A Financial Education Event
 

New Year Savings Habits

You are what you think! That’s what positive thinking gurus tell us and I believe it to a certain extent. But thinking it without doing something about it isn’t going to help you develop better money habits. In this New Year, I’m challenging you to implement some really easy money savings habits. Let me know which of these that: 1) you already do and 2) you are going to start doing or 3) you ain’t ever gonna do, no way, no how!

PRICE MATCHING—ASK YOUR STORE

If you have a store that will match competitors’ ads, then this helps save time and money. Most Walmart stores offer this benefit to their consumers. This price-matching tip is also good outside of the grocery area because there are dozens of other stores that will honor competitors’ ads, including Best Buy, Office Depot, Staples, the military exchanges, and more. Since these policies vary from year to year (and even month to month), it’s important to inquire at the customer service desk before you try to use the price-matching benefit.

To implement this tip, just take in all the local sale ads and have the store match the sale price from the circulars, or pull them up on your phone. There may be some restrictions, so be sure you ask for the details at the customer service desk. For example, Walmart will not honor a “buy one/get one free,” nor will they honor “percentage off” sales. But they will substitute their brand for other store brands that are on sale and it may even end up being a better-quality deal!

 

SEARCH HIGH AND LOW FOR BARGAINS

In today’s grocery stores, many bargains are located on the top and bottom shelves. The expensive items are at eye level. To those in marketing, the reason is obvious—you’ll buy something that’s in front of your nose! Also, avoid the floral, deli, and bakery departments. They’re usually overpriced and can bust your budget.

 

USE A SHOPPING LIST—DON’T LEAVE HOME WITHOUT IT!

When shopping, you should never leave home without an organized list. It minimizes time spent in the store and helps you stay on target, thus avoiding impulse buying. It can also serve as a reminder of sale prices and coupons you may have. When I first started saving money with coupons and sales, there were only flyers and paper coupons. Flipp is an app that combines the best of old and new by providing a digital library of all the latest flyers and help you build a shopping list within the app. Just tap on a digitized coupon or product and the app will circle it and add it to your digital grocery list.

 

SAVE ON TRAVEL

My crafty little informant over at Hopper just gave me the 2018 Travel Cheat Sheet telling you when the best time to buy is for those 2018 trips. It gives fantastic insider tips, for example:

  • When to buy airfare for major US holidays
    • President’s Day: Book by Monday, January 29
    • Easter: Book by Sunday, February 18
    • Fourth of July: Book by Wednesday, June 13
  • Top 10 domestic and international destinations to watch in January for the best deals:
    • Los Angeles: Round-trip flight prices currently average $328, but are expected to drop 43% this month.
    • Las Vegas: Round-trip flight prices currently average $178, but are expected to drop 28% this month.
    • Cartagena, Colombia: Round-trip flight prices currently average $354, but are expected to drop 35% this month.
    • Lisbon, Portugal: Round-trip flight prices currently average $622, but are expectedto drop 32% this month.

If you’re wanting to read more about saving money on travel, check out Wanderlust For Less, an upbeat look at ways to save money on travel AND still pay the light bill.

COUPON APPS AND WEBSITES

My son, Jonathan, gave me his back-

 

to-school-for-the-spring-semester wish list. He had a gorgeous item that was a pair of shoes at the Bostonian website. The first thing I did was look up the online site in RetailMeNot. Instantly, I got a coupon for 25% off the exact shoes Jonathan wanted. That’s something that made both of us happy.

Coupon Sherpa and CouponMom are also user friendly apps to help you find great values at your local store. Download these apps and use them regularly to save 30 percent or more. Both use geographic location or zip codes to target deals at stores near you. You may also want to try the Redlaser app, it can be used to scan the bar code of a product and find out if the item is cheaper elsewhere.

Don’t forget to listen to my quirky, sometimes geeky co-host, Bethany Bayless and myself on our new podcast called The Money Millhouse. We’ve give lots of tips after drinking lots of coffee and have some of the best financial guests in America on our show! 

Remember to let you know what you are already doing, what you’re gonna do and what you ain’t gonna ever do to save money in 2018!

Saving Every Day, the Kay Way

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This week, I got a phone call from Jonathan, my fighter pilot son, sharing his latest bargain. He may have gotten his flying abilities from the World’s Greatest Fighter pilot, but he learned how to save from another family member, who will remain nameless. He talked about how he scored a new bedding set at Bed, Bath and Beyond by layering the savings. As he shared, his excitement gained momentum,

“Yeah, so the regular price for the bed set was $245, it was on clearance for $109, then the clearance was marked down another 50% for one day only, so it was $55. Then I used my 20% off coupon (found at Retail Me Not) and saved $21 more.” He came up for air, with the coup de gras,

“I only paid $34 for a bedding set valued at $245.”

He is my favorite son. *

After I complimented his money savings prowess, I excitedly told him about my recent discovery from our local County of Los Angeles Public Library in Quartz Hills. I found out that instead of paying $14.95 for Audible, (which is a good deal if you listen to a lot of audible books) you can get them for free at the library online. It was so easy. You just download the Overdrive app for free, register your library card and voila! I’ve already downloaded Dr. Who, The Underwater Menace and Jodi Picolt’s Small Great Things. Since it’s a digital download, I can listen to iton my phone in the car or on a plane–all for FREE. When I’m done, it’s automatically returned on the system.

Truth be told, I taught my kids from an early age how to save money. It’s in their DNA and it’s served them well as millennials in the cold, sometimes cruel world of adulting. The good news is that these skills can be learned, even if you weren’t taught from the womb how to get the best bargain.

For example, my daughter’s friend, Kristen, went to Downtown Disney with my daughter and I recently and we educated her at the Rainforest Cafe in a major way.

The first perk we received was when we called ahead to make a reservation (at 4:00 PM) and were told there were no reservations left until 9:00 PM. To which I replied,

“But I’m a Landry’s Select Club member.” I heard a quick intake of breath on the other side of the phone.

“Oh well, that’s different. Just come to the front of the line when you get here and they’ll be a 15-minute wait max for you.”

Sweet dreams are made of this.

We were happily seated upstairs at a table overlooking the two-story Atlas fountain and right in front of our own personal monkey. While we perused our menus, I explained how the Landry Select Club works.

“You only pay $25 to get the card and you earn a $25 credit for every $250 you spend at hundreds of participating restaurants, casinos and hotels across the county. It’s not a credit card, it’s just like a membership card. Restaurants like Bubba Gump, the Chart House, Saltgrass & McCormick and Schmick’s.”  I paused for a quick breath and continued,

“Plus, you get $25 credit your birthday month. There’s no renewal fees and you always get priority seating.” About that time, the Manager came over and asked us how it was going (another perk of being a member.) As soon as the manager left, my daughter added,

“Also, as soon as you register your new card online, you automatically get a $25 credit. So it pays for itself right away.”

Just then the storm began with a loud clap of thunder. The elephants at the end of the aisle started snorting loudly and our monkey friend kind of freaked out at the weather.

It was the end of our educational session. But not the end of our passion about saving money every day–the Kay way!

What are some of your day to day savings discoveries? Let me know!

 

*To be  clear all of Ellie Kay’s kids are her favorites.  She’s not a horrible mom who loves one child more than another. (Except when they buy her gifts for no reason, then they really are her favorite because gift giving is her love language, which really is a thing.)

What I Luv About Southwest Airlines – Favorite Hacks Part 1

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If you’ve never flown Southwest Airlines before, then you may not be aware that they board by groups and by number. When you get on the airplane, it’s open seating—first come, first served. I was boarding with an A-18 number which lined up adjacent to the higher numbers. An outgoing Millennial lady came up to another a Boomer woman standing on my left and asked, “what number are you?” Because she wanted to line up in order.

The well dressed and friendly Boomer answered, “I’m 50.”

I leaned over and whispered, “You don’t look a day over 35.”

At first she was surprised, but then smiled, “Actually, I’m 55 years old.” She whispered, “And I like 55.”

Cool. Gotta Luv a woman comfortable in her own skin!

This is not a sponsored post for this airline. I’m writing about this simply because it’s a big part of my life and a lot of my followers use this discount airline. I fly Southwest in order to save our Heroes at Home organization money on travel when we provide free financial education for our military members.

Here are my favorite hacks to fly high with less stress and more money in your pocket:

Shop the Sales

If you know you are traveling in a few months, then don’t buy right away. Keep an eye on the sales in order to get the “Wanna Get Away” fares, which are the cheapest. Subscribe to Click N Save in order to get an alert when fares go on sale. Keep in mind that you can look for fares in either dollars or points and when fares go on sale in dollars, they also go on sale in points.

Shortcut to Savings

If you have any latitude in when you fly, then you may want to check out the Low Fare Calendar

This resource gives the lowest fare on the calendar date for the month. It will only list the lowest fare for the day, so you’ll have to pick and choose the schedule you want and it may not be the lowest of the day. Sometimes, I just use the calendar to avoid buyer’s remorse in realizing there wasn’t a cheaper fare on a different day.

Rapid Rewards

Sign up for the frequent flyer card at the Rapid Rewards center on Southwest.com. This isn’t the credit card, it’s a number you get when you enroll that you will also enter when you book travel. These points don’t expire as long as you show some kind of points generating activity once every 24 months with either flights or partners. See below for partner opportunities as well as part two in next week’s blog.


Southwest Credit Card

Be sure you check out the Chase Southwest Chase credit card if you really want to generate points to earn more flights. Right now, brand new cardholders can earn 40,000 points when you spend $1,000 in the first 3 months. I recommend that you pay off your card each month to avoid paying interest. The annual fee is $69 and if you have a friend who already has this card, then let them sign you up on a referral. That way, you can earn the same benefit of 40,000 points, but your friend can earn 10,000 points as well. These benefits change regularly, so be sure you know the current terms before you sign up. You earn 2 points per $1 spent on Southwest purchases and Rapid Rewards® Hotel and Car Rental Partner purchases, then you earn 1 point per $1 spent on all other purchases. If you have a business, then you can rack up even more points by using it early and often. Just make sure you pay attention to utilization and if you charge more than 30% of the available credit, then pay off the balance before the billing cycle ends. This will help you keep a good credit score.

Partner Points

If you book a rental car on the Southwest.com portal, then you can earn 2 points per $1 or more, depending on the provider. You can also book hotels for points and can earn as much as 10,000 per night (I’ve never found a provider that actually gives me that many for one night because they are for hotels in other cities that I’m not visiting.) They disclose how many Rapid Rewards points they will give you when you are booking.

Rapid Rewards Dining

celebrating our sweet points!

If you sign up for rapid rewards dining, then you can earn points in partner restaurants by registering every card you may use in a restaurant (not just your Chase SWA card). I’ve registered all of my own cards and my husband’s debit and credit cards, too. I keep it simple by just going to the restaurants we want to eat at and if I end up getting a bonus, it’s icing on the cake. If you want to be more proactive, you can look at the list of partner restaurants and visit one of those for more points. Be sure you read the rules associated with the dining points, so you know what to expect.

These hacks are too good for just one post, so join us next week to see how you can earn even more points by shopping in order to earn tier benefits and whether you should invest in Early Bird or not.

What’s your favorite @SouthwestAir city to visit?

Heroes at Home Tours Europe

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  1. As part of the “Heroes at Home Financial Event” 2017 world tour, we will visit military members and their families around the world, giving advice and practical tools on how to cope with the military lifestyle and advice on how to manage their money. Heroes at Home is visiting USAFE in Europe as well as AWAG in the next three weeks, thanks to our presenting sponsor, USAA and with help from educational partners such as Experian. You can find our schedule here. Our stops include Ramstein Air Base, Spangdahlem Air Base, Aviano Air Base, Royal Air Base Mildenhall , and Royal Air Base Alconbury

One of the ways we help military families save money overseas is to give them tips to “layer the savings.” Here are the steps to save big online:

1. The first step is to go to MySimon or bing which are shopping robots that will search the internet for your item to find the best deal possible. Then, there’s always amazon as well.

2. Once you’ve found the best deal, the second step is to go to a code site such asRetailMeNot or  coupon cabin  to find the codes you need to save even more. Sometimes these codes are for free shipping, gifts, or discounts.

3. The final step is to get a rebate for your shopping, by going to eBates or SlickDeals. On some of these sites, for example, if you have an account and get your friends to sign up under your account, you can earn $5 per referral. There are hundreds of participating online sites that will give you a rebate off of your purchases and you get a check at the end of each month.

CAUTION: To avoid spam: Be sure you deselect any “offers” you don’t want while signing up for a site. I also recommend that you use unroll.me to manage your subscriptions. They roll all of your emails into one larger email and you can easily deselect or unsubscribe. Bethany Bayless, our emcee has been unsubscribed from 700+ email lists in the last two years using this site. That’s a huge time savings!

Here’s an email from one of our audience members in Europe from one of our previous tours.

Dear Ellie Kay,

I would like to tell you how wonderful it was to have you speak at our meeting at Spangdahlem AB this past week. Your tips were great –I bought a bunch of clothes and with your tips and a $25 gift card I earned from mypoints.com I spent only $14!– and they really do work and are easy to do. Your military topics touched my heart and made me proud of what I am doing here for my husband as well as other military members . Thank you for telling our story to the world and for being an inspiration.Thank you so much!

Sincerely,Christina Aiken

 

Check out our schedule to see if we are coming to a base near you! Or, if you want to support our efforts, you can contribute to the financial education of our military members and their families at our Heroes at Home website.

Driving Cars for Free

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In our Heroes at Home Financial Event Tour, one of the most popular segments deals with “how to drive a car for free.” The concept is fairly simple, but less than 10% of Americans actually follow the steps to experience debt free living when it comes to transportation. We love our military audiences because even though some military members are “ordered” to attend our show, by the time it is over, they are laughing, they’ve learned something and they realize how much fellow Americans loves them.

So how do you do it? Just follow three steps:

  1. Start with a Debt Free Car – This is usually going to be the car you just paid off. Or, it might be a vehicle a parent or someone else gave you (it might even have seen better days). In our lives, we were “given” one car and we gave away 8 cars. It might be that you agree to be a one-car family for 18 months instead of a two-car family. This is how the Kays did it to start with. If you don’t absolutely have to drive a car (you are a one car family, public transportation, driving someone else’s car, etc.), then you can go to step #2.
  1. Pay Yourself – The monthly payment for your car that you used to pay before it was paid off is a payment you will now pay to yourself instead of to the lienholder. So let’s say your car payment was $300. You will pay yourself $300 every month for 18 months. At the end of that time, you take the $5400 you have saved and then sell your existing vehicle for as much as you can get for it. You will get more money for your vehicle if you detail it, get everything running as well as possible (without a huge investment) and then sell it yourself. Go to KBB for 10 steps on how to sell your car yourself.  Let’s say you sell it for $8000. Now you have $13,400 to work with.
  1. Pay Cash for Your Next Car – Follow my steps from my previous blog on How to Buy A Car 101 – Even if you aren’t a USAA member (for an additional military discount), you can still follow the steps listed to pay the least price possible for your next vehicle. Make a special note: You cannot do this with a new car! It has to be a used car. The average new car depreciates $8000 in 8 seconds (when you drive it off the lot). So you have to buy a car that is slightly used (or real used until you trade up). The example in my blog shows how I traded up consistently until I was driving a modest Mercedes. (Is there such a thing as a modest Mercedes? I believe there is).
  1. Trade Up Until You’re Satisfied – After you’re in a new-to-you “paid for” car, then start with step number two all over again and start paying yourself. Let’s say you bought a car for $13,400 and you got into it low (as I showed you how to do in my previous blog), then in only 18 months a used car won’t depreciate that much (if you take care of it and try to keep low mileage on it) and you can sell it for close to what you paid for it. You sell it after 18 months for $13,000 and add the additional $5400 that you have saved by paying yourself every month. Now you have $18,400 going into step #3 and you can trade up your vehicle.

Does this work? It absolutely does. Not only do I do this in my own family, but I have children who do it as well. When my kids ask for my advice (sometimes it’s nice having a mom who is America’s Family Financial Expert ®), I advise them to not be wasting money on expensive car interest payments or crazy expensive leases. The difference is enough money saved over the course of five years to be able to put money down on a house instead of having to rent. It truly adds up!

Keep trading up until you are satisfied with your car and you can trade up into a car with a substantial manufacturer’s warranty (or negotiate that warranty). I do practice what I preach, and I did this to get my 2014 Mercedes, which is under mfg warranty until 2022. The only perceived downside is that my dream car is red and I thought that red cars get more speeding tickets than other colors. But good news! That’s a myth. Pedal to the metal!

What can you do today to drive your cars for free tomorrow? Let me hear from you!

Ellie Kay

Cyber Safety and Savings

Military families, especially those stationed overseas will order more items online this year than ever before. A recent report from the U.S. Census Bureau of the Department of Commerce estimated that 87.5 billion will be spend on retail e-commerce sales. Whether you are buying online or on your phone, it’s important to take extra steps to stay safe from cyber criminals while you shop.

Here are a few items to keep in mind when you shop, not only during this time of the year, but year-round:

  • Convenience Can be Costly – I know that when I shop at Bed, Bath and Beyond or Amazon, I like to save my credit card information so that I can use it more conveniently the next time I shop. However, allowing a retailer to keep your credit card information can be a security risk. So keep your info to yourself and enter every time you shop rather than saving it on the site.
  • Check Your Statements – In an effort to go green, many of you may have elected to have paperless delivery for credit card and bank statements. It’s important to review those statements each month to check that all the charges are accurate. Even a small discrepancy could indicate a larger problem.
  • Say “No” to Public and Free Wi-Fi – Criminals love to hack into your connection and steal your info. So while you can use free wi-fi to surf the web or check your email, don’t use it to purchase items where you have enter your credit card or bank information.
  • Be Diligent With Passwords – It’s a lot easier to repeat the same password over and over with different online accounts, but it also sets you up to be a victim of fraud if your information is compromised in a security breach. So create new passwords and emails to associate with different accounts.
  • Speaking of Passwords, Set One On your Phone – I was at a Starbucks recently, prepping my coffee at the creamer bar when I saw that someone left their phone. A couple had just left that area and walked out so I grabbed the phone and ran after them. When I caught up with them and gave them the phone, the man was so excited, he looked as if I had just given him the Publisher’s Clearinghouse prize. Even though our phones are usually in our hands or within arm’s reach, who of us hasn’t experienced the panic of thinking we lost it or left it somewhere. So set a password on your phone and change it every couple of months.
  • Don’t Click Through on Emails – I opted in to get certain notifications from retailers of deals, coupons and special offers. Cyber thieves know this and regularly send our pfshing emails for major retailer like Amazon, Wal-Mart, Sam’s and Walgreens. Never click through on an email’s special offer. Instead, capture any coupon code information, then go to your browser and enter the website address directly.

What ways do you use to stay safe online? Share your ideas with me and let me know how stay safe online and when shopping on your phone.

The Homestretch – Hearts Apart Stay Connected

I became a Veteran at sending a husband away for stretches of time while keeping the home fires burning. It wasn’t fun when the five youngest kids all had the stomach bug at the same time and Bob was stuck in Hawaii with a broken jet for two weeks. But we made it work.

These days, my military sons and I are apart as they serve at home an abroad. My Marine is overseas and some days, I just miss him something fierce (as they say in Texas). Here are some ways to stay connected whether you are a spouse, a sibling or a parent.

Special Connections – My Army son, Joshua and I will take
a screen shot of our phones when all the numbers are the same, then we send it to each other. We don’t have to add words because that is a unique connection that means “I’m thinking of you and I love you.” I have another friend who bought a watch for her son and her husband that has an audible timer. She set the watches for the same time in her part of the United States and her husband’s location overseas. Every day when the alarm went off, the father/son knew that the other was thinking of them and they felt connected every time.

Your Local Base, Post or Unit – Be sure you stay in touch with a military support group that is sponsored by your local unit. Family support groups will be in the know about the status of your military member’s communication capabilities. Often, you can sign up for free services that are offered to the bases such as pillow cases with a photo of your military member for each of the kids or a Stand Up Daddy project. They will also let you know when the unit allows email or other contact and where to mail packages. We are members of a Marine parents group that keeps us informed and reminds us of OPSEC (Operation Security.)

Skype – Schedule regular and free communication with www.oovoo.com or www.skype.com. Be sure your military member is allowed this kind of access and that it’s not against any regulations. We have a date with our Marine at the same time every week and we prioritize it. Keep the dialog positive while they are deployed and share the negative stuff with a trusted friend or chaplain. Deployed members need us to keep it light, but when they come home, they’ll get diaper duty. 

Apps and More – Viber is a free app that allows for free texting and calls. Text 4 free is also a free app that allows you to text when your phone is connected via Wi-Fi (in case they don’t have cell phone access). Facetime is a great app for users of iPhones, iPads, Macs, or iPods. Words With Friends is also free and lets you play games with free texting through the game.

It’s also important when they get back home to try and spend time together as well. But you don’t want to go off budget either. It’s important to not give into the temptation for “splurge spending” just because they are back home again.

Staying Connected When You’re Together:

  • RetailMeNot – This isn’t just a great app to look up discount codes inside every store you visit in person or online. It’s also a resource for coupons. I had a Mimi’s “Buy one entrée, get one free” in my email inbox but forgot to bring it to the restaurant. Happily, I found it on the RetailMeNot app and used it from my phone!
  • Google Search and Social Media – Find your favorite restaurant’s web site and check out their values or like them on their Facebook or Twitter to get special deals. Many sites will offer printable coupons as well as weekly specials. Or download Coupon Sherpa or Yowza apps to find deals.
  • Two for One/One for Two! – If your fave place doesn’t offer a “buy one/get one free” special, then why not share a meal? This savvy approach is especially smart at a restaurant that’s notorious for serving larger portions. You may have to pay a small surcharge for an extra plate, but your wallet (and waistlines) will thank you.
  • Entertainment Books – These coupon books cost around $35 (and sometimes run on sale for $10). Go to entertainment.com to find offers near you. Not only do they feature restaurant coupons, but they also offer great values on a variety of local and national services. But be forewarned: they’re not cost effective if you leave them at home!
  • Restaurant.com – At this site, you can get $25 restaurant gift certificates for only $10 and be sure to sign up for their sale notifications when you can get that $25 gift certificate for only $2!

Sharing and Saving on Hotels

Spring break is here, and summer will be upon us before we know it. If you want to get away from the day-to-day, it can be difficult to work it into your budget. Since the recession, the idea of a “Staycation” has become popular, where a family camps out in the backyard, or does something special to make their time at home feel more like time away. While these are great ideas to save money for people on a budget, I believe there are other ways to get away from home and have an affordable vacation away. Here are some ways to get away for less:

Volunteer Your Way to a Cheaper Vacation: Steve and Debby Trigg first discovered their favorite family vacation spot when they had an ample budget for family fun. They went to a Christian campground in Colorado and fell in love with the staff, landscape, and activities. They also caught the vision of how combining ministry with vacation can help teach their kids the concept of servant missions.

When Steve had his hours cut back at work, they found their vacation budget reduced during those belt-tightening years. They opted to go back to the campground as staff for a week. While their workload was increased, they still had plenty of family time with a ministry emphasis. Steve said, “We decided to volunteer to teach our children the benefits of servant missions and NOT for the benefit of a low-cost vacation—that is a serendipitous blessing.”

Instead of paying $1000 for the week (which is still a bargain for those who are paid guests) they had a working vacation for free. Not all campgrounds offer this kind of a trade-off, but if your family enjoys this kind of environment, it would be worth your time to contact a local retreat center or campground. Go to Acacamps.org for the American Camping Association or try www.google.com and enter your state and “Christian Campground” to find a location near you.

Not all vacation packages are faith-based; some are education-based as well. At Family Hostel, HostelWorld.com, there are trips offered that match families with learning vacations around the world. There are even Elder Hostels, which offer those 55 and older up to 10,000 options starting at as little as $556 for a six day photography workshop in Massachusetts.

WildernessVolunteers.org is a nonprofit organization created in 1997, which offers people of any age a chance to help and maintain national parks, forests, and wilderness areas across the United States. Everything from trail maintenance to vegetation projects may be on the agenda. Participants provide their own camping gear and share campsite chores. Most Wilderness Volunteer trips last about a week and cost around $219.

Great Deals on Hotels: If you have a certain destination in mind, sometimes all you need is a hotel. Check out these sites that can help your vacation be just that much sweeter:

TravelZoo: If you are thinking of visiting a certain place, look under the Hotels tab on TravelZoo.com and pick your destination. It will show you the current deals. It will also give you the option to search prices on several sites. Just make sure you have your check in and out dates.

priceline.com: I love this site. I have used it to get amazing deals at unimaginable prices. The “Name Your Price” tool is a wonder. Start off low and work your way up! This also has International options.

hotels.com: Another great site for finding hotel deals and steals. A unique feature for hotels.com is their rewards program that can help you build up stays and earn a free night. It is never too late to save big with their “Last Minute Deals” tab for all the quick getaway trips.

kayak.com: This is another great site for hotels, as well as flights. It will search hundreds of travel sites to find you the best deals on the web. Through Kayak, you are able to save at least 25%, sometimes even more. You can even scan the popular cities on the home page in order to see what hotels are going for in the area.

No matter what your vacation budget is, it’s important to take time off from the real world to create and develop a meaningful time to foster friendship, marriage and family. In years to come, you may not recall the price of the condominium or quality of the room service, but you will remember those forever memories with the people you love—because they are priceless.

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