Last year has been an awesome year for us. This year, we are hoping for it to turn out even better. I truly believe in the importance of starting the year right. Starting the year right to me has many definitions.
Starting the year right means…
1. starting the year with lesser debt and even better 0% debt. If you’ve accumulated debts in the past years, you have made sure, you have paid them off or at least minimized them!
People especially young ones are counting the days now till Christmas time. And in the consumer world we are in, many of us are thinking of splurging and spending a lot for this season to impress our loved ones with material gifts.
Yes, many people end up bragging and showing off during this holiday season in order to impress other people with that they have. Be sure you do not fall for this trap.
While I am not saying we shouldn’t give gifts to the ones we love, I do suggests that we take the time to reconsider our purchases. There are many cheaper options than buying expensive gifts.
Benefits of online Shopping
More and more people are using the internet these days to shop. And there are many good reasons for that. While we can’t say that shopping online is risk free, the advantages and benefits surely outweigh all of these possible risks.
Yes, shopping and making purchases can be a lot of fun and it can be quite therapeutic, too. It is probably the reason why a lot of people actually enjoy the activity while some others tend to go overboard whenever they go on shopping spree and binges. Imagine all those new and shiny items arranged to flawless perfection in racks at the malls and shops, they are such eye candies and such a sight to behold. It is as if each one is saying “Come and buy me!” and some people actually succumb and cannot seem to resist the temptation to buy.
Especially for busy moms who consider going to the grocery or the shopping mall without the entire gang a treat, it is very easy to get carried away and stuff every pretty or interesting thing you see in the racks onto your shopping basket. It will definitely be most enjoyable and relaxing to go on a shopping binge, but of course, you will have to pay for everything and if you go above and beyond your budget, you are going to have a very big problem.
These days, saving money is a challenge. When you go out, there are many temptations to spend money even on unimportant things. We think these things could buy us happiness only to find that such kind of happiness is only temporary. Then, we only want and crave for more.
1. Paying for high interest credit card debt - By January of this year 2014, the American Household Credit card has confirmed that there are already $856.9 billion consumer credit card debt in America. It has become a bad habit for most people to rely on credit card instead of using on-hand cash when making purchases. A great number of people also rely on credit card for emergency situations such as the loss of a job and being unemployed for a certain period of time unexpectedly, medical emergencies or perhaps for college education.
If you have been heading to our facebook fanpage, you’d notice we posted several back to school tips from blogs we found online. But of course, we also have our very own back to school tips for you guys, especially to all moms out there. Our goal is to help you prepare for back to school with ease and preparedness to avoid stress and make the experience more fun for you and your kids. Here are our very own tips for moms, students and anyone who is interested to learn how to make the back to school season a happy and less stressful one.
If you’re like most moms, you spend months planning your kid’s birthday parties, spend all your energy preparing for them and last but not the least, spend tons of money for that one day event. More often than you realized, you are spending way a bit more than necessary. If you’re an all or nothing type of person, you probably would just think it’s better to just let it all go and just not hold the party anymore.