5 reasons you’re in debt

first_img1. You justify your purchasesDon’t try to rationalize those unnecessary purchases. On some level, we are all guilty of this. Between “I deserve this” and “I need this,” we’re constantly making excuses for spending money. This doesn’t mean you can’t treat yourself, but do it affordably and make sure you budget for it.2. You refuse to address your debtThe first stage of grief is denial and dealing with debt can look very similar. Do not ignore your debt. As difficult as it is, you need to face your debt head on. Understand what you owe and create a plan of attack so you don’t have to experience the four remaining stages.3. You are an impulse spenderWith next day shipping and one-click shopping this has never been a more prevalent issue for consumers. These purchases are beyond even trying to justify, even if that Ewok dog costume is on sale and its adorable. That impulse is what is hurting your wallet. Try holding off on some purchases unless you’ve given them some thought. By all means that Ewok costume may be a need for you, but sometimes spending some time thinking about a purchase will help you remember that you don’t even own a dog.4. You assume you are going to make more laterA great example of this is taking on student loans. Most students don’t have a choice if they want to go to college, and are now graduating with debt upward of $40,000 in hopes that they can land a job that will pay them enough to pay it back. In other cases, people are making purchases because they think they will be up for a promotion or have a raise around the corner. Even if all of these things do come to fruition you will still be paying more in interest than you would if you’d just wait.5. You often dip into savings for expensesJ.P. Morgan has a famous quote where he said, “if you have to ask how much it is, you can’t afford it.” When you look at a price tag and immediately start thinking about how to move money around, take a step back. Once that money goes into your savings, it should disappear from your thoughts. The only time you should ever spend money from savings is when something happens that makes it necessary to use your emergency fund. 53SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tyler Atwell Web: www.cuinsight.com Detailslast_img read more

Lemax as a tourist export product: Leading Indonesian tour operator starts implementation of Croatian tourism software

first_imgAn interesting fact is that Lemax has only one product of its own, a unique software solution of its own, which is intended for travel agencies and tour operators. The cooperation with Panorama Destitanion continues the global market presence of Lemax, and after Asia Trails, this is another international success and export of Croatian knowledge.”We are proud that Panorama Destination has recognized the quality of our software solution and selected us as a partner for implementation in the global market. We are convinced that full integration will lead to the achievement of customers’ goals. ”  points out Mate Kostovski, director of Lemax. The realization of the contracted phases of Lemax software implementation will enable the Panorama Destination Group to respond faster and more efficiently to incoming inquiries, deliver current offers, faster and more accurate invoicing to customers, all thanks to a fully automated sales flow. Sales and marketing automation tools will increase revenue and profit, and the new automated questionnaire and inquiry confirmation process is expected to increase Panorama Destination’s booking capacity by as much as tenfold.  Lemax today has more than 120 users on all continents except Antarctica Lemax signed the largest single contract with Asian Trails travel agency in Thailand late last year to support the work of more than 700 employees with over 4000 partners and 8 markets that together cover almost a third of the world’s population, a big step towards opening the Asian market. They are also present in nine global markets, which include Iceland, Thailand, the United Arab Emirates, New Zealand, Denmark, the United States, Italy and Mexico.  Mate Kostovski, director of Lemax / Photo: Lemax Lemax is web travel software that automates sales, marketing, operations and finance. For more than 20 years, the Croatian company has created and implemented software solutions for the tourism industry, offering digital business solutions to tour operators and destination management companies (DMC). Today, Lemax software is used by more than 120 users in more than 50 countries on six continents, with a total annual transaction value of € 1,35 billion. center_img RELATED NEWS: As they point out from Lemax, their software will provide greater automation in business, enabling the processing of more bookings with increased efficiency, faster invoicing and reporting, expanding sales channels and maximizing revenue. Lemax, an IT company that develops and sells Lemax software for travel agencies and tour operators in the global market, has started the software implementation process with the leading Indonesian tour operator Panorama Destination to enable the upgrade of the web-based back office system.  Panorama Destination is a leading Indonesian tour operator that TTG Asia, the most popular destination company for MICE, has named the best tour operator in Indonesia. Last year alone, more than 115.000 incoming tourists used the services of one of the group’s offices. Founded in 1999, they employ more than 500 tourism professionals and 250 licensed tour guides specializing in travel services in Indonesia. With branches in key tourist destinations in Sumatra, Java, Bali, Lombok, Flores and Sulawesi, Panorama Destination provides a standardized service throughout the country that they want to modernize and adapt to new travel trends. MATE KOSTOVSKI, DIRECTOR OF LEMAX: WE HAVE ONLY ONE, OWN PRODUCT, AT THE SAME TIME RECOGNIZED ON THE GLOBAL MARKET AS THE LEADER IN THE INDUSTRYlast_img read more