Tips

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Photo Credit: NY Daily NewsHalloween came and went. Midterms are over. Next on our calendar is when we get to go home for Thanksgiving and YES! you get to eat “real food.”

One topic of conversation at almost every dinner table is the Black Sale Deals. Who’s the “crazy aunt” that is out at 4am or worse, who is the “bad cousin” that skipped dinner to wait outside of Walmart to buy Playstation 4.

We get it. We can get great gifts for awesome prices, and to the college student who works part-time or not at all, a dollar saved is a dollar earned. Below is a list of things to consider before you rush out the door and spend all your money on gifts for “everyone” (including mostly gifts for yourself. Hey you had a tough semester so far, you earned new Ugg boots)

1. Be prepared. This means studying the ads before Black Friday. By now, many of the major retailers have released their Black Friday in-store specials, so check one of the comprehensive Black Friday-focused websites such as bfads.net, blackfriday.info, theblackfriday.com, and gottadeal.com to see whether you’re getting the best deal.

2. Shop online first. In past years, some of the biggest retailers have offered online sales during Black Friday week that have included many of the same items offered as part of their in-store Black Friday events and often combined with low- or no-cost shipping deals. And some retailers will offer online exclusives you couldn’t get even by walking into one of their retail locations.

3. Sign up for e-mail alerts. Many retailers now use e-mail alerts to encourage store loyalty and frequent shopping. Sign up for alerts that will let you know about upcoming promotions and to receive coupons or discounts. Shoppers can also learn if the products they want are stocked and available, or if an item is eligible for a “buy online, pick up at store” option that can save shipping charges.

4. Use social media. Before you decide to buy, visit the Facebook pages and Twitter feeds of your favorite retailers and see if they’re offering any incentives, such as discounts, when you “like” their page or follow them. Also, if you have friends who’ll be shopping on Black Friday for similar items, text, tweet, or post to a social-media site the best deals you encounter, and hopefully they’ll return the favor.

5. Get appy.  Before you head out to the store, make sure your smart phone is charged and loaded with a few key comparison-shopping apps (such as ShopSavvy, ShopKick, and RedLaser) that will let you see special deals and compare prices while you’re in the store. Many include a bar-code scanner that lets you scan and compare prices, plus a QR-code reader that can sometimes get you coupon codes or special deals.
6. Create a budget—and stick to it. Many Black Friday sales, especially doorbuster specials that are typically available in limited quantities, are designed to get you into the store so retailers can try to sell you something more profitable. Decide ahead of time how much you want to spend, and resist impulse buying in the store, especially if you don’t know how good a deal you’re really getting.

7. See if you can get a price-match guarantee, and check store return policies. Often, stores say they’re suspending price-match guarantees during the Black Friday weekend, but you should ask for one anyway. After all, these are supposed to be “the lowest prices of the year!”

And to be safe, check your local chain’s return and exchange policies to make sure that they aren’t different for a Black Friday special. Sometimes, Black Friday sales are final, meaning the item can’t be returned. Other items may have a shortened return or exchange policy, or one where you can get only a store credit and not a refund. Also, make sure the store isn’t charging a restocking fee on a returned item.

8. Check the warranty. If you’re loyal to a certain brand, you may feel you’re aware of its standard product warranty. But even major brands offer special “derivative” models during promotional periods such as Black Friday, and they may alter the terms of their standard warranties for these sets.

9. Buy the item you really want, and avoid pricey accessories. Items designated as “doorbusters” draw us in because of their low prices, but they may not be the best products for your needs. In electronics, for example, this is especially true of bigger-ticket items such as TVs, which you’ll be living with for a number of years. But one of the easiest ways to blow your great deal is to pad the deal with pricey accessories. This is where retailers make their money, so avoid the hard sell. If you know you’ll need an HDMI cable, buy it ahead of time from an online retailer such as monoprice.com or bluejeanscable.com and avoid the temptation entirely.
10. Avoid the old bait-and-switch trick. If you’re really buying only on price, stick to your guns and don’t get pushed toward a more expensive model. Retailers will sometimes advertise a great deal on a certain TV but then denigrate it once you’re in the store, hoping they can push you to a more profitable model.

Thanks to Yahoo Finance for the tips!

As Fall approaches, the leaves start to change, the pumpkin craze returns, and school starts up again! Besides New Years, the week after Labor Day is the biggest “Time to Change.” As we put away the bathing suits till 2014, we fantasize how toned and cut our bodies will be next Memorial Day. “It starts after Labor Day! I will go to the gym everyday. I will eat right. I will get in the best shape of my life.”

While we applaud you for your motivation, we fear that it won’t even last till Halloween, but we are here to help! Why is “NOW” be a great time to start? September is 4-months away from January. The most famous time of the year for New Years Resolutions to get fit. Coming quickly just after weeks of holiday parties which consists of over eating, wintery drinks, and warm treats, it is very difficult to just drop everything; however, September is different!

Think of September as a warm up. As an opportunity to start to make the smallest of changes in your diet and workout schedule. Back to school means more of a schedule. If you start to gradually build your mindset to this healthier standpoint, not only will you dramatically see results, but January will bring a wave of motivation to take it to the next level!

Our Top 10 Small Change – Big Results Photo Credit: Golf Digest

  1. Drink More Water!
  2. Don’t Skip Breakfast. Avoid the High Carbs (Bagels, Pastries, Pop Tarts!)
  3. Adopt a Sleep Pattern. “All Nighters” will cause you to reach for sweets to stay awake.
  4. Be Happy! Unhappiness increases your chance of getting sick by 35 percent
  5. Daycation- Give YOURSELF a break from social media. Relax your mind 30-minutes a day
  6. Happy Hour? If you drink alcohol with diet soda, try switching to regular soda, lemonade or iced tea. Artificial sweeteners pass through your digestive system faster, making you feel more inebriated.
  7. Making a Sandwich- Choose Mustard over Mayo. It has no fat, compared with mayo, which has 11 grams and 99 calories in 1 Tbsp.
  8. Smaller Plate- Substitute a smaller plate for a dinner plate. Your mind’s eye will think you ate more than you did
  9. No Elevators! Take the stairs!
  10. SHOP! Go buy a new pair of running shoes and fitness apparel. You will be more motivated to workout when you see yourself in the new outfits.

Start Today! Rid yourself of “All or Nothing.” If you start to make the small changes each day, you will see results. If you drop all “bad food” and workout for hours 7x a week, you will crash and do more harm than good to your body.