Avoiding Impulse Spending

Answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.


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Leather Eye-Opener

Leather has become a popular fabric since its discovery. Leather has scored high because of its aesthetics, utility and durability. Leather is basically hides of larger animals or skins of smaller animals. They mainly comprise of hides of ox, cow, buffalo, goat, calf, sheep, pig, horse, alligators, snakes, lizards, seals, whales, sharks and bony fish. The hides of camel and kangaroo too may be used.
Leather was initially as a fabric to protect oneself from harsh winters as well as don a fashionable look. It was more popular among the biking community because of its durability, looks and safety. Though, leather accessories like leather belts, leather wallets, leather purses, leather shoes, leather keychains, leather pouches, leather gifts, leather momentos etc were commonly used.
With the acceptance of leather in the fashion community it started outgrowing its fan following. It hit to stardom when more and more fashion designers instilled their trust as a promising medium to express their creativity. Gradually as designer leather apparels hit the ramp, leather apparels came to be seen as an icon of style and attitude.
Some of the commonly found leather apparels include: leather jackets, leather bombers, leather blazers, leather pants, leather skirts, leather bikers, leather cycle jackets, leather motorcycle jackets, leather coats, leather skirts, riding chap pants, leather vests, leather tank tops, leather shorts, leather hot pants, leather halter etc. Some of the other designer leather apparels include: Trench coat, Pea (‘P’) coat, Overcoat, Car coat, Down coat, Duffle coat, Lab coat, Medical coat, Opera coat, Sport coat, Suit coat, Top coat, etc.
Though leather is very durable it is necessary that you treat it like your own skin. To have your leather accessories looking new and great, you will have to pamper it with a little care.
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