Let me rephrase that - paying yourself first isn’t selfish, it’s smart. But we should back up. What does it mean to pay yourself first? You (hopefully) have a monthly budget that includes your bills and day-to-day expenses. Paying yourself first means that before you take anything else into account, you first set aside a pre-determined portion of your income into a savings account.
So let’s say you want to save 20% of your income, and your monthly take-home pay is $3,000*. You ... [More]
Sales and discounts seem to be everywhere as the holiday season approaches. But are these offers really all they’re cracked up to be? The truth is retailers use all kinds of sneaky tricks to get you to spend. Here’s what smart shoppers need to know to avoid being taken in.
Bait and Switch
A top brand laptop is advertised on sale at an amazingly low price. But when you get to the store, it’s sold out. Of course they have a more expensive model they’d be happy to sell you. ... [More]
Black Friday has been known as the official “kick-off” for the holiday shopping season. It is a good time to shop for gifts for people for the holidays, or to get a great deal on that big ticket item you’ve been wanting all year. Even though retailers have begun airing holiday deals earlier and earlier each year (this year they started in September!), consumers can still receive plenty of savings on items they want during Black Friday.
If you are someone who is planning to ven... [More]