Archive for November, 2007

Here’s To Keeping Your Priorities Straight – Have a Happy Thanksgiving!

Thursday, November 22nd, 2007

Money is an important part of life but sometimes it can be very fleeting. Just look at the world stock markets recently. What was a high flying market has now come back down to earth and bottomed out. The market will eventually rebound, but it’s a stark reminder that the accumulation of money should be a means to an end, and not become the goal itself.

I hope we can all learn to be extra generous during this Thanksgiving season and cherish the important family, friends, and loved ones in our lives. It’s important to keep spending under reasonable control, but don’t let it prevent you from sharing your generosity with others. Money can be replaced, but good friends and family cannot.

Have a wonderful and Happy Thanksgiving and remember to eat hearty (don’t worry, you can work off the pounds later on the treadmill). Enjoy the Black Friday shopping festivities! :)

Remember To Keep Your Holiday Shopping Spree Under Control

Tuesday, November 20th, 2007

The holiday season is a time for good memories and cheer. But it’s also a time when people are looser with their wallets, more readily open to the idea of spending more money than usual on presents for family, friends, and loved ones. It’s easy to take out the ole credit card, swipe it through and not worry about it until later. But that later time will ultimately arrive in less than a month. When you finally open up your next bill or when you log into your online account to check your statement balance, prepare to be stunned. Somebody’s going to have to pay all that back to the credit company and I’m betting it’s going to be you.

Don’t Let Holiday Shopping Hype Force You To Make Bad Decisions

Just because it’s the holiday shopping season doesn’t mean you have to forget all the frugal living common sense you acquired throughout the year. Don’t throw all that out of the window. Christmas and the other holidays are still a month away. You still have ample time to plan ahead to make sure you are making the most efficient use of your shopping budget. Don’t panic and start hitting the department stores without doing your research first to make sure you are using all of the available coupons and discounts out there.

Here Are A Few Of My Thoughts and Common-Sensical Tips Regarding Holiday Shopping

  1. Personally, I prefer to do the bulk of my shopping online. By browsing online, I can use shopping portals that offer cash back and make better use of online only discount coupons. Plus, I don’t have to waste time driving from store to store, dodging shopping carts and bumping elbows with other hectic shoppers. Online auction sites like eBay also tend to offer the best deals. Right now I’m trying to buy a women’s authentic North Face fleece as a present and eBay is where I’ll be getting it! You might have to do some extra inquiring and background checking to verify product authenticity though.
  2. If you do plan to hit the brick and mortar stores, make a list of who you are shopping for and what you need to buy. Stay on target and don’t stray too far from your budget and list, or else you’ll end up severely over-shopping.
  3. Always keep that receipt! Despite my words of advice, I’m betting everyone is still going to over-shop. You are going to need that receipt to return those items.
  4. Whatever you do, stay away from registering for department store credit cards. Applying for them may save you money for one day and allow you to take advantage of one time promotional discounts, but it’s not worth it. Interest and fees tend to be higher than that of other credit cards and the application itself with ding your credit report.
  5. Remember to make your purchases using reward credit cards. That way you’ll be able to earn cash back and reward points for your expensive purchases. Credit cards offer a lot of usage benefits, but they are not for everyone. If you have difficulty handling the responsibility of using credit, perhaps you should just stick with cash for now.

Black Friday Is Back and Shoppers Are Going Bonkers

Monday, November 19th, 2007

Well it’s that time of the year again. The holiday shopping season is nearly upon us and consumers are starting to get all giddy like little schoolgirls. Although I try to keep my own giggling variation to a minimum, I must admit that I do get caught up the bargain hunting hoopla.

Black Friday Means Deals and Lots Of Them

For those of you who are not familiar with what it is, Black Friday is the crazy shopping frenzy that immediately follows Thanksgiving. It draws so much consumer and media attention because the day has traditionally signaled the start of the Christmas shopping season. It is called Black Friday because it always falls on a Friday and is the day when many retailers finally turn a profit – their balance sheets finally going into the black. Although Black Friday is not always the busiest shopping day of the year, many retailers frequently release their most lucrative deals and promotions on this day.

I Love The Hype and Excitement, But Participating Is Another Matter

I enjoy following the news and coverage that surrounds Black Friday events, but I’ve never actually gotten up early enough on Black Friday to take advantage of those one time a year deals. I think the closest I ever came to shopping on Black Friday was wakening up at noon on the day after Thanksgiving and strolling into a nearby Best Buy to see if there were any deals left. By then the store had already been picked clean by other crazy shoppers, leaving behind a bunch of weary eyed and exhausted sales staff.

If you want to take part in Black Friday and snag some really good deals, you must get to the store of your choice as soon as it opens for business the Friday after Thanksgiving. Competition among shoppers for the best early bird specials can be very cutthroat, so beware!

I’m Not Hardcore Enough To Compete With The Die Hard Bargain Hunters

The biggest problem with Black Friday is that only a select few will be able to take advantage of the lucrative sale promotions. The Black Friday sales that stores dangle are indeed very attractive, frequently offering more than half off the original retail price, but the promotional items are usually available in extremely limited quantity. I think most buyers think they will be one of the lucky ones to snag one of those coveted Black Friday deals, but believe me, there are many more other people who have the same determination in mind.

I’ve been trying to find and buy a cheap laptop for myself for a few months now. I did some research and discovered that Best Buy will be offering a brand new Sony laptop for only $399 as part of its Black Friday sale. But the fine print indicated that only 15 units were guaranteed to be at each store. Getting one is going to be very difficult.

As much as I’d love to get my hands on one of those laptops for a great Black Friday price, I’m not willing to stand in line for hours or even days before the sale just for the right to buy it. I’d be competing against the crazies who are willing to wait in line for hours. These are probably the same shoppers who were willing to wait in line for days, just for the right to buy prized gadgets like the Xbox 360 or Sony Playstation 3. I’m just not hardcore enough. I guess I’m a softy when it comes to shopping at brick and mortar stores. :(

I will probably visit a few places on Black Friday, but more likely than not I’m going to make most of my major purchases online, where I don’t have to push over little kids and soccer moms to fight for the product I want. But if I really wanted to score that laptop from Best Buy I probably would need a better game plan. I’ll need to bring along a few friends and my brother to help block and tackle other shoppers to prevent them from reaching the coveted merchandise before I can. Has this strategy actually worked for anyone else?

Freebies – 7

Sunday, November 18th, 2007

I’m always excited when I can get my hands on one of these free Starbucks gift cards. Second to only free magazine subscriptions, they’re one of my favorite freebie offers. This time there’s also an offer for a free pair of women’s cashmere fingerless gloves. How interesting!

As always, the items listed below are available as of the date of this posting, but keep in mind that some may not last too long once people get a wind of them. So get them while they’re still there! Please let me know if and when they are no longer available. Here they are:

  1. FREE Starbucks $10 Gift Card – If you wait for the animation to finish and then sign up to receive information about the Hyatt Hotel as a possible meeting location, you’ll receive a gift card for free coffee drinks.
  2. FREE Starbucks $5 Gift Card – You might have to view the site using Internet Explorer rather than Firefox or you’ll get a weird blue screen. The offer is supposed to be for medical professionals only.
  3. FREE 2008 Betty Crocker Calendar – While supplies last of course.
  4. FREE Biz Laundry Detergent
  5. FREE Cashmere Fingerless Gloves – Looks like it’s for women only. For this offer, enter UPC Code Number: 7560901226
  6. FREE Degree Silver Ice Deodorant
  7. FREE Feiya Express Peeling Cream – Not sure what this is, but I get the feeling women might find it useful.
  8. FREE Listerine Whitening Quick Dissolving Strips
  9. FREE Rocky Water Polymers For Plants – Aids in the growth and maintenance of house plants.
  10. FREE Screwdriver 6-In-1 Set From Kobalt Tools – Sign up for their email list and you’ll receive a voucher for a free screwdriver kit. It’s a handy man essential.
  11. FREE Stress Ball – Frustrated about something? You can squeeze the tension away with this squishy toy.

Remember to check out past Freebies if you haven’t already done so. Hopefully the offers haven’t expired yet.