SALES

Well, for some reason, Macy's is having a great sale tomorrow, for one day only. Everything is up to 50% off and then anything on clearance is an additional 25% off. I don't know about you, but I love deals like this. Also, right now is a great time to go shopping. It is the ending of one season and the beginning of the next making sales super prevalent and great bargains easy to find. If, for some reason, you don't have stores close to you, go online. When you shop online you can get even better deals sometimes with web-busters and additional discounts. Don't worry, your information will be safe. I have shopped online for years, never having any problems with my identity. Just make sure that you are shopping at a reputable place like anything with a big name like Macy's or Nordstrom. If you have never heard of or seen a site, but want to shop on it, contact them and ask what their security policy is, you can never be too careful. Phoenix is the #1 city in the US for identity theft, so I make sure to do this every time I shop somewhere new.

A little tip, stores will most likely offer you another great discount on top of what you have already received if you open a credit card. Sometimes this can be great, but what I find is that people end up buying more than what they can actually afford and then getting hit with a 25% or more interest rate from the store. If I ever do this, I make sure that I just buy what I was going to in the first place and get the extra discount and then pay the card off right away. Good credit never hurts you, but missing or making late payments can kill your credit score. So buyer beware and be a savvy shopper, don't take the bait just because they are willing to give it out, be responsible.