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When people think about borrowing money, it causes anxiety. Nobody wants to be in debt to anyone else. Why would anyone purposely borrow and create debt for themselves? The thing is, it’s really not that simple. People usually borrow money to get them through to payday and beyond or to pay off existing debts because they need to. Most people don’t just borrow money to do frivolous things with.

There are, definitely, many different reasons to borrow money. It’s essential to have money when you need it for the things you need to live a happy life, even if that means borrowing it. There are good debts and bad debts, and the best kind of debt is one where you have consolidated everything into one payment at a lower interest rate. There are so many reasons that people might need to borrow money to further their situation.

  • The first reason is for a vacation. I know it may sound frivolous but we really need that time to decompress. People love to hit the beaches and feel the sun on their faces. It’s not easy to save up for a family vacation, especially when you have a big family, but it is necessary. Borrowing the money and buying a vacation and paying it off later is one way to solve your short term cash flow issue!
  • You could consider your mortgage borrowing money, though it’s for a house, not a vacation or a new car. You could choose to buy a second property with the help of Visio Lending with the view to renting it out to others. This type of property helps you to build your assets, securing your future and giving you the chance to decide whether you buy property number 3 and 4! This level of borrowing will work out for you if you manage your rental properties well!
  • Special occasions often need a little extra cash flow, and it’s common knowledge that people borrow money for Christmas or even for their wedding. Weddings are expensive, and it’s well known that they take a lot of money to sort out. With a loan, you can get the wedding of your dreams and think about the repayments afterward.
  • Children cost a lot of money, and it’s not unusual to find yourself short when it comes to school fees or uniform costs. It makes sense to take a loan out when you have to buy into new technology for the school or new equipment. Giving yourself a little breathing space can make a big difference to your finances and your children’s education
  • No one is likely to take a loan out for general shopping, but when it comes to furniture and appliances? You can’t always plan for them to deteriorate. If you ensure that you have a loan company as a backup, you can replace the refrigerator or oven as you need to. You can get a loan for the big things in the house, but you should bear in mind the costs afterward.
  • The car is one of the most valuable assets you have to be able to get where you need to be. When the car breaks down, you need to be able to do something about it so that you can stay on the road as long as possible. You can upgrade your car, or you can just get yours repaired, but either way, it’s an excellent reason for a loan.

Don’t be afraid of debt when you choose to take it on. Whether you are paying off debts or you are replacing your car, taking out a loan can enable you to do more and later on, pay it off, and build your credit at the same time.

 

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spring break, budget, kids, Land of Nod

Our life is always hectic and spring break is one of those times of year that I prefer to NOT go running off on a family vacation to some place awesome like Disney World because, you know, the rest of the world is doing that. I just want to sleep in and enjoy not having to be anywhere. I want to actually enjoy just being and giving our minds a break.

I like to take the time to relax and enjoy my kids. Granted, we get bored so we need to do more than just sit around staring at one another and it wouldn’t be right to make the kids clean the entire break, ahem, right? Yeah, no. I know it wouldn’t be right.

So here are a few budget friendly ideas for your next spring break.

spring break, budget, kids, Land of Nod

Indoor camping

There are so many great things you can do just by staying put. We live in the suburbs so first on our list is indoor camping! The girls got an amazing tent, constellation nightlight and sleeping bags from the Land of Nod this Christmas and I know they love camping out. So, one night (or maybe two) this spring break we will pretend we are camping. I will put up the giant tent, lay out the sleeping bags, we will have hot dogs on the grill and s’mores ( in the microwave because it’s snowing today), tell some ghost stories and let our imaginations go wild. This is one of the perks of small children, those imaginations can take you absolutely everywhere without ever leaving the house. The best part is that all play houses and tents are on sale for 20% off through March 23rd.

Local waterpark or hotel

For the last weekend of spring break we are surprising the girls, meeting their cousins and spending a couple days at the Great Wolf Lodge. We’ve never been so we are super excited and by arriving early, staying only one night and leaving late, we are maximizing the fun on a minimal budget. Also, I searched out an awesome discount and that made it even more affordable. We live in the Midwest and unless we drive or fly a few hundred miles south, we’re going to be surrounded by snow and/or wintery weather mix. I hate the cold but if we go to an indoor water it is a balmy 80 degrees. Now, I was not a fan of indoor waterparks until I had children. I prefer the beach but I have found that at the waterparks, it’s always warm and there are so many different slides, pools and activities that no one ever tells me, “I’m BORED!” You may even want to meet up with a group. We are meeting my sisters and their kids and husbands and celebrating a couple cousins’ birthdays while there. We can’t wait! The 7-year-old is marking her calendar. For an added bonus, take Grandma and relax a little. If you want to get out of the house but don’t want the hassle of added cost of a waterpark, you can always just stay at a local hotel with a pool. The kids will love it.

Visit Family or Friends

If you are watching your budget, why not go visit family or friends? You save yourself the cost of a hotel, you get to spend time reconnecting with the people that you love the most and your kids have a blast hanging out in a new city. I’m lucky my family lives in Chicago and it’s only a 3-hour drive, so it’s an easy couple day trip and the city is full of places to go, foods to eat and people to see that my children don’t get to usually do so everyone wins.

Explore Your own City

Whether you live in a big city or a small one, there are always things to do. Check out a new restaurant that you’ve never tried or visit a boutique or shop that you’ve never been into. There are all kinds of hidden gems that most cities have and no one has the time to try new things because we always do what we know because it’s easy. For instance, there is a wonderful art museum right across the street from my daughter’s ballet school. We never go in because we are always going to ballet. During spring break, we are going to check it out and try a new restaurant downtown. If you want to kick it up a notch, get a play date group and do local scavenger hunt in your own city.

Take a vacation from your regular life

If you ask me, the best thing about spring break is not having to be anywhere so why not just relax. Have a pajama movie day. Spend all day coloring in a coloring book with your kids. Have an at home spa day or give each other makeovers. Just do something that you don’t get to do every day like breakfast for dinner or pizza for breakfast. Most of all just try to enjoy your time with your kids because, as I keep reminding myself, they are only little for a little while.

Bonus: We are getting to test drive a Mitsubishi Outlander for the week, so I’ll be completely taking a vacation from my regular life. Can’t wait to tell you all about it.

Disclosure: While all opinions are my own, I was provided product for review purposed from The Land of Nod.

What is your family doing this spring break?

 

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