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Christmas Shopping Tips – How to Not Break the Bank With Gift Purchases

Christmas Shopping Tips – How to Not Break the Bank With Gift Purchases

As of right now America is in the worst economy in years. Unfortunately everyone is being affected by it. More and more people are being laid off or fired, and the rest of America can’t find a job at all. Even though things are really bad at the moment, we still have to shop and buy things for our family. Americans are working on a 5 cent budget, but we need to buy $3.00 worth of stuff.

So what do we do when we have limited budget screaming kids more responsibilities and no way around it? We have to do what we’ve always done… Make a Way. We as Americans are very resourceful and we tend to make a way out of no way. And that’s what I’m going to do today. With in a few months Christmas will be here. And no matter how hard things may be at the moment, we never want to let down our loved ones. But can you really afford that $200 cell phone? or those $150 pair of sneakers? No most of us can’t, even when the economy was good a lot of us still couldn’t afford those high-priced things. So I have created a list of different affordable sites you can go to, in order to get the same items for cheaper or even free.

Free Coupons – There are sites out there that mail free coupons and items to your home. Items like Food, bathroom items, lotions for your body, bath tissue, discounts for restaurants like Chuck E. Cheese’s, discounts off of health care and Clorox etc. There are so many different coupons to save on so many items that we use every single day, this should help a struggling family out a lot.

Shop Early or Late – Another great thing to do is to start shopping early before a holiday. For example say if you want to have a nice Christmas this year, start shopping now. Buy your Christmas trees and decorations now, because the longer you wait the more desperate you are to buy those items. And that’s what stores are counting on. they want you to wait till the last-minute so they can raise the price even higher for late shoppers. And if you really want to save some money, you can shop late. Now this isn’t ideal if you want to have a nice Christmas this year, but next year will be great for you. What you can do is wait till after Christmas to by all of your holiday supplies. Stores need to make space for new items so all that Christmas stuff will be at lease 50% to 70% off. All you have to do is save those brand new items for next year.

QVC – I love shopping with them not because of their “great deals” but for their Flex Pay option. Personally I don’t have money to get a 48′ HD TV that cost $900.00. However I was able to pay like $300.00 get it in my house and finish off the rest of the payments the next two months. That worked great for me, but what works for me may not work for you. Often QVC have up for 5 or 6 flex pays so that makes the monthly payments even lower. This means you can pay for the item up to 6 months from now. Think of it like a Lay-Away plan, only you get to have the items in your house and it doesn’t have to wait in a store till your fully paid up.

Free Sites – Now this is a great concept if you can accomplish it. A free site is a website that gives out free items for their advertisers that pays them to do so. For example, advertisers pay the website to have people sign up for their products. Now the incentive for people to do this is FREE STUFF. These websites gives out free Desktop Computers, pay pal money, cell phones and games the list goes on and on. And the only thing you have to do is tell people about this site and refer them. So in order to get $55.00 you have to refer 1 person, that’s all. If you have friends that can help you accomplish this before you know it, you will have those high price electronics in no time. But the best part is that you get it for free.

Lake Side Collection – Not as popular as QVC but that’s a good thing. Because they sell a lot of inexpensive home items that most family’s can use for their own home or to simply give away as a gift. They sell bath products, funny little …

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Fashion A Little Dated? Bring It To Life By Using These Tips

Fashion A Little Dated? Bring It To Life By Using These Tips

Educate yourself about the type of fashion you are comfortable with. You can get some ideas from a lot of different resources, and with the knowledge you can get comfortable with your style as a whole. Discover how fashion plays into your own life and what it can mean to you.

Dress in a way that accurately reflects your age. If you are a young professional woman, do not go to work dressed like someone in their teens. On the other hand, if you are a teenager, do not dress in a style that an older woman would feel comfortable in.

Fashion Clothes

Take care of your high fashion clothing to make them last and stay bright. Always hang up your clothing to ensure you don’t have to iron it frequently. Skip the dryer and hang your clothes on hangers to dry and keep your fashion look going longer.

Fashion Style

Do not count on Hollywood to guide you in the right direction when it comes to fashion style. Due to competitive fashion, there are many mistakes made in an attempt to attract attention. So it to look to those around you for fashion tips so you do not stand too far out from the crowd.

Fashion Trends

In order to make sure that you can fit into the latest fashion trends you are going to want to make sure that you are as slim as possible. Diet and exercise so you don’t feel embarrassed because you can’t fit into some of the latest trends that this season’s fashion has to offer you.

Latest Fashion

Look inside fashion magazines to get an idea of what you should be wearing for this season. You don’t have to get clothes that directly match what the latest fashion is. However, you can form a style that is very similar so people may know you are up to date with the latest fashion.

Latest Fashion Trends

In order to make sure that you can fit into the latest fashion trends you are going to want to make sure that you are as slim as possible. Diet and exercise so you don’t feel embarrassed because you can’t fit into some of the latest trends that this season’s fashion has to offer you.

Latest Trends

In order to make sure that you can fit into the latest fashion trends you are going to want to make sure that you are as slim as possible. Diet and exercise so you don’t feel embarrassed because you can’t fit into some of the latest trends that this season’s fashion has to offer you.

New Fashion

While some fashions go in and out of style, and new fashion trends are set all of the time, the seasons have certain rules regarding fashion that tend to stick around. For instance, during the spring, wear brighter colors and stand out. During the fall and winter months, go for more earthly tones and reserved patterns.

As you have seen, fashion is really about feeling comfortable and confident with how you look. Continue researching for different trends and ideas regarding personal fashion that can help you. When you’re ready to make a big change in your fashion, refer to the tips you have read above to make it happen.…

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Shopping Tips to Save You Money – 4 Ways To Cut Costs Without Cutting Comfort

Shopping Tips to Save You Money – 4 Ways To Cut Costs Without Cutting Comfort

Saving money is something that appeals to just about everyone from all walks of life. Being able to drastically cut costs in your discretionary spending is one of the ways to help you relieve any financial tensions that you may be feeling in your life. That is definitely going to be a good thing, however, some people will find that they have a hard time cutting expenses without sacrificing on their comfort that they want to feel. And that is one of the main reasons why you might find that it’s easier to say that you want to save money than it is to actually go ahead and do it.

However, it can be done and here are 4 ways that you can cut costs without cutting your own personal level of comfort in the process:

1) Shop sales as often as you can.

There is no point in paying $ 50 for an item when a week later it is going to be on sale for $ 30. Yet, people do this all of the time. They don’t want to shop sales, they want to get what they want to get right away. In doing that, they just make things harder on themselves than it has to be. If you are going to be serious about saving money, then you have to be willing to shop sales whenever you can.

2) Write down a list of what you are going to buy and stick to that list no matter what.

When you are going out to shop, you should always have a list of things in mind that you are going to get and stay away from making impulse buys if you are trying to save money. Lots of people lose their budgeting sense when they are in a store and they allow themselves to look at things and buy things that they don’t really need and are not really what they set out to get. This is an easy way to start saving some cash without sacrificing on the things that you really need to get.

3) Do comparisons before you pull out your credit card or your debit card.

Sometimes all it takes is a little bit of looking before you buy something for you to see that one store has the same item as another at a much lower price. And, if you are able to get what you are looking to buy online, then you don’t even have to worry about spending extra travel time or extra gas money. The more often you compare things before you pull out your credit or debit card to make a purchase, the more likely it is that you are going to get the best bang for your buck.

4) Bulk shop when you can and when it makes sense.

Of course, it does not always make sense to buy things in bulk. Someone living by themselves in a small apartment probably does not need to get 96 rolls of paper towels all at once. Still, there are times when it certainly makes sense to buy things in bulk and when you do that, you are almost always going to end up saving money in the long run.…

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Black Friday Shopping Tips for the Novice Shopper

Black Friday Shopping Tips for the Novice Shopper

Does the idea of shopping on Black Friday send shivers down your spine? Does the thought of standing in line at 4am for a door buster make you ill? Or does it start your engines racing, with the thrill of victory.

If you are willing to tolerate the crowds, and willing to run for must have door busters, then here are some tips for you.

Make a plan before you get to the store. Study the sale ads closely, comparing prices for like items at different stores! Pay close attention to the items that look too good to be true, sometimes they have a small note that says “a minimum of 5 items per store”. Decide ahead of time if it is worth standing in line for it. The best thing is to bring a friend or two. You may need help finding your items, carrying them, and standing in line to buy them. If there are two stores that you want to shop at, opening at the same time, split up your party, or decide which deal is best, and forfeit the others. If your plan is to hit store after store for door busters, look for a mall or strip mall that contains all those stores in one spot, or the most in one spot. This will save you drive time. Also, if you are going to multiple stores, make sure you pay attention to the time while you are shopping. You could even assign someone as the time keeper. A good idea is to plant a member of your team at the checkout ahead of time so you don’t have to stand in the long lines. In your plan, assign members of your team a specific item to get, and a backup item. Split up when you get to the store. Use cell phones, or even the old-fashioned walkie talkies to talk to each other. If possible, head to the store the day before to familiarize yourself with the different departments where your sale items may be located. Sometimes staff will give you the details of where items will be located on Black Friday. Don’t forget, many stores put door buster items in the aisles. Always check the aisles on your way to the department the item is usually housed in.

Wear comfortable shoes and clothes. Just in case you do have to run, carry something heavy or stand in long lines, it is best to be comfy. Leave your coat in the car so you don’t have to carry it. The stores will be warm. Obviously if you are going to stand in line outside for hours before the store opens, leaving your coat in the car may not be possible.

Your purse: It should be fairly small, and preferably one that slings over your body. If worse comes to worse, dig your fanny pack out of the back of your closet. You cannot afford to use your hands to carry a purse, you’ll likely need those hands to carry the merchandise. Better yet, carry only the necessary credit cards and id that you will need in your pockets.

Bring one or two large bags with shoulder straps. You may not find carts in a crowded store, but that may be to your benefit as you can get around faster without one. Obviously if you are buying a large, bulky item, you may have to get a cart.

If you have room in your purse or pocket, bring the sale paper with you, or just cut outs of the items you are looking for. This will give you the sale price, the exact item on sale and a picture to show sales associates if you can’t find the item. It will also come in handy at the checkout just in case it rings up at the wrong price. I usually keep these ads for a while after Black Friday, just in case I don’t get the item on that day. I use the ads to compare sale prices at a later date. There have been some times when the item was cheaper after Black Friday, but not very often.

Grab as much as you can. When shopping, grab what great priced items you can, and pare it down later either in the store out of the way of the crowds, or at home. Before you pare it down, think of all the possible gifts you need. Grab bags, work parties, mailman, hairdresser, secret Santa, neighbor, etc. Check the stores return policy to make sure you can return it if you buy too many. Most important – don’t forget the gift receipt!

Trunk space. If possible, drive a big car with a big trunk! Make sure you trunk is …

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Ten Tips for Making the Most of Your Money

Ten Tips for Making the Most of Your Money

1 – Get Free Stuff

You would be surprised what you can get for free. Just do a bit of research on the Internet. With a little effort you can get free food, free entertainment, free holidays and even free cash if you try hard enough.

2 – Think Hard Before you Purchase

When you are stood there about to buy that new pair of jeans or whatever it is have a good ten second think to yourself. Do you really need them? What would you have to sacrifice to make up for the money you are about to spend. Is it worth it? If the answer is no to either of these questions then put them back on the shelf and walk away.

3 – Always Negotiate

This is especially significant on big-ticket items. If you are spending a lot of cash on something then don’t be afraid to ask for a discount or even a freebie. For example, if you are buying a new washing machine ask for some free washing powder and free delivery. If the person selling it to you is on commission you might be surprised what they will agree to in order to get the sale.

4 – Go for Value not Cheapness

This means doing a little research into what you are getting for your money. This is especially true for intangible products such as car insurance. If you pay a little more, do you get better benefits that you are likely to use? Of course the opposite is true too so you do need to be careful. Don’t end up paying for benefits that you will never use.

5 – Prioritise the Things you Love

I’m not talking about friends and family here, I’m talking about things you eat and drink etc. For example if you really love a particular brand of ketchup then always buy that brand. It may be more expensive but you will feel happier saving on the things you don’t care about rather than the things you do which means you will be much more likely to stick to a plan of spending less on the shopping.

6 – Go For Quality

Don’t fall into the false economy trap of buying cheap things, especially things like clothing. It may mean that you spend more on better quality t-shirts for the kids but they will last longer and you will need to replace them less frequently.

7 – Clear out Your Junk

Every three months set aside some time to clear out your junk and then arrange to sell it at a car boot sale or on eBay. If you can’t sell it then give it to a charity shop. The process of clearing out stuff you don’t need or use any more makes you think much more clearly about the things you waste money on. This will help to prevent you wasting it on the same things in the future.

8 – Get Multiple Quotes

If you are having some work done around the house or on the car etc, always get at least three quotes for the work. You might be surprised at the difference in cost between suppliers. Having said that, don’t always settle on the cheapest. Ask around for opinions about their work before you decide. It may actually end up better value to pay more as better quality work will lead to less repairs in the future.

9 – Recycle

I’m not necessarily talking about environmental issues here, although they are of course important. I’m talking here about spending less money on things that you might be able to fashion out of other stuff. For example, turn clothes into other clothes by making alterations, or if they are at the end of their life turn them into rags for cleaning. Reuse envelopes and other unimportant paper things as craft material for the kids.

10 – Consider Older Models

If you are shopping for a new kitchen appliance or similar, consider last year’s models. They will be almost as good feature wise but you are much more likely to be successful when you ask the salesperson for a discount as they are likely to be simply taking up valuable space in the shop.…

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Is It True That Liposuction Can Improve Your Health?

Is It True That Liposuction Can Improve Your Health?

Most Americans these days know that being overweight isn’t good for you. Carrying too much fat on your body is hard on your joints, bad for your heart, and makes it difficult to exercise. Being overweight can also lead to a host of other problems such as diabetes, or exacerbate existing ones such as sexual dysfunction.

Because of all of these negative effects of excess weight, the medical community routinely stresses things such as eating a balanced diet and getting enough physical activity. These lifestyle changes can help many people shed some pounds and get back into a healthy weight for their height.

The downside, though, is that such changes are hard to make. They frequently require sacrifices such as skipping dessert, second helpings, or avoiding certain foods altogether, and can require us to go out of comfort zone to learn to play a sport or wake up early to go running. In addition, the hectic pace of modern life can make it difficult to carve out the time to hit the gym or have something other than take-out for dinner. Finally, the results from such lifestyle changes are gradual, taking months or even years of hard work before the person reaches his or her target weight.

All of these problems with traditional methods of weight loss lead many people to turn to alternative solutions such as liposuction. Liposuction is a cosmetic procedure specifically designed to instantly remove fat from the body without recourse to dieting or additional exercise. During the procedure, the surgeon uses special hollow tubes called cannulas to break up and vacuum out unwanted fat deposits from the patient’s body. The procedure only takes an hour or two, is usually an outpatient procedure, and doesn’t require a very long or intensive recovery period.

All of these advantages combine to make liposuction appealing to a large number of people, but unfortunately, there is a catch. Liposuction is billed as a cosmetic procedure for a reason: it cannot typically take more than ten pounds of fat at a time, and usually only from one or two specific areas of the body. This means that if a person is fifty pounds overweight, they’ll still be a long way from their goal, even after liposuction. In addition, whichever body part they had to procedure performed on may look unnaturally slim in comparison.

Additionally, liposuction only removes fat; it cannot convey all of the benefits of a healthy lifestyle. Liposuction may make you thinner, but it will not build muscle and give you good cardiovascular exercise, nor can it make up for the vitamin deficiencies of an unhealthy diet. In short, liposuction works best the way it was designed-as a cosmetic, rather than a medical, procedure.…

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Everything You Need To Know About Shoe Shopping

Everything You Need To Know About Shoe Shopping

You go searching for shoes and can’t believe how many different kinds there are to choose from. You can spend all day in the store just staring at endless rows of shoes. So where do you begin? What is your style? These questions and more will be answered in the following article, so keep on reading!

Avoid buying shoes before you put both on and walk about the shop for a bit. You might not notice that a shoe is uncomfortable or slips if you buy it without trying to walk with it. This will ensure you purchase a shoe that fits perfectly.

Whenever you go shoe shopping, wear or bring the same type of socks that you will be wearing with the shoes you intend to buy. If you don’t try the sizes on while wearing these socks, you really can’t get a good idea about the actual fit. Avoid trying shoes on barefoot or with nylons too, unless they are heels or sandals.

If you are shopping for shoes with your children, have their feet measured. Children’s feet can grow very quickly and should be measured at least once every three months. Keep in mind that your children will probably quickly outgrow the shoes you buy them when deciding on a budget for your children’s shoes.

Avoid buying children’s shoes that are too large in the hopes that your child will be able to wear them longer. Shoes that are too big have a tendency to rub against the foot and cause blisters. You can purchase shoes a half size larger for comfort and growing room.

Do not fall for the myth about breaking in your shoes. You may be told by a salesperson that your pair of new shoes just needs to be broken in. Shoes do not always stretch out with wear. The perfect shoes are the ones that fit right the first time. Even if you love a shoe’s style, leave it on the shelf if it doesn’t feel good.

When shopping online look for retailers who offer a secure website. You can find out if the website is secure by looking at your browser’s address bar. If the address begins with https, you can know that the website is secure. Additionally, make sure that you have a firewall and antivirus software installed on your computer.

Understand when it’s best to replace your running shoes. Running shoes need to be replaced around every 400 miles. Even if you think they still feel great, you’ve got to swap them out for a new pair. You’re definitely not getting the support that you need anymore when the mileage on your shoes has reached those levels.

Buying shoes is rather difficult adventure nowadays due to so many choices on the market. If you’re like many people, it can take all day just trying shoes on to see what looks good and fits you well. Don’t let it consume you, take these tips in the article you just read to help whenever you need a new pair of shoes.…