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We have collected several life hacks for travelers that will allow you to effectively use a bank card abroad without risk and loss. It is unlikely that anyone will argue…

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Balos Lagoon and the beach of the same name are located 60 km from the city of Chania and 15 km from the resort of Kissamos, from where excursions depart…

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How to save up for a dream vacation if you have a small salary: 9 life hacks

Financiers argue that even if your salary is poor, you can still save a small part and, as a result, spend your vacation in the country that you have long dreamed about. How is this possible? It’s all about proper planning and motivation, experts say. How to properly save money without driving yourself into a debt hole – in the material Passion.ru.
Do not borrow or lend
If you really want to go on vacation as soon as possible, then make it your rule to neither borrow nor lend money. In the first case, you can not return the amount on time and ruin the relationship with the person (or get interest at all, if you didn’t initially agree otherwise), and in the second case, if people can’t return the money to you on time and start to “feed breakfast” , you will also be left without funds and will have to rely only on yourself. But if you still intend to help, for example, your friends, then, following the advice of financiers, lend exactly the amount that, if you don’t return, you can easily forgive and forget (so you will not ruin your relationship with friends and will not be in a difficult financial situation )

“You understand, we have financial difficulties now. We will pay you. Sometime later”
Financiers remind you that you (and more precisely, your professional services and talents) need to be valued. And for no reason to agree to work just like that, in the name of the advent of a bright future. Unfortunately, many employers specifically lower their salaries or even ask to enter their position in connection with temporary financial difficulties and work in advance. They, of course, promise to pay your labor later, but only usually then it never comes. You, not waiting for the promised money, go to a new job, and your ex-boss finds himself another “victim”, ready to work almost for the idea. Therefore, immediately clearly articulate your salary expectations and do not agree to work without a contract, because in words you can promise anything, and then just pretend that you haven’t agreed on anything like this and, in general, see you for the first time in your of life.

“Credit? No, they didn’t hear! ”
It is not in vain that it is easy to take someone else’s, but you will have to give your own with interest. Therefore, try not to drive yourself into a debt hole (because if you can’t pay the loan on time, in addition to interest, the bank can set you an impressive fine, which, alas, you also have to pay). If, say, you want to buy yourself something expensive (or organize a dream vacation), then just start to slowly save money. Calculate how much time you need to collect the right amount. After all, when you have clear ideas and an action plan (perhaps finding additional income, and so on), then the necessary amount will be collected much faster. Yes, and it will become much more pleasant to save up when you set a specific goal, than if you just put it off “for something, then we’ll figure it out”.

No convenience foods or fast food!
Those who believe that if “austerity” is included, they will have to switch to low-quality cheap food (the same semi-finished products, for example, or fast food) are actually mistaken. No need to limit yourself to food, just reconsider your diet and replace harmful foods with something useful. For example, the same meat, fish, vegetables or fruits will come out no more than frozen ready-made meals, chips, cakes, sodas or burgers and will certainly bring much more benefit to your body.

Delicious homemade food instead of a working dining room
Another cost item that can be optimized is office catering. So, for example, instead of spending money on the dining room (or restaurant), just train yourself to bring home-made food to work. It is both more useful and more economical. Indeed, in the case of catering points, you can never be 100% sure that a quality cooked dish will be served there, while homemade food will not cause you suspicion. Thus, by the way, you can improve your well-being and get rid of extra pounds.

To shops with cash only
“But it’s more convenient with a card!” – you can object, and you will be partly right. However, financiers argue that in this case the risk of making rash purchases increases, because physically you will not feel the money and therefore without regret will start wasting virtual bills, believing that “there are still a lot of them.” Psychologists also agree that parting with virtual money is much easier than with real money. In addition, they urge not to succumb to advertising tricks, such as the “buy one product and get the second free” promotion and go to stores only with a real list of the products that you need to buy at the moment. Such manipulations will allow you to save a tidy sum per month.

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