Wednesday, November 21, 2012

The $50 Christmas Budget

This article was originally published on www.onemoneydesign.com.

The $50 Christmas Budget

The $50 Christmas budget is a true story … AND it’s a love story.
Every husband (and wife) who has ever said, “Just make me a Christmas list, and let me buy what’s on it” needs to read this.
It’s a fact that most people spend hundreds (even thousands) on Christmas gifts.
Most of us want all the thrill of giving and receiving gifts, but the price tag is rarely worth the return on Christmas day.
As a wife, most of us expect our husbands to possess some sort of mental gift-giving telepathy. I want to feel that my husband knows me well and wants to give me gifts. In my mind, his selection of gifts reflects how well he knows me.  We think husbands should know what we want intuitively. But of course, they don’t.
The $50 Christmas Budget

And I don’t want to give my husband a Christmas shopping list, either! But I know what’s on my list. Maybe I could just go out and buy the stuff myself!?
A few years ago I noticed that my husband’s gifts weren’t reflecting how well I wanted him to know me. He gave nice Christmas gifts: a pair of diamond earrings, a leather handbag, gift certificates to spas, and so forth. But these gifts didn’t feel personal. I felt he often selected whatever the sales clerk wanted him to purchase.
I wanted to rein in the Christmas budget AND I wanted my husband to really care about the gifts he was selecting. I wanted to feel he was selecting something especially for me.
My solution: Set a $50 Christmas budget.
You’d think that lowering the Christmas budget from that which could purchase diamond earrings to that which could barely purchase a sweater would mean poor gifts and possibly disappointment.
Not the case!
I purposefully wanted to limit what each of us spent on each other so that we would focus less on the commercial aspect of Christmas and more on learning more about each other and listening to one other.
I relayed my Christmas budget plan in a whirlwind of excitement, “Guess what we’re going to do this Christmas?”
His reply, “No problem; I’ll just go to the dollar store.”
“Wait a minute … let’s set some rules,” I quickly replied.

The $50 Christmas Budget Rules

Each gift must be something the other person would really want. It must reflect their hobbies, interests or personality. No generic gifts!
One more rule: the gift giver had to write the cost of the gift on the tag!
The First Gift Under the Tree
I got right to work. I filled out online surveys for free magazines and gifts cards and received a year’s subscription to The NewYorker and Savour Magazine. My husband loves to read and loves to cook so these were great gifts. I wrapped the first issues of the magazines along with the gift cards and my gift tag read, “free.”
Let the competition begin!
Not to be outdone, my husband felt the heat. The $50 Christmas budget became a game. Who would get the best gifts at the best price?
His first conquest was a rhinestone brooch purchased at an antique/junk shop. He had to talk the owner down from $15 to $7. After all, he only had $50 to spend.
This was truly an act of love (or competition) on my husband’s part because he would NEVER have bargained so fiercely before. Knowing I love to get a great deal and am a sucker for sparkly jewelry, the antique rhinestone brooch scored big points!
On Christmas day, I had 9 gifts under the tree. He had 7. With every gift was the thrill of hearing the story behind it. He proudly told where he went to get it, why he selected to purchase it, and if he had to strike a bargain to stay within budget. He was so excited to give me his gifts, and I loved every one of them
It was the best Christmas ever! For 10 years since, we referred to that Christmas as the “$50 Christmas.”
It was a bit of work. We took the time to reflect on each other and went out of way to do things we wouldn’t have normally done.
This year, after 15 years of marriage, we’re returning to the $50 Christmas budget. What fun it’s going to be!

Tuesday, November 20, 2012

Black Friday Deals!

It is almost black Friday! Are you ready? Have you planned your early morning shopping? If not, here is a summary of some store in this area and deals they are offering. I have highlighted some of the better deals.

Target: Doors open at 9:00 PM on Thanksgiving Day!
Target Black Friday Catalog
-XBOX 360 Kinect bundle for $199.99 (save $100)
-Nikon L310 Digital Camera for $99.99 (save $100)
-Westinghouse 50" 1080p LCD HD TV for $349
-Free Target gift cards for almost any apple product purchased ($50 if you buy an iPad)
-Wii System bundle $119 (comes with a Wii and "Just Dance Kids 2")
-Tons of DVDs on sale starting at $1 each!
-6 foot pre-lit tree $30 (save $35)
-Faberware 18 piece nonstick cookware set $39.99 (save $40)
-Dyson DC24 Multi-floor vacuum $269 (save $130)
-Free $10 Target gift card when you spend $50 or more in Apparel, Accessories, or Home!

Walmart: Doors open at 8:00 PM on Thanksgiving Day!
Walmart Black Friday Sales ad
Check the walmart ad for many more sales. Also, walmart is rolling out different sales at 8:00 PM, 10:00 PM, and 5:00 AM
-Vizio 60" LED Smart TV $688 (save $310)
-XBOX 360 Skylanders Bundle $149
-Wii console $89
-Tons of video games, DVDs, and Blu Ray on sale for $2 and up.
-Furby for $45
-Tons of toys on sale!
-5 gallon wet/dry shop vac $23.47
-14' trampoline with enclosure $159
Kmart: Doors open at 8:00 PM on Thanksgiving Day!
Kmart Black Friday Sales Ad
-All footwear buy one get one free!
-Cannon Powershot A2300 Camera $79.99 plus a free 8GB SD card!
-Save 50% on Craftsman tools!
-Tons of Christmas trees and decorations on sale 50%!

Big Lots: Doors open Friday at 6:00 AM
Big Lots Black Friday sales ad
-iHome Portable Docking Stereo System $48.88 (Save $50)
-All video games are buy two, get two free!
-Dan Rivers Standard Bed Pillow $2!
-Holiday gift sets $8 each (save 20%)

Kohls: Doors open at midnight on Friday
 Kohls Black Friday sales ad
Earn $15 in Kohls cash for every $50 spent
-Barbie VW Beetle and doll set $19.99 (save $40)
-Little Tikes 3-in-1 sports center $19.99 (save $20)
-Vivitar 12.1 MP Digital camcorder $59.99 (save $90)
-Tons of jewelry 50-60% off!
-Comforters on sale as low as $26.99 (down from $79.99)
-Throws in fun colors and patterns for $8.99
-Fiesta 5-piece place setting $24.99 (save $25)
-Lots of cute seasonal dinnerware and decor, up to 60% off
-Jar candles for $3.99 (save $7)
-Select clothes in all departments 60% off


Best Buy: Doors open at midnight on Friday
Best Buy Black Friday sales ad
-Samsung 15.6" laptop 4GB memory, 500GB hard drive $349.95 (save $225)
-$20 off all Roku devices
-Lots of TVs and laptops on sale
-Appliances are on sale, some with a savings over $1,000

Dicks Sporting Goods: Doors open at midnight on Friday
Dick's Sporting Goods Black Friday sales ad
They are releasing their sales ad tomorrow, Wednesday, November 21st.

Belk: Doors open at midnight on Friday
Belk Black Friday Catalog
Pick up their circular for several coupons throughout.
-40-50% off coffeemakers
-50-60% off shoes
-50-70% off jewelry and watches
-Buy 1 get 2 free on lots of mens clothing and accessories
-30-60% off gadgets

JC Penney: Doors open at 6:00 AM on Friday
JC Penney Black Friday sales ad
-$25 women's boots (save $25+)
-Save on women's clothing
-Save on kid's clothing and toys
-7-piece bedding set $70 (save up top $60)
-Cooks small kitchen electrics $8 (save up to $22)
-Men's coats on sale as low as $40

Amazon.com: Shop online anytime! These deals are available this week only
Amazon Deals Week items
Check back every day for new deals!
-Up to 50% off on electronics
-Big screen HDTVs for under $1,000

Don't forget to buy a newspaper on Thanksgiving for late-breaking door busters and coupons! Don't feel like fighting the crowd? Shop online! Many deals are available online as well. Happy hunting!
 
 

Thursday, November 15, 2012

Homes for Sale in the Jacksonville, NC area!

Check out these amazing homes that just hit the market! They will go quick! Message me today for your personal showing!

                                                                                    261 Bishop Dr
Featuring four bedrooms with lots of closet space, this home has plenty of room for everyone! The master bedroom features vaulted ceilings, a great closet and beautiful bathroom! The eat-in kitchen features upgraded cabinetry, Corian coutertops and lots of dining space. The formal dining room has new floors as well as chair rail. With over 3 acres, there is plenty of opportunity for outdoor activities. The yard has been completely sodded, fenced, and features landscaping, shrubbery and fruit trees! Lots of custom features and upgrades to this home. 

108 Courie Way


Super cute home conveniently located about halfway from New River MCAS and Stone Bay!!  Just a few minutes to shopping, beaches and military bases, and tucked away in a small community!  The home features three bedrooms with ample closet space, two bathrooms and a large open concept floorplan. Lots of cabinet space and updated appliances in the kitchen.  The backyard is completely fenced and has a huge shed!  The garage also features custom cabinets and shelving, perfect for the handyman or the pack rat! The home has been professionally cleaned to include the carpets and is ready for its 
new family!  Priced BELOW tax value, it's ready to go!

 

  219 Spruce Ct
This great four bedroom, two bath is priced to sell and move in ready! It features new carpet, fresh paint, new appliances, new countertops and much more! It is conveniently located close to EVERYTHING! Priced at $128,900, this house won't last long on the market!






442 Kenwood Dr
It doesn't get any better than this! Four bedrooms in an established neighborhood, minutes from New River MCAS, Camp Lejeune, and shopping for UNDER $130,000. Enjoy the benefits home ownership can offer for less than you're paying in rent with this meticulously maintained home. Featuring four bedrooms, lots of closet space,  one and a half bathrooms, new carpet, a large eat-in kitchen with updated appliances, ceramic tile floors in the bathrooms and a backyard oasis!

Tuesday, November 13, 2012

Tips for Holiday Travel

1. Avoid peak travel days: Do NOT fly on the Wednesday before Thanksgiving. Thanksgiving day is usually much easier and less stressful. On the return, Friday is much less busy than Saturday or Sunday. Christmas Eve and New Years Eve both fall on Mondays this year. That means, the Friday before will be extremely busy and over-priced. To save money and stress, pick off-peak days to travel.

2. If you have not booked your holiday travel, now is the time! The longer you wait, the higher prices will go. If you are holding out for a last minute deal, now is the best time to buy. The closer we get to the holidays, prices will only go up. The best advice I can give is be flexible with dates and times of travel.

3. Shop around: Cast a wide net to look for the best deal on airline tickets. Jacksonville (OAJ) tends to be more expensive than Wilmington or Raleigh. Try different websites to find the best deal out there. Also keep in mind that smaller airports, like OAJ, see less flights so they also see less delays.

4. Know your airports: Price is not the only factor to consider when shopping for airline tickets. Keep in mind parking, traffic to and from, rental cars and hotels nearby.

5. Plot layovers carefully: Make sure you have plenty of time for connections, taking weather delays and airport traffic into consideration. Try to connect in airports in warmer climates, as they are less likely to experience delay.

6. Leave early: Many airport delays come in the form of security and check in. You don't want to miss your plane because you did not arrive early enough. Strive to leave for the airport early. Plan for traffic and long lines.


7. Pack wisely: It is always a good idea to carry on luggage instead of checking in. Keep in mind restrictions on liquids in luggage carried on. This website answers many questions about what is and is not allowed on airplanes these days:  

http://www.independenttraveler.com/travel-tips/air-travel/airport-security-q-and-a

8. Use the web for more than booking: Print boarding passes at home, if possible. Consider doing your holiday shopping online and having your gifts shipped to your destination, rather than cramming Susie's doll and Jimmy's firetruck into your carry on.


9. Travel when no one wants to: Airports are much less congested when normal human beings would rather be asleep. Choose flights that depart early or late in the day to avoid delay.


10. Give package deals a try:
Over the holidays, it can be more than worth it to bundle your flight, hotel and/or rental car.

11. No matter how you choose to travel, allow plenty of time and bring your patience!






Thursday, November 8, 2012

Upcoming Events!

-November 10th: Swansboro by Candlelight 5-9 PM
This annual event luminates the streets of Historic Downtown Swansboro "The Friendly City By The Sea" into a beautiful warm glow as area merchants deck their halls with ribbons and bows. Refreshments & cider will be offered at all the unique shops for customers to savor. A great evening to come out and enjoy dinner at one of the wonderful waterfront restaurants and get yourself into the holiday spirit!
-November 10th: Holiday Craft Fair and Car Show 9 AM-4 PM
A portion of the proceeds benefit the Shriners and the American Legion Auxiliary. Free to attend. The Coastal Carolina Artists & Crafters Guild will host the Holiday Craft Fair & Car Show at the American Legion Bldg (Onslow Fair Grounds). You will find handcrafted items and unusual gifts for those hard-to-shop-for people on your list. Stop by the Gift wrapping station, and Kids shopping area where they can purchase items for Mom & Dad. Santa will be there - so get your Wish list ready. The Scavenger Hunt will have patrons stopping at every booth and a car show makes this a day of fun. Everything available to make your Holiday shopping list complete.
-November 12th: Military Appreciate Balloon Release 12 PM
Military Appreciation Balloon Release from the parking lot of Omega World Travel, located at 325 White Street, Jacksonville NC. Special presentation from local high school and door prizes. Refreshments on site. Contact Melanie Smith for more details (910) 455-9077. Come join us in showing support for those who serve!
-November 13th: Real Colors/Real Stress 8:30 AM-12 PM
This two-day course helps the participants gain personal insight on how stress impacts the individual personality temperaments and how to reduce stress for your unique lifestyle. Sessions include: Identifying stressors; impacts of change and stress; healthy coping ideas; improving interactions with others. Evidence based curriculum. FREE & Confidential. Open to active duty, family members, retirees, and DoD civilians. Childcare may be available upon request. Register online at www.mccsnr.com
-November 13th and 14th: L.I.N.K.S for Spouses 9 AM-1 PM
Looking for something new and different? Come and learn about the military way of life! This event is a two day workshop. Free and open to any and all spouses of our military branches. For more information, call 449-4676/5343.
-November 17th: Holiday Parade 9:45 AM
Come join us and celebrate together the 57th Annual Holiday Parade “A Coastal Holiday”.  The Holiday Parade will take place Saturday, November 17th. It will begin at 9:45am at Coastal Carolina Community College and continue down Western Boulevard to Brynn Marr Shopping Center. For more information contact Alejandra Hawks (910) 347-3141 ext 235. Hope to see you there!
-November 17th: Family Fun Run 9 AM-10 AM
Come run, walk or roll (bikes or strollers welcome) with us! Themed-attire encouraged, but not required. We will track time and distance run for each participant; a printout of you progress will be provided at the end of the year. Plus you’ll earn a FREE t-shirt on your 4th run as a Frequent Runner Bonus!
-November 23rd: Swansboro Christmas Flotilla 5 PM-9 PM
We bring in the season with lighting up the waterway with bright lite decorated boats. Indiviuals really show the Christmas spirit by registering their boats in the competion... what a beautiful site...you don't want to miss it...
-November 29th: Starting a Small Business 1 PM-4:30 PM
Ever dreamed of starting your own business? Don't let your dreams fade away. Local expert will lead you down the right path. This is a 1 day awareness workshop designed to give an overview of starting a business as well as an introduction to business planning.
Topics include: Factors to consider, Permits and Licenses, Developing a business plan, tax information, financing sources, where to get assistance, advantages/disadvantages of owning a business. Call (910)
449-4914 for more info.
-November 29th: Investment Basics 1 PM-4:30 PM
An interactive workshop designed to help individuals understand the process involved in savings and investment planning. Participants will explore how to develop and maintain realistic savings and investment goals. TSP rules, regulations, and benefits will also be covered. All ID cardholders can register for this free workshop, please call 910-451-9297. 

How to imporove/maintain your credit score

*Get a secured credit card: These cards build credit but are pre-paid. If paid on time, this will help re-establish the credit and credit score.
*Never seek out consumer counseling services, especially while in the process of applying for a home mortgage loan: This tells the credit bureaus that you cannot pay your bills and could negatively affect your credit.
*Demand negative credit that is 7 years old or older be removed from your credit report: The only item that will stay on your credit score for more than 7 years is chapter 7 bankruptcy.
*Have a good mix of credit accounts, credit cards, bank loans and finance companies: Open new accounts at least 6 months before applying for mortgage loans to avoid lowering credit scores.
*Have a lengthy credit history: Establish credit early and pay timely to build excellent credit.
*Your credit score does NOT go down when you check your credit or a bank does a credit scan on you.
*Instead of letting a relative help you buy a home, let them help you wipe out debt: They can help you improve your credit score and save you money in the long run!
*Another way relatives can help: They can provide gifts to help buy down the mortgage rate, either temporarily or permanently. For example, a gift of $5,000 to buy the interest rate down would lower the interest rate by about 1% for the entire length of the mortgage, for each $100,000 of loan amount.
*Relatives can act as co-borrowers for people with less-than-perfect credit scores. This will allow for better loan terms.

Monday, November 5, 2012

Veteran's Day 2012

It is fall and you know what that means! It is time for Veteran's Day and Veteran's Day sales!  I am passing along some deals, discounts, freebies and sales to help you celebrate!  If you hear of any others, please send them my way. 

*Free Veteran's Day Meals: 
(Drink and gratuity not included. Please bring military ID or proof of service)
-Applebee's: Free meal Sunday, Nov 11, 2012. Last year, Applebee's served over 1,000,000 free meals!
-Chili's: Free meal Sunday, Nov 11, 2012 from 11am-5pm.
-Denny's: Free all you can eat pancakes on Monday, Nov 12 from 6am-2pm.
-Golden Corral: Free meal on Monday, Nov 12.
-Krispy Kreme: Free doghnut on Sunday, Nov 11, 2012.
-Hooters: Free meal Sunday, Nov 11, 2012. Get 10 free wings, drink purchase required. 
-Little Caesars Pizza: Free Crazy Bread Monday, Nov 12, 2012.
-Lone Star Steakhouse: Free appetizer Monday, Nov 12, 2012.
-Max and Erma's: Free Best Cheeseburger in America Combo (includes tortilla soup or side caesar salad, seasoned fries and chocolate chip cookies) Sunday, Nov 11, 2012
-Outback Steakhouse: Free Bloomin Onion Sunday, Nov 11.
-Subway: Free Six Inch Sub, Sunday, Nov 11, 2012
-Texas Roadhouse: Free lunch, Sunday, Nov 11, 2012.
-T.G.I. Friday's: Free lunch, Monday, Nov 12, 2012. Must be in uniform, unless, of course, you are a Marine. :)
-Olive Garden: Free entree, Sunday, Nov 11, 2012

*Home improvement discount UPDATES:
-Home Depot: 10% off any purchase up to $,2,000. 
-Lowe's: 10% off total purchase up to $5,000.

*Free Park Admissions:
-Anheuser-Busch Parks: Active duty service members and up to 3 dependents may receive free admission to any of their parks once a year. These parks include SeaWorld, Busch Gardens, Sesame Place Parks and many more. 
-Colonial Williamsburg: Free weekend-long admission to active duty, reservists, retirees, veterans, and their immediate dependents from Thursday, Nov 9-Monday, Nov 12. This ticket includes admission to Colinial Williamsburg exhibition sits, art museums, and most daytime programs, as well as free parking and use of the shuttle bus system. Tickets are only available at on-site ticket sales locations. Tickets are also available to families of deployed servicemembers. 
-National Parks: Free admission to over 100 national parks from Nov 10-12. 

*Bed and Breakfast for Vets:
-This is the fourth year of the program. B&Bs for Vets has organized over 230 (and counting) participating B&Bs and Inns across the US and Canada which will be offering veterans a free night's stay on Nov 10, 2012, the night before Veteran's Day. For more information visit http://www.betterwaytostay.com/current-promotions/bbs-for-vets/
-There are several B&Bs in North Carolina but spots fill up fast!

*Sales:
(Please note I have researched the Jacksonville area only)
-Target has most Christmas decor on sale as well as clothes and plenty of toys. Plus they have Dunkin Donuts Pumpkin Spice on sale! (Don't expect to find any, however. I will be buying it all)
-Hallmark is having an open house. Buy those ornaments before they sell out! 
-Walmart has lots of toys on sale so get that Christmas shopping done early!
-Belk has their men's semi-annual sale going on. Go shop for your husband, son, brother, dad or yourself!
-Kmart has a "Magical Disney Character Wake Up Call" for your child if you spend $30 or more on Disney merchandise.
-Barnes and Noble just put out their new tablet, just in time to make your Christmas wish list!
-Sears is having a huge sale on mattresses as well as kids' Christmas clothes.
-Home Depot has some GORGEOUS Christmas trees for hundreds less than other stores.
-Bath and Body Works has their holiday scents on sale as well as Wallflowers and Soaps.
-Lowe's has major appliances on sale. 
-Ross and Marshalls are always great places to find home decor as well as gifts. 
-Sam's Club has lots of cute gift sets on sale. 
-Best Buy has TVs and GPSs on sale.
-Game Stop has all the latest video games in one place, just in time for holiday shopping.
-JC Penney is offering free family photos all month long! No sitting fees and a free 8x10 is included!
-Radio Shack is offering a $10 off coupon for every $50 spent in store.


Happy shopping! See you out there!