What To Do When The Going Gets Tough

It doesn’t matter what stage of your life you’re at, or how much money you’ve had previously. Sometimes the going can just get tough when you least expect it. When it does happen, it can be a little scary for some people. But the last thing you want to be doing is panicking. The only thing you need to be doing is thinking of how to get yourself out of the rut you’re in sooner rather than later. One of the main reasons why people run into money issues is due to the holiday season, which is now officially upon us. If you feel like you’re heading towards rough waters, have a read of our advice below to give you a few tips.

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Prevention

It’s unlikely that your money situation is just going to spiral within minute, unless of course an absolute disaster happens. For a lot of people, it’s a slippery slope until eventually they’re in a situation they can’t get out of. If you are some way down that slippery slope, there’s a few things you can do to try and halt your decent. The main being you need to figure out where you’re going wrong. Some people are blind to the spending issues in their life, and actually don’t realise that they’re the problem. Analyse your incomings and outgoings, and see where you’re wasting money. It could be that you go to the cinema every weekend, or go out drinking every Friday night. All of this adds up and up, and it’s money you can’t really afford to be spending over the Christmas period.

Help

Sometimes you really need to ask for help before things get out of control. There’s a few ways of doing this. The first being a loan. They get you out of the tricky waters you’re in, as well as relieving the financial pressure you’re feeling for a while. But personal loans aren’t to be taken lightly. They can get you into trouble, especially if you don’t make your repayments on time. If you know you’re going to be careful, check out sites such as GoBear for personal loan offers. Another, probably more safer option, is speaking to your family. If they’ve got the funds to help you, chances are they always will be there when you need them. It’s much easier to speak to someone you know, and to someone who can trust you to pay it back. Some people prefer this method due to the more relaxed repayments. However, some people prefer loans as there’s no awkward stage of having to ask to borrow money.

Don’t Overspend

A lot of people are serial overspenders, especially at this time of year. One treat leads to multiple, and before you know if you’ve ran out of money. Budget each month so you know exactly what you’re going to be spending on what. Then make sure you actually stick to it. Creating the budget list is only half of it, actually sticking to it is what people struggle with the most.

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4 Ways To Find The Best Shopping Deals

Everyone loves to find a good deal.  Whether you’re blessed with a six-figure salary or you’re struggling to make ends meet barely paying your mortgage, there is no one that prefers to pay more for something than less.

In order to be able to find the best prices as a consumer, it’s important to take things slowly when doing your price comparisons.  Many people make the mistake of assuming that the first price they find is the only one there is and add the item to their basket hastily.  However, by carefully looking at all of your options and applying the following tips, you’ll be sure to find the best deals possible when making your purchases.

Sign Up For Alerts

Modern technology has made it easier than ever to be able to find the best deals for your shopping needs.  Many websites offer alerts which let you know when there is a sale going on or if a price has dropped on an item that you have your eye on.

Signing up for these alerts ensures that you get access to the low price before the rest of the crowd.  This extra advantage will ensure that you are ahead of the curve and avoid the risk of the stock potentially running out, or missing the low price before it goes back up again.

Always Check Multiple Stores

It’s important to check prices at all of the stores which you can think of which carry the item which you are looking to buy.  Even though they may be known for higher pricing than other locations, you just never know when they may be offering a special deal on a specific item.

Woman At Shoe Store

[Photo courtesy of Alexandra Maria/pexels.com]

Although usually the current prices are listed online, you can never be sure if it’s up to date.  Therefore, don’t only depend on the price listed on websites and try to make an effort to visit the store in person to ensure they aren’t having a special in-store price.

The same goes for making sure that their in-store price isn’t more expensive than their price offered on their site.  Often stores will offer special exclusive online deals in hopes of clearing out inventory quickly.

Redeem Points

Many stores offer a points program which offers a certain discount or amount which can be applied towards a purchase after spending a certain amount of money.

Make sure that you stay up to date with how many points you’ve accumulated so that you know when the best time is to redeem them.

This way you can strategize the best time to use them towards your purchase, such as during a sale, or around Christmas time.

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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.

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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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