Tips for gambling responsibly

Everybody can enjoy a good casino game as the excitement that winning a bet can bring its fantastic, as well as the fact that when you win at a real online casino you get your money back plus whatever the multiplier was. This can lead many people into gambling for fun after a hard days work but also for some people gambling too much and making them feel guilty about it. The fact is the gambling can be addictive and so takes some self-control and foresight in order to prevent this from happening. However once you look into how to gamble responsibly you can then gamble without worry or care as it will just turn into an enjoyable hobby.

In order to do this what you have to do is work out your budget so that you know how much excess money you have each month, then out of this number would How much you are willing to spend at an online casino. Remember the games may have funny names like curry in a hurry, but they are still for real money. This amount you decide on will then become your limit and so you will not just putting in money to the casino whenever you feel like it but instead you keep track and know how much you are willing to spend. With this limit in mind you will also play more conservatively and so the money will actually last longer than if you did not have a limit. Also you will only bet on things that you think you can win and so might actually see an improvement in how much money you win.

With this limit in mind you should also look into online casino reviews so as to find the best website for you, these online casino review websites often mention the different games also available as well as how trustworthy the actual site is when it comes to your money. There is no point putting money into a website that you do not trust as you will always feel worried about being able to get the money out that you win.

The financial side of keeping pets

In 2013 13 million (45%) of households keep pets. That is a total pet population of nearly 71 million; 24.5 million if you exclude fish. The most popular pets in the UK are fish, most in tanks but followed in second place by those kept in ponds. They are followed by dogs, cats, rabbits, caged birds, domestic fowl (chickens etc), guinea pigs, hamsters and in tenth place, horses and ponies.

If you’re considering keeping pets, (we’ll exclude keeping horses), your most expensive outlay will be housing them, and in most cases, this is fairly cheap. Insuring them is a must, as vets’ bills can really hurt your wallet, but if there is an emergency, you can always use the option of a short term loan from the likes of wonga.com, or your regular bricks and mortar bank if you don’t mind a slower turn-around time.

Although fish are very cheap to keep, the initial outlay of a tank or pond can be expensive. Tanks are normally available second-hand from eBay, Freecyle or your local Facebook group. They need little maintenance either; cleaning monthly, feeding every-other day and removing the occasional dead fish. Although they are delightful to watch and can be a great hobby if you’re intending to breed them, they’re don’t offer much in the way of petting.

The first pet for a child is very often a rabbit, hamster or guinea pig. Again, they are economical to keep and can be a valuable tool for teaching children about the life-cycle. A small hutch or tank cleaned regularly, and some animal-specific food with the odd treat or fresh vegetable peelings are all they need, with some toys to keep them entertained.

Cats and dogs can be as expensive as you want; a pure-bred animal can cost hundreds of pounds but make use of the rescue centres; they only ask for a small charitable donation and you’re giving a homeless animal a family they deserve. You don’t need expensive bedding; an old blanket is all they require, and toys (as long as they are safe) can be an old child’s toy or a stuffed pair of tights! The introduction of a cat or dog can be of enormous benefit. They can be a friend to a child, company for an elderly relative and with a larger dog, a way to keep you fit with the long walks they require!

Caged birds like budgies or parrots can again be great company, and you could even teach them to talk. A decent sized cage with toys to stop boredom is your initial outlay, but food is cheap and bedding is simple.

Keeping fowl can be enchanting; until you do, you won’t understand quite how distinctive their personalities’ can be. Installing a good sized shed for protection, warmth and a place to lay eggs is an absolute must, and they also need a good area to roam around in and peck for grubs and vegetation. This can be expensive; some chicken houses run into hundreds of pounds. Again, check one of the second-hand sites. Once you have this, food and bedding is very cheap. Layers pellets, a little corn and vegetable waste for treats keep them well fed and some straw to keep them warm do little harm to your wallet.

Lifestyle Carnival- March 16th

Welcome to the March 16th edition of the Lifestyle Carnival. Enjoy!

TRAVEL

Don @ MoneySmartGuides writes 4 Basics to Consider When Investing in a Rental Property – Are you interested in investing in rental property? If you are just getting started with rental properties, then you need to know what to look for when

Ted Jenkin @ Your Smart Money Moves writes Is It Worth Going To Conferences? – When you work for a large corporation, you don’t have much of a choice about whether or not you go to the company conference.

Mike @ Personal Finance Journey writes Landlords Insurance and why it is the Smart Financial Move – How taking out the right insurance can be important as an investor in tenanted properties.

Larry @ KrantCents writes Do You Live to Work or Work to Live? – Do you live to work or work to live? This is an important question, but rarely taken seriously!

Jeremy @ Modest Money writes Four Pieces of Your Marketing Plan – Marketing plan is your strategy for getting your product out into the world and turning a profit from that product. I am glad to share with you the marketing analysis strategy.

Christopher @ This That and The MBA writes Travel on a Budget – Do you dream of taking a vacation to one of your favorite destinations only to be awakened by the fact that you do not have adequate cash to take that trip? Discount travel packages make those dreams a reality. Having the ability to travel cheaply does not mean that you always get the best deal so it is important that you do your due diligence.

Justin @ Root of Good writes Smart Travel Through Geographic Arbitrage – Want to find out how to visit countries where everything is on sale? Check out foreign exchange rates for your top choices and visit the country with the weakest currency right now. Chile, for example, is 17% cheaper than one year ago. Everything is 17% cheaper!

Mark Ross @ Money Saving Dude writes 11 Ways You Can Do To Save Money While Traveling – Want to know how you can save money while traveling? Check this article right here, and know the different things you can do to save money while you enjoy your vacation.

Crystal @ Budgeting in the Fun Stuff writes Renewing Our AAA Membership - Read my views on AAA membership and why I renew ours each year!

Daniel @ Make Money Make Cents writes Where exactly IS the Best Place to Retire? - If retirement is approaching for you and you are planning on making a move to spend your golden years in an area of the world where you can stretch your budget, a new report says that you should be taking a good look at Europe.

 

FASHION

Alice @ Hurricanes, Panties & Dollars writes The Chick Kit - Turning a otherwise useless empty Altoids container into a spiffy, carry it everywhere chick kit. Just what every girl needs. You can make one for yourself or use it as a sassy gift.

 

HEALTH

Alice @ Drop the Cookies! writes Tracking Weight Loss Successfully - One of the best ways to set yourself up for weight loss failure is to only track your weight. Sure jumping on the scale and seeing the numbers go down is an accurate way of seeing if your body weight is lower.

Monica @ Monica On Money writes 7 Better Ways To Spend Your Tax Refund – If you are getting a tax refund this year, it is time to make a plan on what to do with the extra money. Otherwise, without a plan, who knows where all that money will end up.

Amy @ Money Mishaps writes Have a childhood savings bond? Here’s what you can do it – Although it was not always a welcome gift, many children got savings bonds for birthdays and other holidays. The goal behind them, in most cases, was to have something ready when it was time to pay for college.

Little House @ Little House in the Valley writes Hectic Week Means Less Time – Getting through busy weeks like this without losing sleep is my top priority. I’m sure that things will slow down eventually, but as of right now it’s looking like the next three weeks will be just as busy as the past four.

 

ENTERTAINMENT

Miss T. @ Prairie Eco Thrifter writes Can You Afford a Pet? - Though I am a huge advocate for animal ownership, there are a few things you have to consider before taking in a pet of your own. The biggest consideration is whether or not you are willing and able to keep a pet for the duration of it’s life, and the second is whether or not you can afford to keep a pet. Usually, the first answer will depend on the second.

Cat @ Budget Blonde writes Awesome Solopreneurs: Women’s Power Wednesdays – In commemoration of Women’s History Month, my friend Shannon from Financially Blonde was kind enough to suggest that we celebrate fellow female bloggers.

Natalie @ Debt and the Girl writes My Student Loan Debt Story – It is often discussed how much student loan debt a person has or carries. There are many tales of unfortunate circumstances where a hard working student is left with more debt than some people carry on their mortgage.

Harry Campbell @ Your PF Pro writes A Review of the Big Short by Michael Lewis - Before I read The Big Short by Michael Lewis, I had no idea what credit default swaps and collateralalized debt obligations(CDO’s) were. But Lewis does a great job explaining what went on during the years leading up to the subprime mortgage crisis and where it all went wrong. I always knew that the economy got royally f’d by the housing market in 2007-2008 but I never really knew why until reading this book. I was in college during 2004-2009 and the economy was really the least of my worrie

 

WEALTH AND RETIREMENT

Debt Guru @ Debt Free Blog writes IRS Issues: How to Deal With Being Audited – Each year, more find themselves facing an IRS audit for back tax returns. Just about everyone is subject to being audited at one point or another.

Mrs. Accountability @ Out of Debt Again writes Do This One Thing First Before You Get Into Multi-Level Marketing (MLM) – This is a True Confessions post, one wherein I bare my soul and most embarrassing financial moments.

SBB @ Simple Budget Blog writes I Do…the Budget: How to Save for a Wedding – Weddings can be very expensive. Here’s how you and your future spouse can budget the funds for a memorable wedding.

Maria @ The Money Principle writes Making Money for My Life: Ideas will Become Plans – Most personal finance is about spending less money; the fact is that sometimes people earn so little that the only way up is to start making money.

Lauren @ L Bee and the Money Tree writes 4 Financial Mistakes that Weren’t….. – We all make mistakes. We also all make financial mistakes. Trust me, I read a lot of personal finance blogs and have met some of the titans in the industry, and no one is perfect. With my birthday (March 10th!) just around the corner, I have been in a very reflective mood of late.

Lindy @ Minting Nickels writes Can LinkedIn Be Harming Your Job Search? Key Mistakes That LinkedIn Users Make – When you want to network in your field, where do you go? LinkedIn boasts over 200 million users with an impressive 35 percent of all users logging into the service. Read these mistakes that many make when using the LinkedIn service.

Crystal @ Married (with Debt) writes Credit Score Curiousity - I monitor my credit score 3 times a year. You can access your free credit report from 3 bureaus once per year, so simply check one every 4 months.

Hank @ Money Q&A writes How You Can Budget With A Credit Card – My wife and I budget a little differently than most families. We budget with a credit card. We use a credit card for most of our purchases instead of cash and monitor our family’s monthly spending.

Jacob @ AllPersonalFinance writes Tips for Keeping Track of Your Investment Earnings – There are a wide-range of investment opportunities out there. You can invest in cattle farms in Kansas, tech companies in China, a retail outlet in Germany, and a gold mine in Peru. Even with so many different investments, every investor is looking for a return on their investment.

Aaron @ Aaron Hung writes Is it better to live Debt Free and pay the Mortgage with your 401(k)? - In the quest to become debt free people can sometimes make decisions that might negatively affect their future financial growth.

Justin @ Edward Antrobus writes Considering ETFs? Here’s How to Get a Good Deal - ETFs can be purchased practically anywhere you can buy a stock, either through a broker, or a brokerage account.

Oscar @ Money is the Root writes What Do Americans Really do with Their Tax Refunds? - Surprisingly the IRS has already issued over 31 million refunds in 2014 and the average refund so far is $3200. Despite their best intentions however, the average American finds it quite difficult to save that money.

Don @ Money Reasons writes Why You Should Not Own Bitcoins And I Never Will – As a computer guy, there are the reasons why you should not own bitcoins and I never will.

Wayne @ Young Family Finance writes Class Trips: Fundraising Ideas for Your Child’s International Adventure – Class trips these days are to places like London and Costa Rica instead of the local beach. Here are a few fundraising suggestions to raise money for these one-in-a-lifetime adventures.

SavingMentor @ How To Save Money writes Babies Are Free??!! – When I asked a friend how much I should save for a baby’s first year, her answer took me by surprise. She said her baby was essentially free. Free??!! The Globe And Mail estimates that we need approximately $8,000 for the first year alone, which is a much higher amount than “free”. Free in terms of the cost of a new baby is just impossible.

JP @ My Family Finances writes Saving Money in the Kitchen – Here are a few homemade tips for saving money in the kitchen.

Adam @ Stop Worrying About Money writes Day 6 – Do 1% Better Today (And Every Day) – Today’s topic is a special one, because today’s topic is really the heart of this entire month-long project. Today’s task: Do 1% Better.

Sustainable PF @ Sustainable Personal Finance writes Do You Put Your Ideals Ahead of Your Pocketbook? – There are times when adhering to your ideals is cost-efficient. Not everything is like that, however. There are times when your ideals can cost you money.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Marissa @ Finance Triggers writes Quirky tips for conserving cash – Here are a few quirky tips for saving some cash. Read on to find out how you do not have to turn your life inside out to gain control of your finances.

Jeremy @ Modest Money writes 3 Creative Ways to Save at the Store - Save at the Store by taking advantage of price match guarantees, using coupons the right way and by Scheduling your shopping.

Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.

Andrea @ So Over This writes Getting the Most Out of Your Children at Tax Time! – When it comes to school, grades and sports, all parents hope that their children will be a credit to their name. At tax time however, this can literally be the case.

Hadley @ Epic Finances writes Why Dunkin’ Donuts is an investor’s breakfast of champions – With Wall Street expecting $.40 in earnings, Dunkin Brands, the purveyor of some of the most delicious doughnuts (and relatively good coffee) in the US surprised the market with fourth-quarter earnings of $.43.

Matt @ Budget Snob writes Should you consider refinancing a student loan? – One of the biggest debts that the average American has is their student loans from college. Recently there has been a lot of talk about refinancing a student loan. We look at a number of different factors that you should know about before making a decision on whether to do this.

Danielle @ Saving Without a Budget writes Most in US Have No Savings to Speak Of, Unfortunately – The average American continues to struggle when it comes to saving money due to problems like prolonged unemployment, underemployment and stagnant wages.

Jen Perkins @ Master the Art of Saving writes 10 Ways to Save More Money (Even If You Don’t Want To Be A Couponer) – Couponing for the last 5 or 6 years has taught me many things. Things I never really paid attention to before I started using coupons. Since not everyone is interested in learning about coupons or even extreme couponing, I thought I would share some of my enlightenment with you all.

Gretchen @ Retired by 40! writes Aldi vs. Sam’s – Is the Warehouse Club Worth It? – Warehouse clubs are hawked as a money-saver. But are they?

Financial Underdog @ Money Ramblings writes How I puffed away (some of) my retirement – Find out the lifelong cost of smoking and how much money you’re really puffing away

Gretchen @ Retired by 40! writes Aldi vs. Sam’s – Is the Warehouse Club Worth It? – Warehouse clubs are hawked as a money-saver. But are they?

 

HOBBIES

Alexa @ Single Moms Income writes 6 Financial Tips for the Job Search – When you are looking for a job, you get into a financial vicious circle, as you look for a job to have a better financial situation, but you have to be on a budget until you find a perfect working place for you.

Marissa @ Thirty Six Months writes 8 Gift Ideas for Different Types of Him – Is it just me, or are boys harder to shop for than girls? Whatever the occasion, most people can use a little help with gift ideas.

Bob @ Dwindling Debt writes Protect your Tax Refund from Identity Thieves – What could be worse than having to file your taxes this year? How about having an identity thief steal your tax return check?

Jack @ Money Saving Ethics writes Moving? Make sure you protect yourself, not just your furniture – Did you know that moving is consistently ranked as one of the top 5 biggest stressful events in a person’s adult life? It is true, but while moving is definitely bad enough, being scammed by your moving company is probably a bit worse.

Mr. 4HWD @ The Four Hour Work Day writes Work is More Fun When You Don’t Have to Work – For a while there, the thing I wanted more than anything else in this world was to retire early. Sippin’ pina coladas on the beach sounded pretty good compared to working 8 hours a day in a tiny cubical. But during the past few months, I’ve had a slight revelation. What fun is early retirement if you have no one to enjoy it with? If all your friends are still working then what the hell are you going to do every day for the 8-10 hours you’re alone? There are only so many activities you

 

GOOD EATS

Jen @ Prepping is Sexy writes Food Insurance: Keeping Your Family Fed – I can’t be the only one noticing the skyrocketing prices everywhere. Products, both food and non-food items just keep getting more expensive. So what can you do? How can you ensure that your family will be able to eat if this continues?

Mr.CBB @ Canadian Budget Binder writes Twice Baked Potato Skins – You haven’t tried twice baked potato skins before? Well you are missing out but today I have a potato skin recipe that you will add to your recipe list, that I can guarantee.

eemusings @ NZ Muse writes The single most defining food experience of my life - How visiting Italy changed my entire outlook on eating