The year is winding down fast, and for a lot of us that means last minute shopping! It’s incredibly stressful wandering around the store thinking about which item to get a friend or loved one – or all the wonderful people in your life that are doing all the behind the scenes work. I’m talking about those special people involved with your child(or children’s life) or if you don’t have kids, all those special extra people in your life. Favorite bus driver? Instructor? Neighbor? Church member? The gift you choose doesn’t have to be expensive either. Let’s face it, most budgets are barely covering Christmas presents this year. What are some great alternatives to charging up yet another credit card so we won’t offend someone?
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We have all experienced a home party of some company our friend’s sister’s cousin had over her house. The food probably wasn’t good either. Whether that party was about cookware, shakes, wraps, makeup, sex toys, make up, creams – whatever – They mostly fall under a multi level marketing system. Some direct sales business that promised an opportunity to work from home and spend more time with their family. We often wonder if these opportunities really do generate enough cash for us to quit our stressful full time jobs? Or are they just another scam? I have sat through so many parties wondering the same questions. Can you really be successful in a multi level marketing company?
Continue reading “Money Mondays – Are They Really Scams?”
It’s that time of year again when most fret they haven’t finished their summer reading lists, and start demanding a new Fall wardrobe even though they may not need one. The Back-to-School mantras and sales aren’t only for students and parents anymore – it really is for everyone. Have you been putting off buying new items because things seem to be more expensive through the summer? It’s not your imagination, it’s a reality. A lot of companies do not offer a reasonable discount on most products after all the Mother’s Day promotions back in May. Father’s Day and graduations do not really offer a financial break either. So, when can we really maximize our need for new items without going broke? The Back-to-School time frame. I’m not sure not everyone needs new pens, pencils, or loose leaf paper, but home goods, electronics, and even car dealerships are willing to give you a better deal this time of year. They want to unload all the older items before they get plenty of new stock in time for holiday shoppers. It doesn’t matter which store is your favorite either. They all will start putting the back stock out on the floor just to get it sold. That’s why it’s hard to maneuver in the store until you realize the extra product on the floor.
Continue reading “Money Monday – Maximize the Back-to-School Savings”