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#vacation so won't be active for the next 4-6 days
saucy-sassy-sparkly · 2 years
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Moments: One
Note: It's here (and about an hour later than I expected to get it up... my toddler did NOT want to go to bed)!
I'm so excited for this little story; it'll likely be 6 parts total, but I have 4 drafted now. I have a general timeline, some of the pictures I use won't be accurate, I'll get things wrong, and I'll omit things that should've been part of the narrative. I hope you can just embrace some fiction and enjoy it with me.
Reader is female, but I've tried to keep her description as vague and I'm trying to be sure to use a variety of types of women in the picture inserts.
Pairings: Chris Evans x Female Reader
Word Count: ~5.5k
Please leave me some feedback, I'd love your thoughts! Happy Thursday!
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Moment's Masterlist
One 1997: Killington Ski Resort
They say that you encounter your soulmate three times before you meet them. It may be a short conversation while waiting for a sandwich at a deli down the street.  Or perhaps it is as children, playing in a hotel pool on a “once-in-a-lifetime vacation”.  It may be a blind date gone horribly wrong, only to have the evening salvaged by a stranger at a bar.  
In other instances, the encounters involve no contact: passing strangers on a sidewalk, concert goers in the same row, children at the same playground, and passengers on a train platform.  
For some people, those moments are spaced a lifetime apart.  For others, mere hours.  And for some lonely folks, the introduction never happens; they’re never introduced, they never take the risk, or their circumstances don’t allow for the universe to do its job and put these two souls together. 
Those three moments, be they brief moments or a whole evening, can link a couple together forever.  
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When the sun was up, it had been a balmy 29 degrees today, but now that the sun was quickly dipping below the mountain, the wind picked up and the temperatures were dropping. Chris pulled his goggles off his head and waited for Scott to get to the bottom of the trail. It was Scott’s first outing on a snowboard and it was taking all of Chris’s energy to be a good, supportive coach. In reality, Chris wanted to take off and leave him behind; he could’ve done at least twice as many runs if he hadn’t been waiting on Scott all day.
He saw his dad outside the lodge waving him over and got to him just as Scott appeared over the last ridge. “You guys want to do one more?”  
Chris nodded, “I do, I’m not sure what Scott’ll want, but can I go one more time?”
“Sure, we’re going to head back on the shuttle. I expect you both back at the condo in the next 45 minutes.”
Chris agreed and watched his dad and sisters shuffle towards the shuttle that would take them back to the condos. He turned and saw Scott scooting towards him and couldn’t help but laugh. “One more run?”
“Yeah, I think I’ve finally got it.”
Rolling his eyes, he dragged Scott to the lift line. With the sun almost entirely gone now, the line was much shorter than it had been all day. It was the Saturday of President’s Day weekend; an annual tradition for the Evans crew to hit the slopes for the weekend, but they always knew going into it that it would be a crowded weekend with long lines. It didn’t matter though, Chris just loved being outside. At 16, he was also invincible and full of energy. He’d stay out here all day if his parents would let him.  
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In line, he mostly ignored Scott babbling about what dinner might be waiting for them at the condo; he was too focused on trying to see the girl in front of them. She was around his age, with long hair poking out from under her helmet. Her pink ski jacket and black snow pants left more than a lot to his imagination but with his “sexually active” card newly stamped, girls were just about all he could think about. Her laugh had caught his attention when they got into line; she was giggling at a joke the older man with her had made and since then, Chris hadn’t torn his eyes away from her. He watched the way she threw her head back to laugh loudly, he watched the way she was constantly moving, checking out her surroundings, pointing things out to the man with her; she talked with her hands and Chris found himself straining to try to hear her conversation.  
“Chris?” Scott shoved him, making him slide a few feet forward and bump into the man in front of him.  
“Sorry,” Chris muttered when both he and the girl turned around. The girl smiled shyly while the man eyed the boys; Chris shot a glare at Scott. 
Scott mumbled his own apology and they both turned back around just as Chris punched Scott in the arm, “asshole.”
“I said I was sorry!” Scott yelped, rubbing his arm, “You weren’t paying attention to me, you were just staring at her!”
“SCOTT!” Chris groaned through gritted teeth, glancing to see if she’d heard.  
She had.  Damn it.  She was glancing over her shoulder at the brothers, hiding a smile and blushing in the most adorable way Chris had ever seen. He gave her an embarrassed wave while he felt himself turning red. The second she turned back around, he punched Scott again.  
“Ow,” Scott whined, rubbing his arm again. Chris ignored him and returned his mission to staring at the back of her head and hoping that his powers of telekinesis were finally working and he could get her to look at him again. 
Up until that moment, when she found out the cute boy behind her was staring at her, all Y/N could think about was how annoyed she was that her cousins and parents had bailed on her and left her with Uncle Chuck. Not that he was bad, he was actually super fun and she had to admit, she was having a good time joking with him. Y/N was the youngest of the cousins but the best skier. She was also the most empathetic. Chuck’s wife had asked for a separation just days before the annual Y/L/N ski trip so he was here with his two teenagers who just wanted to try to steal from the mini bar and try to get drunk without the adults noticing. Chuck was taking his angst out on the slopes and for a while, Y/N hadn’t minded. But now that everyone else was back in the lodge, showered, and probably eating, she couldn’t help but pout.  
But here she was, in line at the lift, listening to the boys behind her bicker and trying to keep things light for her uncle. They’d been joking about her dad, Chuck’s brother, for a while– he was an easy target with his bad dad jokes and weird obsession with restaurants that offered more than one style of BBQ sauce. When one of the boys had jostled Chuck, he whipped his head around looking more intimidating than he was. At 6’5”, her uncle’s lumberjack appearance was all show. He was just a teddy bear, but these boys didn’t know that. She was sure he looked terrifying.
Chuck had shot them both a glare and turned back to the front of the line while she kept glancing over her shoulder. The boys were both cute, probably somewhere around her age, maybe a little older. The taller one– the one who’d bumped into Chuck– had been blatantly staring at her during this interaction. She knew she was blushing, but she didn’t care. She liked his attention. 
She was still getting used to attention like this. In middle school, she’d been in the smart classes but was always afraid to raise her hand in class. She liked getting lost in a book as much as she liked getting outside and moving. Her body was in constant motion, even when she was reading she was tapping her foot, fidgeting with her hair, or twisting her ring around her finger over and over again. She had her small group of friends who stayed to themselves and had the same Friday every week: Blockbuster, ice cream, and sleepovers.  
But now that she was in high school, Y/N was a good little basketball player– good enough to have schools already interested in her as a freshman– and somewhere between the first day of high school and now, she’d noticed boys… and sometimes girls… staring at her. Groups of people she hardly knew came to her basketball games and waited to talk to her after. She was the only freshman on the varsity team and was already a starter; the older girls on the team had taken to her fairly quickly and adopted her into their groups of friends. She wasn’t sure what to do with the attention, but she knew she liked getting it from this cute boy behind her.
Y/N and Chuck boarded the lift, the brothers behind them still squabbling as she and Chuck left the platform. Y/N pulled her gaiter up around her nose and ears to protect her from the rush of cold air on the lift. They rode in silence, both of them lost in thought and at the top of the mountain, they disembarked and headed towards The Jug– both of their favorite trails.  
Uncle Chuck slowed, clicking his boot out, “You go ahead, I’ll meet you in the lodge. My sock is all bunched up.”
Y/N nodded and took off, enjoying a moment to herself. She’d been with her brothers, her cousins, or her uncle all day. Everyone wanted to parallel ski or talk on the lift. It was kind of nice to have a minute alone to enjoy the sunset over the mountain. She was in no particular rush, staying off to the side and thinking that Uncle Chuck might catch up to her.
Not far behind her, Chris and Scott were disembarking the lift, headed in the same direction. 
“I’ve got this,” Scott assured Chris, “I can do The Jug.”
“Scott, it's a black trail, are you sure? You’re still new.”
Scott was emphatic, “absolutely, I’ve definitely got the hang of it now. This is our last one tonight; tomorrow will be too crowded again. Let’s go!”
“If you’re sure…”
“I’m positive!” Scott whooshed by Chris to the top of the path and around a turn. Chris trailed him, keeping a close eye on him. He watched as Scott took the start of the trail smoothly, crisply moving around a group. He was about 100 yards ahead of Chris and the mountain was getting steep quickly.  
“Slow down, Scott!” Chris called, leaning in to pick up speed to be ready to help, “Scott!”
“I’m fine,” Scott yelled over his shoulder, half turning to find Chris. It was in that half turn that he started to wobble. He found his balance fairly quickly but was also picking up speed.  
“Scott!” Chris yelled again, moving between people. Scott was starting to flail and struggle to regain control. Chris could see Scott pointed towards the edge of the trail and the woods; he knew that he’d told his brother to drop on his ass if he was out of control, but Scott wasn’t dropping. Chris also couldn’t see the pink ski jacket he’d been staring at was directly in Scott’s path.
“LOOK OUT!” He heard his brother yell; Scott was now leaning backward, trying to fall on his butt but clearly nervous about the impact. It was then that Chris could see her. Panic coursed through him. This was going to be his fault. He’d taught Scott to snowboard, he’d let him go on this difficult slope, he’d gotten lazy and tired of being in charge of Scott so he’d let him go ahead, and now he was going to be the reason she got hurt. Chris started yelling too as he willed himself to pick up more speed.
Her head turned too late; a snowboarder was plowing down the mountain right towards her. Her brain didn’t work fast enough; he was flailing and yelling, trying to slow himself down the steep incline. He dropped to his butt just feet in front of her, “Ohmygodohmygodohmyoooodddddd,” he yelled when he collided with her. He took her out by the ankles, she felt pain slice up her leg as she landed directly on top of him; they slid a few more feet, thankfully going slower due to all of the things they were dragging through the snow, and his snowboard took the impact of a tree at the edge of the trail. They bounced slightly, both of them jostled and tangled.  
“Oh fuck, oh my god, oh shit, are you okay? I’m so sorry. Oh god,” it was one of the brothers from the lift line; he kept pushing at her, trying to get them untangled. He kept repeating, “I’m so sorry, I’ve never snowboarded before.” If it wasn’t so painful, it would’ve been funny: they were a pile of neon fleece and polyester unable to fully move their limbs because of the thickness of their snow clothes. Every time one of them moved, it shoved the other, so every time one of them successfully untangled one part of their clump, another thing got stuck together.  
“Hold on,” she muttered to him, unable to get up to unclip her boots and therefore unable to get to her feet, “I can’t reach my boots.”
“Here, let me see if I can,” he said, trying to reach around her; she yelped and he immediately stopped. “Oh god, are you hurt?”
Before Y/N could answer she heard, “Scott, you idiot,” the other brother called as he came to a stop beside them. He immediately reached down and unclipped her boots from her skis before offering her a hand, “are you okay?” he asked as he pulled her to her feet and held her shoulders as she tried to regain her balance. She was about to nod when she finally got her feet under her and pain shot through her ankle as it gave out. “Shit,” he said, grabbing her by the waist and holding her. “What’s wrong?”
“It's my ankle. I’m sure it’s fine,” she waved him off before she tried to pull away from him to stand on her own. She winced again and slumped again, his arm quickly tightening around her. 
“Way to go, Scott,” he snapped at his brother, who was still now on his knees and trying to stand. “Take her skis,” he said to his brother before turning to her, “I’ll get you down the mountain.”
“What?” Y/N asked and shook her head, “no, I’m fine, I can get down.”
He paused and dropped his head so he could make eye contact with her, “What’s your name?”
“Y/N,” she replied, watching his blue eyes as a smile crept on his face.
“Well, Y/N, I’m Chris. The asshole who tried to kill you is my brother Scott. I’d really like it if you let me take you to the bottom of the mountain and get you checked out with the medics.”
“Seriously, I’m fine, I can just walk down or something,” she waved him off again and started to pull away from him, “thank you though.”
Scott piped up, now standing again next to her and holding her skis and poles, “please? I don’t want you to get more injured. Who are you here with? I can go get them and bring them to you. Or I can get a ski patrol.”
“Or,” Chris offered, “I can put you on my board and have you at the bottom of the mountain safely in no time. I promise you won’t get hurt with me. Do you trust me?” He held out his hand. 
Y/N giggled, “Did you just quote Aladdin?”
Even in the fading light, she could see his blush, “maybe.”
“Fine.”
“Really? That worked?” She couldn't help noticing how genuinely surprised he seemed.
“Get me to the bottom safely, please,” Y/N gingerly stepped her good foot onto his snowboard and let him take her weight against him as he pulled her the rest of the way. It took them a minute to get into a comfortable position with her back against him; she was so much shorter he could see over her head easily. He tightened his grip on her, trying to calm his nerves. He’d promised to get her down safely, and now he had to deliver. He took off carefully, holding her waist to keep the weight off her leg and moving them very slowly down the side of the trail. His legs burned from the effort of keeping them slow, holding her upright, and trying to appear much more cavalier than he felt. It took far longer than normal to reach the bottom, and every bounce pushed them into each other making them both tense. By the time they were at the bottom, they were both flustered and blushing from the proximity.  
When he was unattached from his snowboard, he turned to her, “why don’t you get on my back. I’ll take you to the first aid station.”
Y/N hesitated. It was one thing to be pressed up against him for the sake of getting to the bottom of the mountain. It was another to climb up on his back, in public, and parade through the lodge. “No, no, no, I can walk.”
He already had his back to her, reaching his arms around behind him. He looked over his shoulder, “we made it this far, let’s get all the way to the finish.”
Y/N was glad his back was to her because she was blushing furiously. She could hardly breathe. His arms around her waist the whole way down, his breath in her ear, his chest in her back… she’d been overwhelmed by his closeness and his touch. He had to be at least 16, a few years older than her, with the most adorable smile she’d ever seen and the brightest blue eyes. This sweet gesture was the most romantic thing she’d ever experienced and she had no idea how to act. She was trying not to let him see how nervous he made her.  
He was still waiting for her, his back to her with his arms outstretched, and she heard him call her name softly. She nodded and reached for him while he bent down and she put her arms around his neck. “On three,” he said, leaning down further, “one… two…”
“Three,” Chris said, wrapping his fingers around her thighs as she hopped onto his back. He was sweating profusely from the exertion of a day on the slopes and now from having a cute girl pressed up against him for the last 15 minutes. It was impossible not to notice her little dimples or her blushes every time he made eye contact with her. 
Thank God Scott can’t snowboard… Chris didn’t want her to be hurt, but he was excited for a chance to spend a few minutes away from his dumbass brother while he helped Y/N.
“Here we go!” Chris started to gallop into the lodge towards the first aid station. 
Oh my God… I started to gallop… like a horse… shit.  Chris thought to himself. This is so embarrassing. Oh, God. Oh, but she’s giggling. Okay, I guess I’m galloping now… 
The first aid station was at the back of the lodge; he got her there and held tightly onto her legs, not allowing her to slide down his back, “I’m not putting you down until you’re with a medical professional. You’re not walking around on that ankle.”
“Chris,” she meant to whine but hearing her say his name like that made Chris’s heart thump harder. 
“I’m serious, Y/N. Not until you’re with someone.”
She huffed a sigh but dropped her chin on his shoulder. He wasn’t sure if he was on the brink of melting into the floor from the overstimulation of cuteness she radiated or if he was grateful for the many layers of protection his snow suit provided from anyone seeing his growing hard-on.
They got her checked in and Chis finally let her slide off his back and onto a cot, but he sat down next to her. “Thanks,” she said quietly, catching his eye and giving him another delicious blush. He noticed she was a little teary-eyed; she must’ve been in more pain than she let on.
“How are you feeling?”
Y/N shrugged, “not great, I’m hoping it isn’t broken.”
“That would suck,” Chris agreed, trying and failing to think of anything to say to her. No matter how hard he tried, he couldn’t come up with a joke or anything remotely witty. He thought about reaching out to take her hand, but his own were sweating too much. He settled for nervously rubbing his hands along his thighs and glancing back at her. She averted her eyes quickly and they both nervously giggled.  
“You really don’t have to stay with me,” she forced herself to make eye contact with him. Out loud, she’d told him to go, but in her head, she prayed he’d stay next to her a little longer. His presence made her feel comfortable. 
“Are you trying to get rid of me?”
“NO!” she answered too quickly and recalibrated, “no, I just don’t want you to feel like you have to stay. I’ll be okay. Is Scott okay?”
Chris turned his body to face her squarely, “I’m happy right where I am. Scott is fine.”
“Okay,” she whispered, twisting her hands in her lap and willing herself to say more. God, she was so nervous. The way he looked at her made her pulse race. For as much as her ankle hurt, all she could think about was how dry her mouth was and how much she hoped he’d hold her hand, put his arm around her, or do anything to initiate contact again.
“So, uh,” Chris tapped his fingers on his legs, trying to channel his nervous energy. “Are you from Vermont?”
“No, I live in Maryland.” She said quickly and forced herself to continue the conversation, “What about you?”
“Massachusetts. We come up to ski on President's Day weekend every year.”
Y/N nodded, “we usually stay closer to home but my parents wanted to do something different this year.”
They were both silent for a few seconds, each of them anxiously racking their brains for how to prolong this moment. The door to the examination room opened at that moment and a nurse practitioner came in, “well, Miss Y/N, I hear you took a tumble? Let’s take a look.” She started to pull out her stool and move towards Y/N, “I’m going to take your boot off, okay?”
Y/N sat up straighter and nodded to the NP while Chris jumped off the cot, rubbing the back of his neck. “Can I get your parents? Are they in the lodge somewhere?”
“I think my parents took the shuttle back to the hotel, but my uncle was behind me. I’m sure he’s waiting for me by now.” She winced when the boot slid off, clenching her teeth. Tears formed in her eyes again and Chris returned to his spot next to her. He tentatively put an arm around her; without another thought, Y/N leaned into him and whimpered quietly while the practitioner manipulated her ankle. She looked up at Y/N sympathetically and then at Chris, “were you getting her uncle?”
“Oh, right,” Chris slid his arm away from Y/N. Tears were tracking down her face and he didn’t want to leave her. This girl he’d known less than an hour was now his only concern. 
“The guy you were in line with is your uncle, right? What’s his name?” 
“Chuck Y/L/N. He’s a really tall guy in a red snow jacket and–” she cut herself off when he came storming into the room with Scott hot on his heels.
“Y/N,” he barked, “are you alright? I heard what happened. This one–” he pointed behind him at Scott, “ –found me.”
“I’m okay, we just got started.” She gestured to the nurse practitioner who was still gently moving her foot and ankle, each time making Y/N wince or yelp.
“Damn snowboarders,” he glared at Chris and Scott before he pushed by Chris and sat down next to Y/N, “think they own the whole mountain. Goodbye, boys.”
“Uncle Chuck–,” Y/N started, looking up at Chris but Chuck cut her off with a stern, “goodbye,” before he started talking to the practitioner and asking questions.  
Chris gave Y/N one last look and a wink; Scott apologized for the millionth time and waved half-heartedly before heading to gather their belongings and go to the shuttle. On the short ride from one side of the Killington property to the other, Scott talked the whole way, lamenting and then complaining of his own injury. Chris tried to sympathize with him, and he tried to listen, but he kept thinking about Y/N. 
He thought about her all the way through dinner and a round of video games after dinner. He thought about her as he got ready for bed, and he was still thinking about her when he fell asleep. Maybe he’d come back from this long weekend to find that a new student was enrolled at school… Y/N. In his daydream, he was of course the one the guidance counselor called to show her around campus, which led to inviting her to eat lunch with him and his buddies, which led to asking her to go to the mall after school, which led to going to the movies that weekend, which led to kissing her goodnight, which led to… 
Y/N however, had spent the rest of the day and well into the evening at the local hospital. The nurse practitioner had determined her ankle was likely broken and had advised her to be taken for X-rays. The emergency room staff confirmed it after several hours in the ER, and by the time it was set and she was in a cast with crutches, it was almost midnight. She was emotionally and physically exhausted. She’d begged and pleaded with her parents not to try to find the boy who’d done it; that it was an accident and they didn’t need to contact his parents and try to “decide how to deal with it.” After a very tearful conversation, her mother had finally convinced her father to drop the subject and let them get on with their weekend.  
By the next morning, her mother had profusely offered to stay with her, rent movies and hang out in the condo with her, or take her shopping, but she’d decided to stay in the lodge and read her book with hot chocolate and the roaring fire. Her family left to ski for the day, her parents promising to come back and check on her at lunch. She was trying not to mope and moan, particularly because her dad and Uncle Chuck were still discussing the idea of talking to Scott and Chris’s parents. God, the last thing she needed was them to threaten to sue them. She knew it was all out of care, but both men could be a little overzealous. Y/N was certainly disappointed that Chris lived in Massachusetts and she was in Maryland, but she didn’t want them to stay in touch over a lawsuit.  
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She’d hobbled to the lobby and settled in front of the fire, and was about a chapter into her book when she felt the couch cushion beside her dip with the weight of a new body. They were way too close; who does that? Who sits down directly next to someone when there are multiple couches and oversized chairs? She peaked out of the corner of her eye and couldn’t help the grin that slid on her face. Chris was next to her, his own book open, and he was casually reading with a giant smirk on his face. He didn’t look at her immediately, instead, he continued to read and flipped the page dramatically.  
Y/N continued to grin, knowing she was also blushing and feeling her whole body start to sweat, but she turned back to her book and forced herself to read. Another page in, and she felt his eyes on her. She continued her charade just as he had, and continued to read. He huffed a sigh and dropped his book in his lap to cross his arms. She picked up a piece of hair on her shoulder and twirled it around her finger, hoping it seemed casual and cool, while she finished her chapter. When she was done, she quietly put her book in her lap, picked up her hot chocolate, took a sip, and looked at him over the rim of the mug. 
“Oh hey,” she whispered, hoping she sounded cooler than she felt.
“Hey yourself. Good book?”  
She nodded and stared at him for a minute, taking in his perfectly gelled hair, his big handsome smile, and his captivating blue eyes. “Why aren’t you out there?” She gestured towards the huge windows next to them. 
“I saw you when we left breakfast downstairs. I thought you might need some company today. You know, since Scott tried to kill you. I feel responsible for you.”
“Shouldn’t Scott feel responsible for me?”
“He’s proven that he can’t be trusted,” Chris pointed to her ankle, which was propped on the coffee table. There was a lull in conversation; Y/N was tapping her fingers on the cover of her book. Chris started to reach out to her and pulled his hand back; after taking a deep breath, he tried again and covered her hand with his. “I was also hoping you’d want to hang out with me.”
Words, Y/N. Any words right now. Say anything, you have to say something, oh my god he wants to hang out with you SAY SOMETHING. Y/N’s whole body froze as she stared at his hand on hers and his eyes fixed hard on her face. She had to be the color of a tomato right now. She had to be sweating. Could he feel that? Could he tell she was sweating? Were the tops of her hands as sweaty as her palms? 
She settled for a shy nod and another lull settled over them, this one was more comfortable. She spilled her hot chocolate and they traded a few lines back and forth about the snow and how nice the fire felt. Finally, Y/N said, “let’s play 20 questions.”
“Isn’t that the game where you try to guess an object or something? You know like ‘is it bigger than a bread box?’”
She rolled her eyes, “I guess that’s the wrong name, but how about this: we each ask a question and both of us have to answer.”
“I’ll go first,” he agreed, looking around the room before he settled on his first question, “when’s your birthday?”
“April 2. You?”
“June 13. Your turn.” They went back and forth, moving into books and tv shows they watched, how they spent time with friends, and what their hobbies were. Y/N was fidgeting constantly, entirely unable to get comfortable and Chris kept jumping up to help her adjust her propped-up leg.  
After Y/N finished telling a story about a time her social studies teacher split his pants during class, Chris’s laughter subsided and he smirked, “who was your first kiss?”
She bit her lip and dropped her eyes, “Kyle Brown. We were in 4th grade. It was the last day of school, he spent all day literally pulling my ponytail, then he kissed me on the bus, got off, and moved away. I never saw him again.”
Chris cackled, “what a chicken. If I was going to kiss you, I’d make sure I’d see you again every day.”
Y/N felt herself redden from the tips of her toes all the way to her hair; at the same time, her heart dropped. He said if he was going to kiss her. Meaning it was a hypothetical statement... Meaning he wasn’t going to kiss her. In this afternoon spent together on this sofa, she’d been convinced he was flirting and was convinced he’d kiss her. She stared down at her hands, trying to force a smile while she listened to his answer.  
“Y/N?” He asked after she’d been quiet for a moment. She looked up and pulled her bottom lip between her teeth. “You’ve been quiet for like a whole minute,” he laughed, “you okay?”
“I’m fine, I should just go back to the condo, I need to take some painkillers,” she started to stand up, reaching for her crutches that Chris thrust at her. 
“Let me walk you back, I can help you get your meds and get you settled. Will you be alone?”
“It’s okay, I can get back on my own,” her voice was quiet while she tried to be sure she had everything. “Thanks for sitting with me today.”
“But I–” 
She had already started to move away from him and he followed her, navigating around furniture and people; she tried to pick up her pace. She was embarrassed and sad that she’d misinterpreted the time together and even more embarrassed that she’d gotten her hopes up that a boy from Massachusetts would kiss her. It’s not like anything could come of it. 
“Bye, Chris,” she glanced over her shoulder and said it as firmly as possible before starting to move again. He stopped in his tracks and just stared at her, watching her walk out of the lobby and into the wind. 
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museum-spaces · 10 months
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oh gang I have been over doing it lately.
Here's a list of everything I did since last Sunday [6 August 2023]
Sunday; get up, get shower, eat food, convince myself to go to Vancouver Pride. It's about an hour away via public transit. Met up with a new 'friend' [thank you grindr, just friends thanks gang] and went in. watched for 3 hours, then walked through the festival for a few hours. Get home before dark, but couldn't tell you when.
Monday; stat holiday, walk Ianto, sleep, walk Ianto, sleep
Tuesday; Walk Ianto at 6ish, back to work; work all day on projects and staff needs, at 4 have a 1 hour meeting with 3 other people, at 5 have a 1 hour meeting with the Boss Man, take Ianto to dog park, get home after 8pm
Wednesday; walk Ianto at 6ish, very similar to Tuesday with added 'oh shit one of our staff won't be available for 5 days he's supposed to work leaving it up to me, and one other staff because the other two staff have vacation time and won't be in Canada' stress. Take Ianto to the dog park, get home between 7 and 8.
Thursday;walk Ianto at 6ish, just me and my Second for most of the day at the museum, lots of uping and downing of stairs to take care of things.
Friday; walk Ianto at 6ish, get to work, work for 2 hours, get lift to Museum of Vancouver for professional development, be told lunch would happen there so I didn't bring anything... lunch does not happen. Learn about native plants, new methods of display, and some other very cool things. Get back to the Museum at 4, eat a frozen muffin, work for an hour before taking Ianto to the dog park, get home between 7 and 8pm.
Saturday; get up late, walk Ianto from about 7-8;30/9. get breakfast and plan on starting laundry. Fall asleep until 4;30 instead. wake up feeling SO ILL but Ianto needs to go outside. Decide to take my cane for the first time since moving. forget to bring my cane. find a stick that is about 2 inches too short. walk Ianto to a dog park [not our usual]. get asked if I am about to pass out by one of the humans there. wave her off and lean heavy on my stick. eventually sit my ass down on the ground. go home and sleep.
Sunday; get up and walk Ianto at 6ish. get home and realize I'm going to fall asleep again. Set my alarm because I need groceries and to do laundry. wake up and crawl back out of bed shortly after noon. sit on my couch and lose it because I know I will not be able to go shopping. Break down and order grocery delivery. Crawl into the shower and scrub off. have a nap. take Ianto out again. Get home at about 8, think about ordering delivery dinner. fall asleep instead.
Monday; wake up to the delivery app still open on my phone. walk Ianto, go to work, spend a few hours in the front of house, then a few hours in my office, then a few hours working with the treasurer.. yay training. take Ianto to the dog park but it's too hot for him to play, so go to the water instead. get home at about 6;30, before I let myself sit down I started my laundry, ordered dinner in, and hopped in the shower. By the time I got out of the shower dinner was ready [yay]. then grocery delivery got here. now siting on my couch zoning out.
I am so tired yo. I did not leave out any showers or other chores. I have not done dishes. I have not swept. Not brushed or trained with Ianto.
Just work and sleep and 2 outings.
The next 2 weeks are going to be a nightmare because of staffing fuckery. fuck fuck fuck.
I need to remember I am actually disabled and although I have much more energy than I did before, I also have much longer working hours/requirements.
I think part of the hard part is that I genuinely enjoy the work. And the activities. After the first 3 hours at pride I knew I'd struggle on monday but I was having such a euphoric time that I couldn't leave. Like, at Camel Town I was always a little bit annoyed by the situation. At the hotel I was just there to pay rent... and I failed at that. But I really really like this place, gang.
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fizzingwizard · 3 months
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Was curious how many of the Sims 4 bugs on this list I've encountered… it's a lot
Part One because I guess this is too many bugs even for tumblr hahaha
Jumpy Animations/Sims teleport - since a long time ago but worse now Routing/Sit down issue on several interactions - love to watch my sims wander around like ants looking for somewhere to sit with a chair right in front of them. especially love when I tell me sim to go play a game at the card table in the same room, and instead they go outside, walk around the entire house, come back in and then sit at the table. guess they just felt like a walk first lol Music from other modes Plays During Live Mode - yup and usually overlapping. fix with restart but it often happens in CAS where you lose all your stuff if you quit… Lag for menu to show up when clicking on objects - especially the fridge/oven!!!! Sims keep moving after paused Sims do DU homework under laptops - not just DU tho I get this for anything that can be done at a table, including eating, and sometimes it's not even a portable laptop but a computer Sim won't accept queued commands/ Sims don't do actions - this was supposedly "console" but as a non-console player I know it happens to the rest of us too. also to most of us Lots with manipulated terrain look realistic/strange in world view - idk if this is a bug, i think probably that's just how it appears. but it is weird Fishing Identification for active Sim with no fishing skill - I think this one has been around since base game. Sims 4 really wants everyone to love fishing. I'll be like. mourning the death of Sim Grandpa. And all of a sudden 6-year-old Sim Grandson will "identify the Perch!" Multiple daily calls for sim to switch careers - CONSTANTLY. EVEN WITH PHONE ON SILENT MODE! Excessive use of Cross Stitch Basket - yep. I get it the worst with cross stitch, but I find it annoying that other hobbies which cost money like knitting and painting are autonomous as well. Either there should be a "practice" object which is the default and is free or this stuff shouldn't be autonomous. Food too tbh… I have tried playing rags to riches before, and one reason I gave up was just this - it was so hard to keep control of finances because sims have no concept of saving pennies lol Railings Clipping Through Walls - hate this so ugly Multi-story columns misaligned Foundation becomes see-through Sim Gets Fear of the Dark After Being Cured - all the fears and wants sucked. they're boring, curing then is boring, they have little impact except just ruining your sims day, and YEAH, they come back after being cured!! best to turn it off just like neighborhood stories Constantly dirty surroundings moodlet from Pressure Cooker and Kettle - I'm not 100% sure I've got this one, I will check the next time I play. However I've had multiple issues with these objects: sims constantly cooking with them when their queue is empty, and constant fires originating with them. Lately my sims was complaining her kitchen was dirty but I could not find anything dirty. She's a Neat sim, but even after having her clean everything, and then going into build mode and moving stuff to look for plates that might have gotten stuck under objects and are hard to see, the room still registered as dirty. I'm thinking it was the pressure cooker or kettle, or maybe even pizza oven which she also has Upgraded beds give two contradictory moodlets - yup spend hours upgrading your bed and the sims like "what a bad sleep!" Sims on home lot don't take care of needs when active sims away - yeah two sims in my house recently almost starved bc of this NPCs take food ordered by active Sim - yup! again ruining my rages to riches haha No evolve option (ready to evolve) - yes and yes I've checked that the plants are in season. Also having major issues with other gardening things especially on community lots Very High Household Bills While On Vacation Campfire causes too many fires - really frustrating for me bc I use the campfire a lot. I absolutely love camping gameplay but between constant fires and thunderstorms where you're 100% guaranteed to get electrocuted (9_9) it really sucks
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dusktale-official · 7 years
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HAHAHA YA KNOW WHAT I’M LAZY AF
SEND IN ASKS THIS IS PARTLY AN ASKBLOG NOW I NEED INSPIRATION IF U DO U R AMAZING PLZ *wheeze*
Please and thank u
-Bleeding
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world-of-josh · 5 years
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Baguio Getaway
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Looking for a romantic place in the Philippines but the typical tropical temperature is just not cutting it for you? Look no further for Baguio's here for you!
DAY 00
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Traveling to Manila is the easy part of this trip.
The ideal time to fly to Manila for me would be flights at around 10:15 AM or so as it gives more time for us to sleep before the day of the flight and it's won't be stressful.
Your estimated arrival would be 12:00 NN, taking delays into account. By this time, you could take a quick lunch and you can then head on to Baguio via bus. Don't be late!
Going via bus is my personal recommendation as it is said to be a safer way to travel to Baguio although the estimated travel time is 6 hours. On the other hand, going there via plane would take an estimated amount of 3-4 hours.
Upon your arrival, when choosing which hotel to check in to, I would personally recommend The Manor at Camp John Hay.
Sleep your tires away!
DAY 01
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For a day to start great, one would need to start with a great breakfast at The Manor. THEN OFF YOU GO!
Camp John Hay doesn't limit itself to a great hotel and view. In fact there are several fun activities to do in the Camp.
You could got to the Dare to Try Treetop Adventure Rides, go visit the Bell House, the Cemetery of Negativism, and many more. After all these fun stuff, you could take a break and have lunch at one of the known restaurants in the Camp, Mile Hi Diner.
You could then head over to Wright Park and go HORSE RIDING! After a whole afternoon of doing so, you could end your day by eating dinner at a nearby restaurant called Villa Cordillera.
DAY 02
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Start your day with a quick breakfast and let's go to the Bridal Veil Falls!
Going to the falls, we have to pass along the Kennon road and along the way you could see a famous tourism spot the Lion's Head.
Finally, you reach the falls! Famous for its falls looking like a bride's veil comes its name the Bridal Veil Falls.
Heading back, along the way, you could find a well known 50s themed diner called GLENN 50s Diner. Here you could have your lunch and then go SHOPPING or WATCH MOVIES or DINE at SM Baguio City.
DAY 03
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Head out early to see the history of one of the greatest Filipino historical figures at the Emilio F. Aguinaldo Museum. Afterwards you can eat at a nearby restaurant called Grümpy Joe.
You could then move on to the next museum to look at art made of bamboo at the Bamboo Art Exhibit.
After that you could head to Burnham Park to go cycling, boating, or maybe even have a picnic. Finally, you could end your day at the Café by the Ruins eating delicacies and/or dinner.
DAY 04
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Even great adventures come to an end. As a Filipino saying goes, "Walang Forever."
Its time to head back home with a head filled with new and beautiful memories.
Baguio being one of the famous provinces found in the Philippines has always been a perfect place for a vacation, a romantic getaway, and even just a place to visit for its great sceneries.
It could be said that Baguio is an experience yet to be discovered in other places in the world.
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A great day has come to an end
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"So much of who we are, is where we have been."
-William Langewiesche
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lalka-laski · 3 years
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How long have you been sober?    Umm my last drink was Thursday so 4-5 days
Do you think you are an argumentative person?   Not at all. I avoid arguments if I can
How’s your heart lately?   It’s doing pretty good. Much better this week than last
Do you still talk to the person you lost your virginity to?   Nope. I haven't a clue what he's doing or where he is. And I don't really care. Not that we have any hard feelings I just... don't think about him.
Is it harder to be rejected or to reject someone else?   Neither is easy but I guess being rejected hurts more
What is the best thing about your current job?   It gives me the flexibility to work on writing projects while I'm here, and to nanny on my days off (Four day work weeks are where it's AT)
What’s the last thing you drank?   Coffee or water, I can't remember
Have you been on a date in the park?   Sure have
Where are you going on your next vacation?   That won't be a possibility for a long, long time. I don't even think we're doing a honeymoon.
Are most of the friends in your life new or old?   Old
Have you ever gotten so wasted, you didn’t know what was going on?   Yeah, story of my life
Do you like pulp orange juice?   It REPULSES me
Do you prefer the tanning bed or the sun?   I avoid both
Who and when was the last person of the opposite sex that hugged you?   Glenn, last night
Were you single on your last birthday?   Nope
Who was the last person you talked to before you went to bed last night?   Glenn
Do you have a friend who you think is a sex addict?   Nah. I have friends who are, let's say, hornier than most. But no one's an actual addict.
When was the last time you cried?   Couple days ago
Ever kissed a Robert, Tyler, Ryan, or Michael?   All of the above
Name something you dislike about the day you’re having?   Well I'd rather not be at work, period. Also Tuesdays are my most active days and ya girl is LAZY.
When will your next kiss be?   When Glenn gets home from work tonight around 5:30-6
Do you hate the last person you kissed?   Not even a little bit. I never could.
Where is the last person you kissed?   He’s home at the moment
Has anyone ever seen you in your underwear?   Yes Who was last to cook for you?   My mother-in-law
Are you attracted to the last person that kissed you?   I mean, clearly
Do you remember the first conversation you ever had with the person you currently have feelings for?   I was his barista for a long time so I don't remember our first actual conversation. I do, however, remember our first Facebook conversation. And I like to re-read it sometimes to laugh at how awkward and dorky we were.
All girls deserve sunshine right?   Sure?
Who was the last person you saw besides family?   I'm at work soo... a bunch of patients, coworkers, & delivery people
What are you not looking forward to?   I don't know, I have a pretty good week ahead of me. Thank goodness.
What makes you cry right now?   I could think of a reason if I sat here and concentrated, but why would I want to do that?
Will this week be a good one?   So far it is and I'm determined to keep it up
Who is the last person that texted you?   Glenn
Where did you get the shirt you’re wearing?   It's my company's sweatshirt
What are you listening to?   Ed Sheeran is playing on the office radio right now but I have the speakers by my desk turned all the way down. For that very reason
What are you going to do next?   I have a few work tasks to do but I might just say fuck it and do another survey
Will you regret your next kiss?   Of course not
Who was the last person you gave the finger to?   No idea. Whoever it was, it wasn't serious
Do you currently have feelings for anybody?   Obviously
Who did you last make plans with?   I have plans Thursday but they were made months ago. So I'm not sure who the most recent friends I made plans with are
Are you the oldest?   Of my siblings? No. Although I'm arguably my dad's oldest birth child.
Have you ever liked someone that treated you like crap? Sure have
Do you enjoy eating veggies?   Mhm I love 'em
Who did you text most today?   So far Glenn or maybe Kathleen
Do you have a reason to frown right now?   I could think of plenty of reasons but again, why would I want to?
Would you prefer to go out on a fancy date or just chill in his house? It really depends. I've been all about date nights lately but go figure, I'm at my brokest
Are you wearing socks?   Yep
Do you enjoy long car rides?   I do actually. And I love road stop snacks!
When was the last time you got drunk?   Last week
What cell phone provider do you have?   Verizon
Do you know anyone who has gotten an abortion?   Yes
Do you own a laptop?   Mhm
Favorite smell in the world?   Lavender & cedarwood
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josephinebardot · 3 years
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7 Easy Tips for Cruising on a Budget
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Is Cruising on a Budget Possible?
As exciting as it is to make big travel plans, most of us struggle with the nagging issue of how to make our wallets stretch to accommodate them. So what do you do when you want to travel but you’re on a budget? There is a way to make it happen. There doesn’t have to be a massive cash roadblock in the way of your next trip, and budgeting properly is only part of the equation.
As those with cruise-holiday obsessions know well, cruising offers some of the better deals around; if you have yet to take your first cruise, you may be surprised at some of the cost-effective travel packages there are to be found.
Cruising Offers More Bang for Your Holiday Bucks
You love being able to wake up at a new port most mornings whilst having enjoyed a relaxing journey there. With cruising, there's none of the mess that can be associated with catching flights and transfers and all of that; but you will get the same opportunity to travel to more than one location. You are basically getting multiple trips out of one, which is already great value to start with.
There are also numerous onboard benefits—unique activities, immaculate service and a wide range of dining choices that are either included in your fare or offered at subsidized costs are just a few of the treats you might experience! With that said, there are several things you can do to make sure you're getting the most for your money. Here are my top tips for planning a cruise vacation without breaking the bank.
7 Tips for Saving Money on a Cruise Vacation
Here are seven tried-and-true ways that you can save a little coin on your next cruise (without missing out on any of the fun!).
1. Sign Up for Mailing Lists and Save Big.
While you can find some good deals just by searching the internet, the best thing you can do is join the mailing lists of the cruise companies that you want to travel with. They may offer you savings that you won't see anywhere else. (Most of them won’t spam you terribly, so don’t worry about your inbox filling up in five minutes.)
If you have a travel agent, then sign up for their list too. Don’t be afraid to vie for competing offers, either. If your travel agent offers you a deal, you can always reach out to the cruise line to see if they can do better, and vice versa. It won’t always work, but in the day and age, it can’t hurt.
But subscribing to these emails, you will gain access to the latest and greatest information regarding deals and discounts that are currently available. You might even get a sneak peek at some new features or offers if you are lucky.
2. Book Your Trip Well Ahead of Time.
The longer you wait to plan your trip, the more expensive it can become, especially if you miss out on those elusive last-minute deals. Instead of waiting for deals that may never come, start planning early.
This will give you plenty of time to get a feel for the options available before those options run out the door. That way, you can jump on the options that have limited availability and sell up quickly when everyone else gets on the boat (ha!).
3. Dig for Discounts.
You’ve always found that the best and most effective way to save money on your cruise holiday is to find your savings on the fare itself. Kick it off by looking first at the cruise lines’ website; then circle around to other providers and your travel agent.
Starting with the cruise line's site first will give you an idea of where the baseline is; from there, you will know what a real deal looks like when it comes to fares and their attached itineraries.
You will usually find that there are a decent number of deals and discounts available on cruise line's sites, such as discounted inclusions or free dining at some of their specialty restaurants.
4. Consider Purchasing a Drinks Package.
You’ve enjoyed most of the drinks available on cruise ships over the years, and one thing I have noted is that when you buy them on a per-drink basis, the cost can add up in a hurry and not just for the alcoholic ones, either!.
Whether you fancy a soda, a specialty coffee or a margarita, the cost will add up quickly if you buy your beverages on a per-drink basis. This is where a decently discounted unlimited-beverage package will save your bacon and allow you to enjoy the drinks that you want. Many packages include everything from spirits, daiquiris, margaritas and wine by the glass, to specialty coffees (though this doesn’t normally include iced coffees) and soda for one fixed and often relatively low price.
5. Book Cruise as Soon as Possible.
Book the tickets for pirate cruise in St. Pete Beach FL, it is one of the better ways to keep your cruising holiday costs down. Getting in on deals before you get on the ship allows you to put that money aside ahead of time, which means you won’t get a scare when your sail-and-sign card bill turns up on the last night of the cruise.
It is always easier to curb the costs when you know what is coming around the corner. With planned excursions, I think the best thing is that you don’t have to worry or stress about anything because it is all set out and planned for you and you know exactly what you are going to get up front.
There are also a number of benefits to booking your shore excursions through reputable tourism companies at the ports ahead of time. Going directly to them cuts out the middleman, giving you the chance to make some really solid savings.
6. Consider Duty-Free Shopping for Gifts and Souvenirs.
Before you even leave home, set some money aside for duty-free shopping. Buying gifts and souvenirs for the loved ones that you left at home is a lot easier when you know you’re not going to have to go back home and pay it all off.
You are bound to make some decent saving on some items, with some products—like perfume, aftershave and top-shelf spirits—coming in at around half price. Tobacco products can also present a savings opportunity, but make sure you take note of allowances on alcohol and tobacco on return to your home port.
7. Take Advantage of Opportunities to Score Freebies.
There are a surprising number of ways to get freebies while on board, such as attending a sales pitch or volunteering at an auction. From free drinks to a unique art print, you never know what you might score. For more handy tips, check out my article about how to get free things on your next cruise.
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themoneybuff-blog · 5 years
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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First
Sometimes even the best-prepared households get knocked sideways, financially speaking. Illness, unemployment, divorce, a car accident that triggers a lawsuit these and other situations can quickly put a hurt on the budget. In such times a personal loan or one of several types of home equity loans can provide a little breathing room until you rebuild your finances. As noted, money woes are sometimes the result of plain old bad luck (illness, job loss). However, sometimes were our own worst enemies: We buy too much, we save too little, we plan not at all. You cant get ahead that way. And you cant keep borrowing your way out of trouble. A loan wont help you unless you fix the following issues. 1. Not having a budget The simplest way to wind up in debt is to spend without thinking. Stop, then, and think for a moment about what you would like to have happen five years from now: buying a home, starting a business, getting married, traveling? When you create a budget, youre not just allocating your dollars youre enabling your dreams. An easy way to do it is the 50/30/20 budget: Spend no more than 50% of your take-home pay on essentials, 30% on wants, and 20% on saving (including retirement planning and an emergency fund). Plenty of budgeting apps exist as well (some are even free). 2. Not tracking spending You cant plug budget leaks unless you know where they are. Track your spending for a month, using pen and paper or a budgeting app. The cumulative effect could be eye-opening. For example, a relatives ex-husband was shocked shocked! to realize that spending $8 a day on fast food added up to $240 a month. His wife had made more money than he did, and their commingled finances made it easy for him to swipe a card and think no more of it. Heres hoping that your own habits arent quite that clueless. But even those of us who think were doing pretty well could be surprised by the cumulative impact of certain habits: beef jerky and a soda every time we pay for gasoline, daily iTunes downloads, $20 a week on scratch tickets. Add up the opportunity cost of those non-essentials, and ask yourself if you could do better. (Spoiler alert: You probably can.) 3. Keeping up with the Joneses Just because next-door neighbor bought the priciest riding mower on the market doesnt mean you have to ditch your trusty Snapper. When your coworker talks about all the activities her kid participates in, you dont have to sign your own tots up for horseback riding and soccer camp. You should not let other people determine your clothing, dcor, automobile, or anything else. Its no ones business that you bought a fixer-upper, that you drive your car until the wheels fall off, that your idea of nightlife is to read a new library book once the kids are in bed. Remember: The Joneses may be up to their hairlines in debt. They might be focused on keeping up, too with the minimum payments, that is. 4. Wanting your kids to have things you didnt Theres nothing wrong with this! Except when there is. Obviously you want your children to be well-fed, reasonably well-dressed, and housed comfortably. You might also want to give them treats and opportunities you never had, such as vacation trips, a big allowance, loads of extracurricular activities, and fully funded education plans. But dont let this noble impulse bust your budget. Just because your kid wants snowboarding lessons, a new smartphone every year, and a car of their own at age 16 doesnt mean you have to give these things. Staying out of debt and funding your retirement should take precedence over granting every whim. At the very least they should have some skin in the game: doing additional chores to help save up for a big-ticket item, say, or mowing lawns or babysitting for extra pocket money. Besides, we arent doing our kids any favors when we give them everything they want. Setting the bar too high now could mean setting them up for problems later on. Specifically, when they move out on their own theyll want to keep living in the style to which we have accustomed them and if their salaries dont allow for that, theyll wind up in debt. 5. Automatic upgrades Whats wrong with your old smartphone or car or whatever? If you bought it relatively recently and it still works, whats with the rush to replace? If you get the newest phone as soon as it comes out, or trade in your vehicle every few years, or replace anything else before it really needs replacing, ask yourself why. Because your co-workers do? Because some commercial made you want a new car? Because you dont know why, but you really, really want to anyway? Think about the opportunity cost of that cash. Then think about the way you want to live, and whether or not you want other people making decisions about your money. 6. Shopping mindlessly If you dont need anything, stay out of the mall. Going shopping with friends puts you in a position to find something you suddenly cant live without, or something that looks so cute on you or would be so cool in your house or so useful in the garage. Except that you were doing just fine without that item until you saw it. Ditto online shopping: Dont cruise your favorite retailers websites unless you have a specific reason to do so. Better yet, undo the one-click function and remove stored credit card info from all sites where youve shopped in the past. Bonus frugal points if you change your online passwords to something that has personal significance, such as WeDDingDAy8192020, or 19YEarsLEftonMORTgage, or EARLYretire2028 these little reminders of where your dollars could be going instead might help you from overbuying. 7. Always buying retail Why automatically pay full price? Instead of heading straight to the shopping center when you need (or want) something, consider these options instead: Thrift shops: Some are junky, but others are great. Its like a treasure hunt. (Pro tip: Find out if there are senior discounts or other special deals. For example, a secondhand store my daughter likes offers 50 percent off every Monday.)Consignment stores: Like thrift shops, except theyre more discriminating about whats accepted.Flash sales: While online shopping should be approached with caution, sometimes a sale really is too good to pass up. Hold yourself to limits, though: Just because those slacks are a great deal doesnt mean you need to buy a pair in every color.OfferUp, LetGo, Craigslist: Sometimes people want (or need) to get rid of furniture, tools, bikes or automobiles without the hassle of a yard sale. Caution is required, but you can get some darned good deals this way.Newspaper classified ads: Yes, really. A guy I know recently bought a pickup truck (necessary for his job) from a newspaper ad, spending many thousands less than he would have paid at a dealership.Freecyle: You might be surprised at whats being given away, no strings attached. Ive seen beautiful furniture, clothing, bicycles, toys, books, and other useful stuff offered up.Yard sales: Another treasure hunt. Ive seen items still in the shrink-wrap at these sales. Its a great place to buy baby stuff, including newborn-sized clothing that seems never to have been worn.Buy Nothing Facebook groups: Last month my partner and I just picked up an almost-new Weber grill. Some of the other things Ive seen lately: baby stuff, solid wood table, sewing machine, board games, computer desk, cookware, and tons of childrens clothes. All of it is free.8. Overdoing it on special occasions Are holidays and birthdays completely over the top? Maybe its time to tone it down. When they become extravaganzas of gift-giving, we cheapen the meaning and also set the bar higher and higher. A kid who gets tons of presents is unlikely to appreciate each one fully and more to the point, he develops a sense of entitlement. As for birthday parties, when did they start resembling mini-coronations? Even one-year-olds are having party rooms reserved, decorations put up, and gift registries established. Really? Think of all the money thats spent and quickly forgotten. Now think what those dollars could have done for a childs education fund or your own retirement. Celebrate joyously, but celebrate sensibly. 9. Overbuying for grandchildren While waiting in line at a crafts store, I met a woman who developed the bad habit of having small gifts waiting for her granddaughters whenever they visited and they visited a lot. The woman was fretting visibly as she looked over the items in the stores dollar section. What do you buy for someone who already has everything? she asked me. After hearing her story, I felt very sad not just for her but also for the kids. A visit to grandmas house had become an exercise in acquisition. The first thing they do upon crossing the threshold is to ask what theyre getting. (Does anyone else find that quite sad?) Expectations are made, not born. If youve gotten into the habit of treats and more treats, scale back. Replace them with activities and gifts of time. The kids who are used to getting stuff will gradually become used to not getting stuff and when occasionally you do treat them, it will mean a lot more. Again, the money you save could go toward their education funds or toward shoring up your own budget. You cant finance retirement. 10. Giving more than you can afford Charity is a noble impulse. But giving to the American Red Cross or the Society for the Prevention of Cruelty to Animals should be done after youve taken care of business. Specifically, after youve built an emergency fund, started saving for retirement, and taken care of any consumer debt. Put on your own oxygen mask first, financially speaking. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. Read more: https://www.thesimpledollar.com/loans/blog/a-loan-wont-solve-your-money-woes-if-you-dont-fix-these-10-financial-issues-first/
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Honeymoon Attractions You Won't Want To Go Back 30 - #AegeanSea, #AntiguaAndBarbuda, #BoraBora, #GreekIslands, #Honeymoon, #HoneymoonCouples, #Mauritius, #PhuketIsland, #Santorini, #Switzerland, #TheSwissAlps, #TurkeySHoneymoon, #Zanzibar
New Post has been published on http://justforustravel.com/2017/10/07/honeymoon-attractions-you-wont-want-to-go-back-30/
Honeymoon Attractions You Won't Want To Go Back 30
for couples who are planning for your honeymoon, ‘where do we go?’ the question is always little has caused crises. The foundations of a solid marriage and to live unforgettable moments for a romantic Honeymoon, there’s very little that is so important. We also started our journey to recover from the problem of finding a honeymoon venue for you we have 30 places where you can experience an unforgettable honeymoon and we have compiled.
God kocatsin on a pillow, let the honeymoon begin research venues
1. Bora Bora
the colony of France on the Pacific Ocean, French Polynesia Bora Bora is a name that is related to which of the two the hill of an extinct volcano formation. The island has a coastline of 230 kilometers which, at the same time, mountain climate, too, making for a very rich nature. The island, which is home to a population of approximately 8,800 in locally on the sea shore set, luxury accommodation Honeymoon couples from all over the world who dream of attracting interest from. Bora Bora, with a tropical climate has to offer, especially the exotic fruits aphrodisiac, it is an ideal destination for those who want to feel. They believe the way to your spouse’s heart is through his stomach coconut dessert, Ocean fish, and he’ll love with Bora Bora French wines. Also, dreaming of the greatness of the ocean of eternity the eternity of love and marriage in the face to the feel of this destination can be recommended as a suitable name. Despite all these good points, this requires a very arduous journey to reach the island. It can take approximately 35 hours to complete the transit of the flights provided by many companies. Also need to get a visa to go to the island to France.
2. Barcelona
’s history and art in the romantic city that smelled of Barcelona, perfect for honeymoon couples. Because the city offer a variety of options both day and night life, romance, culture and an ideal choice for couples who want to live quietly. At step sculptures, art galleries, culture and performance of this smelly city, 7/24 lively you have a life. The famous Catalan architect Gaudi’s Sagrada Familia cathedral city, Casa Mila, you can’t see them you definitely should. Barcelona’to go or you have to get a Schengen visa in Istanbul’flight time approximately from 3 hours and 45 minutes.
3. Phuket Island
which is Thailand’s largest island, Phuket, Chalong Bay Marina and named Kamala Beach, attracts the attention of Honeymoon couples who plan. The island has a warm climate throughout the year, cultural elements that carries both the ocean and couples who both want to make it an ideal spot for a honeymoon. The island of Phuket, where you can find opportunities for all water sports, at the same time, a worldwide famous wedding location. Especially devoted to luxury goods, this segment is popular in recent years the island, which is an undeniable romance. Facing the enchanting views that are abundant on the island, which was established on accommodation facilities, enables us to meet the increasing demand for a beachfront wedding or Honeymoon. 30, in some cases for up to 90 days without a visa, the island of Phuket where you can go’s na Istanbul’13 hours from flight time.
4. Venice
Venice is one of the most magical places on earth. Magnificent perched in the middle of the sea despite over a century of construction, preserved until the present day, known as the city of lovers. The honeymoon must be one of the best things to do here. That will be the first vacation as husband and wife, that smells of love that must be in place. You need to get a visa to Italy to go to this beautiful place and flight time Istanbul’dan 2 hours.
5. Aruba
in the southern part of the Caribbean Sea, 27 kilometres north of the coast of Venezuela, an island country in Aruba, while it was in the past a Principality of the kingdom of the Netherlands gained independence in 1986. From this date his remarkable leaps with tourism in Aruba, has a temperate tropikallig. Despite the scorching sun of the Caribbean, on the island wind blowing in the East direction, the climate of this region makes it softer. During the honeymoon for couples who want to do scuba diving or snorkeling the rich underwater world from the term name, at the same time, white sandy beaches and the shallow waters near the shore it is reputed to be. Especially the Eagle Beach and baby beach, among the most famous ones are the exotic beaches of the island. A former Dutch colony, the island to go to the United States, Canada, Dcurrent hr Kingdom, Ireland or a Schengen visa if you have a visa you don’t need them if you do not have you need a visa. Flight time can vary between 18-29 transit.
6. The Swiss Alps
Switzerland, a country that offers interesting options for romantic and honeymoon couples. Each category on the edges of lakes in the country conform to the shape of accommodation in hotels, chalets close to attractions such as. Switzerland’in the current period on the lake, boat trips, walks in the mountains where you can see all shades of green, snow-capped Alps’s Honeymoon is the most romantic dinners with breathtaking views utunulm together your food will be. Swiss Alps’need to get a visa to go to Switzerland so that you can download. Istanbul’s dan, capital, Zurich’e 3 hours flight time.
7. Mauritius
which is another popular Honeymoon location the Seychelles in the Indian Ocean is located, the neighboring island of Mauritius, with a population of approximately 1 million 200 thousand people, with other sectors outside of tourism is a country that has existed for many years. Since 1968 engaged in a serious tourism development in Mauritius, a honeymoon became an important stop on in today’s world. Although it has a tropical climate, constant winds from the southeast direction, thanks to temperate weather. Ideal for lovers of sandy beaches at the sea temperature and depth, made from sugar cane, tropical fruits and fresh drinks and pretty intense nightlife in Mauritius, Honeymoon, ideal for couples young and dynamic is an address. The Grand Bay area, restaurants, bars and discos, worth a visit, as the area stands out. Also in the area, shopping facilities in Pereybere, Balaclava that can be visited while in the area of historical and cultural items are available. The nature has a beauty that is incredible. You don’t need a visa to Mauritius for the visits up to 60 days. Flight time can vary between 11-17 hours in transit.
8. Florence
northern Italy’s, which is the capital of the Toscana region, Florence, honeymoon and romance for those who do not want to compromise on both culture and art activities is a great city. Toscana’s is located in the middle of the round hills by Florence and the Arno River which is divided into two geographically Italy’s located right in the centre. Architecture, museums and art galleries, with Italy’s’s one of the most important art cities, Florence, the Italian Renaissance’. Leonardo Da Vinci, Michelangelo and Dante as such, This is the inspiration of historical personalities. Beautiful in all seasons, but especially in the summer, Florence’s taste you may forget. Need to get a visa to live here a fabulous Honeymoon to Italy. Flight time approximately 2 hours.
9. Zanzibar
the coast of Tanzania on Zanzibar Island, a world famous tourist spot. Very different tourism facilities named in Nungwi on the northern tip of Zanzibar which is home to the impressive town attracts the attention of couples who plan the honeymoon. Nungwi for a honeymoon that will be the activity that is passed in, to watch the sunset. Vast turquoise which makes a slow descent towards the ocean and the sun to symbolize the beginning of an eternal love is an ideal choice. Also, approximately 50 boats at sunset in Port every Nungwi departing in the same direction, constitute an unforgettable landscape. In addition, in the North located next to the lighthouse, the aquarium, visited the giant turtles that are allowed to be touched you can be friends with. After your tiring day, it’s bar has been the subject of many works cholo will visit to talk to your partner and you can experience the silence and listen to the ocean and a peaceful Honeymoon. To go to the island require a visa, but a visa from the Tanzania Consulate as you can get from crossing the border, you can get. Transit flight time hours range between 18-26.
10. Santorini
Santorini, the Greek islands, the pearl of the Aegean Sea’s one of the most popular islands. Turkey’s Honeymoon getaway ideal for those who a short time due to being close to the spot. At the same time an indispensible address for those who want a romantic holiday with wonderful views. Blue-domed authentic Island homes, overlooking the caldera, boutique hotels. Hotels in this area at all down the cliff because it is a children’s pool. At the same time, some hotels even offer jacuzzi on the balcony for you enjoyment. To get a visa to travel to Greece visit the Greek islands for those who want to simplified visa is implementing a program required but. This visa program apply to just the islands. For transportation there are two alternatives; one is the way of the sea. Secondly, in Istanbul’s dan Athens’or, with a second flight or a cruise from Santorini there’s eat, Mykonos Island’s na there are direct flights. Santorini from here, speedboats’s All You can eat.
11. Antigua and Barbuda
white coral stones on the beach in Antigua, lush tropical forests, is one of the reasons that attracts Honeymoon couples here for years. Even this pristine beauty among the islands of the Caribbean are the most popular, we can say that. The Turquoise Coast before cooling off in the spa which was reserved for the enjoyment of couples you can rest your body and soul. Particularly tiring after just a few minutes from a wedding, take a sigh of relief, there is no guarantee. Antigua and Barbuda’you don’t need a visa to go to or. Flight time approximately 18 hours.
12. Havana
The Alternative might be a really good choice for couples who want a honeymoon in Havana. The city is romantic, friendly and happy people, old model cars, Havana cigars, colorful streets, apartment buildings. A different culture, a different lifestyle. Your Priority when you go here a cigar factory tour, see the production of. The 2-hour special courses available for tourists, salsa, salsa, you can learn. Full Honeymoon a paradise from the sea, eseyel n, five-star hotels, the pungent smell of Cuban coffee and a honeymoon you won’t forget. Havana’or you have to get a visa to go to Cuba in transit and can be reached by a 14 hour journey.
13. Martinique
which is one of the Caribbean Islands, Martinique is a tropical island where it’s more intensive French and Caribbean culture. Offering views of the black sandy beaches in the northern part is very interesting, because this island also has a rich history offers interesting sightseeing areas. Martinique tropical Honeymoon couples who want to plan is an ideal destination for the cultural elements to enrich with slight. Island, a canyon that is named Georges de la Falaise. In this Canyon there are facilities offering dinners for honeymoon couples. Also, on your honeymoon or for couples who want to shop the style boutiques Paris you can stop by their place Sunday selling fresh fruit and chichewa carrying. The islands of Martinique, you will have to apply at the French Consulate to get a visa to for and the flight time can vary from 17 to 21 hours.
14. Angkor Watt
located in the town of Siem Reap Cambodia’s Temple 12. Century, King Henry II. Made on behalf of Suryavarman. At the time it was built in the name of Vishnu Angkor watt have been used as a Hindu temple, a Buddhist temple later. The temple symbolizes mount Meru of the Hindu gods where they meet the towers. In Indian mythology, the mount Meru under the polar star, and is located in the center of the universe points to 7 continents. The top of the mountain and it is believed that Indra, the god of heaven was the air war. 33 different in the case of the foothills of the mountains God is living. When you take your first steps into giant Angkor VAT Hindu lotus blossoms under the protection of the Guardian angels and you will feel that you have entered. The towers of the temple is shaped like the bud of the lotus flower the lotus flower and this is just to leave visitors awestruck by the dazzling beauty of using it is not. Originally a reference to the characteristics of the majestic flower. The Lotus, muddy, and dirty places to live in, although the flowers always maintains purity and cleanliness. You won’t find this even the slightest dust of pink flowers on it. Therefore, it has become one of the most important symbols of Buddhism. Purity tells you how it has. Such a mysterious place, see such a mysterious city Honeymoon might be a good choice for those looking for alternative. Connecting flights and visas at the Cambodian border takes about 20 hours flight time on average.
15. Bahamas
nearly two thousand Islands, an archipelagic country, the Bahamas, is built on coral reefs. This country, which is built on the Atlantic Ocean, the most popular places from all over the world many couples the honeymoon of your dreams. Festivals, music, dance who cater to couples who want to make a feast of Culture too with a honeymoon in the Bahamas, tropical and semi-tropical climate experiences a transitional climate between. In addition, the nature of the Bahamas parrots, dolphins, raccoons, alligators, or a very rich diversity. An unforgettable Ocean adventure in your honeymoon vacation for couples who want to live in the Bahamas, is one of the most ideal points. Warm ocean waters making it ideal for a variety of water sports or swimming with beaches, the Bahamas is one of the popular features. Visa does not apply in the Bahamas for up to 8 months, and ranged from 18 to 26 hours from the time of flight.
16. Amsterdam
’s freedom capital, Amsterdam’s romance as well as fun-filled Honeymoon you can spend. The history of the channel divided by streets, whether on foot, bike tour you can take if you want to rent a nice city, in the famous museums of the city the opportunity to see the outstanding works of the greatest artists in history you can find. After spending a romantic moment on the bridge, if you want to do more exciting things Amsterdam at all hours of the day, it promises you a great fun. To reach this beautiful city, you have to get a Schengen visa and the flight time is 3 hours and 30 minutes.
17. Belize
if you want to dredge for a little adventure to your honeymoon, Romantic Belize Honeymoon is a paradise for you, we can say that full. Sunbathing at the beach and wants more unique experiences for your honeymoon here if you are pursuing a promising place. Can ride to the jungle, swim in waterfalls, and ancient Mayan ruins you can see. You may have the chance to experience many water sports including diving. Also romantic dinner by candlelight food Belize’s will add a different taste to your honeymoon. In addition to all this, the possibility of sunbathing on the gorgeous beaches, the chance to swim in the clear waters and observe a different culture you get a chance to go to this great place where you don’t need a visa for up to 30 days. Estimated flight duration: 17 hours.
18. Barbados
which is one of the most popular of the Caribbean islands of Barbados, the island was an important settlement throughout history. Today, providing you with an important proportion of the income from tourism, Barbados, wide and long sandy beaches, its own unique items and historic fig trees, a popular Honeymoon address. The name of the famous beach is home to the butterfly. Mount gay rum distillery, stop by this quaint Island Honeymoon plans by adding your house with your wife and sip your exotic drinks against the ocean, Harbour lights in the area can have fun at beach parties, or by participating in diving activities at the bottom of the sunken ships in the waters of Barbados, you can watch. Barbados does not want a visa for up to 90 days. Flight time can vary from 16 to 21 hours.
19. Lofoten
where the most beautiful scenery in the world is located in Norway’s is located in the quaint town d%b1 Lofoten, present an enchanting view. In the area of Nordland north of the Arctic Circle. The Norwegian Sea from the mainland’s correct what the feathers in the form of extending to each other, connected by bridges and tunnels of the island consists of. This actually is not a very touristy area. The islands there are mostly fishing villages. It is hardly possible to say that it doesn’t seem to cater for entertainment and shopping enthusiasts. But the natural beauty, the calmness and the Red House, who want to spend a honeymoon away from the crowds, a place where couples fall in love. Need to get a visa to go to Norway to this beautiful place. Flight time can be between 6 to 7 hours from Oslo.
20. Bali
Indonesia’s most popular Island, Bali, is the motto of ‘Shanti Shanti Shanti Bali’. Shanti in Sanskrit means peace and tranquility. The peace and tranquility of the sun on the beautiful beaches, sea and sand, a trio of add, and on top of all this, added to the cultural richness of the island, exclusive, Honeymoon is easily understood why such an attractive place as your destination. Indonesia’s 17,500 islands, Bali is one of 4 million who found a population at the same time the richest part of the country. Underwater diving and explore the beauty, mountain and forest walks, get a massage, watch the famous Balinese dance shows can be counted among the things to do. Very rich in terms of cultural structure, and feel free to chat with the friendly Balinese. At the airport you will be welcomed with flowers can be a really wonderful Honeymoon. At the airport you can get visa to go to Indonesia for this island. Visits do not need a visa of 30 days. Flight time approximately 14 hours via Singapore.
21. Hawaii
Hawaii, the North Pacific Ocean to the United States in one of its provinces. Hawaii islands which is a group of 3.700 kilometers from the main land of America, Godzilla, Jurassic Park, the lost films and serials in place, spectacular beaches, surfing, that can be done high waves, clean sandy beaches, crystal clear sea, lush forests, exotic local culture, offering the opportunity to dream with a honeymoon an island of tranquility. Outlines of the most famous hotels along Waikiki beach of the island. The skyscrapers around the beach, restaurants, shopping malls, filled with chic boutiques and quite moving. Sea turtles, exotic fish and colorful corals in Hawaii with a beauty that will captivate those who see the sea. Impressive natural beauties of the mild climate in all seasons throughout the next 12 months as a preferred honeymoon vacation Place. This beautiful and romantic island to get a visa to go to USA. May go up to 30 hours from the time of the flight. If you are lucky enough to find a direct flight, in 17 hours, you have the possibility of being there.
photo; Sarah Lee
22. Paris
Paris, romance, love and beauty, exhibited in every corner of a European city has been funny to impress. Paris area most tourists visit in the world, our country is ranked first in the list of vacationers. For those who don’t like long plane rides and who want to honeymoon in Europe in Paris, he deserves the first place among the most suitable honeymoon vacation locations. Paris Opera, Louvre, Concorde, a few squares, Alexander bridge, the parliament building, the Orsay Museum, and the victory with the team to Paris, unwilling to dwell in the Place, offers endless opportunities for couples who love to explore historical and cultural places. Every street in the city which is very rich in terms of things that need to be seen. Boat trips on the River Seine, the Louvre, the Champs-Elysees with a view of the Eiffel and of course the wonderful waiting to be explored. For shopping freaks, Paris can be difficult to find a center that will be an alternative to. Paris’s e Flight Time 3 hours 30 mins to go and you have to get a Schengen visa.
photo; Imantas Boiko
23. Maldives
the Maldives, a tropical paradise of 1,200 islands scattered in the Indian Ocean. Located approximately 750 miles south southwest of India and Sri Lanka, the Maldives, the white sandy beaches of the ocean extending to the coconut trees, exotic resorts bungalows and honeymoon vacations rest and relaxation with unique opportunities. Water sports, are ideal for underwater exploration. This heaven on earth, the natural wonders of the lagoon and surrounding coral reefs alive with hundreds of live type and color for lovers young and old who want to witness the harmony is waiting. Maldives’and you don’t need a visa to go to Flight Time 9 hours 30 minutes.
photo; Long Nguyen
24. Seychelles
the Seychelles is an archipelago of 115 islands in the Indian Ocean, East Africa, which is close to the part is located. Very rich, untouched nature and beaches the Seychelles is an ideal spot to spend a honeymoon filled with peace and love. Beau Vallon and Anse major regions offers a pristine beach along the way between one and a half hours. In this region, the scenery is breathtaking and refreshing atmosphere on the walk. However, because of the seasonal winds of the sea are not eligible to swim in all parts. So, you need to pay attention to the official warnings. In addition to natural beauty, Victoria is located in the area and completely built on the theme of love, the ‘love note’, ‘Boom Tequila’ and ‘Catalog’ s night clubs, away from everyone in a way is a magnet for couples who want to live their love. Seychelles’and you do not need a visa to go to ranged from 17 to 23 hours from the time of the flight.
photo; Klaus Wiese
25. Egypt
in the north of the African continent, Mediterranean’s e Red Sea’s e coast, the lives of the world’s oldest civilizations, perhaps one of the most enigmatic countries on earth. Mystical is definitely the place to go for couples who want a honeymoon. More than 6000 years of history, historic temples, and discussed how to still, stands out with its pyramids, which is one of the Seven Wonders of the world. Also several diving centres in the world which is situated on the edge of one of the Red Sea, Hurghada and Sharm El Sheikh with tourists and honeymoon couples u%d c4 is located between the rack spaces. If you are not above the age of 45 or under the age of 20 if you need a visa. People in this age range at the airport for $ 15 can obtain a visa in exchange. Flight time is 2 hours and 30 minutes.
photo; Jamil ghanaye
26. Koh Samui
the Exotic atmosphere, the impressive tropical islands, vibrant cities, vibrant night life, tropical climate, turquoise sea, dazzling beaches, world-famous, rich cuisine, Buddhist temples of Thailand islands that will meet the expectations of beauty. Southern Thailand’TA is located in Koh Samui, to name the most prominent among Asian Honeymoon destinations. A honeymoon in Thailand that offer accommodation options to suit all budgets among the reasons it was chosen as the center of comes. Thailand, compared to many parts of the world gives you the opportunity to make an overseas honeymoon vacation much more affordable. We can say that this means more budget to allocate for fun. Koh Samui’s do not need a visa to go to the point you made and transfer according to the flight duration can vary between 12 to 15 hours.
photo; Faisal Maroon
27. Vienna
Austria’s capital, Vienna, dance, make love, is the birthplace of the waltz. Both historical and entertainment, and the top ranks when it comes to shopping due to take place in Vienna, the ideal choice for couples who want to spend a romantic Honeymoon could be one of. Vienna is the city which the balloon’I can guarantee you also find peace. Vienna’need to get a visa to go to Austria or the flight time is 2 hours and 15 minutes.
photo; Funky Eye
28. Suomi
Finland, great beauty and famous spots to spend your honeymoon a memorable way to see the northern lights. Rooms specially prepared for honeymooners, lying to see the northern lights and the famous Finnish sauna designed in a way that will allow you with your honeymoon plans with bedrooms is definitely a point that you need to incorporate. After a romantic dinner watching the northern lights, fall asleep, I wonder how many couples a honeymoon vacation that can do it? Finland’or are required to purchase a visa to go to flight time and if the capital Helsinki’s eat, 3 hours and 25 minutes.
photo; Terho Makela
29. The Turkish Republic of Northern Cyprus
unspoiled natural beauty, unique historical Mediterranean with its riches’s island paradise of Cyprus, which with its temperate climate and sunny throughout the whole year and its proximity to our country one of the preferred locations for honeymoon couples newly married. Location of four seasons in the sun, beautiful beaches and long summer season, with Cyprus’s at many point, located in the hotels you can experience a unique Honeymoon. In addition, water sports, diving, nature walks, Honeymoon with a vibrant nightlife and casinos in the preferences will continue to be in the front row it looks like. Even where you can stay up to 3 months without the need for the Turkish Republic of North Cyprus passport’s what the flight time was 1 hour and 30 minutes.
photo; Nurdan Dokuzoğuz
30. Vancouver
Canada’s most touristic city, which is Vancouver, verdant nature, clean sea air and peaceful living conditions emerges as one of preferred by newly married couples Honeymoon destination. With views of the famous lakes, and national parks in the vicinity of the city, bike tours, and offers great opportunities for long nature walks. The world famous ski resort of Whistler or to Vancouver Island only one and a half hours away. One day, while sipping a cocktail on a sunny beach, it must be quite attractive the option of skiing the next day. This beautiful city of 14 hours flight time and you need to get a visa to go to Canada.
photo; Artur Stanisz
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themoneybuff-blog · 5 years
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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First
Sometimes even the best-prepared households get knocked sideways, financially speaking. Illness, unemployment, divorce, a car accident that triggers a lawsuit these and other situations can quickly put a hurt on the budget. In such times a personal loan or one of several types of home equity loans can provide a little breathing room until you rebuild your finances. As noted, money woes are sometimes the result of plain old bad luck (illness, job loss). However, sometimes were our own worst enemies: We buy too much, we save too little, we plan not at all. You cant get ahead that way. And you cant keep borrowing your way out of trouble. A loan wont help you unless you fix the following issues. 1. Not having a budget The simplest way to wind up in debt is to spend without thinking. Stop, then, and think for a moment about what you would like to have happen five years from now: buying a home, starting a business, getting married, traveling? When you create a budget, youre not just allocating your dollars youre enabling your dreams. An easy way to do it is the 50/30/20 budget: Spend no more than 50% of your take-home pay on essentials, 30% on wants, and 20% on saving (including retirement planning and an emergency fund). Plenty of budgeting apps exist as well (some are even free). 2. Not tracking spending You cant plug budget leaks unless you know where they are. Track your spending for a month, using pen and paper or a budgeting app. The cumulative effect could be eye-opening. For example, a relatives ex-husband was shocked shocked! to realize that spending $8 a day on fast food added up to $240 a month. His wife had made more money than he did, and their commingled finances made it easy for him to swipe a card and think no more of it. Heres hoping that your own habits arent quite that clueless. But even those of us who think were doing pretty well could be surprised by the cumulative impact of certain habits: beef jerky and a soda every time we pay for gasoline, daily iTunes downloads, $20 a week on scratch tickets. Add up the opportunity cost of those non-essentials, and ask yourself if you could do better. (Spoiler alert: You probably can.) 3. Keeping up with the Joneses Just because next-door neighbor bought the priciest riding mower on the market doesnt mean you have to ditch your trusty Snapper. When your coworker talks about all the activities her kid participates in, you dont have to sign your own tots up for horseback riding and soccer camp. You should not let other people determine your clothing, dcor, automobile, or anything else. Its no ones business that you bought a fixer-upper, that you drive your car until the wheels fall off, that your idea of nightlife is to read a new library book once the kids are in bed. Remember: The Joneses may be up to their hairlines in debt. They might be focused on keeping up, too with the minimum payments, that is. 4. Wanting your kids to have things you didnt Theres nothing wrong with this! Except when there is. Obviously you want your children to be well-fed, reasonably well-dressed, and housed comfortably. You might also want to give them treats and opportunities you never had, such as vacation trips, a big allowance, loads of extracurricular activities, and fully funded education plans. But dont let this noble impulse bust your budget. Just because your kid wants snowboarding lessons, a new smartphone every year, and a car of their own at age 16 doesnt mean you have to give these things. Staying out of debt and funding your retirement should take precedence over granting every whim. At the very least they should have some skin in the game: doing additional chores to help save up for a big-ticket item, say, or mowing lawns or babysitting for extra pocket money. Besides, we arent doing our kids any favors when we give them everything they want. Setting the bar too high now could mean setting them up for problems later on. Specifically, when they move out on their own theyll want to keep living in the style to which we have accustomed them and if their salaries dont allow for that, theyll wind up in debt. 5. Automatic upgrades Whats wrong with your old smartphone or car or whatever? If you bought it relatively recently and it still works, whats with the rush to replace? If you get the newest phone as soon as it comes out, or trade in your vehicle every few years, or replace anything else before it really needs replacing, ask yourself why. Because your co-workers do? Because some commercial made you want a new car? Because you dont know why, but you really, really want to anyway? Think about the opportunity cost of that cash. Then think about the way you want to live, and whether or not you want other people making decisions about your money. 6. Shopping mindlessly If you dont need anything, stay out of the mall. Going shopping with friends puts you in a position to find something you suddenly cant live without, or something that looks so cute on you or would be so cool in your house or so useful in the garage. Except that you were doing just fine without that item until you saw it. Ditto online shopping: Dont cruise your favorite retailers websites unless you have a specific reason to do so. Better yet, undo the one-click function and remove stored credit card info from all sites where youve shopped in the past. Bonus frugal points if you change your online passwords to something that has personal significance, such as WeDDingDAy8192020, or 19YEarsLEftonMORTgage, or EARLYretire2028 these little reminders of where your dollars could be going instead might help you from overbuying. 7. Always buying retail Why automatically pay full price? Instead of heading straight to the shopping center when you need (or want) something, consider these options instead: Thrift shops: Some are junky, but others are great. Its like a treasure hunt. (Pro tip: Find out if there are senior discounts or other special deals. For example, a secondhand store my daughter likes offers 50 percent off every Monday.)Consignment stores: Like thrift shops, except theyre more discriminating about whats accepted.Flash sales: While online shopping should be approached with caution, sometimes a sale really is too good to pass up. Hold yourself to limits, though: Just because those slacks are a great deal doesnt mean you need to buy a pair in every color.OfferUp, LetGo, Craigslist: Sometimes people want (or need) to get rid of furniture, tools, bikes or automobiles without the hassle of a yard sale. Caution is required, but you can get some darned good deals this way.Newspaper classified ads: Yes, really. A guy I know recently bought a pickup truck (necessary for his job) from a newspaper ad, spending many thousands less than he would have paid at a dealership.Freecyle: You might be surprised at whats being given away, no strings attached. Ive seen beautiful furniture, clothing, bicycles, toys, books, and other useful stuff offered up.Yard sales: Another treasure hunt. Ive seen items still in the shrink-wrap at these sales. Its a great place to buy baby stuff, including newborn-sized clothing that seems never to have been worn.Buy Nothing Facebook groups: Last month my partner and I just picked up an almost-new Weber grill. Some of the other things Ive seen lately: baby stuff, solid wood table, sewing machine, board games, computer desk, cookware, and tons of childrens clothes. All of it is free.8. Overdoing it on special occasions Are holidays and birthdays completely over the top? Maybe its time to tone it down. When they become extravaganzas of gift-giving, we cheapen the meaning and also set the bar higher and higher. A kid who gets tons of presents is unlikely to appreciate each one fully and more to the point, he develops a sense of entitlement. As for birthday parties, when did they start resembling mini-coronations? Even one-year-olds are having party rooms reserved, decorations put up, and gift registries established. Really? Think of all the money thats spent and quickly forgotten. Now think what those dollars could have done for a childs education fund or your own retirement. Celebrate joyously, but celebrate sensibly. 9. Overbuying for grandchildren While waiting in line at a crafts store, I met a woman who developed the bad habit of having small gifts waiting for her granddaughters whenever they visited and they visited a lot. The woman was fretting visibly as she looked over the items in the stores dollar section. What do you buy for someone who already has everything? she asked me. After hearing her story, I felt very sad not just for her but also for the kids. A visit to grandmas house had become an exercise in acquisition. The first thing they do upon crossing the threshold is to ask what theyre getting. (Does anyone else find that quite sad?) Expectations are made, not born. If youve gotten into the habit of treats and more treats, scale back. Replace them with activities and gifts of time. The kids who are used to getting stuff will gradually become used to not getting stuff and when occasionally you do treat them, it will mean a lot more. Again, the money you save could go toward their education funds or toward shoring up your own budget. You cant finance retirement. 10. Giving more than you can afford Charity is a noble impulse. But giving to the American Red Cross or the Society for the Prevention of Cruelty to Animals should be done after youve taken care of business. Specifically, after youve built an emergency fund, started saving for retirement, and taken care of any consumer debt. Put on your own oxygen mask first, financially speaking. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. Read more: https://www.thesimpledollar.com/loans/blog/a-loan-wont-solve-your-money-woes-if-you-dont-fix-these-10-financial-issues-first/
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