Posts Tagged 'shopping'

We are pleased to present below all posts tagged with 'shopping'. If you still can't find what you are looking for, try using the search box.

Are you guilty of buying things you don’t need? Are your closets full? Maybe you get a rush shopping?

All of us have probably purchased something we didn’t need. But, do you know why? Lauren Greutman, gives reasons in an article she wrote for the Huffington Post. Here are a few she discovered, with my solutions to the problem. You want to impress people. Solution: Find your true identity in Christ. Greed and pride can stunt your character and will keep you in bondage. You’re in the habit. Solution: In just 21 days you can break the shopping habit and develop a savings habit instead. Only go to the store if necessary and then, with a list. Avoid any impulse purchases. Pray before you go to avoid temptation. You don’t think through what you already have before buying. Solution: Could it be that you are not thankful for what you have? Or, maybe your closets are so full you have forgotten what is there? Use what you have and donate or sell the excess. You’re depressed and you feel better buying stuff. Solution: In the long term, these purchases are not ...

Popular tags: , , , , ,

Thinking about buying a home? You may not want to wait until next year.

You may think December is too busy to consider house hunting, but expert Robyn Woodman at Trulia.com explains that lower buyer competition, motivated sellers, and year-end tax benefits are good reasons to make a purchase now. If you are in the market, it may be worth taking a vacation day to work with a realtor who probably has more time available for showings.  Homes are priced to sell in December because there are fewer active buyers. You may get to avoid multiple offers, bidding wars and escalator clauses. For a home to be on the market in December there may be a need to sell due to a job relocation, financial hardship or personal change of circumstance. It gives you the opportunity to negotiate a price and closing date that works for you. Closing by December 31st allows you to deduct property taxes, mortgage interest, origination points on your loan and interest costs. December is traditionally a slow month for mortgage brokers, meaning they may be motivated to offer special ...

Popular tags: , , ,

6 Christmas Budget Busters - The most common traps to overspending at the holidays and tips on how you can avoid them

Christmas shopping can be the most expensive and stressful shopping experience of the entire year year. Many stores count on last minute, frantic shoppers to overspend out of desperation. Crown Financial Ministries has compiled a list of these Christmas Budget Busters for you to lookout for and tips on how to avoid them. Procrastinating. We’ve all been guilty of this at some point, but procrastinating around Christmastime is a dangerous budget-buster. If you feel stressed, frantic, or rushed while you are shopping, you’re likely to spend more than you planned. Stores anticipate this and place the big, sparkly displays with the over-priced items in the most visible places throughout the store. You see it, grab something in a rush, and checkout without even consulting your list or budget.  How to avoid it: Shop smart! If you have waited to the last minute, take a friend or set up accountability for yourself when you go shopping. Cramming in last minute ...

Popular tags: , , , , , , ,

I think gift cards are a bad idea for a Christmas present

Here are my top four reasons I don’t think unrequested gift cards are a good idea:   #1 – Ever wonder why you see racks of gift cards at every grocery store and retail store?  Studies show that between 20 to 25% of those that receive them never use them.  In other words, the stores make a fortune knowing the cards are likely to go unused due to loss or forgetfulness. #2. They are not the same as cash. If you get a $25 gift card and only spend $23 – you will have a balance of $2 on your card. These small, unused balances are likely to never get used. #3. Some have expiration dates and even penalties if they go unused. To the contrary, cash can earn interest while it is unused. #4. The card limits your options to that specific restaurant, or Starbucks or that iTunes store. Cash can be spent or invested anywhere. If you are not sure what to get your loved one and are tempted to get them a gift card – I have a better idea. Make them a very nice card and ...

Popular tags: , , , , ,

Holiday Havoc: Married to Ebenezer Scrooge, but I still love Christmas!

Originally posted on the Christian Post on December 9. To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity. Dear Chuck, My spouse and I are on the opposite sides of Christmas. He’s kind of an Ebenezer Scrooge, doesn’t want to spend any money and thinks most decorating is a waste of time and resources, but I love the excitement of the season, and gift giving is a way I like to show my affection. Every year, we end up having huge disagreements over how to celebrate the holiday. He is a Christian, and so we both share an appreciation of Christmas as a celebration of Jesus’ birth, but we are not on the same page at all on what that looks like … or how much money to spend. Can you help us? Tired of Christmas Conflict Dear Tired of Conflict, If it makes you feel any better, you’re not the first person to ask me that question. Just because you and y ...

Popular tags: , , , , , , , ,

Want to celebrate Christmas without blowing your hard-earned savings? Today, some tips for a Christmas without the financial stress.

First of all, protect yourself from advertising overload. Companies know how to play on our emotions to get us to purchase their products. Rather, pray for legacy-building ideas that don’t require money. Intentionally plan a stress-free holiday that allows you to focus on Christ, the best gift of all. What do you have? Think about it! Time, talent, and training cannot be underestimated! Give of your possessions. Pass down things that can be treasured by others. Take note of what your children or friends especially like in your home. Write letters expressing your love and appreciation. Think about holiday entertainment that you be do as a family without spending money. Serve together. Is there a needy family, widow, or shut-in who your family could help in some way? Yardwork, cooking, cleaning, and car or home repairs are a few ideas. Play together! Board games, puzzles, hiking, walking and outdoor sports are great. Have a bin of toys to occupy the young ...

Popular tags: , , , , , ,

Be on high alert for scams!

Unfortunately, this wonderful time of year is when scammers attempt to prey on shoppers. The Better Business Bureau publishes a list of the Top 12 Scams of Christmas. Here are a few to keep in mind. Fake charities: The holidays create a great opportunity for scammers to solicitdonations to fill their own pockets. Beware of solicitations from charities that cannot deliver on their promises or pretend to be representing victims that do not really exist. Stolen or Fake gift cards: Buy gift cards only from reputable  dealers, not online or from individuals. It is easy for scammers to sell a card and pull out the funds before consumers can even give it as a gift. Deceiving deliveries: Do not accept notices about delivery delays or confirmations on unordered packages. Scammers often pose as well-known retailers or shipping companies to gain false credibility and access to consumers' computers. Puppy scams: Be careful about buying pets online. Consumers may be unwittingly buying from a puppy mil ...

Popular tags: , , , , , , ,

HELP! I’m not Ready for the Holidays!

Dear Chuck, I cannot believe that it’s Thanksgiving week, and Christmas is coming in weeks. Most of the time, I feel more stressed than thankful at this time of year (unless you count how thankful I feel when it’s all over!). Have any advice about making Christmas more about Jesus’ birthday and less about a shop-til-you-drop time of year?! Tis the Season for Stress Dear Stressed, Christmas is my favorite season of the year! It is the largest birthday celebration on Earth and appropriately so! Yet, we have tragically moved from worshiping a child lying in a borrowed manger that first Christmas Day to the modern extravaganza marked by frenzied shopping. Just this week my wife and I noticed a mammoth inflatable of Santa and his twelve reindeer on sale at the home improvement store. For only $299, this “yard decoration” could practically hide your entire house from view. Is there any end to these  needless expenses? I’ll step off my soapbox and get to your question... ...

Popular tags: , , , , , , , ,

Black Friday Survival Guide - 10 Ways to Avoid Overspending on the Biggest Shopping Day of the Year

According to Balance, 133.7 million Americans went shopping on Black Friday weekend in 2014 and spent a total of $50.9 billion. Stores count on bringing in at least 30% of their annual sales justbetween Thanksgiving and Christmas, making you the apple of thousands of marketer’s eyes. So how can you avoid getting dragged into the biggest shopping day of the year and find the best deals while not breaking the budget? Here are 10 tips to keep you from overspending this holiday season. Create a budget. This may seem obvious, but you have to plan ahead and know how much you’ll spend before you start. In order to have an accurate budget, start saving early and don’t budge on the bottom line. Make a list. Think through every person you need to buy a gift for and try to decide what to get them before you go shopping. Spending some time planning up front can keep you from overspending once you start shopping. And it wouldn’t hurt to check your list ...

Popular tags: , , , ,

Black Friday Survival Guide - 10 Ways to Avoid Overspending on the Biggest Shopping Day of the Year

According to the Balance, 133.7 million Americans went shopping on Black Friday weekend in 2014 and spent a total of $50.9 billion. Stores count on bringing in at least 30% of their annual sales justbetween Thanksgiving and Christmas, making you the apple of thousands of marketer’s eyes. So how can you avoid getting dragged into the biggest shopping day of the year and find the best deals while not breaking the budget? Here are 10 tips to keep you from overspending this holiday season. Create a budget. This may seem obvious, but you have to plan ahead and know how much you’ll spend before you start. In order to have an accurate budget, start saving early and don’t budge on the bottom line. Make a list. Think through every person you need to buy a gift for and try to decide what to get them before you go shopping. Spending some time planning up front can keep you from overspending once you start shopping. And it wouldn’t hurt to check your list twice. D ...

Popular tags: , , ,

    There are no comments.