Minimize Credit Card Spending During the Holidays
The holiday shopping season is a much-anticipated time of year for both the retail industry and consumers. For the retail industry, the largest percentage
of their sales are earned during the holidays by consumers who have failed to
plan and are easily lured to make impulse purchases for shiny new gadgets.
Consumers on the other hand make a dash for the mall, credit card in hand, in
search of a thrill from the fancy decorations and Christmas music, the sale
signs, and the crowds. At the end of the day, or shall I say in January after
things have calmed down, consumers are weeping because of their huge credit card
bills wondering where all the money went and retailers are laughing all the way
to the bank or the board room. While, its not such a bad thing for the retail
industry, how can we as consumers make sure that we are not weeping but
celebrating along with the industry? It is simple. We can develop a plan and a
budget, which includes shopping year round for gifts and doing some
comparison-shopping.
Christmas comes the same time every year. We have approximately 12 months to develop a plan and to execute it if we desire to save money and keep our credit
card balances low. Why wait until December 1 or Black Friday to begin our
Christmas shopping? For the adults and even some of the children on our list we
can shop for gifts year round. Why not begin in January or early February when
the winter clearance begins for many retailers? Or stock up on the latest toys
and gadgets at significant savings on the day after Christmas. To avoid the long
lines the day after the holiday, shop online where the deals have proven to be
just as good. Some merchants even offer free shipping. Be on the look out for
online coupon codes and free shipping offers.
s to see who has the best price and check
the weekly advertisements too. This way you know what you want and where to get
it before you leave home, which will reduce the number of impulse purchases you
make and reduce the temptation to pick up things along the way.
Don't become trapped in credit card debt year after year during the holiday season. Make a decision to develop a plan and follow it. Decide early on who you
want to purchase gifts for and select the ideal gift. Then develop a budget that
you can adhere to that will cover the expense of all these gifts. Finally, allow
yourself enough time to do some comparison-shopping. Watch for sales cycles and
weekly advertisements from those same merchants. Then make up your mind to be
done or at least 95% complete with your holiday shopping before December 1st. By
having a plan and make a concerted effort to stick with it, you can ensure that
you will be rejoicing at all the money you saved in January because you made the
decision to stop letting retailers control your credit card spending.
As a person who has spent a high percentage of his waking hours adorned in sporting colours and locked in fierce combat with an opposition or digging deep
to find that last bit of energy and strength on the field or on the track, I am
fully aware of the physical repercussions as I grow older, and hopefully wiser.
How do I now ensure this body keeps functioning like the well oiled machine that
it has always seemed to be? The answer may well be as simple as two health
supplements, which, when taken in combination are producing promising
results.
Any good mechanic will tell you that the key to a machine's output is best found in prevention rather than cures. Like machines, our bodies
require care and maintenance to ensure we last as long as possible! I think it
is a terrible thing to think that the ageing have to suffer joint pain and their
only `crime' has been years of physical activity and keeping fit. Amazingly, it
is often not our muscle or skeletal systems which give up the ghost, but
actually that which hinges those things together, our joints.
Throughout my years of sport I always wondered if one day it would all catch up with me and
that joint pain and arthritis might plague me. And then in recent years I
watched my father and father-in-law, both elite sportspeople in their day,
experiencing intense pain in their neck, knees, elbows and shoulders. This was
not a good omen for me and I watched their medical journey with intense
interest. Both were given two basic choices: invasive procedures such as joint
replacements or oral supplements which were said to work for many others. They
decided to try the supplements first and the results have been remarkably
positive. It turns out that the key to their pain relief is two highly
researched ingredients called glucosamine and chondroitin.
If you have ever suffered from arthritis or joint degeneration, you will know that it can be
a debilitating experience. Without going into the intricate medical terminolgy
and indepth physiological explanations that often confuse sufferers, it is often
the combination of a diminishing level of fluids and a breakdown of cartilage
that normally creates the easy sliding movement within joints which causes
decreased movement and corrosion. Wi. Wholesale Jerseys China Wholesale Jerseys From China Wholesale Jerseys Wholesale T-Shirts Wholesale NFL Hoodie Wholesale Jerseys China Free Shipping Cheap Hoodie Wholesale Soccer Jerseys Cheap Wholesale MLB Jerseys Cheap Cheap NHL Jerseys
