Avoid the Retail Therapy of Shopping

There are some people that use shopping as a therapy. They feel good by going out to buy things. They feel that the items make them feel happy. They may do this for all sorts of reasons. However, hhere are a lot of reasons why this may not be a good idea. These apply if you do not have much money, storage space or time and regret your purchases afterwards.

Cost

The cost of shopping is probably the main reason why it is not a good idea. There are very few people who can afford to do something like this these days and this is why it can be a big problem for some people. Sadly, there are a lot of people in debt and shopping can cause problems with store cards, credit cards, overdrafts and payday loans. If you can afford to shop then this is not a problem, but by using credit when you shop, you effectively massively increase the cost of the items. If you calculate how much they cost you once you pay off the loans, then you will be shocked at how much things might cost.

Storage

One problem of buying a lot of items is finding somewhere to store them. Houses can be quite small these days and if you are spending money on buying things, then you will not be able to afford to buy a bigger house to store the things that you buy. Consider whether you want a home that is stuffed to the brim with items or whether you would rather have fewer things to organise, clean and tidy away.

Time

Shopping can take a lot of time. You may be better off spending that time doing other things. If you shop because you are bored, then consider whether there are other things you could be doing. You could be working, seeing friends and family or doing volunteer work. There are many other things that you can do which could bring a lot of satisfaction and happiness.

Regret

Some people will look back on purchases with regret. Having regret in your life is not a good thing and moving forward from regret cannot be easy. Think hard before you make any purchases and then you should have no reason to regret them. Also do not be afraid to return items that you decide you do not want when you get them home. Some people even feel the need to lie to their partner about purchases that they have made and this can lead to even further regrets.

Happy Money Saving Community

If the word happy or friendly is in the title, I am on it. If that also includes a community of savings, I am on that too. Happier.co.uk is the place to go for a super friendly money saving community and I just recently heard about it.  Saving money or even making money is something that makes me extra happy, all those who are close in my life can tell when business is at a slow point because my personality and mood is slightly off. Even though money is not the route of happiness, saving money could very well be a strong part of the happy trail in life.

Whether you are looking to be savvier or looking for that special deal, there is a friendly community out there waiting for you to check them out. Saving money is a skill not everyone is born with nor is everyone taught the best way to save money. I personally have never been taught well in the financial area of life, I simply wing it and do my best to live in a way that we all have the things we need because the things we want can come later in life or never at all. Having the things you need and saving money on the things you need is vitally important to me.

Money saving guides are a great way to help assist in guiding you to financial success. This means that you will be better at saving money versus spending money. This means that you would have a chance to have that extra fund set aside for emergencies and/or the things you want in life. Saving money is important in this day and age. It seems CEO’s have huge funds saved up from all of those years prior to the economy crashing supposedly and the lay offs beginning for the middle class. They say there is no middle class anymore, you are either poor or rich; who cares what they say. I prefer to focus on what I can do with my own money I earn for my household. I prefer to research money saving guides online and being a part of a friendly money saving community so that I can learn to save money and find the best deals possible.

Saving money is important, are you good at saving money or not so good at it? What are some of your tips you have for others seeking to find a way to be better about saving funds?

My Daughter’s Adorable Idea

I was waiting for the bus with my daughter the other morning when she informs me that she had a great idea! The idea?

I want to do yard work & I told Daddy that I want to do this at Nana’s. I will do yard work, like raking lawns for neighbors and anyone who drives by for money. All of the money I get I will send to victims of hurricanes and tornadoes.

I first said to her that this is a really sweet idea and that she is super caring, but reminded her that she is only 8 years old and she did say her Dad said this wasn’t a good idea. A girl at age 8 shouldn’t be doing such work he had told her. I have no problems with her raking lawns for money to give to bad weather victims if it is for family and close friends, but when I asked her how she was to get people interested in hiring her, she says:

I don’t know. I was thinking I could put out a sign and get people to stop. I will then schedule them in so I can have a full schedule of yard raking.

I told her that she best not be giving out her cell phone number to people and that she is only 8 years old, she is not to be standing by the road with a sign talking to strangers. I also informed her that even though we live in a rural, small town type area and where her Nana lives is even smaller that it is not safe for her to do this. Strangers can be mean, there are a lot of mean, evil people in this world and I don’t wish for her to do this.

Of course I got the eye roll and back turned to me, I got her to look back at me and explained that this is a really nice idea, but we can work on it at a different angle. If she truly is interested in helping others, she could draw pictures, I will scan them into the computer and we can sell them at $1 a piece. I will create a page for her, monitor the money coming in and in turn give her a check that she can give to victims.

She liked this idea.

I loved this idea!

So … the only question now is … how do we find out who to send money to for this, I am thinking Alabama would be a great place to start offering donations to if we can get people to buy her “art work” as she is a great artists for just 8 years old.

Would you buy “art” from an 8 year old with a mission for just $1?

Credit Cards for People with Bad Credit

Has anyone ever tried to get one of those credit cards for people with bad credit? I have done this in the past, it usually seems to be much like a regular credit card and I enjoyed using mine for emergency reasons and quickly paid it off. Some people, like myself, received a lot of credit card offers when they hit the ripe old age of 18. Some of those 18 year old adults were able to say no thanks and rip that application right up but I was not one of those. I ended up with three if not four credit cards at age 18 and couldn’t pay them all off, I used them irresponsibly and took three years to pay them off.

Of course, having those type of credit cards at a young age I had learned that credit cards can be good and poor credit credit cards can usually help a person rebuild their credit score if they can use the card correctly. Such as the situation when I received one of these type of credit cards and here is how they usually work:

  • Start with a balance between 150 and 1000.
  • Credit increases can happen after your fourth statement and from there possibly every four months.
  • More than 800,000 people have benefited from these types of credit cards.

So the question remains, have you tried a credit card for people with bad credit before? If so, how did it work out for you?

Disclosure: This is post from a campaign at Sponsored Reviews. All opinions are 100% my own.

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