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Giving Thanks for Online Opportunities?
Giving Thanks for Online Opportunities?
© 2002 by Liz Hekimian-Williams
Have you noticed that during the holidays a lot of us start reflecting about our lives more? We think about the meaning of life, our hopes and dreams, things we regret,...
Home For The Holidays: Happy Times, Right
This time of the year is supposed to be happy. A time when family is warm and welcoming. A time for loving and feeling loved.
We watch the annual TV specials which emotionally choke us up. We watch those traditional, mushy movies like...
How to be a Miracle Maker: Create the Love, Money, Body and Spirit You Want
Here's a fascinating secret about miracles: You can't necessarily always place an order for magic at will, but you can deliberately create the conditions -- environment, atmosphere and attitude -- that make miracles a thousand times more...
The changing shape of family finances
Families are becoming an increasingly complex unit when it comes to money management. Parents are working longer hours, couples are spending less time with each other and children are becoming increasingly sophisticated in their material wants and...
Tips To Follow Before You Make An Online Student Credit Card Application
Students - Do you know what your credit card is truly costing you and how you can save money by making an online student credit card application for a card with a lower interest rate?
Many students take out a student credit card without being...
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Are You An Impulse Buyer?
Impulse buying is simply defined as making an unplanned purchase.
This can be an extra pack of cookies when grocery shopping or
buying a car on a whim. Most of us are guilty of this at one
time or another. Even though the term is simple, it probably
accounts for the majority of money problems family's have.
Planning a purchase of any kind is absolutely necessary if you
intend to use your money wisely. That extra pack of cookies I
mentioned isn't going to break your budget, but with the prices
of groceries today, it doesn't take too many items to put a
dent in your grocery allowance. However, buying a car without
prior planning can get very expensive. Besides the obvious
things like finding the best purchase price and interest rate,
down payment, money for taxes and license, etc., you need time
to decide which car is right for your family.
The below list of tips may help prevent impulse buying:
If you see something you like, leave the store without it. Go
home and look at your budget. Then if you feel you can afford
it, go back. In addition, this will give you time to think about
whether you really need it.
Always go to the grocery store or dollar store with a list.
Buy just what is on your list. If you see items you would like
to have, make a note to put them on your list for your next
trip.
Always consider the entire price of an item before buying. In
my state, if you buy a car that costs $20,000, you have to pay
about 7% in sales taxes within 30 days of the purchase. That
$1400 may not be that easy to come up with.
I know that the above ideas takes all the fun out of spending
your money. Planning and budgeting are about as dull as watching
grass grow. However, a family that budgets their money and plans
purchases, will no doubt be able to make more purchases and feel
much better about it.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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