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.

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31 Oct 10 Tips for an Affordable Vacation

Vacation is indeed an energizing tonic and we all need it. But in the time of global slowdown, we feel threatened and apprehensive towards going for vacation. We fear bankruptcy. But let me surprise you, even in this time of financial crunch you can go for your annual vacation, have fun. You need not pay handsome for a vacation, just know how to save money and enjoy your trip.

Just follow these advices and enjoy your vacation.

Book your tickets and accommodation in advance

Make sure, you get your travel tickets and hotel accommodation done, much in advance. A holiday package always becomes expensive in the last moment. Seeing the demand agencies may hike package deal amount. If you are going on your own, even then book your tickets and accommodation much in advance, as price goes up later and turn exorbitant during holiday time like Christmas, New Year. Reserve your days for vacation in advance and get your employer’s approval of the same.

Keep it for minimum days and places

Go for vacation, but just minimize it. This way you won’t be bankrupt and also holiday dream will come true. If you have planned five or six destinations to visit, cut it short, visit just one or two places as per your affordability and preference. If you have been planning for a weeklong trip, instead, settle for three or four days long plan.

Choose no-frills services

Don’t indulge into too much luxury and comfort. Instead settle for a no-frills budget accommodation. Try to get hold of someone’s house or guest house, where you can make your own meals and save eating out cost. Or go for a budget hotel, with no add-on services. Take food from small street-side eating joints or vendors if you wish to save tax-inclusive eating cost at hotel.

Travel by public conveyance

For sightseeing, visiting local market or eating out take local buses and trains instead of spending too much on car rentals.

Book online and compare

Book your accommodation and travel ticket online, it will save your money otherwise you would have paid to agents or dealers. E-booking will help you save 10% compared to booking in person or phone. Compare price of holiday packages, flights, hotels, car rentals on internet.

Make a realistic budget

Make your holiday planning with a pre-determined budget, which is realistic and logical. Move on with a fixed amount of money in your pocket and avoid using credit card.

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