Mother’s Day On A Budget

Along with the blooming flowers and blazing sunshine comes the plans for celebrating Mother’s Day. Our moms are always there for us, and now is when we show them how much we appreciate all they do.
However, between flowers, gifts, and dining out, Mother’s Day costs can quickly add up. How do you keep within a reasonable budget while still showing Mom how much she means to you?
Fortunately, it’s easy to save big while celebrating Mother’s Day in style. Here’s how:
1.) Frugal flowers
Nothing says “I love you” like a vibrantly colored bouquet, but those beautiful blossoms can cost a bundle. Save on Mom’s flowers by doing some of the work yourself. Don’t rely on the florist to provide the perfect base for the bouquet – bring your own basket from home or pick up a cheap but pretty vase at a craft or thrift store.
Also, consider shopping your local grocery store or sidewalk stand before visiting a florist. Significant savings – like a bouquet for as little as $10 – can be had by cutting out the middleman.
Lastly, if you are shopping at a florist, call first to find out when their flowers are delivered so you get the freshest of the bunch.
2.) Gift it right
Get creative! Mom would love something personally crafted by you, like a decorated framed photo of a shared memorable moment or a scrapbook of your best childhood memories.
If you’d rather purchase a gift, shop early so you don’t feel pressured into buying something you can’t afford. Also, carefully mine coupon sites like RetailMeNot, Coupons.com and Couponcabin to see if you can snag a deal.
3.) Dining out (or in) for less
Of course, celebrating Mom’s special day isn’t complete without sharing a wonderful meal. But restaurants can be expensive, so don’t make reservations just yet! Maybe Mom would enjoy a home-cooked meal more than an evening out. You can whip up her favorite dishes, set the table royally and enjoy a delicious dinner at home.
Or throw together a family barbecue. Get the grill going for a delectable dinner that’s fun to prepare and even more fun to eat!
If you’ve got your heart set on taking mom out to a restaurant, though, shop around for the best Mother’s Day deals. And, of course, check sites like Groupon or LivingSocial before making reservations.
4.) Plan ahead
It’s not too early to start thinking about next year’s Mother’s Day. Shop the post-Mother’s-Day sales for fantastic deals on greeting cards, wrapping paper, and gifts for Mom.
It’s worth the extra effort to save money on Mother’s Day expenses. After all, no one will be happier to see you saving money than dear sweet Mom!
Your Turn: How do you celebrate Mother’s Day on a budget? Share your best tips with us in the comments!

The ‘Pink Tax’: Does Shopping Like A Girl Cost You Money?

Several economic studies have confirmed the existence of a so-called “pink tax,” an inflated price attached to goods and services specifically marketed to women. While theories abound to explain the pricing discrepancy, its existence seems clear. On everything from razors and deodorant to car repair and haircuts, women are expected to pay more for products marketed directly to them. In many cases, marketing is where the differences stop.

It may seem like pennies, but across the board, these pennies add up. One study by the University of Florida found that women end up paying about $1,400 more per year. This invisible tax is taking money out of your pocket. Want to get it back? Here are some ways you can avoid the pink tax. 

Go Scentless 

Personal hygiene products are among the biggest contributors to that $1,400. Items like lotion are rebranded as “facial moisturizer” and packaging with floral designs. The “moisturizer” sells for 7-8% more than the “lotion.” The functional difference between the two products? In most cases, absolutely none. When there is a difference, it’s usually in perfume.

The worst culprit of the flowery-smelling foul play is deodorant. Men’s and women’s deodorants all have the same active ingredients, usually in the same ratios between brands. A stick deodorant is a stick deodorant until it comes time to scent it. Floral-scented deodorants sell for as much as a dollar more than their muskier counterparts.

No one wants to smell like a man (even many men). So what’s the answer? Look for scentless or perfume-free personal hygiene products. Not only are they cheaper, but the lack of chemical perfumes can be better for your body in the long run, too.

If you miss the floral aromas of your old products, consider purchasing essential oils in similar scents. You can add them to lotions and deodorants yourself at home for a fraction of the cost and keep a closer eye on what you’re putting on your skin.

When in doubt, check the ingredients. Compare your usual to a comparable male product. If there’s a reason for a gender difference, it’ll show up here. In most cases, the active stuff is all the same. 

Ignore the packaging 

The most flagrant example of the “pink tax” has to be in razors. No difference exists between razor cartridge replacements for men and women except the color of the packaging. Yet, a 4-pack of Venus razors costs $4 more than a 4-pack of Fusion razors. They’re the same razor, made by the same company. The only difference is the more expensive one is pink and the cheaper one is blue.

It’s not just razors, though. Toys, like scooters that are marketed to children, can vary wildly in price depending upon their paint job. One retailer listed blue childrens’ scooters for $24.99 and an identical pink scooter for $49.99. Incontinence aids marketed to men contained twice as many pieces as the same product marketed to women. Either in quantity or in cost, pink packaging costs quite a bit!

Women frequently encounter what one economist calls the “pink expectation.” Most products for men are imagined to be the default, so products for women must be modified in some way to make them more acceptable. Even when there’s no difference in the product, the expectation is used to justify the increased cost. Manufacturers have been exploiting that expectation to make money on the backs of women for years.

Where possible, look for gender-neutral or generic brand products. For razors, especially, the only possible differences are number of blades and level of lubrication. If it has the same number of blades as the razor you’re currently using, you can use more shaving cream or soap (another popular target for the pink tax!) to increase your comfort. 

Online services 

Perhaps the most surprising place for price differences to occur is in the service industry. Dry cleaners, auto mechanics and hair stylists are getting away with charging more to women than to men. What can be done here?

For some industries, justifications may exist. Dry cleaners may need to take more care around adornments on women’s clothing, and stylists may have more hair to deal with. In these instances, it’s best to take the justification head on. Women with short hair should ask for the men’s price and cut. Bring a mixture of men’s shirts and women’s shirts to the dry cleaner and ask the counter staff to explain the pricing difference. In many instances, service providers value your business more than they value an artificial markup.

Where possible, though, remove gender from the equation altogether. Buying cars via email using a gender-neutral signature, like the first letter of your first name, can result in more fair haggling practices. Getting quotes and estimates from mechanics via text message can discourage them from attempting to artificially inflate their bills.

Finally, if you see an instance of biased pricing like this, let others know. Let businesses that do these things know that it’ll end up hurting their bottom line in the long run. By frequenting establishments that don’t practice this kind of discrimination, you can help end the “pink tax” for everyone.


SOURCES:

http://www.news.cornell.edu/stories/2013/01/gender-equality%E2%80%99s-final-frontier-who-cleans

Brought to you by Destinations Credit Union 

Hosting A Super ‘Big Game’ Party On A Budget

Big brands are paying upwards of $5 million for 30-second Super Bowl ad slots, and the city of San Francisco is forking over $4.8 million to host weeklong festivities leading up to the big game. But when the two top NFL teams compete on Feb. 7 in Santa Clara, California, for Super Bowl 50, thankfully you’ll be shelling out considerably less than that to hold your Big Game party.

Super Bowl parties are among the most inexpensive to host. Besides the traditional chicken wings, tortilla chips and guacamole, and beer–the most important must-haves are adequate seating and a big-screen TV to watch the game.

The most widely watched sporting event of the year last year drew an estimated 184 million viewers to see winning team the New England Patriots take on the Seattle Seahawks. According to the National Retail Federation’s  Super Bowl Spending Survey, viewers spent an average of $77.88, up from $68.27 the previous year. That covered everything from game day food and new televisions to athletic wear and decorations. Food and beverages accounted for nearly 80 percent of the total of $14.3 billion in spending.

Hosting or attending a Super Bowl party in someone’s home was the most popular option. Only 5 percent of viewers opted to watch the game in a restaurant or bar, where loud noise can detract from the game-watching experience.

So if you’re planning to host a Super Bowl party for family and friends, how can you avoid going over your budget? Below are some ideas for throwing an inexpensive event that will still be fun and entertaining. 

Keep It Casual 

Set expectations with guests that your event will be low key and casual. After all, it’s the game (and the commercials) that will be the star of your event. Nearly half of viewers in the NRF survey say that the game itself is the most important part of the day, followed by nearly one-third saying that the most important parts for them are the commercials and hanging out with friends and family.

Stress in your invitation that you’re just hosting a casual get-together to watch the game. No fancy invitations are required: a simple email or e-vite with time, place, directions, and other details will do. And make sure you ask guests to RSVP so you’ll have an idea of how many people plan on attending. That way you’ll know how much food to buy–and won’t overspend for guests who won’t attending. 

Make It a Potluck 

People love sharing, and this goes double when it comes to sharing favorite dishes with family and friends. Asking each guest to bring a dish will not only create an interesting array of food and beverage offerings, it will significantly reduce your expenses.

You might say in your invitation that you’ll provide one hot main dish (such as chili or soup) and snacks (such as cheese and crackers or raw veggies and dip) so you’ll have something to serve in the very unlikely event a majority of your guests show up empty-handed. But in all probability, once you ask guests to bring something, you’ll be inundated with food and beverages.

And don’t worry about asking people to sign up to bring a specific type of dish (such as a beverage, snack, entree, or dessert). For some mysterious reason, potlucks always seem to turn out. You may be buried under an avalanche of chips, guacamole, salsa, and beer for a while–but that’s a good problem to have since you can always eat the leftovers or give leftovers to guests.

If one of your guests has a special recipe (such as spicy chicken wings or a football-shaped cake) that you think could be the star of your party, you might reach out privately and ask them to bring it. Once the teams are decided, you can ask people to use the colors of their favorite team in the food they bring (or their serving dishes) to up the fun factor.

In light of people’s food preferences (vegetarian, vegan, low-carb, low-fat) and food allergies (gluten, lactose, nuts), it’s also a good idea to ask guests to label the dishes they bring accordingly. A small card indicating the dish is vegan, vegetarian, or gluten-free, or containing nuts can go a long way to making sure your guests enjoy themselves and don’t ingest anything that won’t agree with them. 

Buy in Bulk 

Whatever food and beverage items you plan to supply for the party, watch for sales and try to buy in bulk. Your local retailers are gearing up for the Super Bowl and will have an abundant supply (and probable sales) on Super Bowl staples such as avocadoes, tomatoes, salsa, chips, carrots, celery, chicken, and beer.

Watch for the circulars that show up in your mailbox, and take a trip to the local supermarket to see what they have on sale. Now might be a good time to visit a big-box outlet such as Costco and take advantage of savings by buying in bulk. You can always use the party leftovers to feed your family in weeks to come. 

Seating Options 

You’ll want to make sure you have adequate seating for guests, but you don’t need to go overboard and rent chairs. Clear extra pillows and cushions that might reduce the seating capacity of your TV-adjacent sofa and chairs, and place them on the floor to create comfortable nearby viewing areas.

If your seating options are skimpy, don’t worry. Many people like to stand up to watch the game, freeing themselves for circulating or enthusiastic cheering when their team scores. And if you must bring in extra seating, ask a friend or family member if they can bring over a few folding chairs. 

Decorations 

It fun to spruce up your home with banners, balloons in team colors, or football-shaped trinkets. Definitely feel free to unleash your inner decorator for your Game Day bash. But your friends are really there for the game, and in all likelihood, they won’t remember your decor. It will be the fun they had, the nail-biting moments of the game, the moments of triumph and defeat as they watch their favorite team struggle for dominance. And thankfully, moments like that cost nothing.

If you must decorate, dig out decorations you have on hand or visit the dollar-store so you won’t break your budget. And is with everything, less is more. A strategically placed banner or a few balloons will go a long way to add a spirit of festivity to your gathering.