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Three Simple Suggestions for a Budget-Friendly Halloween

Three Simple Suggestions for a Budget-Friendly Halloween

Think back to when you were a kid. What was your favorite thing about Halloween? Was it the costumes? The candy? The spooky decorations around your neighborhood? All the above? Now, think about your little ones. Which Halloween traditions excite them most? There’s a pretty good chance they love the same things you did. That timeless trio of candy, decorations, and costumes account for more than 80% of Halloween spending. How much do people actually spend on Halloween? According to a National Retail Foundation survey, Americans spent an estimated $9.1 billion in 2017, and the number is expected to top $9 billion again in 2018. From shopping for the newest costume to overspending on premium candy for trick-or-treaters, it’s easy to get caught up in the fright-filled fun and spend more than you intended. So, how do you give your little ones a Halloween filled with fantastic childhood memories without blowing up your budget in the process? We’ve got a few ideas. Three Tips for Saving Money This Halloween By following these tips, you can save money on candy, decorations, and costumes and help your kids enjoy a Halloween that’s a little less trick and a lot more treat: Candy Based on the survey mentioned above, a whopping 95% of Americans plan to buy candy this Halloween. If you’re looking for easy ways to save, steer clear of the brand name selections and buy in bulk. If you’re trying to be that house, the one all the kids talk about because you’re the ones that give out the “good stuff,” be sure to scan local sales and be patient....
9 Things to Remember When Using Your First Credit Card

9 Things to Remember When Using Your First Credit Card

Getting your first credit card is a significant financial milestone. After sorting through an endless array of program options and promotional offers, you made your choice, filled out the application, and saw those two magic words: You’re approved! After the initial excitement wears off, it’s important to remember that just like your first car, your first credit card comes with a lot of responsibility. While it may be tempting to grab some friends to take the new plastic for a test drive, it’s a good time to exercise a little restraint. The financial decisions you make now will have long-term effects. Like a misspelled tattoo, it only takes a momentary lapse in judgement to make a mistake that will follow you for years to come. So, before you start exercising your newfound financial freedom, here are a few tips to make sure your first credit card experience is positive: Pay attention to the fine print. Even if you don’t need readers, you may want to have some handy. Companies like to sneak stuff in the small print. Introductory interest rates can be attractive, but once those offers expire, you could be left paying higher interest on your purchases. Don’t be a card counter. If you have multiple cards, it can be tempting to spend more than you intended. Also, it makes your wallet fat which makes for uneven seating and back problems down the line. Simplify your life, stick to a single card, and keep the credit limit sensible. Consistency Pays Off. This simple step will help you avoid additional interest charges, and it’s an effective way to build...