5 Shopping Habits That Could Lead To Debt

There is always a new dress waiting to be bought, the latest color of nail varnish that we just have to have, or perhaps this season’s handbag. Being a fashionista can be an expensive business. Looking our best can be expensive, and that’s when we can find ourselves in money problems, and as a result fashion can suddenly seem a lot less fun! What shopping habits should we be avoiding if we don’t want to end up in debt!

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  1. Never buy something on impulse. I know we all love an impulse buy but it can be dangerous for a number of reasons. We don’t actually need it and we are probably paying over the odds for it. You should always make a list of what it is you are going to the shops to buy and then stick to that list! Less fun but far more practical.
  1. You don’t set yourself a budget! You go out and you just keep splashing that cash. That is a dangerous game to play! Yes, that dress might look amazing on you but you still have bills to pay and you want to keep a roof over your head. Make a spreadsheet and set yourself that budget.
  1. You pay for everything on credit card. This is a bad habit to get into. The problem with paying on credit card is that you lose track of how much money you have already spent. Then before you know it you find that have several credit cards with debts and you have no way of paying those debts back. If you ever find yourself in that situation then you can visit the website debtreliefprogram.co for further information. However, to avoid this situation in the first place you should pay with cash. I know that some people don’t like carrying cash because they worry about getting mugged. However, paying in cash is by far the most sensible option. Don’t flash the cash and you should be fine!
  1. You bury your head in the sand each month. You buy all of those lovely new clothes on credit card and then you refuse to look at the bills. This is dangerous! Before you know it you will have debts spiraling out of control. If you are going to use a credit card you need to keep a close eye on your debts and you need to be making decent repayments every month.
  1. Just one more dress. You find yourself constantly saying “just one more dress” and then you justify it by saying you need it for that work conference or a party that is coming up. Stop it! You will always find a reason to buy something. Stop kidding yourself and tell yourself – NO! You don’t really need that dress. What is going to happen if you don’t buy it? Nothing. The world will still be turning but at least you will still have some more money in your bank account.

Being a fashionista can be an expensive business. Sometimes we need to be more aware when we are shopping and we need to ask ourselves that old age question –

“do I really need this?”

Yes, we want to look good but we don’t want to go broke because of it. We can follow fashion but we also need to be sensible.

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Shopping Streets of the Rich & Famous

It’s no wonder the rich and famous look great, have beautiful hair and blemish-free skin – they’ve got the money to buy the most expensive products after all. On top of this, they have stylists, beauticians and everyone in between helping them to achieve star style, it doesn’t come naturally, you know.

Copying their look means you’re definitely going to need some cash and as most people don’t have thousands to splurge on looking good, picking the jackpot lottery numbers could help you to get one step closer to your dream of looking like an A-list star.

Of course, there’s nowhere better in the world to find quality designer goods than the fashion capitals of London, Paris, New York, Tokyo and Milan. When money is no object, hotfoot it to these shopping destinations of the rich and famous and get ready to look a million dollars.

Fifth Avenue

The fashion-obsessed will feel right at home with the major shopping attractions on offer on New York’s Fifth Avenue. Internationally known for its plethora of shops and boutiques, cutting-edge trends and designer brands, it will no doubt hit the spot – and your purse.

Of course, you can’t visit Fifth Avenue without stepping a well-heeled foot into upscale department store Saks. It’s been providing shoppers hungry for designer clothing with quality items since 1824 and doesn’t look like it will stop any time soon.

People Walking on Street Near Concrete Building

[Photo courtesy of Caio/pexels.com]

Avenue Montaigne

Zut alors, this shopping district in Paris boasts the largest number of world-class stores in one area, such as Christian Dior and Chanel. Situated between the Champs Elysee and the Seine river, Avenue Montaigne is one of the fanciest shopping streets in the world.

Few places on earth can boast such a high concentration of haute couture designers (even fancier than designer as everything is custom made), meaning it’s often frequented by celebrities – just recently Kim Kardashian and boyfriend Kanye West were spotted stocking up there. This is the place to take your bingo winnings and splash out like a star.

La Rinascente

This elegant Italian department store in Milan is one of the oldest in the city and boasts eight floors of high-end brands. The whole place is steeped in fashion history – Giorgio Armani made his first creative steps as a window dresser here and top Italian architects are responsible for every detail of its impressive building.

Bond Street

This shopping street in Mayfair is home to the most elegant and expensive shops in London – Gucci, Armani, Burberry, Dior, to name but a few. You know you’ve made it in fashion if you have a shop here.

Also taking up residency on Bond Street is high-end auction house Sotheby’s for those who are after something truly luxurious and unique.

Ginza

Tokyo’s most famous upmarket shopping district is worth millions, making it one of the most expensive retail areas in the whole of Japan. A cup of coffee will set you back around £8 so its no surprise that this is the place to come to indulge in some luxury shopping.

Virtually every single designer brand has a store here – Cartier, Chanel, Burberry – you name it. On top of this, Ginza is also a great area to catch some theatre, a cutting edge art exhibition or put your feet up with a cocktail.

From classic shoppers to evening bags, this collection is a guide to the top five designer bags. While many of us may not be able to afford them, we can all aspire to having one some day. Besides, if you’ve come into some winnings after a spot of eyes down action on Posh Bingo let’s say, then you can easily nip down to the high street and pick one up.

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Gifting The One You Care About With Earrings

If you go to museums in Israel or Cairo, Egypt, one of the most surprising things that you will see is a display of earrings from 3000 years ago that is not too different from the earrings that are in vogue today. It is surprising because in the history of design, jewelry designers talk about different periods in time to denote a style change or trend, but don’t really talk about the history that underpins most new movements.

So if you do have an interest in art and earring history, you can actually be somewhat large in the jewelry world as a connoisseur or as a specialist because there certainly are an absence of those at a scholarly level.

Of course you could also settle for being a boyfriend or a loved one that wants your friend to have the best jewellery that is available on a special occasion.

Woman Wearing Pendant Earrings and Sunglasses
[Photo courtesy of picjumbo.com/pexels.com]

Here are a few things to consider when you buy earrings for a special person:

Do reconnaissance:

Okay, normally you wouldn’t spend time observing the one that you care about so closely when it comes to the jewelry that you wear. But to be a completely successful significant other, you may need to do some reconnaissance so that you can know what to get when you buy women’s earrings online for them.

Essentially, you have two options. Firstly, you could learn everything about your friends wardrobe and what they like to wear so that you can make a choice that blends into the lifestyle that they are currently leading. On the other hand, as a second option, you could go look at jewelry online for women that uses basic colors enough for people to wear with any type of outfit that they have. That means sticking with gold or silver as a base design and then using a unique design of the earrings as part of the gift.

Casual works:

You don’t have to find the most Victorian or elegant earrings in order to ingratiate yourself with the one that you care about. Sometimes, just choosing to work with earrings that are casual from online sites like the moltenstore.com can put your friend ahead of the trends while still providing them with enough of a sense of tradition for them to enjoy what they receive.

When it comes to casual, the key for you as a giver is to get something that isn’t quite as stylized as someone might get themselves unless you plan on giving her earrings frequently or if you are getting them for a specific occasion such as a Halloween party.

Surprise her:

All right, even though casual and simple stylings can be something that make your significant other quite happy, don’t forget to go ahead and try for a spectacular gift once in a while. You can do so by finding some of the best emerald, ruby, or opal earrings available on the market and getting them for her. What you will find is that those types of stones can often be had at a discount that makes them much less expensive than diamonds.

Moreover, when you get stones that are green or red or blue as an earring accessory, they will tend to look much better on your date as you are out in public. Hmm- so she is happy and she looks good with you when you are out somewhere. Sounds like a pretty good combination.

Finding the right earrings for the one that you like can be a lot of fun. If you know a lot about her and find what she likes, you will like see the greatest emotional return on your investment.

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Thinking about Your Financial Future: What You Should Be Doing

Wearing jewellery isn’t the only thing that you can do at any age: you can think about your financial future at any age too. Yes, it’s true, you’re never too young to plan for your future and how you will spend/save your money in that future. And if this sounds like something you’d like to do, then make sure to read on to find out exactly what you should be doing.

Do research into the world of finance

If you want to successfully circumvent the world of finance in the future, then you should really be doing research into it now. This means that any teenagers out there should be doing their homework into things such as the safe taking out of personal loans, even if their teachers aren’t teaching it them in school. It means people in their twenties should be learning about savings accounts and ISAs in order to learn how to both save and grow money, despite the fact that they might just be living in the moment. It means people in their thirties should be learning about all the ways to get themselves out of a financial fiasco, should they ever find themselves in one; one way to do this is learn all about debt consolidation from an informative sateen the matter, such as debtconsolidationprograms.co. And it means people in their forties should really be focusing on their pension schemes and planning for retirement, no matter how far away it is.

Money, Coins, Finance, Currency, Business, Investment

[Photo courtesy of nattanan23/pixabay.com]

Start planning for retirement, now

And that brings us on to our next task when it comes to thinking about our financial futures: planning for retirement. And, it’s not just people in their forties, fifties or even sixties that should be doing this either. No, everybody should be doing this, no matter their age and no matter how far away their age of retirement is.

One thing that anybody who is thinking and planning for their retirement must do is begin contributing to some sort of fund or pension (as well as the pension they are provided by their national government and their workplace). Specifically, the type of fund everybody who is thinking towards their retirement should be contributing their earnings towards is a Roth retirement fund

. This type of fund is something that both you and your employers contribute money towards, and when taken out will provide you with a tax-free income. So, if you and your employers spend a lifetime contributing to such a fund, you will reap the benefits of it when you come to retire.

No matter how old you are, no matter how much you earn and no matter how financial conscious you are, you should always be thinking about your financial future. Why? Because having a strong financial backing is something that is needed if you want to to live a long, stress-free life. Today’s the day to get started on doing your research into the world of finance and to start contributing towards your retirement — so do it!

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