Browsing Category: Money

Prepping My Finances for Holiday Spending

For the past couple of weeks, I’ve been thinking about how I’m going to tackle trying to find a new place to move, new work responsibilities, and all of the upcoming holiday plans. Sometimes, it can be overwhelming, but I’ve been slowly getting prepared for all of it. I’ve been getting mentally prepared, but also financially prepared. That especially included getting my finances prepared for holiday spending.

Prepping Finances for Holiday Spending | STAINED COUTURE

According to the National Retail Federation, Americans will spend over $720 BILLION this year on holiday gifts and garb – an increase from last year. It sounds insane, but it feels like the norm.

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Ways To Shop Smarter in 2018

Other than health issues, finances are at the top of most people’s resolutions and goals for the new year. I’m no different, because this is the second year that I’ve decided that I want to work on my finances. Last year, for the most part, I did pretty good. I was very proactive in saving more money. Unfortunately, I had to reach into my savings stash more than I would like to have done. However, I only reached in for absolute emergencies, which was mainly car related. This year, aside from continuing to grow my savings, I want to be more conscious about my spending habits. Over the past couple of months, I became obsessed with learning to shop smarter. I formed a few habits that allowed me make better decisions when shopping.

Shop smarter in 2018

If one of your goals this year is to get smarter with saving your money, learning to make smarter shopping is good stepping stone. If you’re interested in improving your shopping, keep reading for some of my favorite tips.

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How To Shop At Outlets…LIKE A BOSS

ho to shop at outlets

It’s been quite a while since I’ve shopped at an outlet. Although I love a good deal, I just can’t deal with the groups of people that flee to them to grab the same deals that I’m hoping to get, too.

A new outlet opened in my area and I’ve been meaning to check it out. However, when it comes to outlet shopping, there are some tips and tricks I use to make sure I do it right. Therefore, I wanted to share some tips to keep in mind the next time you go shopping at an outlet.


  •  AVOID THE WEEKEND – Going to outlets at the beginning of the week is best, because you won’t have to deal with crowds of shoppers. PLUS, most retailers, including outlet stores, restock on Monday or Tuesday since it’s not so crowded. Therefore, you can get first grabs at new items without the hassle of swarms of people.
  • QUALITY over QUANTITY –  Don’t let the 50% off tag blind you from the quality of the garment. Check the seams, construction, and fabric for stains. If the quality of the garment is not up to par for you, feel free to put it back. It’s not worth it, especially if you would have to pay extra to get it repaired. Plus, some outlets have a no return/final sale policy.
  • SIGN-UP FOR EXTRA DEALS- Most retailers offer coupons and discounts on their website and apps, including for their outlets. Can’t beat extra savings.
  • IS IT REALLY A BARGAIN? – Just because an item is at an outlet doesn’t necessarily mean that’s the best price. Do a quick online search to see if you can get it for a better price elsewhere, especially for big ticket items like electronics and furniture.
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My Quick and Easy Money Saving Tips

First thing first, I’m not a financial expert. Actually, I’m, the furthest thing from and I’ve had past credit reports to prove it.

However, over the past year or so, I’ve been making strong efforts on not only improving my credit, but also just saving more money, in general.

Since we are in the midst of income tax return season, some of you might have received you return money and don’t have any idea what to do with it..other than spend it. So, I thought this would be a good time to share some of my favorite quick and easy tips for saving money.

Savings Account

If you want to save money, one of the first things you need to do is open a savings account. You wouldn’t believe how many people don’t have a savings account. Once you open a savings account, you will have a safe and convenient spot to place and save money.

However, there are some things to keep in mind when opening your savings account. Compare interest rates for your savings account for an high interest account. The monthly interest might seem like chump change, but the more you save and get in the long run. There are also various tax advantages go along with savings accounts, as well as a number of free tax calcs to alleviate some of the tedious complications often associated with taxes.

A plus about savings accounts, is that if you open them at the same bank as your checking account, they can be synced together. You will have the ease of transferring money from one account to the next.

Unfortunately, this can also be a hinder to some, because just as easy as it is to move money to your savings account, it can be just as easy to move money from your savings to your checking. This was an issue that I was initially having when trying to save and keep money in my savings. With the ultra convenience of my online banking app, I could and would move money back and forth between accounts. I would nothing to show except an ridiculously high fee, because my bank would charge for transactions from my savings.

So, I decided to open an account at a different credit union. Therefore, I wouldn’t be easy to get the money. This small move has helped my increase my savings tremendously.

Cut Expenses

One of the hardest things I had to learn how to do was assess where I was spending my money. Here I was thinking that just buying a tall caramel macchiato instead of a venti was being financially responsible. Instead, you multiple  $3.75 (price of tall caramel macchiato) by 5 (times a week) and you will quickly realize that you are spending almost $1000 a year on something that you finish drinking before you pull into the parking garage at your job.

Once you’ve assessed all of your expenses, you might realize that you can save quite a bit of money with just a few minor spending changes. Cut back on the trips to Starbucks, eliminate cable, and cancelling one or two premium streaming services and you will notice just how much more money you have to put into your savings account.

At the end of the year, you will be quite pleased and estatic about having an extra grand in your account just by simple making your coffee at home before heading to work.

Create Additional Income

It’s been said that the average millionaire generates at least 7 sources of income. Imagine just what one additional source can do for us typical people who would just like a little extra to have for a rainy day  or yearly family vacation.

In today’s world of online businesses and constant need to for various services, you can generate extra income by simple selling items you no longer use around the house on ebay, sign up to be a part-time Uber driver, or even create your own online shop selling teas or what ever you have a knack for creating.


Do you have any tips you use to save extra money?



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