Tag: Divide

Shopping

The Worst Tips for In Store Shopping

Gemma / November 11, 2022

In store shopping can be a pain, especially during the holiday season. long lines, crowds, and grumpy salespeople can all make the experience less than enjoyable. But there are a few things you can do to make the process a little less painful. Here are some of the worst tips for in store shopping:

Don’t go during the busiest times

This is probably the worst piece of advice you can follow. If you want to avoid crowds, the busiest times are the times you should avoid. But if you want to get the best deals, you need to be in the store when the sales are happening. The busiest times are usually the times when the best deals are happening.

Don’t buy anything until you’ve checked online

This is another piece of advice that will just make your shopping experience more difficult. Checking online for prices can be helpful, but it’s not always accurate. And even if you do find the same item for a lower price online, you’ll still have to pay for shipping. It’s just not worth the hassle.

Bring your own bags

This is a great tip if you’re trying to be eco-friendly. But if you’re trying to save time, it’s not the best idea. Most stores now have their own bags that you can use. And if you’re using your own bags, you’ll have to wait for the cashier to bag your items, which can take forever.

Shop alone

If you’re trying to get through the store quickly, shopping alone is not the way to do it. You’ll be much slower by yourself. And if you have kids, they’ll just slow you down even more. It’s best to shop with someone else so you can divide and conquer.

Don’t use coupons

This is just silly. Coupons can save you a lot of money. And if you’re using coupons, you’re not taking advantage of the store’s sales. You’re just paying less for the items you were going to buy anyway.

In store shopping doesn’t have to be a pain. Just follow these tips for shopping and you’ll be sure to have a better experience.

Financial

Good Saving Habits Start Early

Gemma / January 23, 2020

One of the most important lessons you can teach your children are how to manage money. Many children reach the age of 18, begin receiving credit card offers, and have had no real experience handling money. Teaching children from a young age how to properly manage their money and the importance of savings is a lesson that will stay with them throughout their adult lives.

Whether you choose to give your children a weekly allowance just for being part of the family, or you require your child to earn the money through their chores, a weekly allowance can be effective for children starting as early as the age of four or five. Work with your children a little each week to teach them how saving a percentage of their earnings each week will grow over time, and how to divide the rest so that there is some money to spend and some to give to charity.

If you divide your children’s money whenever they receive it – for birthdays, holidays or the $5 bill grandpa insists on giving junior every time he comes to visit – the children will learn quickly to be responsible with money.

As your children get older, you can start giving more information. Teaching a child that their money can grow through interest when saved in certain bank accounts will get them interested in the value of money. Allow your children to spend a portion of their money so they can learn the value of a dollar – that dollar might buy a candybar but not the video game they’ve got their eye on. You might want to encourage the child to set up a separate envelope or jar to save money for the more expensive toy or game they want, instead of simply buying it for them. Teaching a child to save for something they want is valuable and just might help them avoid buying on credit cards when they get older.

When your children reach their teen years, you might consider increasing their allowance and having them contribute to some of their necessary expenses, as well – things like car insurance, clothing, school supplies, etc. It will promote responsible financial habits that they will need when they go off to college or move out on their ow