7 Ways to Save Money on Your Holiday Shopping

The holiday season has officially begun. It's the time of year when many Americans whip out their credit cards to make gift purchases. And, some spend money they don't have. Don't let the holidays flip your good money management upside-down. Follow these few simple tips for smart holiday shopping and you'll find you can save money without sacrificing the quality of your gifts:

 

Make a List

Before you head out to the stores, start by sitting down and making a list of the people you'd like to buy gifts for. Next, mark down the item you want to buy for each person. In case the store is out of the item, write down some backup ideas or the price range you need to stay in for a gift.

Stick to Your List

When you get to the store, stick to your list! If the item is out of stock, choose the alternate gift option. You can also find a gift that falls in the price range you have set for the person.
Buy Gift Cards

Numerous websites and discount retailers sell gift cards at a discounted rate. For example, you can buy a $100 gift card for $90, or any denomination for a percentage of the face value. Start searching for discounted gifts cards on websites like  Giftcards.com, eBay, Costco.com and BJs.com.

Shop before You Shop

The Internet is a rich source of money saving options. Comparison sites such as Pricegrabber.com, Pronto.com and Dealio.com allow you to search for the gift items you want to buy and help you locate the lowest price for each. You can also use sites like Retailmenot.com and Shopping-Bargains.com to get the best coupons in your email.

Use Rewards Shopping

Websites such as Upromise.com and eBates.com reward you for spending the money you're going to spend anyway. These sites provide you with instant rebates on your purchases or allow you to rack up points that you can use as a discount on future purchases.

Use Rewards Credit Cards

Especially during the holiday shopping season, many credit card companies offer special savings, instant rebates or other rewards for using your credit card. Statement inserts and credit card rewards websites alert you of these special options. You can also contact your credit card issuer for seasonal deals.

Shop Early and Often Don’t wait until the last minute to start your shopping. Start as early as possible or pick up items throughout the year when they're on sale. When you’re shopping in April and notice an item that your family member has been coveting is on sale or is offered with free shopping, pick up the gift at a discount and stash it away for the holidays.

Implement these smart shopping habits and you’ll quickly see the savings add up during your holiday shopping spree.

For more money saving tips and tools, visit Quizzle.com, where you can get a personalized plan to get out of debt faster and sign up for identity theft protection to watch over your good name during the busy holiday shopping season.

10 Tricks to Save Money with Credit Cards

The most credit savvy among us have been able to use credit cards to their benefit in order to wisely and optimally save money even while charging on their cards. If you are careful about how you use your credit cards, you may actually come out ahead by using them, rather than if you just stuck to cash. I've written about the perks of using cards before and why I prefer credit cards over cash, but this time, I'd like to share some actual strategies we can use to get the most out of our credit cards.

10 Tricks To Save Money Through Prudent Credit Card Use

1. Consolidate your credit card debt with care.

Many consumers use a common strategy to trim what they owe on their cards: they use balance transfer credit cards, which offer 0% or low APR on the balance that is moved over, but for a limited introductory period. Make sure you perform a cost benefit analysis before executing this plan since most cards these days have a balance transfer fee (typically around 3% of your debt) that you'll need to pay when you do the switch. You should also assess if you'll be able to pay off your debt entirely before the promotional 0% rate period is up, in order to avoid any increases in the card rate. If you can't make this work, it may still be worth doing a balance transfer if the new card carries a much lower APR than your old one.

2. Use rewards cards only if you can pay your balance in full.

I'm a huge fan of credit card rewards. But to offset the rewards that they pay out, rewards cards tend to have higher interest rates than regular credit cards. For instance, it would only make sense to earn American Express rewards if you intend to pay your balance in full each month, no fail.  If you can't commit to such a schedule, then it's better to apply for lower interest cards. 

3. Be careful about participating in credit card arbitrage schemes.

Because of today's more restrictive credit environment, it's now tougher for shrewd cardmembers to execute any money making schemes using credit cards. In the past, it was fairly easy to make money with cards by taking borrowed funds and funneling them into a high interest savings account that sported an attractive yield.

With savings accounts no longer yielding such great returns and balance transfer cards with awesome terms now dwindling in number, this strategy is no longer as lucrative as it once was. There are still people who play this game though, but it's a game that requires top notch organizational skills since any misstep (say a forgotten or late payment) can cost you much more than you'd earn in this plan.

4. Pay more than the minimum and pay on time!

By simply practicing good payment habits, you'll avoid exorbitant finance charges and penalties levied upon your account. It's best to pay off any monthly balance in full, but if you can't swing it, then paying more than the minimum will save you quite a bit in interest over the long term. There are also certain credit cards that will reward you for this type of good behavior (check out my Citi Forward credit card review for more details).

5. Do your research before applying for a card.

Compare credit card offers before signing up for anything. Have you read the terms carefully? Based on your shopping habits, you'll find that there are certain credit cards that will suit your spending patterns better than others.

6. Don't own too many cards.

I'd avoid collecting rewards cards simply because owning too many may prevent you from optimizing your rewards on any one card. Also, having too many cards may just encourage you to charge more than you should and to overuse your credit.

7. Avoid relying on credit cards to cover an emergency.

Some people I know don't have emergency funds and end up relying on their collection of credit cards to bail them out whenever the need arises. However, with no savings, you're likely going to keep a balance on your credit card as soon as you use it for any unexpected expenses -- and keeping a balance means paying extra in interest. So keep in mind that while depending on your cards as backup is quite tempting to do, it will certainly be expensive in the long run if you charge up a storm. 

8. Carry a spare credit card.

Here's a great compromise: if you are interested in taking advantage of rewards, you can still own a rewards card but use it only for those items that you'll be able to pay off completely each month. You may want to consider applying for a second card which should be of the low interest kind; this is the card that you can afford to own with a balance given its lower rates.
 
9. Talk to your card issuer about lowering your rate.

If you've got a good history as a cardmember, you may have some leverage here. When you've been a customer for a while, give your card company a call to discuss the possibility of cutting you a break on the rates. They're more amenable to this type of request than you think since card companies would love to hold on to their good clients.

10. Don't use your card for cash advances.

Avoid using any free checks that come your way that draw from your credit card account. And try not to use your card for any form of cash advance -- it's not worth what you'll pay for the convenience.

Foot Tattoo Designs

Foot Tattoo Designs

There are many peoples, who will not interested to get the tattoos on the body, so many of the girls are not looking to getting the Tattoo Designs on the Foot. Foot Tattoo Designs are more famous within girls instead of male. here we are posting 5 collective pictures of Foot Tattoo Design, which are gathered around the searches. animal themse and other words or nature Tattoo Design are printed on the Foot.
Foot Tattoo Designs
Foot Tattoo Designs For Women
Foot Tattoo Designs For Girls
Foot Tattoo Designs Stars
Foot Tattoo Designs Vines
Foot Tattoo Designs 2011
Foot Tattoo Designs Words
Foot Tattoo Designs Pictures

Shruti Agarwal Biography | Wiki

Shruti Agarwal Biography | Wiki

Shruti Agarwal is known as a Indian Fashion Model. Also worked for the HHey Gujju and it was with the famous signer name that Himesh Reshmammiya. She become very famous around the world, when there was rlease of Kingfisher SwimSuit 2006.

Shruti Agarwal Model

Shruti Agarwal Pics

Shruti Agarwal Bikni

Shruti Agarwal

Vipasha Agarwal Biography | Wiki

Vipasha Agarwal Biography | Wiki

Vipasha Agarwal , A career starting from I See You with the Indian famous actor, Arjun Rampal, She has not been very known in the Pakistani Media, She maintain a good name in the name of Advertisements. Ritu Kumar, Thumbs Up and Lakme all these she has worked for. Fair And Lovely ads has been also done by the Vipasha Agarwal. Garnier and Monte Carlo ads too. She known as best model for the TV screen.

Vipasha Agarwal Marriage | Married

Vipasha Agarwal Husband

Vipasha Agarwal Height

Vipasha Agarwal Photo Gallery | Hot

Anu Agarwal | Biography | Wiki

Anu Agarwal | Biography | Wiki

Anu Agarwal a Indian Bollywood actress and a Indian Model, A Delhi born 11 January 1969, In the movie Aashiqui she has done a great leading work. She also got a Film-fare best Supporting Actress nominated role. Her work has been good with the Jackie Shroff and late on the 1996, her mind has been changed to the south Indian movies.

Anu Agarwal Accident
her accident news was also get very famous cause of her being liked by the public audience.

Anu Agarwal English Movie

Anu Agarwal Movies
Return of Jewel Thief
Kanyadaan
Janam Kundali
The Cloud Door
BPL Oye!
King Uncle
Thiruda Thiruda
Khal-Nayika
Ghazab Tamasha
Aashiqui

Anu Agarwal Photos | Pictures

Aastha Chaudhary

Aastha Chaudhary

Aastha Chaudhary is born in Rajasthan, Alwar and she has done with her education in highest level of engineering. She is a Indian Super Model and also a Indian Actress, she has been working for Indian TV channels. She has played a good role for the color tv program, Aise Karo Na Vida. also on Sony TV she has done a program, which is named like Babul ka Aangann Chootey Na. Colors TV channel's program is

Aastha Chaudhary Facebook | Twitter
Aastha Chaudhary also use of the Twitter and Facebook Social networking websites.

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here is all information about her life.

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here is wiki news about her.

Aastha Chaudhary BoyFriend
Her boyfriend is also famous and known.

Aastha Chaudhary Age
26 years old.

Aastha Chaudhary Rohit purohit and Siddhart Shukla

Aastha Chaudhary Photos | Pictures

Save Money on Girl's Fashion

Girls who do not have plenty of money deceitful approximately, but desire in on the newest clothes and fashion trend can motionless do so still on a budget. There is profusion of matter out there that looks fashionable and stylish, and up till now is simple on the purse string.

Here are guidelines to get you out of a fashion slouch and be one step earlier to looking ultrachic the affordable way.

Big technique to hitch the best deal is to stock up on cyclic apparel just when the season is about to end. Search through the sale racks for sweaters in May, bikinis in August, and short sleeved shirts in November.

Keep away from present cards send-off to squander. They can motionless be good for exchange with others' surplus cards on a variety of card websites.

Advantage from half-off, buy-one-take-one and other such discounts - NOT by acquiring the whole thing you are able to carry, but by bring fashion forward friends along.

Vaneeza Ahmed Lawn Collection 2011

Vaneeza Ahmed Lawn Collection 2011

Veenza Ahmed Launched here Lawn Collection of 2011, She owns the beautiful colors and which are liked by the peoples of world, its has the Sea Green with the Grey Color, Pink is with the yellow color, which make it more charming, Vaneeza Ahmed Lawn Prints 2011 here for you ladies. V Lawn is brand name of Veenza Ahmed Law Collections. Vaneeza Ahmed is a Model, Actress and Dress Designer.

Humaima Abbasi Model | Actress

Humaima Abbasi Model | Actress

Humaima Abbasi is a TV Star and she is also a model with the Pakistan TV actress, she was born on 1987,18 November. She was married to the a family person named Shamoon Abbasi, but now she is get seprated in mid of 2010. She worked for the movie of ShaMON production of Shoaib Mansoor. the darama seriels in which she worked, Tanveer Abbasi, Barish ky Aansu, Ishq-Junoon-Deewangi. She is graduated from a college of Quetta. She has come to the ramp from very young age and that time, she was not very good with anything.

Ambigram Tattoos

Ambigrams are recognized as typographical design or even forms of creative symbol, reflecting the shape of a word that can be interpret as one more word. This is likely due to the way the word is designed as it is able to be view, oriented or bound for in various additional forms. The word or words that can be see from another perspective and angle, are of another spell, meaning from the first word or are the similar with the unique form.

The calligraphic plan of the ambigrams has managed to confer two dissimilar reading while the set of curves second-hand are the same with a number of of the ambigrams. Designing these ambigrams has turn out to be quite a creative skill as not everybody is able to see and distinguish a word in its a variety of potential spellings and meaning.

This happen only by means of those who have urbanized their creative eye to read and make words of attractive possibilities of am bigram(ing).Many of the name are known in agreement with the way the letters and the words can be view or represent in their graphical form.

Party Jewelry

Now a days of stressed families and high being without a job, one method that some people have establish to help make trimmings get together is by hosting jewelry parties in their home. Follow the suggestion in this piece and you too might find that this is a very satisfying way to create some serous additional money. We'll go over how this party works, as healthy as how you can make you’re them more victorious.

Basically, a jewelry party is a confidential deal show in which you request friends and associates in excess of to your home in a kind of open house location. This allows you to manage the way in which you show the jewelry, as well as long as you with the benefit of life form the only seller. They work most excellent when you have at least a reasonable number of pieces to sell, as this allows clientele to browse from side to side your labor while at the same time enjoy the social surroundings.

An archetypal jewelry party will last wherever between three to five hours, with visitors coming and going away throughout. Whether you have a little group of contacts that you think strength be involved in your jewelry or want to make some grave cash, you can get in progress by hosting a jewelry party.