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

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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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7 Tips For Shopping Abroad

Shopping in the New Age means that we can now pay for our shopping with a swipe of a credit card, a click of a PayPal account or a tap of a phone. We are also no longer restricted to our local shopping mall or what we can find online. Nowadays we can hop on a plane and we could be in a completely different State by lunchtime. If we are feeling even braver we could hop on a  plane , get comfortable in our seat and enjoy the inflight entertainment. We could even have a nap and wake-up completely refreshed and ready to go shopping in an entirely different country! Madness? No! We have all heard of people taking a weekend to go shopping in New York. Well, how about treating yourself to an amazing shopping holiday that is somewhere very different. We won’t be popping to the local mall, no, we are going to a far flung holiday destination for our shopping.

Why You Should Consider Shopping Abroad

You have heard the hype. Friends claiming that they managed to buy massive diamonds for a fraction of the price. But is that true?  Does shopping abroad really live up the hype. Could we really find ourselves buying gold for a couple of dollars?

There is no doubt that shopping abroad can mean that we pick up some incredible bargains. Who needs thrift stores when we have the whole world at our fingertips. However, for our shopping trip to be worthwhile we need to put in the research first.. We need to make a list. What is it we want to buy? There literally is no limit to what we could buy. We could pick some silk scarves from a market like the one talked about in this article https://www.vice.com/en_us/article/4w7k5d/haggling-in-beijings-silk-market-made-me-drunk-on-power-317 , a stunning house from a real estate agent like this one http://rumahdijual.com/makassar/apartemen , you will be amazed how much further your money goes, or if you always fancied yourself a dream car then this website tells you the best place to find one https://classiccars.com . However, before you get too excited and think that you want to buy an apartment or car, you need to consider that these purchases won’t slip easily into your suitcase! Also, for the car there is the cost of transporting costs and import costs. But let’s not let the technicalities stop us. We can dream!

Once you have done research you should have narrowed down your destination. Where the best part of the world for your shopping trip? You don’t want to pay over the odds for your plane ticket so use a website like https://www.skyscanner.net to find the cheapest flights for you.

Shopping abroad is a great way of really experiencing and exploring a country. Getting out on foot and shopping like a local means that you will get a more authentic holiday. However, there are some things that you will want to consider.

Tip 1 – Is It Genuine?

If you are going shopping for a specific item then you need to do your research. Find out if that item has a kite mark or a branding mark that will help identify if the item is genuine. You don’t want to be paying lots of dollars for a fake. It is only a good deal if the product is genuine. Putting in some research before you go will also help you identify the genuine vendors. Look on Tripadvisor and see if you can find any reviews for the shops or market that you are planning on visiting.

Tip 2 – Don’t Be Rushed

Don’t be forced into buying a product. The vendor will want to close the deal. You aren’t in a rush. Make sure you take the time to go and look round all of the vendors and compare prices. Another vendor might be selling the same product but much cheaper.

Tip 3 – Don’t Be Afraid To Haggle

Many countries will expect you to haggle. Don’t be scared of this. Treat it as a business transaction. Keep it polite and always smile. You need to be patient with the haggling process as it can sometimes take a while.  If you still aren’t happy with the final price then don’t be afraid to walk away. You can always come back tomorrow.

Tip 4 – Stick To Your Budget

Plan your budget and stick to it. It is only a bargain if you can afford it. Do not allow yourself to spend more.

Tip 5 – Stay Low-Key

Don’t go out shopping wearing an expensive watch and waving your iPhone 8 about. This will send the wrong messages out. It will also affect how effectively you are able to haggle. You want to be discrete and be able to blend in like a local. If you are taking a handbag then I would recommend wearing one that crosses your body and one that is fairly small.

Tip 6 – Will The Store Deliver?

It always worth asking if the store delivers. That way you can continue shopping without having to lug a load of shopping bags around with you.

Tip 7 – Pay On Credit Card

Paying on credit card will offer you a certain amount of protection. However, be sure to inform your bank so that they don’t think that you splurging the cash abroad is something to worry about. The last thing you want them to do is freeze your bank card.

Tip 8 – Transporting Your Purchases Home

You have done the fun bit – shopping! Now you need to get them home without breaking them or losing them. You need to plan ahead and bring an extra suitcase. This is then yours for the filling. Make sure that your suitcase has a lock on it too. You need to wrap any breakables carefully. Taking some bubblewrap with you is a good idea. You can then use this to wrap your precious bits. You should also sandwich your purchases between your clothes as this will help protect them too.

Trip 9 – Check Your Airline’s Baggage Allowance

Ring up your airline and check your baggage allowance. You do not want to find that you have to leave some of your lovely purchases behind because you have gone over your baggage allowance!

Tip 7 – Paying Duty

You will need to check that you understand how much duty you will need to pay on your purchases. Check how much you are allowed to bring back and what you need to declare.

Not Just A Shopping Trip

It is fun going shopping abroad but it shouldn’t just be about the shopping. Make sure you allow yourself enough time to explore the local coffee scene. Sitting back and enjoy a coffee with the locals is a great way of really sampling the local culture. Don’t be afraid to join a big table and get chatting to the person sat next to you. Most people are very friendly and happy to chat. We also need that shot of espresso if we are to continue shopping. We really do want to shop until we drop.

You should also try some of the local food. Go into a restaurant and sample some of the local delicacies. Eat where the locals eat and really enjoy the experience.

Get Insta Worthy

Going on holiday shopping is also great for any fashionista’s Instagram feed. You will find the perfect Instagram shot at the end of every alley way and on the corner of every street. With cool street art, romantic sunsets on the beach, plant-lined walls and trendy coffee shops that make for the perfect flat-lay. Shopping abroad means your Instagram feed will go from drab to fab! Makassar will make you a real mover and shaker in the Instagram world.

Time A Shopping Trip Abroad With A Festival

Time your shopping trip abroad with a music festival. Coachella is becoming so old hat. It has become a festival that is populated by boring supermodels and the fame hungry Kardashians. It’s time to go back to your music festival roots and find a new a festival. Coachella will look positively tame compared to some of the other festivals out there. There is a festival for everyone. Check out the local festivals, let your hair down and go crazy!

Shopping Abroad Is An Adventure

If you are looking for an adventure with some great shopping then a shopping trip abroad is for you. You can pick some real bargains abroad. Shopping abroad will take you out of your comfort zone, it’s not like popping down to the local shopping mall. However, this is what also makes it a valuable experience on a personal level. You are breaking out of the normal routine and you trying something new. This will help you become more confident and these new life experiences will help you in your future life. There is so much to embrace about shopping abroad. You are seeing different parts of the world and experiencing entirely different cultures. Shopping might be tough on the purse strings but it is very good for the soul.

Have you been shopping abroad? Did you enjoy it?

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Do You Know How To Plan Your Home Improvement Shopping?

Being a homeowner offers a world of responsibilities – as you need to look after your home and maintain it – as well as a new universe of shopping opportunities. Indeed, shopping for your home is very different from hitting the shopping mall to check on the latest street fashion items. But you probably knew that. What you might not have known, though, is that there are ways to shop smartly for your home, and to save a vast amount of money for services and equipment that wouldn’t be easily affordable otherwise. Indeed, when you are buying specific equipment for your household, it is important to consider carefully what lies behind your decision to purchase an item over another one. Additionally, the DIY approach can save you a lot of money in the long term, so it’s always worth giving it a go. Finally, there are ways to find additional financing options for your home improvement projects.

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What Lies Behind Your Home Spend?

At the start of your shopping journey lies the very question: What will drive the shopping reasoning? For instance, it’s important to define whether you are buying an item because you need it – such as fixing a damaged element in the home – or because you want – your entire home decor project falls under the ‘want’ category, for example. Additionally, as you decide on a specific item or several items depending on your home improvement project, it’s essential to settle only for quality. Indeed, when you buy something new for the home, you want it to last. Consequently, you may have to invest a little more in your home shopping to ensure that you can get items that you can rely on.

Can You Do It Yourself?

Hammer, Tools, Carpentry, Carpenter, Repairs

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There’s something interesting about home improvement projects. You don’t always need to hire a professional engineer; you can do it yourself. However, you need to be careful as some types of improvement work, such as electric improvements, will need to be done by a qualified engineer to be included in your home insurance cover. For anything else, you can often revert to the DIY approach. Certain home improvement suppliers, such as Bathroom Takeaway, even provide you with plenty of tips and informative content to help you throughout the project. Thus, you know what to choose, how to install it, and what DIY equipment you need in the process.

Are There Other Ways To Pay For It?

You have probably considered a loan to proceed to large-scale improvement projects. However, what you may not know is that you can benefit from governmental aids and funds to repair and modify your home. For instance, you can find home improvement loan programs that help lenders to make loans that they wouldn’t normally agree on. You can even find local financing options from your local Department of Housing and Urban Development (HUD). There are also incentives that are specifically designed to help you to address energy efficiency modifications. There are decided at a state-only level. But this is not all. You can find financial support if you are a veteran, a rural resident or even a Native American.

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