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.
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I generally can not stand this question when first meeting people. Yes, I understand we are moving toward a 100% connected society, and not just in America – we’re talking global networking here! That is amazing really. I also understand asking this question is the basis of networking, but let’s talk honestly about the underlining meaning of asking this question. We can conduct business around the world or even meet a future romantic partner in another country. So, why are so many preoccupied in asking about how someone makes money? We are all aware it has to happen in order for all of us to survive, but why do we all really care?
What do you do for a living?
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We have all heard of extended friends, family or coworkers that have taken vacations with the change they collect in a jar. In fact, most people are moving away from paying in cash all together, so we probably haven’t had change jingling around in quite a while. Possibly the only time was when we had to request a new bank card and was forced to use cash for a week or two. I know it can seem daunting to walk around with cash these days. If you are robbed, it’s much easier to make one call to the bank or credit union and alert them then wait for a new card versus losing all the money you were carrying in one swoop. But why not start small? Keep a smaller amount on you in an effort to start accumulate change. Believe it or not, you will be surprised at how much change you end up with at the end of the week, or end of the month. This habit will also help you save more of your money. If you physically have to remember, and count out either exact change you will know exactly how much you have spent. You won’t have to play the, “Am I going to overdraft?” game and either run home or feverishly check your account online through your phone.
It’s worth a shot, right?
Instead of scrolling through various social media sites looking for a savings solution or starting a savings plan in January only to give up by the end of February, start small and build on your savings goals. You will be very surprised at the results by even Memorial Day or your Summer Vacation, and create a new positive habit for yourself!
We have all seen or known people who are able to put money away for that rainy day. They rarely buy anything new, have an old car, don’t really go out, and utilize coupons or savings clubs in an effort to save money. In our modern times, it is more important than ever to watch when AND how you spend your money. Rent and mortgages are getting more expensive, child care is through the roof – every necessity is becoming more and more expensive; so how can we actually save money? Can any of us actually get ahead?
Continue reading “Money Mondays – Is There a Secret to Saving Money?”