During the holiday season, everyone talks about making a gift list and checking it twice. But have you thought about the importance of making a grocery shopping list? If you’re hosting a big meal or party during this season, you’ve got to have a plan before you start stocking your cart!
Research from the University of Pennsylvania indicates that people who avoid impulse shopping can save up to 23 percent on grocery bills.1 Grocery shopping lists are crucial, especially during times when money is tight. To keep that money in your pocket, just make a list and stick to it!
A 2012 Gallup poll revealed that Americans are spending an average of $151 on food per week, and one in 10 say they spend $300 or more per week.2 Consider how those numbers spike when you’re planning a big family meal or party! For example, the average Thanksgiving dinner will cost $49.04 this year.3 Factor in traveling or buying gifts, and you’ll soon realize every penny counts during the holiday season.
To help you save, we’ve created these Holiday Menu Planners (one for Thanksgiving and one for Christmas) that you can print out and use. Plan your menu, make your shopping list and get a head start on saving more this season!
Click here for PDF versions of the holiday meal planners or click the images below to enlarge and print.
Posted in: Primerica, Tips
It’s that magical time of year again! Bright lights, holiday music, the biggest shopping days of the year — Black Friday and Cyber Monday (the Friday and Monday after Thanksgiving). That means big spending, frenzied shopping and all kinds of holiday-induced chaos are just around the corner! Want to put the joy back into giving? Follow these 10 simple strategies:
1. Shop off those Thanksgiving calories! Want to shed some of those delicious holiday meal calories? Put on your comfy shoes and head out to the shops! What better way to celebrate your family than by picking out the perfect little something-something?
2. Make a list and check it twice. Have a plan! Make a list of who you’re buying for and what you want to get them. That way you’ll have a clear focus. If you’re headed out to the shops, plan your route so you can save time.
3. Stick to your budget. You might score big-ticket items for a deal, but there will be more deals coming. Don’t grab and go. Stick to your budget. Odds are, the deals will keep coming and what you save in one area can be reallocated if needed.
4. Say it with me: “Technology is my friend.” There are tons of apps that allow you compare prices, scan bar codes and more! Make sure you’re getting the most bang for your buck by taking your smartphone shopping with you.
5. Come on, get social! Most retailers post their best deals on Twitter and Facebook. Go ahead and friend the stores you’ll most likely visit and get the scoop on deals early.
6. Beware of doorbusters. You can score some great deals, but know that they’re called doorbusters for a reason: to get you in the door to buy higher priced items. Stay strong!
7. Avoid the crowds and shop online. If you want to avoid the frenzy, shop online. Stores will have deals throughout the holiday season — Cyber Monday — and beyond! Also, there are lots of voucher deals up for grabs daily on sites and apps like Groupon, Living Social and Pricegrabber.
8. Cut coupons. Play the match game. In addition to great deals, many stores will be sending out store coupons in flyers and via email. Clip and save! Some stores will match their competitor’s prices. Save yourself some extra trips and find out who’s playing the match game on the object of your desire before you go.
9. Don’t suffer buyer’s remorse. Retailers are becoming stricter on their return policies. Don’t over-buy and hope to return for full reimbursement later. Some stores will only offer a credit even if you have a receipt. Also, do your recipients a favor and ask for a gift receipt.
10. Just DIY already! Want to cut costs and take a more personal approach to the holiday? Make some of your gifts. Not only are they from the heart, but think of the savings! And, between DIY bloggers and Pinterest, you can find out how to make just about anything on the Web.
Tags: budget, gift, giving, holiday, shopping
Posted in: Primerica, Tips
The Internet has changed a lot of things. But how Canadians want to buy their life insurance? Not so much. A recent survey by the worldwide industry group LIMRA found that 76 percent of Canadians prefer to buy life insurance face-to-face rather than on the Internet, at their workplace, by phone or direct mail.
Challenge: Buy What from Whom?
While families know they need life insurance, there are still the questions, “What kind do I buy?” … “How much do I need?” and, “Who do I buy from?” Primerica representatives are local community members who have been serving Main Street families in Canada for 27 years. Your Primerica representative can help you navigate the worlds of life insurance, savings and investment, disability insurance and much more. Find your local Primerica representative today.
Posted in: Primerica
Primerica veterans Gordy & Brenda Bohannon, of Hiawatha, IA, were recently thrilled to be present when their middle son, Zach, and his university basketball team were invited to open the Toronto Stock Exchange.
“Our university basketball team had a trip planned to Ottawa and Toronto to compete against some international competition in August 2013,” reports Zach. “Before we left Canada to return home, the CEO of the Toronto Stock Exchange – who graduated in the same class as my dad – called my school’s basketball office to offer the team the chance to open the exchange.”
Gordy proudly continues, “We spent almost an hour with the CEO after the open, talking. It was such a surprise learning we graduated at the same time. When he found out that Zach has an economics degree, a Masters in communication and that he is working on his MBA in investment banking, he offered him an internship! After talking to our Primerica kid, that CEO was blown away by my son’s communication and leadership skills!”
Growing up “Primerica” has its advantages. Experiencing the positive, encouraging atmosphere of a Primerica entrepreneur’s office and witnessing the proven success of the Primerica system often helps kids adopt the strong work ethic and leadership skills of their parents – like the Bohannon family is enjoying. Start your own family legacy of leadership and success as a Primerica entrepreneur!
Tags: basketball, bohannon, canada, exchange, finance, personal, Primerica, stock, toronto
Posted in: Primerica
Have you paid off a significant amount of debt? Congratulations! Making that final payment represents a long journey, and seeing a zero balance should bring a sense of accomplishment for a job well done. However, it’s understandable that you might want to reward yourself for your frugal efforts. In fact, many newly debt-free people have felt the same way – and returned to their old ways. It’s easy to repeat the same patterns that led you into debt. To avoid winding back where you started, try these steps:
Redirect the money you spent on debt payment to savings. Everyone needs an emergency fund – and not just credit cards. Not having one probably helped lead you into debt in the first place. The old standard of 3-6 months is a good starting place; however, eight to 12 is even better (and better for keeping you out of debt).
Identify your triggers. What do you find so hard to resist that you will be tempted to charge again? Eating out, clothes, vacations, etc.? Avoid temptation by skipping places that tempt you – particular stores or restaurants, for example. If your trigger is eating out, try to plan your meals in advance for the week. If entertainment tempts you, think of cheaper alternatives (meeting a friend for coffee instead of dinner or a seeing a matinee instead of a pricey evening show).
Never forget how debt made you feel. It’s easy to forget the anxiety and stress that were a part of your everyday life when you were in debt. Try not to. Come up with a tangible reminder (an old bill perhaps) so that you stay mindful of where you have come from and how important it is to never go back. Avoid the old patterns – create new ones and enjoy your new debt-free life!
Posted in: Primerica