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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Confessions of a Shopaholic: Getting Your Credit Card Debt Under Control

If you are in some credit card debt, then it is important to know that you’re not alone. Many people throughout the country are in some form of debt. From mortgages to paycheck loans, there are lots of forms of debt. There can be a way to manage debt, and get a strategy in place to help you to deal with it. If you don’t then it can quite easily get out of control. So if you are struggling with getting your credit card debt under control, here are some strategies to help you before it gets too much.

adult, beautiful, clothes

[Photo courtesy of freestocks.org/pexels.com]

Face Facts

It is important to not bury your head in the sand, so to speak, when it comes to debt. You need to own up to the debt that you have. If you carry on spending money that you can’t afford to pay back, then it will just get worse. You’ll have to pay more and more interest, and it can all just become too much. So face facts and count up how much debt that you have, as well as what money you have coming in each month. Check the rates of interest on the different cards that you have, on a site like comparethemarket.com. From there, you can prioritize, and make plans to clear your debt.

Look Into Consolidation

If you have debt, then it could mean paying less debt than if you look to consolidate your debt with a consolidation loan. You could look at a site like consolidate.loan, for example. If you have one loan, to pay off your existing debt, then it can mean that you only owe back that one loan. You should check the interest rates of everything. But if it works out that you’re paying less interest overall, then a consolidation loan could be for you.

Set a Budget

The next step is to work out how much you can afford to pay off each month. Drawing up a budget is the best way to tackle debt head-on. Look at the amount that you have to repay each month. Then look at your income each month. From there, you can set out how much you can pay off each month, as well as what you can afford on other things like your bills and groceries. From there, you can look what to cut down on, and cut out some unnecessary spending. It will help to clear your debt much faster.

Balance Transfers

For a time, you could look to get a balance transfer for your credit card. There are some credit cards out there that will offer zero percent interest if you choose a balance transfer. Meaning that you’ll have a set amount of time to make your repayments each month without having to pay any more interest. You need to be careful with these, though, as the interest rate can often hike up quite high once the zero percent interest rate time has run out. So check out the calculations of it all to see if it will make a difference to you.

With a few changes and some steps to make changes, you can take control of your debt much quicker.

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What Is The Best Car For A Shopaholic Woman? A Quick Guide!

If you love to shop, chances are, you car plays a huge role in your outings. Not only do you need it to get you to your shopping destinations safely and smoothly, you also need it to be large enough to get your buys in the boot. Of course, you don’t always spend your time shopping. You might find that you are busy a lot of the time, so you need a car that can enhance your trips and help you to get your to do list out of the way.

With that in mind, let’s talk about the car models that are best for shopaholic women!

Ford Focus

The Ford focus has a roomy interior and trunk, and offers a great driving experience sure to put a smile on any lady’s face.

Nissan Sentra

This is a practical and compact sedan that offers better acceleration and fuel economy than a stick shift.


credit to auto.loan

Honda Civic

The Honda Civic is economical, easy to drive, and reliable. There are hybrid and natural gas powered versions available too, for those who are conscious of the planet. It’s the compact-class leader and ideal for busy ladies.

Mazda 3

This car has style and space, making it perfect for you. You get driving pleasure from this vehicle that you won’t usually find in this class. There’s even elbow room for those ladies with a growing family.

Which of these cars do you like the sound of for your needs? There’s bound to be one that works for you. To help you figure out whether to buy or lease, the infographic above will be of further assistance.

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