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A Random List of Unique Gifts

A Random List of Unique Gifts

As the holidays roll around, you might start stressing when it comes to gifts. Special gifts, white elephant gifts, clever gifts—where do you begin? Well, first, don’t overthink it. Think about the person you’re getting a gift for, and the things they enjoy. And to help you out, here’s  a list of unique things that may inspire you.

1. Print someone a book online

If you’re looking to do something really thoughtful, try making a book. Bookemon.com allows you to create a book from different formats and templates. It could be any kind of book – a children’s book, a recipe book, a scrapbook, a book that’s all words. It’s all online and prices start at $10, but keep your eye out for specials.

2. An awesome mug

A cool thing about mugs is that you can find all kinds of them. Funny ones, colorful ones, totally random ones, ones for book lovers, music lovers, science fiction lovers, sports fanatics, or coffee aficionados. Another cool thing is that you can find them anywhere.

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3. Bacon things

If you know anyone who loves bacon and appreciates a random gift they can laugh at, think bacon. Bacon air freshener, a bacon wallet, bacon band aids. Or, if you need a white elephant gift, maybe some bacon toothpaste?

4. An Irish accent

Need another white elephant gift, or perhaps a funny stocking stuffer? Try some Instant Irish Accent Gum. Why not, right?

5. This thing called a Fondoodler

This totally random thing allows you to draw stuff. With cheese. I recommend this for people who enjoy cheese; it can be used to write cheese-letters or draw fun things on food. That sounds like a whole new level of cheese-awesome.

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6. A website domain

Anyone you know want to start a website? Why not buy a domain for them? You can buy a domain name for $10/year on GoDaddy, As for creating the site, there are lots of site-building hosts to choose from, such as WordPress, Wix, and Squarespace, and Bluehost offers coupons for hosting services.

7. A personal library kit

For all your book-loving friends out there who love to share their books with friends, but whose friends take forever to give those books back, they might be in need of their own library kit. It comes with its own return date cards, and a date stamp and ink, so they can stamp a due date on it. Now you have no excuses.

8. A T-shirt quilt

If someone you know has a lot of T-shirts that they don’t wear, but want to keep for sentiment’s sake, something else that might be thoughtful is a quilt made from all those shirts. You could look up a pattern and make it yourself if you are craft-inclined, or you could send all those T-shirts off to a company that will do it for you.

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9. A witty notepad

Why use a regular, boring notepad, when you could use a witty one, specifically designed to make writing your to-do lists, reminders, checklists, and notes more fun and interesting—especially if the recipient enjoys a sarcastic wit. My dad cracked up when I got him a “Crap to do and Crap to buy” notepad for Father’s Day.

10. A trip to Las Vegas

Vegas is known for its night life, casinos, and many themes. So, if you can’t decide whether to go on a holiday cruise, or travel abroad, or go to another state, take a trip to Las Vegas. With all its different themes, it’ll be like visiting multiple places at once.

11. A car seat cover

If you know someone who would want to cover their car seat with a nifty pattern, by all means, go for it. This could also work as a white elephant gift.

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12. A book-lover’s candle

If you or someone you know enjoy the smell of old books, bookstores or libraries, or want to find out what Sherlock’s study, the Cliffs of Insanity, or Dumbledore’s office smell like, those scents are now available in candles.

13. A picture-frame chalkboard

I’m sure you can buy something like this somewhere, but I’m going to suggest you make one. Just buy any size picture frame you want and a small can of chalkboard paint; all you do is paint the glass part of the frame. When it’s dry, put the glass back in the frame, and you’ve got yourself a chalkboard. I recommend using a smaller one that be set on a desk or tabletop—somewhere someone might want to leave a note.

See? No need to stress about finding the right gift. The holidays are about spending time with the people you love, so if you focus on them, you’re bound to find something they’ll love—no matter how unique the gift.

Featured photo credit: Jennifer C. via flickr.com

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Last Updated on June 6, 2019

The Average Retirement Savings and How to Save Wisely

The Average Retirement Savings and How to Save Wisely

Are you on track for retirement?

If not, don’t worry, I’m not sure either. I save each month and hope for the best.

Fortunately, I’m at an age where most people don’t save so I’m ahead of the curve.

But, what if you aren’t in your 20s? What if you’re near retirement and are looking to gauge where you stand?

If so, keep reading. Here’s how to prepare for retirement and save wisely during the process.

What Does the Average American Have Saved for Retirement?

Saving for retirement is tricky.

Tell someone straight out of college to save $10k a year for retirement and it’ll be next to impossible.

Make the same request to someone decades older and they’d be more likely to be able to save this amount. But, a 20-year old college student can be “financially ahead” of someone saving more than them. Why?

Age matters in your financial journey. The younger you are, the more time you have to save and put compound interest to work. As you get older and have more saving power, you’d have less time to put compound interest to work.

Here are the average savings Americans hold by age bracket:

20’s – $16,000

During this stage, most people are paying loans and moving up the corporate ladder. Your best bet during this stage is to focus on eliminating debt and increasing your income. Don’t focus only on getting a high-paying job neither.

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Instead, focus on learning via Podcasts, reading books, and taking specialized courses. Doing this will make you more valuable and give you more career options.

30’s – $45,000

At this stage, you’ve hopefully escaped your entry-level salary and work at a career you enjoy. Your earning power has increased but you now have more obligations. For example, marriage, kids, and a mortgage.

Set a plan to pay off all your debt and focus on eliminating unnecessary expenses. Leverage financial tools like Personal Capital to ensure you’re on track for retirement.

40’s – $63,000

This is the stage where you’re at the prime of your career. Top financial institutions recommend you have at least 2 to 4 times your salary saved up. If you’re falling behind, start maxing out your 401K and Roth IRA accounts.

50’s – $115,000

During your fifties, you’re close to retirement but still, have time to save. You may be helping your kids pay college tuition and other expenses. Since you’re at the peak of your earning power, max out all your retirement accounts.

60’s – $172,000

By this point, you should have about eight times your salary saved up. If not, you’ll depend primarily on social security benefits averaging $1400 per month. Max out all your retirement options as much as possible before retiring.

Ways to Save Money on a Tight Budget

The sad reality is that most Americans aren’t saving enough for retirement.

Even high-earning power isn’t enough to secure one’s financial future. You need to have the discipline to save for retirement while time is in your favor. Don’t wait for you to have a high salary to save, start with having a small budget.

First, get a clear picture of where you stand. Write down a list of “needs” and “wants.” For example, Netflix and Amazon Prime are “wants” and a “cell-phone” is a need.

Use tools like Personal Capital to analyze your spending patterns. Personal Capital allows you to add all your financial data in one place–making it a powerful option to gauge where you stand.

Once you know all your expenses, organize them from highest to lowest expense. When you can’t cut more expenses, call your service providers to negotiate a lower price. If you’re not good at negotiating, use services like Trimm to lower your monthly expenses.

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How to Save Money Each Month

By this point, you know the average amount of money you should have saved for retirement based on your age.

But, breaking this down into monthly goals can be challenging. Here are some rule of thumbs to follow:

Aim to contribute 10%–15% of your salary each paycheck. Review your progress each week.

Why so often? The reality is that life gets in our way and you will have many financial setbacks. Your goal isn’t to be perfect but to get back on track instead.

Reviewing your finances weekly lets you know where you stand with your retirement. This doesn’t have to be a long process either. All it takes is login in Personal Capital to view your net worth and check how much you have saved for retirement.

Turn saving into a game and aim to save more each month. It will get challenging but you’ll get creative and find more ways to save.

Top Money Saving Challenge Tips

To prepare for your financial future and not be another statistic you need to be different.

How?

By adopting new habits that’ll help you become a saving machine. Here are some ways you can save more:

Automatically Contribute Towards Retirement

If you’re working for a company, you can automatically contribute towards your 401k. If you’re not currently contributing more than 10%, make this your goal. Contribute 1% more today and automatically increase this amount a year from now.

Odds are that you’re not going to be negatively affected by contributing 1% more. Many times we spend our money on things we don’t need. Contributing more towards retirement is a great way to secure your financial future.

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Use the Right Tools to Know Where You Stand

Once you’re contributing more towards your retirement accounts, gauge your progress. Make use of finance tracking apps to help you view the big picture of your retirement.

When I’d first signed up for the app Personal Capital, I didn’t know I had a negative net worth. Despite saving thousands of dollars, my debt brought my net worth to the negative. Knowing this motivated me to save more and spend less.

Now, I have a positive net worth. But, it was because I was able to view the big picture using the app. Find out what your net worth is using a finance tracking app and you may surprise yourself.

Bring in Experts to View Your Blind Spots

If you have too little or too much money saved, you should consider hiring financial experts.

Why?

You may need someone to hold you accountable to help you reach your financial goals. Or, you may need help managing your money as effective as possible.

Regardless of the reason, getting help may help improve your financial situation.

Before you hire an expert, find out which areas you need help the most. For example, if you’re constantly overspending, find a debt counselor. If you’re struggling with choosing the best investment options, hire a financial advisor.

Speed up Your Retirement Contribution

After learning how to manage your money well, the next best thing is to earn a higher income.

You’re capped at how much you can save but not much you can earn. Even if your employer isn’t giving you a promotion, you can still take charge of your financial future. How?

By starting a side-business.

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This will be something you’d work on after you’ve finished your day job. Once you start earning income from your side-business, you’ll be financially better off.

The best part is the more work you put into your side-business,[1] the more potential it has to earn more money.

So start a side-business in an area you’re familiar with. For example, if you enjoy writing, do freelance writing for small e-commerce businesses.

Once you’re earning a higher income, you can contribute more towards your retirement. Don’t wait for the right opportunity to secure your financial future, create one.

Reach Financial Freedom with Confidence

What if you were able to retire tomorrow with no problem, all because you’d have enough money saved up and little to no debt left to pay off? How would you feel?

My guess is that you’d feel happy and relieved.

Most Americans are falling behind their retirement goals for many reasons. They’re not prepared, they carry bad money-habits and are thinking short-term.

For you to retire successfully, you need to work backward and adopt better habits. Contribute more towards your 401K and focus on growing your income.

If you do, you’ll save money and pay debt faster.

Don’t beat yourself up if you’re behind your retirement goals. Take the first step today towards a brighter financial future. Isn’t retirement worth the hard work and sacrifice to be at peace?

Featured photo credit: Huy Phan via unsplash.com

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