"It's hard for the modern generation to understand Thoreau, who lived beside a pond but didn't own water skis or a snorkel."Bill Vaughn
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Benefits of Secured Loans - Comes as Freebie for the Borrowers
It is often seen that as years pass, newer alternatives of older things crop up while the older things fall into oblivion. Secured loans however have withstood competition from a whole range of financial products such as unsecured loans. Unsecured loan ...
Credit card holders confused by interest free periods, warns moneynet
Confusion surrounding the small print on credit card agreements is leaving card holders in the dark when it comes to paying bills on time, according to new evidence from online financial data provider Moneynet Moneynet argues that wide variations ...
Personal finance - have consumers had a belly full of personal debt?
For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had ...
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How To Save Money On Your Holiday Gift Shopping
With the rising costs of gasoline and heating oil, as well as rising interest rate charges, saving money is at the top of everyone's wish list this holiday season. Here are some tips on getting the most out of your gift shopping dollars this holiday season.
1. Set a budget. This seems like a simple step, but many people fail to do this before starting their holiday shopping. Figure the total amount you can afford to spend on gifts and then divide that number by the total number of people on your list. This gives you the average amount that you should spend on each person. Try and stay within this limit for each person on your list.
2. Compare Prices. With the internet, it is easy to compare prices on most products. Some websites even offer customer comments which can give you valuable information on quality, ease of use, customer service, and overall ratings for many products. Some of the best websites for this are nextag.com, epinions.com, pricegrabber.com, and shopping.com.
3. Go to websites that give major discounts. These websites offer products at discounts of 50% or more. Selection and quantity may be limited but, if they have what you are looking for, you can save a lot of money. Some of the best websites for this are www.overstock.com and www.incrediblediscountgifts.com.
4. Shop at Thrift stores or Consignment Shops like the Salvation Army stores. You can find unique items at bargain prices, but be sure to check the quality of all merchandise. Remember, all items are sold "as is" and there are no returns.
5. Make your own gifts. Family members and friends will appreciate the time and thought that you put in to the gift, especially if it's personalized just for them. Some ideas are photo collages, scrapbooks, and framed photos or personalized gift baskets filled with the recipients favorite coffees, teas, candies, jams, and baked goods.
6. Watch for Sales, Coupons, and Discounts in your local paper and online. On the internet just type in "Coupon Code", "Sale", or "Discount" into search engines like Google or Yahoo.
7. If you must shop with Credit cards, use only credit cards with low interest rates. Shop around for the lowest rate cards and stay away from high interest department store cards.
About the author:
Robert Landis is a freelance writer based in York PA, specializing in Personal Finance topics. All articles are free and may be reprinted without permission.
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