05 Jan 11 How to Shop without Exceeding your Budget?
Are you a shopaholic, who just can’t stop drooling over stuffs and stop temptation to purchase beyond affordability and pre-set budget? You are not an exception. There are many people who just can’t stop shopping, are too impulsive about purchase decisions without considering budget and eventually end up into bankruptcy. Here are few simple tips about shopping to your heart’s content yet not exceeding budget.
Prioritize your shopping list
Don’t shop randomly, without considering what’s more important and required to be shopped. Always keep in mind, first shop all those items which are absolutely necessary and are considered as basic needs. These can be basic food, basic clothes. Once your needs have been met, buy the things that you want to have a better life like better fashionable clothes, shoes with elevated heels. Always satisfy your wants when your basic needs are met, as a fancy dress won’t make much difference to your life if you don’t have bread to eat. So prioritize your needs. Buy what is essential first, then if you have extra money fulfill your wants and luxury demands.
Don’t buy with cards randomly
Credit cards often push us into the wrong practice of buying without considering the shopping budget, affordability and thus land us into financial crunch. Use credit cards, but judiciously. Know how much you purchased with your card and keep a limit for yourself. Know how much you can buy in a month with card and stick to it, since you have to pay back too.
Look out for discount shops
Don’t be too brand conscious or obsessed with buying from a particular mall or shop. Rather keep your eyes open, keep an eye on who is offering good discount. Visit those stores, who knows you may not even believe that you can be so lucky and change your preference forever. It will not only save a lot of money and help you to finish entire shopping within your budget, but may also change your preference towards shops and shopping practice. Even big brands offer seasonal discounts. Always look out for such lucrative offers.
Tags: Affordability, Bankruptcy, Better Life, Credit Cards, Extra Money, Fancy Dress, Fashionable Clothes, Financial Crunch, Heart, Heels, Lucky, Preference, Purchase Decisions, Set Budget, Shoes, Shopaholic, Shopping List, Stuffs, Temptation
04 Apr 10 What Makes People Use their Credit Card
What is that one thing that pushes people to take their plastic out for swapping?
In a study conducted by compete.com of the credit card holders, it was found that 46% use credit card where there is any kind of reward points. And 31% of respondents said that they do use credit card if there is no annual fee involved. Another 12% respondents cited low interest rate as a feature that will push them to use their credit cards.
There is nothing new in these findings, as these results are always known to us, but having a research support the supposition means reliability of data. It would be interesting to see how credit card companies react to that (See image for complete result of the survey).
In my opinion, charging an annual fee for any card is insane. It is like asking people to pay to remain member of the community in the world where most of the good things are free. After all, who wants to pay fee for retaining a credit or debit card?
Tags: Credit Card Companies, Credit Card Holders, Credit Cards, Debit Card, Insane, Interest Rate, Reliability, Respondents, Reward Points, Supposition, What Makes People
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