20 Things People Waste Their Money On

20 Things People Waste their Money On

  1. Credit card interest – Credit card interest is the number one budget killer and money waster. You swipe that credit card and then you plan on paying that money back and bam that interest comes back around and knocks you on your ass! You don’t even realize that you are wasting your money on it, till you don’t have any money!
  2. Overdraft Fees – In this day and age, people don’t usually write checks that then, cause your account to overdraft. However, there are debit cards that take money out of your checking account. For example, the Target Red Debit Card. Let’s be real, how many people have had their account overdraft because they forgot to take in account the money they spent at Target. It is still important to budget your checkbook to prevent overdraft fees. Try to also get overdraft protection. Also, some banks will forgive one overdraft a year. So, always ask.
  3. Going Out to Eat all the Time – Going out to eat all the time can get expensive really quick. Not only is it a money waster but the food is often unhealthy and high in calories. I again highly recommend Pinterest for healthy recipes to make food exciting
  4. Appetizers – Appetizers are great if you aren’t very hungry going into a restaurant and don’t want to spend a lot on a huge meal. However, buying both a meal and appetizers is both expensive and a lot of calories. Plus, how many times do you then bring most of that food home and it goes to waste because you were already full by the time your main meal was served? Save your money!
  5. Gym Memberships – An unused gym membership is such a waste of money. Trust me I have been there, done that and paid that price. Don’t buy into that, “I’m going to make it my new year’s resolution and start going to the gym.” Find other ways to work out that doesn’t burn a hole in your pocket.
  6. Coffee Shops/StarbucksThe internet is really a wonderful thing that we have at our fingertips. We are given the ability to look up great recipes to make our own delicious coffee at home for a lot less. We just need to stop buy into this instant gratification thing. Just think about all the time you’ll save yourself from waiting in Starbucks lines when you could instead be at home making your own delicious coffee.
  7. New Baby Clothes – Save your money on new baby clothes. Children grow out of clothes so quick so it is a great idea to get these items from your shower, second-hand stores, yard sales, or hand me downs.
  8. New Kids Toys – Children get bored with toys quite often or they break and stop working. I see so many kids toys at yard sales and second-hand stores for so much less. I buy my step son used toys and electrons all the time and he enjoys them just as much as the toys he gets from the store. In fact, he doesn’t know the difference.
  9. New Books – I find it extremely important that people find a way to read. However, I don’t believe that you need to pay full price for books. It is so easy to find books used, at a discount online, or at yard sales. You can even borrow books from friends.
  10. New Electronics – It is often tempting to buy the newest and latest trend in electronics. We spend hundreds and thousands of dollars every year to try and keep up with the latest and greatest in computers, fitness watches, TV’s, etc. Keep your old electronics. I have an old 80 GB classic iPod and I wouldn’t trade it for the world.
  11. Upgrading Your Cell Phone – This goes under electronics but, I feel like it needs its own separate reminder. You don’t need to upgrade your phone every time the new iPhone comes out. Wait till your contract comes up and get it for free don’t spend full price!
  12. Magazine Subscriptions – Magazine and daily newspapers can be read a couple of times then throw out. Although, they can be reused and recycled they often are a waste of money.
  13. Bar Drinks – Although, the atmosphere is tempting, drinking at a bar is far more expensive than having drinks at home. Get creative and have a house party. Look up some unique drink recipes on Pinterest and go crazy.
  14. Not Returning Items – I have to confess I have made money off of this. I have found items at yard sales that people had recently purchased that still had the tag on it and I then returned the item. All because the person was too lazy to take the item back to the store. Return your items even if you won’t get full price for it. Just think it is better than nothing.
  15. Buying a new car or trading in a car before it is paid off – New cars decrease in price the second you drive off the lot. So, why would you buy any car new if the resale value of it is going to decrease so quickly?
  16. Overly Expensive Wedding – Weddings are expensive! Couples often spend 30,000 or more on just one day which often starts their marriage in debt. Believe me, I am not exempt. Although, my parents paid for most of our wedding I spent quite a bit of money on odd and ends like decor and unnecessary expenses that could have better been spent on a vacation.
  17. Lottery Tickets or Gambling – Your chances of winning a good sum of money in the lottery or gambling is very slim. In fact, over the years of spending money on lottery tickets and gambling, you are probably wasting more than what you are getting back when you actually do win.
  18. Cable TV/Premium Cable Packages – There are so many ways now to get cable shows free or at a far better cost than what most cable and satellite providers are asking, that it is not worth paying for cable tv anymore. Check out Hulu Plus or Netflix.
  19. CDs and DVDs – Buying anything new really tends to be a big money waster. However, buying DVDs and CDs really can destroy your budget and your space. However, if you like having the physical copy at least buy them used.
  20. Upgraded Shipping –  Why pay for shipping when most stores online will ship to a local store for free? For example, Target or Best Buy will ship to their store for free. Amazon will ship for free for orders over $49 or $25 of books. Or if you have Amazon Prime it’s $10.99 a month and you get free two-day delivery among many other benefits.

7 Ways How to Save at Hot Topic

7 Ways How to Save at Hot Topic 

7 Ways How to Save at Hot Topic

7 ways how to save at Hot Topic. If you’re a geek or tend to love alternative types of clothes or have teenagers who do then you, probably love Hot Topic. However, Hot Topic can be really expensive. Their T-shirts range from $20 to $30 and their specialty clothes can go from $30 to $80 dollars sometimes more.

1) Hot Topic Guest List

Join Hot Topic’s guest list. Get points for each dollar you spend and in turn once you reach a certain amount of points you get $5.

2) Shop during Sales

Hot Topic usually has some kind of sale going on. Try to shop when they have their best sales. Buy one, get one, half off, or sales on their clearance.

3) Always Bring a Coupon

I always have coupons for Hot Topic. They usually come in the mail with their catalog. To get these sign up for the guest list. Sometimes the coupons are limited and they won’t always combine them with sales or Hot Cash. Always ask, it depends on the coupon and the store.

Hot Topic Hot Cash

5) Always shop during Hot Cash

Hot Cash is to spend $30 and get Hot Cash. The Hot Cash is then a coupon for $15 off $30. Most times Hot Topic will have Hot Cash while sales are going on. So that means not only are you saving money with the sale and getting points on your guest list card but you are also getting Hot Cash for later.

6) Spend your Hot Cash

Spend your Hot Cash during sales to maximize your savings. You usually have a limited amount of time to spend your Hot Cash about one to two weeks. Try to shop the during sales or in the clearance to maximize your savings.
7) Shop Clearance

Clearance always has great deals. If you go during their buy one get one for a $1 Clearance it is a great time to find some steals for their dresses and t-shirts. Or their Hot Mess Clearance when all clearance is $3.99!

How to Make Money Using Swagbucks – 11 easy tips to get you started 


One of the best ways I have been earning a bit of extra side money to help with things like gifts or groceries is using Swagbucks. I’ve been hearing a lot of mixed reviews between, I have tried it, and it took too long for me to get any points, so I gave up, or I would like to check it out. So, I wanted to break down the best ways to earn Swagbucks and get gift cards faster.

500 Swagbucks (SB) equal a $5 gift card. You can choose to cash out at $5 or wait and save up your Swagbucks and cash out when you reach higher amounts. Swagbucks has a huge assortment of gift cards available from PayPal to target and Amazon.


1) Download the Swagbucks app and SB TV – This  makes earning your points easy. You can do tasks on the go when you are standing in line waiting for Starbucks. Do your daily poll. Fill out a survey. Watch a couple videos all these tasks are at your fingertips.
2) Download the Swagbucks Toolbar – By downloading the toolbar it makes it easy to use the Swagbucks search engine. It also notifies you when there is a Swag Code available. You can also search and earn surprise Swagbucks.

3) Daily Poll – The daily polls are worth 1 SB. This can be done once a day, which equals to around 30 SB a month.

 

4) Daily Crave – Daily crave is on the Swagbucks main web page. You watch three videos and earn 1 Swagbuck. This can be done again daily, which can equal around 30 SB a month.


5) Daily Offers – Daily offers is another one that is on the Swagbucks webpage. They are special offers that you can either choose to sign up for or skip past. I personally always skip past them. At the end, you get 2 Swagbucks for going through the offers. This can be done daily, which can equal around 30 SB a month.

6) Watch the Featured videos on your phone in SB TV app – You can watch trailers on your phone. Each day you have a different earning limit. Sometimes, I leave my phone on the app on silent and let it play the trailers while I get ready or do chores. You do have to check on it occasionally because it will stop playing them if you haven’t used your phone in awhile.



7) Referrals – Swagbucks has a great referral program. If you refer someone you and your referral get 150 Swagbucks. You continue to get 10% from your referral as they continue to earn their Swagbucks. They also have promotions throughout the year for example throughout February you have a chance to win 300 Swagbucks from signing up through my referral.

http://www.swagbucks.com/refer/Ily17

 8) Shop – Shop online and get Swagbucks back, because who doesn’t love shopping online and getting money back. The amount varies from store to store. There are usually great deals around the holidays.

 

9) Daily Goal – Swagbucks sets daily goals. If you meet your daily goal for that day you get extra Swagbucks.

10) Swag Codes – Swagbucks has Swag codes that you can place in the code area either in the app or on your computer. There are sites you can go to that give you the codes instead of looking everywhere for the Swag code. You can also just get notifications sent to your phone my favorite is Swag Codes Spoiler.

 

11) Surveys – One thing I really don’t like about a lot of the points sites is that you have to fill out tons of surveys to really earn anything and most of the time you don’t ever even qualify for them. Swagbucks gives you 1 SBs for 4 surveys a day that you start and don’t qualify for.

I hope this helps everyone! Swagbucks is a great tool that doesn’t take up a ton of time. Most tasks take a minute or less and can be done on your phone. Give it a try or a second chance.

The Hoarders and the Collectors – Has your collection has made you a hoarder

 

 Most of us tend to have a collection of something. My weakness is, I like to collect a lot of different things that catch my attention. I have a taxidermy collection (I know I’m an odd one), a vintage camera collection, and a watch part collection. So, how do you know that your collections have turned you into a hoarder?  When your collection has become a burden and is neither going to make you happy or generate revenue.

How many of you in the 90’s collected beanie babies, (come on all you Millennials raise your hands) and if they are still sitting in your storage or in your house collecting dust and using up your space, they are becoming a burden.

It depends on your collections and that difference between what makes you happy, and what will make you some income. Take a look around your house. Sometimes, you don’t even realize you have a collection of items until it has started to take over space. Do you have too many newspapers or magazines that you are collecting? If you haven’t used them by now get rid of them. They aren’t worth enough for you to keep. When I was in high school, I had shelves and bins full of magazines. I loved cutting them up and making my walls a canvas for their art. But, as I got older I let the stack grow and grow but I would tell myself I would go through them and make an art project out of them someday. However, it got to the point where my collection was gathering dust and wasn’t profiting anyone. So I buckled down a couple years ago and got rid of all of them. Don’t get me wrong, I love magazines and I still keep a few at a time and still cut them up for art projects, but my collection of them was borderline hoarding. They weren’t being used, so they needed to go.

De-clutter your space if you are being overrun by your collections. When going through your collections make sure to use eBay and other internet sources as a reference guide. Choose what makes you happy, what will be an investment, and get rid of whatever else is sitting collecting dust.

As smart collectors, we want the objects that fill up our space to be worth something. After all, why can’t our belonging be our investments as well? Spend money wisely and do research before you start a collection. Make sure the money you spend will grow in time as your collection gets older, and not lose its value.

What kind of items do you collect? What do you hoard?

What to Bring to a Craft Fair – 16 Essentials Every Seller Should Bring. 

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Craft Fairs and Sellers Markets can be a great way to make a bit of extra side cash as well as get your business out there. Whether, you are selling at a craft fair because you want to bring some extra income from your hobby or you are a business. Check out these 16 essentials every seller should bring to their next craft fair.

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1) Bring All Inventory

There might be that one customer who comes along asking about an item and you have that item but you left it at home or you didn’t bring enough stock with you and ran out. Bring all your inventory so you have no regrets if someone asks you for something.

2) Displays

Table cloths, drapes, products stands. Make your display area different and stand out among the rest. Make your area apart of the craft.

3) Signage

Banners, signs for social media, info about your products, price tags, testimonials. Make sure your company name is in a place where people can see it. Promote yourself and remind people of places that they can follow you on social media sites.

4) Business Cards

Bring plenty of business cards with you because you will need them. Sometimes people will not have the money or the time to really purchase from you so giving them your business card is a great alternative.

5) Mailing List Sign Up Sheet

You will be meeting new customers and what a better way to keep in touch with them then to have them sign up for your newsletter!

6) Cash and Change

Bring change with you. Both cash and change just in case.

7) Credit Payment System

Not everyone will carry cash with them. Make sure you have some form of credit payment system. If you sell on Etsy they have a card reader that they give to sellers and you can easily connect it to your account.

8) Receipt Sales Book

Give customers receipts for cash payments and keep track of what was sold.

9) Fanny Pack or Apron

Having a fanny pack or apron is great. This makes your money easily accessible when you are engaging your customers. Half aprons tend to be my favorite because they can still look really cute with your outfit.

10) Bags or Wrapping Paper for Sales. 

This seems to be one of the main things that merchants forget. Make sure you have something that is just as pretty and presentable for your customers to take their items home in. One of the last craft fairs I went to I actually sold some of the bags I had brought to a merchant because she forgot to bring any.

11) Power Strips and Extension Cords

It’s great to have extra lighting, maybe even having an area to charge your phone. Bring these essential items with with you just in case.

12) Display Emergency Kit.

Murphy’s law, whatever can go bad will. Or whatever can fall apart at the most inconvenient time will. Bring emergency supplies just in case.

13) Pens.                                                              

Bring pens! And bring more than one because you know how they love to randomly disappear!

14) Craft Supplies

Give yourself something to do. Bring supplies to keep yourself busy when traffic is down. This can also open up the option for you to possibly make custom pieces for customers as well.

15) Water and Snacks

Keep yourself hydrated especially if you are outside on a summer day. Bring snacks to keep that upbeat energy going.

16) Extra Clothes

Sometimes you can’t predict the weather. If you are going to be outside, bring extra clothes. That way you can put on extra clothes if it’s too cold or you can change if you dressed too warm on a hot day. One of the last craft fairs I did was at night and one of the coldest nights of the year. Luckily I brought enough clothes to keep warm and even had a couple of blankets in my car which I loaned out to some fellow sellers.

What do you always bring to craft fairs or shows?