Shopping Tips For the Frugal Shopper

The problem isn't that we don't make enough money, it's that we spend too much money.

That is so easy to say, but I know that many people struggle with shopping. I know that I do. It is so easy to try to forget for a while and just buy everything that you want. I do it when I am stressed or upset. I understand.

However, I know that it causes financial trouble. So I remind myself all the time of our financial goals. What is really important: shopping or retirement?

One of the top keys to my successful rehabilitation from overspending is planning. You have to plan your spending. This will keep you from making those costly impulse decisions. If you don't need something specific from a store, don't go in it!

In planning your shopping, make lists. Remember, when you are going through the grocery ads, that sales items are not always the cheapest. With a little time and some directed shopping, you will begin to recognize a good deal when you see it.

Shopping can be stressful. You are better off if you plan your shopping for times when the stores are virtually empty. This may mean doing your grocery shopping at 8 am Tuesday morning. Don't go just before holidays or on paydays. It's always crowded then.

Plan your buying so that you replace items when you run out of them. You don't necessarily have to buy bulk to save money. Look at it this way. Yes, you may use the gallon of peanut butter. But you might not have $ 10 for it right now. Buy the $ 3 jar if that is all you can really afford.

When it comes to sales, you have to have control. Don't buy things just because they are a good deal or are on sale. If you won't use it, don't buy it. This is often cemented when you clean out your closet. What is a three dollar shirt worth if you've never worn it? That's three dollars out the window. After a while, the sale items add up. They cost money too.

Keep in mind that larger isn't cheaper and smaller isn't cheaper. Often, you have to look at the unit prices if you are concerned with getting the most for your money. Many stores have the unit price on the shelf sticker.

When shopping on sale, you need to watch the clerk ring up your purchases. Don't be afraid to say something. And no matter what, always check your receipt. I once had a clerk charge me for 23 loaves of bread instead of 2. I'm glad I checked the receipt.

And finally, to keep from spending too much money, you should leave your checks and cards in the car or at home. Only take the amount of cash you can spend with you. That way, you won't be tempted to write a check or charge.

There are many ways to save money when shopping. Start …

Online Clothing Tips for Women

Shopping for clothes online can have many ups and downs. Here are a few tips to make your shopping go easier.

1. Take Your Measurements

There is nothing like getting an item you have been looking forward to only to find out it doesn’t fit you at all. To prevent this you must take measurements of your body size so that you can compare it to the items you want. Start with measuring your bust, waist, and hips, then write it down and keep close for reference when shopping. Some sites may have sizes has the general small, medium and large. However this can differ from which brand or which site you are on, so always check what the measurements are said to be.

The picture of the model can only tell so much about how big or small something actually is. Depending on your body size you may want to look for different things in an item size. If you have larger boobs you may want to check the size of the bust first to see if the shirt is a good size that will be comfortable. For example if your bust size for a shirt is good for you at 90cm you will not want a shirt that says the bust is 70-80cm.

2. Find Your Go-To Sites

There are thousands of online shopping retailers from forever 21 to amazon. It is important to test out a few sites to find places that sell clothing you like but also clothing that you know will fit or will be of good quality. Not every site is trustworthy and some sell cheap low quality clothing. To find out what sites are for you, you may want to research some site reviews and YouTube reviews from that site where you can see the clothing in video. Over time you will find the sites that you can trust to buy certain items such as a site that always has good quality shirts that fit you just right. another piece of advice is not to buy simple low costing items from online when you can buy it in person for cheaper. For example a simple plain white cami top can be bought mostly anywhere in person for a low-cost. So it would wiser to leave the simple items to in person purchases.

3. Return policies

Of course not everything works out. In the event that you need to return something it is important to know what the policies are ahead of time to avoid unexpected problems. Figure out how much time you have to return an item and if you have to pay for the shipping your self. Also know if a site will take back any item and any state or if there are certain requirements. Some sites have lengthy return polices that you don’t want to deal with, so if there is an item you would like and would return it if you need to get a different size read the …

7 Top Tips From the Business Woman of the Bible, Lydia, for Today's Woman of God

Lydia was one of the most successful business women in the Bible. You will find her story in the Bible in Acts 16: 14-15. According to Biblical records, Lydia was a business woman who dyed and sold purple cloth, a material used by the wealthy and elite of the day. This meant Lydia worked in a high-priced market with a high-end target market.

But Lydia was more than just a woman who sold luxury goods to the elite and the powerful. From all accounts it appears she was also the head of her household, an employer of others, and a woman of great Christian faith. She was the first European convert to Christianity and the first to establish a church in her home for other Christians. Fellowship times included examples of how to do business and worship as a part of a business woman's day.

As a powerful woman of God, Lydia has much to offer today's Christian business women. Here are seven valuable lessons for women of God from the Bible woman, Lydia.

1. Keep prayer in your daily activities. The bible story of Lydia says she met the Apostle Paul at a place of prayer. She also opened her home to have worship services for others. Keep your implications in order as a woman of God. Remember to pray unceasingly about everything including your business activities by making prayer a priority activity on your daily schedule.

2. Work to please the Lord. Lydia took her responsibility as a Christian business woman to work "as unto the Lord" very seriously. You can show Christian beliefs through your nature and personality without being pushy or unprofessional. Show Biblical principles through your actions and decisions in your business.

3. Design a powerful company. Lydia was a no-nonsense business woman who built a major company in a wealthy market. Nothing says a woman of God has to play small in the business world. Christian business women should be open to working in all types of industries and not shy away from the potential of going big. If you are pursuing big dreams use Lydia as your role model for growth.

4. Try non-traditional opportunities. By being a successful and wealthy merchant of purple cloth Lydia was in a non-traditional business category during her times. Don't shy away from embracing non-traditional business opportunities. Consider working in fields where few if any woman are already excelling and create new paths to success.

5. Find your balance between work and home. Lydia maintained her household even while running a powerful business. Each woman has to find the way to balance, keeping her home in order while running a business. It might mean downsizing or hiring help. Use your business skills to figure out what works for you to get it all done.

6. Learn to grow your business. Lydia's business was so successful that she had to hire employees. Growing a business means eventually needing to hire help. That help might come in the form …

5 Toy Shopping Tips for Your Kids

When you shop toys for your little child, this is when your inner child gets overwhelmed with joy. The whole experience revives the memories of your childhood.

While you are out there shopping for your little bundle of joy, it is extremely important that you buy only the best toys. And, all the toys of the world don't qualify as the 'best' if they are not safe.

I've got your back when you are looking out for all the points on the toy safety checklist. I've penned down the best toy shopping tips to make the whole experience a fun and an easy one!

Remember when you get befuddled by looking at so many toys in front of you, just keep your calm and use my tips!

1) Safety first

You can give your attention to other chores only when you know that your child is secure. It becomes very important to buy playthings that have no sharp edges and will not cause choking. Besides these two things, you should keep in mind the below points:

a) Always buy toys that label the use of non-toxic materials.
b) It has been seen that toys with loud volume can cause loss of hearing in kids. So, parents should avoid buying toys for kids that are too loud.
c) Also, don't prefer toys with cords and elastic bands as they might cause strangulation.

2) Age befitting toys

It is very important to buy toys, which are age and gender appropriate for your kids. For instance, buying a Barbie for your baby boy will not make much sense, whereas gifting the same to your baby girl will make her the happiest.

The interesting thing is what grabs the attention of your kid when he is two will differ from when he is eight years old. This is because the learning abilities in kids vary from age-to-age. So, try to find the playthings for your little ones that can actually intrigue them and motivate them.

Every toy comes with age reference, so while purchasing them; just keep in mind the age of your child and his / her capability to understand things.

3) Significant learning for lifetime

The playthings give your Juniors the opportunity to learn without being in any constraints and structured environment. Though kids are constantly learning from birth, but the age between one and two years is crucial and significant for development. This is the time for them to learn about their surroundings and enhance their skills. So, mommies and daddies make sure to add a toy in your cart that promotes learning, for instance, games wherein kids have to respond to the questions using the cognitive skills.

4) Let their motor skills blossom

For children, fine motor skills start developing at the infancy stage only and as they are about to complete two years, these skills can be distinctly seen. Such abilities keep on blossoming till kids reach their adulthood. Therefore, it is very essential to buy those toys for …

Some Tips For Online Clothes Shopping

Clothes shopping online can be a complete chore for some and for others, this can be the most pleasurable activity they do in their free time.

Online shopping web sites are unearthing now and then

In the last one decade or so, the mushrooming of virtual fashion stores have helped the busy and the hard-working people of today era to buy clothes online with ease at the comfort of their home or office.

And, we also cannot deny that it takes a few minutes to buy your desired product online. But, to get full worth for your hard earned money on virtual shopping, it is required to follow a proper shopping strategy before the tapping your fingers on your laptop.

Here are some most effective online shopping strategies which every shopper must learn by heart-

Pay attention to the quality of clothing

This is the first and the foremost thing, which cannot be overlooked while buying clothes online.

Delivery cost of the product

Before placing an order you must check the delivery charge of that particular product, so you don't end up spending more than you should.

Compare and shop online

This is the best strategy when comes to virtual shopping. Check some websites and compare their pieces before finalizing on anything. And, please avoid from buying from the first site you find.

Read to confirm the return and refund policies of the e-commerce site you are shopping from

It is always good to think positive, but mishappenings can occur. So, it's better to read the refund and return policy before making a purchase. Most companies have a time limit for returning of good, and some companies take no responsibility for goods which are delivered successfully.

Read reviews online

After you have spotted the garments that you think are worth buying, then you should read online reviews available on the internet for the manufacturer and its goods. It is important to remember that the quality of the product cannot be judged by looking a few product images. Therefore, it is good and handy to read reviews written by those who have purchased the same product earlier.

Buy from a reputed shopping portal

It is always advisable to buy from a reputed virtual shopping outlet; even it means spending more money as, this will pay off at the end when you will receive your parcel or on wearing it on that special occasion.

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Tips on How to Be Comfortable in Professional Clothing During Summer

Summer is a season everyone looks forward to. It is a season with lots of outdoor activities. It is also a time for bright colors that replace the dull and dark colors of winter. Summer season nevertheless has its own challenges. The peak of summer is often characterized with scourging heat of the sun that leaves a lot of people longing for cold drinks and cool environment. It is a time when a lot of people are scantily clothed, so as to allow evaporation of water (sweat) from their body, as evaporation leads to cooling. The greater the part of the body that is exposed to air the greater the cooling sensation people experience. In an attempt to maximize the cooling effect they experience, some people tend to be overly scantily clothed such that they stray from norm of decency.

Dressing professionally to work during the summer season can be a challenge for many as professional dressing prohibits any form of scanty dressing. To ward off the heat of the sun and also enjoy the cooling effect of evaporation of water (sweat) from the body in the summer season, there are couple of clothing tips you can consider. These tips are; I. The colors of the clothing you wear. ii. The styles of your clothing and iii. The material your clothes are made from.

Colors of the Clothes You Wear

During the summer season endeavor to wear clothes with very bright and reflective colors, when shopping for summer clothing, buy clothes with very bright colors especially clothes with white background such as stylish tops and blouses, dresses, bright colored skirts, white pants, or white men's dress shirts, bright colored t-shirts. Avoid clothes with dark colors especially solid black clothes, such as solid black pants, black men's dress shirts, black dresses or black skirts, black men's suits. Bright colors are very reflective, they reflect the heat of the sun away from your body, while dark colors are very good absorbents of heat and you certainly do not want to wear such clothing during the summer season. Wearing bright colored clothing in summer will help to reduce the amount of heat your body absorbs.

The Style of the Clothing You Wear .

When possible avoid clothing with long sleeves. Wear clothing with short sleeves, such as short sleeve dresses, knee length skirts, 2 or 3 piece dress suits or skirt suits with short sleeves. You can also wear a cotton jacket over a sleeveless top or blouse. Men can wear men's short sleeve dress shirts, men's walking suits or men's casual shirts.

The Material the Clothes You Buy are Made From

Different clothing are made from different types of materials, some of these materials are cotton, nylon or synthetic in nature. The material from which clothing is made from gives it its unique characteristics. These characteristics determine the durability, comfort and safety of such clothes around certain environment. It is very important to take into consideration the material your clothes are made …

Fashion Tips: Women's Dresses

It is fair to say that the majority of women love fashion and wearing beautiful clothing. It is probably equally fair to say, that only a minority of women choose to wear dresses as part of their clothing. There are many reasons for this, but mostly it is due to a lack in confidence in their ability to carry-off a casual and natural air when wearing dresses.

However, there is nothing more simple, or easy, to wear than a casual dress. Here, we will offer some advice on the types of dresses available today, in the hope that by understanding a little, a lot of confidence can be gained and that perhaps a few more women will experiment with their clothing and begin to wear dresses with poise and self-assurance. If just one woman changes her mind, and decides to experiment with dresses, then this article has done its job correctly.

There are various styles of dress, which can be separated into different categories depending on their cut. There are many styles of dress, from the casual dress that can be worn every day, to the formal dress that is generally worn only on special occasions. In this latter category is the gown, made famous through various fairytales, such as Cinderella and Rapunzel – and many girls spend their childhoods dreaming of the opportunity when they can finally wear a gown themselves.

In adulthood, there are many opportunities for wearing such a dress, most notable are the end-of-school Dinner Dance, graduation ceremonies, and most of all, weddings. The gown style dress is arguably the most feminine style of dress, flattering the figure in a manner that is attractive, and yet, not too revealing. Although they are not 'sexy' in the sense that a little black dress may be, they are supremely alluring nonetheless.

Beyond the gown, there are various styles of casual dress, such as the mini-dress, the sheath dress, the shift dress, the sweater dress … so much so, in fact, that women are spoilt for choice. And given the incredible range of dresses that can be found, there is certain to be a cut / style to suit even the most ardent of dress-protesters! Dresses can make a statement to the world about the type of person you are, saying 'I am confident, chic, and sure of who I am' – no other item of clothing can boast quite that reputation, with the exception, perhaps, of the stiletto heel.

Different countries have different traditions when it comes to wearing dresses, and indeed, even in the UK, until the Women's Movement of the 1960s, it was practically unheard of for women to wear trousers!

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Tips for Starting Your Own eBay Women's Clothing Store Business

Launching your very own women's eBay clothing store is a great way to begin a journey of financial freedom and independence while working from the comfort of your own home. Starting your own eBay women's clothing store requires a bit of planning, preparation and some creativity to get your store off of the ground and running. The more you prepare to run your online store, the easier it will be once you begin to receive orders from those who are interested in the merchandise you have to offer.

Tips for Choosing Your Inventory

Determine what type of merchandise and inventory you plan to stock within your online eBay store before you begin searching for merchants that are right for your business. Create a list of the type of inventory you want to stock along with specific sizes you require for each piece of clothing or good you are interested in. The more detailed you are with your budget and specific about the type of clothing you want, the easiest it is to work with merchants and wholesalers who provide what you need for the industry you represent.

Keep in mind any colors you want to offer as well as size charts from each vendor before you place any order to ensure you keep your customers as satisfied as possible when they make a purchase from you.

Finding the Right Wholesale Suppliers for Your Business

Finding the right wholesale suppliers is also necessary when you are shopping for a women's clothing store on eBay. Finding a wholesaler online that caters to those who have eBay shops is highly recommended to purchase high-quality products and merchandise at a discounted price, especially when ordering in higher volumes. Shopping online to find the right wholesalers is a way for you to save time while also getting more access to hundreds and thousands of items depending on what you plan to sell to your customers.

Avoiding Shipping Nightmares

Avoid shipping nightmares when ordering any of your products wholesale by reading and reviewing all terms and conditions that have been put in place by wholesalers and other merchants you are using to purchase your items. Be sure to read the terms and conditions of all vendors you work with when operating a store of your own on eBay, especially if you plan to order items in bulk. You may also be able to find discounts from various merchants with the more you order in wholesale.

Importance of Pricing Factors

It is essential to factor in the pricing of your items and the markup you want to charge before launching your online eBay women's clothing store. Consider the price you have paid for each item before marking it up and selling it to others. Additionally, it is also important to consider whether you are paying for shipping or requiring your customers to pay for shipping before setting a price for the merchandise you have for sale. If you plan to pay for shipping yourself, it is highly …

Helpful Tips on Business Gift Giving Etiquette in Latin America

Being prepared for an international business meeting requires information and knowledge of what will be discussed or presented at this meeting. A nice social gesture when meeting an international company for the first time, usually, is giving a gift. Take the time to research local customs before making a purchase, though, as some countries find it insulting to receive a gift. Knowing what to do before you go will not only show that you cared enough to learn about your destination's etiquette, but may also open up all kinds of new doors and opportunities for you and your company.

Many multi-national businesses and their governments have very strict policies when it comes to business associates accepting gifts. Many Asian countries are concerned about corporate corruption and see gift giving as a bribe, so holding off on gift giving until you get to know the company and its policies may be a good idea. You should know that in Malaysia, most businesses require you establish a working relationship with them before giving a gift. Even here in the United States, our government sets a $ 25 spending limit on how much a business gift can cost.

An important fact to know about Latin American culture is that it is predominantly patriarchal, and very rigid divisions between work and home exist. Men are in business, and women are at home. If you happen to be visiting Guatemala, El Salvador, Colombia, Chile, Nicaragua, or Peru make sure you familiarize yourself with the current affairs and political dealings that are going on within those countries and avoid any discussions about these subjects for it most certainly will destroy any business dealings you hope establish with any companies therein.

When first meeting prospective business clients, handshakes are important so be firm but brief, and always make sure you keep constant eye contact throughout the handshake. When shaking hands with a woman, remember to be courteous and allow her to extend her hand first. Expect the person you're speaking with to stand close to you and look you in the eyes, don't move back or break eye contact because you could offend the person talking to you.

Below are some social taboos you should be aware of since using any of the following gestures can cause problems.

1. The "OK" sign made with your forefinger and thumb is an offensive gesture in Brazil.

2. Placing your hands on your hips in Argentina means you're signaling a challenge.

3. Raising your fist to your head in Chile is a sign of Communism.

Latin America enjoys the business lunch and they are usually pretty long, at least two hours or longer. Dinners are considered purely social events and start late at night, usually around 10:00 or 11:00 pm. When at a social dinner, remember to keep your hands above the table at all times when eating and always pass food with your right hand

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Tips in Purchasing Wholesale Clothing

A lot of people have been relying on the internet to open up their own online businesses. A common online business that is gaining popularity among consumers is the online clothing store. There are now online stores that cater to specific demographics or lifestyles. Having an online clothing store is a great way to augment your income. However, an online clothing store can become your main source of income if you know how to successfully manage it.

When you are planning to open up an online clothing store, you must plan it well and execute the plan to the letter. However, you must also be open to any adjustments to your plan if the need arises. Also, when you are opening a clothing store, you must also think about where your materials will come from. Are you going to create the clothes yourself or are you going to outsource their manufacturing? Are you going to buy your materials from a wholesale clothing manufacturer and then re-brand them as your own?

The most important thing when opening up an online clothing store is making profit. With this said, the best option for you to come up with more profit is to purchase your stocks from wholesale clothing manufacturers because they will come out much cheaper and you can have a higher mark-up price margin. Here are some considerations to make when purchasing wholesale clothing.

Who is your clientele? You should first consider who your clientele will be. Will you focus on selling only kid's clothing or clothing for adults? Streamlining your product range will help you to easily manage your online clothing store especially if you are just starting up. Also, a lot of customers prefer to purchase specific types of clothing from stores that focuses mainly on that type of clothing. It is also better for online customers to pick what they want from your website if you have streamlined your product down.

Do research. If you are planning to resell online, research on the average retail prices of the clothing that you want to resell and determine if you can still make a good profit if you buy the clothes at bulk from a wholesale clothing store. You can look for the lowest wholesale price for clothing that would give you the best profit margin. However, do not sacrifice quality of the clothing that you will sell just to give you more profit. Even if the profit margin is high, if your clothing does not have good quality, you may just end up having a lot of unsold inventory at your hands.

Reliability of the wholesaler. You should also research on the wholesale company that you purchasing your clothes from. Are they established? Are they reliable? You wouldn't want to purchase your inventory from a fly-by-night company that will not be there on your next order. If it is possible, you should make it a point to visit the wholesale clothing manufacturer's place of business. You should also consider …