This is always the best time of year to grab bargains at the shops; the post Xmas sales! Now while your cash will go further at the moment it is important to remember that you don’t want to over stretch yourself; here’s a few ideas so that you can shop til you drop and not feel so guilty afterwards (like yeah, right) plus save some cash along the way…
* Detox your wardrobe; out with the old so you can fit in the new. Chuck out all those pieces that are too small, out of fashion or just never see the light of day. We all have them. Give them to your fave charity shop or you can even make a small profit by selling them to some of those shops into vintage clothes.
* Toss out old bottles of fragrance and any old makeup - not good for you and besides you will need space on the bathroom shelf.
* Shop online more often - Amazon ship for free
* How much do you spend a week at work nipping out for a latte? Add it up and you’ll get a shock: buy a couple of thermos flasks and before you go to work fill one with coffee/hot chocolate and the other with a delicious soup from home, the soup is a real treat in the cold weather and takes the edge off the hunger pangs…I’ll bet you start a trend in the office!
* Bite the bullet and open up your credit card statements. If you’re overcommitted shop around for a credit card provider who offers 0% interest on balance transfers. Shift all your balances to one card and clear the rest. Stick to paying off one card and only using another when you can clear the monthly balance. Write it in letters of fire across your mind for 2008!
It is always a good resolution for the new year to start overpaying your credit card bills; set up a standing order so that the amount is set and you don’t have to worry about it. But make the effort to do this and you will be surprised how quickly that balance comes down. It’s good for your credit rating as well.
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