Audio Inspiration: 9 Instruments You Can Fall in Love With Learning to Play

Learning to play a musical instrument is one of the best gifts you can give to yourself. It may not be easy to learn to play an instrument, but the process is rewarding and never-ending. There is always something new you can learn about the instrument and the music you can play.

Once you become adept at playing, you can share your love of music with others. You might even be able to create music that you can sell, too. Since people are always looking to buy pop instrumentals, learning to play an instrument could be lucrative.

1. Pianos or electric keyboards

Every instrument has its own challenges and the biggest challenge with learning to play the piano is the cost of buying a piano. Fortunately, there are inexpensive electric pianos and keyboards that function the same way as a traditional piano. When you sit down to play the piano, it is helpful to have some understanding of reading music. But, there are always people out there who learn to play by ear, they listen to the sounds of the keys and learn songs without having to read music. Many bands look for people who can play keyboards, so you could have an outlet to perform when you get to that level of experience.

2. Classic six-string guitars

The best type of guitar to learn on is the classic guitar – rather than the electric version. To play the guitar, you have to learn finger placement for a variety of chords. You also have to learn how to hold the guitar and strum it. Eventually, guitar players learn how to pick the strings with individual fingers, but chords and strumming are first. Learning to play the guitar gives you the possibility of playing in a band or learning to sing and play at the same time.

3. The affordable ukulele

If you want to play the guitar, but the price is prohibitive, a ukulele is a good replacement option. These little string instruments are easy to learn, simply because they are so small. The strings are soft nylon, so they do not hurt as much as guitar strings can. While guitars have six strings to use with your four fingers and one thumb, the ukulele only has four strings. Ukuleles have that fun Hawaiian sound that many people find endearing. They are affordable, easy to learn, and easy to fall in love with, too!

4. The sweet sounding violin

This is one of the first instruments that young children learn to play. And, many children absolutely love playing this instrument. So, if a child can do it, so can an adult. With an instrument like a violin, it might be best that you rent one until you decide whether or not you want to invest in one.

Violins are not just for classical music anymore. They can be used to play nearly any style of music as musicians have shown on popular talent TV shows.

5. Accordion coordination

If you are looking for a challenge, the accordion could be just the thing for you. This is not an easy instrument to learn as it involves using both hands to play and the arms, too. Despite the challenge of working the bellows and using your fingers to play the keyboard, chords, and switches, people do learn to play the accordion rather quickly.

The instrument is fun to play and offers plenty of benefits like improved coordination and self confidence. There is nothing quite like it in the music world and you could easily find a band to join.

6. Move beyond air drums

If you frequently find yourself playing air drums with your favorite songs, then a drum kit might be the perfect choice for you. However, if a drum kit is not something you can easily put in your apartment or home, then you might want to consider something small, like bongos or an electronic pad. Drums are one of the more affordable musical instruments – until you decide to invest in a high-quality drum set.

It doesn’t take long to fall in love with playing the drums. It is a highly physical activity – even if you are sitting down to play them. They relieve stress and introduce you to a large world filled with a variety of music. If you are looking to make beats to sell online, then learning to play the drums is a perfect option.

7. The harmonica you can’t see

This instrument might look easier to play than it actually is. The challenge with the harmonica is the fact that you cannot see what you are doing. Despite not being able to see what you are doing, you can learn to play the harmonica without the ability to learn by ear. Harmonicas are labelled, but you have to get the feel for where to blow to get the right chord.

There are different types of harmonicas and they play different types of chords. You have to learn how to blow into them to get the sound you want and if you really get good, you’ll even learn the benefits of bending your harmonica. Some harmonicas have extra rows of holes and some even have buttons that let you change the key slightly. Like the drums and ukulele, this is one of the more affordable instruments you can learn to play. But, keep in mind, once you begin to fall in love with it, you might just end up collecting harmonicas.

8. Get picking with a banjo

If you are looking for something slightly different than the typical guitar, the banjo might just be for you. The sound is distinct and the banjo can be strung to play a G-chord by just strumming. It is easier on the fingers than the guitar because of the styles of the picks. The five strings are also easier to learn over the six on the guitar. These come in different price points, like a guitar and you might be able to find a good used one to play.

9. Fall in love with the flute

Like the violin, the flute isn’t just for classical music. It is easy to pack up and take anywhere and it does not require reeds, like clarinets or oboes. You can easily teach yourself to play the flute using instructional videos and once you understand the breathing techniques, the rest is all up to the fingers. The sound is glorious which is why this instrument is so easy to fall in love with and it can certainly make your pop music sound unique.

Should I Get a Personal Loan? The Answer Might Surprise You

About 80% of millennials are currently in some kind of debt.

When you’re facing a financial crisis, we know that the idea of taking on even more of it to make ends meet can feel terrifying. However, when an unexpected event hits, many people turn to lenders in order to get through tough times.

If you’re asking yourself, “Should I get a personal loan?” then you’re already on the right track. Taking out any kind of a loan isn’t a decision that you should make lightly.

But the truth is that some loans are much better than others.

In this post, we’ll tell you why applying for a personal loan may be the very best thing for you.

Then, we’ll fill you in on what to look for to ensure you make the right decision.

1. Freedom Regarding Use of Funds

Perhaps the best thing about personal loans is that there’s a nice sense of flexibility when it comes to how you use the money.

In short?

No matter what sort of a financial difficulty you’re facing right now, as long as you can make your payments, you can likely use a personal loan to fund it.

While it’s important to be prudent and practical about what is and is not a good reason to take out a loan, the freedom of choice you have here is appealing.

You can use the money to consolidate your debt, to ensure you can make your car payments, and in some cases, even pay the mortgage on your house.

You can use it to finance your wedding, cover unexpected medical bills, and even to manage the costs of a funeral.

Be aware that in most cases, you can’t take out multiple personal loans at once.

So, whatever you’re spending the money on, make sure you do so wisely.

2. Lower Interest Rates Than Credit Cards

So many people get sucked into the cycle of debt that can come as a result of an over-reliance on credit cards.

Lots of borrowers simply aren’t aware that often, personal loans actually have lower interest rates than credit cards do.

So, before you consider putting a few thousand dollars on a credit card, take a look at some lenders’ options instead.

3. They’ll Help You Manage Your Spending

Another benefit of applying for personal loans?

It might sound counterintuitive at first, but the truth is that they often help people to get a better handle on their spending.

Think about it. When you use a credit card, or really any form of plastic, it can be so easy to overspend. Sure, you have a credit limit, but you can always have that bumped up. Yes, your checking account balance might be low, but you can always rely on your savings.

Before you know it, you’ve spent far more than you needed to — and way more than is financially prudent.

Personal loans offer you a finite amount that you can spend. Once the money from the loan is gone, it’s gone — you can’t magically increase the loan amount.

It’s more like paying with cash than buying on credit.

Plus, paying back your loan will force you to take a hard look at your current budget. You’ll eliminate unnecessary spending, find yourself saving more and improve your entire financial literacy as a result.

4. They Can Strengthen Your Credit Score

Are personal loans worth it?

In most cases, the answer is yes — in no small part because they can help you to either repair or establish your credit score.

This is because loans allow you to prove to lenders that you can make payments on your loan in a timely manner. This means that you’ll be much more likely to be approved for more loans or credit cards in the future.

Now, let’s talk about how you can choose the right personal loan for your needs.

“Should I Get a Personal Loan?” What to Look For

Now that you know about a few of the many benefits of the best personal loans, let’s talk about what you should consider when applying for one.

First of all, never borrow more money than you can afford to pay back by the time the loan term ends.

Speaking of loan terms, consider how long you want this loan hanging over your head. Yes, a longer loan might mean smaller payments each month, but that means you’ll pay more interest. In general, aim for the shortest term you can handle.

Also, look at the potential interest rates of the loan. Never be afraid to get multiple offers, and to use lower interest rates you’ve been offered as a bargaining tool!

Also, make sure you’re aware of any potential early repayment penalties, fees, and other “hidden” costs that might be associated with the loan.

You can find out more about what to look for when applying for a personal loan on this page.

Personal Loans Are a Better Option Than You Think

We hope this post has helped you to understand that, as long as you focus on responsible borrowing, personal loans are often a great way to make it through a financial roadblock.

Now, you’re ready to answer the question, “Should I get a personal loan?” with a resounding, “Yes!”

Maybe you’ve been inspired to makeover the rest of your financial life.

We can help you with that.

Keep checking back with us for more money-saving tips and financial advice — and learn about the best products to spend your money on.

Lay the Foundation: How to Build Credit with Credit Cards

Set of color credit cards on wooden table – online shopping

In 2018, the average credit card debt was around $5,000 per user.

Credit cards can be convenient, but with great power comes great responsibility.

It won’t happen overnight, but it’s possible to improve and build credit with credit cards. Learn about different strategies to do this here.

Pay Your Bills on Time

One of the most important things when using a credit card is to pay your bills on time. 

When it comes to calculating your credit score, your payment history comprises 35% of that credit score. If you’re not paying your debts and bills on time, then it’s going to be difficult to get your credit score up to where you want it to be.

This tip is simple enough. You don’t have to pay off the entire card; just pay off the statement balance every month and you’ll be good to go.

Use It Like a Debit Card

One tip to making it easier to pay off your debt every month is to use your credit card as if it was your debit card.

With credit cards, it can be easy to spend money on things you don’t really have the money for. But if you only buy stuff that you know you have money in the bank to pay for, then you will be able to build credit with credit cards easily.

Make a Budget

It can be difficult to keep track of how much money you’re spending and where it’s all going. 

Having a budget and sticking to it every month can help you know when you’re about to hit that limit of spending too much for the month.

If you’ve never had a budget before it can be a hard habit to get into, but it will benefit you in the long run.

Keep Balances Low

When you have a credit card, you want to try and keep the outstanding balances as low as possible.

Your credit spending should only account for a certain percentage of your limit each month. 

In addition, having a lot of debt sitting on your credit cards that you haven’t paid off will also affect your score.

Don’t Open a Bunch of New Credit Cards

You might think that having a bunch of credit cards open will help your score, but in reality, it can actually hurt it. This could actually lower your score.

Only apply for a new credit card account if you absolutely need it.

If you have bad credit and can’t get a new card, check out these cards to learn more.

On the flip side of that, don’t start closing credit card accounts that you don’t use anymore. You already have them open, and even if you don’t use them it’s still accounting for some of your credit balance.

It could actually hurt your score to close it at that point as well.

Check Your Credit

To fix your credit, you need to learn how to check your credit.

You can use a free credit report which can you get from a website. On this report, you may not be able to see your credit score, but you can see different things that may be affecting your score.

Knowing these will help you be able to fix it.

Use These Strategies to Build Credit with Credit Cards

These are a few tips to help build credit with credit cards.

Having a good credit score will help you later on, especially when applying for loans.

For more tips on how to get rid of bad credit, read this blog post.