Have you ever wanted to throw a party, but were afraid to because of the stress and price tag attached to it? Parties can be stressful and expensive, but it doesn’t have to be. Here are a few tips on how to keep your stress levels and expenses low while throwing an epic party.
1. Do a little Planning
A little planning never hurt anybody. In fact, when you sit down and really plan your party to the last detail, you’re setting the stage for a worry free party where everything just works. Planning everything from the placement of drinks to contingency measures to deal with broken plates, spilled drinks and even backed up toilets so it won’t affect you too much and your party will go on without a hitch.
2. Make a Budget
If you don’t want to get a budget hangover the next day, make sure you set a budget for your party and don’t go over it. Make a list of all the things you need and prioritize each one. If food is on the top of your list and printed balloons are at the bottom, serve your guests the best food you can make and just pick up cheap latex balloons you can mark with a pen. Be sure to leave some money for party necessities such as ice and drinks.
3. Digital Invites
Don’t waste money on paper invitations and postage stamps. Services like Evite and Punchbowl are excellent for sending out cool invites to all your guests. These are customizable and you can even choose what type of party you’re having and what contribution your guests can bring. You can always use Facebook if you hate signing up, but the invites on those two look way cooler.
4. Choose a Theme
Cowboys or Aliens? Choose a theme for your party! It doesn’t have to be a swashbuckling pirate party. A simple pajama party or Hawaiian shirt party can set the tone and give your guests something to talk about. Remember, the atmosphere has to be fun and the reason you’re throwing a party is for you and your guests to have a good time.
5. Make it Potluck
You can cut your food costs down if you ask your guests to contribute their favorite dish. You can have a mini competition or ask them to just bring appetizers while you take care of the main course. Potluck adds diversity to your menu. You can theme your food as well by having a taco party, a pizza party or even an all American party of burgers and hotdogs!
6. BYOB (Bring your own booze)
Drinks can put a huge dent in your budget. You can handle this three ways: ask your guests to bring a bottle of their favorite drink with them (BYOB) or if they prefer mixing it, they can provide the main ingredient and you can provide the rest.
Next, you can pick a theme drink like gin & tonic or Screwdriver and only stock up ingredients and liquor for that, while showing off your skills as a bartender. Lastly, you can just serve wine or beer by buying by the case at any Costco’s, where the discounts really make a difference.
7. Set the Mood
Greet your guests with a smile and warm hug! It’s important that you’re all prepped up and done fixing your hair when your first guest arrives. Not rushing to and from the kitchen looking frazzled and overwhelmed helps too, so be sure to have all your food prepared way in advance.
Use your phone or computer to stream music from Pandora or Spotify to set the tone for your party. Set the drinks near the entrance too, because that’s the first thing thirsty guests will look for.
Party starts @ 7:00
Throwing a party shouldn’t be stressful. It should be loads of fun! The next time you’re thinking of throwing a party, make sure to do a little planning first and try to keep your costs down. And don’t forget to have a blast with your friends!
Binary options is fairly new in the stock market trading, more like in its infancy in the world financial trading arena. Binary options give the traders alternatives who are not exactly experts in the most complex financial instruments or for those who do not have the means to invest thousands of dollars on their first trade. This type of option is very feasible, especially for beginners.
With binary options, you can benefit from significant profits and at the same time, take advantage of of a minimal investment.
Since this type of trading is relatively new, we’d be giving you basic information on what you need to know to be able to trade and get started making money with binary options.
What is Binary Options?
It is a very simple contract with fixed rewards and fixed risk. This is an upcoming financial trading method where this is only the two outcomes that you would expect from it. You, as the trader, will first sign up with a platform, like Binary Uno, and then will guess if the assets will increase or decrease by the time it expires. If you guessed it right, you get the profit and if not, you’ll lose your investment minus a percentage that remain in your account. It is not that complicated. When you think that the asset will go up, you select the Up option in most binary platforms and if you think that it will decrease, select the Down option and put in your price.
It means that for the average trader, it provides instant results and gratification. This type of trading also happens in a web-based environment so that you can do it from your own PC connected to the internet. The trading is a whole lot simpler and straightforward than any other kind of financial trading out there in the market. As for the benefits, this includes instant results, a simple trade, low risk, Web-based trading, a game-like experience and a prospect for huge profits.
There are three key ingredients to a binary option trade and that is:
- Expiry Time – simply the length of time wherein from the moment you “buy” the option until it closes.
- Strike Price – the price you were able to enter the trade. This determines whether your trade will win or lose.
- Pay-out Offer – the offer of the binary option broker to you.
Is there any downside to Binary Options?
As much as it sounds extremely easy, the downside of this type of trading is that like any other market out there, if you venture into this trade without research or enough preparation, you can definitely lose money. If you treat this as a casino since it is fairly easy and fun to do, that can be also dangerous.
The risks are typically limited and pretty low, contrary to other financial markets. You will know exactly what you will get based on how much you want to invest and you can’t possibly lose more than that. Do keep in mind though, that you pay for losing trades — you lose your trade amount or the majority of it.
Now that you know the basics on binary options trading, another thing to consider as well is that you would need to find a reliable, trustworthy, dependable broker. If they offer excellent advice, the better. You will still need assistance no matter how easy this type of trading may sound. Be sure to look out for binary brokers that offer great customer service support, flexible in trading assets, and easy to navigate website for your convenience.
Would you try out binary options and add it to your investment portfolio?
On some level, everybody wants to get rich. Even if you don’t desire opulent wealth, nobody doesn’t want their material needs to be met. That’s what wealth and abundance are about – being able to live with the luxury of not having to struggle for survival all the time. For people who grew up without it, wealth is a life of relative ease. Your work and goals can be somewhat independent of the need to feed, clothe, and house yourself. Whatever you may feel about the haves and the have-nots, wealth is nice for those you have it, and it’s not an unwholesome goal to have.
But how do you know you’ve arrived when it comes to wealth? Is it when you’re worth 7 figures? Is it when you can go on vacation? Is it when you have money in the bank and no debts at all? To me, it’s not so important when you become wealthy as it is that you are becoming wealthy. Every step of the way from relative poverty to relative wealth is going to have rewards all its own. And once you start to climb this ladder, you’ll start to notice them. Here are some of the ones you can enjoy as you start to get money in a meaningful way.
- You’ll Have Less Anxiety. This has nothing to do with thinking too much about money, it’s just the way the world works. Poor people don’t have to worry about money as much as they have to worry about the effects of not having it. Housing, health care, transportation, each of these things will start to be less of a bother. You’ll have the money to cover them, and you won’t have to sacrifice on or the other in order to keep up in life.
- You Find Ways to Make More Money. Just like debt snowballs, so does wealth. People who have a few investments as well as money in the bank start seeing opportunities to make money everywhere. The invest in Forex trades, real estate, further education, and a lot of different decisions that add to their earning potentail over time. Becoming richer becomes more of a way of life, just as scrambling to survive used to be in the old days when money was scarce.
- You’ll Be Able to Be More Well-Rounded. This isn’t a sleight on poor people at all. It’s just the way things are. If you don’t have much money, you can’t pursue hobbies, interests, learning opportunities, as much as someone who has a little money to spare. It’s a sad thing. All people have minds that can be developed and cultivated. It’s a shame that people with fewer means aren’t able to focus as much time and energy to develop theirs that someone who has slightly more money.
As you can see, even accumulating a very little wealth starts to pay off in noticeable ways. This list is by no means exhaustive. Once you get a little farther down this road, you’ll notice a lot of little benefits to having a little more money. One day, if you keep it up, you’ll have a lot of money. But even a little wealth has noticeable rewards.
Most of my more recent friends think of me as being good with money. To an extent, their perception is accurate. I love talking about total return, asset allocation and risk tolerance. I would happily debate the merits of holding stocks in a portfolio past retirement age, or the importance of guarding against inflation risk.
These are concepts related to investing. Cash management, however, is an entirely different animal.
From the time I was little, my relationship with cash has leaned toward the dysfunctional. I have experimented with multiple bank accounts at different institutions, paying myself for services I have decided to forgo, and putting money in a swear jar. I have gone to ridiculous lengths to keep from raiding the proverbial cookie jar, including bank accounts in far away cities with no access points whatsoever and complicated electronic “envelope systems” that ultimately and inexplicably led to overdraft fees in multiple accounts at the same time.
Some time after I joined the “real” world, cash and I reached an understanding. I no longer need go to ridiculous lengths to keep my family solvent. But even now, careful scrutiny of my comparatively streamlined approach to cash management will betray signs of its tumultuous beginnings.
Here are some of the tricks I have used to save for a goal, keep my spending under control, and keep things interesting. Because let’s face it, managing cash can be BORING.
The Coffee Game. Ever have a habit that needs a hard look, but is too dear to you to bear scrutiny? Mine was fancy coffee. $4 worth of it, nearly every day. So I started saving my coffee money and brewing the coffee at home, just to see how fast it would grow. I used a jar because I wanted to literally watch it grow, but these days online banking makes it easy to do it in a bank account. But I like the cash – it makes it more fun. (The result of my diligence was a taste for only black coffee, which has saved me lots of money over the years.)
Save the Fives. This is another one that helped me make good decisions about my smaller spending decisions. There was never a time in my life where spending $5 would cause me to lose sleep, yet saving my fives was enormously satisfying. I’ve used this one to save for things that I didn’t think I could afford at the time, and it taught me to be mindful of how small changes can have a big effect on my financial situation.
Turn on the autopilot. When online banking became a thing, I was sure it was a gift from heaven, just for me. I started adding up my fixed expenses (rent, car payment, insurance, etc.) and redirecting them to a separate account (the one in a different city with no access point, actually.) I also included just a little bit extra each month, just to be safe, set up all my bills on autopay, and pretty much put the whole thing out of my mind. Lo and behold, when I checked back several months later, there was a surprising amount of money in the account – more, in fact, than I had ever had at one time. It was that feeling that helped the lesson sink in. In order to build wealth, I had to find a way to foil my own worst self.
Obvious, yet elusive
I am perfectly aware that not one of these scenarios netted a result I couldn’t have foreseen with some pretty basic calculator work. But that’s not the point. As you may be aware, it’s a theme of mine that people rarely behave rationally, and I am a spectacular example. There is absolutely no reason to be ashamed or embarrassed because you find the basics of managing cash to be elusive. Saving money is difficult for many of us, and admitting that you may need to do something unconventional to accomplish what is simple in concept is the first step to building wealth.
Of course, from a strictly financial standpoint, not one of these strategies makes sense. Don’t let that stop you. Remember that sometimes the best tool for managing cash is the one that works for you.
If you’re short on cash and need money in a pinch, turning to a quick loan is a viable option. However, before applying, you may have a few reservations about what a quick loan is and how it works. Below is a brief overview of the quick loan process.
What is a Quick Loan?
Quick loans are a convenient method to get money fast and when you need it the most. It is a loan with a high-interest rate that could lead borrowers into a huge financial trap if not use appropriately. However, quick loans should be used as an emergency short-term loan. You can get access to these loans in as little as 24 hours.
How to Qualify for a Quick Loan
Unlike a typical loan, your credit score is not used to determine your eligibility for a quick loan. Therefore, a credit check is not necessary. Typically the qualifications for a quick loan are that you need to have a reliable form of income. You also need a valid checking account since the quick loan will be deposited into your account electrically. In addition to that, your payments will be automatically withdrawn from this account.
Your eligibility amount is determined by your verifiable income. Since most quick loans are required to be repaid on your next paycheck cycle, it should not be more than your paycheck amount. Some quick loans, however, do offer flexible repayment options. So you could qualify anywhere from $250 to $5000 and more.
What Proof of Documentation Do You Need?
Today applying for a quick loan is quick and easy. To show proof of eligibility, you may need to submit the following documentation:
- State issue photo id
- Proof of income
- Valid checking account information
You may be required to either fax or uploads those documents to the quick loan lender.
Faxing and Emailing Tips
Since you may be pressed for time and need your money immediately, running around town to make copies of your documents can be a hassle and have you miss the cutoff deadline. So below are a few tips on how to successfully fax or upload your documents to get approved for your quick loan fast.
- Take a picture of your documentation with your smartphone
- Upload your documents to an online storage drive
- If required to fax your documents, use a free service such as HelloFax or FaxZero
Above is a brief overview of how quick loans work. Now you should be able to have everything at your fingertips to apply and be approved ASAP.
Rather than wasting your time with half-hearted efforts to attain more money, why not focus on the money you already have? Whether you are thinking of buying a property, looking for a suitable investment or attempting to increase your savings, you should seize any opportunity to make the most of your finances. Here are some ways to maximise your wealth potential.
1. Improve your financial literacy
Do you ever have trouble making sense of your finances? Deciphering documents such invoices and tax returns can be a complicated process, especially if you don’t have much experience with managing accounts. Expanding your financial vocabulary will make bookkeeping significantly less confusing and enable you to comprehend the most important details of your finances. A qualified accountant or financial planner can help to broaden your understanding of money, giving you the potential to maximise your wealth and secure a financially stable future.
2. Forex trading
Forex trading involves speculating the value of currencies on the foreign exchange market, with the objective of generating a profit. It may sound complicated, but anyone can learn how to become a forex trader, and it presents the possibility to generate a source of income. If the world of trading sounds appealing to you, consider expanding your knowledge with a training organisation such as Learn to Trade , where experienced traders can provide expert advice via a Forex workshop .
3. Establish an investment plan
In order to successfully invest your money, it is essential to have some sort of a plan in place. Resist the urge to rush out and invest your savings without stopping to consider the consequences first. Identifying an appropriate investment can take time, but by studying the stock market and taking note of current market trends, an opportunity to maximise your wealth potential should eventually present itself. Even putting as little as 10% of your earnings each month into an investment can eventually lead to a valuable source of capital, especially as your wage increases over time.
4. Combine your bank accounts
Unless your have an unavoidable reason to keep your checking accounts separate, combining them could save you hundreds of dollars in bank fees. As small as they are, you might not take much notice of fees as they are deducted from your account, but they can add up over time and hinder your capacity to maximise your wealth potential. By transferring every last cent of your day-to-day spending money into the one account, you can protect your hard earned cashed from costly fees. In order to resist spending your savings, they should be kept separate, preferably in a high interest account where they can’t be easily accessed, and any unused banks accounts should be closed down immediately.
Anyone can maximise their wealth potential, regardless of their current financial situation. Do you have any advice on how to make the most of your money? What has worked and what hasn’t worked for you? Share your thoughts in the comments below and contribute to the discussion.