December 10, 2014No Pain No Debt
It all adds up: even if she's set a Christmas budget there are so many extras not accounted for. Spending is up this year the experts say. Forbes Women warns of setting a holiday budget without remembering the extra essentials like cards, tape, wrapping paper, special food, clothes, and gas. It's one thing to plan for the gifts, but all these extras add up as well. Last year I put together a box for my mom complete with gifts, pictures, and ornaments made by the kids and a loaf of cranberry nut bread. I shipped early to ensure its arrival, but first class postage on this box of goodies came to $23.00. That's the cost of a gift for some people. Now when I shop I calculate how much extra it would cost to ship the gift myself; that's the big reasoning behind my sending gift cards: they fit nicely in the card I was planning on sending anyway so no extra cost is concurred. Statistics are now showing that a gift cards is not as welcome as they used to be.
Shopping always poses an impulse buy with so many merchants vying for business. There are brightly wrapped gifts under $20 all over the place along with the perfect stocking stuffer staring at you when you go to check out. It's a time to feel more generous and a time to go into debt, even deeper debt. The credit card association claims 72% of this year's shoppers will not be able to pay their bill in full come January. Meaning that extra $20 gift she grabbed could end up costing $100 if she doesn't pay it off in time. It's a harsh but true reality, and your gentle wisdom could be just the voice she needs in her ears to stop a potentially expensive exchange. She'll thank you come 2015.
December 9, 2014Good Cheer
Year-end giving is top of mind for many agencies, knowing that she could be seeking to end her year on a charitable note with an extra tax deduction to boot. Mailboxes are filled with donation requests and merchant catalogues reminding us that December 22 is the last ...
December 8, 2014Icing on the Cookie
Cookies are baking right now. Somewhere, there is an amazing aroma and gingerbread men being decorated. On the cover of most women's magazine you'll see a popular chef with a tray of cookies and a cover that offers all their tips inside the pages. I've seen everyone ...
December 5, 2014December Birthday
It's my friend Dana Healy's birthday today. I've know her since I was in the second grade. She lived a few houses up from me and had parents that loved to play. Her dad drove a Harley and they had a trampoline in their play room along with every hot toy, even video ...
December 4, 2014Fries With That?
My daughter in college requested I write a column on sweet potato fries. She tells me they are on every menu now and now more than a few of our favorite Diner spots claim it to be the new 'it' side dish. I'm wondering what finally happened to teach our restaurants the ...
December 3, 201410 Minute Manicure
During a layover in Toronto I literally walked into a sign that said "10 Minute Manicure." As someone who gets regular manicures I know sometimes the drying time alone can take this long so I inquired because my flight was delayed 30 minutes and a manicure was the one ...
December 2, 2014Care
Women are know to be the main caregiver in their family. When she is down for the count the family has options. Either help her get back up or punt. It's horrible for a woman to be sick and to know that she can do nothing for her family, especially if there is a need. ...
December 1, 2014Squabble
On this Monday the question of the day will be "did you have a good Thanksgiving?" The standard answer will be "yes." A New York Daily News survey showed that 68% of families had some sort of squabble before dinner was served. How serious the issue was not explored; ...
November 28, 2014Wrap it Up
Just like Christmas, Black Friday starts earlier and earlier each year, for some it started yesterday. Black Friday initially began to help business get out of the red, Black Friday promises deals and shopping steals. Yet, lots of holiday sales and opportunities have ...
November 27, 2014Thanks!
Free turkeys are roasting all over the country today. The 'free' turkey is most likely given from the grocery store 'she' frequents because a certain amount of money had been spent in the last few weeks. Whether she's cooking a free or fresh bird depends on taste and ...