Our ethics must stand high even when we are shopping. That is what the motto of today’s consumers as the clothing industry is highly maligned with underpaid workers. People who bear high ethical standard just like the movie celebrity Angelina Jolie would like to stay within the limits of their ethics by following ethical clothing companies. People around the world are now sprinting to make themselves socially responsible citizens and clothing is also an arena where social responsibility lies. Some of the companies have been announced as ethical clothing companies as they don’t violate the human rights like the rest of the counterparts do. People who are interested in dressing up with the attire that is immaculate in color and creation can now look for the list of ethical clothing companies  [...] 

Most of the people have the tendency of being carried away by the present issues and they pay very little heed to future planning. But when it comes to financial issues then every person should consider seriously and develop a system to keep track of regular spending. There are hordes of articles where people are advised about a financial spending plan. But very few informative articles deal with the requirement of identifying the spending habit. This is the reason I selected to write on this topic as I feel most of the people in the society have little knowledge about their own spending habit. Since people have less know-how bout their spending habit, the plans to put their expenses in a proper system becomes flop as they fail to keep pace with it. Most of the people at their youth face a  [...] 

If you are like me, then you will probably love traveling. If you are like me, you will also have been traveling a lot of late for business and pleasure. And again, if you are like me, you will be struggling  find ways to keep yourself preoccupied on flights long and short. On one of these flights I caught myself thinking of how to maximize the travel rewards I would inevitably be getting for being such a good boy. Now, I’m no George Clooney from ‘Up in the air’ (although those privileges do sound nice, I must admit) but who in their right mind doesn’t want to maximize the benefits of their spending? If I’m going to travel across the country for thanksgiving and make several business trips to boot, I might as well get maximum bang for my buck! Here’s one way that’s  [...] 

If you’ve been following personal finance tips religiously right down to the last letter, you will eventually have got to the point where you have accumulated enough knowledge and money for it to be able to improve your life significantly. You’ve worked harder than the busiest worker bee to get to where you are, you’ve scrounged around and spent frugally, even wisely, and your little nest egg is now the size of King Kong and screaming for your attention. But you have a great job earning you giant pots of money and an investment culture that has paid you rich dividends. What next? Life is much, much more than a system of checks and balances. Indeed, often times we forget that as we scrape the bottom of the barrel for that extra bit of money that we so desperately want, the average man  [...] 

What, according to you, is the most essential element of frugal shopping? Slashing purchases? Haggling? Researching the market and finding the shop offering the best deals. Most often it is an outcome of one or more of these reasons, but these are not really all that effective if your purchases are not timed well. If you were to buy an air conditioner when would you actually buy it? Last year, my brother did not realize that he needed an air conditioner till the hottest day of the summer arrived. We went to a showroom with branded air conditioners and bought one at the highest price of the year! Had we foreseen the necessity and bought it in winter we could have saved up a lot of money! Another mistake that we keep making is missing out on sales and discounts offered by the retailers. These  [...] 

In the previous article we learned the importance of ‘Timing’ of shopping. Every product can be bought at a cheaper price if you wait for the appropriate time. We learned about the best time to get the best prices on real estate, house products, and recreational stuffs. Let us now try to get the best deals on automobiles, travel tickets, food and clothing. Auto New Vehicle: Every year during fall, you will notice the launch of new cars in the automobile market. Hence, the month of September is ideal to grab the best deal on last year’s cars. Visit any automobile showroom during the end of September especially on a weekday to get the undistracted attention of the salesperson, who is striving hard to reach the monthly target. Used Vehicle: Most of the used car dealers rise their inventory  [...] 

Consider this case. You go to the nearby mall to purchase a new pair of shoes. You stroll around the place and select the best looking pair. Just after you pay the bill, you learn that you would have earned 30% discount on the same pair if you would have bought it a couple of days later. You curse the shoes, the sales girl, the mall, and particularly, your TIMING. Saving each dollar by earning cash back on your card, preparing a new budget, not eating out, disconnecting your cable, etc. is a good way to accumulate. However, finding the best bargain is crucial. You cannot just buy anything at anytime, especially when you are being frugal. There is a right to purchase everything. There is, however, a big problem. How do you when is the right time to buy the right thing? Here is the list: House  [...] 

Partying, though usually considered synonymous with extravagance, need not necessarily be an event that burns a hole in your pocket. Another myth that many of us have to remove from our minds is that economical partying is devoid of all fun. It is not so. Partying can be great fun even at modest expenditure. A party is more about innovative ideas rather than spending. So exercise your grey cells and get set for a great party at low cost. Here are some ideas that might help you to have a wonderful New Year bash on a budget: Want to go out for a movie? Just wait! I have a better idea! Why don’t you bring in the movie DVD and call in your gang? Your home is a better venue in comparison to the movie theatre when with friends. You don’t have to sit glued to a chair for two hours! Just make  [...] 

Come holidays and almost every store, big or small, has some sale or the other to attract shoppers. The words such as “Sale”, “Discount”, “50 % Off” on a shop window invariably pull you into the shop and make you buy things. Now you should put a stop to this. Holiday sales are always not worth your time and effort. Just check out why: The quoted sale prices are most often ridiculous! Be careful of the wording used to bait customers. What is the difference between selling 1 pack of potato fries for $2.50 and 2 packets for a bargain sale price of $5.00? If you are alert to these subtle tactics, you’ll save yourself a lot of money. If you want to know about more sales tactics visit a good website like This Is Money. The shopping crowd is maddening and sometimes fatal! Most often  [...] 

Still got some shopping left for Thanksgiving? Why don’t you buy electronic goods at really great bargain prices this Black Friday? This is the day on which stores sell electronic items at the cheapest. There’s almost a stampede of people visiting stores selling electronic goods on that day. According to National Retail Federation, about 6 % customers plan to visit stores by midnight while 40 % intend to visit stores by 6 A.M. on early Friday. Even the stores are hyping the demand for the Black Friday goodies by keeping supplies limited and also their time of availability. So where do you stand in the crowd? Do you want to be the one heading towards an electronic store at random and be a part of the stampede or do you want to do some clever shopping and come up with the best of what your  [...]