Archive for the ‘Holiday Shopping’ Category
With two sons in college this year, the gift selections are going to be a lot different than in previous years. Although their stockings will still be filled with the traditional Pez Dispensers, toothbrushes and socks, this year’s gifts will be specific to their needs and not their wants. Malik lives in the dormitory at Bowie State University so here are the gifts that I have selected for him:
he is not a coffee drinker so I will include Tea K-cups
these are so much easier to carry down to the laundry room as opposed to a large bottle of detergent
I won’t forget the quarters
Rapid Ramen Noodles Cooker for the Microwave
this is a new product that I may have to buy for myself – I still eat Ramen Noodles, so don’t judge!
Heavy Hooded Jacket
walking across campus in the cold snow, rain and winds, he’ll definitely need a heavy, insulated jacket, gloves and hat
Heavy hooded jacket to wear as he walks across the yard
Tayair on the other hand lives at home and drives to the University of Delaware. He, however, catches a shuttle bus and also walks on campus so he’ll also need a heavy winter jacket, hat and gloves, along with these items:
shuttle buses run pretty regularly but while sitting in the bus shelter he can listen to music or a podcast while he waits
the chair he has now is flat on the floor causing him to look up, so, a style like this would eliminate the back strain that he must be feeling
In addition to a few gift cards and gas money I’ll also get them a few Avon products including a fragrance gift set and new slippers which they both need.
Now I guess it’s time to start working on a list for hubby, but he’s easy to shop for.
Have you started shopping for gifts yet?
Stay Blessed ~ No Stress in 2014
Hello friends and Welcome to Money Monday
Remember last month when I told you that hubby couldn’t buy me a gift for my birthday? Well after checking his bank statement a few days earlier, he realized that there had been some fraudulent charges made against his account. Luckily, they weren’t excessive, but after contacting the bank his debit card was immediately suspended, oh by the way, there’s a charge for a replacement, which I think is unfair but that’s another story for another Money Monday.
Anywho, I’m glad that he had finally heeded my warning in making sure to check his statements as well as any credit card or medical bills that were received in the mail. There are so many ways for scammers to get you and it doesn’t just happen during the busy holiday season.
Scammers and fraudsters are ever vigilant, therefore, as wise consumers we must be the same, so here is a list of 12 tips to help you avoid fraud and keep the scammers at bay!
- Install a lockable mailbox to reduce mail theft.
Limit the number of credit cards you have.
Reconcile your check and credit card statements as soon as possible, and immediately challenge any purchases that you did not make.
Scrutinize your utility and subscription bills to make sure the charges are yours.
Keep a list of all your credit and bank accounts in a secure place so you can quickly call the issuers to inform them about missing or stolen cards. Or make a copy front and back of your cards with the numbers to customer service and fraud departments.
Do not toss pre-approved credit offers in your trash or recycling bin without first tearing them into small pieces or shredding them. Dumpster divers can use these offers to order credit cards in your name and mail them to their address. Always do the same with other sensitive information, such as credit card receipts and phone bills.
Avoid credit repair scams. If you are tempted to contact a credit repair company for help, use considerable caution. The FTC and a number of state attorney generals have sued credit repair companies for false promises to remove bad information from credit reports. Only inaccurate information may be removed from your credit report; negative information that is accurate (such as a bankruptcy filing or a defaulted loan) will stay on your credit report as long as governing laws allow.
- Never give any credit card, bank or Social Security information to anyone by telephone unless you can positively verify that the call is legitimate.
- Minimize exposure of your Social Security and credit card numbers. If the numbers are requested for check-cashing purposes, ask if the business has alternative options, such as a check-cashing card.
- Do not have your bank send your new checks to your home address. Tell the bank that you prefer to pick them up.
- Destroy all checks immediately after you close a checking account. Destroy or keep in a secure place any courtesy checks that your bank or credit card company sends to you.
- Do not allow your financial institution to print your Social Security Number on your personal checks. I remember when your social security numbers were not only printed on your checks but also on your driver’s license as well. Times sure have changed!
Have you ever been a victim of a scammer, whether online, via the telephone or mail, if so, then you know how difficult, time consuming and sometime costly it can be to get things back on track.
Check www.aarp.org/fraudwatchnetwork if you are concerned about an organization that doesn’t sound legitimate and call 877-908-3360 which is the AARP Foundation Fraud Fighter Center.
Better Safe than Sorry!
Stay Blessed ~ No Stress in 2014!
Hello Friends and Happy Fri-Yay!
Today is “Black Friday”, and in the United States it’s the day after Thanksgiving, noted as the first day of Christmas shopping. Crowds of consumers are drawn to special offers by retailers and some people even lose their minds!
Unfortunately or fortunately, depending on your point of view this year some retailers began their Black Friday sales Thursday night!
Die hard Black Friday shoppers are those who after Thanksgiving dinner will leave the warmth of their homes and drive to stores to camp out overnight for the latest, lowest priced gadget.
Are you a Black Friday Shopper? If so, more power to ya just don’t forget to wear comfortable shoes, carry snacks and a bottle of water in a small purse and check out this 2013 Black Friday Shopping Guide.
Have Fun and Be Safe!
I don’t like shopping in the holiday madness and prefer to stay local which is why I like places like the Dutch Country Farmers Market in Middletown. My sons are older so there’s no need to wait until Christmas to buy them gifts, those days of hunting for Tickle Me Elmo, Furby or Star Wars memorabilia is long behind me. I can now enjoy leisurely shopping and watch others stress – lol!
Here’s a look inside our local Farmers’s Market
Tomorrow is Shop Small Business Saturday so come back to see which Middletown Shops I’ve featured.
Happy Black Friday – Smooches
The holidays are just around the corner and most of us are a bit more budget conscience, however, if you are looking for cute and unique gift items at affordable prices, please check out GOANDGIFTSHOP.COM. Go And Gift Shop is an online store that sells all types of gifts, collectibles, home, garden and seasonal decor that fits into most budgets.
With some gifts priced well below $20.00, and others more than $50.00, you are sure to find something for everyone on your shopping list. They also carry unique items such as this “Shoe Wine Holder” for the fashionista in your life.
Do you want to give your home a mini makeover or just find something special for a family member, friend or co-worker? Take a look at their online catalog and if you are not ready to make a purchase create a “wish list” or order a Gift Card. Also, don’t forget to sign up to receive exclusive promotions and discounts for when you are ready.
As an added incentive GoandGiftShop has offered my readers a $10.00 off Gift Code to use towards their purchase, valid only until December 15th. Simply send an email to email@example.com with “I want a $10 gift card to GOANDGIFTSHOP.COM” in the subject line and you’ll receive a reply back with the discount code.
Now is a great time to start thinking about indoor and outdoor decor for next year’s season at today’s discounted prices. Check them out and let me know what you think.
Happy Shopping and Saving!
I was not compensated for the writing of this post and all opinions are 100% my own.