Timeshare Presentations and Owning a Home at 26 with Tiffany Grant

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Tiffany Grant is a self proclaimed money nerd and after years of giving impromptu advice to family and friends she started a blog Money Talk with T where she covers a wide variety of money topics from saving for retirement to paying off student loans.

On Money Talk With T – Tiffany offers practical tips and tricks to use in everyday life and she shows how to live below your means so you can retire comfortably.

By saving, keeping a close eye on her credit and living below her means, she bought a house at the age of 26 while being a single mom of 2 kids. She has aspirations of being debt free (beside her house) by the age of 30.

 

In this episode we cover:

  • The important things that people need to know about timeshares
  • The sales tactics and demographics timeshares target
  • Why we would go to another timeshare presentation (we love the perks)
  • Buying a house in your twenties
  • Tiffany’s favorite personal finance podcasts

Resources Mentioned:

Tiffany’s Articles: 

Danielle’s Articles

Why I Asked For A Refund 2 Days After Buying A Timeshare

First-Time Home Buyer Tips for Buying a House in Your Twenties

 

Personal Finance Podcasts: 

Ramsey Solutions Podcast: Listen to debt free screams and personal finance questions from live callers.

The Clark Howard Show: Find deals, frugal living, and other money-saving tips.

Stacking Benjamins: This show infuses humor into financial topics and is a good fit for those who know a moderate amount about personal finance.

Motley Fool Money: More advanced financial topics, specifically investing.

 

Connect with Tiffany:

Blog: https://www.moneytalkwitht.com/

Facebook: @moneytalkwitht

Instagram: @moneytalkwitht

Twitter: @moneytalkwitht

YouTube: Money Talk with Tiff

 

See you next time for Episode 5 where we analyze 2017 airfare trends.

Do you have a travel fund? Listen to Episode 2: Why You Need a Travel Fund and learn why having a travel fund is an important part of making travel a financial priority.

 

Have you considered buying a timeshare? Why or Why not?

 


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Richelle Gamlam Teaching English in China

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Richelle Gamlam is a serial expat, travel blogger and spicy food lover who has spent the last five years living in China and traveling around Asia.

For more stories and misadventures, be sure to check out her blog Adventures Around Asia where she writes about Asia off the beaten path.

During her time in China, Richelle taught and worked in many different capacities.

As an oral English teacher she taught over 1,000 high school students at a Chinese public high school. She has also worked part-time at agencies teaching children, tutored pre-schoolers and even taught Business English to Chinese businessmen. Most recently she worked as a college counselor where she helped Chinese students get into U.S. universities.

Richelle has since quit her job to become a digital nomad exploring places, activities, and cultures most people miss in Asia.

 

In this episode we cover:

  • What inspired Richelle to study abroad in Beijing and Xi’an
  • Teaching English in China
  • Why teach abroad programs may not be the right fit for you
  • What is the TEFL certification?
  • Do you need the TEFL certification to teach English online?
  • Types of teaching jobs in China
  • Salary ranges for teaching in China
  • Spicy foods to try in China

 

Resources Mentioned:

Do I Need a TEFL to Teach Abroad in China?

TEFL Promo Code – Get 30% off with promo code “ASIAADV”.

Teach Abroad Mini Course: Teaching in China Made Easy

China Job Board

 


Want to teach abroad in China?

Here are 2 more valuable resources for you!

 

Join Richelle’s 3-Part Training Series.

  • Find a high paying job
  • Learn how to teach
  • Learn how to thrive in China

 

Join Richelle’s Facebook Community: China Teach Abroad Community.

This group is for you if you:

  • Want to teach in China someday
  • Are in the process of applying for jobs in China
  • If you’re already a teacher in China

 

Connect with Richelle:

Blog: https://www.adventuresaroundasia.com

Facebook: @adventuresaroundasia

Twitter: @adventures_asia

Instagram: @adventuresaroundasia

 

See you next time for Episode 4 where we chat with Tiffany Grant about timeshares and owning a home at the age of 26.

New to the podcast? Learn what The Thought Card is all about by listening to Episode 1.

 

Have you considered teaching abroad? What’s holding you back?

 


 

If you are getting value from The Thought Card, show me some love by subscribing and leaving a review! Podcast reviews are important because that’s how podcasts rank and get found more easily. It’s also how I can get awesome guests on the show like Richelle.

 

How to subscribe to the show?

  1. Head to your favorite podcast player.
  2. Search for “The Thought Card”.
  3. Find it.
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The Thought Card Podcast Episode 2: Why You Need A Travel Fund
Do you save for your travel expenses separately?

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Travel doesn’t have to be expensive but it does cost money. If you want to start traveling but know that in order to do so you need to make tweaks to your budget then the first thing that I recommend doing is starting a travel fund.

 

In this episode we cover:

  • What is a travel fund?
  • Why is a travel fund important?
  • How to get started with a travel fund?
  • Where to stash your travel savings?

 

What is a travel fund?

A travel fund is a powerful tool that you can use to help you save money for travel.

A travel fund is a dedicated bank account (checking, savings or money market) devoted to your travel savings and expenses. With a travel fund you’re intentionally saving money for travel and when it comes time to spend, you have a stash to pull from.

The point of a travel fund is to have money available for travel when you need it.

 

Why is a travel fund important?

A travel fund is important because it’s so much easier to save money for travel when it has its own home – a dedicated bank account separate from everything else.

 

#1 It’s a lot easier when you keep things separate.

When you commingle funds you are less likely to achieve your goals. Even with the best intentions, it’s easy to overspend when all of your money is jumbled together in one bank account.

So if you ever have to pay for a flight or want to go on a spontaneous weekend getaway, you can tap into the funds you set aside specifically for travel expenses like flights, lodging, attractions and more.

 

#2 Avoids overspending.

A travel fund can also help you avoid getting into debt and paying high balances on your credit card. At a glance you can check your balance and know exactly how much you have available to spend on travel.

 

#3 Keeps you grounded.

A travel fund can keep your wanderlust in check and brings clarity to your finances.

 


Join the FREE Travel Fund Workshop

How To Start A Travel Fund and Not Stress About Upcoming Trips

 


 

Treat travel like a recurring bill.

How important is travel to you?

If travel is important then consider treating it like a recurring bill. As a recurring bill you’ll set money aside for it every single month. Put travel right up their with your car insurance, rent and gym membership.

Make travel a financial priority in your life by including it as a line item in your monthly budget.

If you treat travel like a recurring bill you can potentially save hundreds or maybe thousands of dollars by the end of the year. It all depends on how aggressively you want to save for it.

 

How to implement?

To do this, I recommend setting up a direct deposit with your employer. This way your money will get directly deposited into your travel bank account every time you get paid.

 

Helpful Tip: Don’t wait for the day after or even the week after to make this transaction, do it when you get paid.

The set up process is easy.

 

Here’s how to set up your travel fund:

  1. Figure out how much you want to save towards travel every pay period.
  2. Set up direct deposit with your employer.
  3. Go about your life – set it, forget it and watch it grow!

Now if you want to schedule additional automatic transfers after you get paid to accelerate reaching your travel goals, by all means go for it! I believe in you!

 

See you next time for Episode 3 where we chat with Richelle Gamlam about teaching English in China!

New to the podcast? Learn what The Thought Card is all about by listening to Episode 1.

 

Do you have a travel fund? Why or why not?

 


 

Hey, if you are getting value from The Thought Card, show me some love by subscribing!

Don’t forget new episodes drop every other Thursday.

 

How to subscribe to the show?

  1. Head to your favorite podcast player.
  2. Search for “The Thought Card”.
  3. Find it.
  4. Hit Subscribe – You’re Done!
Danielle Desir The Thought Card Podcast host
Everything you need to know about The Thought Card Podcast!

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Welcome to The Thought Card!

I’m so glad that you’ve joined me. I’m your host Danielle Desir.

The Thought Card is a travel and money podcast. It’s actually a spin off of my award-winning travel finance blog The Thought Card.

If you don’t already know about the brand, you can learn more about me here.

 

More about your financially savvy host

In a nutshell, I’m passionate about helping people be intentional with their money and make informed financial decisions. But it doesn’t stop there.

I geek out over saving money and finding creative ways to spend it. Some people call me “frugal” but I prefer “budget conscious”. I believe in saving and splurging on the experiences that matter.

I’m not opposed to spending money. I’m just opposed to wasting it.

I’ve traveled to over 24 countries by scoring cheap flight deals and leveraging credit card rewards to afford more travel.

 

You’ve come to the right place if you want to:

  • Afford to travel (more)
  • Build wealth
  • Discover destinations around the world
  • Learn how to crush your financial goals
  • Optimize your financial situation
  • Pay off student loans
  • Shift your mind set
  • Stop living paycheck to paycheck and more!

 

What you can expect from The Thought Card

Join me every other week (on Thursdays) as we tackle travel and personal finance issues head on. Hear from inspiring guests who are traveling the world, crushing their financial goals and living life on their own terms. Other days it’ll just be me diving into topics that are near and dear to my heart.

 

How can you get involved

There are so many ways to get in touch!

  1. The best conversations happen here so after an episode leave a comment with your thoughts and let’s chat! Every episode will have it’s own show notes page.
  2. You can also leave me a voicemail. See the “Send Voicemail” tab to the right of this page? Hit that and simply record a question or leave a suggestion. I love hearing from you!
  3. Or send me an email at thethoughtcard (at) gmail (dot) com.
  4. Connect with me on social media: I’m active on Twitter, Facebook and Instagram.
  5. Lastly, if you prefer to read my content, there are over 180 blog posts that you can check out on The Thought Card (the blog).


 

If you are finding value from these episodes, be kind and leave me a review. Reviews are how podcasts rank and get found. Oh and please subscribe so that you’re the first to know when new episodes drop.

You can find “The Thought Card” on Apple Podcasts, Stitcher, Spotify and Google Play Music.

How to subscribe to the show?

  1. Head to your favorite podcast player.
  2. Search for “The Thought Card”.
  3. Find it.
  4. Hit Subscribe – Woot Woot!

 

See you back here for Episode 2 where we chat about the importance of having a travel fund.