Tag Archives: money

Get Ahead On Life With These Practical Pieces Of Home Technology

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Spend a day counting up all the different pieces of technology you see and use and you will realise just how much we live in a technological age. A lot of people are concerned about just how much we rely on it – and this can certainly be true when it comes to bringing up children. It’s very important that we spend time in the real world, rather than just on social media or playing video games, as this can rub off on our kids.

But at the same time, there are many amazing pieces of technology that have now been invented to make our lives easier. If you haven’t already invested, you may not be getting the most out of what this constantly developing sector has to offer. Technology that’s cool and helps you out day to day? What’s not to love? Take a look at these tech-forward solutions for any home that can have a real impact on your life.

Smart Home Heating: Hands up who wants to save money on their heating bills? That will be most of us, then. Many people think that the only way to heat their home economically is to layer up and switch off the central heating. But, this isn’t much fun, especially throughout the cold winter months. Thankfully, new technology allows us to keep our homes warm while still saving us money and being kinder to the environment. We are, of course, talking about the best wifi thermostat. These amazing high-tech thermostats can be controlled from your cell phone, allowing you to dictate when your heating comes on and off even when you’re not at home. Many of them also come with motion sensors, so they can determine when you need heat and when they can switch themselves off.

Smart Home technology can be implemented not just for heating but for lighting and security systems as well. This provides homeowners with extra peace of mind and that is priceless. If you are interested in a smart home update, simply enter a search for “professional smart home system installers in Lake Tahoe” (or your local area). This upgrade will modernize your home and help save you money too!

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Forever Freezing!!

Slow cooking: Time is something all of us could do with more of – but it’s so hard to find! Working long hours, trying to have a social life, and looking after children (if you are a parent) all means that when it comes to cooking, most of us would just rather order takeout. But as well as being bad for your health, this can also become quite an expensive habit! Investing in a slow cooker, however, can help to solve this issue. Slow cookers, or crock pots as they are also known as, have quickly become a staple of every savvy chef’s kitchen. Simply put all your ingredients in there in the morning, set to ‘low’ for a few hours and then when you come home you will have a bubbling meal ready to eat straight away.

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Yummmm

Motion Sensor LED Lights: It comes as no secret to most of us that LED lighting is much more economical than regular lighting. They consume far less electricity and are also much safer, due to the fact that they are cooler and more resistant to breakage. If you are already considering installing LED lights in your home, why not go a step further and go for a motion- sensor option? These lights switch on and off when someone enters a room, so you’ll never waste money due to leaving lights on again.

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Knowing What To Do When Things Go Wrong Is Key To Getting Through Disaster

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Knowing What To Do When Things Go Wrong Is Key To Getting Through Disaster

It can sometimes feel as though disaster is waiting around the corner – there are so many things that can go wrong. Don’t let that stop you living life to the fullest, though! The trick to dealing with disaster is knowing what to do when it strikes. Considering what could go wrong and what to do if it happens will allow you to breathe easy. Planning will enable you to know that you can cope, no matter what happens. We’re going to look at a few things that could go wrong and how to deal with them!

Home Disasters: When things go wrong in the home, it can seem like a huge setback. We spend so much time getting our homes perfect, and when things go wrong, it comes as a massive blow. Get to grips with the kinds of problems you could face and how to deal with them. The faster you can get your home back to normal, the quicker you’ll be able to move on.

Plumbing problems are one of the more pressing household issues. Knowing your local plumbers and what their numbers are will save you hassle should anything happen. Plumbers, such as http://www.plumberannandale.com.au, will normally come out on the same day. There’s no need to panic if you know the problem can be fixed straight away. You’ll also have to deal with electrical problems and external damage disasters. Find a number for every eventuality and keep the emergency list in a safe place, just in case you need it one day.

Health Disasters: Our health can go wrong, as well as our homes. Health emergencies are never nice, but finding yourself unprepared will make matters worse. You don’t need a list of emergency numbers here, though it might be worth writing down the number for your doctor’s office. Some medical emergencies aren’t so pressing as to need an ambulance. If there are no appointments at your doctor’s, sites like www.findadoctor.com can help you find an alternative. If the emergency does warrant an ambulance, don’t hesitate to dial 911. Placing your health insurance details somewhere close at hand can save time in an emergency. You don’t want to have to rummage around for them if there’s a health problem taking place!

Financial Loss: Financial loss is yet another emergency many of us have to face through our lives. This can come about for a variety of reasons, but it’s never pleasant. Theft or sudden loss of a job can leave you feeling as though there’s no hope for the future. But the trick when it comes to financial loss is looking to the future. This is the only way to move forward. You can protect yourself from theft by taking security measures and taking out insurance. Getting an insurance payout doesn’t undo the damage, but it will help ease any financial burden caused. If you’ve lost your job, focus on finding another one. It’s also always worth setting money aside so you have a rainy day fund of sorts.

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Personal Debt: Answers You Need To Put Yourself Back In Control

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Personal Debt: Answers You Need To Put Yourself Back In Control

There comes a certain point in human lives when we think that we are in sole possession of the “right” outlook on life. People younger than us haven’t lived as long, haven’t seen what we’ve seen. Those older than us don’t understand how the world has changed and haven’t changed with it. An older person’s attitude to mental health may seem unenlightened to us because we expect them to be more conservative.

What we sometimes don’t grasp is that they do understand mental health issues and know a bit more about avoiding them. Consumer debt totals keep rising pretty much worldwide; certainly in the West, anyway. We’ve become almost comfortable with a “manageable” amount of personal debt. The older you get, the less likely you are to be okay with it, though, and there are signs that the seniors have it right.

Debt Is Linked To Mental Health Issues: If you looked through your accounts and found that you owed more than you thought, but weren’t at risk of default, would you be okay with that? And when I say “okay” I don’t mean “could you push it to the back of your mind for the moment?”. We know it’s there, but it’s inconvenient. So we end up resolving to get it sorted out later. There’s always a later. And though you may think it’s locked up safely in the back of your mind, the door is wide open. Though you may not perceive it, the stress is there.

Why The Seniors May Have It Right: Young adults and those in their thirties and forties have an attitude to debt that has arisen with the greater availability of it. On one hand you always know someone worse off than yourself. On the other hand there is the fact that if you’re managing it now, it’s easy to think a little more won’t hurt.

Here it is useful to think of the boiling frog theory. If you put a frog into boiling water, it will instantly leap out. Of course it will, it’s too hot. But if you put a frog in cold or lukewarm water, and gradually increase the heat, it will stay in there until it is boiled to death*. Debt can be like that – you don’t perceive it as a problem until it quite clearly and damagingly is. Because older people are less conditioned to be okay with debt, they’re less likely to borrow. They’re also more likely to refuse to take on any more debt.

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What Should You Do About It? If you look at your accounts and your debt is above what you earn in a year, consider homeowner loans. These may allow you to consolidate all your debt into a single payment which will be more manageable than all the smaller ones. Having it all in the one place also makes you less likely to overlook a payment and get landed with fees and charges.

Secondly, if you feel swamped by debt payments, speak to someone about it. In the first instance, a parent is the right person to speak to. They can bring a steadier perspective to the issue which will help you see it less as a tidal wave and more as an issue to be overcome. Debt need never be a terminal problem. It can be highly inconvenient. However, if you’ve made the mistake of over-extending your borrowing, don’t compound it by panicking. All this will do is increase the stress you are trying to banish.

*Don’t worry – this has been tested by scientists and it has been established that a frog will jump out if the water gets too hot. People in a certain amount of debt may not be so proactive, though. 🙂

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Suffered A Financial Loss? Here’s How To Deal With The Situation & Get Back On Your Feet

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Suffered A Financial Loss? Here’s How To Deal With The Situation & Get Back On Your Feet

When it comes to your career, you may have made the decision that a lot of people have made and opted to go down the entrepreneurial route. No one said running a business would be easy – it’s a well-known fact that within the first year of launching, half of all new businesses fail. However, when things start to unravel and go wrong, that doesn’t make it any easier to deal with, does it?

If your business has suffered a financial loss, you’re probably not sure what to do next. You’re probably wondering what the next steps that you should take are. When things start to go wrong, the most important thing is not to panic. Because if you panic, you may rush into making a decision that you will later regret. So, it’s important to keep your head and think carefully about what steps to take next.

To help make it easier for you to cope with a financial loss, below are some tips and pieces of advice that you may find useful:

Investigate What Has Caused the Issue: The first step that you take should be to investigate what has caused the issue to occur in the first place. Financial losses don’t just randomly occur; there’s always a reason for them. It could be that you invested in a new product and that product has unfortunately failed to sell, leaving you out of pocket. Or, it could be that your accountant has calculated your taxes wrong and has left you short of funds because of it. If the reason for your financial loss is due to someone else, it might be worth contacting professional negligence solicitors. Whether it was an accident or not, if you’ve been left out of pocket and haven’t been reimbursed, you may have a case.

Learn From Your Mistakes: As a business owner, if you want to be successful, you need to be constantly learning and growing. It’s important to not just take mistakes at face value. If you want to make a success of your venture, you need to learn from your mistakes and ensure that they don’t happen again. By learning from your mistakes, you can up the chances of your business growing into a prosperous and profitable venture in the future.

Try to Find a Way to Keep Your Business Afloat: It’s all well and good saying to learn from your mistakes. But if you don’t know how to keep your business afloat while you recover what you lost, you could end up having to shut down for good. You need to think about your options, could you get a short-term loan perhaps? Or, would you be willing to have an investor who acts as a silent business partner? If you want to ensure that your business stays afloat, you need to find a way to get out of the mess that you’re in.

Hopefully, the tips and advice above should make the process of dealing with a financial loss a little bit easier and less stressful.

Featured Image By: Pixabay

No Horsing Around: Why You Need To Think Seriously Before Buying A Horse

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No Horsing Around: Why You Need To Think Seriously Before Buying A Horse

I feel like every child has a phase where they are just obsessed with horses. I wouldn’t say I was ever completely crazy about them but that changed when I got the opportunity to help kids with developmental disabilities ride horses at a ranch that I live by. Being able to work alongside the children and animals and seeing them connect with each other so much was incredibly beautiful to me. Ever since, horses have been alright in my book and I was lucky enough to go horse back riding in Asheville when I visited in June and September. Such fun!
Do I plan on buying myself a pony in the near future? No. But the people who are should be aware of what they are getting themselves into, like you would do with any pet!

        No Horsing Around: Why You Need To Think Seriously Before Buying A Horse:

The equestrian world is certainly a beautiful thing to be a part of. The lifestyle and sport is one of athleticism, adventure, and competition. But it’s also one that is plenty of hard work and can take up a lot of time. Even as a real horse lover and someone who rides all the time, you still have to think seriously before buying a horse. It can take a long time before you’re on the same lines as any Freddie Vasquez Equestrian reviews. A horse is a long-term investment and a serious commitment. So here are some things to think about before taking the leap.

Time: Owning and looking after a horse requires a lot of time, money, and early starts. Of course, it’s full of enjoyment too, but do remember it is a time-consuming job that requires care every day. Do you have the time to commit to it on top of regular household chores and family, too? If you want some advice on time saving tips in the home, follow the click. They may just help you free up more time to spend at the stables!

Money: Horses are not only expensive to buy but also cost a lot in upkeep. There will be vet bills, especially as horses can develop a lot of different skin diseases, shoeing costs, livery charges, and food and forage to think about. Stabled horses need hay all year round as well as bedding. Horses also require insurance, medications, and new shoes roughly every six weeks. You also need to consider their dentistry bills and a contingency fund for any emergencies that may occur. It’s a pretty big money commitment!

Home: You may be lucky enough to be able to house your horse at home. But most horse owners aren’t. If not, you will have to consider the cost of livery stables or invest in buying an internal stable or mobile field shelter. This will all require a lot of research to find the ideal one. Companies such as Vale Stables are a good place to start if you are looking for a quality equine housing solution.

Testing The Waters: If you are unsure if you have the time to commit to owning a horse a good option may be to lease one out for six months. This will give you an opportunity to see if you are up for the job. You can often get full or partial leases on horses. This arrangement means that you either pay a fixed fee or you pay for some of the expenses that go towards looking after the horse. In exchange for payment, you get free riding time on the horse. If you have a riding school or you work with an instructor ask for their advice. Many stables often have leases available, and she/he may know someone trustworthy and reputable.

Let’s Talk Budget: If you do go ahead with buying a horse, there are still lots of things to consider. First, you will need to know what budget you need. Of course, this will depend on what type of competitive level you want to reach. If you want to own a horse to love and go out on adventures with and perhaps compete in small local events, you should look at a budget of about $5,000. If you want a horse that you can use at higher competitive levels, you should talk to your trainer or instructor to find out what they suggest is an expected price. Temperament is also the most fundamental aspect of buying a horse. Buy one who is well-mannered, kind, calm, and gentle, and you will have a friend for life.

What was your dream pet as a child? What animal did you have an irrational fear of when you were little (my brother was afraid of penguins!)? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

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iPoll Website Review

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iPoll Website Review

Hey everyone and TGIF! One of my ways to make an extra buck is participating on online survey websites. They’re a great way to earn money, gift cards, and various other rewards and deals. I recently just received a twenty-five dollar Amazon gift card from completing surveys on iPoll. Despite one major issue that I had with the website, I’m overall semi pleased with it, so let’s discuss:

The nice thing about iPoll is that they give you five dollars automatically just for signing up for the website. I love when survey sites do that because it gives you a great head start to getting bigger rewards. I also really appreciated the amount of money that completing each survey was worth. Some sites that I’ve used in the past were only paying pocket change for surveys. Not iPoll. Almost every survey on their site was a dollar or more so that made getting to the twenty-five dollar cash out goal a piece of cake.

Unfortunately, the quickness of completing the surveys did not translate at all to the receiving of monies. After you completed a survey, you then had to wait for what you submitted to pend. This could take one to over six weeks which just didn’t fly with me. The biggest pain in the ass was when I was one pending survey away from reaching the twenty-five dollar goal and it took the final survey EIGHT WEEKS to go through. At that point, it was easy to make the assumption that the website was just trying to hold on to the cash for as long as they possibly could before rewarding their participants. Not cool.

It took me sending an email to customer service for the final pending survey to go through but the waiting game was only just beginning. After I chose the Amazon gift card as my reward, I had to wait an additional six weeks to receive it. Frankly, I wasn’t thrilled with that, either. I finally got the email containing my e-gift card last week and now that I have it, I don’t plan on doing any more business with iPoll. I think that it’s a great site if you’re willing to wait around for months to receive your rewards but I’m just not that patient. It’s too bad, too, because up until those issues, iPoll was easily one of the better survey sites that I’ve used. Oh, well!

So there you have it, my iPoll Website Review! Who participates in taking online surveys? Which ones do you like the best? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Beauty Bloggers: HELP! Again.

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Beauty Bloggers: HELP! Again.

Howdy everyone and happy weekend! Once again, I am calling upon all of the fabulous Beauty Bloggers of WordPress for some HELP! I’ve been using The Body Shop’s Vitamin C Skin Boost for as long as I can remember. Although I’ve always found their price of twenty-seven dollars per bottle a little steep, I still shell out the cash when there’s a good sale. However, the price for the Boost is now almost thirty dollars and that doesn’t mesh well with my lifestyle of ballin on a budget.

I’ve been wanting to wean myself off of TBS products for some time now because I truly feel like I can find similar products for a better price elsewhere. Now that one of my favorite items in my daily beauty routine has hiked up in price, I feel like there’s no better time to start browsing the market for a new serum style product. Does anyone who’s familiar with TBS’s Vitamin C Skin Boost have any suggestions on a similar item? I have normal skin and am willing to try anything within reason. Thank you so much! -Sarah

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^^^ Old faithful.

Facebook Buy/Sell Groups

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Facebook Buy/Sell Groups

Hey everyone and happy Thursday! So I don’t know about you guys but I can’t stand clutter. Once I don’t find use out of anything from clothing to perfume to old childhood toys and jewelry, I want them gone. But here’s the catch – I’d love to make some moolah off of these unneeded items, too! I recently became introduced to the Buy/Sell Groups on Facebook and they’ve been working brilliantly for me so far, so let’s discuss:

I’ve used and am still using the virtual garage sale app, LetGo, but I’ve found that items on there take forever to sell. Don’t get me wrong, it is a very handy little app and I don’t plan on deleting it any time soon because I do make sales on there…I just want something that’s a little more fast paced. I saw a girl on my Facebook newsfeed post about using the Buy/Sell Groups and how quickly she has sold her unused belongings on there so I figured that I would give it a go. All I did was search the Buy/Sell Groups on Facebook based on my area and then I requested access to the group.

By the next day, I was accepted to the groups and was eager to post some of my unwanted treasures for sale. I spent some time uploading pictures and descriptions of my items and before I knew it, my posts were up. Within minutes I had likes on the posts, comments requesting more information on items, and offers to make a purchase. In five days of my posts being up and running, I had made fifty dollars. Thanks to one lovely woman, I finally sold some of my unused perfume and another lady bought a Victoria’s Secret umbrella that I got for free with a purchase and have never used once.

Between my use of Letgo and the Facebook Buy/Sell Groups, I’ve made over one hundred and fifty extra bucks by getting rid of my unused items. I’ve been so pleased with my discovery of these handy tools because other than having a garage sale, I don’t know any other way to get rid of my unwanted but still somewhat valuable items. These virtual yard sales have also been my much preferred alternative to selling clothes at Plato’s Closet. I love it because I get to make the price as opposed to blindly accepting whatever they offer for the clothes they selected. Therefore, more money for me!

The Facebook Buy/Sell Groups really are the epitome of the phrase “one man’s trash is another man’s treasure” and I would absolutely recommend them if you’re itching to get rid of some clutter! I’m looking forward to clearing out my hoard of unwanted items even more and making a few extra bucks, to boot! What is your way of saying bye-bye to your unneeded belongings? If you use the Facebook Buy/Sell Groups, how would you rate your experience? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Monday Update: Holiday Haul Edition

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Monday Update: Holiday Haul Edition

Hello everyone and happy Monday! Welcome to this week’s Update: Holiday Haul Edition! Lil Red made out like a bandit this Christmas and it’s still not over! I still have presents to receive from my sister and my best friend later this week. But so far, the loot has been fantastic. I feel so spoiled because I’ve never had a boyfriend during the holiday season and Kyle and his mom were nice enough to give me some amazing presents. Take a look at what I received on Christmas according to each person:

My parents:

I am SO in love with the gorgeous coat that my mom and dad got me. I’ve been eyeing this jacket from Target for over two months now and I’m so happy that it’s finally mine! My mom got it for me the day after I tried it on in front of her in October and has been hiding it for my surprise ever since. What a lady! I also received a generous donation to the Lil Red Foundation as well as a fresh supply of my favorite beauty products from The Body Shop and Trader Joe’s. Thanks, mom and dad!

My brother and sister-in-law:

From Peter and Megan I received my first Adult Coloring Book, complete with colored pencils and a sharpener. My sister and I have been interested in these for a while so I’m so excited to unleash my inner child and crack open the coloring book with her. I also got a Groupon for two free admissions to a Paint Nite. In Ohio, there are certain bars that offer a night of drinking and canvas painting and I’ve heard that they’re so much fun! It will be the perfect date night for me and Kyle!

The most special gift I got this Christmas, however, was the rosary that Peter and Megan brought home for me from their honeymoon in Italy. It’s my favorite color and it is also blessed by Pope Francis from when they had the honor of meeting him. How cool is that?!

My other brother:

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From my second oldest brother, Andrew, I received another generous donation to the Lil Red Foundation. You can’t go wrong with cold hard cash!

My boyfriend:

My darling Kyle spoiled me rotten this year with some of the most fantastic gifts ever!! He gave me an entire family of stuffed animals from Despicable Me – one of our favorite movies. I also got a stuffed Moogle from Final Fantasy, which I’m pretty stoked about! To continue with the Minion theme, Kyle got me the most comfy pair of Minion patterned fleece pajama pants, which were unfortunately in the washing machine while I was taking my haul photos! Rest assured, they’re cute. 🙂

Kyle did a wonderful job of picking me out some beautiful accessories as well. I was so surprised when I opened the boxes of gorgeous jewelry, which included two stunning bracelets and a necklace. Kyle also knocked it out of the park with a burgundy and grey infinity scarf (Which I’m wearing right now!) and burgundy and black trimmed gloves. I can’t wait to wear my new scarf with all of my favorite sweaters and pair my gloves with my new coat from my parents! Thanks, babe – I love you! ❤

My boyfriend’s mom:

I was so humbled by the lovely gifts that my boyfriend’s mom treated me to. She got me the absolute cutest ornament for my tree of a little penguin ice skating. I made sure to put it right by my human skater, which I got at a figure skating competition in New York. Mrs. Kyle’s Mom also gifted me with some luscious bath and body products from Philosophy. I’ve never used their products before but have always wanted to so I was SO excited to try both of them out! Spoiler alert: They’re amazing and they smell heavenly!

As much as I enjoyed receiving all of these beautiful presents, I enjoyed giving everyone the gifts I picked out special for them even more! I am so thankful for all of the goodies that I was gifted with but would have been just fine with only having the quality time with my family and loved ones. My Christmas this year was one of the best ever and I can’t wait to continue the celebrations this week with my sister and darling best friend!

So there you have it, this week’s Monday Update: Holiday Haul Edition! How was everyone’s holiday? What was your favorite gift that you received or gave? I wanna hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

All Done Christmas Shopping!

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All Done Christmas Shopping!

Hey everyone and happy Tuesday! This past weekend I was SO happy to finally finish my Christmas shopping! I got a vast majority of my shopping done at Kohl’s, TJMaxx, and some local shops in downtown Kent. But this weekend, I broke out the big guns and let Amazon take care of the rest. I ended up saving a lot of precious time and moolah this year thanks to smart shopping and all I can say is…I’m glad it’s over. Let’s discuss:

I was really pleased with all of the items that I bought in person and because I had lots of great coupons and gift cards, I was able to save a lot of money, too! But after spreading the wealth in stores, I knew that there were things that would just be simply easier to buy online. That’s when Amazon and a beautiful gift card that my mom got from work came in.

I affectionately call myself the “Queen of the Amazon” because I really am. Give me an hour on that site and I’ll have a shopping cart full of the perfect gifts for everyone on my list. I spent some time writing out ideas of what to get everyone who I still needed to shop for and then I logged on to Amazon to browse what might work for each of them.

When I’m doing a big online shopping haul, I have a tried and true technique that I return to year after year:

  • Step 1) Make a handwritten list of gift ideas.
  • Step 2) Browse the ideas on Amazon and bookmark anything that might work.
  • Step 3) Mull it over.
  • Step 4) Return to the site a few days later to make your final decisions.

I bookmarked so many items on Amazon that I lost count and ended up forgetting a lot of the things that I had saved. But that’s the beauty of expanding your options far and wide. Because I picked out so many possibilities, there were only a chosen few items that I really remembered and those were the ones that I ended up going with each time. I’m all about picking items that are memorable, useful, and relevant to the person that I’m shopping for.

After I had time to think of each gift, I returned to Amazon one last time to make my final decisions. This is when I start the nitpicking. I look for the best price on the product, an item that will ship for free, and the one with the best reviews and ratings. My rating rule of thumb is that if it has less than four stars overall, then I don’t even consider it.

Once I’m 150% sure that I have the perfect gift for the best price, I add the item to the cart and repeat the process for the next product. Thanks to this ballin on a budget method, I ended up spending under one hundred dollars for SEVEN items and still had cash to spare on the gift card! Nice!

Thanks to smart shopping, coupons, gift cards, and having a keen eye for the best deal, I ended up spending a grand total of…Eighty dollars of my own money for multiple gifts for seven people! Not bad, not bad at all!

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I can’t say what I got for everyone because you never know who’s tuning in to lifewithlilred! BUT, I know for a fact that my dad doesn’t read my blog so I can say that I’m pretty excited for what I got him! My dad loves to travel and plans fantastic vacations so one of the gifts that I got him will definitely come in handy…A brand new atlas for 2016, which will be a vast improvement of his torn and used 2005 atlas that has never been updated. I think that after eleven years an upgrade was much needed! 🙂

I’m All Done Christmas Shopping and I couldn’t be happier! Now it’s time to sit back and relax until it’s time to start wrapping all of the presents up! Who is all done with their holiday shopping? Where do you usually do all of your shopping at? I wanna hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah