Home > Author Archives: Kayla Sloan

Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

How to Protect Your Money When You Travel

How to Protect Your Money When You Travel

All too often we hear news reports about people who have been targeted by thieves while traveling. Some may have only had a camera or a watch stolen. Other unfortunate souls, however, lost much more. But are there way to protect your money when you travel so you don’t become the victim of a thief? Here are a few things I’m going to try to do to protect my money when I go on a trip next week. Leave it at Home One of the best ways to protect yourself and your valuables while traveling is to leave those items at home. Being away from home already puts you in a vulnerable position. For one thing, you most likely don’t know the area as well as your home town or city which makes it harder to navigate. In addition, you could end up in situations you wouldn’t normally be in, such as walking a dark street at night. Leave expensive jewelry and clothing at home. Don’t take a large amount of cash with you during your travels. Prepare Make advance copies of your birth certificate, passport, and other important documents. Put some of your money in your wallet and some ...

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The Top Ten Reasons Why You Should Choose a Sim-Only Deal

A more flexible monthly cost: When choosing a phone to go with your sim, the prices of contracts are vastly limited in terms of choice. Say for example, you travel nationally a lot and so need a deal with a lot of data, you may find this deal but it might be paired with a phone that bumps the monthly cost up too high, having a sim-only deal will remove this problem as you are free to use whatever smartphone you need. Much, Much lower monthly prices: The most obvious benefit to choosing a sim-only deal would be the much lower prices a month. It is easier to buy a smartphone upfront elsewhere and then take out a sim-only contract for a lower price. This gives you access to deals with a much higher Call, Text and Data allowance for a lower cost by eliminating the cost of the smartphone from the total cost of the deal. Generally shorter contracts available: Because you don’t have to pay off your smartphone as well as pay for your usage, sim-only deals are easier to find as 12 month contracts as well as the usual 24 month contracts. This is a huge benefit ...

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Moving to Seattle? 3 Tips for Finding an Apartment as Population Grows by 1,000 Each Week

Recent estimates from the U.S. Census Bureau show that Seattle has the ninth fastest-growing metro area in the U.S. This means the Seattle area gains approximately 1,100 residents per week, according to calculations from the American City Business Journal. In other words, real estate is a hot commodity in the Emerald City these days. Whether transplants are ex-Bay Area professionals seeking relief from soaring property prices or fresh-faced Midwesterners hoping to experience all that west coast life can offer, an influx of residents mean that the housing market is more competitive than ever. Keep reading for apartment-hunting tips that can help you nab the living space of your dreams (with enough natural daylight to counteract the gray, drizzly weather, of course). Research Your Future Neighborhood The Internet makes it possible to get a good feel for pricing and different neighborhoods without requiring you to actually hop on a plane. As Business Insider points out, you’ll want to focus on three categories: neighborhood personality, neighborhood price, and commute time. Dig deeper and check out recent news articles from each neighborhood as well as yearly crime statistics. If you’re torn between neighborhoods, come up with your own ranking system and crunch the ...

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5 Tip to Negotiate a Lower Credit Card Interest Rate

5 Tip to Negotiate a Lower Credit Card Interest Rate

Do you use credit cards? Personally, I try to avoid using them most of the time. I’ve found that it’s far too easy to pull it out and pay for everything. Plus, I’m somehow always end up spending more than I planned. But if you are like most people, including me, you do use one at least occasionally. Of course, if you use it often, it eventually catches up with you when the bill comes in the mail. If you aren’t able to pay it off in full each month, you may end up with high interest charges to pay each month on top of the cost of your purchases. But negotiating a lower credit card interest rate can help you get your purchases paid off without wasting as much money on interest. Here are some tips to help you negotiate a lower credit card interest rate. 1. Don’t Switch Cards Although it may be tempting to try to get a credit card from a different company and transfer the balance, it may not work to your advantage. Each time you apply to get a new credit card, the issuing credit card company does a hard inquiry to your credit ...

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Should You Move to Lower Your Cost of Living?

Should You Move to Lower Your Cost of Living?

When money gets tight, you are probably like most people. You may start looking for ways to cut your costs and stretch the income you have available in order to make ends meet.  But how far are you willing to go in order to pay for everything? If you find yourself in the situation where you have more month than money on a regular basis, you might be thinking about ways you can lower your cost of living each month. One way to do this is by moving to a lower cost of living area. But, should you move to lower your cost of living? Here are some things to consider first. 1. Job Loss Losing your job and income is one of the major reasons many people move, but moving may also help you lower your cost of living. It can give you the chance to start over and may be just what you need to bolster your spirits and get you going. Don’t do it on a whim, though, because there could be a few drawbacks too. For example you could be leaving behind extended family and friends you have known all your life. You may also be ...

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