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5 Do’s & Dont’s Of Holiday Shopping

5 Do’s & Dont’s Of Holiday Shopping

Holiday season is upon us and that means two things, a bigger waistline and a smaller wallet. Whether we’re travelling, partying or buying gifts for family, friends and “more-than-friends”, it’s the most expensive season of the year.

With so much enthusiasm for the holidays, the average person expects to spend upwards of $805 during the holiday season with $460 spent on gifts for family members, according to the National Retail Federation’s 2015 Survey. But just because we’re willing to spend, doesn’t mean we should spend carelessly. Here are a few tips on the do’s and dont’s of holiday shopping, to stretch your dollars even further.

The 5 Holiday Shopping Do’s:

1. Make a Budget

Before you head to the mall, or Amazon, first establish your total budget for the holidays. Then, write a list of all the people you need to buy gifts for. Now, divide the number of gifts into your total budget, and that will tell you how much you have to spend per person. For example, if you have a total budget of $500, and are buying gifts for 10 people, that’s $50 a person. Now you may decide to spend more on certain people over others, that’s fine, just make sure to then reduce your budget for the others appropriately.

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2. Be Opportunistic

Give yourself some flexiblity. Start shopping early enough to take advantage of deals, like Black Friday. Do research online, and price shop. Also use online shopping apps like PriceGrabber.com, that let you compare prices across different retailers and automatically send you notices of price drops for your target gifts. Doing all your shopping on one day, in one mall, can really limit your savings opportunities.

3. Do The Double Discount Dip

You know the 15% discount or $30 credit you get for opening up a new credit card at the point of sale? Those could add up to significant savings, especially when their combined with items which are already on sale! While most folks will tell you to avoid them like the plague, the fact is, if you pay off the cards right away, it’s found money. Just make sure you have the discipline to pay off your balance completely in the first month, if you can’t trust yourself take a pass on this strategy.

4. Get Free Shipping

There’s no sense spending the time to find a 20% discount on a $50 item, if you’re going to be charged $17 in shipping. Always make sure to shop on sites that offer free shipping, and if there are minimums, see if it makes sense to bundle a few gifts together to get the discount. Also make sure you shop early enough so you don’t have to spend extra on shipping to get it delivered in 2 business days.

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5. Get Rewarded

This is one of the seasons where you’ll be spending the most throughout the year. Get rewarded for it and use a rewards credit card for all your purchases. Whether you want to use a cash back credit card or travel rewards card is up to you, but used properly you should get between 2%-5% in earnings from a premium credit card and 1% with a no fee rewards card. Using your credit card may also give you purchases assurance, protecting you from damage or theft for 90 days after your purchase.

The 5 Holiday Shopping Dont’s

1. Avoid Spending More Than You Have

The holidays are supposed to be festive occasions. Putting yourself into debt to buy someone a gift is no one’s idea of fun. Stick to your budget. The people you’re buying gifts for are presumably friends and family – they don’t want to enrich they’re lives at your expense. If they do, find some new friends.

2. Don’t Be Cheap, Be Frugal

There’s a difference between being cheap and frugal. Being frugal means you’ll do the work to find the cheapest price for an item. Being cheap means you’re willing to sacrifice quality for price and get a poorer quality item, just because it’s cheaper.

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3. Don’t Buy It, If You Can Make It

I don’t know about you, but my most memorable gifts have always been the ones that were made for me, like a blanket knitted by my grandmother. While that may be unrealistic for many modern adults, it’s certainly something we can ask of our kids. Instead of giving them money to buy us something, why don’t we ask them to give us a non-monetary gift, like a painting, a video, a hand written card, a photo album of their favourite family pictures, etc…

4. Be Wary Of The Non-Returnable

Getting items on sale can be dicey, since many are final sales. Unless you’re positive it won’t be returned, you may want to hold off on the purchase. A final sale means you cannot return or exchange the gift. Spending all that money, only to find out you bought the wrong sized shirt, or a video game your nephew already has, is frustrating. So either avoid non-returnable items, or make doubly sure it’s the right gift.

5. Don’t Pay For Return Shipping

Let’s face it, not every gift is a success. However, with so many purchases now made online, returning items is more common and trickier than ever. Make sure whoever you buy from online, does not charge you a shipping cost for returning or exchanging items – this is especially true of clothing, where sizing is so uncertain. Finding retailers like Walmart, Zappos, LL Bean & Nordstrom that offer free returns is essential.

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The holidays are meant to be fun. Your kindness shouldn’t be a financial burden. Set yourself a budget and do the best you can within your means. Most of all, use the time off during your holidays to create unforgettable moments with friends, family and loved ones! Time well spent is the most precious gift of all.

Featured photo credit: Women with high heels and shopping bags – Three girls sitting on stairs and chatting after buying presents ,oneinchpunch via shutterstock.com

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Marc Felgar

Marc Felgar is an aging, health & senior care expert focused on improving the lives of mature adults.

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Last Updated on July 2, 2020

Simple Hacks on How to Relieve Neck Pain Fast (and Naturally)

Simple Hacks on How to Relieve Neck Pain Fast (and Naturally)

There is very little in life as annoying or distracting as neck pain. Most people find that neck pain is temporary. What can you do if your neck pain seems chronic or if it comes and goes with no obvious source?

Whether you have simply slept on your neck wrong or you are working late, hunched over a keyboard half the night, neck pain is, well, a pain in the neck!

What most people are unaware of is that there are little known hacks that can help you find relief from neck pain fast and naturally. This means no pills or expensive exercise equipment to buy.

How can you get relief from neck pain?

There are several easy steps to follow to find the perfect hack for solving your neck pain fast and easy.

How Did I End Up With This Pain in the Neck?

Neck pain often has an I-was-looking-right-at-it source that we don’t recognize at first glance. Once you identify the source of the pain, you can take the best corrective measure, or several measures if need be!

Ask yourself these questions to find a possible source:

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  • Do you spend much of the day sitting (desk job, typing, etc.)?
  • How old are your mattress and pillow?
  • How much exercise do you work into an average day?
  • How do you manage stress?
  • Have you been injured or in an accident (no matter how small) lately?

Perhaps one last question to ask yourself might be, “Is my pain a regular occurrence, or is my neck pain something that has just cropped up?

Once you know the answers to these questions, you can start searching for answers.

Remedies for Neck Pain

Once you know the source, try tapping into one (or several) of these solutions to start healing your neck pain now.

1. Everyday Activities

One of the important factors with neck pain will be your everyday activities. Other than an injury or accident, one of the largest factors for neck pain includes working overtime in an office and the stress that work entails[1].

Due to the coronavirus, many people find themselves working from home, in kitchens, basements, using a barstool, and/or other equipment that was not designed for humans to spend hours on end, typing and looking at a computer screen.

If you find that your neck pain has occurred during the past few months due to a job change, or if you suddenly began working from home, your issue may be due to ergonomics. Invest in an adjustable office chair to help make your workspace more neck-friendly.

2. Age of Mattress and Pillow

The age of your mattress and pillow should also be considered. Pillows, on average, should be changed every 3 years, and a mattress every 7-10 years. No matter how good or comfortable you think these items are, the truth is that they are hurting your neck and back with a lack of support.

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A good mattress is well worth the investment, and pillows are always on sale, as well as wallet-friendly. If you haven’t tried them, a water-filled pillow can be comfortable for many people.

3. Exercise/Movement/Stretching

It’s that old exercise question that no one wants to hear. This time around, it has been difficult for many people to get in good exercise since they have been housebound due to the quarantine. There are plenty of ways to get in some good, old-fashioned exercise.

Stretching exercises are even more important than before since many people do not get enough movement while sitting at home. There are hundreds of at-home exercise, dance, and yoga videos that require little to no equipment, so even if you’re a beginner, give it a go.

4. Stress and Stress Management

Stress is a hidden danger that robs more people of health than even most doctors realize. While everyone has stress, not everyone recognizes it, nor do they have a means of managing it. Exercise is one of the best ways to release stress, with meditation and yoga being the best ways to manage and relieve stress. All of these will remove tightness in the muscles and relieve neck pain.

5. Accident or Injury

If you have been involved in an accident or injured yourself lately (falling down, or having something fall on you, for example) and your neck pain began after this incident, you should speak with your doctor about this as soon as possible.

6. On-Going Problem or Sudden Occurrence

Finally, if your neck pain is something that has occurred recently, it could simply be that you slept on it wrong or turned your neck too hard. That will make this a very temporary condition. You can try some easy stretches for pain relief .

An on-going problem, however, might respond better to some other alternative methods, including:

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  • Slowly moving and stretching your neck. Do not move too quickly or too far. Roll your head from side to side, shoulder to shoulder, to the front and to the back.
  • Ice packs work well for some people, while heat works best for others.
  • Be aware of how you use your cell phone or tablet. If you keep your neck bent downward for too long to look at it, you can develop an annoying pain called text-neck or tech-neck. Take breaks and look up to stretch those neck muscles.
  • Long hours driving can also be hard on the neck. Look from side to side as far as you can, as well as up and down to prevent a stiff neck.

 

Still Have Tight Neck Muscles? 3 Tips for Finding Relief

When tight neck muscles are not responding to the typical heat, ice, or massage treatments, you might want to give the following a try:

1. Gua Sha

This is an ancient Chinese practice that might seem a bit odd, but it works for many people. In this practice, a trained individual uses a spoon or other object and makes short strokes down the neck. It is believed that poor blood circulation causes it to become stagnant, if you will, and blocks the positive energy needed for life, called qi.

Fresh blood will indeed allow oxygen and nutrients to feed the tissues in a given area, and one study found that gua sha worked where traditional methods, such as heat therapy, did not[2].

2. Swimming

You probably know that swimming is a terrific low-impact exercise that works wonders for those with back and knee pain, but did you know that it also works well for neck pain and tight muscles? It helps if the water is tepid and not cold, but even just floating on your back can offer tremendous relief since most of the body weight is suspended by the buoyancy of water.

3. Chiropractic Massage

Not your typical day spa massage, chiropractic massage is performed under the guidance of a chiropractor. A trained massage therapist will still do the massage, but this time, the chiropractor will have discussed your neck pain and any problems you might be having with them. Many people have found real relief from neck pain through chiropractic massage.

The Best Treatment for Neck Pain

When you need to find relief from neck pain and nothing you have tried previously seems to give you more than a few minutes of relief, spending some time with a chiropractor often times can fix this issue, and it doesn’t often return if you follow a healthy lifestyle.

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I’m certain that many of you are thinking about those awful videos with those loud cracking noises you’ve seen on social media, or you are recalling a news story which might have suggested that allowing a chiropractor anywhere near your neck might be a health hazard[3]. Nothing could be further from the truth.

You should try the other suggestions in this article before you head off to the chiropractor, but when all else fails, don’t let neck pain nag you day in and day out. Take steps to make an appointment, and you will be surprised at the results.

What Can a Chiropractor Do for Neck Pain?

Many people mistakenly believe that the only technique a chiropractor will use is a neck adjustment. Chiropractors are trained in a variety of methods that are designed to help you find the pain relief you are seeking.

A few of the methods a chiropractor might use include:

  • Cervical Manual Traction
  • Flexion-Distraction
  • Cervical Mobilization
  • Ultrasound
  • Cervical Drop Technique
  • Trigger Point Therapy

There are many more options, but your chiropractor should explain to you which techniques s/he intends to use and why[4]

The Bottom Line

If neck pain wreaks havoc in your life regularly, the best way to stop it is to identify the source and attack it from that angle.

Getting plenty of exercises, having a proper posture, and buying an office chair that provides plenty of support, as well as a regular stretching program, will keep your neck strong and flexible for many years to come.

More Tips on Healing Neck Pain

Featured photo credit: Christopher Campbell via unsplash.com

Reference

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