Money is tight for so many individuals and families at the moment. Every season brings its own expenditure items and many of us are thinking about our Summer holiday right now.

holiday

My dad was a very wise man. One of his key bits of life advice was that you should always take a summer holiday no matter how much money you have in the bank. He knew that holidays turn into memories that can sustain us in the most challenging of times. Now I am older, I will share my advice which is life for all of us is a series of ups and downs so we need everything to get us through the harder periods. Holidays help a lot not just at the time but in the coming weeks, months and years.

Here are my top tips for saving money whilst still ensuring a happy Summer holiday.

Travel

Consider different ways of getting to your destination. Which is the most-effective? Why just go ahead and use your usual mode of transport without checking fuel prices, fares and even things like car sharing schemes? Are you happy to go for no frills flights or rail journeys to save money? Can you book well in advance which often means cheaper tickets? Is it worth considering an indirect flight? Be travel savvy!

Accommodation

You can make magical memories anywhere so don’t rule out things like a camping or caravan break. Youth hostels are also an option which too many people think is only for the young. If you are looking for hotel accommodation, check out some striking deals.

Food and drink

It is all too easy to over-spend on food and drink on holidays. Research can help particularly if you are going overseas. Find out whether you will be better off self-catering some or all of the time. Eating out in Europe and other destinations can be much cheaper than in the UK in my experience. Rather than worry about it all on holiday, get food and drink savvy before you go. Also remember that you can make great memories with a simple picnic.

Negotiate and shop around

There are some great money savers out there who negotiate on every transaction. Sometimes companies even expect this so it is worth a try particularly if you are booking late as many travel and accommodation providers will offer reduced prices rather than make no money at all.

Shop around because you might find that really can save you a lot of money. Falling for the first clever marketing offer is not the way to go when planning a holiday. Look at the slick words and images and then shop around to see if you can get something the same or markedly similar for a cheaper price elsewhere.

Prepare for emergencies

We all hope we won’t encounter an emergency on holiday. Make sure you have appropriate insurances in place just in case. Have some contingency money set aside. Ensure you know the basic driving and other relevant laws in the country you are visiting to avoid costly fines.

My Dad always used to research our holidays in detail and as I have got older, I realise that is because he was money savvy. He would always choose a hotel one street back from the beach rather than pay a premium for a sea view knowing we could walk to see the sea easily enough. It really is about checking every item of expenditure (including cash point withdrawals and mobile phone costs) in advance and working out how to cut costs.

Happy holidays and please do leave a comment with your top money-saving tips when it comes to Summer holidays.

Top Tips For Saving Money On Your Summer Holiday

 

 

ethannevelyn.com
My Random Musings
3 Little Buttons

Liverpool is a city with a strong history and a great culture. I used to visit the city with my Dad when he was working there and also once with a female friend who lived in nearby Chester. Later, I had to go to deliver training sessions in my own career.

However, it is one of those cities where I feel I have not really got to know it as well as I would like.

So for my next visit to the North West, I am going to research what to do in Liverpool One and have actually already made a start. The challenge is that there are so many fascinating events that I may need to keep going back for more.

Storytelling

As a writer I love anything that celebrates the power of the written word. Liverpool are putting  on a great event including book swaps, celebrity appearances. book reviews and competitions. Magic will be created with the reading trees so this is something that will appeal to all the family.

Accessible exercise

Our family is not the most sporty one in the world so exercise needs to be fun and easy to do. Greenbank Sports Academy is a centre of excellence in physical education, sport and recreation that is owned and run by disabled people. They are putting on special table tennis sessions and I reckon ever I could manage this fun way to add some movement to our Liverpool trip.

Art

I have always loved visiting art galleries. It is one of those things that somehow has disappeared from my life since becoming a parent. I want to get back to this lovely pastime and to take my daughter who is such an artist herself. The Tate Liverpool is on the Albert Dock so in a lovely location as well as giving us a chance to stop and stare at the works of famous artists.

Going crazy!

I have always loved crazy golf and it equally popular with all my family. I have so many fond memories of games by the sea and at Butlins. So I will head to Jungle Rumble Adventure Golf. It sounds superb with promises of a jungle swamp and a live volcano!

Food and drink

I love finding quirky eateries and Liverpool has so many to choose from. I plan for my trips to be active ones so we will need regular refuelling. I really fancy trying some Japanese food at Yo! Sushi where there is a conveyor belt allowing you to pick what you fancy. The restaurant chain is also the only one in the UK to serve Japanese Seabass.

Have you visited Liverpool? What did you enjoy most about the city?

 

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The Pramshed

Lookers, Motability dealers, have created just what us busy parents are looking for. They have devised some fun and creative ideas to maximise magical memory-making during your car journey. I’m all for anything that makes family car journeys less stressful.

As a child, I am sure I always behaved well in the car. In fact, I remember being shocked at the behaviour of my friends in the car when I travelled with their parents to events. I just don’t see the need to be bouncing around. Perhaps I was a boring child or maybe my Dad as a former police officer had made it clear to me what could go wrong when drivers are distracted

With my own children sibling quarrels are the worst thing at home or in the car. Apart from that they are pretty good and especially now they are that bit older.

As technology is so big a part of our lives today, it always good to have some traditional alternatives at the ready for trips in the car. Perhaps the below may be of use for you to use throughout your next family journey/

Hungry child?

Nobody is happy when they’re hungry and a young tot can panic when those hunger pangs strike. To preventing a tantrum wrecking your day out, keep a cool box in the front seat and pack this with a range of delicious, potentially healthy snacks, with a mix of drinks and treats. This is always a good way to keep the kids happy and if you inject new treats for them, that is also a great distraction technique.

Pack Wisely.

A good way of keeping your children occupied, is by keeping a bag full of all of their favourite things. This may include a range of items, such as books, colouring in items, pens and cuddly toys. With endless possibilities, your children will be spoilt for choice of what they can do!

Fancy a good read?

An audio book can entertain children of different ages and yourself. We used to do this a lot and should get back to the habit. It’s an easy way to learn without realising it and to stimulate children’s imaginations.

Preparing games!

When driving, there are an endless range of games to play with your children… One of which could potentially be “Yellow car”, in which you find as many yellow cars as possible. Why not switch this up and do it with your favourite colour? ‘Back seat bingo’ is also a popular one, in which you draw a grid for each player before setting off, and fill the squares with sites that you must tick off. So if you have a big drive planned, do some research of retro games that have stood the test of time.

I hope I’ve given you some tips to beat boredom during drives with your children.

How do you currently entertain your children on car journeys?

Cuddle Fairy

The ABTA Holiday Habits report 2017 stated that the number of people travelling abroad on holiday increased from 55% to a high of 57%. As travelling becomes more of a lifestyle necessity than a luxury, we’ve teamed up with TRUE Solicitors LLP, accident at work claims specialists, to investigate whether Brits are taking out insurance before jetting off, what their insurance actually covers and how certain aspects of their behaviors can actually invalidate their claims.

Are people insuring themselves before they board the plane?

According to ABTA, in the 12 months leading up to May 2017, a total of 25% of holidaymakers weren’t insured on their trip, up by 3% on May 2016’s results. However, this differed between age ranges but was commonly problematic among young people travelling abroad.

Results from May 2016 found that 31% of 18-24-year-olds weren’t insured when they went abroad. This figure increased by 9% in the following year. 25-34-year-olds were also guilty of this risky move, with 31% of jet-setters not insured in 2016 — growing to 38% in 2017.

The only age bracket to show a positive decrease from 2016 to 2017 was 35-44-year-olds. However, this drop was marginal, down to 25% from 26%. For people aged 45-54, 20% of travelers weren’t insured for their trip in 2016, a figure that grew by 3% in 2017. Those aged 55 and over remained the same over the two years, with just 14% not taking out insurance before their trip.

For those who travelled without insurance, 36% said that they didn’t think that they needed it. Although refusing to buy insurance will have short-term financial benefits, the savings made don’t compare to the detrimental financial situation you could be in if something was to go wrong abroad. Despite this, 22% said that it was a risk they were willing to take.

Lots of people wrongly assume that when they’re travelling in Europe, they don’t need insurance because they have an European Health Insurance Card (EHIC). However, this is not the case, as EHIC is only valid for medical necessities within the European Union and the European Economic Area (EEA) in state hospitals. It has been advised by the Foreign and Commonwealth Office that all people wishing to travel outside of their country should also have comprehensive travel insurance as this will likely cover repatriation in the case of a medical emergency.

With Britain soon set to leave the European Union after the Brexit vote, it is unclear what will happen in terms of the EHIC. What we do know is that those who are officially living abroad — whether this is to work or study on the day the UK officially leaves the EU — their card will continue to prove eligibility for the same state-funded healthcare as the citizens of the country receive.

What you should know about travel insurance

Insurance is all about covering the unpredictable events that may occur before your holiday or when you finally reach your destination. It’s important that you purchase your insurance as soon as you book your holiday, as it can cover potential cancellations and pre-trip illnesses — it’s a small financial decision that can save you a fortune in the long run.

It’s important that you analyse the policies that come with any travel insurance you purchase, as different companies will offer different levels of coverage. It is unlikely that they will cover high-risk activities. It’s important to consider what type of holiday you’re going on — if it’s active like skiing, you must inform your insurer to get the best cover.

Pay attention to the small print too. For example, if you’ve consumed alcohol and need medical attention some insurance companies will reject your claim — in extreme cases, they could seek out court rulings and will supply the court with medical records that say you had alcohol in your blood. It’s important to remember that in hot countries, your body will absorb alcohol more easily too.

If you have something stolen from you when you’re abroad, you must have substantial evidence that will back your claims. So once reported to the police, you must ensure that you receive a copy of the police report so that can prove your loss — within 24 hours too. Many companies will reject your claim if the items that have been stolen are left unattended in your room and you haven’t used the hotel’s safe.

Another worrying factor that you should be aware of before travelling is that if your travel company was to go out of business, you would not be covered. However, when it comes to the airline going out of business, you may be covered but could be required to pay an extra premium.

Only in exceptional circumstances may insurance companies waiver the decision to cover terrorism or natural disasters such as earthquakes, tsunamis and lightning strikes.

Most common injuries to occur abroad

Research has suggested that 74-80% deaths abroad are caused from natural circumstances like heart attacks. However, the same source found that 18-24% occur due to accidents and 2% from infectious diseases. Two thirds of holidaymakers worry about getting sick when they’re away, but it’s inevitable when results show that one in 20 trips can include sickness or injury.Slips, trips and falls are some of the most common causes of injuries when holidaying abroad and this is sometimes caused by uneven carpets or flooring that has not been properly maintained. Take note of signs to ensure you’re not at risk of injury through slippery or uneven floors.

As we drive on the left here in the UK, facing foreign roads can sometimes be a challenge and leave us confused at times. You might be trying to follow directions or the GPS on your phone — but you must stay alert and not get distracted to avoid any type of road traffic accident.

Of course, you want to have fun when you’re on holiday and you don’t want to miss out on any sport excursions. If you have concerns, you must ask the organisers as high risk activities can invalidate any insurance policies if you’re not properly protected.

The cost of such injuries can be excessive too, with the average medical claim costing £914. However, for 65-74-year olds, this cost increases to £971.63. One example provided by the FCO stated that one stomach bug infection that was treated in a Californian hospital cost £100,000, including return flights back home.

48% of people don’t realise that without travel insurance, they’d have to pay for their own medical bills when they’re abroad. 78% said that they wouldn’t be able to pay just £10,000 to cover the costs that could present themselves.

All in all, it’s vital for people to take out the right insurance policy for their needs when they travel abroad and fully understand what they are and aren’t covered for. With Brexit just around the corner, and the fate of the EHIC unknown, will we see an increase in the number of people taking out insurance?

Sources:

https://www.worldwideinsure.com/travel-blog/wp-content/uploads/2014/06/Travel_insurance_facts_infographic_9267747559.jpg

https://www.moneysavingexpert.com/news/travel/2017/06/16-things-about-travel-insurance-they-dont-tell-you

https://betravelwise.com/10-interesting-maybe-random-travel-safety-statistics/

https://www.theguardian.com/money/2016/may/15/travel-insurance-holiday-europe

https://www.telegraph.co.uk/travel/advice/alcohol-consumption-invalidate-travel-insurance/

https://www.dailystar.co.uk/news/latest-news/671569/Skiing-British-skiers-drunk-alcohol-apres-ski-accident-serious-injury-risk

https://www.ons.gov.uk/peoplepopulationandcommunity/leisureandtourism/articles/traveltrends/2016

http://www.thisismoney.co.uk/money/bills/article-4596054/Could-slash-cost-summer-holiday.html

https://abta.com/about-us/press/two-in-five-millennials-travelling-abroad-uninsured

https://abta.com/assets/uploads/general/Holiday_Habits_Report_2017.pdf

http://www.bbc.co.uk/news/uk-politics-eu-referendum-41125931

https://www.benenden.co.uk/be-healthy/lifestyle/the-five-most-common-types-of-accidents-on-holiday-and-how-to-avoid-them/

 

Cuddle Fairy

Whether you are travelling alone, with your bestie, or with family members, you will be amazed at all the activity to do and site to see in Frankfurt. In fact, it is a genuinely historic and cultural city that has someone for everyone. Keep reading for find out more.

Foodies

Gastronomes will not be disappointed when visiting the city of Frankfurt. In fact, they will find a variable plethora of cuisines from traditional German fare, as well as dishes local to the Frankfurt region such as cheese with music. Named for the gaseous effect, it can cause after eating! There are also many modern international restaurants including American themed and Japanese themed ones that are worth trying out as well.

There is also a fabulous market of Kleinmarkthalle that is definitely worth a look, especially as it crammed full of local and delicious food such as bread and cheese. Both foodstuffs that the Germans are known to be expert at.

If you are looking for a more sit down meal where you can languish over your food and catch w=up with friends, then the Main Tower Restaurant is a great choice, and the views from the 53rd floor are stunning! Then there’s also Ramen Muku if you are looking for something more exotic, and Seven Swans who serve the most delicious Michelin starred vegetarian food.

Horticulturalists

Like plants? Great! Then Frankfurt is the place for you! This city has a range of large and spacious public parks such as Bethmann Park where you will find a Chinese garden with a waterfall as well as some beautiful exotic and Asian horticulture.

Then there is the fabulous Palm Garden located in Siesmayerstraße. There you will find such delights as the beautiful rhododendron garden, an underwater garden grotto, and the palm house itself. If you can, try and make it during June when the famous the Rose and Light Festival runs.

If you are looking for accommodation, then there are plenty of places including apartments to rent and hotels available in central Frankfurt. Although, many people choose to head out of the city and stay in places like Courtyard Wiesbaden-Nordenstadt instead. The reason being that accommodation in such satellite towns is great value, and it is incredibly easy to get back into the centre for any sightseeing you need to do.

Kids and families

Next, if you are Frankfurt with the kids in tow, you certainly won’t be disappointed by the activities on offer either. First, why not open their mind with a quick trip to the Experiminta Science Centre that is full of interactive games and displays that will keep them off their phones for at least a while.

Then there is the awesome forest playground at the Goethe Tower. An excellent incentive to tempt the kids with if you want to visit surrounding area beforehand.

Lastly, there is the stunning Shrin building which is surprising child-friendly for a museum of modern art! In fact, they even do hand-puppet tours of the exhibition for the little ones, as well as provide a chance for the kids to get creative and do their own paintings as well.

At the Shrin they even run special events in the afternoon that are designed to be especially family friendly. A fact that truly proves Frankfurt is a city that has something for everyone!

Fabulous Frankfurt

ethannevelyn.com