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Vacation Savings Account PDF Print E-mail

By Melissa Tosetti 

There are many different ways to pull together or earmark money for vacations and other fun stuff. One of the most powerful tools is to create a savings account specifically for vacations.   Capital One 360 allows you to create multiple savings accounts so you can earmark your funds for a certain cause, i.e. vacations.  
 
One of the things I especially love about Capital One 360 is that they also offer a checking account with a debit card. When Paul and I are ready to go on vacation, we transfer the money from our vacation savings to our Capital One 360 checking account.   We then use that debit card throughout our vacation. The money stays separate from our day-to-day checking account and we are able to spend as we please because we know we are only spending our "vacation" money. There is something very freeing about this practice.
 
If vacations are a big part of your life, start automatically depositing money into your vacation savings account. Even small amounts will begin adding up and will keep you moving toward your goal.
 
One of my favorite habits for "finding" vacation money is to save the money you save. For example, our grocery store is Safeway and we have a Safeway Club Card that offers additional savings for being a member (membership is free). When I use my card, the amount of money I saved is at the bottom of the receipt. When I get home from the grocery store, I automatically go to my computer and transfer that amount from my day-to-day checking to my vacation account.
 
Through savvy grocery shopping, I save an average of $75 - $150 per month for our vacations. Also, the money saved by savvy shopping is used for a specific purpose instead of vanishing into thin air.
 
Other ideas to save include:
  • As you receive gift money, consider putting it into your vacation savings account. 
  • Do you get overtime? Instead of letting that money get absorbed into your checking account, immediately transfer it to your vacation savings account. 
  • Another option is to transfer any leftover money at the end of the pay period into your vacation fund. As you continue this process, you will be surprised at how quickly that money adds up.

 

 
Schedule It! PDF Print E-mail
By Melissa Tosetti
 
Christmas is nine days away and Hanukkah begins tomorrow!  It's likely you still have dozens of errands and tasks to do before the holidays officially arrive. 

Instead of trying to haphazardly squeeze your to-dos into your day - schedule them. Literally, write them into your calendar to ensure you give yourself the time you need to get the tasks done.  

One of the things I used to always get caught by is wrapping gifts.  Every Christmas Eve I'd scramble to get it done right before walking out the door to go to Paul's dad's for dinner.  A task that should be fun became a stressful chore.  After learning a time management tip from a friend - to block out travel time on your calendar for out of the office events such as lunch meetings, it dawned on me that I could apply the same technique for tasks such as wrapping gifts, holiday shopping and more. That simple habit has made all the difference in the world allowing me to enjoy the holidays so much more!   

For more ideas on how to thrive during the holidays, download a copy of Thriving During the Holidays.  The eBook is filled with easy-to-implement, time and money saving ideas to help you turn the holidays from something you survive, to a time to thrive. There’s no reason why kids should have all the fun during this time of year! The goal of the Thriving During the Holidays eBook is to help you turn the holidays into something you enjoy just as much as the children around you. 
 
Thriving During the Holidays shows you how to: 
  • Create a holiday budget.
  • Save your sanity and your cash when shopping.
  • Strategies for making holiday travel as smooth as possible.
You will also learn how to:
  • Plan your meals to save time and money.
  • Stay in control of your schedule.
  • Donate more than just cash to charity.
Find out how to save money on:
  • Holiday Cards
  • Gift Wrap
  • Decorations
We also share our favorite:
  • Holiday Websites
  • Shopping Spots
  • After Holiday Sales Strategies
There's also an entire chapter dedicated to tips on how to relax and enjoy the holiday season so much more. 
 
Thriving During the Holidays is available at the affordable price of just $4.95. To purchase and immediately download your copy, click here: 
 
 
 
 
10 Gift Ideas from Amazon PDF Print E-mail
By Melissa Tosetti
 
I love to give books as gifts.  I'm almost always able to find a title that's perfect for those on my list.  If you're struggling to come up with gift ideas, the list of books below may be able to help.  It includes everything from biographies to cookbooks, children's classics and soon to be classics. 
 
By Cary Elwes - $15.60
For anyone who has said: "My name is Inigo Montoya. You killed my father. Prepare to die."  
 
 
By Sarah Goldschadt - $16.44
For your craft loving friends and family members.
 
 
By Tristan Stephenson - $16.73 
For your cocktail loving, loved ones.
 
 
By Mark Bittman
$21 on Amazon
For those who would love to cook, if they "had the time". 
 
 
By Hans Christian Andersen - $13.36
A book every home should have.
 
 
 
By Dr. Seuss - $11.33
A wonderful gift for adults as well as children.
 
 
By Laura Ingalls Wilder and Pamela Smith Hill - $24.68
For the fans of the book or television series.
 
 
By Potter Style - $6.49 
For the book lover.
 
 
By Elizabeth Foy Larsen - $14.50
For children who could use a break from technology based entertainment.
 
 
And finally, a book for the that friend or family member who loves to learn "stuff".
 
 
 
5 Minute Thanksgiving Organizer PDF Print E-mail

Thanksgiving is one of the most anticipated holidays of the year. It is also one of the most overwhelming. In an effort to help you enjoy the holiday so much more, we’ve created the 5 Minute Thanksgiving Organizer. 
 
Keep in mind that, getting organized doesn’t mean making it complicated. This organizer was purposefully designed to be as useful as possible by keeping it as simple as possible.
 
Download your free copy now... 5 Minute Thanksgiving Organizer
 

 
Affordable Fall Travel Ideas PDF Print E-mail

By Melissa Tosetti

BudgetTravel.com is one of my favorite resources for affordable travel ideas.  They just released their list of the 20 Best Budget Vacations for Fall

San Francisco, Las Vegas and Yellowstone Natonal Park made the list.  Dublin, the Dominican Republic and Barcelona are also listed as affordable vacation spots.

The one destination making the list that is a pleasant surprise is Romania.  My friends Geoff and Kathy visited Romania and Turkey (which also made the list) last year and had an adventure of a lifetime.   

Corvin Castle
Romania
 
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