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Tuesday, November 25, 2008
Sometimes it can be difficult to find the shoes you really want to wear at an affordable price. Cheap things usually mean it is low quality, but if you can save money on shoes that are hot and on sale, you can win both ways. Saving money while shopping for shoes isn't difficult at all, you just need to know where to look and how to find those enviable deals that are too good to be true.
Saving money while shoe shopping is easily done. You just have to keep your eyes open and be prepared to pounce on anyone that tries to take your sale item away from you! It sounds vicious but in the world of retail, it's a lot easier said than done. Check all stores that sell the shoes you want, and find the best deal. Shopping around is the absolute best way to save money while shopping for shoes.
Coupons of any kind are also a winner, especially for knocking off considerable amounts from the total of your shoes. Coupons can deduct tons from your total, and even small denomination coupons work well for saving some cash.
Online stores and competitor stores are great to check for different prices, and even different variations of the shoe that you have your eye on. Even if you buy it for a higher price at one location, you can take it back to that store, then go buy it at the cheaper place. It works in reverse too!
Beware of those deals that seem too good to be true. Promises of a percentage off if you spend this much are not worth it. Examine your options and see what really saves you the most money. Being informed and aware of how much you can save is always important when saving money on shoes.
Saving money while shoe shopping can be difficult if you are distracted. Minimize your distractions and avoid pushy sales people and those that want to talk you into buying what you don't want, like a warranty for your shoes. Unless you are buying shoes that cost thousands, you do not need a warranty or anything else like that.
Closing Comments
Money saving skills come in handy, even for shoe shopping! Put those bits of advice to work and save more when you buy those necessary must have heels. You don't have to sacrifice fashion for price, make it work for yourself!
Saving money while shoe shopping is easily done. You just have to keep your eyes open and be prepared to pounce on anyone that tries to take your sale item away from you! It sounds vicious but in the world of retail, it's a lot easier said than done. Check all stores that sell the shoes you want, and find the best deal. Shopping around is the absolute best way to save money while shopping for shoes.
Coupons of any kind are also a winner, especially for knocking off considerable amounts from the total of your shoes. Coupons can deduct tons from your total, and even small denomination coupons work well for saving some cash.
Online stores and competitor stores are great to check for different prices, and even different variations of the shoe that you have your eye on. Even if you buy it for a higher price at one location, you can take it back to that store, then go buy it at the cheaper place. It works in reverse too!
Beware of those deals that seem too good to be true. Promises of a percentage off if you spend this much are not worth it. Examine your options and see what really saves you the most money. Being informed and aware of how much you can save is always important when saving money on shoes.
Saving money while shoe shopping can be difficult if you are distracted. Minimize your distractions and avoid pushy sales people and those that want to talk you into buying what you don't want, like a warranty for your shoes. Unless you are buying shoes that cost thousands, you do not need a warranty or anything else like that.
Closing Comments
Money saving skills come in handy, even for shoe shopping! Put those bits of advice to work and save more when you buy those necessary must have heels. You don't have to sacrifice fashion for price, make it work for yourself!
posted by Credit Counseling at
11:58 PM
0 Comments
To improve your credit score can seem like an impossible task. The scoring model seems to factor in tons of information and makes it seem as if you have no control over your score.
This is wrong. You can focus on a couple easy steps and develop a good credit score.
1. Dispute and remove negative items on your credit report. This can be done yourself or you can hire a service to do it on your behalf.
2. Pay off any verified bad credit item on your report. In exchange for your payment have the lender remove the item from your credit report.
3. On time bill payment. It is rumored that missing a payment can damage your score up to 50 points.
4. Open a new line of credit. Your score will receive the most benefit if you have a revolving line of credit. We suggest an unsecured credit card.
This will also help you build a positive payment history by paying your monthly bill. However if you can not qualify for an unsecured credit card then open a secured card, but make sure it reports to all 3 bureaus.
Your score will get a bump if you can keep your balance at approximately 10% of your credit limit. This shows that you do use your credit and that you use it responsibly.
5. Pay down you large debts. This will help your ratio of available credit to debt. The bureaus want to see that you are not in over your head and the best way to show this to them is by having available credit.
These are the five factors you should focus your efforts on. There is however one last factor that is surrounded by controversy.
6. Piggyback credit, this is where you become an authorized user on a high credit limit credit card. The benefit is this account is now reported on your credit report and adding a tremendous boost.
This tactic was widely abused and the scoring model has made some changes. It is said to have removed the benefit however it is debated as to if those changes have taken place yet.
In sum if you can take care of steps one through five then you will improve your score. With a high credit score your quality of life will also improve.
This is wrong. You can focus on a couple easy steps and develop a good credit score.
1. Dispute and remove negative items on your credit report. This can be done yourself or you can hire a service to do it on your behalf.
2. Pay off any verified bad credit item on your report. In exchange for your payment have the lender remove the item from your credit report.
3. On time bill payment. It is rumored that missing a payment can damage your score up to 50 points.
4. Open a new line of credit. Your score will receive the most benefit if you have a revolving line of credit. We suggest an unsecured credit card.
This will also help you build a positive payment history by paying your monthly bill. However if you can not qualify for an unsecured credit card then open a secured card, but make sure it reports to all 3 bureaus.
Your score will get a bump if you can keep your balance at approximately 10% of your credit limit. This shows that you do use your credit and that you use it responsibly.
5. Pay down you large debts. This will help your ratio of available credit to debt. The bureaus want to see that you are not in over your head and the best way to show this to them is by having available credit.
These are the five factors you should focus your efforts on. There is however one last factor that is surrounded by controversy.
6. Piggyback credit, this is where you become an authorized user on a high credit limit credit card. The benefit is this account is now reported on your credit report and adding a tremendous boost.
This tactic was widely abused and the scoring model has made some changes. It is said to have removed the benefit however it is debated as to if those changes have taken place yet.
In sum if you can take care of steps one through five then you will improve your score. With a high credit score your quality of life will also improve.
About the Author:
For more tips on how to improve credit score or for more credit repair tips visit us.
posted by Credit Counseling at
3:22 PM
0 Comments
There's one thing I must clear up before I begin this article. Your budget is not a source of restriction. You can construct the life you've always dreamt of with it.
The term personal finance budgeting is not something that may your excitement level. Another term, personal finance planning, may also not be your cup of tea. I know for certain that I don't like those terms. Anything composed of more than 1 word has the capacity to overwhelm us.
Nevertheless, whether we do or don't like the term, it does not matter. The bottom line is that we are better off understanding its meaning and the role it can play in shaping the life that we want.
Why is this true?
The reason is that it provide us with the tools to help us build the life we've always dreamt of. Is there anyone who doesn't dream of debt-free lifestyle? The fact of the matter is that if you didn't, then you would be doing something else apart from reading this article.
So, you may be asking yourself now, how do you create such a debt-free lifestyle?
I will make this as least complicated as possible. Two simple words: Budget Budging. It's important that you never forget these 2 words because they will become a central part of your personal finance planning.
You may now be wondering, what is budget budging?
It simply means that you take control of your budget rather than being controlled by it. At the base of all this is being able to dictate your budget. Dictating your lifestyle is strongly dependent on dictating your budget. It's important that you firstly come up with a budget that fits your needs and follow it.
Keep a record of all the money that you spend, whether it be cash, check or credit card. Keep a record of all expenses.
By doing this, you know where your income is going. You also know what steps you must take to participate in personal finance budgeting and create yourself a good budget. Nonetheless, it is absolutely essential that your new budget still gives you a comfy lifestyle while it does the job of reducing your debt.
Eliminating waste should be the second thing you should do. You will soon discover, by evaluating all your expenses, that you are being wasteful with your money. It's important that you're ruthless during this process.
Sacrifices may have to be made during this process. One way to achieve this successfully is by asking yourself what is really essential. Honesty is the best policy here in order to know what you really need and what is really unnecessary.
The reason why people don't cut such waste is because they think short term. They think about the short term pain, not the long term gain.
As with many other things in life, personal finance budgeting will seem a bit complicated and difficult to manage at first, but after creating a great budget for yourself, you will soon realise that it was well worth doing.
Is there anything else that would be happier than having a life without debt?
The term personal finance budgeting is not something that may your excitement level. Another term, personal finance planning, may also not be your cup of tea. I know for certain that I don't like those terms. Anything composed of more than 1 word has the capacity to overwhelm us.
Nevertheless, whether we do or don't like the term, it does not matter. The bottom line is that we are better off understanding its meaning and the role it can play in shaping the life that we want.
Why is this true?
The reason is that it provide us with the tools to help us build the life we've always dreamt of. Is there anyone who doesn't dream of debt-free lifestyle? The fact of the matter is that if you didn't, then you would be doing something else apart from reading this article.
So, you may be asking yourself now, how do you create such a debt-free lifestyle?
I will make this as least complicated as possible. Two simple words: Budget Budging. It's important that you never forget these 2 words because they will become a central part of your personal finance planning.
You may now be wondering, what is budget budging?
It simply means that you take control of your budget rather than being controlled by it. At the base of all this is being able to dictate your budget. Dictating your lifestyle is strongly dependent on dictating your budget. It's important that you firstly come up with a budget that fits your needs and follow it.
Keep a record of all the money that you spend, whether it be cash, check or credit card. Keep a record of all expenses.
By doing this, you know where your income is going. You also know what steps you must take to participate in personal finance budgeting and create yourself a good budget. Nonetheless, it is absolutely essential that your new budget still gives you a comfy lifestyle while it does the job of reducing your debt.
Eliminating waste should be the second thing you should do. You will soon discover, by evaluating all your expenses, that you are being wasteful with your money. It's important that you're ruthless during this process.
Sacrifices may have to be made during this process. One way to achieve this successfully is by asking yourself what is really essential. Honesty is the best policy here in order to know what you really need and what is really unnecessary.
The reason why people don't cut such waste is because they think short term. They think about the short term pain, not the long term gain.
As with many other things in life, personal finance budgeting will seem a bit complicated and difficult to manage at first, but after creating a great budget for yourself, you will soon realise that it was well worth doing.
Is there anything else that would be happier than having a life without debt?
About the Author:
Jenni Snook is the leading writer of http://www.HealthyWealthySoul.com, a website dedicated to providing people advice and tools on personal finance budgeting to achieve both financial and spiritual happiness in their lives.
posted by Credit Counseling at
2:47 PM
0 Comments
