Are you having trouble staying on course with budget?

Everyone says they have a budget, which certainly means that you’re at least trying to save money and spend less. The question remains, however, isn’t so much how good is your budget but are you actually sticking with it the way you planned?

The point of having a budget is implementing it in a way so you can stick to it, plan accordingly and ultimately save money and pad your finances for whatever reason you’re thinking of this week: savings account, nest egg, financial future and retirement.

What tends to happen, however, is budgeting becomes more about saying you have one and less about actual execution. Budgeting is like joining a gym; just because you did one, doesn’t necessarily translate into the other.

Joining a gym doesn’t mean you’re going to go, much the same way having a budget doesn’t mean you’re going to stick with that, either.

So how exactly can you train your brain to stay on course as it relates to your budget and not falling off course?

If you’re overlooking your spending habits, that’s a first sign indicator that you really haven’t fully grasped the idea of a budget. Yes, we know you have your bills and the larger debt that you have to account for on a daily basis. That being said, when was the last time you put putting gas in your car, meals eaten out in restaurants, coffee and clothing on your budget as being worthwhile to track?

Those items and others of that ilk tend to get lost behind car payments, house mortgages, rent on that townhouse or apartment and your cable and phone bills. You have to make sure you’ve planned to add to that budget to include things you spend money on daily, since those add up quickly into thousands spent yearly and you wondering aloud why you aren’t able to save with the budget as it stands.

You also want to look closely at your budget at it pertains to credit cards, specifically how much you’re paying on them. If you’re only paying the minimum payment, you might want to rethink your repayment options. The minimum payment can suffice if your goal is ultimately to build more into your savings account and you have a fixed payment in mind. That minimum might be part of your budget if that’s all you can afford, but checking your budget to increase the minimum means less high interest paid over time, but also the ability decrease overall debt faster.

Budgeting bites the dust typically when you don’t account for all facets of it, or take money saving as being too topical and typical than it really is. The more specific you can make your budget, along with adhering to it, the better chance you have of success.

How to Save Money on Your Next Hotel

Nothing is quite as exciting as going on a trip to a new unexplored land. Americans usually travel during the summertime when they have the right to take their vacation time. Sometimes they travel for business trips at random times of the year, or they have some other business they have to conduct. Hotel accommodations are sometimes the most expensive part the trip, and they are probably so expensive because people know that travelers cannot go without sleeping. The following are some tips for reducing the cost of a hotel stay during a trip:

Conduct an Online Search for Price Goodies

Price goodies are all those sweet deals that save consumers a lot of money. Price goodies include things like coupons and discount codes. Coupons are valuable because they can save a person 20 percent or more. Patience is a virtue, and coupon users need to remember that they have every right to take their time and claim their discounts. Consumers can print coupons. Promotional codes are numeric codes that a person punches in during the checkout process. Anyone can find coupon codes and coupons by typing keyword phrases.

Stay for an Extended Period

Clients who stay for extended periods tend to receive discounts from the hotels. Customers can reserve rooms at certain hotels for a week. The price goes down significantly from the daily price added seven times.

Catch Time-Sensitive Deals

Time sensitive deals are always an amazing way to save money on hotel stays. For example, some Super 8 motels are currently offering sales prices that give their customers as much as 20 percent off the price of their reservations.

Earn Credit Card Rewards

Some credit cards have rewards programs that customers can use to receive hotel discounts. They earn the rewards by buying certain things with their credit cards. Some people earn their rewards when they first sign up for their credit cards. The rewards can help them to get a wonderful deal on hotel tickets.


Finally, the negotiation tactic may not work with the larger establishments, but it can certainly work for smaller hotels. The person can try to “work a deal” with the hotel owner for a cheaper rate. All previously mentioned tips have a high level of possibility. The consumer can try several of them to ensure that he or she receives optimum pricing.