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Author Archives: Kristina Tahnyak

Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

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The Forbes List of the World’s Most Powerful People

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Forbes list, world's most powerful people, Forbes

horse statueGood Morning DINKS.  Let me ask you a question… Do you think that having money automatically makes people interesting?  Actually let me ask you a better question, does having money automatically make us powerful?

We have previously discussed the balance of money and power as it relates to a couple in a relationship here on DINKS Finance; but what if you aren’t in a couple.  If you are single and rich are you also automatically powerful?

There is no question that having money allows us to buy the finer things that we want in life. Having money may also allow us to influence certain people through financial contributions.  However, I personally don’t feel that having money makes people powerful.  Maybe people associate having money with having power because a lot of the richest people in North America (and around the world) run large corporations. These are the same large corporations that influence our economy, our society, and the general public.

Who do you think is the most powerful person in our society? Now let me ask you another question…who do you think is the currently the richest person in the world? Were your answers both the same person?

Check out the Most Powerful People according to Forbes:

10. David Cameron is only 45 years old and he is the Prime Minister of the United Kingdom.  He is considered to be powerful because he runs a predominant country.  However David Cameron has recently received backlash from the media for hiring a former employee of the scandalous News of the World.

9. Mark Zuckerberg is the founder of Facebook.  More than 10% of the world’s population use Facebook and I guess this makes Mark Zuckerberg powerful because he has instant access to over 800 million people through Facebook.

8. Ben Bernanke is the Chairman of the US Federal Reserve.  He is considered powerful because he single handily controls the cash flow of the US population.

7. Pope Benedict XVI is not a rich man but it is no secret that the Catholic Church is a very profitable organization. The Pope is only as powerful as people allow him to be.  If people stopped practicing or believing in the Catholic Religion then Pope Benedict would not be powerful.

6. Abdullah bin Abdul Aziz al Saud is the King of Saudi Arabia, he is 87 years old.  He is powerful because he is a rich man in a rich country.  King Abdullah recently allowed women to vote in Saudi Arabia and hopefully this power will have a positive influence on other countries who do not currently consider women as equal to men.

5. Bill Gates is 56 years old and you may know him as the genius behind Microsoft.  As the second wealthiest man in the world we know that Bill Gates is rich, but is he powerful? He has recently been using his millions to create and distribute vaccines for various diseases around the world.

4. Angela Merket is the 57 year old Chancellor of Germany.  Germany as a country is considered to be a very rich economy and Angela Merket is considered to be the most powerful woman in the world.

3. Hu Jintao is the President of the People’s Republic of China.  Notably he is also the Communist Party General Secretary as well as the Commander in Chief. If you are the president of a powerful country and economy are you automatically considered powerful by default?

2. Vladimir Putin is 59 years old and he is the Prime Minister of Russia and previewed to soon be the President. Russia is a very strong emerging economy

1. Barack Obama is the President of the United States and he is listed as Forbes Most Powerful Person.  President Obama is 50 years old and he has desperately been trying very hard to rebuild a country and an economy that took almost a decade to destroy by the previous administration.

Does being powerful mean that we are able to influence change or implement change?

Photo by Foshie

Friday Roundup: It’s Raining Men!

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Happy Friday DINKS.  My boyfriend Nick bought me the Nintendo Wii video game Just Dance for my birthday last month, and for over 30 days I have been dancing to the song “It’s Raining Men”.  So in honour of my Nintendo Wii today we have rounded up the best posts from some of our Favourite Male Personal Finance Bloggers.

Enjoy and Have a Great Weekend DINKS!

– Glenn @ Improve Your Finances talks about how he saved thousands of dollars in a little bit of time by getting informed on the benefits of refinancing his home in the post “How we’re going to save over $25,000 – with less than 8 hours of effort!”

– Hunter @ Financially Consumed tells us to shop locally to help boost the American economy in the post “Made In America – Shop Local”

– SB @ One Cent at a Time talks about decorating his office like a man in the post “Be a Better Employee: How To Decorate Your Office Cubicle”

– Trent @ The Simple Dollar talks about our biggest asset and possibly our biggest time consumer in the post “Is Your Home and Investment? I love this post because I am a renter and I absolutely love the carefree life style of renting.  This post reminds us that not all real estate purchases are a good investment.

– Dave @ 50 Plus Finance helps job seekers with personal tips to help them get their resume to the top of the pile in the post “10 Job Fair Tips That Will Help You Get Noticed By Employers”

– Brad @ Enemy of Debt  lays out his plan to save money in November by not eating out in the post “No Restaurants in November 2011 – Do You Have a Checklist?”

– J. Money @ Budgets Are Sexy  advises us to save for our retirement in the post “The Pros of Maxing Out Your Roth IRA!”

-Mike @ Clever Dude breaks a big financial myth in his post “How our Big Bank and Credit Union both helped us overseas”. Many people use both a big bank as well as a credit union because they prefer the service at a credit union but they like the accessibility of a big bank. Check out this post to read about Clever Dude’s personal experience.

DIY Tips To Save Money from Rachael Ray

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DIY, saving money by DIY, saving money

tools in belt

Good Morning DINKS.  You may remember that I am a big fan of Rachael Ray.  I first started watching her TV Show when I was learning to cook, and I have continued watching The Rachael Ray Show because she always offers great tips on how to save time and money in our everyday lives.

Rachael Ray recently had a show that featured ways to save money on everything from dinner meals to our wedding.  What is Rachael Ray’s advice?  Do It Yourself.  She recently had several experts on her TV Show that explained very simple ways to save money on dinner meals, parties, and weddings.

Check out these money saving DIY Tips from Rachael Ray:

DIY Dinner

Rachael Ray made a One Pot Wonder Chipotle Chicken Soup.  It’s a simple dish that is easy to make and it only leaves one pot to clean at the end.  You will need 4-5 pieces of chicken; we can use legs, breasts, or thighs whichever type of chicken is your favourite.  We will also need some salt and pepper, olive oil, bite sized corn, chicken stalk, oregano, chipotle seasoning, lettuce and radishes.

The entire cost for this Rachael Ray DIY Dinner is only $2.54 per person.  To start we have to season the Chicken pieces with sea salt and black pepper. We should pour some Olive Oil into the pot and crisp the chicken on both sides; then we can add the Chipotle and (Mexican) Oregano for flavour.

Once the oil is absorbed and our chicken pieces are crisp we can add the chicken stalk and the can of bite sized corn.  We should mix it all together in the pot, cover it, and let it simmer at a low temperature in order to allow all of the great flavours to mix together.  After 15-20 minutes we can serve it in a bowl and top it with lettuce, a bit of cilantro, radishes and even guacamole if you want. Bon Appetite!

DIY Party

Many people feel that there are huge costs involved when we plan a party.  Rachael Ray and her team of DIY experts are here to prove us wrong.  Rachael Ray says that we should set the tone for our party in the theme, and we can use our same theme materials for both the invitations and the decorations.

As an example if we are planning a garden party we can make flower shaped invitations out of Foam or Construction Paper. Foam and Construction Paper are both cheap material and they come in a variety of colours.  We can then use the Foam flower shapes as decorations at the actual party, or as the place settings with our guest’s names etc.

A huge DIY Party money saving tip is to use one recipe two or three different ways. This is cost efficient because we can buy and cook in bulk, but it still allows guests to eat two or three different dishes. Pasta is always a good cooking base because we can feed a lot of people on a little budget.

DIY Wedding

Forget a Party Planner. Rachael Ray gives us great tips on how to keep our costs down with a DIY Wedding.  A huge wedding cost saver is to make our own invitations and create our own center pieces.  Unfortunately there is not a lot of saving that we can do on the music or the food, but we can save costs on the cake, the invitations, and the center pieces.

Handwriting our own invitations may be more time consuming, but it can also be very cost saving.  Buy invitations at stores like Wal-Mart, Target, Office Depot, or Sam’s Club. Never buy them at specialty paper stores, or card stores such as Hallmark.

Try and grow your own flowers for the center pieces; this way we only have to buy the vases.  It is best to try and buy our vases or center piece dishes at bulk craft stores.  Tall Skinny drink glasses can also be used as vases for our centerpieces.  We can add coloured rocks for decoration into the vases and then we can add flowers or float candles on top to add ambiance to the room.

Never tell a baker that you are ordering a wedding cake because they double or triple the price.  Describe your perfect cake and use the words “special event” or “specialty cake”.  If you can choose another colour for the cake other than white it can also save you money.  You can still have white accents or white trim on the cake but choosing a different primary cake colour helps make the illusion that it is not a wedding cake. Instead of several tiers ask for a cake with a bigger surface and fewer layers, this way it doesn’t look like a typical wedding cake and we won’t be overcharged.

Photo by Blue Diamond

How To Save Money… On Anything!

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saving money tips, saving money advice, saving ideas

bathroom towelsGood Morning DINKS.  One thing about me that has changed over the years is that now I love saving money instead of spending it on anything and everything that I can get my hands on.  I still spend money on things that I need for the household and some things that I want for myself, but I am proud to say that I no longer spend money carelessly.  This is a major change for me and I am proud to admit that now at 31 years old I am financially responsible.

I work in personal finance but I have not always taken my own advice.  It’s like when you go to the hairdresser to get your hair done, the hairdresser does a great job on your hair but their own hair just never looks right.

I knew that my spending habits were bad and dangerous but I didn’t care.  Only recently I decided to make a real change in my financial life and it has been a change for the better.  I don’t live without the things I need, I just life without all the things I want; and for the first time in many many years this is ok with me, this is what I want.

Learning to live on a budget has definitely not been easy and it has been a huge learning experience.  I have discovered many ways to save money and reuse items for different purposes that I would otherwise have thrown out.  I have learned to think and live outside the box.

When we spend less money we can save more money.  When we save more money we can afford the finer things in life, and saving money also gives us the peace of mind of security in case we have an unexpected expense or life event.

Here are Some Money Saving Tips:

1. Make Everything Smaller

  • Choose a Basket or the Small Shopping Cart at the Grocery Store.  The smaller the space the more money we will save.
  • Bring Your Own Shopping Bags. I will never pay 0.05 for a plastic grocery bag. If we bring our own bags then we can only buy enough food and groceries to fill them up.  If we plan to buy our plastic grocery bags at the supermarket then our spending could be unlimited.
  • Buy Only What You Can Carry, Even If You Have a Car.  I try to buy 2-3 bags of groceries each week.  That is enough food for one person for a week, any more than that is excess.  After 7 days or so food usually starts to go bad and I wouldn’t want to waste food because that is a waste of money.

2. Reuse Your Items for Something Else

  • Use Your Unwanted Soap as Bubble Bath.  There is nothing more that I hate than when my bars of soap get small and thin towards the end of their soapy lifespan.  The sight of them makes me cringe and I used to just throw them out, but now I hold them under running water and use them to make bubble bath.

Photo by HoriaVartan

Can You Tell Your Spouse They Don’t Make Enough Money?

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couples advice, couple issues, spouse matters

Good Morning DINKS.  Today I want us to discuss the relationship between love and money.  In your opinion is love more powerful than money, or is the equation vice versa? Very often we hear about young women marrying wealthy men for money.  These types of women are also known as Gold Diggers, but in my opinion they are nothing more than Prostitutes .  It is ok to be a Prostitute but own up to what you are! I hate it when women say that they really married for love and the money was just an added bonus….YEAH RIGHT. Very often is the case that these women would not give the man a second look if he didn’t have money.

I wonder if the same is true for DINKS.  Could you or would you enter into a relationship with someone who you know did not have money? I can honestly say that my boyfriend Nick’s income is not important to me, and it never has been because we met when we were both students with no income at all.  I fell in love with him way before either of us ever started making any substantial money and therefore I would not leave him if he didn’t have money.  However, if I was single and dating I am a bit ashamed to say that my potential boyfriends tax bracket would be a deciding factor in my decision to date (or not date) him.

Is money a deal breaker for you?

It may sound like I am a snob but the truth of the matter is that a lot of other aspects of our lives are directly and indirectly related to the amount of money that we make. Our quality of life is directly related to the amount of money that we make.  The destinations for our vacations, or even the fact that we can afford to take a vacation or two each year is directly related to our income.

Our Money Mentality is directly related to our income versus our expenses and it indirectly relates to our personality, our beliefs, and our daily living habits.  We may be a conservative person by nature and therefore we are also conservative with our money.  We may be a saver instead of being a spender, it would be hard to live with someone who always spends their money if we always save ours.  I personally like to buy nice things whenever I choose to indulge and spend my money; however what really brings a smile to my face is seeing the balance in my bank accounts, investment accounts, and retirement accounts increase on a weekly basis.

Could you marry someone who doesn’t share your Money Mentality?

I don’t think that I could marry someone who didn’t share my views on money because this probably means that we don’t share a lot of other aspects in our lives such as living arrangements, career ambitions, and social circles.  I wouldn’t want to be working hard to advance my career and marry someone who still lived a carefree life with no career ambitions.  I am not saying that everyone has to be a shark in the water, but the constant need to always better ourselves or try something new is very important to me.  I don’t want to be with someone who is stuck in their life or in their career.  Dreaming is fun and a form of inspiration.

I also want to be proud to introduce my (imaginary) husband to my group of friends.  My friends usually revolve around my workplace and my profession; therefore I would be ashamed to introduce someone to my friends who didn’t share our passion to perform well at work.

Photo by Unlisted Sightings

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Weekly Roundup: Credit Cards, Calculators & Bad Habits

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visa cardsHappy Friday DINKS. Today we have searched the web and found the best posts about Credit Cards.  Some of us love our Credit Cards because they help us build our credit score and they also help us buy things that we love. However, some of us may hate our Credit Cards because they can also ruin our credit score if we don’t use them wisely and responsibly.  My personal experience with Credit Cards has been a very rocky ride, I have learned not to hate my Credit Card and I have learned how to love using them responsibly.

We shouldn’t hate our credit cards or blame them for our debt accumulation because they didn’t magically use themselves.  As long as we use our Credit Cards wisely and don’t spend more than we can afford to pay off our credit score will remain good and we can learn to love our financial lives.

Check out these posts from around the web about Credit Cards:

Financially Consumed  tells us that we can change our credit habits in the post “Credit Card Ride To New Beginnings” Even if we get off to a rocky start (like I did) when we are young, we can make changes and start a new path towards using our credit cards wisely.

Broke Gal NYC congratulates herself on her credit card victory in the post “Taking Small Steps Towards Big Goals”.  I love this post because paying off debt is just like saving money or accumulating wealth…it takes time.  We are never going to become debt free over night and we are never going to become rich over night.  If you want to pay off your debt then you need to make a plan and stick to it; with time your debt will be paid off.

50 Plus Finance helps us pay off our debt in the post “The 5 Best Credit Card Payoff Calculators”.  When we make a plan to pay off our credit cards we have to decide which card to focus on first.  We also have to choose a target date by which we want all of our credits cards to be paid off.   Our credit card payments have to be in our budget, otherwise we will keep using them when our cash flow is short and we will always be in debt.

Enemy Of Debt talks about his “run in” with Capital One in the post “Personal Accountability-Placing Blame Where It Belongs”.  This is a great post because it’s so easy to blame the credit card company or blame the credit card.  But the truth is that no one gets us into debt but ourselves, and no one can get us out of debt but ourselves.

Photo by Images of Money

The Whopper vs. The Big Mac

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stock market showdown, investment portfolio, stock market

Good Morning DINKS. It’s time for another post in our Stock Market Showdown series.  Our Stock Market Showdown series discusses buying stocks based on personal preferences and a little bit of financial information.  If we don’t have time to research company information and performance history, we may buy stocks in our investment portfolio based on personal preference.

Take a moment and think about the last time you stopped to eat at a fast food restaurant.  Did you go to McDonald’s or did you go to Burger King? Now think about your investment portfolio.  Do you own that company’s stock in your investment portfolio?

Here are some Financial Facts about McDonald’s and Burger King:

McDonald’s has greatly expanded their menu over the last few years to include both healthier fast food options as well as a discounted value menu.  This allows McDonald’s to retain existing customers who are looking for healthier food choices, as well as maybe even expand their food to a new clientele, if that is even possible for McDonald’s.  In select restaurants McDonald’s also have a McCafe which offers specialty coffees and desserts.

McDonald’s restaurants were founded in 1955 and they currently operate in over 118 countries worldwide. More than 64 million people are served at McDonald’s each day.  Over 80% of all McDonald’s restaurants are franchised.    Coincidentally just as I was researching the stock performance information on McDonald’s restaurants I found an article posted on Yahoo Finance titled 12 Mc Donald’s Menu Items That Failed Spectacularly. It is also important to note that McDonald’s is the leading fast food chain in the world.

The Burger King Corporate homepage is set up very differently than the McDonald’s homepage.  The Burger King homepage lists all of the countries where Burger King is present.  Clients then have to click on their country of choice to enter their local website.  The Burger King motto is “Have it Your Way” and their local homepage is very product oriented.  The McDonald’s homepage was more geared towards the company and their brand recognition.

Burger King was founded in 1954 and the mascot is A King.  I don’t feel that the Burger King mascot King is as recognizable as Ronald McDonald, who is the McDonald’s clown mascot.  Burger King recently launched a deal with Quaker to serve Oatmeal for breakfast at Burger King restaurants. Burger King serves over 11 million clients per day in 78 different countries worldwide. Over 90% of all Burger King restaurants are owned and operated by franchisees.

I would personally buy McDonald’s stock over Burger King for the personal reason that I have always loved McDonald’s.  I feel that it is a better known worldwide brand, and therefore it has a better chance for corporate sustainability.  The only thing that I prefer about Burger King over McDonald’s is that Burger King has a veggie burger Whopper; this is an area that McDonald’s has yet to explore.  Sometimes I order a veggie Whopper from Burger King and I get Medium French Fries and Diet Coke from McDonald’s.

Which Stock would you buy Mc Donald’s or Burger King?

Photo by Pena2

November Love Drop: Say Hello to Marci.

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Hello Everyone. Here on DINKS Finance we support an organization called Love Drop; it is an organization that accumulates gifts, services, and financial contributions for a family in need each month.  To date Love Drop has helped a pair of sisters who are battling Aplastic Anemia, a little girl in Atlanta, and a wife/mother with a Brain Tumor…amongst others.

I am personally a contributing member to Love Drop and I have to say that the best part of being a member of the Love Drop Community is knowing exactly where my money goes each month.  All donations are hand delivered to the families in need around the country…hand delivered in person.  The Love Drop Team posts a video each month of their surprise visit for each family.

This month Love Drop is coming together for Marci.  She is a super strong wife and mother of three kids who lives in Colorado.  Marci has already beaten breast cancer twice; unfortunately she is now battling a Stage IV cancer that has spread into her lungs and lymph nodes. Marci has spent the better part of the last decade fundraising for cancer research.  She has also spent time with people whose lives have been affected by Cancer.

The most important thing in Marci’s life is quality time with her family, so Love Drop wants to give them an all-expense-paid vacation before she begins her toughest battle yet. Marci and her family are currently burdened with massive medical bills, but that is the least of Marci’s concerns.  All that Marci wants to do right now is make sure that her family is able to relax and forget about the stress of her Cancer.  Marci wants her family to enjoy their life, and Love Drop wants to help.

Here are some ways that you can help:

Travel – Let’s get creative – airline miles, timeshares, destination packages, money – whatever we can do! I know that we can figure out a way to help Marci and her family so let’s do whatever we can to get them on a family vacation.

Give a Dollar – Monetary Donations go towards all expenses for the family vacation.  Love Drop wants to accumulate enough money to also give Marci and her family some spending money while they are on their family vacation.

Give a Gift or Service – If you or your business can offer a personalized service for Marci and her family, then please contact Love Drop.  Gift Cards that Marci and her family can use on their vacation would be very helpful.  Gift Cards for large restaurant chains would be much appreciated.

Share This Post With Others – If you have a Blog or a Website or if you are on Facebook, Twitter, or Linked In then Love Drop encourages you to share this post with your Fans, Friends, and Readers. The more people that know and learn about Love Drop the more money we can raise for Marci and her family.

Please click here to join Love Drop and help Marci and her family.

Is More Money Always Better?

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money advice, money tips, personal finance

Good Morning DINKS.  In life we always want more.  One of the curses of being a successful young professional is that we always want more…of everything.  I always want a bigger apartment, a bigger office, and a better wallet collection.  However having the best of everything can be a both a gift and a curse.  If we make more money then we pay more taxes, if we buy a brand new car then we may always want to upgrade to the newest model.  When should we stop? When is enough money enough?

Many people dream of having a fabulous life full of expensive jewellery, big houses, and an unlimited spending limit.  I have to admit that the concept is nice, but when I seriously sit down and think about it I don’t think that I would want to live in a big house.  I love living in my apartment, I wish that my boyfriend Nick and I had another room in the house but that is only another 100 to 200 square feet. I definitely don’t want to live in a multi-level home where Nick and I have to shovel snow and cut the grass.  Two people don’t need that much room.  More rooms means more dust and more dust means more cleaning…No Thank you.

The only piece of jewellery that I really want is an engagement ring from Nick… and then a wedding ring.  When I graduated from University my Dad gave me a really nice watch engraved with my name.  My Mother wanted to buy me a piece of jewellery with a diamond but I think that my boyfriend Nick should be the person who buys me my first diamond.  Maybe I am old school, who knows, but that’s just the way it is.  I do wear jewellery but not jewellery that makes me stand out in a crowd.  I am only 5 feet tall and I definitely don’t want to be robbed.  I love buying jewellery while I am on vacation; I am a big fan of rings and bracelets. Jewellery is not expensive when we buy it in little boutique shops or near the beach.  Expensive jewellery needs to be insured and insurance premiums are an additional cost.

Having a multimillion dollar salary and a high net worth may be some peoples dream or goal, but we have to think about what we may be required to give up in order to make a lot of money.  When I was making over $100,000 a year I was working more than 40 hours a week.  My priority was work because my goal was to make as much money as possible and my relationship with my boyfriend Nick suffered.  Being at the top is great while everything is good, but the fall is a lot farther when things go bad.  I had a huge reality check when the market crashed in 2008 and I spent two and a half years picking up the pieces of both my personal and my financial life.

If I could have seen beyond the money back then I could have planned better for the future.  The problem with making a lot of money is that we always think the money will be there; unfortunately that is not true.  I was blinded by the finer things in life such as cars, vacations, and material goods; I was so blind that I couldn’t see the all good that was right in front of me, and that is my loving boyfriend Nick.  Money doesn’t keep us warm at night and our relationships will (hopefully) be here long after the money is gone.

Photo by RexRoof

Build Wealth Like a Vanderbilt

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building wealth, money management, money advice

Good Morning DINKS.  I am not sure if I ever told you this, but I really love Anderson Cooper.  I love a man who is well educated, well travelled, and who can speak intelligently.  Anderson Cooper is also easy on the eyes and he has a great smile, which never hurts.

Needless to say when I found out that Anderson Cooper was getting his own Talk Show I was thrilled.  Every night at 6 pm I tune into NBC to see what Mr. Anderson Cooper has to say about life.  His mother Gloria Vanderbilt is a regular guest on Anderson Coopers Talk Show.  That’s right Anderson Cooper is a Vanderbilt! This goes without saying that he has led a very luxurious lifestyle where money is usually not a concern.

Anderson Cooper recently invited money coach Clark Howard to join him on his Talk Show and educate everyday people how to save money on regular household items every time they go shopping.  Anderson Cooper grew up watching his mother Gloria Vanderbilt spend money carelessly.  Anderson says that his mother has always been a big spender and she still continues to spend a lot of money to this day.  Anderson Cooper loves spending money, but he hates wasting money.  Anderson told the audience a story about how he used to hoard money as a child because he was always afraid that the money would eventually run out as he watched his mother spend money carelessly every day.

Money Coach Clark Howard says that the first step to learning how to save money is to find out where we spend our money.  If we know where and how we spend our money then we can eliminate unnecessary expenses and make cuts in our spending. Clark Howards suggests that we keep a spending/savings journal.  We should track our daily spending including prices and items as well as track our daily savings.  If we wanted to buy Starbucks but we didn’t, we should write down that we just saved $5.  After a few weeks of keeping a spending/savings journal we should be able to recognize where we spend our money carelessly and we should be able to make cuts in our spending.  We have to learn that we can live without magazine subscriptions and taxi cab rides.

Anderson Cooper likes to be frugal, but he isn’t good at saving money.  Anderson is trying to learn that not spending money is not a personal sacrifice; saving money is actually a personal benefit.  Anderson Coopers biggest money mistake is being an impulse shopper, he admits that he is often influenced by sales signs and sales people which can be very dangerous for his savings and spending habits.

Here are some Quick Shopping Tips from Anderson Cooper and Money Coach Clark Howard:

  1. You don’t need a Costco membership. Buying in Bulk is not worth it for 1 or 2 people.  We often end up throwing out unused items which is always a waste of money, even if it was on sale.
  2. Use bags when shopping, not the big oversized cart.  Having a bigger space means that we can fill it up with stuff that we don’t need.
  3. Don’t be influenced by sales people.  Get in and get out of the store without making eye contact or asking for suggestions from the sales people.

Photo by o5com

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