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How to Choose a Pre-paid Funeral Plan

With the many choices and funeral styles that are available, it will not be difficult to find something suitable that can be tailored to your budget and desires. It is important you do not just pick the first option that you get, shop around from all the relevant providers and make sure you get the best price. You will find that each funeral provider has very different packages to suit a range of budgets. Bear in mind that there is masses of information to digest, so it is wise to get as much written hard copy so you can mull over your options at leisure. Before taking out a funeral plan it would be sensible to involve your family. Obviously, it can be difficult for families to discuss initially, but most come to terms with the reality and will be thankful that you are thinking ahead for their benefit as well as your own. You likely will find that family can be a valuable resource for ideas as well. Do not be rushed into choosing a plan. Give yourself plenty of time to pick the right plan for you. You do not have to feel alone in making these important ...

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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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7 Ways Being Stressed Can Cause You to Spend More

7 Ways Being Stressed Can Cause You to Spend More

Do you ever feel stressed? If you do, you are not alone. Most people do at least occasionally and some people more often than others. Stress is a normal part of life and can come from many different situations. But have you ever thought about some of the side effects of stress on your life? For example, there are at least 7 ways being stressed can cause you to spend more. 1. Shopping You’ve probably heard of retail therapy. It’s a type of coping mechanism you may turn to when you are stressed. To put it another way, you shop in order to feel better. The problem is that you buy more than you need or things you don’t need at all to temporarily feel better. But the problem is that it can become an endless cycle or even an addiction. Both of these problems can rack up thousands of dollars of debt and be hard to end. 2. Gambling Another way you may try to deal with stress it to gamble. It can distract you from the real problem and, like shopping, gambling can also turn into an addiction. Once you lose on a few large bets, however, you ...

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5 Money Tips for a Frugal Spring

This is a guest post from Pauline of InvestmentZen.com Spring is just a few days away, and what better time, as we start enjoying the warmer weather and longer days, to implement some good money saving habits? I know during winter I generally have lower energy, and when it’s dark outside, I feel more like a hot chocolate and a movie in bed than hustling. So let’s enjoy the new season and start on the right foot! Start a garden If you have a garden at home, starting a little vegetable patch is a fun and inexpensive hobby, that will give you delicious fresh vegetables come summer. Depending on where you live, you can start right now or in a few weeks. And if you do not have a garden, how about some herbs on your balcony? I even had tomato plants out my window one summer, they don’t need a lot of space. There is something very rewarding about growing your own vegetables. Pay attention to what your neighbors are planting, to see what the best species are for your location and climate. If you are in an arid area, watering your patch is going to be costly, but ...

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4 Financial Benefits of Going “Off the Grid”

off the grid

Whenever I feel stressed in my life, I fantasize about what life would be like if I lived off the grid. Certainly there would be fewer demands on my time and a much lower stress level. When I occasionally watch a reality show about other people living off the grid I can see that there are at least four financial benefits of going off the grid as well. 1 Save on Home Costs When you are not tied to a specific place because you have no house or physical address, you gain flexibility. Living off the grid can give you the freedom to live wherever you choose. In fact, you might not be tied to a specific location at all. This means you could travel to and live in multiple locations throughout the year. You can enjoy living in New England in the fall, or try your hand at living in the mountains during the spring or summer. During the winter you might decide to try living in a warmer climate such as Florida or Arizona. Imagine all of the different places you might see and various foods and experiences you could try by living off the grid. In addition ...

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