How Does The Car You Drive Impact Your Auto Insurance Rates?

Finding the best auto insurance rates isn’t always easy.  In fact, there are many factors that can affect your premiums. From how often and how far you drive to where you live and what your driving record is, car insurance premiums are highly variable from person to person.

One factor that can influence your car insurance rates is the kind of car that you are driving.  Before you even decide on which car to buy in the first place, you might want to do a little research ahead of time to see what your favorite car might cost you in terms of auto insurance premiums.

Here are a few examples of how what kind of car you drive impacts your auto insurance rates:

  • Year

How old is the car you want to insure? Sometimes, insurance companies will give you a “new vehicle” discount on a new model. If you have a very old car, you probably will still end up with a lower rate simply because insurers will assume you don’t plan on repairing the car if it gets totaled, since the cost to repair the car would be more than it’s worth.

  • Make & Model

Who made the car may tell an insurer a little bit about value.  Is it a reliable manufacturer with inexpensive and easy to come by parts? Or, does the manufacturer have a record of less reliable vehicles, or are the parts and labor typically pricey for this kind of vehicle?

Additionally, the model of the car can also impact your premiums.  Is it a sportier model with a big engine?  Bigger engines and faster cars are linked to an increased risk in crashes due to reckless driving, so if you try to insure a car with these features, your premiums may be higher to account for this statistic. If you’re trying to insure a family sedan, the insurance company may assume you drive more cautiously and keep your rates down.

Insurance companies also take into consideration crash test ratings, reliability ratings, and other driver/passenger protection features on the vehicle. If you are trying to insure a car that’s highly rated in various driver/passenger protection features, you’re going to end up with lower premiums than if you try to insure a car with lower driver/passenger protection ratings.

  • Safety Features

Does your car have airbags or a car alarm?  Car insurance companies like to see these types of features which can result in lower premiums if you select the right coverage.

  • Price of the car

What you paid for the car can also impact your car insurance premiums. It’s a simple matter of math in this case:  the more expensive your car, the more expensive your premiums. Why? Well, the more expensive your car is, the more expensive parts and labor repair costs will be on the vehicle.

While these are just some of the ways the type of car you drive impacts your car insurance rates, there may be other factors that your insurance company takes into consideration. While it’s unlikely you will go out and buy a new car just to get lower premiums, knowing this information before you buy next time could save you a bundle on your car insurance.  In the meantime, if you’re looking to lower your auto insurance premiums on your current vehicle, don’t hesitate to shop around for the best deal for you.

Getting Ready for Your Children Leaving Home

If you’ve spent the last 15-20 years raising your children, empty nest syndrome is a real fear. When they grow up and leave home it’s a real endorsement of your parenting skills: it proves you’ve adequately prepared your brood for life in the real world, but it leaves you with a suddenly huge amount of time to fill every day, and if your goals have all been set around family, this is a real problem.

Today we’re looking at ways to prepare for this new phase of your life, when you’re suddenly back in the drivers seat and get to decide where to go.

Contact

It’s important to start establishing a new routine. What does family time look like for you now?

You’re going to want to check up on your children regularly, but doing it too often or too intrusively will simply drive them away. It’s best to talk about it openly: find times that are convenient, and schedule catch ups that are agreeable to all parties, whether that’s a phone call a couple of times a week, or a long lunch once a month.

New Projects

You need to find something valuable to concentrate on, especially in the early days. As the weeks and months pass you’ll be more comfortable with the absence of your children and your feelings of loss will diminish. But in the immediate aftermath of this major life change you need to be proactive in giving yourself a distraction.

If you’re interested in practising a skill – maybe one you haven’t had the chance to exercise since the birth of your children – start your search at your local community college, library or arts centre. If they don’t host a relevant class, they’ll be able to point you in the right direction for painting, french or Improvised Comedy, as you prefer!

If you prefer home improvements, this can be a great use of your time, that you can see results from very quickly. Clearing your newly spare room and turning it into a study, a home gym or even simply a well decorated guestroom can be a project you can pour plenty of time into and show off proudly. If you’re looking for storage in London to stow away furniture and create a blank canvas, you’ll find plenty of options to help you out.

What is HRD?

Human Resources is one of the most undervalued teams in many start-ups. They arrive after the other initial wave of talent, who get used to working together, making their own rules and being flexible in order to give their passion to this business. HR is established later, as more staff join, and can look like an impediment, with a focus on procedures and compliance rather than simply getting on with running the business.

This is an extremely short sighted point of view, and if you don’t value and work with your HR team you’ll find yourself shedding staff, with the ones that are left fragmenting off into insular groups and not working together to do the best for the business.

One of the most important functions of a Human Resources team is HRD (Human Resource Development) and today we’re going to take a look at why it’s important for your company, so hopefully you can begin to see the value in your HR Team.

Development

HRD is a programme of development for your employees. Making the most of the ‘human resources’ in your company is just good sense. You wouldn’t assign computers randomly, and without reference to the needs of the teams using them, so you should take just as much care with the actual people in your employ.

The first step in an employee development programme is to actually recognise the skills you have in your workforce. Regular appraisals allow both employees and their managers to rate their performance in different areas, and as well allowing them to improve in basic ways (like punctuality and efficiency), it identifies ways for them to develop their skills and grow their career.

This could be seeking some management experience, developing technical skills with the tools your business uses, or even looking to work with another department. Either way, it’s important to identify targets the employee can sensibly attain.

A good development programme doesn’t just get you better staff – though that’s an important aspect of it. It also helps you retain the staff you have, and use the experience they’ve gained in your company. This is the sort of invisible experience that it takes new hires a long time to acquire and work at full efficiency: how best to use your systems, who to talk to when they need to get things done, the right way to approach a tricky team member.

Employees who don’t see a future at your company are liable to quit, and a good HRD programme means they can always see a future at your company.

Appliances That Are Worth Fixing

In an age when everything seems so disposable, it’s easy to get into the mindset of “it’s broken, just throw it out.” Though this might be the case for shattered glass or a plate, there are many things that are still worth fixing. We often think that the cost of repairing appliances or objects outweigh that of replacing it, however that’s not always true. Sometimes it’s more cost-efficient, not to mention environmentally sustainable, to take your item in for repairs rather than throwing it in a landfill. By the same token, sometimes it just doesn’t make sense.

If you are battling with broken appliances, these are ones that are usually worth calling a technician for:

  1. BBQ

You have tried cleaning it, you have replaced the propane tank, yet there’s still something off about your barbeque. Instead of just giving up on it and either putting up with unevenly cooked meals or replacing it, have a technician take a look at it. Barbeques are expensive appliances, and when properly maintained and looked after, can last many years. If you know that your barbeque has “good bones” and is made of good quality materials, don’t give up on it- just repair it!

  1. Built in Ovens

Many new kitchen designs are integrating built in ovens as they are both functional and aesthetically pleasing. However, the issue is that once it is broken, it is difficult to replace it so that it seamlessly fits into the current design. It’s definitely worth exploring the option of fixing the one that you have now, especially since the cost of removing the current oven and installing a new one is likely more than what it would cost for you to fix the one you have.

  1. Washing Machines

Though washing machines can seem complicated because they have both electrical and plumbing components, there are very basic issues that commonly occur and which a trained technician can fix without too much time or effort. Front loaders often suffer from an off-axis drum or issues around the drum seal, while top loaders often have issues with their lid switches. Since these are easy to diagnose, it won’t take a skilled technician long to find the problem and repair it, therefore saving you the cost of replacing it.

  1. Refrigerator

A broken fridge is a big problem, especially when it is full of food that will spoil if not kept cold. Keep appliance repair technicians who serve Montreal area for your home appliance repair on speed dial because it’s often a quick fix that can completely solve your problem. Instead of paying the big bucks to replace your refrigerator, these minor repairs are affordable and can prolong the life of your refrigerator by many years. Even if you do decide to replace your current one for something a little newer or more convenient, it could be worth it to still fix your old refrigerator to use as overflow during the holidays or big family events.

Fixing a toaster or a kettle might not always be worth the time and money that goes into repairing it, however, fixing bigger appliances can save you money and hassle. Remember that these are general guidelines and not rules, and you need to be cognisant of the fact that everything has a lifespan and even items built of the highest quality will one day be past the point of no-repair.

Find a local repair technician that you can trust to do his or her best in repairing your broken appliances. This relationship might end up being one of your most treasured one, at least most valuable when it comes to money saved!

Am I Leaving on a Jet Plane?

I am a frequent flyer that travels at least once a month. Just like everyone else, if I make plans to be somewhere, I make sure I am there. This is why I dread being at the mercy of the airline. I can be there ready for my flight an hour early, in line getting ready to walk onto the plane, or I could even be in my seat on the actual airplane, when I hear that sickening announcement. “Ladies and gentlemen, I am sorry to inform you that there will be a delay for our flight today.”

Half the time I am not even sure why the flight is being delayed. It is obvious when it is weather related. But when it is not due to the weather, doesn’t that mean that it is the fault of the airline? Unless there is a creature out there on the wing pulling up panels like on the Twilight Zone, the airline should be providing some compensation for the amount of time being wasted on my schedule. A simple muffled apology over the loudspeaker is just not good enough.

There is something the airlines do not want you to know. The hidden truth is that if your flight has been cancelled by the airline, then you may be able to claim flight cancellation compensation. Again, the less people that know about this, the better it is for the airline. They are not going to provide this information to you when your flight gets cancelled. They may even try to fight your claim for a bit, but they know they need to offer compensation in certain circumstances.

In the case of a flight heading to Canada from Europe is cancelled, the airline must comply with the regulations in effect in these places. Not only do you receive money back from your cancelled flight, but you may also receive up to $900 because of the intrusion on your own personal schedule.

With flights going from place to place in only Canada, it can be a bit complicated though. Passengers are often offered a meal voucher and a night at a hotel as compensation. If they do not offer that, be sure to ask for it. If the airline does not honor your request, ask for a supervisor to talk to instead. Many of these cases are handled on a person-by-person basis. If you do not hold steady on your request, they may brush you off to the side.

Airlines from the European Union can be asked to compensate passengers when their flights are cancelled due to the airline’s incompetence. In fact, the law states that a written document outlining compensation amounts be handed out to travellers when their flight gets cancelled. Have you ever been handed out such a document? Me neither. However, that is the law that they are supposed to follow.

According to the law from 2009, the United States airlines are supposed to compensate passengers when their international flights have been cancelled. Again, it is the law. And they, too, are supposed to hand out written explanation of compensation to the passengers affected.

Once your flight has been cancelled, approach the staff and ask for the compensation available to you by law. Do not be shocked if they act like they do not owe you anything. Airline employees are often like that, regardless if you are asking for compensation or not. For passengers who encounter difficulties navigating the administrative procedures, there are companies that you can contact online that will take over your battle and deal with the airline. It’s a shame that the airlines do not honor these laws in the first place. Do not feel bad when holding them accountable when they cancel your flight.

What Is a Roth IRA and How Can It Help You Save?

Planning for retirement is a boring, adult-style subject. There is not a lot of excitement in talking about compound interest, long-term financial planning and investing for your future. Most youngsters would rather talk about SnapChat and other social media platforms.

But to ignore the subject in your 20s and 30s is a bad idea. What you need to do is learn as much as possible about a Roth IRA and other avenues for retirement savings. A Roth IRA is one of the best and most-used retirement investment vehicles out there. One of the reasons that it is so popular is that it is generally not taxed at any stage of its development.

A Roth IRA can be a retirement account for just one individual that contains holdings in securities, sometimes common stocks and bonds, but mostly in mutual funds. It can also be an annuity, which is purchased from a life insurance company.

Contributions to a Roth IRA are not tax deductible, which is very different from a traditional IRA. Withdrawals are tax free, under certain conditions. If you are over 59 and a half and you have had the account for at least 5 years,  you are free to take out the money without penalty. The contributions are made to a Roth IRA from your after-tax dollars, which is why you get the tax-free holiday later in life, when you withdraw.

Roth IRAs are used by companies as benefit carrots to attract and retain top talent. They take the burden off companies from offering pensions or other defined benefit retirement plans and allow the employee greater control over their savings.

Who is eligible? Basically anyone under 59 and half and earns less than $118,000 per year. Married couples with a combined income less than $186,000 per year can contribute the maximum amount.

The Roth IRA is a great retirement plan for lower-earning employees that start contributing early in their career and do not miss the income from their check as they get older. They are used to their salary level. And they get to benefit from years of investment and compound interest.

One of the best aspects of a Roth IRA is that transactions within it, like capital gains, dividend splits and interest income, are not eligible to be taxed. That income is all yours. Also, you can take some money out of your Roth IRA to pay for a principal residence, provided you meet certain conditions, like not having owned a home for the past 24 months. Assets from a Roth IRA can be passed on to descendants and heirs.

One of the big disadvantages of a Roth IRA is that you cannot use the principal as collateral for a loan. So as a traditional asset, that aspect is not so helpful. And double taxation may happen at some point, if you are gaining income from foreign dividends or if you are a Canadian with a U.S. based Roth IRA.

And you have a cap on your yearly contributions to a Roth IRA, up to $6,600 at the top level.

But, all in all, a Roth IRA is a great retirement investment vehicle for young people and even mid-career employees. The tax benefits are there and so is the potential for years of compound interest to work its magic.

Kia Optima – Why You Want the 2017 Model

Every year, people look forward to releases of the newest car models. What changes have been made to the exterior? Any new accessories? What are the differences between the old and latest models? Have better features been incorporated into the designs and functions of the vehicle?

As the world advances, society wants to see their ride reflect our newest technological achievements. High expectations are poured into flashy new cars, and every model competes to meet the challenge. Recently, the 2017 Kia Optima was released, and it hit the road ready to leave the competition in the dust. Do you own one? If not, here’s why you should!

Top-Notch Safety Features

Since 2015, there has been a 14% increase in car accident fatalities, making the rising rate the largest in more than 50 years. This makes safety a top priority when selecting your next potential car. The latest model of the Kia Optima has you covered with top-notch safety features like:

  • Rear child-safety door locks – Keep the kiddos safe by preventing them from opening the door while the car is moving.
  • Lower anchors and tethers for children (LATCH) – Feel confident that LATCH will promote easy, quick, and secure installation of universal child seats.
  • Internal emergency trunk release – Should you ever find yourself in a dangerous situation and not be able to exit the car via standard methods (i.e. doors and windows), the trunk can be opened from the inside.
  • Vehicle stability management (VSM) – Regain lost control with stabilizing features of the VSM to support capability of steering control.
  • Driver’s side knee airbag – Reduce possible injuries sustained by collisions when using an additional level of safety that’s coupled with seat belts.
  • Anti-lock braking system (ABS) – The car will detect possible skidding with electronic sensors which will activate brake force modulation for reducing skidding, allowing you to maintain control.

And, that’s not even all of the safety features! You can have peace of mind in knowing the 2017 Kia Optima is ready to protect your family.

Packed with Modern Technology Convenience

Our evolving world requires modern technology, and this model does not fall short in providing advanced convenience:

  • Forward Collision Warning System (FCWS) alerts you of possible objects ahead of you that could potentially cause an impact, allowing you to slow down before the predicted collision.
  • Advanced Smart Cruise Control (ASCC) automatically slows or accelerates the car for you based on changing road conditions, while always maintaining a safe distance.
  • Surround View Monitor (SVM) offers a bird’s-eye view for moving in and out of tight spaces.
  • Stay in control of how you drive on the road with other smart features like:
    • Blind-spot detection
    • Autonomous emergency braking
    • Rear cross traffic alert 

Luxurious Amenities

When you pay good money for a new car, you want it to come with all the bells and whistles that you can enjoy. The new Optima will definitely give you something to brag about! Just a few amenities include:

  • Heated and ventilated seats
  • Touch-screen display
  • Push button start
  • Chrome finish
  • Locking fuel-filter door
  • Rear-view mirror that auto dims
  • Trunk mats and carpeted flooring
  • Bluetooth wireless capability
  • Heated outside mirrors
  • Rear camera
  • Panoramic sunroof
  • Remote keyless entry
  • Integrated memory system (IMS) for the driver’s seat
  • Voice-command navigation system

Even with this long list, there are still more amenities you may be offered. These are huge incentives to trade your old car in for a new 2017 Kia Optima.

Interior and Exterior Brilliance

The Kia Optima’s interior is designed to provide an amazing driving experience before you even hit the road. The cabin is spacious, and it features different amenities that make driving fun and easy. Your ride will be even quieter thanks to these elements:

  • Enhanced body stiffness
  • Improved cabin-sound insulation
  • Sound-absorbing windows
  • Re-contoured mirrors

Bold, chic, comfortable—you will love the feeling of this new car! Likewise, the exterior also offers some things to appreciate:

  • Sleek headlights that are available in LED
  • Tiger nose grill
  • Aerodynamically sculpted
  • High beam assistant
  • Modern design
  • Dynamic bending light (DBL)

This eye-catching car will turn heads when you drive by.

Browse Your Local Kia Dealership for More Information

Don’t get caught driving down the road in a car model from ten years ago. Trade it in for a brand-new, eye-catching vehicle that will make heads turn as you cruise through town. The 2017 Kia Optima is just the car you are looking for. From impressive safety features to stylish comforts, you will love your new ride!

What to Look for in Your Car Mechanic

Finding a good, trust-worthy car mechanic is like looking for a needle in a haystack these days. Unless you grew up with a friend who now has his or her own garage, you are left at the mercy of anyone with an auto mechanic license. This person not only diagnoses the problem and fixes it, but also is the one who writes the invoice, meaning that he has full control of not just your vehicle, but your wallet as well. A bad mechanic can either not take the time to properly find the issue and jump to expensive conclusions, or even switch things out that weren’t necessarily broken, just so that he can charge you for it. But enough of the horror stories, we’re all scared as it is.

What this means is that it’s time to find that one in a million mechanic. (And treasure him when you do)!

  1. Ask for Referrals

Your network of friends and acquaintances is a good place to start. They are sure to have their fill of terrible experiences, but maybe someone will let you in on a secret source of great auto service. Just remember, if it’s a secret, it’s a secret, you gave your word! When you meet the mechanic for the first time, remember to mention that you were referred to his garage by a friend. Who knows? You might get even better service as now he has a reputation to uphold while your friend might score a discount in the future. It’s a nice little thank you for the tip!

  1. Check out their Garage

Though garages don’t quite hold the same sanitary or aesthetic standards as a salon, there is a lot that the state of a workshop can say about its master. Is all the equipment stored in an organized fashion? Are there clipboards with paperwork being filled out on the go? Are all those working wearing the proper safety equipment needed for the job? If you feel unconfident judging this on your own, ask a more experienced friend to come along with you.

  1. Look for Certificates

Car have been evolving since they have been invented, with newer and better models coming out every year. So if the car industry is introducing new technology like hybrid electric vehicles, wouldn’t you think that mechanics should be constantly learning new things as well? If you don’t see evident proof of continuing education, ask about it directly. Inquire about new tools of the trade and whether they are being employed here, how often staff is trained, and what’s their source of the most current information regarding their industry. Just like you won’t choose a dental clinic which uses plain plier to yank out teeth, but instead choose a dental clinic that invests a lot of time to learn new dental skills, you shouldn’t pick a mechanic that uses old technology. Though the pain of an old-fashioned dentist might be different than that of an old-fashioned mechanic, both have health and safety concerns that need to be addressed.

  1. Good Communication

Once you think you have found “the one”, it’s time to see whether or not you were right. Testing communications skills is the last step before being able to gloat about how amazing your mechanic is. When you leave your car for a fix, see how well the mechanic communicates throughout the process. Does he call you once the problem is diagnosed with options for you to decide one? Does he call to let you know when it has been resolved and ready for pick up? How close was it to the estimated time he gave you initially? Once you arrive, does he go over the invoice with you, explaining all the costs? If so, you are truly blessed, because it looks like your mechanic is one of the good ones.

Being a good mechanic is about more than just being able to replace the brakes in a car. He should be valued by his current customers, have a well-kept garage, be constantly looking out for the newest and greatest new things, and communicate well with his team and clients. Once you have tracked down a good mechanic in your area, be sure to treat him or her right- it’s worth it!

5 Things you Should be Maintaining Weekly

If you feel overwhelmed by your daily to-do list and can’t imagine where you could fit in “regular maintenance”, you’re not alone. So many people feel like they are falling behind on things that should get done, often sacrificing it for things that have to get done. However, if we make a commitment and get into the habit of making time once a week to maintain regular, everyday things, then that ends up on the “has to” list and will finally get done. These are some basic tasks that you should be tacking onto your weekly “to-do’s”

  1. Your Car

It’s easy to fall into the mindset that if you change your car’s oil when the sticker tell you to, you’re better than fine. The truth is that a car runs on more than fuel and oil, and it will need proper maintenance to service you properly for years to come. Though no one has time to do a full check up on a weekly basis, it’s a good idea to at least check your tires’ pressure weekly, along with an exterior body check. Take a few minutes to give your car a once over, checking for any scratches and dents that could have occurred over the last week, cracks in mirrors or windows, and signs of paint chipping or rust. These are things that should be dealt with, or at least recorded, as soon as possible. Every few weeks, check your fluid levels, the functioning of all your lights, and the battery. To keep your car looking fresh and new, vacuum the inside, wash the outside, and rinse your rubber mats. This way, your car will retain good resale value, as it will look newer and in good shape, no matter the age.

  1. Your Bicycle

More and more people are beginning to use their bicycles to get to work and run errands, especially in urban areas. Some of these people think that because it’s not a car, their bicycle requires no maintenance. And though it definitely has fewer things that can go wrong, a bike still needs to be properly and regularly maintained, especially when it is used often. On a weekly basis, it’s important to check the pressure of your tires. Having fully inflated tires means that you will have an easier time getting around as you’ll be putting in less effort and moving faster. Isn’t that great? Another simple thing you can do, even if you are not mechanically inclined, is to keep all the bicycle’s moving parts clean. Use an old t-shirt or a soft rag to remove any dust or small particles which could be trapped in the chain or gears. Then get a few drops of WD-40 or any cleaner on your rag to remove any rust and resistant dirt which might still be on there. To top it off, spray some rust resistant products to keep the chain from being affected by water, and then lubricate as necessary. The cleaner the bike, the smoother your ride.

  1. Filters Around the House

Some of us don’t know (or pretend not to) that there are several different kinds of filters in a home, all of which need to be replaced at one point or another. Depending on the type, these filters need to be replaced monthly, quarterly, annually, or every few years. However, most of us don’t even check up on, not to mention fail to replace, filters in the kitchen hood, the HVAC, the water tap, or around the drains in our bathrooms. Make a list of filters which need checking, cleaning, or replacing, and make a point of addressing at least one filter a week. It will make for a cleaner and healthier home.

  1. Dishwasher and Laundry Machine

Home appliances all have different roles in our lives and require different maintenance to keep in top shape. However, some require weekly attention in order to do their job properly. Any appliance which is supposed to clean something, like the dishwasher or the laundry machine, should be clean itself. Far too many people make this an annual occurrence, but frequently cleaning out your washing appliances is not just good hygiene, it’s common sense. Once you empty the dishwasher drain from any gunk you may fund, run an empty dishwasher cycle with some baking soda and a cup of vinegar to get all your racks and dishwasher walls nice and clean. With your laundry machine, also apply a baking powder and white vinegar treatment, but before you turn on the hot water cycle, soak and scrub any removable parts and wipe down the exterior with a cloth. After you run the washer, wipe down the inside drum with your cloth and a little vinegar, and voila, you’re done!

  1. Your Skin and Hair

Finally, we can get so caught up maintaining all of your major appliances and assets, that we forget to spend some time on maintaining ourselves. Regardless of whether you are a man or woman, it’s important to set some time away weekly for personal maintenance, which includes taking care of your nails, skin, hair, and body. Schedule a massage if you are feeling tense or are in pain, or benefit from a glycolic peel to exfoliate a thin outer layer of dead skin cells, eliminate impurities and tightens pores. Don’t ignore or forget about scheduling time for your body, because proper maintenance means better health, being more in tune with yourself, and respecting all that your body is and can do.

Take care of it, and it will take care of you. Though it’s not always the case, in general, regular maintenance protects your investment, keeping your possessions and yourself in good shape for a healthier and safer life.

Do Not Let These Five Reasons Make you go on a Spending Spree

Sure it is fun to go shopping and leave with bags in hand, but it is no fun getting the bill later, especially if you cannot pay the entire balance off at once and it rolls over to the next month with interest, digging yourself deeper in debt.  For those that have a shopping addiction typically do not need any extra incentive to go on a shopping spree, but there are a few reasons that can sway the average spender.

Stressed Out

When you are feeling down the first thought may be to go shopping to get rid of the blues, but fight temptation and put stress into working out, as the extra shopping bills will drain your account and raise your credit card debt, only to leave you sad again when it comes time to pay.

Peer Pressure

Whether it is shoes, a car, house, no matter what the item is, we want to keep up with our peers, but do not let that influence get you to live beyond your means.  Stay within your budget and you will be able to treat yourself to the finer things in life when you save up.

Put it on a Credit Card

If you want an item and do not have the money for it, an instinct will be to put it on a credit card and worry about it later.  Sure it may work once or twice, but getting used to that mentality will only make things worse down the road and you will continue to live beyond your means, amounting to loads of credit card debt and no savings to show for it.

Running up a balance on your credit cards usually runs into overdraws, late payments, and the late fees and poor credit that goes along with all of that. This will lead you down the road of learning how to remove late payments from credit report agencies databases. Probably an additional hassle you want to avoid if possible.

Trying to Please

We want to make other happy, especially a spouse, friend, or family, and what better to show our love with gifts, but buying love only is short term, and with potentially long term effects on personal debt.  You are not thinking about finances when overspending, and could even ruin a relationship, which according to a survey by GOBankingRates, overspending was the biggest financial deal breaker in a relationship.

Falling for an Unneeded Sale

Black Friday for example is a great tactic by retailers to get people in the store, and it works, with record crowds.  Stay away from sales, as you will be more tempted to buy items because they’re on sale, not because you need them.

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