Tag Archives: smart spending

5 Smart Ways To Shop And Still Save Big After The Holidays


How can you cash in and really save big after the holidays?  While we are coming up on the end of the first week of January, there are still some great after Christmas Day sales to be found out here!  If you’re really looking to stick to an organized financial plan this year, and you want to start saving right away–it’s the perfect opportunity right now.  Retailers want to move that old winter merchandise, so many are cutting prices to 75% at this time of the year!

And yes, after Christmas Day sales are more popular than Black Friday.  This is exactly where frugality during the year pays off big time.  So, how should you plan and what should you consider purchasing to really save money?  Let’s look at the 5 smartest ways to take advantage of the savings.  But wait…not just for after Christmas, but following holidays all year long!

Take Advantage Of After The Holidays Sales In January And More!


Just remember friends–there is a pattern, and always a perfect time to purchase anything and everything you need on the cheap!  You can have the most modern items far less than what others have paid.  For example, electronics are at huge discounts right now, so the old merchandise can move out and the new can move in!  January and February are the best times Canadians can get out there and get some really cool electronics cheap!

Pay attention to the time of the year, at any time you’re wanting to save–not just after Christmas.  Every holiday has a sale following it.  Just think of how much you could have saved for Valentines day if you would have gone to those sales last year! Of course, you don’t want to purchase candy to gift to someone a year later, but you can purchase other sweetheart items that maintain their value!  You just have to think outside of the box!

Follow these tips below when you’re dead set on maintaining a savings plan and being frugal!

The Best After Holiday Shopping Tips For All Year Long!


  1. The absolute best time to buy electronics such as: laptops, tablets, desktops and phones is in February! Mark it on your calendar and make a list. If Tommy was too young for something so advanced this year, he just might be ready next year!
  2. You can certainly stock up on personalized bath items after Christmas and all through January. Now that retail stores like “Bath and Body Works” are all the craze, you can really rack up on some additional savings throughout the month on soaps, lotions, body butters, candles and more! It certainly is better to get those aromatherapy items now, because you can use these as gifts at the next major holiday, which is: Valentines Day! See how planning ahead pays off?
  3. Let’s not forget how badly you need storage items for those holiday decorations and more! Plastic storage containers and artificial Christmas tree coverings are cheapest right after the big day.  In fact, many retailers have these items out during the holiday season at their full prices. After, you can get these for 50% less than retail value! And just think, you need storage tubs for a variety of things!
  4. Don’t forget about Online retailers! You can save and never leave your home! From all kinds of non-perishable items that can be utilized all year long (like fancy dishware and glassware) to greenery and decorative home furnishings–your savings can come in at 25% upwards to 65% off for items like these online. Some Online retailers also allow for promotional codes that can save you even more!
  5. For those new car shoppers, the end of the year is the perfect time to shop for that shiny new toy!  While this is passed now, at least you’ll know from now on.  If you can have patience, you might find you even have more choices at the end of the year that meet your budget–versus cashing in during the middle part of the year!

These tips are practical and timeless–worthy to work for frugal shoppers all year long!  Since retailers seem to be having these earlier and earlier every year, just keep your eyes open so you don’t lose your chance for savings.  It’s time to give your wallet a rest and save when and where you can!

10 Tips To Help You Avoid Mindless Spending


You don’t need your budget to be leaky like a faucet, because sooner, rather than later, you’ll run dry!  The only way to minimize risk like this is to develop a better relationship with your money so that you can save rather than mindlessly spend it.  Patching up your finances, where they need it the most can help salvage your financial future and build up a substantial savings over time.  Of course, it’s a step by step process–learning new strategies and developing improved spending habits. The 10 tips that will be shared with you here will ensure success and get you seeing your money in a different way.  You can stop living paycheck to paycheck and begin making a solid plan that will dramatically change your life for the better.

Stop Mindless Spending And Discover Conscious Spending

It’s amazing how fast those $5.00 cups of Joe really rack up at the end of the month, isn’t it?  Mindless spending is all too common in Canada,and across the globe for that matter.  Now, there is a thing called conscious spending and it would be perfect if everyone could have this type of mindset.  What this implies is that an individual is more than aware of where each and every one of their dollars go!  This not only helps with managing a budget, but it can help plan a financial forecast for an entire year!  There is no doubt about it, when you become conscious of just how much you might be wasting, it limits your wastefulness!  In other words, this makes you more accountable for your financial actions.

Those consumers who can develop an emotional attitude concerning money understand the value of it and are found to be far more thrifty than others who just spend, spend, spend…It’s easy to develop a new mindset and become more thoughtful and vigilant of where your hard earned money is going.  It’s time to stop just spending needlessly!  If you don’t need it then you probably don’t really want it.  The tips below will give you some ideas on where you might be spending without regard. You’ll find, cutting some of these expenses back will definitely be beneficial to your long-term finances!

Discover The Ways Your Wasting Money So You Can Save Money And Begin The New Year Right!


Tip 1:  Stop wasting energy!

Within Canada, and all across British Columbia, energy expenses are approximately 6% higher than the average US household.  This is due to wastefulness, but being more aware can begin helping you save a great deal.  For instance, making your home more energy efficient can bring about a huge savings.  Taking the right steps for improvement will put more money in your wallet or savings account!

Tip 2:  Stop grocery shopping without a well planned list!

Grocery expense has grown quite expensive through the years, but with proper planning ahead you can still save a great deal. You should never go to the store without a planned list and a week worth of meals planned out!  Also, avoiding those end caps will keep you from purchasing things you don’t need.

Tip 3:  Cut cable now to save money!

With streaming services available now, paying high prices for cable doesn’t make sense.  You can save up to 10% just by pulling the plug for cable network service.  Integrate the internet and utilize, Netflix and other networks that are normally just $10.00 a month versus $200 and up for cable service.

Tip 4:  Invest in a water filtration system.

Instead of paying exuberant amounts of money for bottled water every month, invest in a filtration system for your home. This is just as good as any bottled water and a great investment for years!

Tip 5:  Stop eating out every week.

Eating out weekly can add up fast and really ruin a budget or financial savings plan.  Plan and prepare healthy meals at home that will add convenience and save money.

Tip 6:  Avoid overdraft fees.

You can avoid overdraft fees by managing your money far better and keeping track of all your spending.  Writing your expenses down and knowing where you’re spending makes a difference.

Tip 7:  Avoid paying excessive bank fees.

Before you open a bank account, know the fees and rates you’ll be charged and offered, this can save aggravation in the future.

Tip 8:  Don’t ignore your credit report.

Attempting to establish a repayment plan to get out of debt and to secure a better future will save you far more money than ignoring collectors and allowing blemishes to continue to build against you.  It can be a scary thing to acknowledge your debt and become proactive can save you financial loss down the road.

Tip 9:  Shop around for affordable insurance.

Yes, we all need insurance, but you shouldn’t have to pay extremely high costs to secure this critical necessity.  Shop around and discover who can offer you the best rate at the most affordable costs.

Tip 10:  Stop impulsive shopping forever.

When you want to make a purchase, take your time and consider if you really need it.  If you allow yourself a couple of weeks to think it over, you might find you can live without it!  This doesn’t mean never shop, but simply be more conscious.  This is what it is all about, if you want to succeed financially!

Woman shopping