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October 2019

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How to Manage Your Finances When You’re Away from Home

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Millennials in today’s workforce are demanding both time and financial freedom to quite literally do what they want. Many of them – digital entrepreneurs, writers, designers, bloggers, teachers – choose a lifestyle akin to that of a digital nomad, preferringto work remotely, with the freedom to pursue a line of work without being bound to a desk. The convenience of being able to earn money online and having the earnings transferred electronically to an online personal banking account means that one could be in any part of the world. The trick is to generate a smart and passive income, choose a saving account wisely and exercise financial discipline to make your money work for you and support your lifestyle.

When you’re traveling extensively, opening an online saving account is important. Apart from this, there are some other financial considerations to make. Here’s how to manage your finances when you are away from home. 

Tips on Managing Your Finances While on the Go

Cover Your Expenses

Your income will most certainly fluctuate if you’re an entrepreneur or are offering freelance services. However, your expenses are likely to remain fixed each month -travel, housing and food costs, and any other expenses you need to work, such as internet access or a mobile phone with a data plan. Tracking your expenses and being discipled about sticking to a budget are of utmost importance. Carrying any additional debt, such as student loans or mortgages, should either be avoided or taken after careful planning of their repayment schedules.Select a personal banking option that allows you to access your loan account online.

Set Aside Funds

Saving should also be a priority in your budget. Choose a bank that offers a good saving account interest rate. Also, set some money aside into an emergency fund, as this can help cover any untoward medical expenses that you could incur while traveling. Getting a travel insurance policy for the entire duration of your trip and one that covers emergencies such as loss of passport, illness and accidentsin the country you are traveling to can be a lifesaver.

Contribute to Your Future

One of the disadvantages of being an independent contractor or business owner is the lack of an employer’s contribution, so you’ll need to save enough for your retirement.Saving regularly each month by automating contributions from a savingaccount into a fixed deposit is one of the easiest ways to build your retirement corpus. Revisiting your investment picks at least once a year can help ensure that they still conform to your financial objectives and risk appetite.

Choose Your Bank 

If you plan on traveling frequently, you will need to have access to your funds online to cover for any payments you need to make back home. So, choose a bank that allows opening and managing of a saving account online and provides services tailored to the digital lifestyle.

The life of a digital nomad can certainly be exciting, but it can also be unpredictable. Make sure you plan, make prudent financial decisions and are disciplined about saving and spending to be successful at leading a worry-free and liberating life.

 

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In featured

What Impact Will The New Travel Regulation By The European Union Will Have On Visitors Entering Europe?

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The continent of Europe is going to introduce a new travel regime in the world very soon. This new travel regulation will be applied to the non-European travelers who belong to the countries that are allowed to stay in the continent of Europe without having to acquire their visas. Other than the European Nations, these 62 countries do not need to acquire their visa in order to enter the continent of Europe. But this is soon going to change as the European Union has introduced an all-new travel regime called ETIAS.

ETIAS is the European Travel Information and Authorization System, it is the new visa waiver system for the people who didn’t have to go through any visa formalities to enter Europe. Countries like Australia, Canada, New Zealand, and the United States of America. Travelers from these countries are abiding of all visa formalities and they are allowed to visit any of the total numbers of 44 European Countries without their visa.

The concept is introduced in order to protect the boundaries of the European nations. The concept of ETIAS will also help the European Union in dealing with immigration issues. Also, it will be more convenient for travelers who are visiting nations. The continent of Europe also consist of 26 Schengen Area border countries.

The 26 countries falling under the Schengen Border Area are namely, Spain, Denmark, Italy, Sweden, Germany, Hungary, Iceland, Finland, Austria, Belgium, Czech Republic, Estonia, France, Greece, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Sweden, and Switzerland.

Travelers in the world who needed a visa to visit any of the European Nations will not be affected by this new travel regulations. They will continue needing their visas in order to travel to the European Nations.

In order to apply for ETIAS, ensure that you have a valid passport. The procedure for applying for this new visa waiver system is simple and not as complicated as applying for a passport but it will require you to have a passport. All you have to do is fill out an online application form available on the official website.

The form will ask you to give your basic details so that you can move forward in the process. These basic details include your name, last name, place of birth, nationality, gender, age, etc.

One more thing to add is that this European Travel Information and Authorization System is only valid if you are visiting any of these European nations that fall under the Schengen Border for any of four major purposes, that includes travel, transit, medical or business. But you are not allowed to visit these countries for education or employment purposes.

ETIAS 90-day limit policy will let you stay for a period of three months in the European Nations without having to acquire your visa. The validity of ETIAS will be three years, however, it will be invalid in case your passport expires.

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In Health

Know Four Ways to Nourish Your Body from Within

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There’s nowhere to hide your bad skin. You can get away with makeup most days, and you always look good in photos because you’ve mastered the art of contouring and concealing, but when you’re home with your loved one or you have no time to get dolled up, that’s when everyone can see your flaws.

While it’s true that everyone has flaws, wouldn’t it be nice if you could have nourished and healthy glowing skin even without makeup? That can happen if you follow these tips:

Get Enough Sleep

Sleep is the most important part of your skincare routine, especially if you want to avoid getting dark circles under your eyes. This part of the face has a very thin layer of skin, which makes it easy to see when you’re not well-rested. Of course, an effective eye cream you sneak into your cart when you’re face mask online shopping can help too, but to have healthy looking skin even when you’re barefaced, sleep is still essential. A good night’s rest can leave you with skin looking rosy and supple, while lack of sleep can lead to skin that visibly looks older. Take your pick.

Hydrate

Nothing says unhealthy skin more than dry, uneven skintone. You can cover it up with a hydrating moisturizer, but then when you exfoliate at the end of the day, you’re worsening the problem. Hydration is a key step in skincare and it should not be skipped, especially if you’re stripping your face of its natural oils by using harsh soaps. Care for your skin better by using gentler products, and add a toner and moisturizer to your skincare routine without fail. Drinking water is also a cheap and effective way to hydrate, so always get your 8 glasses a day.

Eat Fruits and Vegetables

Fruits provide you with a lot of water, in case you don’t want your source of hydration to be plain tap. On top of water, however, they are also loaded with antioxidants and nutrients that help your skin cells regenerate. A plant-based diet has several benefits; one of them is more youthful skin and healthier hair and nails. Now, who wouldn’t want that?

Think Happy Thoughts

You don’t need a magic product to keep your skin looking its best. The truth is some of the best ways to keep a healthy skin are free and require little effort. Case in point: positive thinking. Your overall demeanor can change depending on your expression, and this involves your skin too. When you’re having a bad day and scowling, your skin will certainly not look healthy just because everything else about you look negative. On the other hand, if you think happy thoughts, there is a natural glow on your skin and a healthy blush on your cheeks. Yes, you don’t need makeup at all!

The healthiest ways to improve your skin don’t require expensive products. What you need is to be mindful of your body’s needs and think about positive ways to improve your self inside out.

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