Category: BCV Blog

Do-It-Yourself Halloween Costume Ideas

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Halloween is a fun time of year for you and your family. Store-bought costumes can set you back on your budget, especially if you have a large family. Why not make do it yourself Halloween costumes? All it takes is a little creativity and a glue gun. You would be surprised at how much fun it is to make a do-it-yourself Halloween costume. Get the whole family involved for some great quality time together. We have pulled together some of our favourites.

Stickman costume

This do-it-yourself stickman is super easy and creative. First, find a matching sweatsuit. We prefer white or grey. It’s easiest to assemble this with a partner while you are actually wearing the sweatsuit. Take the black electrical tape and put a line down the torso. With the same tape, make arms that go down your actual arms. Lastly, use the tape to make stick legs that run down the length of your actual legs. The finishing touch is the smiley face mask. You can use either a white paper plate or cut a circle large enough to cover your face from white poster board. Cut holes for the eyes and a smile for the mouth. Use a sharpie to make a circle inside the mask to match the lines of your limbs on your sweatsuit. Attaching the mask to your face is easy. Cut two holes for your eyes and use a fine piece of elastic to attach around your head.

Crazy cat lady costume

Another great do it yourself costume for any age is a crazy cat lady. Start your costume by purchasing some plush cats and a bathrobe at a thrift store. Use your glue gun to attach the cats all over your robe. If you plan on reusing the robe, you can also attach the cats with safety pins. Keep one or two cats out so you can hold them. Next, you want to tease your hair making it look messy and unkempt. The final step is to take a few mixed matched curlers and pin them haphazardly in your hair. A great choice for shoes would be slippers or house shoes.

Bank robber costume

Some of the best do-it-yourself costumes come from items you already have. A bank robber is a creative and easy costume for Halloween. Most likely, you will have most of the clothing items already. You will need a black hat, black pants, black shoes, black gloves and a black and white striped shirt. You will need to purchase a black mask that covers your eyes. You can get this inexpensively from a dollar store. The thing that pulls the whole costume together is the money bag. Get 2 paper bags with handles from your local grocery store. Use a black sharpie to draw big dollar signs on the outsides of the bags and carry one in each hand.

“Covered in bugs” costume

The easier and creepiest do it yourself costume is to be covered in bugs. Our favourite is plastic cockroaches, but you can also use ants, spiders or flies. All you need to attach these to your arms, legs and face is eyelash glue. This is easy to wipe off with soap and water. Be sure to use enough that the bugs stay put for the whole evening.

Back to School

Back To School Shopping Tips

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Back to school shopping can be a stressful and expensive event in your household. The average American family averages $600 a year on back to school supplies. Year after year this can add up to thousands of dollars. We have some tips and tricks to make your back to school shopping cost effective and more productive every year.

Leftover Supplies

Before you even think about searching for new supplies, you need to go through your children’s old supplies to see if anything is usable for the next school year. Be sure to save any unused loose leaf paper, pens, pencils, calculators or notepads. This can save a ton of money on back to school supplies. Cross these items off of your back to school list before you shop online or head to the mall.

Go Alone

It’s hard to stick to your budget when you kids are with you wanting higher priced supplies. Extras like decorated pencil cases or scented pens are impulse buys. A solitary parent is much better to stick to a specific budget during back to school shopping. Instead of splurging, instead, buy supplies to help your children personalize their items. Permanent markers are cheap and can decorate anything.

Start Early

Back to School sales promotions are a great time to get some extra incentives.The earlier that you start looking for these deals during summer, the earlier that you can start planning where to get all of your supplies. Buying in bulk when things are on sale is the best idea. Items such as glue sticks, notebook paper, and pencils are going to be needed the entire school year. Buy and store extra when you get the biggest savings on them. Watch for free shipping deals and order everything online to also save time and gas money.

Coupons

Coupons and coupon codes can save you a bundle on back to school shopping. Look through local papers for coupons for your children’s favorite stores. You can often double up your savings by waiting for a free shipping weekend and also using a coupon code to get the maximum savings. Don’t be afraid to bring competitor coupons and ask for the same discount at a different store. Many businesses honor competitor pricing.

Second Hand

Not everything has to be purchased new at a retail store. Many second-hand children’s stores sell almost new clothing. This is great for your younger children that aren’t as worried about the latest styles and brands. Also, you can find name brand backpacks at a huge discount. JanSport, LL Bean, and North Face are all high-end book bags that kids often tired of. You can help teach your children about budgeting by taking them to the thrift store and giving them a budget to pick their clothes with. They not only get to pick out the clothes they love, but you are teaching them a math lesson when they add up the prices. Neighborhood garage sales are another great way to knock some back to school items off of your list.

Adult Vacation

Orlando Vacation Day Trip Ideas | Adult Vacation

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Orlando offers some amazing ideas for an adult vacation. Often overlooked spots are perfect for an anniversary or a special event. Without kids in tow, enjoy some of the sites on your adult vacation.

Winter Park

Winter Park is a great place to start your adult vacation. It is full of high end shopping, farmer’s markets and gourmet dining. On Saturdays, the farmer’s market is held in the restored train depot. Pick up some fresh fruit and vegetables at a great price. Stop for lunch at some of the amazing restaurants, there are so many to choose from. Its also full of trendy boutiques, so take some time to shop for the latest styles.

Four Seasons Pool

No adult vacation is complete without some pool time. The Four Seasons in Orlando is the only pool of its kind in the area. Its only available to 21 and over guests. It’s 92 foot infinity pool and jacuzzi are completely relaxing. There is even poolside service that includes healthy snacks.

Dr. Phillips Center

The amazing Dr. Phillips Center for the Performing Arts has a wide range of shows for your adult vacation. There are multiple theaters that house different types of concerts and shows. Catch a ballet or enjoy a rock concert all at the same venue.

Spa at the Grand Floridian

Stop at the Grand Floridian for a well deserved spa day. The Victorian era building is a great backdrop for a manicure and pedicure. Don’t miss the Signature Age Defying Lavender facial. Its not only relaxing, but will also take years off of your skin.

Golf

Orlando is actually home to the Golf Channel. With more than 170 golf courses, enjoy your adult vacation by teeing off! You can spend half a day or multiple days on the extensive greens. Be sure to visit the Bay Hill Club, Waldorf Astoria Club and Grand Cypress Resort.

Kayaking

The Everglades are a beautiful spot to go on a kayak eco-tour. Shingle Creek offers two-hour guided tours through the cypress-lined waters. You can spot alligators and exotic birds while getting a great workout.

NBA Basketball

For those sports enthusiasts, the Orlando Magic has a seat for you at the 20,000 seat Amway Center. Cheer your local team, who have been in Orlando for over 25 years. You may even spot a celebrity at a game.

Harry P. Leu Gardens

Because this isn’t a huge tourist attraction, its the perfect place to enjoy Florida’s beautiful botanical gardens. Its more than 50 acres and houses more than 1,000 rose bushes. Be sure to also visit the butterfly garden and citrus grove before the day is over.

Orlando Brewing Company

With more than 20 different types of ales, lagers and seasonal microbrews on tap, there are tons of beers to try. All of the beers are USDA-certified organic. They offer free brewery tours Monday to Saturday and live music on Friday and Saturday nights.

Tiffany Glass

Surprisingly, the largest collection of Tiffany glass is located in Orlando. At the Charles Hosmer Morse Museum of American Art, you can this legendary collection of lamps, art glass and more. Don’t miss the $5 million dollar Tiffany wing.

Children's games

4 Great Summer Children’s Games

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Summer is a great time to spend time with your kids. It’s also a great time to organize some do it yourself children’s games. Amusements parks and pool fees can be expensive for a family. We have some great free children’s games that the whole family can enjoy!

Nature Scavenger Hunt

Nothing screams summer more than a scavenger hunt. This children’s game is completely free and very easy to organize. Type up a list on your computer with items that can be found in your backyard. Print a list for each child that is participating. Some examples are a smooth rock, a fuzzy leaf or a flower. Everyone gets the list at the same time and the first one to find all of the items gets a summer prize. Washable markers can be used for each participant to check off the items on the list. Prizes can be something you already have around your house such as a Popsicle or a water gun. The winner gets to hose down the other kids.

Water ballon target practice

This children’s game is not only easy, but all of the kids can also enjoy setting it up. Start by having the oldest child draw chalk circles in the driveway. They should be nestled inside each other like a target. Label the circles starting with 50 for the middle small one, to 5 in the largest ring. Next, have the kids take turns filling up water balloons with an outdoor hose. This can be one of the children’s games within itself! Once enough are filled, store them in an empty bucket for easy tossing. Also make a scoreboard in sidewalk chalk to keep score. Each kid gets a ballon and tries to hit the circles in the target. After 10 throws, the highest score wins. A great prize would be a free pass from weekly chores.

Water Cup Race

More than just a game, this activity could last a whole day. Cut pieces of yarn in equal lengths and duct tape each to opposite walls, maintaining a row with four feet in between each piece. Next, take a plastic cup and poke a hole in the bottom for this children’s game. Remove one end if the duct tape, string the cup through the yard and attach back to the wall. Every kid gets a water gun, which they can fill with the hose by themselves. Line everyone up and scream go. The kids will use the water guns to aim the guns on the inside of the cups and squirt to move the cup down the yard. The winner is the first one to get the cup all the way to the wall. This game is addicting and we can guarantee that there will be a lot of rematches.

Frozen T-Shirt Race

This is a classic on days when the temperature and humidity is really high. The night before, soak a bunch of large t-shirts in water and place them in plastic bags. Stick them all in the freezer, to freeze overnight. Give each participant a frozen t-shirt and have them race to see who can defrost and put the t-shirt on first. They can defrost it by any means, cooling themselves down in the process.

Father's Day Ideas

Father’s Day Ideas To Celebrate Dad

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Parents are the greatest gifts any child can have. Just as our childhood and life after that, the word ‘parents’ is also incomplete without a father. As we celebrate the love, care, and support of our mothers on the Mothers Day, the idea of Father’s Day was also to love, respect, and honor the ever present love, support, guidance, and teachings of our fathers in our lives. We can never return the kind of love and affection we receive from our parents, and it would be foolish to think that we can repay them in any way. However, we can dedicate one day to celebrate, honor, and acknowledge the love that we have received from our fathers and make them feel special and thank them for all that they have done for us. All Father’s Day ideas reverberate around the same emotion and try to express our feelings in different ways.

A short history on Father’s Day

The first Father’s Day ever was celebrated by a Babylonian boy named Elmusu who carved a Father’s Day message of clay card and wished father a long and healthy life. It is not known what happened to the father and the son after that, but ever since the Fathers all across the globe has been dedicated a special day.

Later, celebrating Father’s Day Ideas was put forth by a woman named Sonora Smart Dodd in Spokane, Washington. Sonora was brought up by her father after her mother’s death, and while listening to a sermon on Mother’s Day in 1909, she thought of dedicating a day to the father when children will have the opportunity to honor and pay respect to their fathers. Since the birthday of Sonora’s father was in June, she thought of celebrating the first Father’s Day on 19th June 1910.

Father’s Day Ideas

If you are confused about what would be one of the perfect Father’s Day Ideas for dad, you browse through the Internet. Several websites offer unique gift ideas to choose from. Some of the common and popular Fathers Day gift include leather wallets, key chains, flowers, personalized cuff links, silver plated pocket watch, drinking glass set, perfumes, accessory case, barbecue gift set, travel bag, keepsake boxes, personalized credit card cases, etc.

Showpieces, personalized photo frames, beer mugs, travel mugs, windproof lighters silver cigar case and cutter sets are also popular choices. To buy any of these gifts, you need to browse the Internet and look at the men’s gift categories. Each item is displayed with a description, image, and its price. It is advisable to browse through multiple websites and compare the prices before you buy any. Almost every website has a separate section dedicated to men’s gifts, which include fathers, brothers, friends, and husbands.

Along with these traditional gifts, you can plan some unique gifts for him. Try cooking a special dish which is your dad’s favorite or you can present a hand crafted gift. Preparing a family album with your dad’s favorite family photographs is a good idea. Also, you can write a special Father’s Day letter and give it to him along with the other gifts. You can make the family video or arrange for a family tour; you can make a collection of your dad’s favorite books, poems, songs or movies.

There are plenty of things which you can do to make you dad special. Be a little creative and combine the traditional gifts with a personal touch of uniqueness and originality!

Save Money

How To Save Money Eating Out By Using Food Coupons And Restaurant Coupons

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Use Restaurant Coupons

By figuring out how to save money dining out by using restaurant coupons and food coupons you can make it easier on your pocket and still enjoy the pleasure of eating out at your favorite Orlando restaurants. One way of finding restaurant coupons and food coupons is by cutting them out of newspaper ads as well as from advertising supplements and visiting coupons sites.

Even if you do manage to find restaurant and food coupons, you must still be prepared to come across different deals which will vary from one place to another. Most of us expect to get a ten percent discount from these coupons, but this is normally not enough to even pay for your drinks.

In any scenario coupons offer a dollar discount on a single entree or check, free dessert, and appetizer, purchase one and get one free entree and a free entree for children with a purchase of an adult. You can also get fifty percent off coupons and a free drink with purchase of an entree.

One other thing that you will need to find out when you try to understand more about how to save money dining out by using restaurant coupons and food coupons is that you must check the expiration dates of the coupons and make sure that the coupons are still valid for use. Also, most of these coupons can only be used after you have purchased alcoholic beverages.

Most ordinary people find that eating out in a fancy Orlando restaurant is prohibitively costly.

Save Money By Going At Lunchtime

The simplest trick is that when it comes to learning how to save money at expensive restaurants, you should plan to eat out at lunchtime instead of at night. This is because most if not all Orlando restaurants will be ready to offer meals at a lower price during the early part of the day. So, eating out before four in the evening will help you save the considerable amount of money on the cost of your dinner or lunch.

Ask Your Server About Specials & Freebies

Second, learning what it takes to save money at expensive Restaurants is simple because you only need to understand that by ordering the restaurant specials you can save a considerable amount of money. Most Orlando restaurants will have one or more special offers and freebies on their menu. All you are required to do is find these specials and order them. Chances are that you will enjoy a nice meal at a vastly reduced price.

You can also learn how to save money at expensive restaurants by searching for coupons which can be used at the best Orlando Dining Spots where you will get a nice discount as soon as you hand in your coupons.

Skip the Appetizers, Desserts & Alcoholic Drinks

Another way to cut costs of eating out at an expensive Orlando restaurant is by skipping appetizers and desserts as well as alcoholic drinks. This can help you save considerably on the cost of dining out.

Last but not least, always ask for a discount, even if it makes you uncomfortable to do so.

Mother's Day Gifts

5 Ideas for Unique Mother’s Day Gifts

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There is nothing more special in life than a mother’s love for her child. Special Mother’s Day Gifts are always a great way to show her how much you love her. You don’t have to spend an arm and a leg for a gift, your mom will love a Mother’s Day Gift that is as unique as she is.

Homemade Mother’s Day Gifts

There is nothing more special than receiving a homemade gift from your child. It takes much more thought than buying an item in the store. You don’t have to be super crafty or creative to pull this off. A side by side photo of you and your mom when you were a baby and one taken recently in an inexpensive frame would melt her heart. A box with little paper squares listing all of your favorite memories with her is another great idea. She can open then one at a time and read them at her pace. Does your mom have a special recipe the whole family talks about? Handwrite it onto fancy paper and frame it for her.

Technology Gifts

Every woman loves to hear the songs she grew up with. Make mom a playlist of all of her favorite songs from her childhood. A Keurig Single Serve coffee maker is another great idea. Its just for her use though, and get her a sample pack of tons of K-cup varieties to try. No Mother’s Day Gifts can beat a good cup of coffee.

Practical Gifts

Moms don’t have a ton of time, especially if they still have small children. Clean her house from top to bottom as a Mother’s Day Present. Does she have a favorite magazine she used to love and doesn’t seem to have time for? Get her a subscription and convince her to set 30 minutes aside to read it. How about matching all of the socks and getting rid of the ones that have went unmatched for months? Also throw in a complimentary lint cleaning of the dryer.

Thoughtful Gifts

Find out where your mom was born and get her some vintage map jewelry of the area. Also, a photo collage of some of her old childhood photos with her parents and siblings would be thoughtful and appreciated. Her hobbies and interests is what makes her unique, even if she doesn’t always have time for them. If your mom is a gardener, a new set of tools or a basic seed kit so she can make an indoor kitchen garden.

Sentimental Gifts

Anything from when you were born could be given to her as one of her Mother’s Day gifts to remind her how special your bond is. A family tree custom pillow cover is another gift that is not only pretty but has sentimental meaning also. A tablecloth with all of her children’s and grandchildren’s handprints and signatures is another gift she will cherish for years to come.

Disney Kingdom

Top Disney Kingdom Visitor Tips and Tricks

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For most children and family, a visit to Disney Kingdom is a dream come true. It has always been known as the most beautiful place on Earth. Take it from some Disney Kingdom insiders, with these tricks your experience will be so much more magical.

Money Saving Tips

Every mom loves to save money, especially when you are vacationing on a budget. There are some minor money saving tips that will make your Disney Kingdom trip less stressful. Bring your own poncho. It normally rains everyday in Florida, and ponchos in the park can be expensive. Buy your souvenirs ahead of time at Walmart or another retail store. You can even get Mickey ears! Before booking your trip, become a AAA member. AAA has discounts on rooms and tickets.

Time Saving Tips

If you have little ones that need a stroller, tie a bright scarf around the handle. You will easily be able to pick your stroller out from all the others parked in the Disney Kingdom. By getting to the theme parks 45 minutes before opening, you can beat all of the lines and get on your favorite rides without much of a wait. Also, instead of sitting for snacks, buy an ice cream and eat it while you and the youngsters are waiting on a ride. Before even entering the park, take a photo of the aisle you parked in to save you the headache of trying to find the car.

Planning Tips

Fast passes are key to enjoying your vacation! Always book all of them in the morning and you can get additional ones later in the day. Don’t forget to check out the Electric Light Parade. A great place to avoid crowds is from the shores of Fort Wilderness. Do not wear new shoes to Disney Kingdom, your feet will hate you for it. Be sure to bring a pair of broken in shoes. Also, stock up before the trip on bandages and aspirin in case you your children get any blisters. The more you plan in advance for Disney, the more your family will enjoy the trip. You can make reservations for character dining experiences 180 days in advance. You can also catch character meals at Disney Resorts rather than in the parks for a more intimate dining experience.

General Tips

The parks are always most crowded in the afternoons. It works out perfectly to take a break to get out of the Florida sun, plus give smaller children naps back at the hotel. Also make sure all children are wearing waterproof sunscreen and reapply frequently. There are hidden Mickey’s hidden all over the park. Make it a mission for your family to find as any as they can throughout their trip. The cast members at Disney are trained to answer any questions you may have. They will go out of their way to help you and to assist you in any and every way. Staying hydrated in the park is a must. For convenience instead of lugging around tons of bottles of water, you can ask for a glass of ice water anywhere in the park and it is provided completely free of charge. 

Easter Sunday

4 Fun Easter Sunday Activities For Kids

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Easter Sunday is one of the biggest days. It is a terrific day on your church calendar symbolized by the religious significance and family get-togethers. The traditions of the holiday are loved by children and adults as they commemorate the resurrection of our Savior. Kids love the Easter Bunny and the traditional Easter Egg Hunt, with the possibility of receiving cool prizes.

But with a long weekend and the kids out of school, you may need more activities to keep the little ones busy and entertained as they learn Easter’s true meaning. The following are 4 Fun Easter Sunday Activities For Kids to keep them happy this Easter Sunday.

1. Easter Sunday Piñata

You can find piñatas in any size, shape, or color combination. They are available for any occasion, and that includes Easter. Just fill the piñata with Easter candy, such as jelly beans, candy eggs, chocolate bunnies or whatever else you feel is appropriate for your kids. The key to an Easter piñata is how you set it up. It needs to be at a safe height to avoid the risk of injury from falling candy. Plush toys won’t hurt anyone if they fall from a piñata, but you don’t want to take any risks where children are concerned. Make sure to attach it carefully to something stable so that the piñata itself doesn’t crash down and hurt someone. If you play it safe, the Easter piñata should be lots of fun for everyone.

2. Family Art Show

Hosting an Easter art show can help families discover the reason they need to celebrate and work together. It encourages kids to get creative by drawing pictures, creating clay displays, taking photos, and also creating a picture depicting the death and resurrection of Jesus. After the kids have done their artwork, ensure they take them to church on Easter Sunday. Their artwork can be displayed and people invited can go through the display at the children’s ministry area and choose the best in the show.

3. Easter Dedication

Easter dedication is usually best for kids aged five years and under. You can achieve this by combining your Easter service with a child dedication. As Easter Sunday celebrates the death and resurrection of Jesus, Christ makes us new creations.

This service also helps parents to promise to make good decisions to their kids. Holding a brief ceremony will allow parents teach their kids how to grow loving Jesus.

4. Scrambled Egg Hunt

This is done by having two egg hunting areas, one without and the other with many eggs. Before starting your egg-hunting, you and your kids should gather somewhere and tell them about Jesus on the cross and how he died for our sins. You can finish the story later after you make them search for the eggs as this helps in making them discover something unexpectedly missing. Have time to discuss with them their feelings and their take on the death and resurrection of Jesus.

This four fun and easy Easter Sunday activities are sure to please the children in your household this Easter holiday. Hopefully, everyone will have fun making fond memories. Happy Easter!

Home Repair Tips

5 Simple Weekend Home Repair Tips

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There exist various home repairs that every homeowner can do over a weekend even without getting any assistance from a contractor. It is worth to note that these repairs that you do on your own are important is so many ways. The very idea of home repairs evokes images of demolition, chaos, cash advances and credit debt in the minds of many homeowners. For many individuals, it is simply not an option to live in a home that isn’t in good repair. These home repair tips enable you to get the job done right when doing your home repairs. The repairs that you do on your own are an excellent way to save money while building the home of your dreams. Below is a list of inexpensive five easy home repairs you can do in one weekend.

Deep clean

Often, all a home needs to shine is a thorough scrub. Cleaning walls, windows, floors, and cabinetry can spruce up the appearance of a home, make a well-worn house look new. Additionally, de-cluttering can have an enormous impact on a home’s appearance. Putting unused items into storage, getting rid of old knick-knacks, and limiting the number of items covering the wall and floor space can make a home look larger, cleaner, and newer. Best part: aside from a few products and a lot of elbow grease, cleaning is free.

Change the lighting

Lighting is such an important factor in a home’s appearance, as it sets the mood for the entire home. Liven up dark living spaces with a new floor or table lamps, remove dark curtains to let in natural light, and brighten and update kitchens with chandeliers or pendant lights. While not as cheap as cleaning, lighting is a relatively inexpensive fix that doesn’t require a handyman and has a dramatic impact on the look of a home.

Paint

Evidently, you can decide to do some painting as it is one of the simplest and affordable ways that can make your home to have a new look. For the cost of a couple of gallons of paint, some painters tape, and a bit of hard work, a home can be transformed. Some home repair tips are more important than others when it comes to painting your home. Be correctly advised before starting your painting job

Reupholster

By reupholstering worn furniture, homeowners can breathe new life into their home. Additionally, reupholstering one’s smaller furniture items, such as dinner chairs and ottomans, gives a homeowner the opportunity to have a little fun with patterns and colors without an expensive long term commitment. Upholstery fabric can be bought at local craft stores. Installation can range from very simple to difficult, depending on the size of the item, so be sure to research how to videos before jumping in.

Refinish

Refinishing one’s cabinets is one of the most significant ways to change one’s home on a dime. New cabinets are incredibly expensive. Refinishing makes the home’s kitchen new again. It will take some time and effort, so set aside a weekend for the project. The result will be worth it!

You don’t need a cash advance to update the look of your home; with these home repair tips, you can live in style and stay out of debt. By visiting a do it yourself website, you are advised on how to change the knobs, handles, and fixtures in a bathroom or kitchen give these spaces an instant face-lift. While faucet fixtures can get pricey, handles and knobs are not. Engage yourself in this repairs and at the end of it all, you will have your weekend well spent. You will also save money that you would have to given to the contractor.

Orlando tax refund

Five Smart Ways To Use Your Orlando Tax Refund

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Most people dread filing their tax returns, even if it means that they will be getting money back. The process of preparing your Orlando tax return taxes is enough to take the pleasure out of getting a refund. If you are expecting a refund this year, you should think about what you plan to do with that money that you are getting back. Some finance experts recommend that you adjust your withholding so that you get to keep more of your money up front, rather than lending it to the government all year. However, some people feel that planning for a refund is a foolproof savings plan for them. It forces them to set money aside and not touch it until the government returns it the following spring. Here are five smart ways to use your Orlando tax refund.

 

1. Pay Down Debt 

One smart way to use your Orlando tax return is to pay off credit card debt. The notoriously high-interest rates on credit cards can cost you a bundle every year. Even if your tax return isn’t enough to completely pay off your credit cards, you can use it to make a dent in your credit card debt. This will save you money every month and amount to significant savings in the long run. If you pay off just $1,000 in credit card debt with your tax refund, you’ll save hundreds of dollars in interest fees. Using your tax refund to pay off credit card debt will save you more money than any other option for using your tax refund.

 

 2. Fund Your Emergency Savings 

Another great way to use your Orlando tax refund is to set up an emergency savings account. When you have your credit card debt paid off, you can strengthen your financial position by building an emergency savings fund. Finance professionals recommend that you have at least three months’ salary in an emergency fund, although six months’ salary is even better. With a secure emergency savings fund, you can avoid financial pitfalls when the unexpected happens. If you lose your job or suffer some other crisis, you’ll have the funds on hand to deal with these problems. You won’t have to rely on credit cards, which will rack up finance charges, or borrow from a 401(k) and pay penalties.

 

 3. Save for Retirement 

If your credit cards are paid off, and you have a well-funded emergency savings fund, consider putting your tax refund into a retirement account. Even when you already have a 401(k), you can still invest in a Traditional IRA or a Roth IRA.

 

4. Invest in Real Estate 

You can take advantage of your Orlando tax refund by investing in real estate. If you currently own a home, you can make extra payments to pay off your mortgage early. First, make sure you won’t face prepayment penalties. If you don’t own a home yet, this is a good time to buy. Home prices are still low, interest rates are historically low, and you can get a loan that requires a down payment of only 3.5%.

 

5. Start a College Savings Fund 

Use your Orlando tax refund to begin saving for college. Even if your children are very young, it is never too early to set up a college savings plan. A Section 529 plan lets you prepay for college costs. A Coverdell Education Savings Account is a tax-deferred option for saving for college.

 

 

 

Spring savings: Top 5 things buy during spring

Spring savings: Top 5 things buy during spring

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For some people, their shopping is when they want or even need a particular item; while for a particular lot, there is a more strategic approach to it-they go for different items during special times of a year. If you are among the chosen few that fall into the latter category, it is almost certain that your purchase mood is slowly warming up to the fast-approaching spring season. To guide you through spring savings spell, herein is a list of some of the best items to spend your money on:

1. Warm Coats & Clothing

For outwardly apparent reasons, winter warm attire gets cheaper as you steer away from the winter season. If your patience can sustain your impulse to indulge into shopping until the latter stages of the season, time and amazing deal news concur that you can purchase numerous clothing bundles at unbelievable discounts.

2. Home Appliances-Gas Grills and Air Conditioners

For individuals residing in colder regions, the approach of this season presents quite a trying period. Fortunately, summer-centric items such as air conditioners and grills are considerable fairly priced because they are not necessarily on demand. If your resources allow you, this is a perfect time to do so.

3. Video Games

In reference to a number of statistics, video games hit record sales mostly during the holiday seasons mainly summer. However, with the gradual fading away of Christmas Eve and a fast approach to New Year and spring, the sales start to exhibit a consistent decline which in particular seems to hit its peak during the spring savings season.

4. Home purchases and services

The spring season is an ideal season to make purchases and have services for your house. For instance, if your furnace is slowly giving in to external conditions and deterioration of quality, spring is an ideal time to consult with HVAC installers and purchase the necessary tools and materials. You can purchase items such as air conditioners and pool maintenance equipment at very low prices.

5. Boats

Want to get out on the water this summer? Spring is the ideal time to buy a boat. First, the boat season is here which means that used boats are in the market at a considerably fair pricing. Everybody is looking forward to the newer models. Moreover, it is also off-season for numerous regions meaning not many boats are around the shores; and with a low boat demand at sea, the process are set to go considerably low.

In a nutshell: Shopping for items at a discounted price can be a great feeling. For most of us, we purchase items as they come out and strive to stay in line with the trend as it evolves. Nonetheless, if you are on the list of individuals that hold off to get items at discounted prices, this spring should be a memorable one with the above-mentioned items serving as a basic outline for the spring savings expedition that happens every spring season.

 

 

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