The right credit card can make or break your travel budget and costs, regardless of whether you are planning an annual family trip or are a regular business traveler.

Your credit card should not give you a nagging worry of losing out a significant amount on foreign transaction fees and currency conversions while paying for hotels, flight tickets, and other things.

This comprehensive guide will walk you through the key elements that need to be considered when you are comparing various credit card options for your next travel.

Annual Fee

You should be aware that most travel cards come with an annual fee. This can range anywhere from $90 to $100 for regular travel cards and even in a strong economy with stellar tax cuts these fees should not be ignored.

But the fees can go up to $450 or more for premium cards that come with a host of perks and rewards. You need to weigh these perks against the annual fee to make sure that it evens out.

If you are wondering whether there are any good travel credit cards without the unnecessary annual fee, then you are in luck. There are many no-fee travel cards, but then they have a few drawbacks, like rewards of lower value, reduced perks, and a smaller sign-up bonus.

Rewards Rates

Rewards can be primarily segregated into the following two categories:

Burn rate

Burn rate is the value you receive for the miles or points when you go in to redeem them. The standard industry burn rate is 1 cent for every mile or point. However, some cards, especially hotel cards offer a lower value on the ‘burn’ end, but make up for it by offering more points for every dollar spent on the earning side.

Earn rate 

Earn rate signifies the number of miles or points you receive on every dollar spent. There are some standard travel credit cards that only offer rewards on a flat-rate. This means that you get the same type of rewards on all kinds of purchases, such as 3 miles per dollar or 2.5 points per dollar.

Co-branded cards and others offer a base rate (say a point per dollar) and then raise the stakes for certain categories. For instance, you may be paid a higher reward rate for hotel stays, airline tickets, restaurant meals, and other general travel expenses.

Don’t just blindly look at the numbers while comparing reward rates. You need to take a closer look at the category those numbers apply to and find a travel card that best matches your spending pattern.

It may seem great to receive 5 points every dollar. But, if those 5 points only come with purchasing office supplies and you don’t intend to use your travel card in an office supply store, then you may just end up getting a lousy deal.

Foreign Transaction Fee

Foreign transaction fee is never charged by a good travel card. These fees refer to the surcharges on purchases that are made outside the United States. The industry standard where foreign transaction fee is concerned is 3%, which is just enough to wipe out all the rewards you may have earned during your travel.

This is not of much concern if you don’t travel outside the US much. But, anyone who leaves US frequently should invest in a travel card with no foreign transaction fee. There are many issuers, like Capital One and Discover that offer cards without foreign transaction fee.

Reputation of the Issuer

You need to make sure that your travel card is backed by a reliable international company, especially if you are a globe-trotter. All credit cards don’t make for dependable travel companions.

MasterCard and Visa are used pretty much worldwide. But you may encounter trouble with acceptance in some countries where American Express and Discover are concerned.

However, this is very destination specific and you should not dismiss Discover and Amex outright. Just make sure that you take a back-up card along when you intend to use these. In fact, having a back-up card for your travels within the U.S. is also a prudent thing to do.

Travel Protections

You should compare various cards on the basis of the travel protection they offer. You can pick from trip cancellation coverage, car rental insurance, and lost baggage protection, among others. No, there’s no card that can protect you from the Patriots cheating in the NFL!

Bottom Line

It can be difficult to find a travel card that offers everything you require. There will always be minor disappointments because no issuer offers high reward rates, top-notch perks, generous sign-up bonuses, and no annual fee in a single card.

However, by being smart about the features listed in this guide and carefully choosing the right combination, you can find the ideal credit card that suits your unique travel needs.

Do you find yourself having to pass on happy hour with your mates because your wallet is empty? Are you short on cash and but don’t have time for a second job? Or are you trying to finally save up for a place of your own? You’re not alone. According to a recent study, about 25 per cent of British adults have no savings. If you find yourself low on cash and are wondering what you can do to get out of the debt hole, have hope.

These 10 tips can help you gradually put some more cash in your wallet and start saving today, without the need to get a second job or even leave your flat.

Step #1 — Dating? Stop trying to impress with your wallet.

If you date regularly and are too old-fashioned or chivalrous to make your date pay her way, you could be spending hundreds of pounds per month on someone who isn’t worth your time. Try going out for coffee first to see if you click before committing to a dinner date. If you do find someone you like after a few dates, let her pay once in a while if she pulls out her purse and offers.

Step #2 — Take online surveys.

If you’re sitting in front of the telly mindlessly watching something, why not pull out your smartphone or laptop and take some short surveys? Whether in the form of cash, gift vouchers or free products to test, it pays to get something for nothing by simply sharing your opinion.

My favourite survey site is InboxPounds. They pay you £8 for every 30 minutes of watching videos and taking surveys, and they’ve paid out roughly £40,000,000

to date worldwide, so they know what they’re doing. And, the surveys are actually interesting!

Step #3 — Sell your smartphone pics.

You’ve likely got your smartphone on you most of the time anyway, so why not start making extra money by simply taking notice of what’s going on in the world around you. An app called Foap wants your quality photos and will split the profits with you for any picture sold. So, if someone buys your pic for £10, you’ll get £5 each time it sells.

Step #4 — Have credit card balances? Shop around for lower interest rates.

If you’re only paying the minimum balance when your credit card payment is due, it’s difficult to get out of debt as the interest continues to build. Try shopping around for a card with a lower interest rate, and transfer your balance to that card. Some cards even offer promotional rates where you pay no interest for a specific period. So if you have £10,000 in credit card debt and are paying a 16% annual percentage rate, you could save £133 per month during the promotional period.

Step #5 — Switch car insurance companies.

Car insurance is one of those expenses that most people dread paying, simply because unless you get in a crash and really need it, there’s an intangible reward for having it. And wouldn’t you rather spend that money on a salon visit or new pair of shoes? What’s worse is that car insurance companies make most of their money by taking advantage of their loyal clients. If you don’t shop around when renewal time rolls around, they’ll likely raise your rates. The good thing is that it’s easy to compare prices online. A quick 10 minutes saved me £552 per year. 

Step #6 – Be smart about happy hour.

After a long workday, a couple of pints at the pub with your mates can really take the stress of the day away. But when a couple of pints turns into a couple dozen, and you can’t remember where your money went in the morning, it’s time to get smarter about happy hour. Give yourself a limit and be disciplined about it. Head home before that one mate who never pays for a round shows up.

Step #7—Charged a late fee? Ask for a one-time courtesy refund.

You would be surprised as to how easy it can be to get a fee waived once you muster up the courage to simply ask. Realize that they’ll probably only do this once a year, but it’s better than losing you as a client. If you’re habitually late only because you forgot to pay, consider setting automatic payments so you don’t get charged late fees again.

Step #8—Get paid for searching online.

Next time you need to search for something online, skip Google and instead use InboxPounds. Yes, on top of getting paid for surveys, you can also get paid for searching on InboxPounds. And you’ll get a £1 bonus just for trying it.

Step #9—Get cash back for shopping.

It may seem counterintuitive to shop when you’re trying to save money, but for items you really need to buy, why not get cash back for buying them? Topcashback.co.uk offers money back for shopping both online and in-store. It’s free to join and offered worldwide. Just search for your desired retailer through their website and shop like you normally would. The retailer pays TopCashback a commission for your purchase, and then forwards part of it to you in the form of cash that you can withdraw however you like.

Step #10 – Take advantage of new checking account offers.

Lots of banks try to get new customers in the door by offering bonuses for opening new accounts, and even more for having your payslip direct deposited. Consider keeping your old account open as strictly a savings account, as long the bank doesn’t charge any fees, and watch the money grow.

Before saying no to any of the above tips, simply give them a try. Stressing about money can really take a toll on you, so put an end to debt for good and reward yourself once in a while as you make progress. After all, that new flat screen you’ve had your eye on for months will look so much better if you know you’ve earned it.

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If you struggle to make ends meet, living payslip to payslip, you’re not alone. According to a recent study, about 25 per cent of British adults have no savings. If you find yourself low on cash and are wondering what you can do to stop living payslip to payslip, have hope. A few lifestyle changes combined with savvy shopping skills can help you gradually put some more cash in your purse.

These 10 tips can help you start saving today, without the need to get a second job or even leave your flat.

Step #2 — Take online surveys.

If you’re sitting in front of the telly mindlessly watching something, why not pull out your smartphone or laptop and take some short surveys? Whether in the form of cash, gift vouchers or free products to test, it pays to get something for nothing by simply sharing your opinion.

My favourite survey site is InboxPounds. They pay you £8 for every 30 minutes of watching videos and taking surveys, and they’ve paid out roughly £40,000,000

to date worldwide, so they know what they’re doing. And, the surveys are actually interesting!

Step #3 — Sell your smartphone pics.
You’ve got your smartphone on you anyway, so why not start making extra money by simply noticing what’s going on in the world around you. An app called Foap wants your quality photos and will split the profits with you for any picture sold. So if someone buys your pic for £10, you’ll get £5 each time it sells.

Step #4 — Have credit card balances? Shop around for lower interest rates

If you’re only paying the minimum balance when your credit card payment is due, it’s difficult to get out of debt as the interest continues to build. Try shopping around for a card with a lower interest rate and transfer your balance to that card. Some cards even offer promotional rates where you pay no interest for a specific period. So if you have £10,000 in credit card debt and are paying a 16% annual percentage rate, you could save £133 per month during the promotional period.

Step #5 — Break up with the coffee shop.

When your barista starts recognizing you by name, but you can’t even afford your coffee, it might be time to start making your coffee at home. Doing so allows you to customize your drink exactly how you want it. You may need to invest in an espresso maker first, but doing so can save you money for years to come.

Step #6 — Charged a late fee? Ask for a one-time courtesy refund.

You would be surprised as to how easy it can be to get a fee waived once you muster up the courage to simply ask. Realize that they’ll probably only do this once a year, but it’s better than losing you as a client. If you’re habitually late only because you forgot to pay, consider setting automatic payments so you don’t get charged late fees again.

Step #7 —Get paid for searching online.

Next time you need to search for something online, skip Google and instead use InboxPounds. Yes, on top of getting paid to complete surveys and watch videos, you can also get paid for searching on InboxPounds. And you’ll get a £1 Bonus just for trying it!

Step #8 — Switch car insurance companies.

Car insurance is one of those expenses that most people dread paying, simply because unless you get in a crash and really need it, there’s an intangible reward for having it. And wouldn’t you rather spend that money on a salon visit or new pair of shoes? What’s worse is that car insurance companies make most of their money by taking advantage of their loyal clients. If you don’t shop around when renewal time rolls around, they’ll likely raise your rates. The good thing is that it’s easy to compare prices online. A quick 10 minutes saved me £552 per year.

Step #9 — Get cash back for shopping.

It may seem counterintuitive to shop when you’re trying to save money, but for items you really need to buy, why not get cash back for buying them? Topcashback.co.uk offers money back for shopping both online and in-store. It’s free to join and offered worldwide. Just search for your desired retailer through their website and shop like you normally would. The retailer pays TopCashback a commission for your purchase that you can withdraw when it is available.

Step #10 — Take advantage of new checking account offers.

Lots of banks try to get new customers in the door by offering bonuses for opening new accounts, and even more for having your payslip direct deposited. Consider keeping your old account open as strictly a savings account, as long the bank doesn’t charge any fees.

Stressing about money can really take a toll on you. So before saying no to any of the above tips, simply give them a try. Put an end to debt for good and reward yourself once in a while as you make progress. After all, a massage feels much better knowing you’ve earned it!

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If you struggle to make ends meet, living payslip to payslip, you’re not alone. According to a recent study, about 25 per cent of British adults have no savings. If you find yourself low on cash and are wondering what you can do to stop living payslip to payslip, have hope. A few lifestyle changes combined with savvy shopping skills can help you gradually put some more cash in your purse.

These 10 tips can help you start saving today, without the need to get a second job or even leave your flat.

Step #1 — Sell your stuff

This was the first step I took when I started to take control of my finances. Decluttering not only made me feel better, but put a lot of extra cash in my pocket at the same time. Win-win! When was the last time you took a close look at everything in your flat – in your closets, shelves, and that dreaded drawer that you never open because it’s packed to the brim with junk? You’d be surprised at what’s hiding in there, and how much it’s all worth. I used Facebook Marketplace, Craigslist and eBay to sell my things. They are all free and easy to use, and you can set your own prices!

Set a goal to make an extra $150 decluttering your flat this month, and immediately add it to your bank account — every little bit adds up!

Step #2 — Take online surveys.

If you’re sitting in front of the telly mindlessly watching something, why not pull out your smartphone or laptop and take some short surveys? Whether in the form of cash, gift vouchers or free products to test, it pays to get something for nothing by simply sharing your opinion.

My favourite survey site is InboxPounds. They pay you £8 for every 30 minutes of watching videos and taking surveys, and they’ve paid out roughly £40,000,000

to date worldwide, so they know what they’re doing. And, the surveys are actually interesting!

Step #3 — Sell your smartphone pics.
You’ve got your smartphone on you anyway, so why not start making extra money by simply noticing what’s going on in the world around you. An app called Foap wants your quality photos and will split the profits with you for any picture sold. So if someone buys your pic for £10, you’ll get £5 each time it sells.

Step #4 — Have credit card balances? Shop around for lower interest rates

If you’re only paying the minimum balance when your credit card payment is due, it’s difficult to get out of debt as the interest continues to build. Try shopping around for a card with a lower interest rate and transfer your balance to that card. Some cards even offer promotional rates where you pay no interest for a specific period. So if you have £10,000 in credit card debt and are paying a 16% annual percentage rate, you could save £133 per month during the promotional period.

Step #5 — Break up with the coffee shop.

When your barista starts recognizing you by name, but you can’t even afford your coffee, it might be time to start making your coffee at home. Doing so allows you to customize your drink exactly how you want it. You may need to invest in an espresso maker first, but doing so can save you money for years to come.

Step #6 — Charged a late fee? Ask for a one-time courtesy refund.

You would be surprised as to how easy it can be to get a fee waived once you muster up the courage to simply ask. Realize that they’ll probably only do this once a year, but it’s better than losing you as a client. If you’re habitually late only because you forgot to pay, consider setting automatic payments so you don’t get charged late fees again.

Step #7 —Get paid for searching online.

Next time you need to search for something online, skip Google and instead use InboxPounds. Yes, on top of getting paid to complete surveys and watch videos, you can also get paid for searching on InboxPounds. And you’ll get a £1 Bonus just for trying it!

Step #8 — Switch car insurance companies.

Car insurance is one of those expenses that most people dread paying, simply because unless you get in a crash and really need it, there’s an intangible reward for having it. And wouldn’t you rather spend that money on a salon visit or new pair of shoes? What’s worse is that car insurance companies make most of their money by taking advantage of their loyal clients. If you don’t shop around when renewal time rolls around, they’ll likely raise your rates. The good thing is that it’s easy to compare prices online. A quick 10 minutes saved me £552 per year.

Step #9 — Get cash back for shopping.

It may seem counterintuitive to shop when you’re trying to save money, but for items you really need to buy, why not get cash back for buying them? Topcashback.co.uk offers money back for shopping both online and in-store. It’s free to join and offered worldwide. Just search for your desired retailer through their website and shop like you normally would. The retailer pays TopCashback a commission for your purchase that you can withdraw when it is available.

Step #10 — Take advantage of new checking account offers.

Lots of banks try to get new customers in the door by offering bonuses for opening new accounts, and even more for having your payslip direct deposited. Consider keeping your old account open as strictly a savings account, as long the bank doesn’t charge any fees.

Stressing about money can really take a toll on you. So before saying no to any of the above tips, simply give them a try. Put an end to debt for good and reward yourself once in a while as you make progress. After all, a massage feels much better knowing you’ve earned it!

My Top Pick

Get £1 For Free to Sign-Up

Join Inbox Pounds For Free

Learn More

Do you find yourself having to pass on happy hour with your mates because your wallet is empty? Are you short on cash and but don’t have time for a second job? Or are you trying to finally save up for a place of your own? You’re not alone. According to a recent study, about 25 per cent of British adults have no savings. If you find yourself low on cash and are wondering what you can do to get out of the debt hole, have hope.

These 10 tips can help you gradually put some more cash in your wallet and start saving today, without the need to get a second job or even leave your flat.

Step #1 — Dating? Stop trying to impress with your wallet.

If you date regularly and are too old-fashioned or chivalrous to make your date pay her way, you could be spending hundreds of pounds per month on someone who isn’t worth your time. Try going out for coffee first to see if you click before committing to a dinner date. If you do find someone you like after a few dates, let her pay once in a while if she pulls out her purse and offers.

Step #2 — Take online surveys.

If you’re sitting in front of the telly mindlessly watching something, why not pull out your smartphone or laptop and take some short surveys? Whether in the form of cash, gift vouchers or free products to test, it pays to get something for nothing by simply sharing your opinion.

My favourite survey site is InboxPounds. They pay you £8 for every 30 minutes of watching videos and taking surveys, and they’ve paid out roughly £40,000,000

to date worldwide, so they know what they’re doing. And, the surveys are actually interesting!

Step #3 — Sell your smartphone pics.

You’ve likely got your smartphone on you most of the time anyway, so why not start making extra money by simply taking notice of what’s going on in the world around you. An app called Foap wants your quality photos and will split the profits with you for any picture sold. So, if someone buys your pic for £10, you’ll get £5 each time it sells.

Step #4 — Have credit card balances? Shop around for lower interest rates.

If you’re only paying the minimum balance when your credit card payment is due, it’s difficult to get out of debt as the interest continues to build. Try shopping around for a card with a lower interest rate, and transfer your balance to that card. Some cards even offer promotional rates where you pay no interest for a specific period. So if you have £10,000 in credit card debt and are paying a 16% annual percentage rate, you could save £133 per month during the promotional period.

Step #5 — Switch car insurance companies.

Car insurance is one of those expenses that most people dread paying, simply because unless you get in a crash and really need it, there’s an intangible reward for having it. And wouldn’t you rather spend that money on a salon visit or new pair of shoes? What’s worse is that car insurance companies make most of their money by taking advantage of their loyal clients. If you don’t shop around when renewal time rolls around, they’ll likely raise your rates. The good thing is that it’s easy to compare prices online. A quick 10 minutes saved me £552 per year. 

Step #6 – Be smart about happy hour.

After a long workday, a couple of pints at the pub with your mates can really take the stress of the day away. But when a couple of pints turns into a couple dozen, and you can’t remember where your money went in the morning, it’s time to get smarter about happy hour. Give yourself a limit and be disciplined about it. Head home before that one mate who never pays for a round shows up.

Step #7—Charged a late fee? Ask for a one-time courtesy refund.

You would be surprised as to how easy it can be to get a fee waived once you muster up the courage to simply ask. Realize that they’ll probably only do this once a year, but it’s better than losing you as a client. If you’re habitually late only because you forgot to pay, consider setting automatic payments so you don’t get charged late fees again.

Step #8—Get paid for searching online.

Next time you need to search for something online, skip Google and instead use InboxPounds. Yes, on top of getting paid for surveys, you can also get paid for searching on InboxPounds. And you’ll get a £1 bonus just for trying it.

Step #9—Get cash back for shopping.

It may seem counterintuitive to shop when you’re trying to save money, but for items you really need to buy, why not get cash back for buying them? Topcashback.co.uk offers money back for shopping both online and in-store. It’s free to join and offered worldwide. Just search for your desired retailer through their website and shop like you normally would. The retailer pays TopCashback a commission for your purchase, and then forwards part of it to you in the form of cash that you can withdraw however you like.

Step #10 – Take advantage of new checking account offers.

Lots of banks try to get new customers in the door by offering bonuses for opening new accounts, and even more for having your payslip direct deposited. Consider keeping your old account open as strictly a savings account, as long the bank doesn’t charge any fees, and watch the money grow.

Before saying no to any of the above tips, simply give them a try. Stressing about money can really take a toll on you, so put an end to debt for good and reward yourself once in a while as you make progress. After all, that new flat screen you’ve had your eye on for months will look so much better if you know you’ve earned it.

My Top Pick

Get £1 For Free to Sign-Up

Join Inbox Pounds For Free

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If you wish to become a billionaire one day, it is time to start emulating the steps of a billionaire now. Making money is merely a part of what makes an individual exceptionally wealthy.

It depends more on how you think about money, how you approach investing, and what are your ultimate goals. In the final analysis, these elements differentiate between average success and super-success.

Here are seven proven ways to emulate the footsteps of a billionaire and achieve extraordinary wealth and abundance.

1. Bet on Innovation

Billionaires around the world are putting their money behind firms that are innovation-driven, and are transforming the way we live and do business. Today, billionaires who have been running traditional businesses for decades employ about 3 million people.

On the other hand, new and upcoming billionaires who own and run technology-driven enterprises are already employing more than 2.7 million employees worldwide, and will soon surpass the traditional segment.

2. Spend Time on Networking

Billionaires invest a lot of time in engaging and networking with like-minded individuals and groups when it comes to doing business, investing, and working for social causes.

For instance, friendship between the world’s top two billionaires, Warren Buffett and Bill Gates, has resulted in massive philanthropic endeavors but they have also supported policies that have caused 9-11, supported Obamacare which destroyed lives and put millions out of work, supported higher minimum wages laws that have devastated small businesses, and supported the same people such as Barney Frank who caused the real estate crisis.

There is two sides to this coin. But, networking effectively can be very beneficial nonetheless.

Some of the world’s most influential billionaires, including Jeff Bezos, Mark Zuckerberg, and Bill Gates have joined hands to solve the planet’s energy problems through their fund called Breakthrough Ventures. That is wonderful but under Obama, whom they supported, energy prices went up for most Americans while their taxes were also raised and their doctor was taken from them.

We need to have more than good intentions in this world and fracking has been a Godsend. Though these incredibly successful people are amazing at networking.

3. Follow Your Heart while Investing

Among the world’s 200 leading art collectors, as many as 72 are billionaires. Billionaires also own more than 140 of the top sports franchises worldwide. This includes two-third of the NBA and over 50 percent of the English Premier League.

UBS Wealth Management’s chief of private wealth management in the US, John Matthews, says that billionaires invest in their passions, whether it is sports, arts, or other areas. In addition to produce dramatic returns on such investments, they are able to touch communities and make an impact through these pursuits.

4. Keep Your Cool in a Volatile Market

Warren Buffett often recommends that do not get obsessed with watching market fluctuations on a daily basis. Invest in solid businesses that are in the game for the long haul, and resist the temptation to get swayed by sudden, violent, or temporary market shocks and speculative trends. And because of tax cuts which he did not support, a lot more people have money to invest.

Billionaire Ray Dalio, founder of Bridgewater Associates agrees with Buffett on this point. While addressing an audience at the Harvard Kennedy School, Dalio said that you should buy when you are worried, and sell when you are confident.

Dalio suggests that the best way to invest is not to predict everyday market trends and maintain a level head despite them.

5. Be Generous while Giving

Individuals who aspire to become billionaires are not the ones who will sit quietly when the check arrives at the table. They will happily reach for it. They do not wait for organizations in need to ask for support. They identify causes and offer generous support.

More than 160 of the world’s eminent billionaires and ultra-rich families have committed to “The Giving Pledge.” According to analysts, these super-rich people utilize their philanthropic networks to gather new ideas on wealth creation and deploying that wealth to bring positive change.

6. Listen to Your Advisers

Billionaires do not believe that they are all-knowing. In fact, the most successful among them surround themselves with a trusted group of advisers and actively listen and discuss their plans and strategies.

Choose honest advisers who are not afraid to lose their job if they speak the truth. Pay attention to their advice because they are detached and unemotional about an investing decision that may be close to your heart or an idea you have nurtured for long.

7. Minimize the Noise

In the age of Google, social media, and television networks, there is plenty of noise out there. New theories, forecasts, and speculations are generated each day, which can cause chaos in your mind if you are getting too involved in that noise.

Reduce the clutter from your mind, focus on few specific ideas, choose to converse with smart people who have clarity, be wary of those who are perennial naysayers or overzealous optimists, and you will be able to make better decisions every day.

It seems like you can’t get away from having a smartphone these days. Everything you do, everything you come across, there’s an app for that. It’s our encyclopedia, email, camera, calculator, and social connection all wrapped into one. It’s a blessing and a curse at the same time and we’re always on it.

And is it just me or does it seem like your cell phone bill steadily continues to get higher and higher each month? My last bill was over $125 – and that’s only for one phone line. That’s crazy considering it was only $95 a few 6 months ago when I got it!

I’ve been searching for a cheaper plan that still has everything I need for a while now and to be honest, most aren’t all that great. But, I just came across a company called SurgePhone that is offering one month free, and then only $20/month after that. And this is for an unlimited plan!

Crazy, right? Here’s what I found…

SurgePhone – How Does it work?
SurgePhone is a prepaid wireless service – you sign up and select your plan online. They send you a SIM card, you insert the SIM card into your existing device, activate and VOILA! Their service uses one of the major carriers’ wireless tower networks throughout the United States. This means you’re getting the same service as you are when paying nearly 6 times the rate with one of the major carriers. And I haven’t been able to find a negative review of the company anywhere!

They’re currently offering their  unlimited wireless service starter kit for only $2.99, no contracts, no hidden fees, no surprises. Here’s what you get:

• SIM Card: micro & nano sizes
• Unlimited text
• 2GB of 4G LTE data per month
• 25 hours of talk
• 1st month free!

After your first free month, you pay only $20/month (originally $59!).

Existing Device? So I Don’t Have To Buy a New Phone?
Already have a phone you love? If you have an unlocked LTE-compatible phone already, that can be used at any major mobile carrier (AT&T, T-Mobile, Verizon, or any other GSM carrier) – and it accepts SIM cards, then you can use it at SurgePhone! Gone are the days of paying $900 outright, or even $50/month for a new phone. Use the phone you already have and put that extra money back in your pocket!

If you don’t have an unlocked compatible phone, or you simply just want a new one, no problem – you can buy one directly from them!

Should I Make the Switch?
Well that’s up to you, but this is a great alternative to the current carriers that we see in the cell phone space right now, and a great way to save some cold hard cash. At the end of the day, SurgePhone could save you money on your cell phone bill – over $1200/year! That’s money that can go directly into your savings account.

If you’re thinking about making the switch, check out  the special $2.99 and one month free offer on the unlimited starter kit here.

Act fast! Offer expires 9/30/18.

Surge Wireless Unlimited Plan

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Everyone likes to spend, but when it comes to saving, not everyone is good at it. Americans are among the world’s worst savers.

From low income to mortgages to student loans to credit card debt, factors like these never let us save enough for emergencies or even for a retirement fund.

But there’s a large number of people who cannot save because of overspending. Maybe they like fine dining a little too much, or cannot live without designer perfumes, or feel conscious about driving anything less than a brand new car (everyone wants to be like the Johnsons!). At the end of the day, they realize there’s not a penny in their savings account. Alan Harper from Two in a Half Men knows all about that!

Some people are smart at saving. It isn’t like they are blessed with superpowers (you will not see them in Deadpool 3!) – they are just careful and efficient with money. If you want to be good at saving money, try following these tips that effective savers live by.

Automate it

Taking out money manually from an account and putting it to savings can often be difficult, because you think there were better things you could do with that money. That is why smart people automate this process.

All you have to do is automate the transfer of a part of your income to a savings account. If you get cash back on your credit card/s, make sure to automatically transfer them into the savings account as well.

By automating your savings, you not only get to grow your savings at a consistent pace, but also never have to feel bad about manually moving money from one account to another.

Pick the right strategy

The right savings strategy isn’t one size fits all. Just like income and expenditure varies from one person to another, the proper way to save is also different. What works for your neighbor may not work for you.

That is why, instead of blindly following someone else’s savings strategy, try to devise a strategy that’s fit for your lifestyle and income.

This involves taking your income and expenditure into consideration and then coming up with a strategy that you will be able to stick to. You may also utilize the help of online tools to come up with the right savings strategy.

Create goals

Effective savers don’t just create strategies; they create goals. When you have a goal for saving money, it brings excitement and joy into the process. Kind of like experiencing tax cuts which all workers know is awesome!

For instance, you may want to save money for buying a new house or your child’s college fund. If you have no goal to work towards, you will quickly lose interest in saving, rendering the whole process ineffective. You don’t want to be a failure like Chicago, Baltimore, Oakland, Greece, and so on. Money does not grow on trees and wasting money on irrational ideas does not make any sense.

Prioritize goals

Creating goals isn’t enough; you must also prioritize your goals. For instance, is taking an international vacation more important that buying a house? Does saving for a retirement fund come first or does saving for your son’s college education? Prioritizing goals will help you reach your financial objectives.

Don’t be like Peter La Fleur in the first half of Dodgeball – organize yourself and focus!

Make the most of your savings

Don’t just let the money sit in the savings account. Invest it wisely to get greater returns. If you don’t know much about investments, take the safer route and invest in notes and bonds backed by the government.

You can also leave some of your money in your savings account and invest some in a trusted, reputed program for some decent monthly or yearly returns.

Slowly reduce expenses

It isn’t necessary to change all habits or reduce all expenses at once. Instead of eating out five times a week, reduce it to two times a week, eventually bringing it down to once a week. By taking it slow, it is possible to cut down on unnecessary expenses and save more.

Stick to a routine

Consistency is key when trying to get better at saving. Making lists of wants and needs, necessary and unnecessary expenses, and slowly cutting down on them is the way to start.

But it will only be effective when you stick to it. Sticking to the routine for six months, and spending freely for the rest of the year isn’t going to get you anywhere. For best results, make a routine that you can follow and stick to it. Don’t be like Norm from Cheers who had no focus in life.

Saving money doesn’t have to be a burden. By following these habits of successful savers, you too can reduce expenses and have your savings account jingling.