5 Deadly Financial Mistakes You Should Avoid Now To Keep Out Of Debt Later!

Every year more families are going to the brink of financial ruin because they never properly considered their financial future. For some, it's just to stressful or emotionally uncomfortable to think about and important financial decisions get put off indefinitely. For many, they do not know and were never taught some basic financial planning tips to keep them out of debt in the future. Here are five financial mistakes you should avoid now to keep your financial future bright:

5 Financial Mistakes To Avoid:

1. Buying on credit: Today's interest rates are fairly low, but this does not mean you should buy excessively on credit! Carrying a large balance on credit cards month to month is a recipe for disaster. Finance charges alone can slowly eat you up. Buying a car on credit ties up even more of your future earnings for debt repayment.

Just a few decades ago buying so much on credit was unheard of. Children were taught early on what a huge mistake this was. We all need to relearn this lesson and eliminate buying on credit to keep ourselves out of debt

2. Making financial decision based on emotion: When you are going through great stress or emotional turmoil you are most vulnerable to making disastrous financial financial decisions. It is when you are feeling some king of pressure that you are most likely to make silly decisions that get you into trouble later. Do not make a big money decision when you are emotionally vulnerable.

3. Not adequately insuring against catastrophic risk: Every year families are financially devastated because they are not protected against disaster. Loss of home and assets to fire and flood are very common events that a surprising number of people do not protect against with insurance. You should also protect against disaster common to your area. Earthquakes and tornadoes for example. Just as important is some kind of life insurance to protect your loved ones in case of death.

4. Falling for the slick salesmen pitch: They say a sucker is born every minute. And you can be sure there is a slick salesmen waiting to take advantage of every one of them! You should never enter into any financial decision based on salesmen pressure tactics or one-time offers. Great deals that can not wait for you to think on it or obtain a second opinion are often financial disasters waiting to happen.

5. Not planning out your financial future: For many people it is so much easier to put off the tough financial planning right now and get to it someday in the future. Well we know how that story goes. Years into the future many families are neck deep in debt with no relief in sight. And it could of all been avoided with some sensible planning. Talk to a financial planner today so you can be debt free tomorrow!

There you have it. Five important financial mistakes to avoid so you can be both debt and worry free in your future. No matter where you are at right now financially, it's not to late to get started. Make an appointment with a financial planner today and get your financial future properly planned out. It's one of the most important things you can do for your family and for yourself.

Graphic Design: Degree Or No Degree?

Through my design career I have come across many job adverts for a graphic designer 'with a degree'. It always made me feel a little frustrated – "If I do not have a degree do you automatically assume I will not be good enough to join your company?". Surely a designer's portfolio and / or experience should say more than a piece of paper with a qualification on it.

I studied for a higher national diploma in graphic design at college and when the course finished I had the chance of pursuing a degree in graphic design or go for an advanced diploma in art and design. One of my lecturers told me that the degree contained more theory work where the advanced diploma was more practical. I opted for the practical work … after all that's what graphic design is.

The advanced diploma was only a year of study but most of the work was project based even if the deadlines were a bit too generous at times. However, since leaving college (armed with my qualifications) I admit that I learn more during my first design role and by teaching myself. That kind of education never stops with the design world and technology continuously changing.

This led me to question the importance of a degree as a designer and I know that I'm not the only one to ask this. In my honest opinion a degree does not automatically make someone more creative and successful than a designer who is self taught or who has learnt on the job. Their portfolio should be the strongest reflection of their skills and abilities especially when it comes to finding employment. Do companies advertising for a designer 'with a degree' honestly think that they are going to employ a better designer or is it a status thing?

Now I know that things have changed since I was at college so I thought I had a look at what degree courses my local college offers and found that they offer a BA in Art and Design. Here are the modules:

Year 1: Visual arts; applied crafts; digital arts; site specific design; graphic design; performance related design; web design; animation; self-employment; video production; community art; textile design; teacher or lecturer.

Year 2 : Creative skills and concepts; integrated project; visual literacy; digital applications; specialist options: skills development; contextual studies; personal development planning.

Year 3: Creative practice; contextual practice; specialist options: skills application practice; research skills; critical and contextual studies; pathways and concepts; professional and studio practice; professional and contextual studies; creative futures.

I did not study most of this stuff and I've spent 9 years in design studios working on a wide variety of projects of all sizes and with good feedback. I'm now working full-time as a freelancer trying to grow my own business. I like to think that I turned out okay without a degree.

So I guess my question is … does a degree make a better designer or is it all down to natural creative flair, experience and keeping up-to-date with the latest trends?

Birthday Gag Gifts

A gag gift for a birthday is way cooler than an ordinary, useable gift. Give the following gag gifts to your loved ones, and see how the person will love you more.

For the always late officemate, give him a backwards clock. Written in reverse, this clock will definitely drive your officemate nuts in no time.

For your conceited teenage sister, give her the laughing mirror. This is the mirror that will laugh every time someone grabs hold of it and looks into it. Your sister would definitely love you more when she gets laughed at by the laughing mirror!

Give fake cat poop to your obsessive-compulsive friend. Scatter it all over her bedroom floor, or, better yet, on her mattress to make her birthday complete.

For your love-sick aunt, give her the art of kissing book. So when she reads it, she gets to crave someone to do the kissing with. For additional fun, include the barf-scent breath freshener so she can enjoy her kissing moments even more!

Your long-haired rocker friend describes the bald head wig. This way, he can have the feeling of having a shaved head for a little while. Or maybe he can even pretend to be a hard-core punk!

The exploding lighter coupled with the exploding cigarette pack is perfect for your buddies who incessantly smoke every time you are together. Nothing will make their day better and your day more hilarious than playing this great prank on them!

If you want your loved ones to love you even more, make sure you give them meaningful gifts that will stick in their memories for the longest time. For that to happen, gag gifts are your best choice.

Honeymoon Vacation Packages

Newlywed couples derive immense thrill from honeymoons in exotic destinations. Honeymoon vacations give them an opportunity to spend intimate time together far from the world of anxieties and worries. Hotels and resorts in renowned and much-sought-after honeymoon destinations offer special honeymoon vacation packages to their prospective clients. The packages ensure a hassle-free time of comfort and leisure for honeymoon couples who do not have to take pains to arrange for different services, since they are generally included in honeymoon vacation packages.

A typical honeymoon vacation package in the enchanting island of Hawaii begins at $510 per night for a honeymoon couple. This exclusive package includes a premium ocean-view room, convertible rental car, a chilled bottle of champagne upon arrival, a daily breakfast buffet for two, and dinner for two one time during your stay ($100 value)

If couples are contemplating a honeymoon vacation in San Francisco, rates start at $245/night for a club level room, and from $315/night for a club level suite, and include a club level room or suite, champagne upon arrival, complimentary continental breakfast buffet in club level lounge, handmade chocolates at turndown, and special bath amenities.

Las Vegas is one of the favorite destinations for honeymoon vacationers, and most of the renowned hotels and resorts in Las Vegas promote premium and economical honeymoon packages.

Las Vegas hotels offer a great deal more than just betting activities to couples spending their honeymoon holidays in the enchanting tourist locale. Most of the resorts are known for their characteristic appeal and elegant swimming pools, shopping, health spas, nightclubs, restaurants, and other amusements.