January 16, 2018

Top 3 Bad Money Spending Habits You Should Break

It is said that it takes 21 days to develop a habit. Sounds easy, right? What’s more difficult is breaking a bad habit. For instance, you may have a lot of habits when it comes to spending your money, and some of them may not be helpful in building your savings. In many cases, we make financial decisions without giving them much thought, resulting in regrets and disappointment later. If it’s relatively easy to develop a habit, how can we break a bad one? It takes more time than it took to develop it. You need to commit to breaking those unhealthy habits and changing for the better.

What are the bad money spending habits that you should break? Take a look at this list:

#1 Not setting financial goals

In any activity, you need to set goals, so you can strategise and keep track of your progress. The same goes for your finances. Without goals in mind, you’ll just spend a lot without thinking about your savings. You’ll also not be motivated. Goals can be short-term or for a long period of time. Just make sure that they’re specific and realistic.

#2 Not creating a budget

Budgeting is not done to deprive you or prevent you from enjoying the fruits of your labour. It’s about gaining a better understanding of your money spending habits, determining where your money goes so you’ll know how much you can spend. In this way, you’ll have a clear picture of your cash flow and come up with ways to spend money wisely. Consider shopping on a budget, which means setting a limit for yourself about the amount of money you can spend. For some people, they’re into “cheap shopping” mode, thinking of ways to buy what they need without breaking the bank.

#3 Not having a savings plan

The formula should be: income – savings = expenses. But for many, it’s income – expenses = savings. Pay yourself first. You can start saving with a small amount every month and just increase it over time. One great tip is to set up an automatic transfer directly from your pay and into a separate high interest savings account. In this way, you’ll be able to build your savings.

Do you have other tips for shopping on a budget and breaking bad money spending habits? Share your ideas in the comments section.

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Cheap Halloween Costume Ideas

Many people look forward to Halloween. While it used to be a scary event especially for the kids, with horror films and frightening characters associated with this annual event, people still enjoy celebrating Halloween as kids do their trick or treat activities. It’s also a chance for grown-ups to dress up as their favorite characters. However, Halloween costumes can be expensive. But this should not hinder you from attending that party with your friends. A few cheap shopping tricks will do the trick.

In fact, there are some costumes that don’t really need a trip to the store! Here are several cheap Halloween costume ideas:

A Ghost

If this isn’t cheap enough, I don’t know what is. It’s also probably the easiest costume to pull off. Whether you’re pressed for time or you just don’t want anything elaborate, this is the costume for you. All you need is a piece white cloth or old bed sheet. Cut holes for your eyes then put the cloth over your head.

Men in Black

Boys who still don’t know what costume to wear can open their wardrobe cabinets. Look for your black suit jacket and black pants. Just add a pair of sunglasses and you can go to the Halloween party as Men in Black.

Dancing Girls Emoji

You and a friend can be the dancing girls emoji.  The costume doesn’t entail a lot of items. Wear a black bodysuit and black shoes or high heels. Complete the look with a cat headband. Shopping on a budget for Halloween is easy to achieve with cheap costumes like this.

Where’s Wally

People will surely recognise you when you dress up as Wally for Halloween. What’s great about this costume is that all you need to pull it off is probably found in your wardrobe already. Here are the items that you need: a striped shirt, blue jeans, a red beanie, and glasses. It’s that simple!

Liv Tyler in Empire Records

If the party has a 90s theme, you can dress up as Liv Tyler in Empire Records. All you need is a cropped blue sweater and a pleated plaid skirt.

Got other cheap shopping ideas for Halloween costumes? Share your tips in the comments section.

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Cheap Shopping Tips for Christmas

It’s indeed the most wonderful time of the year! Time flies so fast that before you know it, it’s already December. Most people look forward to Christmas as it is the time to get together with families and friends, plus the festive environment brings a lot of fun and positivity. The holiday season will also not be complete without buying new clothes, shoes, and gifts for loved ones. When you add everything up, it can leave a hole in your pocket. The good thing is, shopping on a budget is still possible.

In this article, learn some cheap shopping tips so you can stick to your budget for the holidays:

Set a Christmas budget

It’s easy to get carried away with Christmas shopping, so it’s important to set a budget to avoid overspending. You can set a price limit on gifts and grocery so you will know the total amount. If you’re serious about sticking to your budget, there are online apps that you can use for better monitoring of your Christmas spending.

Make a shopping list

Whether you’re going to buy presents or to the grocery for your Christmas dinner, it pays to have a shopping list, and make sure to stick to it. This helps you avoid the inconvenience of forgetting to buy certain items. Also, you can make some sort of strategy on how to go about your shopping if you already know what you need to buy.

Use your rewards points to pay for gifts

If you’ve been using your rewards card throughout the year, the holiday season is an ideal time to redeem your rewards to pay for some of your gifts. It takes a bit of planning early in the year to ensure that you have a large balance before Christmas.

Explore other shopping areas

Find Christmas bargains not only in your favourite shopping mall but also in discount outlet shopping centres, secondhand retail shops, and even online. You can get great deals from these shops. Make sure, though, to check the terms and conditions to avoid problems later on in case you need to return some items.

Subscribe to online newsletters and alerts

During the months leading up to Christmas, make sure that you’re following your favourite brands and stores on social media as these surely have updates on upcoming sales and promos.

Got other cheap shopping tips for Christmas? Share your ideas in the comments section.

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Simple Tips for Shopping at the Outlets

There are so many things that you can do to save money while shopping. One of these is to know where to go. For instance, outlet stores offer a range of products that come with discounted prices. You can also get great deals that will enable you to save money on amazing finds. Outlet shopping, in itself, can save you money, but here are several cheap tips for shopping at the outlets:

Do some prep work

If you’re serious about outlet shopping then you need to prepare your list of things to buy, as well as your budget. Just like in any shopping trip, having a list will save you a lot of time and energy. In outlet stores, you’ll find a lot of items at discounted prices, and it’s easy to get carried away with buying things that you end up not using. Also, keeping your budget in mind will help you avoid overspending.

Know when to shop

Expect long queues and crowded parking spaces, but you can avoid the crowd and have more time shopping than looking for a parking space by going to the outlet store on a weekday instead of Saturday or Sunday. You may also want to arrive early.

Wear comfortable clothes

Aside from wearing comfy shoes, you may want to go for clothes that are easy to slip on and off, in case you need to try some outfits in the dressing room several times. You surely don’t want to be bothered by what you’re wearing while looking at racks after racks of clothes, right?

Eat a full meal

Before going to the outlet store, make sure to fuel up by eating a hearty breakfast. Shopping all day is an exciting activity, but it can be really tiring, especially at outlet stores when you sometimes need to move quickly to get some great finds.

Invite a friend

Share the fun of shopping at outlet stores with a friend. You can help each other finding great deals. He/She can also help you decide on what items to buy. This can help save time and avoid second-guessing. It’s also great to have someone over lunch and coffee break. Who knows? Your friend may also have cheap shopping tips that can help you save more money.

Got other cheap shopping tips? Share your ideas on how to go shopping on a budget in the comments section.

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Top Websites to Find Cheap Bargains Online

People who are money-conscious are always on the lookout for great finds and ways to save money. When it comes to shopping on a budget, there are a lot of simple and practical tricks to get the most out of your hard-earned money without sacrificing style and quality. In this day and age when everything goes digital, online bargain community has become a great alternative. There’s no need to find parking spaces or spend time on long queues to the cashier. Shopping online is convenient, and it serves as a great venue for cheap shopping as well.

If you’re into finding a good bargain online, here are several websites that feature great finds without the hefty price tag:


Groupon is a worldwide e-commerce marketplace that connects its subscribers with local retailers by offering a wide range of special deals on activities, travels, goods and services. It is a great way to try out new activities and rediscover your local areas without costing you an arm and a leg. You can also get local deals sent to your inbox by subscribing to their newsletter.


Mydeal is a place where you can find excellent prices on a great selection of products, from furniture to home & garden tools, from electronic to baby & kids products. They ship Australia wide and their Australian based customer service team respond to any queries within 48 business hours.


OzBargain is no doubt Australia’s hottest bargain hunting community. You can find a lot of hot deals, coupon codes, vouchers and freebies shared on this site. OzBargain will no doubt keep you updated with all the hot deals daily, but the catch is that you have to browse through each listing to find the good ones.


Lasoo is an online platform where you can find shopping catalogues from your favourite retailers,such as Target, Big W, Aldi, Myer and many more. It is a great source for you to identify what’s currently on sale and has local searches function to make it easy for you to find a store nearby. Lasoo will only make your shopping experience more efficient but can help you save money by allowing you to have the first dibs on catalogue deals from some of Australia’s most popular retailers.

Do you know other websites for cheap shopping? Share your shopping tips in the comments section.

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4 Hacks to Save Money on Household Products

Grocery shopping takes a huge chunk off of our weekly budget, so those who are money-conscious are being resourceful and creative when it comes to getting cost savings from trips to the supermarket. Household products are essential items on the grocery list, and while we cannot really do our day-to-day tasks without these essentials, it doesn’t mean that you cannot do anything about the weekly costs. Just like in any other item, you can do your shopping on a budget by employing some simple tips and tricks to save money on household products.

Here are four hacks that you can consider:

Look beyond the brands

Of course, if you have more than enough funds then buy whatever you want, without event checking the price. But if you’re shopping on a budget, look at other options. When it comes to household products, you can go for the generic versions which are usually just as effective. You can also look for local providers and farmers’ markets as the items that they offer normally come in much lower prices.

Make your own household products

DIY will always be on the list if you want to save money, and it applies to shopping on a budget. With just a bit of effort, you can save a lot of money through DIY household products every week. Do some research online and find out how to make your own body cleanser, dishwashing liquid, pet shampoo, and other cleaning agents. Also, you’ll be surprised at the many uses of common household items such as baking soda and vinegar in terms of cleaning surfaces and other areas of your home.

Look at the higher and lower shelves

In most cases, there are supermarkets that tend to place the most expensive items on eye-level shelves, or what we would see first. Call it a marketing strategy or what, but it will not be beneficial if you’re trying to save money. Consider checking the items at the lower part and higher shelves and you’ll likely see cheaper items.

Collect coupons and promo codes

Shopping on a budget also means the use of coupons and discount codes which are helpful for those who want to save money not only on household items but also other things in your list. Always check the local paper or look online for coupons of items that you need and just print them out.

Do you have other cheap shopping tips? Share your ideas in the comments section.

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Top 9 budget-friendly fashion bloggers

Shopping on a budget need not be a complicated task. There are so many ways to save money on shopping without sacrificing quality and aesthetic appeal of clothes and shoes. But if you still need more guidance, or probably some inspiration on how to pull off a look that’s within your budget, learn some shopping tips from these nine budget-friendly fashion bloggers:

I Heart Bargains

Chelsea Thomas is the blogger behind I Heart Bargains. As the name suggests, it specialises in cheap shopping tips, with every clothing item in the blog at less than $100.

A Broke Girl’s Blog

Affordable fashion is what Prudence Richardson is after. Her clothes are both fashionable and affordable, with her favourite shades of black and white and gray plus a pop of colour to make her clothes stand out.

The Budget Babe

Sale alerts, news stories on budget fashion, trend alerts, dress by numbers guide, as well as recreating celebrity looks can all be found at this fashion blog by a former content producer of Oprah.com.

What The Teacher Wears

Alex MacGregor makes sure that her outfits don’t leave a hole in your pocket and are still fashionable and can be worn at work.

Never Ever Pay Retail

Hannah Klose knows how to create an eye-catching outfit without shelling out a lot of money. She visits local op shops and looks for great finds.

Broke and Beautiful

Looking for budget-friendly fashion spotlights, cheap beauty tips, and super stylish outfits that are less than $250? Check out the Broke and Beautiful blog.

Frugal Fashionista

Spend less on clothes and still look like a celebrity. Learn a thing or two from Frugal Fashionista who focuses on retailer spotlights, deal listings, and recreating celebrity looks for less.

The Budget Fashionista

Kathryn Finney is the woman behind this budget-friendly shopping blog that provides sale tips and coupon codes so you can dress in style without spending a lot.

The Cheap Chica

Cheap shopping is the name of the game in this blog, where you’ll find printable coupons and coupon codes as well as great fashion finds below $20.

Shopping for stylish clothes, shoes, and accessories need not be a financial burden. With a few tricks and tips from budget-friendly fashion bloggers, you can pull off outfits that are visually appealing but without breaking the bank. Happy shopping!

Know other budget-friendly fashion bloggers and tips in cheap shopping? Share your ideas in the comments section.

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Does Online Shopping really Save You Money?

A lot of people love to go shopping, but there are some who prefer buying things online. It is a great alternative to going to malls and retail stores. And in this day and age where social media takes center stage, your favourite shop will most likely have its own Facebook or Instagram page. One main benefit of online shopping is that it’s a time-saver. Imagine the number of hours that you can save instead of waiting at the car park and at long queues at the counter.

Does online shopping save you money?  The answer is yes. This is good news especially for those who are shopping on a budget. For starters, just think about the dollars that you can save on transportation costs. But the key here is careful planning. Whether you’re shopping online or at the mall, there are guidelines that you need to know to ensure that you’ll get the most out of your money. Here are some shopping tips:

Get organised

Most websites offer a straightforward process for online shoppers, but if you’re a beginner, you may find it overwhelming. You may get lost in the wide range of products being offered, or worse, spend on things that you don’t need. To avoid these scenarios, make sure to plan and create a list of items that you need to buy. When you know the products that you need, online shopping will be much easier, and you can avoid overspending. If you plan to go online shopping on a regular basis, the website will recall the details that you’ve provided the first time so you don’t have to enter them again.

Check online reviews

With online shopping, you cannot check a product physically, so there really is no point in skipping product research prior to buying something online. It’s just a waste of money when you buy something, only to find out that it’s not of good quality or there are issues. So make sure to check online reviews as well as the website you’re buying the product from.

Look beyond the main categories

Online shopping can save you money if you know where to look. Most retail websites have categories such as Clearance, Sale, Overstocked or Reconditioned.  Check these categories and see if they have the products that you need. If not, it still pays to go over these categories for great finds.

Got other shopping tips? Share your ideas on cheap shopping in the comments section.

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How to Make the Most Out of the Stocktake Sales

The end of a financial year can mean handling a lot of tax forms and documents. However, a large group of people have their eyes on this time of the year because it also means stocktake sale! During this time, cheap shopping is the name of the game, where products from the previous season will be sold at reduced prices. And who doesn’t want to score great products without breaking the bank? You can find a lot of items at heavily slashed prices.  These include kitchen appliances, whiteware, electronic devices, home goods, as well as gadgets.

Just like in any shopping trip, there are some guidelines that you can follow to ensure that you’ll get the most out of your money. Here are some tips to get great items even when you’re shopping on a budget:

Know which products are worth buying

In a stocktake sale, it doesn’t mean that you’ll buy anything that comes with a discounted price. It is still important to do your research on what product or brand is best suitable for you, especially if you’re planning to buy electronic devices or gadgets. Check consumer reviews and compare features of several models before going to the store so you can make a well-informed choice.

Create a list

With almost all products being sold at much lower prices, it’s very easy to get carried away with shopping and before you know it, you’ve spent a lot of money on things that you don’t really need. Avoid impulse buying by making a list of the things that you need or want. You can start adding items to the list even before the financial year ends so you don’t miss anything.

Watch out for one-off sales

Many retailers start their sale season early. Some even extend after Christmas. Stay updated on your favourite stores so you don’t miss out in case they start their sale early. In this way, you can tick off everything on your list earlier than most people, plus you can avoid the shopping crowd.

Go shopping online

Expect long queues and crowded shops during a stocktake sale. But if you’re not willing to wait in line for too long or get sore feet, you can still take advantage of the sale by going online. It’s convenient, plus you can easily compare prices of different brands.

How do you get the most out of a stocktake sale? Share your shopping tips in the comments section.

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5 Effective Ways to Stop Impulse Buying

Are you a shopaholic? Do you often buy things that you don’t really need? If you are, then you should probably stop it before it’s too late. Impulse buying can lead to financial problem if not controlled. Before it gets worse, here are some shopping tips to overcome impulse buying:

1. Create a budget

This is one great way to minimise your expenses. But it does not stop at just knowing what you can spend. What’s more important is to stick to your budget. Decide and commit to only spending the money that you have. If you own a credit card, it may be better to leave it at home to avoid being tempted to spend.

2. Use cash only when purchasing/shopping

Avoid using your credit card during a shopping spree unless you have a planned purchase and you also created a plan on how to pay it off. According to experts, people tend to spend more money when using a credit card. So when planning to go to the mall, leave the card behind and just spend the cash that you have.

3. The 30-day rule

This shopping tip is hard to follow especially for impulse buyers.  If you feel like buying new clothes or top-of-the line gadgets, wait for a month before buying the items. If you still want to buy even after 30 days then go ahead. In some cases, people tend to forget about the items, meaning they don’t really need to purchase them.

4. Don’t go shopping when you’re upset

In many cases, emotions get the best of us that we go shopping as an outlet of our stress and frustrations.  Break that habit. Instead, find something else to keep your mind occupied. Do some arts and crafts, listen to music, read a book or talk to friends.

5. Don’t let marketing tactics lure you

Retail stores employ a wide range of marketing tactics to attract customers.  Chances are, you’ll end up buying what they offer even if you don’t really need it. Avoid going to shopping malls and shops if you have nothing to buy to avoid impulse buying.

Spending our hard-earned money is not a bad thing. It’s one of the main reasons why we work so hard in the first place. What we need to avoid is impulse buying. It will only lead to spending money on things you don’t need. Keep these tips in mind so you can stick to your budget and avoid impulse buying.

Got other shopping tips on how to avoid impulse buying? Share your ideas in the comments section.

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