Luv Saving Money – Page 41 – Life on a Budget

Spare Parts To Keep On Your Boat

Going out on your boat, whether fishing with friends or cruising with your family, is a great feeling. Nothing compares to the freedom that fresh air and open space provides. There is also nothing more stressful than having engine troubles when you are miles from shore. Boats are a lot of work and can be finicky, which is why regular maintenance is so important. But sometimes, despite all preparations, accidents happen. That is why every boater should keep these spare boat parts handy.

Hoses and Clamps

Keep varied sizes of hoses and hose clamps on your boat. Rubber hoses are the most versatile. They can be used for fuel lines, hydraulic repairs, and even as a tie-down if you are in a pinch. Clamps are also useful to have when making creative repairs. They can be helpful when dealing with leaks by holding hoses in a particular position or really holding anything in place.

Fuel Filters

It is helpful to have extra fuel filters and fuel water separators on your boat. Fuel filters can give you problems for a variety of reasons. If water or debris gets into your tank, or if you got some bad gas, a new fuel filter is a quick easy fix that will protect your motor.

Batteries

Most boaters have experienced a dead battery on the water. It’s too easy to forget all the draws on your battery when you are out having a good time. That is why it’s a good idea to have a spare. Also, check the charge on your spare periodically. Solar chargers may be a good investment to keep batteries charged for longer trips.

Impellers

Impellers tend to break easily, so have at least one spare impeller for each water pump. If your engine overheats, the impeller will go fast. They are cheaper than a trip to a mechanic and fairly easy to replace, depending on the type of motor.

Oil

Always have spare oil on your boat, even if you just filled it up. This way if you spring a leak that can not be contained, you can keep enough oil in the engine to get back to the dock and save your engine. Other fluids, such as transmission fluid and hydraulic fluid, should be kept on your boat.

These items are not expensive and can save you money if something unexpected happens. Keep them stocked and keep them fresh so you can enjoy a day out on the water with some peace of mind. You may even come to another boater’s rescue.

Free Play-Doh 40 Pack After Cash Back

This is awesome and would make a fun gift. OR fill a bunch of stockings! What’s better than free??

Step 1:
OFFER LINK
Using my link, signup for a FREE TopCashback account.This offer is for new TopCashback members only.

Step 2:
Follow the directions listed on the offer page to purchase. You must spend at least $14.96 to receive $15.00 cash back.

Step 3:
Within 7 days of purchase, $15.00 will appear in your TopCashback account. You’ll be able to withdraw this within 14 days of purchase. You can withdraw the money straight to your checking, PayPal, or claim as gift cards.

Tips:

Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
Want to purchase more than $14.96? Make a second transaction instead of adding more to an existing cart to maximize additional cash back.

Terms & Conditions:Note: Transactions must contain at least $14.96 worth of purchases (before tax +shipping) to ensure the $15.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $15.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 12/21/2020 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member. Cannot be combined with other TopCashback freebie offers. Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.

Exploring Options for Debt Consolidation

Are you struggling to pay off your debts, such as student loans? Are your credit cards maxed out and can you no longer qualify for a 0% credit card balance transfer offer? In general, you want to choose a debt consolidation loan plan that simplifies your financial life or reduces the cost of your debt, or, ideally, both. There are some debt consolidation loans Canada offers and these are available from lenders that can simplify your payment but do not significantly reduce the cost of your debt. You don’t want to choose those.

Explore Your Options

You need to explore your options. This is why it is so important to research your debt consolidation loan providers before making the decision. One of the biggest obstacles to debt consolidation is the risk you run in incurring new debt before paying off the consolidated debt. Therefore, close all old accounts or cut them off. You may have heard that closing multiple accounts can hurt your credit. Initially, your score may take a small hit, but this is nothing compared to the hit your credit score will take when you keep adding more debt to your bad debt.

Learn how debt consolidation affects your credit

If you got into debt due to unexpected circumstances, such as a medical bill or job loss, rather than a recurring cycle of making poor purchasing decisions, it is probably better to keep your accounts open and just cut up your cards so your credit score remains intact. How debt consolidation affects your credit will depend on the options you choose. Every time you apply for a loan, this is considered new credit, which means that a thorough investigation of your credit will be done. As a result, your score will drop. Some lenders allow you to apply for a debt consolidation loan without affecting your credit score, giving you an interest rate without having to do rigorous research.

The Lenders

With some lenders, those with the best credit will get the lowest rates. Many lenders also don’t charge fees for paying off your loan early; however, they could charge upfront fees of up to five percent on your loan. Some may send money directly to your creditors to increase your chances of successful debt consolidation. Your credit score will depend in part on your credit utilization, how much debt you have compared to the total amount of available debt. When all your credit cards are maxed out and you open a new one, this increases your available debt and lowers your utilization rate, which can actually help your score. However, your score will suffer whenever you have a high balance on any card. Transferring multiple balances to one card will cause your score to suffer, even if you have paid off all of your other cards.

Conclusion

Using debt consolidation loans Canada offers to pay off credit cards lowers your utilization rate and increases your score. Many debt consolidation companies will negotiate with your creditors on your behalf for lower balances and lower interest rates. Look for those who will get a written agreement from each of your creditors that outlines the terms of the agreement.

Spend $25 at Sephora get $25 Cash Back!!

I don’t know about you but all the beautiful holiday cosmetics and value gift bundles really catch my eye at Sephora. It’s even better if it’s possibly free. If you sign up with TopCashBack you can get $25 cash back when you spend $25 or more at Sephora!

Step 1:
OFFER LINK
Using my link, signup for a FREE TopCashback account.This offer is for new TopCashback members only.

Step 2:
Follow the directions listed on the offer page to purchase. You must spend at least $25.00 to receive $25.00 cash back.

Step 3:
Within 7 days of purchase, $25.00 will appear in your TopCashback account. You’ll be able to withdraw this within 14 days of purchase. You can withdraw the money straight to your checking, PayPal, or claim as gift cards.

Tips:

Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
Want to purchase more than $25.00? Make a second transaction instead of adding more to an existing cart to maximize additional cash back.

Terms & Conditions:Note: Transactions must contain at least $25.00 worth of purchases (before tax +shipping) to ensure the $25.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $25.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 12/6/2020 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member. Cannot be combined with other TopCashback freebie offers. Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.

Hulu Black Friday Deal Only $1.99/mo For 12 Months!!!

Wow, this deal is awesome. Hulu Black Friday deal, get Hulu for $1.99/month for 12 months! You guys that’s $24 a year for Hulu!

With the uncertainty of the pandemic it’s nice to have something at home to keep us entertained. I’ve been thinking about trying Hulu anyway so this deal is sweet enough for me to give it a try! What are you Hulu show recommendations?

This offer is valid for new and eligible returning Hulu subscribers (those who have not been a subscriber for the last 3 months).

My oldest son was just telling me that he got a 1 free month trial of Hulu and he actually liked it better than some of the other streaming services. Yep, definitely gonna give this deal a try.

The Hulu Black Friday deal is only valid 11/26/20 until 11/30/20. After that this deal is gone so don’t sleep on it. I have friends that have cut the cord on cable and only have one or two streaming services. Great way to save money.

This post does contain affiliate links. I will earn a commission for sign ups through my links.