Making a Budget and Sticking to It

Without a budget, it is impossible to have a financial plan. It could be that the plan is to simply pay off bills. Or a person could be planning to be able to afford their dream vacation. Whatever the future plan is, making a budget now is the key to success. A successful budget is one that is realistic. A budget that is designed so that a person can make $1 million in one week is not realistic for most people.

The first step in making a budget is determining how much money needs to be made. There’s a lot of ways a person can do this. For example, they can look at their checkbook, if they’re still using one, or they can consult with their bank. A lot of the expenses that people have are consistent in that they happen every week or every month. These are easy to budget for. Problems arise when people forget to include things in their budget that occur once a year or once every six months, such as taxes or insurance.

Just forgetting one bill is enough to throw an entire budget off. A good rule of thumb is to add on an additional 15 percent to the budget. So if the budget for the month was $1,500, adding another $225 on will serve as a good cushion. Even if that additional $225 is not needed to cover bills during the month, it can be put into savings. Over the course of a year, a person can save almost three grand.

Next, a person needs to look at their income when deciding how they are going to stay afloat. It’s good to look at their regular salary as well as any additional income is going to come in through the year. Things like alimony and child support should be taken into consideration.

Next comes setting goals. This is where it can be hard to be realistic. It’s unlikely that one will be able to pay off their credit card debt in one month. However, with determination and a desire to spend less money than is coming in, a person can make this a reality.

At times, unforeseen occurrences may require a person to learn about cash loans for car titles as a way to get quick money to cover any unforeseen occurrences. This money that is loaned should to be included in future budgets with the goal of repaying the loan as quickly as possible to minimize interest payments.

Automated Car Parking Garage

Nobody likes to move. This is a fact. However, most of us have to move at some point in our lives. Because moving is an inevitable task, it behooves us to find ways to make it as bearable as possible. In fact, there are three ways that you can reduce the amount of stress that generally comes along with the moving process.
Get a Running Start
That’s right. Start as early as you can. If you use this tip, you can take your time with the packing. You could even pack a few boxes a day and still be ready when it comes time to move. This tactic saves you from the cliff notes version of moving, where you have to do everything at once and you’re pressed for time. If your move is simple and you don’t need anything like an automated car parking garage, everything should flow fairly easily.
Make Important Things A priority
If you’re using a moving company or shipping your car, get things set up as soon as possible. These are not the types of things to leave for the last minute. Do these things early. You will have peace of mind. If you leave important details as the last minute task, expect problems. It’s more likely for things to go wrong when you are rushing.
Minimize
Use only the items you need and pack everything else. You may have to whittle your use of many things down to the basics. However, it’s well worth it to get things packed and out of the way. You will be able to relax the last few weeks leading up to the move if you are consistent and do a little at a time.
Save yourself from the stress and headache of moving by starting early. Manage all the important details first, and get them out of the way. If you’re using movers or shipping a car, this needs to be set up well in advance. Pack seasonal items first. It’s also helpful to use only what you need. This will allow you to get most things packed away and ready for the move. No one likes to move but it must be done. If you start early and do a little bit at a time you avoid a lot of the stress and headache that comes with moving.

Will Car Insurance Cover Storm Damage?

What starts as a mild storm can turn ugly quick. The question of whether the car insurance policy you have will cover storm damage is to be expected. Below are a few facts to consider before you experience damage to your vehicle from a serious storm.
Unpredictable Weather

Weather patterns seem to be getting less and less predictable every year. While the debate rages as to why this is happening, the answer does nothing to alleviate the worry of having serious damage occur to your vehicle. Take the time during calm weather periods to look at your current policy and see what coverage you already have.
Look Beyond the Basics

A basic liability car insurance policy will make your vehicle legal to operate on the road, but it will not cover the costs of repairing or replacing a vehicle with serious storm damage. Basic policies are designed to cover property, medical and vehicle damage done to another vehicle when you are at fault. You will need to consider adding additional coverage to protect your vehicle from damage.
Consider the Age of the Vehicle

The age and condition of your vehicle should figure in on the decision to get added coverage. The increase in monthly premiums might not be worth it if there is very little to recoup in value. You might be better off placing those funds into an interest bearing account and save the money for a replacement vehicle.
Keep the Garage Handy

Stay weather-aware and put the car in the garage when there are warnings. it is a myth that cars must be left in the open for the insurance policy to cover damages. An existing car insurance policy will cover the vehicle whether it is in the garage, on the driveway or being driven on the street. It simply makes sense to protect your car as much as possible from getting damaged.
All About Timing

Hurricane season is roughly six months of the year in the state of Florida. Although it has been some time since the last serious storm hit, there is always the possibility of tropical systems kicking up enough wind, rain, and hail to damage your vehicle. It is too late to get or change coverage once a storm warning is issued. Make sure you add the coverage you need before a storm sets sights on your area.

Contact experts like Fearnow Insurance to get the storm coverage you need from auto insurance carriers in Florida right away!

A Disability Van Can Increase Mobility

A conversion van is a full-sized van that has been later outfitted by third-party businesses to include rearranging the seats and spaces, adding luxuries for road and camping trips, or making structural modifications that will enable a person in a wheelchair or otherwise handicapped to use the van.

A certified service staff can custom fit a disability or handicap van with the ergonomic and adaptive equipment that meets specific needs and requirements. That includes such necessary features as a raised roof or a dropped or lowered floor to allow head clearance, a platform lift/mechanical platform added to the passenger side doors or rear doors to allow entering and exiting the van, and a choice from a full stock of accessories.

Lowering the floor maintains the factory roof line and body profile while providing ample headroom and space for interior maneuvering. Raising the roof means the factory floor stays at the manufactured height and the roof is raised to allow for substantial interior space and headroom.

For a handicapped driver, there are sophisticated electronic driving systems including electronic acceleration and braking, interior and exterior switches for power door and lift operation, power side door openers, specialized handicap seats, high-tech hand or electronic controls, left foot gas pedals, brake pedal guards, pedal extensions, steering knobs, and more that will enable continued independent driving. A customized system can be designed to accommodate a variety of disabilities and open up a world of possibilities.

Wheelchair van conversions are accomplished in accordance with strict safety standards by a team of mechanics and engineers who are master craftsmen.

When you are looking at conversion vans for sale in Georgia, R & R Mobility Vans & Lifts, Inc. is a family owned and operated business located in Conyers in the heart of the state and only 20 minutes from downtown Atlanta.

If you want to sell or trade-in an accessible vehicle, they will give you a great and fair offer. They love the opportunity to refurbish such a vehicle and provide it to someone else who is in need. Stop by and let them show you how they can help you choose from one of the largest selections of new and used handicap accessible vans from all the great brands.