8 Money-saving beauty tips for the best summer skin care

“Beautiful skin requires commitment, not a miracle”

The sun is shining in its full glory and now is the best time to flaunt your beautiful floral dresses and enjoy all the seasonal fruits. But summer can be brutal too. Hot winds can make your skin dull and rough. The harsh weather tans your fair skin and clogs your open pores due to excessive sweating together with grime and dust.

I dread summer mainly because my skin gets tanned easily. It’s very tough to remove that ugly tan. Trust me. We should follow a proper summer skin care routine to avoid making frequent trips to salon later.

Salon trips are quite expensive, and you know how I hate to waste money. So I have compiled a list of inexpensive beauty tips we can use to have a glowing skin in the summer. So far, they have worked for me. I guess, these summer beauty tips will work for you too.

Money-saving beauty tips for perfect summer skin car

1. Drink lots of water: Water keeps your skin hydrated, soft, and clear. Drink lots of water, fresh juices, buttermilk, and coconut water to flush out the harmful toxins from your body. Green tea is very good for skin. It eliminates dead skin cells and various types of skin disorders. Buy green tea in bulk to get attractive discounts.

2. Use a homemade face mask: Mix yogurt, honey, and aloe gel in a tub. Make a smooth paste and apply it all over your face. It helps to soothe a sunburn. Put a slice of cucumber on your eyes. Rinse your face with green tea to calm your skin.

3. Use a big hat: You know why I love hats? It’s because hats have loads of benefits. Big hats are quite stylish. They change the way you look. Remember Kate Winslet’s look in Titanic? Her first scene in the movie? Didn’t she look gorgeous?

Apart from being a stylish accessory, a hat helps to protect your skin from the scorching sun rays. Wear a hat to avoid uneven skin tone, discoloration, big sun spots, and serious skin disorders. You can use an umbrella to avoid sun rays if you don’t like to wear big hats.

4. Exfoliate your skin: Exfoliation is mandatory in summer. It keeps your skin smooth and flawless. Use an exfoliating sponge or sugar body scrub to remove the dead skin from the body. You can also make a homemade exfoliating face scrub with lemon, olive oil, sugar, and honey. Apply it all over your face. Wash it after 15 minutes.

Don’t forget to moisturize your skin after exfoliation. Apply cool aloe gel on your face followed by a good cream.

5. Use tomatoes: Open pores become a huge problem in summer. Keep a few slices of raw tomatoes in the freezer. Place those cold tomatoes on the open pores and let your skin absorb the juices. Rub tomatoes gently into the skin and experience the tautness. You will see that the open pores shrink quickly.

6. Use coconut oil: Coconut oil is an excellent makeup remover. Moreover, it’s cheaper than a commercial makeup remover. If you want to remove the sunscreen or makeup from your face, just rub coconut oil into your face. Your makeup will be gone within a few minutes.

7. Exercise every day: Exercise helps to release toxins from your body and gives you a glowing skin. Do simple exercises in the morning to stay fresh. If you don’t want to work out, walk regularly. You’ll lose extra pounds, have more energy, and get a beautiful skin.

8. Apply strawberry: You can easily get it in your freezer. Cut a strawberry into small pieces. Poke the flesh with a fork so that you can easily get the juices and apply them all over your face in small circles. Rinse off after 2 minutes. This helps to reduce sun spots over time.

I hope you liked my summer tips for the skin. Do let me know your feedback. If you have any other money-saving beauty tips for summer, share them with us.

Read also – How does your skin react when you are under stress?

                  8 Budget-friendly tips to have a beautiful and soft skin in winter

 

How to split expenses with your partner – Tips to avoid debt and troubles

how to split expenses with partner

Who should pay the bills in a marriage? You or your spouse or both? Have a talk with your spouse on this subject before you say ‘I do’.

Statistics say that happy couples are the ones who keep money separate and split their expenses fairly. It helps to avoid power struggle and control issues in a marriage. When both the partners have separate accounts, they can spend according to their wish and share the joint expenses happily.

How to split expenses with your partner

Both money and relationships are sensitive issues. You have to handle them carefully. You have to split expenses with your partner rationally. But how to do it? How should you split finances when you earn $30000 annually and your partner earns $300000? Let’s find out.

1. Split bills based on your income: If both of you really want to share expenses, split them on the basis of a specific percentage of your income. For instance, you may decide to contribute 30% of your income towards family expenses.

If you earn more than your spouse, then contribute more towards household expenses than your lower-earning partner.

2. Use splitting bills calculators: These calculators help to split bills as per your income so that each partner pays as per his/her income.

You can get splitting bills calculator online. Just the enter the following details and find out how much each one of you has to pay:

(i) How much you earn
(ii) How much your partner earns
(iii) How much is your total household expenses

3. Decide who will pay what: Sit with your partner and divide the bills amongst yourselves. Suppose, you decide to take care of mortgage and auto insurance. Your spouse can pay the grocery and utility bills. If you’re earning more than your spouse, then select the expensive bills for yourself. This way no one will feel financially burdened.

Be honest and transparent when you’re sharing expenses in a relationship. There is a strong reason behind this. Suppose you’re paying the mortgage and your spouse is paying utility bills. But both of you are not transparent about it. Maybe your spouse can’t cover the bills but she remains silent until the final shut-off notice arrives from the electric company. Now, this may lead to fights, misunderstanding, and ego clashes later.

4. Pay a salary to your spouse: If you’re working and your partner is a full-time parent, then you can pay a salary to her. Don’t get shocked. Just think in this way. Wouldn’t you have paid money for the daycare or the babysitter if both of you were working? Your partner has sacrificed her career to take care of the family. But even she needs to feel happy and satisfied. Isn’t it?

5. Give a bonus: Who doesn’t like to get a bonus or an incentive? Everyone does.

Give a bonus who manages family expenses like a pro. Allocate a specific responsibility to each one of you. For instance, your responsibility is to earn as much as you can for your family. Your partner’s responsibility will be to cut expenses wherever she can. Ask your partner to calculate how much she has saved in the month and give a bonus based on the amount.

Conclusion

Money management plays a big role in a marriage. Those who say it doesn’t matter are either lying or living in a fool’s paradise.

If you’re getting hitched, then buy a splitting bills calculator before anything else. Trust me, this calculator will help you avoid debts, financial troubles, and ugly fights in the future.

How do you divide finances in a marriage? Is there any set rule you follow? How far have you succeeded? Share your ideas and thoughts.

3 Age-old laws you should follow to build wealth

Recently I attended a conference on building wealth, and I must say it was quite good. The speaker told about a few ancient laws that can help to build wealth. Some may dismiss those laws as amateurish, but I beg to differ.

I have read countless articles on how to get out of debt in record time, how to avoid credit card debts, student loans, payday loans, and so on. But I haven’t heard that there are ancient laws that can help to build wealth. The topic piqued my curiosity and propelled me to attend the seminar. After visiting the seminar, I can tell you only one thing. It was an amazing experience.

Ancient laws that can help you build wealth

My first financial goal is to pay off debt. I have already paid off all the debts. So I have already achieved my first financial goal. My next financial goal is to build wealth and attain complete financial freedom. Hence I have decided to follow these 3 laws. If you want to build wealth just like me, then stick to this blog post for a few minutes.

1. The law of desire: Once I have watched a movie where the hero says ‘when your desire for something is too big, the entire universe conspires to fulfill it.’ It may sound a bit weird but this is true.

I have always wanted to do a job based on reading and writing. Look where I’m today. I’m working as a content editor for more than 6 years.

You have to think what you want and why you want. When you know why you want something desperately, the ‘how’ is also automatic.

2. The law of belief: You have to believe in yourself and know your goal. You can’t rise above your beliefs.

Have faith in yourself since can help to move mountains and connect to what you need.

Many people fail due to lack of confidence. When they get success, they feel they shouldn’t be there and end up acting in a way that pushes them backward.

3. The law of gratitude: Be grateful for what you have. Those who are grateful and appreciate what they have attract new opportunities. Just think casually, we love to give things to those who are appreciative than to those who feel it’s their birthright. Similarly, you’re likely to get more opportunities for building wealth when you’re give value to what you have. So appreciate what you have. This law has been proved scientifically. So don’t ignore it.

Conclusion

These 3 ancient laws can help you build wealth, reduce your debt, and save money. I’ll abide by these laws in 2018. Let’s see what’s in store for me. If you want to get financial success, then follow these laws. I’m sure your future will be different and great.

Do you believe these laws can help you achieve your financial goals? What do you do to build wealth? What is your strategy? Share it with us.

Conclusion

These 3 ancient laws can help you build wealth, reduce your debt, and save money. I’ll abide by these laws in 2018. Let’s see what’s in store for me. If you want to get financial success, then follow these laws. I’m sure your future will be different and great.

Do you believe these laws can help you achieve your financial goals? What do you do to build wealth? What is your strategy? Share it with us.

FICO Forums – A new world and a new beginning

joined FICO forums

I’m quite excited to share a good news with you all.

I have joined FICO forums a few days back, and the experience has been truly amazing. I’m too excited.

My experience in FICO Forums

If you ask me, I can tell you one thing. A forum is the best place to learn new things. It’s a platform where common people and industry experts come together in one place. They share their unique experiences and knowledge with each other on various topics. Since I work as a content editor, so I prefer to participate in debt or financial forums. If your interest is in technology, then you can participate at CNET or Techist for having tech discussions.

When I first started working as a content writer, I didn’t have any knowledge about many things. Finance was a new domain for me. I lacked both knowledge and experience. One of my senior colleagues suggested me to participate in forums as a way to gain knowledge. Thank God, I followed his advice. Otherwise, I wouldn’t have survived as a content writer.

FICO Forums is a new world altogether. Moderators are extremely cooperative and helpful. The questions are interesting. Most importantly, in my brief experience, I learned a lot of new things from there. For instance, previously I knew that the ideal credit utilization ratio is 10%. But one of the moderators pointed out an interesting point. The ideal credit utilization ratio is actually less than 8.9% since 9.000001% is also regarded as 10%. This actually makes sense but it never came to my mind. Kudos to the moderators!!!

There is yet another interesting point I came to know recently. Previously, I knew that our credit score doesn’t increase when we pay off charged-off accounts. But that is wrong. If the credit utilization ratio is high or above 100%, then your credit score can increase after paying off charged-off accounts. When you pay off charged-off accounts, the credit-utilization ratio drops. This helps to increase your credit score.

The forum members, moderators, and the entire community are quite friendly. The discussions are quite interesting. So far, the experience has been good. Let’s see what’s in store in the future.

The sign-up process is quick and easy. If you want to know more about various aspect of credit score, I would recommend you to register at FICO forums. You can post your questions there. I’m there to answer your questions. Plus, you can get new insights from the the community leaders and valued members.

A new beginning and I’m quite excited

I have decided to actively participate in Fico forums. In my brief stint at this forum, I have learned one thing. I’m still new in the financial domain, and there is a lot to learn. This is just the beginning. Hopefully, I’ll be able to explore new areas of the financial world through this forum. Fingers crossed!!!

Just to let you know. I’m participating in Fico forums with this id – stacyishere4u. You can check my posts and profile there. Got 2 Kudos already. Yay!!!!

Do you participate in any financial forums? How is your experience? Share your feedback here.

When should you toss away your tax records?

throw tax records

Okay guys, the most dreaded time has arrived – the tax season. Gosh! I wish I could explain how much I hate this season. Instead of reading books or cooking, I’m crunching numbers, sorting out the financial papers, tax forms, and important documents till midnight every day. Disgusting!

Yesterday, I was searching for an important tax form in my files. While I was searching for the paper, it struck me that there are too many old financial papers in the files. I have kept all of my tax documents and other financial documents in 4 big and fat files. The files are so heavy that you can carry only one file at a time.

It’s time to declutter.

If your condition is just like me and you’re thinking of disposing of your tax papers, then stick to this blog post because today I’m going to talk about how long you can hang on to your tax records. Don’t throw away your tax papers just like that.

How long should you hang on to your tax records?

If you ask my dad who belongs to the old financial school, he would tell you to keep your tax returns forever. His point is, ‘You never know when you might need them. Besides, old financial papers and tax documents give you a fair idea about your financial growth.’ But my opinion is different.

You can toss financial papers and tax papers 3 years after the deadline. If your tax returns are suspicious, the IRS has to initiate an audit within this period. However, some tax experts also suggest keeping tax records for 7 years.

The most important tax papers and other documents you should keep for more than 3 years are:

  1. Records of major home renovation
  2. Records of home purchase
  3. Records of mutual funds and stocks you purchased
  4. Records of mutual funds and stocks kept in taxable accounts to calculate the cost basis
  5. The form 8606 that can help you prove you have paid tax on the nondeductible IRA contributions

Tax documents you can keep for 3 years

Here are a few documents you should retain for at least 3 years.

  1. W-2s and 1099s forms showing your income
  2. Canceled checks for charitable donations
  3. 1099s forms showing dividends, interests, and capital gains
  4. 1098 form when you have deducted mortgage interest

Tax documents you can keep for 4 years

Employment tax returns after the date that the tax becomes due or is paid

Tax documents you should keep for 6 years

Keep your tax records and other financial documents if you don’t report your income properly, and it’s above 25% of the gross income reported on your return

Tax documents you should keep for 7 years

  1. Documents showing loss from worthless securities

Tax documents you should keep forever

  1. Keep records of everything if you don’t file income tax returns
  2. Keep all your financial records if you have filed a fraudulent return

What can you do your records for non-tax purposes?

Don’t destroy your records when you don’t need them for tax purposes anymore. Think if you have to retain them for other purposes. For instance, your insurance company may want to retain them longer than the IRS does.

Valentine’s Day – 7 Gifts to pamper yourself

No more expectations in 2018.

Expectations give you pain and sadness. That’s why I have made a resolution to not expect anything from anyone this year. That’s why I’m not expecting anything from anyone on the Valentine’s Day as well.

This year, I’ll treat myself on the Valentine’s Day. I’ll buy gifts I really want to give myself this year. I know my hobbies. I know my likings and dislikings. So it would be easy to buy Valentine’s Day gifts.

If you are single or if you love yourself, then here are the 7 gifts to give yourself.

1. A good coffee mug: I’m tired of sipping coffee in my old coffee mug. I’m sick and tired. Now I need an energy boost. I need a coffee mug that brings a smile on my face the moment I see it in the busy mornings at office.

2. Sneakers: Stilettos are good for parties, which happen occasionally. I need good sneakers to go from gym to brunch within a few minutes. This year, I’m ready to spend a good amount for sneakers.

3. Silk pillowcase: A good sleep can cure bad mood. It can make you feel satiated and happy. I need at least 7 hour good sleep to run throughout the day. This Valentine’s Day, I have decided to gift myself a silk pillowcase. I want to give myself luxurious sleep after a busy and hard day to keep myself recharged.

You can try this by the way. I have slept on a silk pillowcase once in a hotel. I must say that the feeling is amazing. Soft and silky.

4. A smart sweatshirt: Old sweaters are definitely going to charitable organizations this year. Even my colleagues have started saying, “Please get rid of that old grey sweater.” Retailers are giving flat discounts on sweaters, scarves, sweatshirts, etc. I’m going to buy a good sweatshirt and other woollen garments from the stock clearance sale.

5. A good quilt: Sleeping is my latest hobby. I just love the feeling of getting under a soft quilt and watch my favorite TV shows at night. Sometimes, I read a good book and then doze off. This Valentine’s Day, a new quilt and a silk pillow cover are going to replace the old ones. Time to spend for my latest hobby.

6. A body pillow: Another new addition in my bedroom. Please don’t start laughing. A body pillow gives support to your hips, tummy, neck and back. It can help to relax your tired bones after a tiring day at work. If you’re working round the clock like me, then ask your boyfriend or girlfriend to gift you a body pillow. Trust me, you’ll love this gift.

7. A good face oil: I have tried all types of creams in the last few years. Now, I want to try something new. This Valentine’s Day, I have decided to buy a cheap and effective face oil for myself. I am looking for a face oil that leaves my skin glowy.

Do you have any recommendation? Just keep it in mind that the oil must be non-greasy and paraben free.

 

Conclusion

At the end of the day, I should be happy. In the last few years, I have learned one thing. Life is short and you live only once. So do everything you want. Treat yourself. If you get Valentine’s gift from others, then that’s the added bonus.

 

So there you go. I have listed my Valentine’s Day gifts. Do you have any interesting idea? Share with us. I might get another gift idea for myself.

Americans racked up average $1054 over the holidays

Americans racked up average $1054 over the holidays in 2017. All thanks to holiday shopping. According to the report published by MagnifyMoney, 68% of frenzied shoppers used credit cards for holiday shopping, a figure higher than 2016. 17% of shoppers used store cards, 9% of consumers took out a personal loan, and 4% borrowed a payday loan during the festive season.

How much Americans have to pay

If Americans pay $25 every month, then it will take 5 months to clear their holiday debt of $1054. Plus they will pay an extra $505 in interest, which is 50% more than the original spending. The average amount of holiday debt increased by 5% in 2016. But this is just the average. Almost 18% shoppers incurred $2000 of debt. Most of consumers didn’t plan or expect to borrow so much but the lack of proper financial planning lead to problems.

49% of consumers expect that they can pay off their debts in 3 months. 51% of consumers feel that they it will take more than 3 months to clear their holiday debts. 10% of consumers feel that they can only pay the minimum amount, which means it will take more than 5 months to eradicate their holiday debt.

Another lingering problem

Though most consumers used credit cards for holiday shopping, some used payday loans for holiday purchases. Payday loans are costlier than credit cards due to their high interest rates. Some payday loans have 500% interest rates. Can you imagine that? I know many people who have closed their bank accounts just to get rid of payday loans. Payday lenders directly debit money from consumers’ accounts every month, and they keep on doing that till the loan is completely paid off. Unfortunately, the interest is so high that most consumers are unable to pay off the amount. Hence, lenders continue to withdraw the amount.

How can Americans tackle holiday debt in 2018?

Where there is will, there is a way. Americans can get out of debt in 2018 itself. All they need to do is use a few strategies. For instance, they can refinance their credit card debt with a debt consolidation loan or a balance transfer method.

Balance transfer method is good as long as consumers pay off the full amount within the introductory period. If they can’t, then they have to pay double interest on the accrued amount. This is why many financial experts warn consumers against credit card balance transfers.

The other option is the debt consolidation loan, where consumers can replace their existing credit card debt with a single loan with low interest rate. This option is good when the interest rate is low and the loan term is short. If the loan term is long, then a consumer has to pay a big amount in the long run. It isn’t beneficial.

So what’s the viable option? If you ask me, I’ll say it’s the debt consolidation program where consumers can pay as per their affordability without any added interest or penalty. I mean, they can sleep comfortably since they have to make a low monthly payment due to reduced interest every month.

Wait! I’m not finished yet

Consumers should check their credit report diligently since that makes a direct impact on the credit score. They should find out what’s there on their credit report to avoid unpleasant surprises later.

 

Wanna avoid holiday financial stress? Here are the 13 easy ways to it

The holiday season is that time of the year when people want to have fun and create some memorable moments in their life. But this season can be quite stressful if you don’t have the perfect plan for buying Christmas gifts, foods and accessories. The excitement of holiday shopping can burn a big hole in your wallet and may cause you a lot of stress in 2018.

I’m 100% sure that you wouldn’t want that.

It might not be possible to remove all of your money worries during the holiday season, but there are a few ways to alleviate some of them. Let’s talk about a few of them today.

13 Easy ways to beat the holiday financial blues

    1. Shop early in the morning when the stores have just opened to avoid the mad crowd caught in the shopping frenzy.
    2. Create a shopping list. Pick a day to complete your shopping. Be organized since this will help you to find everything you need.
    3. Try to do your Christmas shopping between December 16-18. This is the best time to buy your gifts. You can check out the discounts and grab the best deals.
    4. Use coupons and promo codes because they can help you get biggest discounts on big brands.
    5. Set a challenge with your friends. The name of the challenge is – “Who can get the biggest discount on the items you need?”
    6. Give DIY gifts since you can make them at home easily and they don’t eat up your savings also.
    7. Create a holiday budget for buying your Christmas gifts.
    8. Go back to home since a trip to a hill station involves a lot more expenses like expensive air travel with peak-season rates. Plus, there are hotel-bookings and long-road trip expenses. Book your air tickets little early so that you can get big discounts.
    9. Have realistic expectations. Know your financial limits. Don’t overspend and create more stress.
    10. Have a discussion with your family about your financial situation if you’re cash-strapped. Request them to cooperate with you financially.
    11. Organize a potluck party in your home to reduce both physical and financial stress. Ask everyone to bring one meal. You can relax and just focus on the Christmas decor. Others will do the hard work for you. On the financial front, you can save a lot of money on grocery shopping.
    12. Ask your family members to stop spending money on gift-giving. Spend quality time with your family instead.
    13. Look for budget-friendly gifts that will definitely win the hearts of your loved ones.

Few budget-friendly gifts

    • A good book
    • Candles
    • Hats
    • Gift cards
    • Jewelry box
    • Phone accessories

Conclusion

Let your freak flag fly in this year. Spend as per your affordability to avoid debts after the holiday season is over. If your budget is $200, then break it down into each category carefully. Make sure you don’t spend more than the allocated amount for a specific category. The more organized you’re, the more likely you’ll be on a better financial footing in the first 2 months of the New Year.

Spend time not money on Black Friday to enjoy with family

Think carefully. Do you really have to shop on the Thanksgiving Day and Black Friday? In the last few years, the holiday shopping frenzy has forced some stores to open at 5 am on the Thanksgiving Day. But is it crazy?

When I was a child, I used to wait eagerly for the Thanksgiving Day and Black Friday. In fact, I was crazy about the shopping deals even a few years back but not anymore. My bestie says it’s because I’m aging. But I don’t think so.

I mean, of course, I’m aging. I see things in a different perspective but that’s not the reason why I feel people should stop shopping on Black Friday or the Thanksgiving Day.

You get shopping discounts throughout the year nowadays. In fact, you can get the exact same discount a few days later. Then why should you lose your sleep and rush to the store at 5 am? Spend these days with your family. Most of us are busy throughout the year. We have studies, work, extra-curricular activities, and so many other things to look after on other days. You can at least reserve these 2 days for your family. You can catch up with what is happening in other’s life in these days. You will feel fresh and rejuvenated.

Around 35% of consumers have planned to shop on this Black Friday, a figure which is 51% down from the last year. But does this mean that the rest 70% of the consumers won’t spend money? I don’t think so. Holiday shopping is expected to bring $680 billion to the National Retail Federation. This is a 3.6% to 40% increase in the total revenue.

Frankly speaking, I feel Black Friday has lost its appeal and importance. All 151 REI stores will be closed on the Black Friday. Almost 12,000 workers will have a day off, and it’s not the first outlet that will remain closed this year. Home Depot, Costco, and Nordstrom will also remain closed on the Thanksgiving Day.

Black Friday is not the biggest sale event of the year. It’s not anymore. Gone are those days. Instead of shopping, go for hiking, rowing, and rock climbing with your friends and family members. Play board games or cook your family’s signature dish. Listen to your family’s old stories.

Read or spread love on this Black Friday

Do you remember when did you have a lovely chat with a close relative who stays miles away? This year call that close relative who couldn’t be at home on the Thanksgiving weekend since he/she lives in another state or country. Gather everyone at home on the weekend and then do a video chat with the close relative.

If you don’t love to chat or play, then sit comfortably in a cozy comforter and read your favorite book. Trust me you’ll enjoy it more than a 35%-off piece of plastic crap from Walmart.

What’s more

Embrace the nature with open arms after eating and drinking with your family. It’s time to breathe some fresh air. It’s time to visit a state park that gives free admission on this day. You can also go skiing or walk on the beach. It’ll give you a body to die for and rejuvenated mind.

4 Tips to save your finances before Hurricane strikes

Hey, guys! What’s up? Sorry! I couldn’t catch up with you all in the last few weeks. I was extremely busy. My cousin sister lost her everything – thanks to Hurricane Irma. Her house is completely destroyed. Her husband’s office is broken down. They have a new member to look after – their daughter Alice who was born a month back. The situation is a complete mess.

Liza (my cousin sister) is shattered. They are living in my house till everything gets sorted out. Brad has incurred a huge loss too.

Initially, I was little annoyed with Liza because everyone knew about Hurricane Irma. She could have taken some precautionary steps to save her finances before Hurricane ravaged Florida and Caribbean islands. Then my rational mind intervened. Liza was not well. She was heavily pregnant. Brad was not in this country. What could have Liza done?

Liza is slightly better now. Alice is also getting accustomed to us. Things are gradually improving. Yes. Money is lost and this is why I thought to write a blog on the tips to financially prepare for a Hurricane. Liza and Brad suffered a lot since they couldn’t be financially prepared. I don’t want that my readers also walk on the same path.

Here goes my list of tips to be financially prepared for a Hurricane.

  1. 1. Take a digital copy of your financial documents: Hurricane can’t destroy your email. Gather all your important financial documents and scan them. Send the digital copy of your financial papers in your email. You can access those papers later. You can use these papers for insurance claims. Click pictures of your home, furniture, and other items. You’ll need these pictures later.
  2. 2. Withdraw some money from the ATM: Liza was pregnant. She couldn’t go to the ATM and withdraw money. Please don’t do this mistake. Keep some cash with you in different denominations. Keep one or two credit cards with you. If you have to leave home, then you’ll need this cash for basic travel expenses.
  3. 3. Stuff essential things in a bag: This is your emergency bag. Keep a pair of spare clothes, a flashlight, a first aid kit, water bottle, nonperishable food, batteries, medicines, and insurance policies in the bag. This bag will be extremely useful when you evacuate the home in under 5 minutes. If you have a pet, then don’t forget to keep pet foods in the bag.
  4. 4. Read your insurance policy again: Most people don’t read their insurance policies properly. Half people don’t understand their insurance policy, which is extremely bad. Read the terms and conditions of your insurance policy properly. Is your insurance policy covering you against hurricane-level winds and floods? The most serious consequence of a hurricane is flood. If your insurance policy doesn’t cover you against floods, then it’s better to buy a flood insurance policy.

    Most insurance policies go into effect after 30 days. So a wise decision is to buy the flood insurance policy one month in advance.

Conclusion

A natural disaster is something that is beyond our control. You can’t stop it. You can only take steps to save yourself and your belongings. Take the aforementioned steps in the hurricane season. At least, your condition will be better than my sister.