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Thrifty Tips to Help you Save Money when Buying Clothes for the Family

It seems that the financial problems the country has faced over the past decade have actually got people thinking about saving money again. Sure, there are some people who are spending like crazy now that the economy is somewhat recovering. However, there are still people out there who have their own reasons to look for ways to save a little bit of money on the things that they purchase. Clothing can be incredibly expensive, so it is no wonder that people are looking for tips and tricks to help them save money when buying threads for the family. Here are some of our top, proven effective tips to save money on clothing purchases: Check out Yard Sales and Garage Sales There are some fantastic clothing purchase that can be made at neighborhood garage sales and yard sales. Some people outgrow clothing or simply decide to sell it for pennies on the dollar when they have their yearly yard sales. If you think that only worn, dirty or out of style selections are available, you may want to rethink your stance on garage sale clothing options. People will regularly put items up for sale that have never even been worn. Yard sale experts will tell you that time and time again they find fantastic, name brand apparel items with the tags still on them at standard yard sales. People often get clothes that don’t fit as gifts or simply don’t like the style of clothing that they have received, and they put it up for dirt cheap at yard sales. The author has personally seen Levi jeans that would normally sell for $50 at various yard sales being sold for a dollar to five dollars a pair. You can’t beat those kinds of deals. Check out the Clearance Section The big stores all have clearance sections that allow frugal clothes shoppers to find some real bargains. And those same stores will routinely put these items through two rounds of discounting before they just get rid of them. The key is to get to know the timing of these cycles at your… Read More

Create a Realistic Budget

Saving money is an important thing to everyone. One thing that will make it easier to save money is to have a budget. A budget must be realistic in order to work. It can be somewhat overwhelming to create a budget that is practical. It does not need to be overwhelming though; there are some things that you can do to help you to make creating a budget easier. Everyone’s budget will be different; there is no formula to make a budget that works for everyone. A budget is a personal thing that is meant to help you to save money and not overspend. There are default templates for budget, these are good and all, but do not assume that you can just use that. A default template for a budget is a good starting point, but you have to adapt it to make it work for you. You need to have realistic expectations for your budget. You need to make sure that you are putting an appropriate amount in each category you have. You need to make sure that you have accurate income projections as well as realistic spending amounts. You may want to try to save in a hurry and therefore put a small amount in any given category but if you actually need more than that amount you will not have a realistic budget and it will not work. One thing that cannot be overlooked is that you need to regularly review your budget. This is an important step in the budget making process. You should review your budget every month when you first create it. That way you can adjust anything that you need to. After you spent a few months without needing to adjust it you can wait a couple months to review it again. You must review your budget every so often so that you can adjust what you need to in order to get your budget where it needs to be. A budget will help you to track your spending patterns. This means that you can see where you spend money and where… Read More