All posts filed under: Finances

4 Vital Points for a Cheaper Japan Travel

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Originally posted on thewander-lust.com:
Japan has an image of being one of the most expensive countries in the world, and if you’re staying in hotels, eating out, and traveling around a lot, then it can really cost you a bomb. It is never going to be as cheap as other destinations and while it may be an expensive country to visit, there are plenty of ways to make this country affordable. To me, budget travel is value travel. So, I have listed 4 vital points on how you can cut down the costs and make this country affordable: 1.) TRANSPORTATIONTransportation is one of the most expensive aspects of travel in Japan and this will surely eat up your pennies. The bullet train, while awesome, comfortable, and fast, is not cheap at all. Individual rail journey can cost hundreds of dollars when added altogether. So in order to reduce your train costs, get a Japan Rail (JR) pass.I repeat, do get a JAPAN RAIL PASS and here’s my BIG NOTE: You only can buy this pass outside of Japan and only people on…

7 Days, 7 Tips: Budget Travel #7 (Track Your Spending).

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Originally posted on Heart of a Traveller:
It’s already the final post of this series; it’s gone so fast! I thought I would keep one of my best tips for last; keep track of your spending. Now, if you a listing fanatic like me, this might come natural to you. I love to make “to do” lists, to keep track of pretty much everything in my life with lists, including the money I spend. If you’re not anything like that, trust me on this; keeping note of how much you spend whilst travelling will help you stick to your budget. When you write down how much you spend, you become more concious of it. You might realise that you’re spending too much on a certain thing, and you can then adjust accordingly. It’s up to you how you keep track of your spending. You could take note of everything you spend money on, but this can become tedious and you’re then more likely to stop doing it. Personally, I keep track of every time I…

Why We Have HSAs and You Should Too!

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Originally posted on Millennials making cents of money:
Health Savings Accounts (HSA) are one of the most misunderstood parts of employee benefits today. HSAs are individually owned bank accounts that work in conjunction with your health plan – your health plan does have to be HSA compatible, traditionally referred to as high deductible health plans (HDHP). Don’t be afraid of ‘high deductible’ – yes, we understand that you could pay more out of pocket. But hopefully, as a healthy young person, you don’t have high out of pocket health care costs.  And if you do, simply save your receipts and pay yourself back at any time. We covered a lot of the basic HSA info in an earlier post, check it out here. Sp why do we think it’s a good financial move for millennials to have an HSA? You get tax-deferred treatment! Be aware of the annual limits, but any money you contribute (through employee payroll deductions or direct deposits) are eligible deductions. Your HSA stays with you when you change jobs, so you…

10 Innovative Personal Finance Tips

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Originally posted on Generation Y Retirement Account:
We see articles often about the most innovative companies, the most innovative technology, the most innovative fitness routines…why not the most innovative money tips? One thing I really dig about personal finance is consistency. There are many teachings & rules that were true in the past that are still applicable today. You really can’t doubt him when Warren Buffet states: “Do not save what is left after spending, but spend what is left after saving.” Buffet is now 85 years old and is worth $61.8 billion dollars. Whoa.  I had to take a minute to let that sink in again… When you start to read & learn more about personal finance, you start to recognize patterns. Lot’s of them. This is great though! Repetition really allows you to learn about a subject that may seem like completely unfamiliar terrain. Unfortunately, if we are not exposed to personal finance teachings in our youth we have to play an immense amount of catch-up in our adulthood. Since personal finance is…