Why Do We Spend Money on All Those Things We Don’t Need?

As someone who worked in retailing for decades, I can tell you that business is responsible for creating an awful lot of need. Or is it that we just think we need them? There are some things in life that we actually do need, like food, clothing, shelter, transportation, and so on. But even within those basic necessities, needs are always being created for things that do us no good at all or even cause us harm to our finances and there’s the problem. So when you really think about it, you have to ask the question, “Why do we spend so willingly on things we don’t need?”

Young woman with shopping bags after buying things we don't need

The “Brand Name” Thing

No one needs Adidas or Nike sneakers. No one needs a Big Mac. No one needs a Lexus or a Range Rover (especially here in NJ where the ranges are few and far between!). And the list of branded items that we don’t really need goes on and on.

Continue reading“Why Do We Spend Money on All Those Things We Don’t Need?”

How to Score 24 Birthday Freebies

For today’s guest post on birthday freebies, please welcome Marjolein from Radical FIRE.

They say it’s your birthday? It’s my birthday, too! Let’s Celebrate!

Celebrating your birthday should be a fun and exciting day each year. An opportunity to indulge, to let time slow down, and to receive gifts and affection. It’s one of the days of the year where you need to feel special and loved. One thing birthdays should not be? Expensive!

Woman blowing out candles on a birthday cake and thinking about birthday freebies

Spending money on your birthday isn’t necessary to have a good time. In fact, wouldn’t the ideal birthday be one in which you spend no money at all? We definitely think so. That’s why we investigated some of the best birthday freebies. With some planning, you can have a fantastic birthday filled with free treats, gifts, free perfume samples, and some major discounts. Now, this is something that is worth reading, isn’t it?

Keep reading to find out the 24 best birthday freebies that we found for you!

Continue reading“How to Score 24 Birthday Freebies”

Saving Money With a Back-to-School Sales Tax Holiday

It’s not too early to get ready for back-to-school time across the USA. The majority of schools across the country are planning on reopening for full-time, in-person instruction in the fall. Yes, some will also offer remote learning options for families who wish to keep students home, but for a huge number, returning to a regular classroom is a big part of restoring life to normal once again.

Teacher with student at laptop bought during back-to-school sales tax holiday

That return means shopping around to get the clothing and supplies that your children will need for the upcoming school year. It’s always a big expense to get kids ready, especially if you have more than one. So knowing what, when, and where to shop for what you need is definitely necessary and that actually begins right now! Especially if you can take advantage of a back-to-school sales tax holiday.

Continue reading“Saving Money With a Back-to-School Sales Tax Holiday”

Can You Negotiate Your Way to a Shopping Bargain?

I spent most of my adult life working in and around the retail world. Over the years, I have seen many changes such as the consolidation of many of the department store names of the 1970’s through the 2000’s, and all of the technology that helps to control inventory, track sales, and speed services. The changes are numerous and have benefited both the retailer and us, the consumers.

Man opening wallet to pay after negotiate prices

But one thing hasn’t ever changed in all my years in the business: the desire that all shoppers have to get a great deal on whatever they buy! When we go into a store, we are all bargain hunters and that is our goal. One big way to get that bargain is to try to negotiate prices and deals. But can you really do that in 2021?

Continue reading“Can You Negotiate Your Way to a Shopping Bargain?”

What Dad Really Wants for Father’s Day

If I tried to write a new post for Father’s Day, I wouldn’t really be able to say it better than this one which I first published years ago. It’s how I felt then and it’s how I feel now. It may not be my best work, but it comes from the heart.

In 2016, I wrote a post about my thoughts on Father’s Day and I haven’t changed my mind yet. It really did come from my heart. I think the message in it says what every dad (and mom too) thinks and feels about a day like this. Even though the environment we live in makes us feel like honoring our dads and moms is all about buying gifts and making a big deal out of just the one single day a year, I can tell you from personal experience, that’s not what dads (and moms) really want from their kids.

Father's Day is coming on June 20th. I'll share with you the secret of what Dad really wants for his special day and you won't need to spend the big bucks.

I hope you won’t mind if I repeat my real feelings today about Father’s Day, in anticipation of this Sunday, June 20, 2021. I am republishing this old post so if you didn’t see it then, I hope you will read it now. I also hope that it says what you are feeling the same way it does for me. Here’s hoping all the “kids” of any age out there read and get the message I am conveying. Have a great Father’s Day and make it last all year long!

Continue reading“What Dad Really Wants for Father’s Day”

Things You Should Never Buy If They’re Not On Sale

We all have to admit it: we love a great bargain and sale! And why not? We save money and we get something we really want (and hopefully really need) at what we know is a good price. Well, that’s subject to some scrutiny, but the big news is this: if you are buying something that isn’t “on sale”, you’d better have a pretty good reason as to why.

Close up of kitchen range, an item you shouldn't buy if it's not on sale

Sale shopping and pricing has become so prevalent and common that there is now a cardinal rule in place about it. But believe it or not, some folks just shop without planning and thought, and that is costing them a small fortune in missed opportunities!

Continue reading“Things You Should Never Buy If They’re Not On Sale”

Is Joining a Wholesale Club Like Costco Right for You?

I get asked about wholesale clubs all the time, mainly because saving on the cost of food and household supplies is such a big part of your everyday budget and of course you hear that joining a wholesale club will save you money. But is it always true?

Joining a wholesale club might be able to save you money, or it just might cost you. Here's how to tell if a wholesale club is right for you.

Back In the late 1970s, wholesale clubs (also known as warehouse clubs) started popping up and became popular all over the U.S. Then eventually they expanded internationally.

The idea of people getting an “exclusive” club membership that was offering groceries and consumers goods at significant discounts had great appeal to the then-primetime baby boomers raising families during that challenging economic era. It was a perfect storm back then. But is it still that way today? Is joining a wholesale club really for you in 2021?

Continue reading“Is Joining a Wholesale Club Like Costco Right for You?”

Drugstore Savings: Best Ways to Save at the Pharmacy

Please note this post contains affiliate links which help to fund this blog at no cost to you. Thanks for your support!

Even though I have written so much in this blog about “saving at the supermarket” over the past 7 years, saving money at the drugstore has become just as big a deal. So today, let’s take a look at what savings at your pharmacy can really mean to you and how much it affects your budget and life!

Drugstores offer all kinds of merchandise these days and so it's important to know how to save at the pharmacy. Check out these 5 tips to save money.

Pharmacy Sticker Shock

Drugstore sticker shock seems as if it is on everything from prescriptions to toilet paper. If you look around the store, it seems like it is a very real thing if we even attempt to shop for convenience when we are already there for actual prescriptions or other medical necessities. We have all been in that position, haven’t we? But there are plenty of ways you can actually save big at your favorite drugstore. Here are a few important things to know and do when it comes to you and your pharmacy right now!

Continue reading“Drugstore Savings: Best Ways to Save at the Pharmacy”