Sunday, November 21, 2010

Black Friday, Small Business Saturday, Cyber Monday, Christmas Sales.....

All the media and businesses are a buzz with the special themed sales. Nothing new here except that it just seems to be a bit more intense this year. What's really going on? Are we out of a recession and no one sent an alert or a memo to those still unemployed or barely making ends meet - population.

The lines of people waiting for special deals often begin in the wee hours of the morning or in some cases, days in advance. Of course, some people may think that this is ridiculous while those on line believe that they are at an advantage of getting the items they need at a price that they could either afford or will never be able to get if not purchased at that price even if it means sacrificing their payments on other important bills.

Many people turn to their credit cards to splurge well beyond their means. They want to be a part of the celebration season exchanging gifts. No one wants to look as though they are a Scrooge, cheap skate or just too broke to participate. Well, if you are unemployed or working for a minimum wage or in a part time position, then you should not stress yourself.

So be honest with yourself. No need to go out shopping and impressing others. At this point, there is no need to keep up with the Joneses. The Joneses can no longer afford it either, many of them have also suffered quite a bit financially. Tell your family and friends that you wont be able to purchase gifts, perhaps you can bake a pie, cookies or something made with love. They will understand and if they don't - they're being inconsiderate and that's not your problem. If you get caught up and shop then you will most certainly be sorry later on. If you avoid spending money or using your credit cards (if you have any) you will be surprisingly richer and happy when the season is over. Don't stress yourself.