You need to know that major changes, designed to help your money stay safe from thieves, are coming to your wallet soon. If you live in the United States, or operate a business there, the deadline for change is October 1, 2015. Chip and PIN cards will be implemented to replace the usual magnetic strip cards currently used.
If you’re like many women, shoes are one of your favourite accessories. They almost always fit, they go with every outfit, and you can use them to express your style. But sometimes you can be left wishing your shoes were a bit friendlier to your wallet. Fortunately, there are ways to find great deals on shoes, so you can stock up on your favourite trends and styles on a dime.
One of the most commonly known ways of saving money on your shoe shopping is to purchase shoes off-season. Wait until the very end of the season, or purchase well into the next season. That way, you’ll always be stocked up on your favourite styles and trends, but you’ll have purchased them at drastically lower prices. For instance, if you see a fall fashion you absolutely love, wait until you’re into winter before you purchase them. Then, the shoes will be drastically discounted, but still fashionable.
Purchasing shoes in classic styles can ensure your shoes will go with everything. By owning a few classic shoe styles, you will need fewer pairs of shoes, and can save money. Another reason that buying classic styles can result in lower prices is that the stores know those items are always in season. Instead of having to drive up prices to sell shoes that are the “fashion of the week”, so to speak, they can keep a relatively low price year-round, knowing that the shoes will sell. A classic knee-high, low-heel boot is always in style, as is the classic pump in neutral tones.
Colour Me Trendy
Feel free to buy colourful shoes if that’s your style. Brighter colours tend to have some of the best deals, as unusual colours need to be moved through the selling process and out of stores much faster than neutrals, which can be sold any time of year. Having classic cuts in brilliant colours you wear often can help you stand out and stay fashionable on a budget. Having classic colours like red, blue, pink, and green are always good, but feel free to get as unique as you want.
Sign Up for Newsletters
Most designers, stores, and brands have newsletters you can sign up for. These emails come straight to you when new products release, and often give you the first go at sales and deals. By getting in on sales early, you can usually find your size and preferred style, and save money doing so. Newsletters usually send out coupons, coupon codes, and secret sales to their followers and subscribers, giving you access to some great deals that others don’t necessarily have the opportunity to capitalise on.
Rewards and Bonuses
If there are brands, designers, or stores you shop often, you might be able to sign up for a rewards or bonus programme. Sometimes you are rewarded for shopping a store often, other times you are offered rewards or discounts on multiple-item purchases, and sometimes you are offered other types of deals for being a frequent shopper. Finding cheap shoes doesn’t mean you have to forgo your favourite stores and designers, it just means you have to seek out the right rewards programmes and discounts in order to find amazing prices.Read More
Once in a while, someone might come to you with a problem that they just don’t know how to resolve on their own, or they are feeling so weighed down with stress and worry. As a friend or family member, it can feel like quite a lot of pressure saying the right things or knowing what to do. This is especially true when the problem is a financial one, and the word ‘debt’ is used.
There is no need to panic though, as you might help the situation just by taking the time to listen to what they have to say. Of course, it is helpful if you have a couple of other tips or suggestions for them too. Most of these come back to seeking ‘proper’ advice, but more about that later. So if you ever find yourself in a similar situation, here is what you could do:
If the debt problem is minor, and they are simply concerned about forgetting to make all of their payments on time and so on, it might make sense to bring up the topic of debt consolidation. This is something that people with multiple credit agreements can find helpful as it allows them to pay just one creditor instead of keeping on top of all of them. On their website, Zopa question whether people are paying more than 16 percent interest to credit card companies. This is because a low rate loan from Zopa could allow them to pay less interest through debt consolidation. Debt consolidation loans do require that applicants have a good credit history, so it may not be for everyone. It is especially important to be able to demonstrate a good track record for keeping up with monthly bills. If repayments are a difficulty, you can suggest speaking to creditors directly to arrange a payment schedule to help clear the debts.
Refer them to a place that can help
When debt problems are more severe, it might be the case that you are out of your depth and have no further suggestions on specific things they can do. It is important to not feel as though you are letting them down as you know that you would help if you could. What you can advise them to do is to speak with someone or do some research online that could give them the knowledge they need to tackle the problem. In the United Kingdom, the Citizen’s Advice Bureau and the Money Advice Service are common places to seek help from, and there is also information online at gov.uk. Whilst you can only suggest that someone gets advice from elsewhere, you should not feel responsible if they do not.
Continue to ‘be there’
Once someone tells you something in confidence, there is a good chance that they will want to speak to you about it again in the future. Even if you feel that you are not a whole lot of help on the subject, you could be playing your own part just by being there for them. Whether it is just to reassure them, or being a shoulder to cry on, sometimes there is not much more that you can do. Yet for some people, this is much better than them being left on their own carrying a massive burden.Read More
A 0% credit card essentially means that you are not charged any interest on your purchases for a defined period of time. How long that time period is depends on the credit card company and the deal on offer. Whether getting a 0% credit card is worthwhile or not depends on your unique situation, what you want it for and how well organised you are when it comes to handling money and debt. Done correctly, 0% credit cards can actually save you money. However, if they are used incorrectly, you can land yourself in debt for a number of years.Read More