Financial Wellness @ Work

5 Ways to Save on Christmas Shopping After Black Friday

Now that Black Friday and Cyber Monday have passed, you may think that the good deals are gone as well. Fortunately, this just isn’t the case. While it’s true that steep discounts are to be had on those famous shopping days, plenty of items are still discounted both online and at the mall. They may not be advertised as loudly, but with a little effort, the remaining deals aren’t that hard to find. Read more

6 Ways to Save on Your Thanksgiving Celebrations

Now that Halloween is behind us, it’s time to gear up financially for the holidays right around the corner, the first of which is Thanksgiving. It can be very easy to let costs spiral out of control when planning your Turkey Day feast – but remember, holiday shopping will be here before you know it. Read more

Surviving the Holiday Season

Opening gifts may be fun but opening the credit bills next month won’t be. No one wants to start off the New Year deeper in debt, but too often that’s exactly what happens. Here are some ways to survive the holiday season without turning into the Grinch: Read more

The Day After Black Friday

What is the day after Black Friday called? I have no idea if it actually has a name, but after reading news stories and seeing things all over the internet and on Twitter, I have a few suggestions. “Retail hangover Saturday?” “How much did I spend yesterday” day? “Look at all my new store credit cards” day? I saw a lot of stories, blogs and tweets about people spending money and opening up new credit cards in order to get an extra 10% or 20% off of their purchases. Many of them plan to close the cards immediately upon getting their first bill. But is that a wise move? It might be, but let’s look at the options you have for recently opened credit cards, and how your credit score might be impacted. Read more

How to Enjoy Black Friday without Going into the Red

Black Friday has been a shopping tradition for many years.  I remember when my son, Brian, was a baby and we were visiting my parents, he was rather fussy and was driving my father crazy.  So the day after Thanksgiving, he went into town to purchase a baby swing at Toys R Us ®.  That was 23 years ago and he hasn’t forgotten it!  He thought the baby was fussy, Black Friday shoppers are in a league of their own – they were then and they are now, so he now knows to stay out of the way or stay home.  He did come home with a swing which made the rest of our Thanksgiving holiday weekend much more pleasant. Read more

3 Ways to Save when Holiday Shopping for Kids

There are 46 shopping days left until Christmas, and if you’re anything like me, nothing squashes your holiday spirit faster than being at the mall standing in line to purchase overpriced merchandise on Christmas eve with a thousand other people, and I refuse to get up at 3 AM on black Friday to go out and get the best “deals” when I could be home eating Thanksgiving leftovers with the family.  That said, the Christmas shopping will eventually have to get done, and in tough economic times such as these, we have to come up with ways to shop smarter.  Here are some ideas we at the Ward family have adopted to help make the holidays a time of joy, and not a recipe for financial woe: Read more

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