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Tips You Must Know for Online Holiday Shopping

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Tips You Must Know for Online Holiday Shopping

Holiday shopping is all about being in the know. Sales occur, but they can end as quickly as you find them. This also extends on the fact that certain deals can get better over time. The saying, “the early bird gets the worm” doesn’t hold as much as it used to. There are even times when sales are even better at times you wouldn’t have normally expected. We will take a look at the importance of timing, pricing, deals, and research in shopping smart this year.

There’s a Time for Everything – Free Shipping Day!

Extending on the point I mentioned earlier, holiday online shopping is all about timing. Almost every type of item has an optimal date around it. We are currently at a time when Black Friday, Small Business Saturday, and Cyber Monday have long passed. The next hot shopping day is actually Free Shipping Day on the 17th of December.

However, in my opinion, the namesake isn’t the reason why I recommend it as a hot shopping day. This year, and much of last, as been a time where free shipping is sort of expected from a retailer. Every website I personally have purchased from have offered free shipping. So how else can the 17th be good? Many of these retailers may also tack on a certain percentage off to further your savings and to make the say more worthwhile.

As for specific products, the week of free shipping day is one that I have found to be a great time to purchase your big ticket items, like electronics. Things like clothes toys, and other similar items are ones there shouldn’t be sweat over. They are your quintessential holiday shopping items that retailers will make available throughout the season at a good price.

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Ensure that You Are Secure

Identity theft and fraud are a big issue during holiday shopping. More individuals than ever are pulling out their credit cards and signing into PayPal to make their purchases. For this reason, online shopping is even more vulnerable to theft.

There are a couple of things that you can do to ensure that you are safe this year. First off, make sure that you are shopping in a safe network. This means that the WIFI you are using is familiar to you. If you are traveling, make sure that the WIFI is one that the hotel requires a password for.

Once in a safe network, make sure the website is safe by ensuring there is a security lock there. This is done with the “https” added before a website link. Facebook already has this and almost every big name shopping website does as well.

Lastly, if you must shop in a public network, ensure that you don’t set “Remember my password” when signing in and ensure that you not only sign out, but also quit the web browser when done.

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Mind Your Calendar – Stay Updated

We mentioned earlier that there are key times throughout December where you are more likely to get a certain deal. However, aside from this, other reasons to make sure you know the date is because of something much more important – shipping.

As I am writing this article, I am in shock at how close some deadlines are. The mean deadline for free ground shipments to arrive by the start of your holiday is between December 14th and 17th. While many providers allow you to ship up until the 24th for some locations, others have a December 19th deadline for 2nd or next day shipments.

Just because it says next day doesn’t mean it will get there the next day at this time of the year. They are backed up with orders and it’s safer to always add three to four days for your 2nd day shipping.

Get Paid (or Benefits) for Shopping

It is very possible to get some form of benefit from shopping online at certain websites. eBay is a great example of this. The website has a program known as eBay Bucks. On most products, there will be an icon stating how much you’ll get in eBay Bucks based on how much you are paying. There is also a way to gain more bucks from other things you to (for example, signing up for trials through Blockbusters or booking your flights). I easily gained a good chunk of change from shopping online that I can use in the beginning of January for things on eBay.

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Other options you can have is through cashback programs available through your credit cards or websites (American Express is a great example I have used). Also, Amazon Prime is a third program you should look into signing up for. The membership gives you the ability to have free shipping on most items as well as other benefits.

One success story I have had with Prime was when I purchased a book for a family member’s birthday. Turned out, they not only already had the book, but finished it. I went to return it and due to being a Prime Member, I was able to get a refund and keep the book (sitting on my bookcase as I type this). The $7.99 a month membership fee is worth it, especially for frequent purchasers.

Compare Before Your Buy

My last tip for today is to compare before you purchase. No, I don’t mean compare items, chances are you are already dead set on the item you want to purchase, and it’s not my job to sway you for a different product. That’ll be my job for other articles.

I mean you should compare shops before you buy. For example, I’m purchasing an iPhone 5 for myself this year. While I was set on purchasing through Apple, Best Buy has a special where you can get a $25 gift card when purchasing your iPhone 5 through them. I will either use this to regift or will use it toward my LifeProof case ($54 after using the gift card!).

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Compare who to purchase your items from and see who will give you the best deals. Some have even found it beneficial to go through the purchase process until you get to the final checkout page before you card is charged – then exit out. They will notice you didn’t complete your purchase and will offer up deals for you to complete the purchase.

As you can see, there are many tips and secrets to ensuring that you get the best deal with your holiday shopping. Let us know in the comments below what tips you have already made use of for this holdiay and which tips you have that weren’t mentioned above.

Featured photo credit:  Beautiful shopping woman at a draw mall via Shutterstock

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Published on November 8, 2021

How To Achieve Financial Freedom With the Right Mindset

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How To Achieve Financial Freedom With the Right Mindset

What would being financially free mean to you? Have you made the mistake of thinking that financial freedom requires millions of dollars and decades of hard work? When it comes to our relationship to money, the answers really lie in our mindset. Change your mindset around money and your entire financial outlook will change with it.

And no: we’re not talking about putting a check for a million dollars under your pillow at night. This is about you becoming a financially free person, in whatever capacity you choose. And that’s really the key: it needs to be defined by you. So many people outsource this responsibility to society/celebrities/the government etc… and as a result never achieve it.

What if you could identify what financial freedom looks like for you, realize that it is possible to get there in a matter of a few months and then build a road map to do just that?

Read on, because that’s what we’re going to open you up to. This isn’t about giving you specific strategies “guaranteed to work in five minutes or your money back…blah blah.” This is about awakening you to just how powerful you are, where your blocks lie and how to smash through them effectively.

Financial Freedom – What is it?

Well like I said: I’m not going to define this for you. That misses the whole point of this article, but let’s lay out some ideas to get you started.

Typically, when we talk about financial freedom in the west, we really mean: freedom from needing to work, in order to meet financial obligations. We know that there has been a rise in depression amongst nine-to-fivers, 62% as a matter of fact between 2019 and 2020 in the USA.[1] It’s therefore no wonder that there has been correlative uptick in the search for alternative solutions to finances.

This depression is largely as a result of feeling trapped, unable to realize potential and being denied opportunity. It is also likely that, thanks to a more global world and social media: we see just how abundant life can be for some; like a carrot dangled tantalisingly close, but just out of reach. We yearn for more meaning in our lives, more excitement and to be able to live on our terms.

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Finances are (as we see it) the stumbling block and the preserve of the chosen few…not us.

So to start building an accurate picture of what financial freedom would be for you, begin with what your life would look like if you didn’t have to worry about money. How would you feel if you didn’t have to consider your monthly budget, when putting your hand in your pocket to pay for lunch?

The point is that a lot of the stress and resulting depression that comes from feeling like a ‘wage-slave’ is down to our lack of clarity on what we actually want. We get caught, focussing on what we lack and that perpetuates a mindset of lack that very quickly is reflected in our reality. We are allowing our subconscious, emotional mind to be bombarded with imagery every day that reenforces a sense that we aren’t good enough. That we do not have what it takes.

That wouldn’t happen though if we had done the work of pinning down exactly what we wanted in the first place.

Does Financial Freedom Come at Extreme Levels of Net Worth?

There is a tendency, thanks again largely to how we are conditioned through media, to think that financial freedom only comes at extreme levels of net worth. What if I told you that is completely ill-founded and untrue?

Using the standard/assumed definition of financial freedom for a moment; this means that you need enough capital to generate a return that is greater than, or equal to your monthly expenditure. That doesn’t necessarily tell the full picture, but nevertheless; it’s is a good place to start.

If your monthly outgoings (mortgage, bills etc…) come to $3,000 for argument’s sake, you can achieve that with as little as $108,000 invested over three years.[2]

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Hardly the millions you had probably envisioned is it?

Remember: we’re not talking about you living a lavish lifestyle necessarily. If that is what you want; fantastic, it’s certainly achievable, but what we’re getting at here is your ability to meet all of your financial obligations without having to work.

I’m sure you’re unlikely to find $108,000 down the back of your couch, but it is a figure that is well within reach of most working adults. A $36,000 salary opens you up to borrowing that kind of money, and even if you have to continue working in the short term in order to service the debt and keep up with your bills; you’ll have a clear end goal in sight.

And you’ll have doubled your income in the meantime, for the same amount of work!

How To Achieve Financial Freedom With the Right Mindset

As we touched on earlier, coming at your life from a space of ‘lack’ simply perpetuates more of the same. As I always say: your environment doesn’t lie. Look around you, if you’re dissatisfied with any aspect of your life, you first need to accept responsibility for it. If you don’t, you’re abdicating your power to make new choices.

You may well have been the victim of circumstance in the past, but how you respond and what you do with that experience is up to you. If you choose to look for the positive, however minor it might be in any given situation – your experience of life will begin to change.

This is, in essence, what The Law of Attraction is all about. What lies behind it is your reticular activating system (RAS). The part of your brain designed to filter out the (as it sees it) unless information, highlight the important information and prioritize your safety. Thanks to it being part of your primeval/‘lizard’ brain however, it predates the conscious mind, intellect and reason.

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The issue for a lot of us is that we haven’t understood how to communicate in a way that our RAS understands. We can’t translate our conscious desires and are therefore caught in a loop between two incongruous forces.

Our subconscious wants us to be alive and it bases its criteria for this, largely on the principal of: same = safe. Meanwhile, your quality of life, passive income, work/life balance etc… are inconsequential. That part of your mind doesn’t give a hoot about the utility bill or being able to afford a holiday.

It is perfectly possible to show you subconscious/RAS the benefits of financial freedom though, or indeed any other outcome you’d like to see in your life. You just have to speak its language. Becoming debt free and financially free is actually one of the easiest things you can communicate to your subconscious, because you have so much ‘real-world’ experience with money.

Here’s how:

  1. Start by clearing your mind and being present – find a meditation, visualization or breathing exercise that calms your mind, allows you to focus on the present moment and become an observer of your surroundings. The point of this is to stop all of those thoughts buzzing around in your head that are pulling you back to the past, or projecting you into an imagined future.
  2. Then build a mental movie or slideshow of what your average day would look like, were you to achieve financial freedom. We’re not talking about big occasions, huge wins or events; just an average day.
  3. From your position of present observer – start to observe the feelings that arise as you go about this average day in your new life. Do you feel your shoulders relax and drop? Have you got excited ‘butterflies’ in your stomach? Are you smiling more?

Learn to recall these feelings at will – this will connect the dots for your RAS and you will soon start noticing a shift. Think of it as connecting with your desired future and pulling it into/towards your present.

Bonus Hack – Practice Gratitude

We’ve already discussed how you can start attracting/observing the opportunities that will enable you to achieve financial freedom. This involves a lot of work in order to finesse, but the principals are easy enough to understand. Something that we can all do, no matter what we’re trying to achieve, is practice gratitude.

Using the same principals that I’ve outlined above: something of a ‘catch-all’ that we can train our minds to produce more of, is gratitude. If we can shift our mindset so that the next time some negative, external and unforeseen event occurs, we are still able to be grateful for it; your entire experience will shift.

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Not only will you observe more to be grateful for all around you on a daily basis, but you will shift out of a mindset of ‘lack’. All of the barriers that stood in your way before (not enough capital, stuck in a job I hate etc…) they will shift to becoming things that support your desires and goals.

For example:

The job you hate, when reframed as the means to support a transitional stage of your life (i.e. enabling you to borrow money to invest) suddenly gives you a resource to be grateful for.

The added beauty of this is that your RAS doesn’t know the difference between a big win and a small win. You being truly, deeply grateful for your socks (for example) carries the same weight as being grateful for your health, or your spouse. This is why I say “practice” gratitude. You can start whenever you want!

Look around you right now and find something that you really are grateful for, no matter how small and seemingly inconsequential.

Practicing this will create a snowball effect. Much quicker than you might think: you’ll be overwhelmed with gratitude for your life and all that’s in it.

In Summary

Financial freedom is more within your reach than you probably think or feel. Understand that the limits you’re assuming to be there are largely a product of your subconscious mind, having been drip-fed evidence of that over the course of your lifetime. Changing that might take a lot of effort in the short-term, like cranking over an old car, but the effects will begin to build up quickly and self-perpetuate.

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Apply this mindset to your financial situation and you will find that it too will begin to ‘snowball’. Financial freedom is closer than you think, so start looking for it today!

Featured photo credit: Pepi Stojanovski via unsplash.com

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