Inexpensive Winter Activity Ideas for Families

16113039 - kids and parents throwing snow on a winter hillEvery winter, you’re likely to find your family suffering from cabin fever at some point. It could be the weather, school holidays or just plain boredom. Whatever it is, if your family is suffering from the winter blues, these fun and cheap activities could be just the thing to alleviate the winter doldrums!

See our list of winter activity ideas for families to start planning your own this season:

Snowshoeing

If you live in the colder areas of the country and find yourself inundated with snow, why not try snowshoeing? No need to buy your own shoes. You can actually rent them cheaply by finding a local outdoor equipment rental supplier. The shoes can be rented for around $10 a pair so it won’t break the bank either. Snowshoeing is great fun and the kids will be sure to love it!

Sledding

Sledding is always a great choice during the snowy days of winter. It’s free if you own a sled, but even if you don’t, sleds can be inexpensive to purchase. Find a park and go to town! It also provides you with great family photo ops and may lead to a snowball fight or two (to be followed, of course, by hot chocolate).

Tour the Neighborhood Christmas Lights

As we get closer to the holidays, more people will be decorating their homes with spectacular displays of lights. So why not pile into the car and take a free trip around the town to check out their hard work? The kids will love the lights and you will too!

Movies

Movies often offer great deals when the kids are out of school. You can take the family to an early afternoon or late morning flick at a discount or head to the dollar theater anytime to see a movie you might have missed the first time around. These are generally family-friendly films the kids will love.

If you want more advice to help your family become financially savvy, read our blog on how to teach your kids about money management.

Having a wedding is an expensive endeavor. The average cost of a wedding is $26,645, but many couples manage to keep the price under $10,000. Still, it’s not easy to have a budget wedding. Expenses pile up fast and you can undermine your budget goals fast. So if you looking to have a great wedding and stick to your savings goals, see our 5 tips to have a budget wedding. Choose a different day of the week Saturday is by far the most popular day of the week for people to get married. So venues and other wedding related services will offer lower prices if you book for a weekday or even a Sunday. If you get married early in the peak season as well, the savings will be even greater for your budget wedding. Book far in advance By booking venues and other services super early, you’ll save a lot on these expenses. That also allows you to be strategic for when you purchase other things, like invitations, to wait for sales. Keep the liquor options limited Don’t provide a fully stocked bar for your friends and family. Instead, get a keg from a local brewery and have a few wine options on hand. That will be enough to keep everyone happy while keeping your budget on track. You can also add a cocktail option as well to suit other tastes. Don’t serve a sit-down dinner Instead of splurging on a fully catered sit down dinner, consider appetizers instead….

Get Cash Fast From Your Home You may have seen those “get cash now” advertisements online or TV commercials and you may be suspicious. There should be a healthy skepticism for something that seems so seamless. But like online shopping, online food ordering, online learning and online everything, or so it seems, trusted online short term lenders are becoming the preferred method to get cash fast. Here is why so many people like you are turning to easy and quick online short term loans: Convenience Visiting storefront short term loan locations and comparing their rates can be a hassle for a number of reasons. For example, you have to physically go to the storefront location, which may not be convenient for you. Additionally, you may have no way of knowing ahead of time how much they will loan you. With an online short term lender however, you can conveniently apply online from the comfort of your own home. The application is in a convenient format, is user friendly and you will receive a response to your application instantly at your computer. From there you can compare the best short term lenders with one another. This added level of convenience not only helps you get cash fast, but may also take any added stress out of obtaining a short term loan. Speed When it comes to the matter of getting your cash, online short term lenders like Northcash can deposit your loan into your bank account within hours of getting approval…

How to Pay Off a Credit Card Quickly Credit card debt can be good and bad at the same time, but either way you need to pay it off as quickly as you can. Your credit score may be boosted by using your credit card and then paying it off. However, if you find yourself using your credit card to buy more than you can afford, you may find yourself with a large balance that needs to be paid off. The following examples represent how to pay off a credit card in a short period of time. Cut Unnecessary Expenses If you can cut as many unnecessary expenses as possible, you may have a bit of extra money that you can use to pay down any existing debt you may have. One tip for cutting down on unnecessary expenses is to consider eating at home on a more regular basis instead of at restaurants. You may actually cut your food expenses in half or more by preparing your own meals. As a bonus, the home-cooked meals you prepare will likely be healthier than the ones you’d eat while dining out. Other ways to cut unnecessary expenses include avoiding shopping sprees and cutting back on various types of entertainment. Consider cutting back on your cable TV package or cell phone plan if possible. Pay More Than the Minimum Another option for how to pay off a credit card quickly is to pay more than the minimum amount due if you cannot…

When you review your personal finances on a regular basis, you may discover your regular shopping trips encourage you to spend money on unnecessary purchases and impulse buys. Cutting out impulse shopping of this nature can help with budgeting and ensuring cash to hand is always available. Spending your spare cash on hobbies, outings and social occasions will give you far greater happiness than you achieve from buying unnecessary shopping. It may be difficult to avoid shopping completely, but follow these simple tips to help you budget your finances better so you reach long term targets:

DIY doesn’t always mean making things in your home look better. There are plenty of DIY home repair projects that you can do that either improve the way things work or fix existing problems. If you feel like venturing into DIY home repairs that will save you a bundle of money without being too risky, here are a few things you can easily manage on your own without calling in a professional. Fix Your Faucet’s Water Pressure Typically, the problem with a faucet lies with the aerator, which is really easy to clean and replace. To find out if you need to clean or replace the aerator, you will need to remove it. Use a pair of pliers to turn the aerator clockwise. Split up the parts that are within the component and clean them. If it looks like any of the parts are damaged, replace it. It is best to take all of the parts to your hardware store to find the right match.

Financial Goals Make the Best New Years Resolutions   Very few were left untouched by the economic downturn that shook the world not too long ago. Homes were foreclosed on them as jobs were lost as businesses went down. If there is a lesson to be learned, it is that the future is unpredictable and being prepared is a must, not an option.   Being prepared One important thing you can do to cushion yourself is to save. One essential fund every individual or family should have is an emergency fund. It should be in form of cash or an investment that is easy to liquidate should the need arise. An emergency fund should ideally be equivalent to six months living expenses and monthly repayments if you have loans such as credit card debt, auto loans or student loans.   The best new years resolutions Making new year’s resolutions is a common, worldwide phenomenon. Also common is how many fall by the wayside in keeping to their resolutions just a few days into the new year. The best new years resolutions you can make is to get on track financially.   You can stick to financial goals by:   • Identifying your goals and prioritizing them. If you have debt, this should be the priority, especially credit card debt that quickly adds up thanks to compound interest. • Break down your goals into daily, monthly and annual goals. This will keep you focused. For instance, you will have to minimize…

A lot of life’s problems start very small and grow so big over time that they become unmanageable. Take your utility bills, for example. They are usually small, but if you fail to pay up for several months, the accumulated amount becomes a big issue. If you have no extra source of income, your overdue payments and debts disrupt your cash flow and can be a huge source of stress. When your needs are still small, taking out small loans can go a long way in preventing cash flow problems in the future. A small loan can impact your cash flow in the following ways: Helps you pay utility bills: Failing to pay utility bills on time is an expensive habit because you will be served with a fine with every late payment. The longer you put off paying, the higher the fine will be as it increases every month until you pay up the entire amount. Small loans can help prevent such a situation by allowing you to pay on time. Helps you clear small debts: Debts have an unpleasant habit of growing over time. The longer you put off paying, the more interest you will accumulate. Over several years, the small loan you have taken becomes so huge that you will be in danger of being stuck forever stuck in a debt trap. A short term loan can help you clear the debt while it is still small so that you will be able to move ahead with…

  If you need help paying bills, one of the best remedies can be a short term loan. Many times even people who work around the clock get stuck with expensive bills they didn’t expect and need financial help quickly. The problem with traditional financial institutions is that they are very rigid and can make the process stressful, especially if obtaining the loan requires a credit check. The beauty of small short term loans is that they usually don’t require a credit check and most of our customers receive their loan within one business day (depending on their bank). For some people, short term loans help accelerate their goals with little risk. Catching Up with Bills Even when it seems like you’ve got your finances under control, unexpected bills can pop and bring stress to your life. Sometimes all it takes is one event to disrupt your financial position. Getting ill and needing costly medication or treatment is one example of how you can suddenly incur large expenses, even if you have medical insurance. Another way people fall behind on bills is when they don’t plan ahead, only to realize it’s time to renew their driver’s license or other annual payments. People are so used to focusing on monthly bills that annual events can get forgotten until the fee is due. It’s nice to know that short term loans are there if you need them to make ends meet. If Your Car Breaks Down Everyone has to take care of…

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