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Give Great Gifts without Spending a Small Fortune
Sometimes it seems we are always trying to budget for different occasions, when all we need do is to provide a gift for someone special. Think about it. There are always housewarmings to attend, weddings, anniversaries, and birthdays of close relatives we must not forget.
It seems we are always digging into (and sometimes emptying) the shrinking cash pocketbook.
Since you know there will always be occasions to provide gifts. It will save time and money if you purchase gifts in advance... while they are on sale.
This is the perfect way to find bargains, so that the recipient thinks you spent more than you actually did.
To make this concept work, organization becomes important! There are many who buy plenty of bargains to give as gifts but, the problem is,
they can never remember what they have bought, or where it is stored, when they need it now. Create a list and keep it in a safe place so you will always know what gifts you have squirreled away.
Keep them in air tight Tupperware storage containers (that you can get on sale!).
If you have children, nieces, nephews, neighborhood kids, there will always be birthday invitations coming your way throughout the year.
When the toy store, or a bargain retailer, has a sale on toys.. stock up on some common ones. Girls generally like dolls and Barbies.
Boys have always enjoyed cars and action figures. Board games, puzzles, and coloring books (with crayons) make great gift items for both boys and girls.
Try to avoid anything trendy, because we do not know how long that fad is going to be popular. If you give a gift that was trendy in its day, but is no longer popular, it will be very obvious that you did not recently shop for the gift.
Some favorites for children are always in style... like Disney Characters and Looney Tunes. You should be safe when purchasing toys with these themes.
For grown ups, there are many great items you can find at bargain prices to give for most any occasion. Cook Books, flower vases, picture frames, photo albums, and scented candles all make great gifts for even the most difficult people on your shopping list.
These items are timeless as well so it does not matter how long they stay in your gift chest before you give them to someone.
You can even adopt this concept to buy birthday and Christmas presents for your spouse and children. This way you will spend less around the holidays, and you will not be burdened with shopping while everyone else is enjoying that time of year.
It helps to keep a list of items that catch the eyes of those in your family, so you can make sure you get the right item when you see it on sale.
Being able to offer a very special gift to someone you love and care about is important. However, it can also be stressful when you are pressed for time and your credit cards suddenly become light.
By purchasing bargain gift items when coming across them, you will always have plenty of great gifts to give without breaking the bank, or your budget.
Online Scams: How To Avoid Getting Fooled
Beware of these three ways of getting tricked into giving up your financial safety through seemingly innocent make money schemes.
Scams are all around us and can be found in every single area of life, but more so in places where the financial risk is greater.
Be careful everywhere, but especially on the Internet, when dealing with credit cards, bank accounts and other activities which involve sending or receiving funds online.
The Bank/Credit Card e-Mail Scam:
If you get an e-Mail asking you to sign in to your bank account or credit card through the email itself because your privacy is in danger, or in order to receive a free gift or something: BEWARE! Do not sign up through the internet address, or link, provided in the e-Mail. If the email does make you anxious, go to the bank or credit card site using the address you already know, or find from the search engine.
How Does This Scam Work?
The sender of the email knows that only a very few will sign up, but that is all they need. When you signed up through the bogus internet link address, they got your user name and password. That is all they need to wipe you out! Now its time for them to party!
The Missing Millionaire Scam:
If you receive an email saying that they represent a dead or missing former ruler, high ranking official, or bachelor businessman from an African country (Nigeria?) , Persian Gulf or even Russia : BEWARE! They offer you a chance to earn anything between one to five percent of ten to one hundred million dollars. And, you will receive all this only for your willingness to help them. Do not get suckered into this. Even though they speak of giving you tons of loot, they will receive all the funds from your bank account.
How Does It Work?
They will ask you for your bank details in order to transfer funds from their bank into your account, AND they will then use your banking details to transfer a small amount (usually less than $5) into your bank account. Now that they have your trust, they will ask for more personal and mostly secure details (social security number, your mothers maiden name) because they need that in order to transfer the entire sum of MILLIONS OF DOLLARS into your account. What they will not tell you is that they will transfer all the available funds OUT from your account... and you will never hear from them again.
The Make Money Fast Scam:
This is the most innocent of the group, but that is also why it is the most dangerous. These are so called companies that advertise that if you only sign up and use their system, you will mint cash like the U.S. Treasury. Please do not fall for such schemes. They will pay you some piddling amount but then once trust is built, they will fleece the balance in your account. These are professional scammers. They will not leave a trail for law enforcement to follow. Remember that quick cash scams are the surest and fastest way to lose everything!
Whatever else you do online, always keep in mind that the Internet is not a safe place. Treat it like you would treat any other business venture, and bring up your guard.
If you play it safe and avoid all such scenarios detailed here, you will be able to escape losing your savings to despicable crooks.