Credit, in the form of credit cards, is something most of us want, need, and use almost every week of our adult lives. Learning how to use a credit card wisely helps us to save money in the long run and avoid the trap of ongoing debt. Many of us use credit cards for convenience, so that we can avoid carrying cash in our pockets for purchases like groceries, gas, and household items. This makes sense when done with responsibility, thought, and keeping your budget foremost in your mind. Many advisors say to pay cash for everything and avoid credit cards entirely. I disagree. Credit is important to have and protect, and to learn to use wisely.
When you’re a shopper, no matter what you’re shopping for, there will be times when you are dissatisfied and will need to know how to deal with customer service. Since I have had many years’ experience in the retail world, from department stores to specialty retail to grocery stores, I frequently am asked what to do when shopping and you’re not satisfied. There are practices that I advise, because remaining calm, honest, and professional will achieve results.Continue reading“How to Deal with Customer Service When You’re Dissatisfied”
Do you have a monthly grocery budget that’s working for you? Too many people head to the supermarket, start shopping and know that they are finished when their cart is “full”. Without a workable budget to guide your shopping, you’re probably spending more than you need every month with much of it going to waste.
Unfortunately, for lots of people the idea of budgeting is either scary (will I need to know spreadsheets?) or restrictive (I just want to buy what I want). It doesn’t have to be either one. A grocery budget is simply a goal to help you plan for what’s really important. You can treat it like a game where the object is to see how little you can spend while still providing nourishing and tasty meals and snacks for your family and the prize is putting that extra money toward another goal.Continue reading“Supermarket Savings: Your Grocery Budget – How to Make it and Stick to it”