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Here are numerous ways to earn money to support yourself while you are travelling in far-off places.
Wouldn't it be good news if you were able to secure jobs as you tour various countries which would reduce the requirement to dig into any savings that you might be using? Fortunately, there are a considerable number of job vacancies in most countries. The following list is not exhaustive but is a guide to some of the more common types of jobs available.
There are numerous opportunities to teach English abroad. Although you do not need a degree to be able to do so, some kind of qualification would make it easier to find a teaching job. Not only will teaching provide you with an income but also, hopefully, a great deal of satisfaction as well. You may, however, find that you are committed to a 12-month contract.
Many countries have openings for English-speaking au pairs. This role provides you with an excellent means of improving your ability to speak the language of the country you are visiting. Your employer may even give you access to a car. As with teaching English, you may find that your contract is for a minimum of 12 months.
Working on a Cruise Ship
There are so many different jobs available on cruise liners. You could be working as a waiter, pool attendant or cabin boy. There are roles that involve helping with excursions on shore or providing the entertainment. Working on a cruise liner also gives you the chance to visit many different ports in numerous countries around the world. You may get the opportunity to work on a specialist small cruise ship that, as part of its itinerary, offers whale watching holidays. You will probably be surprised just how popular whale watching holidays are and you may well discover that the passengers on this type of cruise are a little more affluent and therefore more likely to tip well.
If you have just come out of college as a qualified hairdresser, how about locating yourself on a beach in an affluent destination, putting up a well-designed sign and offering to cut people's hair? You will be pleasantly surprised to see how many people find what you are doing novel and therefore avail themselves of your service.
You could take your laptop on holiday and write articles for companies who specialize in travel advice. It is easier to write articles about subjects that you have an interest in and there are numerous opportunities to write about travel-related subjects. Just imagine relaxing on a beach in Cannes with a cool glass of white wine and writing about the experience.
Hotels and Pubs
You will find there are many establishments that have vacancies for casual bar staff, waiters and kitchen workers. If you are accepted to work for a multi-national chain of hotels, there may well be several opportunities to work for the group in a number of their hotels around the world.
There are often a number of car-valeting businesses in towns around the UK, so it should come as no surprise that they are equally as likely to be found abroad. Be bold and approach them to ask if they have any vacancies.
There are many more examples of ways to earn money while travelling abroad but hopefully one of these examples may appeal to you.
With the state of the economy today, small businesses have many choices when it comes to renting business spaces. Not only are larger commercial buildings being divided into multiple smaller spaces, the overall rate for renting business spaces has gone down as well. If you are looking to rent a space for your small business, the following tips can help.
Know Your Market
Before you set out on your search for a business space, it is a very good idea to familiarize yourself with the local market. A licensed real estate broker can help tremendously with this, so it is probably in your best interests to work with one. A broker can help you get the inside information on all of the vacant rental space in your area, which is key in knowing your market. Brokers will not only know rental rates and lease terms, but the details on landlords as well. Once you familiarize yourself with your local market, you can begin shopping around for the right space for your business. It is advisable to shop around before deciding on any rental space so you are sure you are getting the best space for your money.
Consider Lease Length
Lease length needs to be taken into consideration when shopping for a business space. Since the state of the economy has declined tremendously, you may be able to get a lease for whatever length you wish. Since many landlords are dealing with vacant properties, they will often be willing to negotiate and design a lease to your specifications. Although you may find many landlords willing to work with you, always have a plan in mind before starting any negotiations. You do not want to enter into a lease simply because it is a good deal.
Consider Utilities & Maintenance
When you rent a space for your small business, you will probably also have to pay the utilities for the space. It is a good idea to make sure your space has a separate meter for utilities. This will prevent you from paying for any utilities you did not use, which can be a common issue in divided rental spaces. Anytime you check out a potential rental space, ask the landlord how utilities are measured to be sure you have a separate meter. Another important factor when choosing a rental space is the availability of maintenance personnel. If you ever have an issue in your space, such as a plumbing leak or furnace problem, you want maintenance personnel to address the situation right away.
Access to Your Space
Another thing to take into consideration when choosing a rental space for your small business is access to the space. Because small business owners often work long hours, you will need around-the-clock access to your space. Be certain you will have this type of access before deciding on a space. You do not want to enter into a lease only to find out you will have restricted access.
Once you decide on a space for your small business, it is an extremely important to have an experienced real estate attorney review your lease. Because leases can contain lots of real estate lingo that the average small business owner may not understand, an attorney can help clarify all lease terms so you know exactly what you are getting yourself into.
These tips will help you find the rental space that best suits your business needs. Just remember to shop around and get all the details before signing and agreeing to anything.
Guest post from Bailey Harris. Bailey writes for HomeInsurance.org.
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College can be a life-changing experience for anyone. It can be a pathway to your dream career, a place to learn new and exciting things, or even just a place to meet new and different people from all over the world. Whatever college is for you, it will be an experience. Such experiences cost money however, and you may find yourself wondering how you will make ends meet to pay for tuition, as well as all your other expenses. What follows are some tips that might help you to find the money to pay for your college experience.
Get a Job
The sooner you can start to save up for college the better, so try to get a job as early as possible – even if it is just after school or on the weekends. Once you start to earn money, make sure that you put aside as much as possible each paycheck. The summer is also a valuable stretch of time that should not be wasted. You should be able to find a decent job with more hours if you are just looking for summer work. You will also want to look for possible jobs for while you are in college. Make sure you find a job that can work around your class schedule – on campus jobs are a good place to start looking.
Once you are making a steady paycheck, it will be tempting to spend it on fun things. It is more important however, that you put aside enough money for all of your necessary expenses before blowing it all at an amusement park. As well as your monthly expenses, you should allow for the unexpected by putting aside some money each paycheck. Anything left over can go towards your savings. Don’t forget to treat yourself every once in a while though!
Look into Financial Aid Options
As a last resort, there are a number of places to which you can turn in order to get the financial help that you need to complete your college education. Start looking into scholarships and government grants. It pays to be a good student, so study hard and you can put yourself into the right position for a good scholarship. Check out the different options that your university offers you as well, and see what kind of financial help there is for students that need it. Make sure that if you do apply for a student loan, that it is a good one with a low interest rate and salary-based payments.
There are so many options available to students that need help financially, that there should be nothing keeping you from having this experience. Be innovative and you can find a way to pay for the costs that you will face. Most of all, try not to worry too much, and enjoy your college years!
About the Author
Bankruptcy is a complicated situation for any individual to be in. It is almost always advisable to seek professional help or counsel from a bankruptcy attorney or someone who specializes in bankruptcy debt management.
In terms of one’s financial future, it is usually preferable to avoid filing bankruptcy if that is a feasible possibility. This means figuring out a way to handle your debt without having to liquidate your assets and sign over your financial independence to a bankruptcy trustee. There are services that can help you do this. Additionally, there is an abundance of free advice available to people that want to improve their financial status without hiring an attorney. Options include negotiating with creditors, restructuring your debt, consolidating your debt or, in some rare cases when no assets are present, doing nothing at all.
In general, though, choosing to manage your debt instead of filing for Chapter 7 or Chapter 13 bankruptcy likely means you must change the spending practices that got you into your financial mess in the first place. If a person with spending problems tries to overcome a massive debt by being more fiscally prudent, they may have a hard time making any real progress.
Here are some tips that one can follow for trying to manage their debt and avoid bankruptcy in the first place.
1. Be honest about your current budget and spending habits. Are there ways you could cut back on what you’re spending? Even small changes to your habits—like eating out less or using public transportation instead of a personal vehicle—can help you on the road to financial solvency.
2. Don’t avoid your creditors. Oftentimes, they are willing to work with you to create a feasible repayment plan. Remember, if you file for bankruptcy, it’s possible that the court will cancel your debt, leaving the creditor with none of the amount owed to them. Simply ignoring the problem will not make it go away. Facing it head on through negotiations is a more productive approach.
3. Face your biggest debts first. It may be tempting to pay off the smaller, more manageable sums first, but avoiding large debts—especially ones with high interest rates—will only get you into further financial trouble, harming your credit rating even more.
Ultimately, facing your debt is about taking responsibility for past financial mismanagement and setting a new course for the future. Getting professional help is a good move, but it’s mainly up to you.
Finance happens to be one of John's favorite things to write about. If you'd like to find out more about Bankruptcy attorney, please visit http://www.maceybankruptcylaw.com/
Taking a gap year is an enormous but extremely rewarding decision. Rather than subject yourself to the languorous cage of a cramped office or dusty lecture hall, you can educate yourself through experience by travelling across the world. However, even the most intrepid of travellers needs to pay attention to how much they can spend, something which is doubly important given the state of your finances.
Here is some advice on how you can have the adventure of a lifetime without spending your life savings:
Your budget should be decided even before your destination. After all, your destination will be largely influenced by how much you can and are willing to spend. Factor in not only how much you have saved, but how much you can realistically earn through teaching English or taking advantage of a working holiday programme. Even after you have calculated your expenses, you may want to add an additional few thousand pounds to the total just in case of an emergency.
The term gap year is a bit of a misnomer as you will likely not spend the entire year on holiday. Most travellers choose to work for the first six months of their stay and use the remainder of the time to travel and see the various landmarks around the country. Others will secure a part-time job in order to fund their more lavish weekends. Regardless, make sure that obtaining work is a feasible option before you arrive. Your initial budget should take into the account the lack of income, as you may not see a paycheck until a month after your arrival.
Some people like to be more capricious, going wherever the wind takes them. For these types, it's easy not to overspend, as they will likely go only as far as the money in their pocket allows. For others who like to meticulously plan their trips, it might be wise to make a list of all the places you aim to visit. From there, categorise them by priority and location. You can minimise the length and cost of your travel by grouping together multiple sites.
Part of the cost of living can be defrayed by joining one of the many volunteer projects online, or joining a TEFL course abroad. These programmes typically will set you up with a host family that will provide shelter and possibly meals. In exchange, you can take courses or assist in projects that will look outstanding on a future CV, provided the work you do is constructive.
The same is true for both consumer products and travel, buying in bulk can offer better savings. Visit sites designed to assist those planning a gap year and enquire about negotiating an airline discount on an around-the-world trip.
Travelling on a budget isn't just about avoiding the small purchases, but preventing the big ones. Having proper travel insurance and medical care is vital when travelling overseas. The cost may seem an unnecessary expense at the time, but paying a nominal fee is a small price compared to the overwhelming costs of healthcare. It will also give you the peace of mind to enjoy life to the fullest, as opposed to being too frightened to engage in any sort of risky activity until you return home.
Jake Smiths is a writer for www.creditreport.org.uk and covers a wide range of personal finance topics.
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Being a college student is practically synonymous with being on a strict budget. With huge commitments to your studies and little time to work, it's easy to graduate with tens of thousands of dollars in debt that can take decades to repay. However, there are many different strategies students can employ to reduce their overall debt load. Using payday loans through Cash USA, being mindful of credit card traps, using student loans wisely, and taking on work will all assist you in graduating with a reasonable amount of debt.
Taking on Work
While finding a traditional job that will work around your course load can be difficult, there are a wide variety of ways to bring in some cash without flipping burgers or waiting tables when you should be studying. Freelance writing, tutoring, and babysitting can all offer flexible hours and workloads that you will find easier to fit into your schedule than a traditional job. Signing up for a work study program can also help you earn money. By doing so, you will have to rely less on loans during your college years. This approach can save you thousands of dollars in interest over the repayment period of the loans, so it is critical that you find a way to bring in an income. Be creative! Don't be afraid to offer your services on the campus jobs board or to use online advertisements to reach potential customers.
This guest post comes from CashUSA.org. Cash USA help consumers get the best payday loans online.
Financially speaking, do you know of anyone who isn't struggling right now? Or maybe they're holding their heads above water but it's because they've made drastic changes to their lives like downsizing from a house to an apartment, paring down to sharing one car, and on. And sadly, it sometimes seems like it's the little guys, you and me, who get hit the hardest. Maybe it's just because we're all stretched so thin that one small setback just knocks the whole house of cards down. Think about it, have you ever seen yourself finally in a decent situation, with bills covered and then a little extra cash in your pocket but then your car breaks down or your pet gets sick? Then you're right back to square one.
But no matter how bad things get there is business to take care of, and it doesn't pay to turn a blind eye to the following financial situations....
When you get behind on your bills the late fees and interest charges begin to swallow you into a deep dark hole. Sometimes you simply don't have the money to cover it but other times it's more of a matter of simplifying your life, tightening the belt and getting rid of unneeded expenditures. If you've done all that and find you still can't make it try speaking with your lending establishments directly because maybe they'll give you a break for a while as you get back on your feet. Also, even if you can't pay the entire monthly payment due, some companies will be happy to get whatever you've got so again, try to work out a deal.
It's a fact of life that Uncle Sam wants to get paid. Sticking your head in the sand and avoiding filing your income taxes can eventually result in one very big mess. Plus, you never know – you may find that the government actually owes you. If, when you file, you do in fact owe money and simply don't have the funds don't skip out on it. Contact the IRS and see if you can work something out to make payments.
Establishments offering “quick cash” opportunities are particularly busy during lean times, and many tend to prey on those struggling the hardest. Be very careful when thinking about selling things you love, or getting advances on your paycheck – these are not long-term solutions and the often exorbitant fees make them a less than sensible use of your limited funds.
Whenever possible, fight your way out of the lean times by being proactive. If that means cutting living expenses however you can and/or getting an extra job do what you can to keep making strides to get back on track. Try not to make your situation worse by curling up and trying to forget the world, it won't help you in the long run at all.
Written by Erin Nolan. Ready to speak out about paycheck loans? Look here: www.doomsdayloans.co.uk
I'm Louida from Atlanta, Georgia and I'm a mother of two daughters, blogger, and full time working mom at a Business Consulting Firm.
I love helping others learn how to start working from home on the internet free to supplement their current income.
I also blog at Productreviewmom.com
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