February 22nd, 2017
Self control. It can be one of the hardest rules to abide by when it comes to your purchasing behavior, but also the key to saving money and being better off financially. At a time when a newer version of a product is introduced on a constant basis, this can definitely be a difficult task to undertake. Marketers are working their magic to make you feel like you need the best of the best and the newest version of everything. But really, you don’t. You don’t have to have the newest version, the best version, or the most enhanced version of anything. Practicality is key, and we have created a list of the top items where the most expensive and best version is not always necessary.
Face it. That thin, electric box we all carry around has become the one item that many of us can’t live without. This of course is going to make it harder to resist a flashy new version of what you already have. In a lot of cases, the new version isn’t really all that new. Take the IPhone 7 for example. The difference from the 6 and 7 really came down to a slightly better camera. Being practical in the case of a smart phone is being happy with what you have and resisting the urge to do an expensive upgrade every time a newer version comes out. If your current phone serves its purpose, then the practical thing to do would not be getting a new one. Stay happy with what you have and try to make it to the 2-year mark before upgrading to a newer version.
There is one question that you need to ask yourself when purchasing a vehicle. What is going to be the purpose of this purchase? Do you run a handyman business and need to haul equipment to jobs? Is it to transport your kids to the many practices and school events they are involved in? Looking at a vehicle as a means of transportation is the practical way to buy one. Getting a brand new, expensive truck with all the bells and whistles yet never intending to actually use it to haul anything is probably not spending your money wisely. Of course, everyone has his or her personal preference when it comes to the size of a vehicle, but a vehicle is a major expense that can put you in a mound of debt. No matter which way you breakdown buying a vehicle, it is simply something to transport you from A to B. So save yourself a lot of money, and buy a vehicle, not a prized toy. It’s the practical thing to do.
Here is a little secret about most appliance brands. The exact same companies that manufacture the expensive brands usually manufacture the “off” brands as well. That means the warranties are usually just as good as well, so there really is nothing to fear with the cheaper options. You may not get the little extra add-ons that come with some of the more expensive fridges, stoves, and dishwashers, but remember the key word for this article – practical. Do you really need a fridge with an LCD screen that shows a slideshow of family pictures? The answer is no.
Unless you’ve been living under a rock, its pretty oblivious that streaming services like Netflix have been all the rage the last couple of years. So much so that a lot of people are ditching cable because of it. But if you really think about it, most of us don’t even watch the majority of the channels with cable or satellite. Instead of paying 100+ a month, switch over to a streaming service like Sling TV. The basic Sling TV package will allow you to stream roughly 20 channels, including ESPN, TBS and TNT, for a flat $20 a month. What’s even better is you get to choose the channels you want.
Let us preface this with saying that there are some brands you are going to be completely loyal to and can’t live without- JIF Peanut Butter for example. But for the majority of the groceries you buy, it’s a lot more practical and easier on your wallet to get the off brand products. Brands like Great Value from Wal-Mart, or Kroger Brand usually have all the same options, while tasting almost the same. And just like appliances, a lot of the “off” brands are actually manufactured by the exact same companies, so you’re not compromising on quality.
December 22nd, 2016
Let the panicking begin. Christmas is a few days away! If you are scrambling to find a gift for someone, then we recommend these easy to find and affordable items. All gifts on our list are $20 and under, while also available at popular retailers like Wal-Mart, Target and Home Depot. Chances are it’s too late to order anything online, so we made sure to verify that these items are available in stores and not just online. You might want to hurry though; you’ll be battling other “Procrastinating Pros” for in-stock items.
December 16th, 2016
November 29th, 2016
Ready or not Christmas is almost here. Though it is a time of giving and spending time with loved ones, it also can add some major stress in your life, especially if your bank account isn’t ready to be hit with Christmas expenses. To aid you in your gift purchases this year we have comprised a list of easy tips to help you save some money and not completely drain your bank account.
And if you still run short of cash we offer a Flex loan that gives you a flexible line of credit up to $4,000. Click here to apply – http://bit.ly/2gDqckk
If you have a large list of people to buy for and a small amount of disposable income, then you might want to keep it simple when it comes to gifts. The season of giving doesn’t have stipulations on how lavish a gift you give should be. When it comes to co-workers, distant relatives, or that neighbor you feel obligated to give just a little something to, simple and cheap items like a coffee cup with a mixture of candy in it will work fine. It’s the thought that counts anyway.
With the influx of online sales during the holidays, many online retailers will offer free shipping for the holidays on specific dates. Research what retailers are offering free shipping for holiday orders and try to shop at only these places to save some extra cash.
There are multiple retail stores like Ross and TJ Maxx that offer substantially discounted designer items that are leftover inventory. You can get everything from designer handbags and perfumes to name brand electric razors for a lot less than what they were originally sold for.
Getting organized on who you are going to be buying for is a must in order to even attempt to save money this Christmas. Once you create your list, categorize the gift level. For example, Karen from accounting will be getting a coffee mug with candy, so she’s a level 3, your brother that usually gets a $25 gift card to Apple Bee’s is a level 2, and your spouse who you know wants an $80 FitBit is a level 1. This helps when making your budget on how much to spend per level of gift.
Once you have a list of people you know you are going to be buying gifts for and the gift levels they are, come up with an actual number you can afford to spend. Try your hardest to stay within budget even if that means some of the level 1s gets bumped down to a level 2.
That pajama set from your aunt last year that you never even opened looks like it would fit your sister’s new boyfriend perfectly, just make sure your aunt isn’t around when you give it to him as a gift. Its bound to happen that you’re going to receive gifts that you really don’t need or want, so hold on to them for next year. As long as the gift giver doesn’t find out, what’s that harm. When it comes to your budget that’s one less person to actually buy for.
There will be tons of sale advertisements for percentages off and buy one get one, but make sure you are still getting the best deal. When it comes to online shopping it may take an extra minute to price check an item on another retail site. Even if it’s just a dollar cheaper, getting the best deal for all the gifts you purchase will add up when it comes to saving money.
November 17th, 2016
If you’re the ultimate shopaholic, then your day to shine is November 25; the day marked as BLACK FRIDAY. This is the day that crowds of people throw caution to the wind to get that coveted hot item toy or discounted TV. Making a game plan is crucial to your survival, and if you don’t know where the deals are then we’ve got you covered. Below you will find some of the leaked Black Friday deals from 5 major retailers to aid you in your battle strategy.
And don’t get caught in the dark this Black Friday. If you need some extra cash, we can help! With our Flex Loan you can get a flexible line of credit up to $4,000. Click here to apply and get approved today!
Black Friday Sale starts on November 24 and runs till November 28
Get an additional 20% off pre-order and new-release video games if you are an Amazon Prime member.
Up to 70% off coats and jackets.
$20 off the Kindle Paperwhite and other select Kindle e-readers
33% off the 55-inch curved LG smart OLED TV
Up to 40% off Magformers toys.
Black Friday Sale starts at 6:00pm on Thanksgiving day.
55-inch Samsung curved 4K UHD TV with a $70 Target gift card- $697.99 (Original price- $1,099.99)
50-inch Samsung Smart Ultra HDTV for $397.99 (Originally priced at $749.99).
500GB PlayStation 4 Slim for $249.99 (Original price- $299.99)
Nintendo 3DS for $99.99 (Original price- $199.99)
Ninja Professional Kitchen System for $129.99 (save $90)
Apple iPads as low as $199.79
Beats by Dre wireless headphones- $119.99
Fitness trackers as low as $49.99
Buy one, get one half off toy brands like Nerf, My Little Pony, Disney Princess, VTech, and Marvel,
GoPro Hero with a $20 Target gift card – $179.99 (Original Price $249.99)
40% off Lego and play sets
Black Friday Sale starts at 6:00pm on Thanksgiving Day.
Hatchimals toys – $48.88
Select DVDs/Blu-rays – $1.96 each
Sharper Image video drone – $30
for the DJI Phantom Standard 3 drone – $369 (save $130)
32GB iPad Mini 2 -$199 (save $70)
Samsung Chromebook 3 – $119
Fitbit Flex 2 – $69 ( Save $30).
500GB PlayStation 4 Slim including the game “Uncharted 4” and a $30 gift card – $249
Black Friday Sale starts at 5:00pm on Thanksgiving day.
Toshiba 49-inch LED 4K Ultra HDTV – $199.99 for the (save $250)
Sharp 55-inch 1080p LED Smart TV – $249.99 (save $250)
Beats by Dre Beats Solo 2 headphones – $149.99 (save $150)
50% off select Klipsch, Sony and Polk speakers.
JBL Xtreme portable Bluetooth speakers – $199.99 (save $100)
16GB Amazon Fire HD8 tablet – $59.99 (save $30).
Nikon D5300 DSLR camera with 18-55 mm and 70-300 mm lenses and 32GB memory card – $599.99(save $500)
Get a $35 gift card and 64GB memory card with the purchase of a GoPro Hero5
Select popular video game – $29.99
Xbox One S 1TB including the game “Battlefield” – $299 (save $50)
PlayStation 4 including the game “Uncharted” 4 – $249.99 (save $50).
Amazon Echo $139.99 (save $40)
Black Friday Sale starts at 6:00 pm on Thanksgiving day.
55-inch LG 4K ULED Smart TV and $150 in Kohl’s Cash – $499.99 (original price $749.99)
49-inch Haier Ultra HD 4K television and $75 Kohl’s Cash – $249.99(original price $349.99)
Canon EOS Rebel T6 DSLR camera with Wi-Fi, including bag, 18-55 mm lens, 75-300 mm lens and $135 Kohl’s Cash – $449.99 (original price $749.99)
500GB PlayStation 4 including the game “Uncharted 4” and $75 Kohl’s Cash – $249.99 (original price $299)
Xbox One S including the game “Minecraft” and $75 Kohl’s Cash – $249.99 (original price $299)
Fitbit Alta and $30 Kohl’s Cash- $99.99 (original price $129.99 to $149.99)
Fitbit Charge 2 and $30 Kohl’s Cash – $129.99 (original price $149.99)
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