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Creative Ways to Shop on a Budget

A survey by Gallup in 2019 found that only 32% of Americans maintain a household budget. Roughly half of Americans are living paycheck to paycheck, meaning many of us have to get creative in how we shop for things like groceries, clothes, and entertainment. 

Living on a shoestring budget can be stressful, but it is possible with some of these creative tips to shop and make the most of what you have. 

Grocery shopping on a budget

Food tends to be one of the biggest spending categories in anyone’s budget. The USDA estimates that Americans spend an average of 6% of their budget on food; 5% of income also goes to dining out. How can you stretch that grocery shopping budget to go even further?

First, time your shopping trip to capitalize on sales and promos: 

  • Wednesdays: The middle of the week is often when grocers release their weekly circular. “You’ll have first dibs on sale items for the week ahead and, if you’re lucky, the store may still honor price reductions on items you forgot to pick up from the previous week’s sale,” says one expert.
  • Avoid Tuesday and weekends: Weekends tend to be busier as people shop on non-workdays. Tuesdays can also be crowded as other shoppers try to take advantage of last week’s expiring deals, and therefore sale items go quickly. 
  • Shop late or early: The hour before closing is when some grocers reduce prices on bakery items or produce items that won’t last until the next day. Early in the morning is also when there is less competition for sale items. 

Thrifting is an obvious choice for saving your clothing budget. Many shoppers also turn to fast-casual brands like H&M and Forever 21 – but be aware that those retailers may be more expensive in the long-term. Spending $10 on a t-shirt that lasts fewer than 10 wears is worse than spending $50 on a shirt you’ll own forever. “Unless it’s practically free, you’re better off buying clothing items from good brands with a reputation for well-made items,” wrote The Simple Dollar

Next, before you head to the store, download an app. Not just any app, but one that gives you discounts: try Food on the Table, an app that lets you type in your food preferences and then generates a list of recipe options based on current promotions at your go-to grocery store. Or, try Ibotta, an app that lets you retroactively apply coupons to items you purchased by scanning your receipt and claiming deals.  Many grocery stores also have apps that deliver exclusive offers and digital coupons. 

Finally, put your dining out budget into your grocery shopping budget. A meal at a fast-food restaurant costs around $8; if you stop eating an $8 lunch every day during the workweek, you can save $40 a week ($160 a month!). 

How to budget for an apartment

Rent is a big budget item for most people, and there are lots of hidden costs in budgeting for an apartment. Whether you’re on the hunt for a new lease or looking to reduce your utility costs and other apartment expenses, there are a few key things to consider when budgeting for your apartment. 

First, if you’re looking to sign a new lease, try to find an apartment that’s close to public transportation. Longer-term leases (a year or more) tend to be cheaper, as the landlord doesn’t have to search for a new tenant or spend on renovations as often. If there are fixes that need to be made, offer to do them yourself in exchange for a discount on the security deposit. 

If you’re in an apartment and hoping to save on utility costs, go beyond basic steps like turning off lights and turning down the heat. Think about turning off the devices that consume energy in a passive way, like your microwave and water heater that you aren’t using constantly. Winterize your apartment to cut your cooling and heating bills (winterize is a bit of a misnomer, as many of these steps can also keep your apartment cool in the summer). And, avoid running your energy-intensive appliances – washing machine, dishwasher, or dryer – during “peak hours”. Electricity companies tend to discount rates during the night when fewer people are using their grid.

Thrifting and other shopping ideas

What about other expenses: clothes, gifts, and entertainment? There are creative ways to shop on a budget for these items too. 

Thrifting is an obvious choice for saving your clothing budget. Many shoppers also turn to fast-casual brands like H&M and Forever 21 – but be aware that those retailers may be more expensive in the long-term. Spending $10 on a t-shirt that lasts fewer than 10 wears is worse than spending $50 on a shirt you’ll own forever. “Unless it’s practically free, you’re better off buying clothing items from good brands with a reputation for well-made items,” wrote The Simple Dollar.

Look to see if clothes are well made by checking the seams and material. Seams on a good quality item will be perfectly straight, with no dangling strings; any patterns should match up well. The material should be higher-quality. Look for natural fibers and blends like wool, and avoid synthetics like polyester. 

For gifts, go for something thoughtful rather than expensive. Find gifts that are unique to the recipient and require time, rather than cash. For instance, give someone the gift of time by babysitting or hiring a house cleaner. Give your family member a recipe book of meals from your childhood. Or, start a new tradition – holiday cookie-baking, for instance – that leads to memories rather than things. 

Shopping on a budget isn’t always easy. Sometimes, what you really need is a little Lift to cover a shortfall or meet a financial emergency. 

This article is contributed by LiftRocket

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Top

India News Brief

15 August 2020

COVID-19 Cases: 2,461,190 Death Toll: 48,040

COVID-19 At a Glance 

The new guidelines issued by the Indian Ministry of Home Affairs (MHA) on 30 June: Schools, colleges, educational institutions, cinema halls, gymnasiums, swimming pools, entertainment parks, theatres, bars, auditoriums, assembly halls and similar places, and even metro services will continue to remain shut until further notice.

COVID-19: Highlights 

Religious Places Visit: No Touching of Deity, No no Sparkling of Holy Water No Prasada in Temples Wearing Mask Thermal Screening is a must 

Shopping Malls Visit: Elderly People With 65 Years of Age and Children Below 10 Years Are Advised to Stay at Home.

Restaurant and food courts in malls to operate at 50 per cent seating capacity with a mandatory distance of six feet between tables. No common prayer mats, physical offerings like prasad, or sprinkling of holy water, in places of worship. Age and health-based restrictions on stepping out of home. Masks to be mandatory, and the Aarogya Setu app 'recommended' for all.

Use of masks, thermal screening, social distancing and sanitisation, the guidelines  require people above 65 years of age, specially  people with comorbidities, pregnant woman, and children below the age of 10 years, to stay at home. Masks are mandatory at all times, including inside restaurants

Standard Operating Procedures issued by the Indian Health Ministry 

  • International air travel, Metro rail services not allowed 

Cinema halls, gymnasiums, swimming pools, entertainment parks, theatres, bars and auditoriums, assembly halls and similar places; and, social/ political/ sports/ entertainment/ academic/ cultural/ religious functions/ and other large congregations will not allowed..

According to MHA guidelines, in Phase II, schools, colleges, educational/ training/ coaching institutions etc., will be opened after consultations with States and Union Territories.

There shall be no restriction on inter-State and intra-State movement of persons and goods. No separate permission or approval or e-permit will be required for such movement

But  states have the freedom to decide on public movement.

How to identify Fake News or Messeges on Social Media 

Beware of Fake News and Fake Messages on Social Media

Always follow websites or social media platforms of traditional media outlets whether newspapers, magazines,Television News Channels or Radio Stations and authentic online only media outlets.They still maintain journalism excellence and stress on reportorial talent.On the other hand, fake news websites run by people with non journalism background and promote their own ideology with fake news and disinformations and obviously conspiracy theories.

But unfortunately mainstream media also manipulates news to establish their story angle.There were various instances when News papers and TV Channels promoted fake news/conspiracy theories in the form of out of context or manipulated pictures/videos and distorted informations.

Always check the URL of any website.Some fake news websites look like the orginal and popular one the same layout,Logo but if you check the URL you may find extra words like if the orginal website's URL is www.xxx.com the duplicate one might be www.xxx.com.co or something like that so first check the URL for authentic informations.

Check whether photos are original or photoshopped.Check Google images for authenticity.You can find help from Google Reverse Images search.

Check the news sources from other websites whether they picked up the story or not.

Whether the website layout is little bit clumsy and obviously grammatical mistakes and spelling mistakes and excessive use of Sex related and sensational and hate stories.Because sex and hate sells.

Follow official websites relating to COVID-19

WHO Clarifies the disinformation about the virus:
COVID-19 virus can be transmitted in areas with hot and humid climates
Cold Weather and Snow can not kill the new coronavirus
Taking a Hot Bath Does Not Prevent COVID-19
COVID-19 Can not be transmitted through mosquito bites

Spraying alcohol or chlorine all over your body will not kill viruses that have already entered your body. Spraying such substances can be harmful to clothes or mucous membranes (i.e. eyes, mouth)

According to World Health Organization (WHO): Regularly and thoroughly clean your hands with an alcohol-based hand rub or wash them with soap and water

Maintain at least 1 metre (3 feet) distance between yourself and anyone who is coughing or sneezing.

Avoid touching eyes, nose and mouth . If you have fever, cough and difficulty breathing, seek medical care early

Stay at home if you begin to feel unwell, even with mild symptoms such as headache and slight runny nose, until you recover.

If you develop fever, cough and difficulty breathing, seek medical advice promptly as this may be due to a respiratory infection or other serious condition

Follow WHO guidelines

www.who.int

When you follow COVID-19 related news and messages from social media then check and recheck it before consuming it.Follow journalism mantra: if your mother says she loves you, check it out.

Most of the messages or informations quote different organizations like WHO, UNICEF, UNDP,Cambridge University  or other well known institutes,organizations or individual to authenticate the messeges.Check official websites of these organizations  if stories are repeated there

Forwarding messages from unknown sources or little known sources, it would be better to ignore it.

Check whether any logo like UNICEF or WHO or other organizations used in the messages which look similar to original logo.

These type of messages are full of Grammatical mistakes and spelling mistakes which are quite uncommon in original messages.

Don't rely on viral social media messages such as Coronavirus Infected Indian Currencies of Rs.500 and Rs.2,000 Notes Found, Muslim Man Spit in Food At Indian Restaurant.....Always Check Authentic Sources.

Some fake messages pretend to be real one like unofficial Twitter handle of international media organizations like BBC,CNN,Washinton Post, New York Times-check the official Twitter handles of media outlets.

You can identify fake messages if the message requests you to share it.

Beware of Fake News or Fake Photos/Videos Relating to Communal Hatred

Always check the fact checking sites if you have some doubts about the authenticity of any information or picture.

www.boomlive.in

www.altnews.in

https://check4spam.com

https://smhoaxslayer.com

www.factchecker.in

www.allsides.com

www.factcheck.org

www.newsbusters.org

www.politifact.com

www.snopes.com

www.propublica.org

The Same Method Applies to You Tube Videos Check the Source the credibility of the Source.To Check Fake You Tube Videos Check and Recheck the sources. Does the person have the legal right to the video posted? Did that person capture the video? Whether it has been altered?

But due to advancement of technology we can not really wipe out fake news.According to experts advent of  Artificial Intelligence(AI) some companies small or big one developing  technologies that can  lay digitally created script to anybody's voice  even words,sentences never said by the person.Even they are developing a technology which can create fake video footage,images,audios like originals.So be cautious! Rumour-mongers are active everywhere whether in physical world or cyber world.

For any further information relating to fake news and how-to search authentic informations from the internet write to us info@crimeandmoreworld.com or Whats App:+919073399779

COVID-19 Related Conspiracy Theories:
https://fsi.stanford.edu/news/china-covid19

 

 

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