calculator to adjust everything.

8. Babysit, pet sit, or even dog walk for other people

Another awesome side gig. Remember, it’s all for the money. And you want that emergency fund to keep rising.

9. Rent your extra room

If you have an extra room and/or guest house in your home, then you can also rent it out on Airbnb and make some extra income off it.

10. Sign up for focus groups

These are kind of like surveys. Marketers and pollsters are ever so interested in knowing that you think about their products and services that they will literally pay you to get your opinion on them. You can get anywhere between $50 and $150 on websites like FindFocusGroups.com for just speaking your mind.

6 Safe Cars For New Car Owners

6 Safe Cars For New Car Owners

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It can be an exhilarating feeling getting your license for the first time and even more exciting getting your first vehicle. The freedom that comes with having your cars is outstanding – and it can indeed give you or your teen a greater sense of independence.

No longer having to wait for public transportation is a great feeling and it is for this reason that choosing the right vehicle can be both a joyous experience as well as a complicated experience.

Choosing the wrong car could, by all means, get you behind a vehicle that you just aren’t suited for and as a result get you in an accident. And although you may not have been at fault – having to hire a car accident lawyers after you get in a car accident is not a fun experience.

So to help prevent this situation from happening we have taken the liberty to compile a list of 6 of the safest cars for new car owners.

6 Safe Cars For New Car Owners

# 1 – 2017 Kia Soul

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Sitting at an extremely reasonable price tag at $16,400 (starting value) the 2017 Kia Soul is very affordable and an extremely reliable vehicle for new car owners. Offering car owners Bluetooth, wifi and other states of the art technology this is indeed a steal of a car for many.

Having a safety score of 9.7/10 – this indeed may be one the best options for you or your teen.

# 2 – 2017 Mazda3

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Yet another affordable vehicle – sitting at $17,845 (starting value) the 2017 Mazda3 is not only a gorgeous looking car, but it also has an extremely high safety value at 9.7/10.

The 2017 Mazda3 is a stellar vehicle that is fuel cost efficient as well as state of the art; regarding technology.

# 3 – 2017 Toyota Corolla

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Toyota’s have long been one of the most popular vehicles for many people of all driving experiences, and the 2017 Toyota Corolla is an excellent option for new owners.

The 2017 Toyota Corolla offers stirring assistance, pedestrian detection, and a pre-collision system. With so much added help for new car owners, this may very well be the creme da le creme car for new car owners.

# 4 – 2017 Honda Civic

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The 2017 Honda Civic offers a wide array of advantageous help for new car owners. The 2017 Honda Civic provides adaptive cruise control, rearview camera, and forward collision warning.

In addition, like many vehicles of late, the 2017 Honda Civic offers a wide array of technological amenities such as Bluetooth, wifi and a USB port to charge your phone or tablets.

# 5 – 2017 Honda Fit

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Yet another Honda – the 2017 Honda Fit is an excellent option for your recent high school graduate who may be entering college. It is safe, reliable, fuel efficient and has many safety protocols implemented into its driving system.

# 6 – 2017 Chevrolet Malibu

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Lastly, this has been viewed by many parents as one of the safest and best cars for their teens. The 2017 Chevrolet Malibu is in every sense of the word the most reliable vehicle that you can purchase for a new car owner.

The driving system programs a speed restriction so that your teen will never exceed the speed limit of the road as well as keep audio at a reasonable hearing level.

10 Compelling Reasons Why You Need an Emergency Fund for Your Car

10 Compelling Reasons Why You Need an Emergency Fund for Your Car

Cars may, perhaps, be the most unpredictable and expensive property that you can own at any point in your life. They come with lots of conveniences especially when you live in the Canadian rural towns, cities, or even suburbs. Anywhere really. Worse when you have to deal with an emergency car repair, then getting a Lendgreen loan could be the best option to get emergency cash. But owning a car also comes with loads of responsibilities and time and money that you have to put into it. And at other times, you may even realize that these inconveniences outweigh the benefits of owning a car, especially when dealing with emergency car repair expenses.

It would be a smart idea to open an emergency fund for your car to deal with all the problems it throws your way. This list explains ten reasons why you need to open an emergency car fund right now.

  1. The time you need to replace your car tires

You can go for the winter tires for your cars especially when you reside in Canada. Car tires are a worthwhile investment which can end up saving your life in all kinds of climatic weather conditions. With a car emergency money fund, getting new tires for your car can’t put much pressure on you.

  1. The “check engine” light turns on

One day you notice your “check-engine” light turns on in the middle of the month when you have almost exhausted all of your monthly income. You will be in “panic mode.” This doesn’t have to be the case when you have your car emergency fund.

  1. Time for your car brakes to be changed

Brakes also rank among the most vital parts of your car and can save you a lot of problems if you maintain them on a regular basis. You can manage this without much stress with a car emergency fund.

  1. When the gas price goes up

Gas prices are ever fluctuating, and you will never know that time when it will shoot up and stay up. Having extra money to cover that extra gas fees will help.

  1. Your windshield begins to crack

You immediately know you need to have your windshield replaced the moment it begins to crack. You just can’t say you can drive through traffic on the highway with a cracked windshield without posing a danger to both yourself and other road users. An emergency fund can help you cover for a new windshield.

  1. Your car just won’t start

Your car has refused to start, and you don’t know what’s wrong with it. Taking it to the mechanic to get checked will cost you some bucks which you can get from an emergency car fund.

 

  1. The car behind you bumps into you

Let’s face it, accidents happen. But sometimes they can happen at the most unexpected times. That money set aside to deal with these problems can save you a lot of stress.

  1. Your heating or air conditioning breaks

These can always happen during the worst weather seasons. And if you have broken heating or air conditioning, you might end up suffering a lot in your car.

  1. Your timing belt snaps

Replacing a timing belt is quite expensive. And car emergency funds can help a great deal.

  1. You fail to see that pothole soon enough

Potholes can cause a lot of damage to your cars which you didn’t expect. And if you don’t have the cash to repair these broken parts, you may end up having to park your car until you do.

4 Things That Make Online Personal Loans the Smart Choice

4 Things That Make Online Personal Loans the Smart Choice

Maybe you have been rejected at the local bank after applying for a loan, that doesn’t mean that all hope is lost however. Perhaps you are not aware of all the potential benefits to getting online personal loans, today we will reveal why this is becoming the obvious choice for many consumers.

Consider these 4 things that make online installment loans the smart choice for consumers;

1. Getting a Decision in Minutes

One of the biggest advantages to getting online personal loans is that you could have that decision you have been hoping for in just minutes. Simply enter some information about yourself, click submit, and you will have your answer right then and there. Not only will you get your decision in minutes, the money will be then transferred to your bank and available for withdrawal in as little as a single business day.

2. No Mountains of Paperwork Needed

The reason that the online installment loans application process is so fast is because you are not required to submit a mountain of paperwork before getting an answer. There will be no tax returns uploaded or credit reports checked, the deciding factor is often based solely on your ability to repay the loan.

3. Using Your Money for Anything

If you tried to get a loan from the local bank, then you know how their risk department needs to know where every penny will be spent before they even consider you a candidate for a loan. With online personal loans, the money is your money, and that means you are free to spend it however you see fit. Pay off high-interest credit cards, make emergency repairs on your only vehicle, or pay your child’s college tuition, no questions will be asked. You can find a lot of helpful online resources available at Northcash.

4. Setting the Terms of the Loan

Unlike getting a traditional loan from the bank in your city, you are in control of setting the terms for the repayment. Perhaps you know you will coming into money soon, so you pay the loan pack in less time with a higher interest rate. Others decide to take longer paying back the loan and get the benefit of a lower interest rate throughout the term of the loan. These are terms that depend on your financial situation and you have the ability to set these terms without pressure from the lender.

Regardless why you need to get your hands on some cash, online installment loans cater to your needs and help you to bridge that gap faster than any other type of lending institution could. Just imagine how all that pressure will be lifted this time tomorrow when you have all that cash in your hands.

8 Unique Ways to Use Your RV This Winter

8 Unique Ways to Use Your RV This Winter

Although many outdoor and travel lovers are fully aware of the benefits of owning a recreational vehicle, many RV owners miss out on several fun and unique ways to enjoy the cooler seasons outdoors. RVs are great for camping and outdoor recreation, but can also be quite versatile when a little creativity is applied. Here are 8 unique ways to use your RV this winter!

1. Create a romantic couples retreat.

The intimate space that a RV provides can be ample for the development of a couple’s retreat. Decorate the space with cozy blankets and low lighting for the maximum romantic effect.

2. Build a man cave.

Man caves have become a necessity in western culture and both RVs and RV trailers are great for adding a touch of manliness to a space. This option is great if you’re running short on home space.

3. Visit a ski lodge.

Although many RV owners temporarily park their vehicles for the winter, a ski lodge visit can be an exciting adventure. Some ski lodges may even offer an RV for sale to preferred customers.

4. Turn the RV into a tiny house.

With the recent popularity of the tiny house movement, many RV owners have sought to convert their RVs into a tiny home. This option is extremely economical and has become a reason for the increase in RV sales across the country.

5. Take a tour of the mountains.

A scenic view of the mountains is an excellent choice for RV owners in the winter. RVs provide beautiful sight seeing options for travelers of all ages.

6. Allow others to rent the space for extra cash.

Many RV owners have also taken to leasing RV space during inactive winter months. This option can bring extra cash flow into a home while ensuring that the RV remains in ample condition for the more useful summer months.

7. Try your hand at winter camping.

While many RV owners choose to camp in the warmer months, winter camping can be a beneficial outlet for families. Some RV dealers will even offer additional RV equipment to purchasers interested in winter camping.

8. Experience exotic animal sightings.

RVs provide an excellent source for wild life viewing and many exotic animals can be viewed in cooler months. RVs make an excellent home during winter safaris and natural exhibitions.

Whatever your preference, remember that RVs are versatile vehicles that can be fully optimized during any month of the year. Simply choose a theme, decor choice, or activity to participate in during the cooler months to begin to utilize your RV in creative new ways. Check out the Lovesick Lake RV Sales website if you want to learn more.