I was never good at saving. During college and right after, I was living off money from my parents or my new job (and few bills.) I never had a need for a credit card, when one day, the Gap offered me one. I of course snatched it right up and spent a couple hundred dollars that day. A few months later I went nuts at the mall on holiday gifts. And then a month later on post-holiday sales. Before I knew it I was in debt up to my eyeballs. Then, I lost my job. I was 24, and too prideful to ask my parents for money (finally!) and then…a credit card bill came in the mail. And my already dyer situation turned really bad, really quick. Luckily, I found something to pay the bills, and pay the bills is what I did. It took a long time to get back to zero, but when I did, I vowed to never let myself slip like that again.
From that point forward, I saved as much as I could each month. It wasn’t long after I found SmartyPig and I started saving there. It was money I consciously worked towards saving, but often times forgot about, yet still knew it was there for a job loss, emergency or even just a trip to the Gap.
Thanks SmartyPig! – Sara P.
SmartyPig is helping me save for a bad day. And by a bad day, I mean the day my car breaks down, or the day I have to buy a new washing machine or even just the day I’m feeling really down and *need* to go shopping. Sometimes I call it my emergency fund, but mostly it’s just a place to keep some money, away from my other accounts that can act as a bail out device. Thanks for always being there SmartyPig! – Patrice.
Gift cards are hot again this year. They’re easily purchased, you don’t have to think about it, and the person on the other end gets exactly what they want. CNN.com showcased a few of the most sought-after cards. Popular retail chains, Costco, Home Depot, and the Gap topped this list for their accessibility, necessity, and unique and dependable products. And Amazon.com is the perfect gift for those shoppers who like variety, but prefer to not leave their couch. Best part, most of these cards are offered by SmartyPig. So when you buy with us you get cash back, too, providing a gift for the person on your list AND yourself!
So, treat your loved ones and yourself this year and cash out your holiday gift funds with SmartyPig’s Retailer Gift Cards. At up to 11% cash back, it’s the best way to make your shopping dollars go further this holiday season.
Wishing you successful saving and shopping.
Sarah Foss, SmartyPig’s Media Mad Woman
How is your money game? If you’re not sure, the experts at Yahoo Finance have developed a few simple questions to settle your score card. And the largest? If you don’t know where your money is going, as they suggest in the article, then it’s possible you indeed do have a problem.
You carry a credit card balance. You’re losing precious dollars each money on interest fees – not to mention, digging yourself into a debt hole. Next, you’re constantly accruing late fees. Almost every regular payment option has an auto select this day in age. If you’re paying down something, find the easiest way for you to not forget each month. And my favorite, you don’t have any sort of savings. Emergencies happen all the time. You’re just one car accident or broken appliance away from a big ding to your credit card bill if you don’t have this safety net.
Wishing you successful saving.
Sarah Foss, SmartyPig’s Media Mad Woman, SFoss@SmartyPig.com
Same of users “favorite” goals right now:
I’m saving for a Harley- Davidson. I’m about 62% there and will be 100% this spring. – David
Summer Camp. I know we have barely said goodbye to summer and now I am planning for next year. But sports camps and academic camps are really expensive. So I start as soon as school begins. And I am ready for the early registration dates….that sometimes have discounts! – Sharon
I have several goals I am excited about:
Azores in 3 weeks.
Banff in 3 months.
Quick 4 day cruise in April.
Catamaran Charter in May.
Seneca Lake rental this summer.
Thanksgiving in the Caribbean – Iramis
Vacation 2015 – Marie