In 2013, a poll by the Pew Research Center found that Christmas is celebrated more than any other holiday in the US with 90 per cent of Americans celebrating Christmas, including 80 per cent non-Christians.
According to Pew, a third of Americans actually see Christmas as more of a cultural holiday. Even 87 per cent atheists said they still celebrate Christmas.
And America is not alone. There is something warm and cosy about Christmas. Whether you are religious or not, Christmas is that time of the year that simply spells out celebration with your loved ones and reflection on the year you have had. It has always been like that and it probably will remain the same for a long, long time.
So when people say that Christmas has been commercialised, I wonder what they are going on about. What is different right now is the realisation that this is not 1990 but 2015, so people actually have more and better ways to advertise their products and services.
I mean, what do you really expect? Christmas is such a big deal and to say that by advertising they are commercialising the holiday, you are deliberately ignoring the fact that these people are running businesses and that there is absolutely nothing wrong with seizing the opportunity and riding on the ‘Christmas mania’ to increase sales.
Businesses were advertising all year long and sales were there, the difference during the Christmas holiday, is that almost everyone is interested in stocking up. Some people are interested in buying gifts. Everyone seems to advertise what they sell and everyone else is interested in knowing what is on offer. So many people are on holiday and this is their opportunity to spend on their loved ones. Look around you in May, how many families can you see in a shopping mall? Where would they get the time? At least 80 per cent of all the parents are able to finally spend quality time with their children without the stress of work. This is the time and, luckily, for the business people, this is the time to cash in.
Also, everyone seems to be busy these days. Television and the Internet keep you up to date on what is in, who is selling what, the price and for those who need gifts to be shipped in
It’s hard to imagine a time without cell phones. For many people it’s the first thing they see in the morning and the last thing they see at night.
We may or may not be those kinds of people… But one thing that's tough to understand is how expensive cell phone plans are.
Today let's focus on how to save money on your cell phone bill.
What are you suggestions on saving phone bill cost??
Once again Rachael you hosted a very needed fantastic event last Saturday, I’m seeing the impact on attendees already 🙌🏾🙏🏾💜💚 @mummys_day_out#Repost
The guest speakers from yesterday were just amazing please check them out, attend their events, contact them- you will not be dissapointed!
Life Insurance and protection they will come to you and give the best package for you and your family. That face to face service is priceless and prevents you making mistakes that can result in no pay out.
@noirexcel this GUY and his amazing wife will share some nuggets with you that will change your mindset forever. He keeps it 💯and empowers you to think, be and behave differently with your money. I'm talking breaking down generational financial mindsets.
@you4us_uk this lady is the example!!! She has done it. She has been where you think you are! She has made it! Paula will give you practical, tried and tested ways to improve your finances... the best bit is you will be laughing too she's so funny! (Her event is on 27th Jan jump on if you can its worth it)
Check our lives and insta stories to catch snippets of the event.
Can't wait for the pics!
How I've set up my bank accounts
EXPENSES: stuff like petrol, food, chemist etc
BILLS: electricity, gas, rent, swimming, oosh etc
DEBT PAYOFF: paying off debt
GOAL SAVINGS: whatever big thing I'm saving for holiday, furniture, car, moving etc
DAUGHTER SAVINGS: money recieved by her and end of each year her smile jar goes in here.
LUXURY: this is my fun money, splurge whatever you want to call it. I have it seperate because it stops me quickly transferring bills or goal savings because I'm $5 short on buying a pretty dress 😂🤦♀️ UBANK:
EMERGENCY FUND: Same as above seperate to stop me dipping into it and ubank is still slow to transfer so I can avoid instant gratification.
I don't pay fees for any of these accounts I know 3 banks might be confusing for some but it works well for myself.
This chart from #theautomaticmillionaire is amazing. I’ve read about the power of #compoundinterest before and learned about various ways of saving for #retirement but I’ve never seen the information presented so clearly. This chart shows that if you just saved and invested $3,000 a year between the ages of 15 and 20, and NEVER SAVED ANOTHER DIME IN YOUR ENTIRE LIFE, you would retire with $1.6 MILLION DOLLARS. Conversely, if you started investing $3,000 a year at age 27 and continued setting aside that same amount until age 65, you would have to invest $117,000 of your money to get $1.3 million in retirement. The teenager only had to invest $15,000 for a really short period of time (FIVE YEARS!) and ended up with almost $300,000 more than if you start investing late in your twenties. Yeah, so like NO ONE TOLD ME THIS WHEN I WAS A KID. Of course, that’s by design. This economic system is deliberately set up to make the rich richer and keep valuable resources and information about wealth building and economic security from the working class and poor. My family didn’t come from wealth and my mom was a single parent. But I had summer jobs. I worked at Blockbuster on the weekends. I worked at the mall. And you know what? I SPENT all that $ even though I was living at home and mom was providing for me. I didn’t start #saving and #investing until my late twenties and even then, I was not saving as much as I should have because I didn’t understand the importance of using the power of time to build #wealth through compound interest. And for so long, I had a very disempowered relationship to money — the topic scared and overwhelmed me. It’s taken years for me to shift not only what I know about #personalfinance but, just as important, how I FEEL. The more I’ve learned, the more passionate I’ve become about catching up and getting savvy about my #finances. Sharing this for the folks who are younger than me. Saving even a small amount of money consistently but EARLY in life can have an amazing impact on your #finances down the line.. and if you didn’t start early, you can still make critical adjustments and use the time you still have to your advantage! #themoreyouknow
I'm going back to school..... again! 📚 ...
At 28 years old, I thought I would be done with study, but then the Victorian Government announced they would be offering some free Tafe courses this year, and one of them is the Diploma of Accounting. How couldI say no to a free education?
Upskilling (especially if it's free) is a great way to expand knowledge in your current field of work, give you some more motivation, or even land you a promotion
Are you currently studying? DM some challenges you have had if you juggle full time work and study? ...
0 82 hours ago
Without a plan there’s little you can achieve. Dreams and goals are guaranteed to never get accomplished if you don’t put a plan in place.
2009 - Ekonomi Malaysia jatuh.
Client A: Tak nak invest la. Ekonomi teruk. Tunggula bila dah ok baru invest.
Client B : Bagus la unit amanah ni untuk jangka panjang. Boleh dapat pulangan lebih banyak bila bersara. .
2014 - Pasaran sangat baik
Client A: Tak nak investlah Harga dah tinggi. Tak berapa untung. Biar je la dalam kW$p. Sekurang kurangnya 5- 6% dah confirm.
Client B : Nak tambah pelaburan lagii? Boleh je. Lagipun bukannya guna cash. Guna akaun 1 je pun.
2019 - Ekonomi merudum semula.
Client A: Maaflah. Ekonomi teruk. Tak sesuai untuk pelaburan. Tunggu nanti bila dah ok baru invest.
Client B : Syukur Alhamdulillah.
10 tahun lepas, simpan RM 100k dan biarkan tidur. Jumlah pelaburan terkini dah RM 215k sekali dengan dividen 11.5% setahun. Banyak juga tu!
Ish Kalau simpan 1 juta dah dapat 2 juta lebih! Wow! A$B, KW$P, Tbg @ji pun tak dapat banyak ni. InshaAllah boleh capai sasaran kewangan untuk menampung perbelanjaan selepas bersara nanti tanpa perlu bekerja semula.
Pernah dengar senario di atas?
Client A dapat pulangan 50 - 60% dalam tempoh 10 tahun.
Manakala Client B untung 115% tempoh yang sama. MasyaAllah.
Jadi nak jadi client yang macam mana? A atau B?
Siapa pernah jadi macam ni?
Bila dalam keadaan yang tengah teruk tak ada duit, tiba-tiba jumpa RM100 dalam poket seluar. Mesti rasa macam heaven betul. Kan? 😄
Sekarang cuba bayangkan kalau anda kehilangan ketua keluarga yang merupakan sumber utama kewangan keluarga, berapa banyak komitmen akan jatuh ke bahu anda sebagai penolong ketua keluarga. Contohnya kalau anda ialah seorang isteri.
Contoh komitmen suami anda bayar selama ini ialah RM3K sebulan. Adakah anda bersedia nak ganti tanggung komitmen sebanyak itu bertahun-tahun? Dengan komitmen sendiri lagi. Semestinya serabut dan tertekan.
Anda beruntung. Sebab tengah-tengah kemas bilik, anda nampak fail merah yang ada kad nama saya. Jangan marah dulu! Saya bukan 'husna'. Bukan orang ketiga 😅 tapi saya ejen takaful suami anda. Anda call saya, saya bagitau, "Puan, suami puan ada buka akaun ALSI dengan saya. Suami puan ada buat hibah takaful RM1 JUTA untuk beri pada puan bila dia dah tak ada nanti. Jadi bila suami puan meninggal dunia, pihak saya akan beri cek wang tersebut pada puan." Apa anda rasa?
Nak menangis sebab tak pasal-pasal dapat RM1 JUTA. Sekelip mata beban nak tanggung komitmen tadi hilang. Bertambah cinta kat arwah suami. Bukan RM100 tapi RM1 JUTA tau. Banyak masalah boleh selesai. Suami pun insyaAllah banyak pahala dapat.
Suami anda ada buka tak akaun simpanan nama ALSI ni? Tak susah pun. Pindahkan 10% je daripada gaji ke akaun ni. Kalau umur panjang pun nanti boleh guna balik semua saving tu. Yang penting, apa-apa jadi insyaAllah anda tak susah, anak-anak tak susah.
Jom mula hari ni. Sebab esok belum tentu kita masih ada mereka, dan mereka masih ada kita. Ajal maut semua rahsia. Maka bersedia lah setiap hari.
Money tin saving at it's best.
We always found ourselfs getting tempted to open tin early.
This time around we have added a check board. Each time we add money we highlight that number. Once all squares are coloured in we will have $2500 in our tin!
We also dont count silver coins so there will be an added bonus at the end :) #debtfreecommunity#saving#budget#debtfreegoals#moneytin
You guys, I’m lost for words. This is one of the milestones I SO looked forward too, paying off my car loan. Even in these final months as the loan got smaller and smaller it seemed like such a dream to have my car that I LOVE finally paid off! Small changes every day equal big things. 12 months ago I felt buried in debt, now I feel like we’re almost at the top of the mountain after hiking for 12 months straight. If we can do it, you can too! Don’t look back in 12 months and wish you started today! ——
I still get slightly anxious paying things off with large payments, the consumer in me still wants to squirrel any money away for a ‘rainy day’ but you know what, that’s got me nowhere in the past, so I let that feeling go and hit SUBMIT reminding myself that I’ve never regretted any extra payments we’ve made to our debts, just the same as I’ve never regretted throwing away anything I’ve second and third guessed about hanging onto. ————-
Ps. I included a little throwback to the FIRST time I calculated a payout quote, just shy of 12 months ago when we started this journey!
55 2634 hours ago
FYI, if you use Snap benefits. Some good info that I wanted to pass along. You may not get benefits in March if the shutdown continues. Plan accordingly. You may want to join some food pantries just in case or start collecting some shelf stable foods. I will try to start sharing more food deals for those in need. I do have $50 off territory food boxes in my bio. Repost @couponing_unicorn
3 3210 hours ago
WANT TO RETIRE BY 30? DO THESE 6 THINGS! 🔑
What are you doing to retire early? We want to know! Tell us what you’re doing in the comment section below!👇🏻
What’s up @financeandfreedom community! Just want to say I love you all, thank you so much for all your support. Anyways, let’s face it - we all want to retire early. Retiring by age 30? It’s a heck of an endeavor, but it IS POSSIBLE... if you take the right steps! Here are 6 things you need to do to retire by age 30! 😜
Squeeze your 9-5! If you have a solid 9-5, leverage that consistent income flow to prop up your investments and passive income streams. It’s reliable and supportive. Utilize that 9-5 as long as you need to! 😎
Save more than 50% of your income! This is absolutely crucial. You need to save and invest like crazy if you want to retire as early as age 30! 🤑
Have a target! You need to put a number on your retirement, meaning you need to have an amount in mind that you believe you can live on for the rest of your life. To be safe, maybe you should overestimate how much you need to retire comfortably! 💪🏻
Simplify your living style! Declutter and get rid of all the material items you don’t need. They’re just stealing money away from your retirement! 😤
Downsize your expenses! Have an expensive car and house payment? Downsize NOW. Live a minimalist life style and see the wonderful effects it has on your savings and investing rate! 😱
Create a retirement spending plan! You’ve saved up enough for retirement... how are you going to divide that money over the rest of your live? Create a sound spending plan so you can make that money last! 🙌🏻
Leave a like and tag a friend who wants to retire early! 😜
🔥FOLLOW @financeandfreedom for more!🔥
I saw this post and just thought...whoa! Back in my spending days, I definitely spent a lot on eating out and wish someone had knocked some sense into me. I’m very thankful for the food budget I have now! (Also, I don’t know how this is a life hack.)