Is this the year that you will finally get your finances in order? Getting out of debt, saving more money, or some other type of financial goals continuously appear as one of the top three goals each year. We are ready in the second month of 2012. Statistics tells us that 97% of people abandon their New Year resolutions by the end of January and 1/3 by the first week. Are you still on track for your goals this year? Are you still in the race? In case you have thown in the towel, check out this video:
Don’t give up now! Just because you may have fallen down, get back up and start running again! DETERMINATION, PERSISTANCE, AND ENDURANCE wins the race. As the old saying goes, “The race does not belong to the swift, but to the one who endures to the end.” This is your race. This is your year, but you have to press!
Samirian Hill, A.K.A. The MoneyWise Teacher, is the Founder and President of Budgetwise Financial Solutions, LLC, where they teach people to manage money wisely. She is a financial educator, blogger and contributing writer. In her spare time, she enjoys golfing, reading and cooking.
If you really want to save some real cash, shopping after Christmas is probably one of the best money management strategies for budget wise spending. After Christmas sales offers the best bargains, hands down. Black Friday sales are teasers; a few good deals to get you into the store. The sales after Christmas are real bargains because retailers now have to move the unsold merchandise to prepare for the spring season or upcoming model changes. While most of the mall traffic this week are either returning unwanted Christmas gifts or redeeming gift cards; the serious bargain hunters are loading up on goodies for next year. Here is a breakdown of some of spending strategies to employ: Continue reading After Christmas Sales – Spend Wisely
Over the years, I worked in retail as seasonal help during the Christmas season. One observation I noticed was the many frustrated shoppers. I rarely saw a cheerful shopper. Each year, Christmas gift giving season increases the anxiety level of thousands, if not millions of people. Adding to the frustration is that they have to make decisions on less and less available resources, as consumers clamp down on credit card spending.
I know society has tried to convince to spend a ton of money on gifts to show our love. I am all for nice gifts, as long as it does not hurt financially. Below are some gift-giving ideas that will not blow your budget. Continue reading Budget Friendly Gift Giving Ideas
Whew, has Black Friday Holiday shopping gone wild, or what? The intensity of Black Friday 2011 exposure is MAD! There is a fierce competition going on right now for your hard earned cash. According to the National Retail Federation, up to 152 million people plan to shop Black Friday weekend, which is more than the 138 million who planned to do so in 2010. The race is already in full throttle, BEFORE Thanksgiving. Many deals are offered now in stores. Clothing stores are offering 40% – 50% off. Michaels have up to 50% off on Christmas items. Continue reading Black Friday Apps, Deals, and Cyber Monday Steals
I read a blog post recently talking about Thanksgiving being a forgotten holiday. It made me really step back and take notice. At first, I shrugged it off and thought to myself, well Thanksgiving is really a non commercial holiday, so there is nothing for the media to focus on. It is a holiday for family, food, football, and fun traditions. Thanksgiving weekend is the busiest traveling season of the year with people trying to get to home to love ones. After observing the last couple of weeks since Halloween, I have to agree, Thanksgiving is getting the squeeze play. Continue reading Black Friday or Black Thursday?
