Summer Vacation Planning Tips

Summer 2017 is quickly approaching and if you haven’t already, it’s time to start planning that family trip you know you deserve. While planning a summer vacation is super exciting, the thought of spending all your hard-earned money isn’t too fun to think about. That’s where a spending plan comes in. Follow these tips to plan a great summer vacation without breaking your bank!

Do Your Research
The first step you should take in building a spending plan is research destination options to get a feel for how much you’ll spend in each place. Some things to take into consideration are the flight prices, average hotel rate in the city, transportation costs beyond your flight, activity costs, and average meal costs.

Be Realistic about Your Timeline
If you have your heart set on an extravagant summer vacation and the spending plan isn’t coming together smoothly, you might need to consider one of two things: 1) eliminate spending in other areas of your life to add more cash to your vacation costs, OR 2) plan a smaller vacation this summer and continue saving for the dream vacation next summer when you’ve had more time to build your vacation fund.

Set Up a Vacation Savings Account
One mistake many people make is keeping their vacation cash in their checking account or physically in their home. This makes the money too easily accessible, and it may become tempting to spend the money on other things. The best solution is to open a separate savings account specifically for your vacation money. Setting up this account with an online bank will allow you to earn a higher interest rate. You should also consider automating your savings to make sure you’re putting some money in the account every paycheck.

Once on Vacation, Know the Local Deals
While your vacation fund may limit how much you can spend, it doesn’t need to prevent you from having a wonderful time and experiencing new things in your destination city. If you take advantage of local resources, it will allow you to do more without breaking your budget. A great way to stay informed about local deals is by signing up for local deal newsletters such as Groupon, Living Social, or Amazon Local Deals in your destination city.

Stick to the Plan
​While on vacation, your bank’s mobile banking app is a great resource to have on your smartphone. When you’re constantly swiping your debit card for meals, attractions, or souvenirs, these charges can add up quickly and it’s easy to lose track of exactly how much you’re spending. Mobile banking is a great way to keep track of your spending plan while on the go. It lets you transfer funds, locate ATMs, and constantly check your balance. If you load your summer vacation funds onto a prepaid debit card, you can avoid overspending altogether.

Remember, you deserve a break this summer! Keep these vacation spending plan tips in mind and you’ll happily find your balance between an unforgettable yet affordable summer trip. Enjoy!

See more at: http://www.tardus.com

Summer Vacation Planning Tips

Summer 2017 is quickly approaching and if you haven’t already, it’s time to start planning that family trip you know you deserve. While planning a summer vacation is super exciting, the thought of spending all your hard-earned money isn’t too fun to think about. That’s where a spending plan comes in. Follow these tips to plan a great summer vacation without breaking your bank!

Do Your Research
The first step you should take in building a spending plan is research destination options to get a feel for how much you’ll spend in each place. Some things to take into consideration are the flight prices, average hotel rate in the city, transportation costs beyond your flight, activity costs, and average meal costs.

Be Realistic about Your Timeline
If you have your heart set on an extravagant summer vacation and the spending plan isn’t coming together smoothly, you might need to consider one of two things: 1) eliminate spending in other areas of your life to add more cash to your vacation costs, OR 2) plan a smaller vacation this summer and continue saving for the dream vacation next summer when you’ve had more time to build your vacation fund.

Set Up a Vacation Savings Account
One mistake many people make is keeping their vacation cash in their checking account or physically in their home. This makes the money too easily accessible, and it may become tempting to spend the money on other things. The best solution is to open a separate savings account specifically for your vacation money. Setting up this account with an online bank will allow you to earn a higher interest rate. You should also consider automating your savings to make sure you’re putting some money in the account every paycheck.

Once on Vacation, Know the Local Deals
While your vacation fund may limit how much you can spend, it doesn’t need to prevent you from having a wonderful time and experiencing new things in your destination city. If you take advantage of local resources, it will allow you to do more without breaking your budget. A great way to stay informed about local deals is by signing up for local deal newsletters such as Groupon, Living Social, or Amazon Local Deals in your destination city.

Stick to the Plan
​While on vacation, your bank’s mobile banking app is a great resource to have on your smartphone. When you’re constantly swiping your debit card for meals, attractions, or souvenirs, these charges can add up quickly and it’s easy to lose track of exactly how much you’re spending. Mobile banking is a great way to keep track of your spending plan while on the go. It lets you transfer funds, locate ATMs, and constantly check your balance. If you load your summer vacation funds onto a prepaid debit card, you can avoid overspending altogether.

Remember, you deserve a break this summer! Keep these vacation spending plan tips in mind and you’ll happily find your balance between an unforgettable yet affordable summer trip. Enjoy!

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Teaching Children Financial Success

As an adult, you know the true value of a dollar. When you work hard everyday for your money, you learn just how much a dollar is worth. Having a good relationship with money, and being a smart spender are important life skills. As a parent, one of the best gifts you could give your children is the opportunity to develop their own smart relationship with money. Parents who give their kids control over a portion of their money and guide them in their decision-making raise children who are better prepared for the real world. Teaching kids about finances is best done through experience.

Here are some ways to use your children’s summer vacation from school to set them up for future financial success:

1. Start early 
It’s important to begin the financial discussions early in your child’s life. You should begin discussing money with your children by the age of 5 or 6. Money is a complex concept, so starting young will allow your child to develop a deep understand as they grow older. When your child is young, focus on teaching the basics such as the fact that things cost money and how that money is made and handled. It’s not a bad idea to open a simple savings account in your child’s name that they can begin learning to use and get real life financial experience.

2. Encourage your child to make their own money 
With summertime here, it’s the perfect opportunity for teens to make money. During the school year, children have very limited hours to dedicate towards working, but the summer break gives them the time and freedom to earn their own money. Begin discussing possible summer jobs with your child months in advance to allow them time to search for a job that excites them and go through the hiring process. And if they aren’t finding a job that inspires them – create one! The teen years can be a great time to experiment with entrepreneurship, from lemonade stands to landscaping services and more.

3. Give up control 
As a parent, it’s difficult to give up control as you always want to protect your child; but it’s important to let your kids do things themselves. Let them make bank deposits and withdrawals in their own account (with your help, of course). Let them make their own purchases with the money they have - whether it’s birthday money, babysitting money, or money they’ve earned through chores or a part-time job. As a parent, offer advice, but ultimately let them decide what they want to spend their money on. This is a safe way to learning through guided experience.

4. Let them make mistakes 
Letting your kid make mistakes is a crucial part of teaching them. Even if you think (or know) your child is spending their money on the wrong things, let them do it. They will learn from their mistake, and then you can have a discussion about it. This is another way children will learn through experience. 

5. Set limits and provide structure 
While you’re giving up some control and letting your children make their own mistakes, you still want to set limits. This will ensure that their mistakes are limited to small scale lessons. Last but not least, provide structure with your financial lessons. Structure will help your child establish a strong and consistent saving and spending plan.

There is no time like the present to lay the groundwork for financial success. We’d love to hear what other tips you’ve used with your children that helped them get on their way to being financially responsible! 

See more at : http://www.tardus.com/

WRC Live May Event

 

What could an extra $500 to $1,000 per month do for your Income Snowball? The answer is a lot!

 Join us this Thursday May 25th at 6:30pm (Hawaii) for our next Wealth Revolution Competition. Our very own Chief Wealth Coach, Tanisha Souza, will be sharing instant cash flow strategies.

The event will cover the following:

• Learn the quickest ways to add hundreds of dollars to your monthly paychecks without working more
• Find out how to turn your liabilities into assets
• Discover the number one thing you must have to create unlimited cash flow
• Methods to stop wasting money without financial dieting

That is just the beginning! Tanisha will share insights and advice from her own personal experiences and you’ll walk away ready to create instant cash flow immediately!

You don’t want to miss is!

There is still time to register! Secure your spot here.

Can’t make the event? No problem! Join us LIVE on Facebook. 

          For More Info:  How to get more monthly cash flow 

Coach's Corner

Your Name Here

If you’ve been receiving our Wealth Revolution Magazine for the last year, you’ve seen how much our coaches LOVE what they do as we tell their story right here on this very page. Our coaches corner is one of our readers’ favorite sections as they get to know a little more about the Tardus family each month. But now our family is growing…


While you don’t need to have graduated with a degree in finance to be able to teach the Tardus strategies and help people apply them, we are looking for people with pertinent life experience that will give them an edge in working with our clients.

The job has many perks: flexibility in where and when you work, many opportunities for travel, ongoing training no matter how long you are a coach with us – we are still learning more and will always pass that knowledge on to you, incentives and competitive compensation…

And the best perk of all?! You can implement the Income Snowball for yourself with remarkable success!

If you are interested in what a job at Tardus is like, please reach out to us. We’d love to chat about how you can get started!

Email: hiring@tardus.com
Phone: 808-440-0688

                                         For More Info:  http://www.tardus.com/

Become Our Next Success Story

Wayne discusses the value he has received from using the wealth building strategies from Tardus in terms of increasing his cash flow, reducing his debt and retiring.

About Us

Getting its start in 1999 as a personal journey of success for Tanisha and Chris Souza, Tardus has brought its patented wealth system to life, further transforming into a wealth coaching revolution.

Tardus wealth coaches combine the passion for helping people become millionaires with the cutting-edge systems that guarantee financial success!

                                     For More Info: Real Estate Investing System

Contact us on :

Tardus Wealth Strategies
Topa Financial Center
700 Bishop Street, Suite 501
Honolulu, HI 96813

Phone: (808) 440-0688
Fax: (808) 440-0689

Small Businesses... Chock-Full of Optimism

According to a recent Allstate/ USA Today survey, US small businesses are bursting with confidence touting 64% saying their businesses are doing well. This study, conducted with just shy of 3,000 small businesses (firms with 100 or fewer employees), also indicates an overwhelming sense of positive outlooks being anticipated for the year ahead, showing small businesses to be more upbeat than they have been in decades!

“While the business owners’ perceptions appear to have been brightened by the election of President Trump, who has vowed to cut taxes and regulations, they’re also rooted in improved sales and the fading of economic headwinds that lingered long after the Great Recession ended in 2009.”

All of this is an extremely encouraging economic position for businesses, allowing for more hiring and spending, making this notably a great time to own a small business. The percentage of those feeling more hopeful of the prospect of leaving their business to their children had also risen since last year as well.

“These enterprises aren’t just talking a good game; they’re opening their wallets. Thirty-four percent of those polled said they added at least one new employee in the previous three months, compared to 22% in late 2015.”

Lower taxes and fewer regulations are also helping with this latest optimism, largely in part to the assertions of President Trump and his administration. Even though there is also a lack of predictability surrounding the administration, this survey shows that small businesses continue to move forward while keeping them bright-eyed and bushy tailed for what’s to come.

All in all, we’ve been highly encouraged by studies like this showing a continually optimistic vantage-point. We also can’t help but find these views to be somewhat “contagious” in that many of our clients who leverage our strategies and mindsets of the small business owner are prospering from it all too!

If you want to hear more about the strategies the team at Tardus has collected over the years and how they can benefit both individuals AND small businesses, be sure to attend the Small Business Expo in Honolulu on May 18th where Tanisha Souza, CEO and Chief Wealth Coach, will be speaking on the topic.

For More Info:    How to get more monthly cash flow