Category: Smart Shopping

Let the stars size up your shopping style

Let the stars size up your shopping style

Are you a shop-a-holic? Or a mall-a-phobic? Let the stars size up your shopping style: Back to school means back to the stores.

Leos love taking chances, going to dances, having romances-and stealing all the boys’ admiring glances! Your charisma is legendary… and so is your lion-size temper! Still, when you flash that sunny smile and clown it up, you’re the life of the party. In fact, it feels like a party just to be with you. You’re a magnet with that classy laugh, superb posture, and bodacious mane of hair!

Guess what: Your circle of friends is going to expand over the next year. New and old pals will revive your social life; join as many clubs and groups as you want for the best luck.

Aries (March 21 to April 20)

The decisive shopper. You like to zip in and out fast. Long lines and pals who take all day to decide drive you crazy. Shop alone at malls, where you can pop into small stores and make a speedy getaway.

Taurus (April 21 to May 21)

The quality shopper. You like to go to department stores, where you’d rather get a great pair of jeans than three cheap ones that fall to pieces in six ugly weeks! You shop slowly, carefully, and wisely.

Gemini (May 22 to June 21)

The perennial shopper. Boutiques, five and-tens, department stores, malls-you love them all. You like to hang out with friends, buy clever doodods, study the latest fashions-and then shop some more!

Cancer (June 22 to July 23)

The queen of shoppers. You love to shop at home–by raiding your mom’s closet! You love old clothes. And as a champion bargain finder, you have a sixth sense for finding fantastic clothes at sale prices.

Leo (July 24 to August 23)

The princess shopper. Saks, Bloomingdale’s, and the Neiman-Morcus catalog are Your Majesty’s favorites. You like the best, and you don’t mind returning items if they fail to please you, either!

Virgo (August 24 to September 23)

The nervous shopper. You loathe the tacky atmosphere in discount stores; you feel crawly because you think the clothes might be dirty. You like bargains but prefer liner stores: The hems stay in longer!

Libra (September 24 to October 23)

The true shop-a-holic. Shopping is an essential function for Librans, like eating. You were born to shop-anytime and everywhere. When you can’t shop, it’s time to call in the doctor.

Scorpio (October 24 to November 22)

The fussy shopper. You’re very sure of what you want, but you don’t often find it. Take a Libra along to help. Intense and emotional, you agonize over choices. You hate crowds and love discount outlets.

Sagittarius (November 23 to December 21)

The impulse shopper. You like a big sale, a deal, a bargain, auctions, outdoor flea markets, and ethnic and foreign shops. You already own 101 pairs of sweatpants; you snicker at designer labels.

Capricorn (December 22 to January 20)

The organized shopper. You pore over the paper searching for sales; when you find an item you like, you get two in different hues. You’re an extremist, too: It’s either the best or the cheapest for you!

Aquarius (January 21 to February 19)

The eccentric shopper. Thrift shops, secondhand stores, garage sales, army/navy stores, and pretty boutiques have the cowboy boots, odd hats, and wild stuff that you enjoy so much!

Pisces (February 20 to March 20)

The shoe shopper. Soon you will have 4,907 pairs of shoes in the closet, but it doesn’t hurt to look for more, eh? You like nice, quiet boutiques, too, but shopping solo is no fun. Bring a friend.

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8 Signs you need to go shopping

8 Signs you need to go shopping

“I need to go shopping!” said every woman, ever. We’ve all said or heard it, and we all know that when it comes to clothes, the word ‘need’ is grossly overused.

So how to tell the difference between wanting to treat yourself to something cute and an actual need for new clothing? Let’s visit a few scenarios where ‘need’ might actually be used in the literal sense.

1. It’s Easier to Dress for Halloween

Go-go boots? No problem. Sequins and feathers? You’ve got plenty. While your Halloween game may be as strong as Arnold Schwarzenegger in the 90’s, you’ve still got 364 other days to worry about. It’s totally fine to keep some stellar statement pieces tucked away in your closet, but try relegating them to under 1/10th of your sartorial collection. Once you’ve cleared away the baubles, it’s time to work in some new goodies for those days that don’t require a costume.

2. Your Friends Won’t Borrow Your Clothes

Let’s try a little test, shall we? Invite your most stylish friend over and offer her full access to your closet. If she politely declines or tries to change the subject, it’s time to upgrade. The more uncomfortable she is, the faster you should run, don’t walk, to the nearest mall. If you’re not quite sure where to start, bribe your friend with churros to come with you. Works every time.

3. You’re Twinning With Your Pre-Teen Niece

Sure, twinning is in, but dressing identically to someone who has yet to pass her driving test? Not so much. While keeping a youthful attitude is something to be applauded, your wardrobe should reflect a general age range – yours! If you can spot every piece you own at a One Direction concert, you might be ready to work in a few new items.

4. Your Shirt Has Its Own Twitter Account

If you wear the same article of clothing too often, there’s a chance people might end up knowing you more by your shirt than anything else. And when your shirt is more famous than you are, that means it’s time to expand your regular outfit rotation. Here’s a great rule of thumb: if your shirt is in more than three of your social media profile photos, it’s time to swap in a few new options.

5. Climbing Kilimanjaro Is Easier Than Getting Dressed

If getting dressed in the morning feels like climbing a mountain, it’s time to rethink the process. Aside from lack of coffee, the culprit to sartorial stuckness can often be not having the right items for your everyday routines. Work at an office? A new blazer can suddenly make a camisole work-appropriate. Meeting friends for brunch? Pair that cami with a new maxi skirt, and you’ve got a totally different outfit. Bring on Kilimanjaro, you’ve now got the outfit for it!

6. You Wore Your Nicest Dress to Prom

While that pink one-shoulder tulle gown may have scored you a slow dance with the cutest boy in school, it might not work the same magic at a wedding or cocktail party. Say sayonara to ‘Prom Queen’ and hello to ‘Best Dressed’ by kissing that prom dress goodbye and scoping out a sizzling LBD. Not only are you set for any last minute events, but the jaws will hit the floor at your next high school reunion.

7. You Have Nothing to Wear

Your bedroom looks like an atomic bomb went off, with garments strewn across the floor in a fit of desperation. You’re sitting in the middle of a large pile of clothes, lamenting that you have nothing to wear. Sound familiar? You’re not alone! While you obviously have the ability to clothe yourself from the piles of despair that surround you, they’re just not the right clothes. So what do you do? Ditch those suckers for some snazzy basics you’ll want to wear over and over again.

8. People Think You Own One Pair of Pants

Keeping a uniform a la Steve Jobs is definitely efficient. Having to explain to everyone that no, you don’t just own one pair of pants but several pairs in the same style and color, is not quite as efficient. Adding a few new pairs to your wardrobe should help keep those rumors at bay. Which means you can get back to being the visionary you truly are.

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Disastrous myths about your credit score

Disastrous myths about your credit score

Contrary to popular belief, paying bills on time is an overrated part of your financial reputation.

People are obsessed with getting and keeping an excellent credit score. We hear these statements regularly on our financial helpline:

A caller who can’t pay their monthly bills because their debt payments are so high says, “I can’t go to credit counseling because I heard it will damage my credit score.”

A caller who is not saving in their 401(k) and missing out on the company match says, “I don’t want to pay off my credit cards. I am keeping a balance to help my credit score.”

This makes no financial sense. People aren’t going to seek help getting out of debt — lowering the interest rate and possibly the balance owed — because it will hurt their credit score? How is this helpful? If people don’t get their debt under control, they may never retire. We’ll have a nation of people working into their 80’s with no savings but they can all come together and brag about their credit scores.

Let’s examine some of the biggest credit myths that can lead to disaster:

Assuming if you pay your bills on time, you don’t have to do anything else. Paying your bills on time accounts for about 35% of your credit score but there is another 65% which includes amount owed (30%), length of credit history (15%), new credit (10%) and type of credit (10%). Consider all of the other factors.

Also remember that there may be errors on your credit report so if you don’t check it, you’ll never know and your score will be affected. According to Deborah McNaughton, author of The Get Out of Debt Kit, 80% of credit reports have errors (as cited by Bankrate.com). Many of the erroneous reports had missing information that may boost a score, such as missing a revolving account in good standing, or miscellaneous incorrect information such as an incorrect birthday.

Check your credit report. Credit reports are unique to Social Security numbers, so if you are married, you may want to stagger your requests with your spouse every six months. You can also request your actual score for a onetime fee (which is less than $15 through most credit bureaus). Most credit monitoring services will provide your score for free when you sign up for their service.

Assuming when you divorce, your accounts automatically divorce with you. They don’t. If you have a joint account and one of the parties on the account is late, you are both late. With some types of loans, such as a mortgage or a car loan, the lender may not accept a letter asking you to be removed from the account after a divorce even if that property is going to your ex-spouse. They will need to qualify for the loan on their own before you will be removed from the account.

Take this into consideration because if they don’t refinance, and then have late payments, you may find yourself with some credit issues. When possible, close all joint accounts and refinance any debt separately. If it is not possible, maintain some type of control, whether it is an escrow account or at least access to information to make sure the accounts are paid in a timely manner. Don’t assume. Also see the last point about closing accounts.

Avoiding consumer credit counseling because it will hurt your credit score. For someone with serious debt, working with a not-for-profit credit counseling agency to develop a debt reduction plan and get out of debt permanently should take priority over credit scores. Credit counselors will work with your creditors to try and reduce your monthly payments, or settle your debt altogether. Debt settlement doesn’t affect scores as badly as you would think. In fact, many people don’t realize that late payments affect scores more than a debt settlement. Here is an example of how a debt settlement can affect credit scores, and how that compares to late payments.

A late payment hurts your score more than a debt settlement if your score is in the 680 range; it only significantly pulls it down if you are in the 780 range. Let’s be honest here, people ready for credit counseling probably don’t have the highest scores anyways, and the bottom line is credit scores are fluid — they can be rebuilt. According to Credit.com, a debt write off can stay on your credit report from seven to ten years, but as the information ages, so does its negative impact.

Making late payments aren’t that big a deal. According to FICO, a 30-day late payment can affect your score by as much as 110 points. Late payments can have a huge impact on your credit score causing it to drop like a stone. This is one disaster that is relatively easy to avoid. Simply set up all of your accounts with an automated minimum payment schedule from your checking account. This way you’ll never miss a payment. You can always pay additional amounts through online banking. Set yourself up for success with this one because it can be an easy one to miss and makes a significant impact.

Closing accounts to clean up your credit. Closing an account may be a good idea if you only opened the account to get a discount on merchandise or have too many credit cards which is causing confusion, but it won’t clean up your credit or help your score. In fact, it can hurt your score when the account you close has a long credit history — especially a good one. Your credit history accounts for 15% of your score, so in making decisions which cards to keep and which ones to close, keep in mind how long you’ve had the account open and close the most recent ones first.

Are credit scores important? Yes, but they are not the “be all and end all.” Now that we’ve dispelled some of the biggest myths, consider what the “be all and end all” is for you. What are your biggest financial challenges and concerns? Our latest research shows that less than 18% of employees feel they are on track for retirement.

Are you part of the 82% that isn’t? Do you have a personal net worth statement and is it going in the right direction? The point is when you focus on the important financial issues, you have a chance to meet your financial goals. Clean up your credit if you have to, and do your best to keep a good credit score, but let’s not go overboard and lose sight of everything for just one number.

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Tips for smart shopping from the Internet

Tips for smart shopping from the Internet

People are surfing the Internet in growing numbers. Internet offers a wide range of exciting opportunities. But you should remember to take the same type of precautions as you do when you shop and communicate in the offline world. Before you decide to enter personal information on a website, or make a purchase online, here are a few tips to remember:

Deal with companies you know by reputation or experience. If you aren’t familiar with the company, do your research. Find out where they are based, and what their policies are on issues such as privacy and security. Do not do business with a company that doesn’t list a physical address or telephone number on its website. When dealing with international vendors the risk is higher. Different laws and standards apply and it may be difficult to get local authorities to act on your complaint if you feel a vendor has dealt you with unfairly.

Know exactly what you are buying. When shopping in a retail store you have the added benefit of handling the product and seeing the person who is providing the service – benefits that are not available when shopping online. Look for a vendor that provides enough information for you to properly evaluate what you are buying, including details such as the size, colour, weight and texture of the product.

Tips for smart shopping from the Internet

Know what you are paying. The final price for online items is often considerably different from the listed price. Any reputable vendor’s website will calculate the shipping and handling costs for you before you make a final decision to purchase an item. Before agreeing to a purchase, do the math and figure out what the price will be in Canadian dollars. Most people fail to accurately convert the value of currencies and they end up paying more than they hoped as a result.

Additionally, Canada Customs will calculate and add GST to the cost of most purchases made outside Canada. The agency will also charge you an inspection fee for doing so that may be more than the actual GST on small purchases, such as books and compact discs.

Look for a privacy policy. Be sure that you are comfortable with how the company collects, protects and uses your personal information before submitting any details. Responsible marketers have an “opt-out” policy, which allows you to choose whether your information is shared with third parties. Also look for the opportunity to decline to receive any communication by email.

Make sure transactions are secure. Do not enter any financial information if you see a broken-key or open padlock symbol on your Internet browser. This means that the transaction is not secure and could be intercepted by a third party. When the key is complete or the padlock is locked, your browser is indicating a secure transaction. Remember, unlike secure order forms on a website, email messages are not private. Do not send confidential information by email.

Check for endorsement by an association or a quality assurance program. There are several “seals of approval” for websites that confirm the credibility of the company and the website. For example, the Canadian Marketing Association member logo signifies a company that abides by a Code of Ethics and Standards of Practice, which includes a comprehensive privacy policy and a section on responsible Internet marketing.

Read the fine print before you buy. Make sure you understand all contractual information presented online before agreeing to purchase, including the policy on fulfillment, returns, warranties, etc.

Avoid spam (unsolicited commercial email) by being careful about disclosing your email address both on and offline. Check a company’s privacy policy to find out whether your email address could be shared with other companies. CMA members will not send you marketing email without your permission and will give you the option to decline to receive further emails at any time.

Talk to your children about online activities. Instruct them to keep their personal information private unless you say it’s ok.

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Smart boots warms up using a mobile app

Smart boots warms up using a mobile app

A new “smart boot” can warm up cold feet, thanks to a built-in heating system controlled by a smartphone app.

Called the “world’s first luxury heated smart boots,” the footwear will work with both iOS and and Android headsets, connecting over Bluetooth. Wearers of the Lundí boots can adjust the temperature of the smart footwear by using a temperature slider on the mobile app.

According to the maker, the boots will warm up in less than a minute, depending on how cold it is outside. The warmth comes from a heating element embedded within flexible cushions in the boots.

The battery is said to last for seven to eight hours, and can be wirelessly charged using a special boot shaper that is similar to the cardboard inserts supplied with most new boots. It takes around 1.5 hours to fully charge the battery, makers say.

Crafted from leather, the boots include a covered wedge heel and are water-resistant, while the heating system is entirely waterproof.

The makers of the Lundí smart boots are seeking funding on Kickstarter, with boots available for $649.

Once the high-tech boots go into production, the full price will be $775. If the funding target is reached, the first boots are due to ship in November 2016.

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Four ways to save $100 every month

Four ways to save $100 every month

Two frugal experts reveal how to shave 15 percent off your monthly utility bills.

Imagine spending just $20 a year — or less — for yearly telephone service. Or, perhaps you’d be interested in shaving 15 percent off your monthly utility bills. Two frugal experts say you can do it.

Everyone looks for simple ways to save, especially in today’s tumultuous economy. Bankrate asked two frugal bloggers to share their thoughts on some nearly effortless ways to hang on to your hard-earned green.

If you take their advice to heart, you’ll likely save at least $100 a month around the house.

Rethink Your Phone Service

Fed up with expensive telephone bills? Jonni McCoy, author of the Miserly Moms website, recommends switching to an alternative phone service like magicJack or Skype.

Such services allow you to make local and long-distance calls for a fraction of the price of traditional phone service. For instance, magicJack customers can get phone service for as little as $19.95 a year, while Skype calls are free to other Skype users.

“These are good alternatives to (traditional) phone service, and they include long distance, so no extra card is needed,” McCoy says.

Customers nervous about dropping their traditional phone carrier have other options for saving money.

For example, consider canceling long-distance service from your phone carrier and using calling cards instead, says Susan Palmquist, creator of money blog The Budget Smart Girl’s Guide to the Universe.

Need a second phone line? In this case, a service like magicJack works well, because it’s “much cheaper than adding a second line to your existing phone account,” Palmquist says.

When it comes to your monthly cell phone bill, save money by cutting down on your minutes and switching to a more basic plan. Palmquist recommends switching to a pay-as-you-go cell phone.

Cut Down on Electricity

Each month, utility bills silently drain a little more cash from your wallet, preventing you from building a sizable emergency fund or retirement nest egg.

There are several ways to trim these bills. Three quick and painless ways to save include: switching to compact fluorescent light bulbs (which are more energy-efficient than standard light bulbs) lowering the temperature on your hot water heater (130 degrees Fahrenheit is enough to kill germs) and drying your clothing on a clothesline or rack whenever possible.

McCoy and Palmquist also recommend signing up for any incentive or rebate programs offered by the local utility company.

With these programs, you typically agree to allow the power company to briefly shut off certain appliances when energy demand is particularly high. In return, you get a credit on your monthly bill.

For example, customers who participate in Florida Power & Light’s On Call Savings Program allow FPL to install a small device on their water heater and air conditioner compressor. This allows the utility company to periodically borrow electricity for 15 minutes or so.

Palmquist — who lives in Minneapolis and gets her power from Xcel Energy — does this and gets a 15 percent discount on her bills.

Conserve Water

Are you drowning in monthly water bills? Palmquist and McCoy recommend money-saving options such as washing all clothing in cold water.

“I use cold water to wash clothes, and recently read that using the delicate cycle also saves water, too,” Palmquist says.

In some cases, saving cash actually goes hand in hand with superior performance, Palmquist says.

“We installed a low-flow shower head in the main bathroom and find it not only saves water, but the flow is better than the old one,” she says.

Of course, another “no-brainer” way to save is simply to use appliances less frequently. Wait until you have a full load before running the washing machine, dryer or dishwasher.

Don’t overlook water-saving tips for outside the home. Palmquist plans to invest in a rain barrel for outside watering next year. Meanwhile, McCoy recommends making changes to landscaping “so there is less lawn to water.”

Bundle or Drop Cable and Internet

McCoy suggests saving money by bundling cable and Internet services. Palmquist agrees, and recently switched to an “economy package” for her TV service.

However, Palmquist says it’s important to look before you leap into bundling.

“Sometimes it’s more expensive and they can lock you into a two-year contract, so check out everything first,” she says.

If you’re really gung-ho about saving, simply drop cable altogether. Perhaps you can watch your favorite TV shows for free on an Internet site.

Or, maybe it’s time to simply give up those expensive TV habits and think about the priorities that really matter to you.

“My main advice is to think about wants and needs,” Palmquist says. “Many of us think something’s a necessity when really it’s just a want.”

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10 smart ideas for reducing credit card debt

10 smart ideas for reducing credit card debt

A $10 purchase can help you save more than $40 a month — and get you started on paring down what you owe.

If you find yourself falling deeper into credit card trouble, it’s time to take a hard look at what’s coming in, what’s going out and see where you can free up some cash quickly to start hacking away at your debt.

Some trims may seem small, but if you package several of them together, you can soon get started on a respectable payment plan. Here are some ideas for places to turn first.

1. Cell Phones

“For $9.88, you can buy a TracFone (prepaid cell phone) with pretty decent coverage and pay by the minute,” says Mike Sullivan, director of education at Take Charge America in Phoenix. “And if you’re careful, you can end up saving $40 to $50 a month off a typical $80 cell phone bill.” He also recommends canceling your land line unless you have medical issues that may require emergency calls.

2. Cable / Satellite

Most people can save money just by getting rid of the extra pay packages they have — such as premium movie channels and extra services. “If you’re really in trouble, cancel the whole package,” Sullivan says. Check out the library for free movies, DVDs and CDs to bridge the entertainment gap.

3. Homeowners Insurance and Car Insurance

By increasing the deductible of your policy from $500 to $1,000, you can see big decreases on your premium, says Michael Barry, vice president of media relations for Insurance Information Institute in New York. “People pay about $880 a year, so if I can knock $88 off, it’s a start.” Regarding auto insurance, take a look at your collision insurance if you have an older car. If you have even a fender-bender, sometimes the cost to repair the car would be more than it’s worth, so perhaps you could cancel the collision insurance altogether.

First, look up the value of the car at Kelley Blue Book, Edmunds.com or the National Automobile Dealers Association, then check the collision line on your auto insurance bill and see what it’s worth to you to keep that insurance. Also, if you don’t drive that car much, look for a discount. “If you drive from 7,000 to 7,500 miles a year, you can often qualify for low-mileage discounts,” Barry says.
4. Transportation

Americans are increasingly finding alternatives here. In fact, consumers spent 11 percent less last year in this category, according to the Bureau of Labor Statistics’ 2009 Consumer Expenditures Survey released in October. If you have more than one car, this may be the time to look at downsizing to just one car and getting around with better planning, carpooling, bike riding, public transportation or car sharing. Car-sharing companies such as Zipcar operate in a growing number of cities and on many university campuses. You can rent a car by the hour when you have to have one without the expense of insuring and maintaining your own car.

5. Utilities

“People often overlook programmable thermostats,” says Edward Tonini, director of education of Alliance Credit Counseling in Charlotte, N.C. “You can spend $20 to get a programmable thermostat and if you set it right, it can save you $100 over the course of a year easily.”

6. Food

Households spent an average of just more than $300 a month on food eaten at home and about $215 per month on food outside the home in 2009, the BLS survey reported. “Maybe eating out isn’t necessary for you,” Tonini says. “Packing lunches and eating at home will lower your discretionary spending.”

7. Gym Membership

Are you really using it multiple times a week? Divide your monthly dues by the number of times you go in a month and get a realistic picture of what you’re spending on a one-hour workout. Park districts or community centers often have low-cost or free programs. Also check into exercise videos or a piece of home exercise equipment that you would use regularly. If you decide to keep the membership, check to see whether the facility offers discounts for coming at off-peak times.

8. Movies

A family of four can quickly rack up nearly $100 on one movie with popcorn, drinks and maybe even parking fees. “Instead of going to the movies, have a game night at home. It sounds kind of corny, but it will be more meaningful than sitting in the dark when you can’t talk to each other,” says Dave Gilbreath, a regional director with Apprisen Financial Advocates in Yakima, Wash.

9. Tax Relief

Wendy Burkholder, executive director of Consumer Credit Counseling Service of Hawaii in Honolulu, says, “Many of the families we work with are struggling with credit card debt because of loss of income. One of the first things to do is re-evaluate your tax withholding on your paycheck (if your spouse or partner has lost a job). If you don’t make the change, you end up with a whopping refund. You don’t need the money a year from now, you need it now.” If you’re overpaying taxes, you’re also giving the government a free loan and are likely putting off paying for your own bills, which can lead to fees and penalties, she says.

10. Health Insurance for Dependents

“If you’re struggling with loss of income, you may no longer be able to afford $600 being deducted from a paycheck to cover your dependents,” Burkholder says. She suggests checking to see whether you now qualify for a state or federal coverage plan for dependents, such as the Children’s Health Insurance Plan, or coverage by health care providers that may offer reduced prices for basic health care for children.

Deciding what to cut first will be different for every consumer, but whatever the choice, it should be sustainable, rather than a one-time quick fix, Tonini says. Sometimes it’s cutting out the daily $4 coffee, but “they need to figure out what their ‘latte factor’ is.”

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Discipline and self control methods on shopping

Discipline and self control methods on shopping

Saving and spending are the two most important elements of your life and your money. Unfortunately, money does not control many factors in life. It controls where you live, what foods you can buy, and many other things. For those who spend more than they earn, they can “look comfortable” but those looks can certainly be very misleading. We call these types of people “keep with the neighbors,” because they are deep in the debt and buy things that may be out of their price range so they can have as many cars as nice a house as his neighbor in the street. This can get you far in debt you may have to declare bankruptcy. Of course, this is not what the goal is.

Save your money, even if you are only 10 dollars an hour, it’s very doable. Ot just a small bit of your weekly income and put it in a savings account. A great way to make sure you save is to create an “allowance” that takes money directly from your paycheck or direct deposit and put it in the savings account and you never need to touch the money. Do not know what it is in the savings account. Some people literally can not save money is in their hands. The temptation is too great. Therefore the allocation of savings to the idea is great. Even if only $ 5 a week, saving something is the key here.

When it comes to spending money, you simply need to evaluate your budget. Of course, you want to subtract all your needs such as electricity, water payments, rent or mortgage payments to pay car loan, or credit card payments, and any other important projects of the total money available. You also have removed everything you put in savings and just pretend that this is not if you have never tried to touch him. Simple as that, you can skip all that is excluded from this number when you subtract your total cost of your total cash.

However, a great thing to do is to spend only what you need and maybe a few luxuries you can afford. If you have something left after spending some money, you can put in your savings account to accumulate leave. Some people have a hard time doing this, but it is very important. You can save this much more than you ever expected when you can just control your spending. It is obviously easier said than done, as many people spend every penny they have available, and a few cents, even they are not spending and borrowing from creditors and the interests of payable on these things and sometimes to pay 20 percent more than what you paid for it because of that interest.

Saving and spending are simple but what is really important is self-control and discipline. If you can control your spending and at least put some in savings and not to plunge into it, you are really great! You do not have to be rich. Sometimes being rich means being debt and buying things you can not afford. So you buy a smaller house, but at least you have money in your poche.

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The cheapest days to shop online

The cheapest days to shop online

A survey of over 100 Web retailers found the best sales for every day of the week.

We already know some of the best shopping deals are found online – but did you know some days are better than others to find the steepest discounts? ShopItToMe website which scours sales at more than 100 online retailers, ran a survey for me showing what days of the week certain categories of items carry the biggest discounts. From sunglasses to bathing suits to handbags and menswear, they got me the inside scoop.

My advice is to read this through, click print and keep the list stored by your computer as a helpful reminder next time you want to shop on the Web. Dozens of sites like RetailMeNot and Bargainist collect promotional codes for discounts on Web purchases. To find them on your own, try Googling the name of the shopping site with the words “coupon code” or “promotion code.”

Many retailers offer free shipping promotions from time to time or have thresholds at which they’ll ship for free. But, some of my favorite online shops such as Endless, RevolveClothing, Shopbop, and Piperlime, always offer free shipping.

Related Links: Art Burger Online Store

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