Shopping on a Budget: Top Tips

 Top-Tips-when-shopping-on-a-budget-now-and-for-the-futureIt’s easy to overspend when you take a trip to the supermarket or have a day of retail therapy. As lovely as it is to treat yourself occasionally, noticing the sharp depletion of funds in your bank account is enough to turn your stomach. Managing your money effectively can be difficult at times, which is why sitting down and working out a monthly budget is always a good idea. Here are some ideas on how to shop on a budget and stick to it.

Discounts

Finally, one other way to save your pennies when shopping is by taking advantage of sales and discounts. If you are looking to indulge, then for the sake of your budget, at least find a good deal. There are numerous sites like Lowes promo codes that offer a range of coupons you can use for multiple brands. You can also find the latest coupons and promo codes at Couponkirin.com of the fastest-growing coupon platforms.

Set a Limit

Once you have calculated the cost of your bills, subscriptions, rent, etc. out of your wage, look at what you have left. Where possible, try to put at least 10% of that amount into savings. After this, the remaining amount will be the expendable cash you have left. Think carefully about how long this will have to last until your next payday, and then set yourself a weekly spending limit. You can divide this limit into how much you’ll spend on food, transport, and social engagements.

Plan

When you have set your spending limit, it’s essential to decide before you go to the shop. For example, if you’re going to do a grocery shop, consider making a meal plan for the week. This way, you will only buy the necessary ingredients to make those meals, instead of picking up random items off the shelves. Also, if you’re trying to lose weight or eat healthier meals, this type of planning can help you achieve that.

Be Disciplined

If you want to stick to a budget, a bit of self-discipline will have to come into play. If you have a habit of indulging yourself every time you go to meet friends or head to the shopping center, this will have to stop. It’s easy to go over budget when shopping, therefore only buying what you need or limiting yourself to one treat instead of five is essential.

Go Alone

If you have a friend who is always telling you to ‘treat yourself’ when you shop together, don’t invite them with you on your next shopping trip. Although you should be practicing self-discipline, it’s easy to be swayed by someone encouraging you to buy those shoes you love, but don’t need. Shopping alone keeps you focused on what you’re there to buy, and your spending limits.

It is worth coming up with a monthly or weekly spending budget to help you save for the future. There’s nothing wrong with treating yourself to something nice, but it shouldn’t leave you broke at the end of each month. Use these tips to help you spend wisely.
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Just for Teens: A Short Guide to Shopping

7-Tips-Just-For-Teens-Before-Shopping-and-Spending-MoneyAs a teenager, you’re just heading out into the world. Shopping may be something you’ve never really experienced before. If this is you, here are some useful tips on how to shop.

Bring Someone Along

A good friend or family member can help you stay safe in shopping malls, parking lots and other areas. After all, you can’t trust everyone you meet. Besides this, they may be able to give you smart advice on what to buy.

Spend Money Wisely

Try setting a budget so you can figure out how much money you can comfortably spend. Leaving the credit cards at home is a wise idea if you don’t want to spend more money than you have. Only bring cash so this is all you can use.

Create a List

Before you leave the house, make a list of the items you want to buy. This way, you won’t have to think about it when you’re shopping. For example, consider what’s right for you by wondering, “What kind of gifts would a teenage girl like?” You might want to do some internet research, so you’re sure what to purchase.

Visit a Store

You can visit your favorite stores or head to one you’ve never been to before. No matter what, make sure each place you visit is in a safe part of town. For your safety, have fun in an age-appropriate way.

Start Looking Around

Once you find a store you like, walk inside and begin looking at the stuff. You might need new shoes for gym practice, a winter coat or nail polish among other things. Then, you can walk to the product you might need or want.

Examine Products

Once you’ve found an item you might want, examine the details and ask yourself questions. For example, does this jacket fit my personality? If the gift goes against any values or beliefs you have, ask yourself if it’s worth buying.

Try Stuff On

If there’s a dressing room, you can pick clothes off the rack and try them on in here. Moreover, before you buy something, make sure it fits well, is age-appropriate and looks appealing. Further, feel the fabric to see if it’s itchy, and might be too rough for your skin. For shoes, try walking around in them for a while so you know whether they’ll be comfortable enough for your purposes.

Consider Asking for Help

If you feel comfortable asking a salesperson for help, then go ahead. If you don’t feel comfortable talking to strangers, you may want to judge for yourself. You can also wait until you arrive back home to research the internet for your answer.

Purchase Items You Want

It’s usually best to only buy an item if you’re entirely sure you want it. Consequently, you can splurge on something, but then you might end up wasting your own time returning it. Therefore, make wise spending decisions and make your life a lot easier.
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This is Why Platinum is a Popular Choice for Engagement Rings!

This-is-Why-Platinum-is-a-Popular-Choice-for-Engagement-RingsNowadays, choosing a metal for the engagement band is considered just as crucial as finding the right gem! While that’s said and done, platinum has been growing in popularity as the ideal choice for engagement bands. Platinum is not just scarce but also comes with a large variety of benefits! It is a malleable, dense, and non-corrosive metal known for its ability to withstand large quantities of Hydrogen. Its durability is one of the biggest reasons behind its popularity and falls right behind its lustrous quality. Here’s taking a look at some of the reasons that make this metal so very magnificent:

The metal is extremely rare: Many people don’t know this fact, but platinum is 30 times rarer than gold and is found in very few places around the globe. Its extreme rarity makes it a desirable choice for wedding bands. Since it’s so rare, it’s also expensive. However, its long term benefits are so many that you might want to overlook the price, mainly because you’re looking at a once-in-a-lifetime purchase.

It is naturally white: The natural color of platinum is white, and it doesn’t change its color over time. When added to any gem, the metal gives it a white shine, something that is not as prominent in other metals. When placed with a diamond, it will not cast any color and ensure that the diamond sparkles in the light. Since the metal goes so well with almost all colors, styles, and outfits, the metal is hugely in demand in this modern age!

It has unparalleled durability: Pure platinum, aka a metal which is 90-95% platinum will neither fade or tarnish. In fact, the natural white color of platinum lasts forever. The metal doesn’t change shape over time, thereby securing gems properly for over a lifetime. When people buy platinum metal engagement rings, they sign up for something extremely durable and resistant to damage from daily use. When getting the ring cleaned, all you have to do is ask for regular polish and your platinum will shine as if it were new. To ensure durability, look for the 950 hallmark, which means that the band you’re going for has 95% platinum.

It is hypoallergenic: When buying an engagement ring, people tend to forget about skin allergies. In fact, most people are unaware of metal allergies until a ring is placed on their finger or until their skin comes in contact with metal. Since platinum is exceptionally pure, it acts as a natural hypoallergenic that is ideal for anyone with sensitive skin. However, it is recommended to go for platinum with over 90% purity to enjoy its many benefits.

It hardly needs to be maintained: Platinum is a very durable metal that doesn’t lose its vigor with daily use. When compared with other jewelry metals, it comes out as the most durable. While metals like silver and gold need to be taken to the jewelers for maintenance regularly, platinum can stay with you at home for years! Whenever it scratches or loses shine, which won’t happen frequently, take the ring to the jeweler for a simple polish – the result will be a ring as good as new!

It’s the perfect symbol of love: Platinum is rare, precious, and lasts a lifetime – if that doesn’t define a wedding, nothing else will. Considered to be the most valuable of all metals, platinum is durable, low maintenance, and perfect for someone who will be wearing a ring 24/7, or until the end of time!

When trying to buy platinum metal engagement rings, try to keep in mind the following points:

  • Check the hallmark for the 950 mark
  • Finalize on either cobalt or ruthenium as an alloy so that the band is durable
  • Don’t forget to compare prices
  • Ask for an assurance card or certificate
  • Ask for a wax mold of the ring before finalizing the style

Going for platinum as the final choice for an engagement ring is a pretty good idea. It has a modern appeal and looks good with almost everything. Whether buying a ring for a man or a woman, platinum will not disappoint. It pretty much compliments any wear – you only need to focus on the ring style to make your better half super happy.

Last but not least, if you’re a die-hard romantic, you should know that a platinum ring will go down generations. So, if someday you want your great, great, great-grandson to propose with a family heirloom, you may want to put down the money now.
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This post may contain affiliate links and I might receive compensation if you make a purchase after clicking on a link.

Wedding Proposals & How Social Media Has Changed It

Social-media-has-changed-the-way-proposals-are-handled
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Believe it or not, social media has changed a whole lot more other than the way we connect and interact with others around us. When you scroll through your Facebook, Instagram and even YouTube feeds, you can see that wedding proposals have become even more elaborate and thoughtful. Not to mention, almost everything and anything is captured today and posted for the whole world to see. Wedding-Proposals-How-Social-Media-Has-Changed-It                                                       Image Source: Unsplash

As you can guess, this has had a big impact on wedding proposals. If you are planning to propose to your special someone very soon, you may want to check in with this article for any ideas. Also, if you are still searching for the perfect ring, check out reliable online jewellers such as Certified Diamond Network for unique engagement rings.

The bottom line is, however, even though it has changed the way we propose as a whole, it doesn’t have to affect the way you choose to propose. If you aren’t one of those who post about your relationship on social media, you can keep it that way, of course. This article is simply written to delve into the changes the big names have made to our romance.

How Proposals Are Different In The Age Of Social Media

Proposals, in general, have gotten much more over the top. You just need to look at the stats to see how many Facebook status updates have changed to ‘engaged’, spurring expectations among most women that their own partner will be pulling a massive romantic stunt soon.

How-Proposals-Are-Different-In-The-Age-Of-Social-Media                                                       Image Source: Unsplash

Nowadays, there is also an expectation that everything must be ‘Insta’ worthy and if it’s not, couples may just go with it or shelve it entirely and start over.

We cannot deny the fact that social media has a big impact on our lives today, whether personal or interpersonal. Now, there are also clearer distinctions of wedding seasons due to social media. As a result, marketers also step up their game. This means from all angles, no matter where you are looking, you will see a spike in proposal-related material which can be positive or negative depending on your perspective.

When proposal season hits, there is usually a massive spike in sales and wedding planners normally get extremely busy, not to mention all the guys who want to really impress their woman and their whole circle of friends by posting their proposal on social media.

The bottom line…

It can be a positive thing and as always, there are two sides of the same coin. However, if you feel that the expectations cast by social media are getting in the way, you can always step back and go down the old-fashioned yet time-tested route, which is to get down on one knee, present the ring to your beloved and propose in private, sans social media posting.
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