Monthly Archives: November 2014
Do you ever wonder how it is possible when you go to the grocery store for two or three items you end up coming home with a full cart? Well, I’ll tell you how. Grocery stores market to us hard and they know what they are doing! They spend countless dollars trying to reel us in on spur of the moment purchases and they aren’t half bad at it. A great way to test our self-control and discipline is to walk into the grocery store and walk out with only the items we have on our list. Ha! Unlikely, right?
Well, it may not be as unlikely as you thought! All you need is a well thought out plan of attack and a way to prevent you from sporadically purchasing unnecessary items. Follow these 6 steps and maybe you will be able to thwart those marketers.
- Make a list and check it twice! Before I enter a grocery store I always make a list. Now, I cannot say that I don’t deviate sometimes and acquire random items in my cart that shouldn’t be there. BUT, for the most part, the list keeps me on track. When you make your list be sure to check your fridge and pantry so as not to double up on items you may not have known you had. Trust me, I’ve done this plenty of times.
- Listen to your Mother and DON’T shop when you’re hungry! You’ve heard this probably since you were a kid. Make sure your belly is full before attempting to grocery shop. The wise old adage is true. If you are the type to get hungry come prepared. Bring a bottle of water with you and a protein bar! It fends the hunger off and it also saves you from spending extra cash on unneeded and unhealthy treats.
- Keep clear of the end caps! Those items are often displayed prettily, but their price is far from pretty. They lure you in and want to take you and your cash with them! Pretend you have blinders on and keep to your list. You WILL thwart those supermarket ploys!
- Live life on the edge. By the edge I mean the edge of the supermarket. All the junk is typically within the aisles and deeper in the store. All the stuff you and I shouldn’t be eating anyway. You know the stuff I’m referring to, the processed, no good for you, sugar, wheat and high fructose corn syrup items that your grandma would roll over in her grave if she knew existed. Stick with the fresh produce and meats. You can’t go wrong and you will most certainly save money!
- Don’t grab the first item you see if you do venture into the forbidden aisles. Companies pay big bucks to place their products at eye level. Go for the cheaper brands that are toward the bottom of the shelves. They will save you money and I guarantee their taste won’t differ too much. Note: some of the inexpensive brands DO taste differently than the name brand, so this can take some trial and error. Sometimes buying cheaper can really sacrifice the flavor and quality. But that is rare.
- Shop your own pantry and fridge! I have done this many times before a big trip because we didn’t want to come back to spoiled food. It is amazing how much money you save and how much you don’t waste when you do this. Did you know that, according to Businessweek, Americans waste 40% of the food we buy? Often we think we need groceries, but in fact, we just haven’t been creative with the ones we already have on hand! If you’re like me and want to avoid the grocery store like the plague (and save money), then try this method! Get your kids and family involved and come up with something creative for dinner.
I hope these tips help you to avoid the pitfalls of grocery shopping. Perhaps if we employ these tips more frequently we can dumbfound those marketers! Happy shopping!
Dealing with everyday financial transactions can seem complicated and scary. If you are looking to secure a personal loan online you may want a helping hand to expertly assist you through the process so you can get your level of instant finance quickly, easily and with as little complications as possible. For some, a face to face or over the phone relationship is best, while for others a virtual personal loan consultant would be ideal. Whatever your needs, there is a personal NZ loan option for you today; your job is seeing which option matches exactly what you want!
Many online loan options don’t feature any kind of assistance, guidelines or walk throughs. If you’ve never applied for a loan online before, you could be feeling apprehensive about the whole process. Luckily there are some experienced financial operators who offer unsecured loans in NZ with personal loan consultants to help guide you through the process. They can assist you with the following topics:
- Credit Limits: They can help you understand your credit score and history, this will allow you to ascertain the right amount to apply for in your loan application.
- Loan Type and Interest Rate: There are various different types of unsecured loans out there and they all have differing interest rates and repayment periods. An online loan consultant can help you find the right combination to suit your personal financial needs
- Going through the detail: People can often apply and sign up for a loan without reading all the terms of agreement and other contract clauses. A loan consultant will point out the major details and make clear exactly what you are agreeing to.
- Getting you finances in order: Some loan consultants can even play a role in helping to get your current finances in order by helping you to understand how to consolidate your loans. This can ensure you make the right use of the funds from your loan and that you can make the regular repayments.
- Highlighting the true cost: Some loans can have costs that might not be apparent right away. An online loan consultant can help surface those costs so that you know exactly what the true cost of the loan will be.
- Documents: Applying for a loan means you may have to prepare supporting documentation to submit with your application. An online loan consultant can ensure you have all the necessary documents ready before you even apply for the loan so that you don’t have to waste any time.
When looking to take out a personal loan look to choose a financial institution that offers all of the above in a personal loan consultant as well as offering you a personal loan which meets your needs.
Favourable elements of an unsecured loan could include the following:
- A smooth and easy online application process
- A quick decision whether to apply or reject the loan
- Fast distribution of the money if the loan is approved
- Terms and conditions that are flexible
- Easy way to complete the repayments (online, offline etc.)
- A broad spectrum of loan amounts
When you make your decision about which loan in NZ to apply for, the main thing is to ensure you do your research. Look at all the financial institutions that provide the type of loans you are after and carefully see which ones offer the products and services (like an online loan consultant!) that will help make the process smooth and worry free.
Putting your home on the market can bring up any number of issues you wouldn’t even have considered before, no matter the state of the market. Be sure to do your research well ahead of time to make sure you get the best value for your property.
To get you started on your preparation, here are 5 top tips on how to sell your home:
Timing is key
Timing the housing market to the moment when interest rates are low and buyer demand is high may seem like a good idea but if we all had the ability to see precisely when home values are highest, we’d all be millionaires! Instead of focusing solely on market conditions (although they are still very important factors to take note of), keep in mind that the decision to buy or sell a home is an entirely individual one.
To help you decide when to sell, find out recent sale prices of similar homes in your area and consult real estate agents about current market conditions to estimate a listing price and how long it may take for your home to sell.
Determine the value of your home
Before you make a value assessment of your home, walk through your home as a buyer seeing it for the first time might. So yes, you know what you paid for the house, but that doesn’t mean that it’s still worth that amount or that it has increased in value since you bought it. Your house is only worth what the market is willing to pay for, so look at what similar properties in the area is selling for.
Choose an agent or go it alone?
There’s a lot of money at stake, so decide carefully whether you want to work with a realtor or not.
Sure, going without a real estate agent may save you some cash in the short term, but a realtor will be aware of what’s selling around you and at what price, while being able to negotiate smartly. Moreover, the work involved is much more than just sticking a ‘for sale’ out on the lawn, and for some the work involved it’s not worth the savings.
Get your house ready for inspection
The key is to de-personalise, de-clutter and get organised. You want to create an environment that buyers can envision themselves in. Remove any personal items and get rid of excess furniture to make living areas feel more spacious. Organize closets and kitchen cabinets and get rid of any clutter so that everything is in its place and your home looks clean and tidy.
Be sure to fix anything that needs fixing and ensure that your home is show-worthy ahead of time, as you won’t have time for it once your home is listed, and a polished garden or fresh coat of paint can make or break a great sale.
Do your research
Regardless of whether you are working with a realtor or selling your property yourself, make sure to do your research. Be aware of all the legal and financial details involved to make sure that you end up with the best sale outcome. If you do decide to go it alone, make sure you are also well aware of the finer points of closing a legally sound contract, or better yet get some professional assistance to deal with the legal procedures.
Your Address Real Estate is a real estate agency in Browns Plains (Queensland, Australia). They offer service to clients in all aspects of residential and acreage sales and property management.