It has been just over a year of online shopping.
Personally, l am not a fan of online shopping and value the in-store experience as a more effective way to ensure l get the products and the quality that l prefer. While l will window-shop online to review options and pricing taking that research to the store l feel gives me an edge to get exactly what l want for the price l want with no regrets.
Did you shop online more or less?
Yes - there were conveniences:
:: no busy stores
:: delivered to your door
:: shop anywhere anytime
:: a few added perks or discounts
There were also pitfalls:
:: not the product you thought it was
:: no direct method for returns
:: in some cases shipping charges
:: time delivery delays
:: not able to confirm sizing
When you look back at all the purchases you made ask yourself:
:: did you shop for need or did you shop to fill a void?
:: did you spend more money online than you would in person
:: did you end up with items that were useless and not returnable
:: did your budget take a direct hit leaving you with remorse
As you begin to set up your budget for a new month take a moment and reflect on what has transpired in the past. Knowing what brings you value for your money and a return on your investment is key to money management. Eliminating unnecessary spending will increase your cash flow for something you want and deserve to have.