6 Tips of Smart Christmas Shopping

Christmas soon arrived and to please your loved ones, you are planning to buy variety of gifts for them. But in the midst of economic crisis, you should be smarter to shop. Today, very hard to earn money, in fact a lot of people are laid of from their work. So, you have to be wise with your money and don’t let the money you spend beyond the budget. There are a few tricks to do smart Christmas shopping, namely:


1. Start earlier – Do it from now
The reason is the store is not too crowded and the amount of goods still lot, so you can be more free to choose the gifts you want to buy then you can choose good quality goods with reasonable price.
2. Conduct research
Find ideas about the kind of gift that will be given to the people you care about by browsing to the online store, reading magazines, watching TV, and chatting with friends. So you will get idea bout the right stuff to give.
3. Gift List
Create a gift list before shopping. Write the name of the person you want to give a gift, type of gift, and the store where the gift is sold.
4. Do not over-budget
Don’t let the amount of money you spend beyond the budget that have been made. Of course you don’t want to start 2010 with a lot of debt right?
5. Don’t forget to compare
Check the online store in advance about the specification and price of goods you want to buy, and then compare it with the offline store. Considering the discounts offered too. If the price of goods at the online store can be much cheaper, then you don’t have to bother to go to the shopping center.
6. Special wrapping
If the stores offer special free wrapping service, I recommend to use this service, because it can save a little money to wrap the gifts.

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How To Stop an Extravagance Habit

How To Stop an Extravagance Habit? Extravagance will make you poor. Current financial crisis push us to be thriftier. Extravagance is a symptom of the real problem, which becomes compensation of the personality or obsessive compulsive disorder, which can appear in various forms of addiction. Did you read the novel or watching Confessions of Shopaholic movie? In the novel and movie was illustrated clearly how the main character is obsessed with shopping, even though the stuffs are not necessarily needed. So, her credit card bills are charged large enough, and she can not pay the bill.

Of course you do not want to end up like her. Extravagance can destroy your finances and very difficult to fix. Thus, I suggest you to follow these steps below to make you able to stop wasting your money.

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Are you an extravagant?

Are you an extravagant? Confessions of Shopaholic is a novel written by Sophie Kinsella which has filmed with the same title, it has opened the eyes of the women that the spender has made themself suffer because of debts that has to be paid and also make people who love us suffer, because we often lie to cover our big expenditures.

Note : In the next post, I will give you some tips so that you can stop to spend your money unwisely.

Are you an extravagant? To find the result for this question, please answer the following questions with yes or no answer.

1. Do you shop or spend money because you feel depressed, disappointed, angry, scared, or lonely?
Yes or No

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All About Savings

Economic recession often becomes something feared for many people. Prices of goods rise, but you still need purchased them. A few steps below can be inspiration for you to make savings.

1. Understanding the benefits of goods
Sometimes we buy things because we like it, but we do not know the usefulness. For example you buy a mini skirt, but you know that you never dare to use it. So it’s useless because that mini skirt will only to be put in your wardrobe.

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Financial Preparation For The Old Age

It is not doubt, that all of us will be old. Everyone need financial preparation for the old age. When age is no longer productive, we are often confused how to prepare for our future. Although we are old, surely we still need income for financing our needs and wants. So it is better if we prepare for the old age from now on. There are several things that can be prepared to get free financial freedom since we’re still productive, namely:

1. Standard Asset
Standard assets include houses, land, and cars. As long as we are young and healthy, don’t forget to prepare standard assets that will facilitate your life in the old age. Imagine if you are old and do not have your own house or car. It will be inconvenient, because you have to rent a house or even stay at son or family house.

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11 Tips for Women To Save Money

Saving means not only save the money in large amounts. There are so many ways to collect your pennies and increase your saving. These are only simple tips to save money :

1. Maximizing debit card
If you use a debit card, you can pay according to the amount that is charged on your bill. The lesser you use cash, the greater your savings.

2. Online Shopping
Online shopping can be efficient because you don’t need any money for the travel costs, either to use public transportation or to pay the gasoline for your car. Moreover, if the distance to the shopping center is far from your house, it will be more and more money can be saved.

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