Category: Holiday

Consolidate Maxed Out Credit Cards Using Your Home – Post-Holiday Spending Tips

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During the holiday season many families will turn to credit cards to finance Christmas expenses. This makes it less stressful to make ends meet, especially during the holidays. Sometimes we don’t even realize how much damage is done until the credit card bills start to arrive in January.

Credit cards are very convenient but have their pitfalls. Credit cards bear very high interest rates, often more than 20% interest and in the case of department store cards up to 30%. Interest is calculated monthly so if you get caught up in a pattern of only making minimum monthly payments, they can take years to pay off. Credit cards that have balances more than 75% of their limits will damage your credit rating/credit score.

The last thing you want to do is go into the next holiday season with credit cards that have balances from the spending you did the past holiday season. The best thing to do if you have accumulated balances on credit cards from holiday spending is to consolidate maxed out credit cards using your home.

There are many reasons why it is a great idea to consolidate maxed out credit cards using your home. Here are just a few:

1.Using your home to consolidate maxed out credit cards will enable you to start the New Year on a fresh foot and with a single monthly payment.

2.Using your home to consolidate maxed out credit cards will increase cash flow because a home equity loan or line of credit will bear a much lesser payment than what you are paying to your credit cards on a monthly basis.

3.Using your home to consolidate maxed out credit cards will reduce the overall interest that you are paying to loans and credit cards. Home equity loan and home equity line of credit interest rates are much less than what you are paying to your individual credit cards.

4.Using your home to consolidate debt will improve your credit because all of your credit card balances will be reduced to zero and the less debt reporting to your credit report, the higher your credit score will be. Also, as we mentioned when credit card balances exceed 75% of your limits, it reduces your credit score and will trigger a message to appear on your credit report that indicates that your credit card balances are too high in proportion to your credit limits.

It is important that if you consolidate your maxed out credit cards using your home equity that you don’t continue to use your credit cards. Put them away and only use a single card and make sure to use the card in denominations that you can afford to pay off in full each month. This will ensure that you don’t find yourself in the future with a new payment on a consolidation loan and paying credit card balances.

Start your New Year off with your finances in order and without the stress of having to pay a windfall of credit bills.

Reasons to book your holiday accommodation through an auction

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Find out how bidding on a holiday rental could be the right decision for you.

It’s always exciting to win something, so imagine the feeling of winning the perfect holiday accommodation in an auction.

Holiday rentals are strongly becoming the accommodation of choice. With extra space to relax and unwind in comparison with hotels, the price per square foot can calculate up to four times less expensive in some European destinations.

In the current climate, many holiday makers look for ways to make their budget go further. Here are 5 reasons why you should consider booking your holiday accommodation through an auction.

First, Its fun
There is fun to be had in participating in an auction. The thrill of getting the winning bid can only be overshadowed by obtaining your dream holiday rental.

Great Deals
By bidding in the auction for your holiday rental you can receive savings and special offers that are not normally found through more standard holiday rental portals

Take a break, last minute
If you are looking for a last minute escape, holiday rental auctions are a good place to start, as last minute availability is often listed. Searching by date and duration saves you the time of going through pages and pages of rentals that are not available.

Keep your options open.
Have more than one favorite? Bidding in auction for a holiday rental means you can participate in more than one auction at a time. Simply stop your bids in others when you’re sure to win one.

Variety of lengths
Many standard holiday rentals can be fixed for the duration of 7 nights, with a fixed change over day. Holiday rental auctions have a variety of durations and arrival days. Auctions help you find the rental that fits the free time you have to take a vacation. In the search for a short break with a difference, a holiday rentals auction could offer an ideal solution for a stay of 2 nights or 3.

Book Your Ski Holiday in France Enjoy the French Alps

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Ski in Chamonix, Meribel, Tignes, La Plagne, Courchevel and more

When it comes to skiing, France is one of Europe’s top destinations. It is on the French-Italian border that the Alps, Europe’s greatest mountain range, reach their peak, in the eternal snows of Mont Blanc, at Chamonix. The French Alps offer the broadest range of skiing opportunities anywhere in Europe.

Why are Ski Holidays in France so Popular?

They offer an unbeaten combination of:
A vast choice of ski slopes and ski lifts
Snow quality and depth
A well established sports tourism industry
Over 400 fully equipped mountain resorts
The worlds biggest lift-linked ski areas
The potential for off-trail skiing on virgin snow
A choice of snow-boarding, ice skating and so many other winter sports

No wonder the French Alps are in many respects the worlds leading ski destination! Plan your ski holiday in France now. Compare holiday rental accomodation, prices and book online for booking your Alpine ski holidays.

Ski in the Alps with All the Comforts of Home

It is the French Alps that offer the broadest range of resorts, where the snow conditions are most reliable:

Les Portes du Soleil, (Avoriaz – Morzine) the northernmost area has a dozen resorts, including Avoriaz, the capital of snowboarding; and Morzine, a long-established resort, at an altitude of 1000m, with plenty of facilities for beginners.
Chamonix, in the Savoy Alps, lying at the foot of Mont Blanc, was the original French skiing resort, and for many years has been very popular with skiers from all over Europe. The area around Chamonix and Megve offers the fifth largest skiing area in France.
Les Arcs / La Plagne in the Haute Savoie offer plenty of high mountain skiing, so can usually guarantee good snow.
Tignes / Val d’Isre is a high mountain area, with some 300 km of pistes, many of them over 2,500 metres altitude.
The area of Les Trois Valles (Les 3 Valles), including the resorts of Courchevel, Val Thorens and Les Menuires, is the world’s largest ski area accessible with a single pass.
One of the largest resorts in the Alps, l’Alpe d’Huez offers a wide range of facilities, including plenty of slopes for beginners, and also opportunities for off-piste sking.
With 120 km of pistes, the southern Alpine resort of Isola 2000 is one of the sunniest ski resorts in France, one of the coldest, and also one of those that gets most snow.
There are plenty of other areas in the French Alps, but mostly smaller and for this reason often calmer, sometimes cheaper, and more family-oriented.

Online holiday planning sites can help you find catered chalets and holiday home rentals in favourite destinations such as Meribel, Morzine, Courchevel, Chamonix and Megeve, and in most other leading French resorts too. These can be budget options or fully kitted rental holiday homes with all the amenities and comforts of home like Internet, fireplace, sauna, washing machine and dishwasher.

Your ski holiday in France can be truly memorable and comfortable in every way. Search, compare and book online from a huge selection of Alpine chalets and holiday homes in nearly all the ski destinations in the Alps

Tips for Surviving Holiday Eating Without Guilt and Weight Gain

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Yes its almost time to start thinking about the holidays again: shopping for gifts, planning celebrations, and eating food! Once Thanksgiving arrives, the holiday season can seem like a non-stop eating contest straight through the end of the year! That can mean 5-6 weeks with lots of extra food!

The holiday season should be a time of celebration with friends and family, but it doesnt have to mean that healthy, mindful eating has to go by the wayside. A few changes in the way you think about food at special events can keep you on track during this busy and stressful time of year.

* Lots of goodies and snacks can make their way into your place of work in the days or weeks leading up to the actual holidays. Make it a point to eat 6-7 servings of fruit and vegetables every work day. Fill up on these lower calorie foods each day, and you will find yourself eating less of the calorie-laden foods that seem to be everywhere!

* Dont go to an event hungry! When you are hungry, its difficult to resist tempting high calorie foods, and you may end up over-eating. Try having a small meal or snack before you go. This can be especially helpful when there are lots of appetizers before a meal. If you are not hungry, you can resist a lot of the extra calories that come from appetizers.

* If you are at a buffet, look for a few lower calorie foods (like vegetables) that can fill up part your plate. Stick with one plate of food and avoid multiple trips to the buffet line. Remember, just because its there doesnt mean you have to try it all!

* Give yourself permission to have that special dessert, but stick to just one. When theres a table full of desserts at a celebration, do you really need to sample them all? Pick the one you would enjoy the most and have it! You will feel just as satisfied if you savor the dessert you want, instead of trying everything.

* Dont forget about the “liquid calories” found in wine, mixed drinks and eggnog. These can really add up fast. Once youve had a drink or two, try switching over to club soda with a twist of lemon or lime.

* Dont abandon your exercise plan during the holiday season. Taking 4-6 weeks off from your usual exercise routine makes it difficult to get started again after New Years day. If you dont exercise at all, now is a good time to start. Starting a physical activity does not require elaborate equipment or a huge investment of your time. If you are really busy, you could start simply by walking for 15 minutes a day. If 15 minutes is all you can manage during the holiday season, thats OK!

Make your holidays more about enjoying time with friends and family. With a little preparation, you can face the holiday food frenzy head-on and have no regrets about what you eat. That could mean no guilt and no resolutions needed on New Years Day!

2011, Gretchen Scalpi, RD, CDE. Publication rights granted to all venues so long as article and by-line are reprinted intact and all links are made live.

How to Choose the Perfect Family Holiday Accommodation

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Once you have decided where you would like to go on your family holiday, you will need to think about where you will stay. There are several factors which will influence this decision:

Taking the car?

If you are hiring a car, or taking your own vehicle then you might want to search for accommodation in a central location between the various attractions in the area which you would like to explore. This would ensure that these destinations are all within a sensible distance, and youll avoid any excessively long car trips!

Going green

Relying on local public transport? Look for accommodation near a train station or bus stop, and check out how regular the links are. If relying on public transport in rural locations you may want to plan your excursions in advance.

Raring to relax?

If you are planning to stay on-site for the duration of your stay, then you might want to look for a site which offers its own forms of entertainment especially if you have children who easily get bored. Some holiday parks even offer kids clubs, meaning you could get some quality time to yourself while they are busy making new friends.

The options

There are several options for your family holiday each with their own pros and cons. Here is our comprehensive summary below:

Holiday Park:

Holiday parks often offer a range of self-catering caravans or apartments, and sometimes offer a full or half board option. These can be good if you want to spend all or part of your time on-site, as there will usually be organised activities for the children, as well as quizzes, keep fit and cabaret for the adults.

Pros:
Full / Half board means you dont have to worry about cooking.
Self-catering gives you flexibility to eat what and when you choose.
Kids activities to keep them entertained.
Evening entertainment.

Cons:
More expensive than some other accommodation (without entertainment).
Kids activities could encourage them to stay on site, where you might want to go on day trips.
On-site food and drinks will usually be more expensive than the local town.
Full/Half board can be restrictive in terms of planning day trips away.

Bed and Breakfast / Hotel

Having a family room or suite in a hotel can be an option if you plan on taking lots of day trips, and can make sure that you get up and out.

Pros:
Having to leave the room at a certain time will make sure you get on with your plans for your holiday.
Many rooms will come with TVs providing some entertainment should the weather be disappointing.

Cons:
Family rooms may be expensive, and hotels will be more expensive than most other types of accommodation.
You may have to be out of the room at certain times, not allowing you to spontaneously do as you please.
Hotels and Bed and Breakfasts are not the most child-friendly places (usually).
You will have to pay for all meals either eating out or at the hotel / B&B.

Self-Catering apartment or cottage

Self catering allows you the freedom to come and go as you please, giving you a good base to explore from.

Pros:
Flexibility to do as you please.
Flexibility to eat what and when you like.
A larger space, so if you want to spend a day in the children would have room to play.
A cheaper alternative to inclusive holidays.
Somewhere to go if it rains.

Cons:
You will have to cook.

Camping

A cheap and cheerful camping holiday used to the quintessential British holiday.

Pros:
Cheap.
You can teach your children the basics of camping.

Cons:
Can be uncomfortable if it rains.
Not suitable for very young children.
Will have to cook without mod-cons.
Only really suitable for the summer months.