Plan Right Now to Save Your Holiday Finances

It’s become so common for people to rack up huge amounts of debt during the holiday season, especially when they whip out the old credit card and throw caution to the wind! Between travel, parties, gifts, and décor, the amount you spend in December alone could result in an uncomfortably large credit card balance. Holiday finances can be tough to deal with.

It's not too late to plan your holiday finances. But the holidays are coming right around the corner, so now is the time to get organized.

You probably have fallen victim to it just as most of us have including me too as an impetuous youth. I lived to regret it and fortunately I learned my lesson and never did it again. So I ask this question of you now: Are you ready to plan right now to save your holiday finances?

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What is Bargain Hunting to You?

I write about savings on this blog because saving money is very important to my wife and me. I enjoy the challenges of bargain hunting and knowing and feeling that I got a very good deal, if not the best deal available. But I also know that not everyone views a bargain in terms of dollars and cents.

Remember this rule of thumb above all else:

“A bargain isn’t a bargain if you don’t need it and won’t use it!”

I’m sure if you check in your closets you will find some things you have purchased because it was such a deal, but has never, ever been used. These purchases will probably wind up as a bargain to someone else at your next yard sale.

Bargain hunting means different things to different people. Which do you value most...your time or your money? And how does that affect the way you shop?
Your satisfaction with a bargain may depend on what kind of shopper you are. Over my years in retail, I have found that people can be divided into a couple different types of shoppers. Continue reading“What is Bargain Hunting to You?”

Sure Ways to Save Money Shopping Online

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I may be a senior, but I have learned many of the newest ways to save my money when I shop. I have moved from the art of tracking down and clipping paper coupons to all of the current ways to save money shopping online. If you’re not using them, you’re missing out on cold hard cash!

You can save money shopping online when you use cash back portals and other promos and offers. Use these five sites to maximize your savings.

The internet has completely revolutionized the way we shop and if anything, staying at home during this pandemic has made it even more important. So if you are going to save time and gas by shopping online, why not make it a trifecta of savings and also save on your actual spend? That’s why today I am talking about some surefire money savers for online shopping!

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Buy Everything You Need When It’s on Sale

Yes, it’s your biggest dream and a worthy goal. Only buy the things you want and need when they are on sale and always get the best deal when you do it! If only, right? Well, you may not be able to guarantee it, but you can at least try. And that leads me to my mantra and it must always be yours too: Never, ever buy any appliance, furniture, or any other item if it’s not on sale!

To save money on what you need, always buy on sale! Here's when and how to buy everything from homes and cars to clothing and home furnishings.

That must be your number rule if you wanna be “a star in my show”. And guess what? Retailers know you understand that and so they will use every way they can think of to trick you!

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Online Shopping Is How You Will Shop…Forever?

Getting into the swing of the online shopping experience right about now? It seems that you have to simply because for the past two months almost every “non-essential” retail outlet has been closed down due to the coronavirus. So like it or not, your computer/tablet/phone is your shopping outlet. But, pandemic or not, don’t be too surprised if online shopping will be how you will shop…forever!

Online shopping has been around a long time and is flourishing with current events. But will it be the way we shop from now on?

A Little Retail History

I’m going to skip past Org and Thor exchanging animal furs for food and go right up to the world of America in the 1800’s to save a little time here.

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Celebrating Mother’s Day in a COVID-19 World

As a former boss of mine once said to me (and I have regretfully repeated over the years), “Father’s Day is the most important day of the year”…not! Let’s get real here, your mom was, has been, and still is the very most important person ever. I’m not here to list all the reasons why and that is because you already know that without her, you just wouldn’t exist, so case closed. If you are fortunate enough to have your mom still around, it’s really important to recognize her. But how will you celebrate Mother’s Day in a COVID-19 world?

Mother’s Day is coming, but this year it may be difficult to see your mom in person. Here are some ways to celebrate from a distance.
Family Together in Bedroom

Some Things Still Haven’t Changed – Yet

Whether you’re staying at home or not (and you must social distance in order to protect yourself and everyone around you), you can still send your mom a heartfelt or funny greeting card and you can do it without ever leaving your house.

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Stop Buying These 8 Things and Save $6,320 This Year

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There are lots of articles about how you can save money by changing your lifestyle, sometimes even turning it completely upside down. I have even preached about such things as downsizing your home and even giving up your car and of course when you do those things you will save a ton of money. Those are real ways to do it if you are ready to really make big changes in your life like when you are entering into retirement or after the kids are gone and off on their own.

You can save money by making big changes or by cutting every luxury. But if you simply stop buying these 8 things, you can painlessly save more than $6,300.

Yet there are other little ways to save a lot by cutting out just a few of the small guilty pleasures in your life. People also write about some of those obvious money wasters and non-essentials such as Starbucks lattes and the high cost of cable premium channels that can really add up your expenses every month. But, life is too short to give up all of the little perks in life you love, isn’t it?

So what can you really do to save big money right now?

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The Best Time to Buy Things This Year

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Every year I am amazed at how many people ask me when is the best time to buy certain items that they need. Unfortunately, my reaching out to a few friends and acquaintances helps only a little bit. Most people buy things on impulse or just when they absolutely may need something and never have a well-made plan when they do it. No matter how many times I see it, I have to shake my head and ask, “Why didn’t you wait or didn’t you know that it was just on sale last week?”

To get the best deals, it helps to know the best time to buy your purchase. Here's a month-by-month guide to finding the hottest bargains.

The prices of most things that are “on sale” are sometimes questionable. By that I mean: sale prices are determined by the retailer and that’s why items at one store’s prices are sometimes very different from another. Competition has an effect and helps keep prices in line and similar, but not always. There are other factors such as seasonality, store location (like a resort gift shop compared to your local Kohl’s store when you need a bathing suit, LOL), and the amount of inventory a store has on hand at any given key time of the year.

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