The Tricks That Stores Play On You

So, I feel that being an avid shopper has led me to uncover some tricky tricks that ALL stores get you with. It seems logical, but lethal. Sometimes, it’s not easy to detect these “bargains,” but to the trained eye, it is fairly simple.

Sales are a great way to increase a store’s money flow. When the word sale is However, sales are not always the greatest of bargains. Watch out for final sales and non-included items. It’s easy to play tricks on the common folks, and final sales can be a bitch to try to return. My advice? Try to weed out a bad deal with your common sense. It’s not that hard to ask an associate about the details and fine print of a sale.

Another issue I have with retail stores is the impulse buy section at the cashier and in the line. I literally think that cashiers take enjoyment out of taking more than enough time to ring you up. I know for me, I look around, touch a couple of items that sparked my interest, and I give myself a stern talk before I add the new impulse item to my bill. I don’t know what makes me more mad: the fact that the store actually got me, or that the cashier knowingly takes her time ringing me up.

Stores usually have large re-merchandising shifts that take up to 8 hours to completely revamp the look of the store. This way, the customer is more prone to purchase items that have a “focus” display. On top of that, music is carefully chosen in order to make you bop around and add more things to your cart…and they make sure there is a space for you to sit down and enjoy the ambiance.

Here’s my real opinion. Ya’ll are just losing control. Get it together, make sure to utilize your budget, and don’t drop your guard. Salespeople can be very convincing if you don’t want to be mean. Conclusion? Kindly say no. Tell the salespeople you don’t need their help…unless you really do. For some reason, I feel like I want to become friends with these people. TBH, they literally don’t care about anything but your money and your purchase. Gather your belongings and move along.

 

xoxo-kate

 

Gambling: Yay or Nay?

You just need to control yourself and walk away…

For most people, gambling can be a vice that they just can’t walk away from. For others, it is not an interest. For me, it’s a catch-22…do I voluntarily become a broke bitch? Or, do I walk away and enjoy other things in life? Although I would choose the latter, my friends would like to have a “sassy casino night” in Atlantic City in New Jersey.

What’s a girl to do? I can’t be a Debbie downer, so I’m gonna have to deal.

How To Gamble: For Non-Gamblers

Make A Budget

Make a budget and stick to it. It’s a common trend for me to verbally tell my fiancé my plan for a budget. I will say how much I am going to spend, and how much I am willing to bend on it. I’ll think about the bills I have to pay, and how much I already have on my credit card. It’s a good strategy to keep in your back pocket when you are faced with the possibility of winning millions.

Be Strong

We’ve all been there: you put in $10.00, and you win $20.00…then $35.00…then you lose it all. When you lose your budget, stop playing. STOP. Casinos now make it easier than ever to put you in debt…including a place to put your credit card, and ATM’s all over the floor. My advice? Take your budget out in cash before you get to the casino. Usually, there is a HUGE surcharge fee all up in that jawn.

Enjoy Other Things

Although casinos are based off of gambling and throwing away money, you might as well throw your money away (if you really want to) on something that has a guaranteed good or service that is beneficial to you. So, go to a show or a club at the casino. In the end, you’ll be happy and drunk. #whatcouldbebetter

Be Negative

Yep, that’s right…be negative. Be realistic. What are the actual chances that you will win millions? Nada. Sorry for the harsh reality, but it’s true. You won’t win big if you keep putting your money in. Chances are, you will lose…and lose big.

Cash Out and Walk Away

If you put in $10, and win $20…cash out. CASH OUT. Go buy yourself ice cream and walk on the boardwalk. Put that money in your money jar and consider it a lucky win. Don’t ever think that you’ll win more with one more round.

That’s it for now, stay tuned for some sassy observations in a couple of days. Should be a good time.

xoxo-kate

If you know someone with a gambling problem, visit your state’s website for a dose of reality.

The Hidden Secret

Here’s a tip

Here’s a quick story for you:

A couple of weeks ago, I was having a conversation with my mother. We were talking about saving money, and how to do it successfully. She had mentioned that her assistant principal uses a giant vase to count up her extra money. The vase is kept next to the fireplace, and she and her husband drop in their coins and extra dollars whenever they get a chance. At the end of the year, they take a vacation to Disney World! I’m not in the market for extra vacations, with buying a house and “being” and adult just around the corner. However, I did take my mom’s suggestion to start saving for our honeymoon!

Although this whole carrying cash thing is new to me, I’ve realized that every cent counts, and adds up pretty quickly!  Dropping in money everyday can be a simple task to forget, but don’t!

My hubby-to-be and I have already saved $80.00! It’s not much, but it feels great! You know it’s love when you love saving money with each other!

A PSA On Mental Health

I changed my thinking. It was certainly not overnight, but it came.

Wrote this when I was having a fit…you know, just a regular day in the neighborhood

I don’t think I can call myself an expert in mental health; but I will tell you I do have my fair share of experience. After being diagnosed as situational bipolar as well as clinically depressed, I have found that for every supporter of great mental health, comes 5 skeptics. Many skeptics believe that depression, anxiety, or bipolar disorder (just to name a few) is something a weak person claims in order to be accepted and not shunned for their odd behaviors and antisocial tendencies. Through my ups and downs, I am led to believe that being mentally healthy is probably the most important aspect of a person’s life. It is a necessity.

One would think that with the amount of people who suffer from mental health issues, more people would be sympathetic towards symptoms and treatments. This isn’t the case. Along with others, I have fallen victim to shaming and the occasional eye roll. I have gotten the old, “just don’t be depressed” statements, and the “so, do you take like happy pills?”

When I was first diagnosed, I found it so hard to get out of bed. One day, I came up with a phrase: “Only 12 more hours until I get to go home and go to sleep.” I lived off of that. Everyday, I knew that I had to leave my house, and be active. I would count down the hours until I was able to escape again. After living that way for almost two years, I started hearing myself say, “Only 10 more hours until I get to wake up.” I changed my thinking. It was certainly not overnight, but it came.

I cried, every day. Having mental illness is a silent battle. Not because people don’t know you have it, but, because people don’t know how to “cure” it. This frustrates people. There is no comparison to help those who question what mental illness is. Let me explain it: Imagine having any kind of personal issue, one that eats you alive. You cannot go to sleep at night, and you can’t stand to face the problem. It is almost too big for you to handle. To somebody with mental illness, that “big” problem is their entire life. There is no positive, and there is no end in sight.

In my own experience, a person will never know the true battle that a person goes through until it is witnessed first hand. After being diagnosed, I was faced with the issues of my own family not understanding what was going on. I couldn’t help my problems, and my family didn’t know how to help either. There were fights, nasty looks, and frustrating WEEKS. My siblings were angry with me for the way I spoke to my parents, but I couldn’t control my anger. After going through therapy, and still being in it, my attitude has become more bearable. I am able to express my emotion with appropriate words, and not break down in tears.

I have chosen to write this PSA, if you will, to explain the right way (in other words, least offensive) to love, make conversation with, and help those who suffer from mental illness.

1) Stop Generalizing

This is probably the most crucial piece of advice. Every single person’s issues are different. No two people have the same experiences or the same triggers. People connect through their various coping methods. A “depressed” person isn’t always the sad girl in the corner of a party. The party girl or the outgoing guy in class can suffer just as much as the quiet ones. Everyone has their own way of coping, and in some cases, people can overcompensate by being outgoing. By generalizing, you may be seen as non-compassionate.

2) Stop the Cookie-Cutter Phrases

This can be the phrase, “if you don’t think about sad things, you won’t be sad!” Yes, because if I also think I going to be a blonde, that will happen too! Being depressed is an actual sickness. Being anxious is an actual problem. Believe it or not, long term sufferers are working their HARDEST to overcome these problems. Try to say things like: “do you want to take a walk?” Or “hold my hand, tell me what you’re thinking.” Offer a piece of gum and keep your breathing level normal. Don’t write it off as “oh, Kate’s having issues again…” And walk away. It won’t help anyone. Before you say something, try to compare it to a problem you’ve had, and then magnify it times 20.

3) Try to Compare it to a Physical Illness

Most mental health issues can come through as a somatic problem. Meaning: when a person is anxious, their heart beats faster, their palms are sweaty, and they have actual problems breathing. Make sure you know the signs of when a person is having an anxiety attack. Even though it varies from person to person, look at his or her eyes. You should see panic. Sit with them, ask if you can talk. If he or she wants silence, do it. Don’t try to prove your knowledge. The fact that you know to be supportive is knowledge enough.

4) Don’t Treat Us Differently

Just like a person with a physical illness, people who suffer from mental illness don’t want to be stared at, gawked at, or left out. There is a difference between being supportive and giving us special treatment. Life can be hard enough when you think that no one understands your issues. It’s hard enough when you are secretly having a panic attack and don’t want others to roll their eyes and say, “oh, she’s having issues today.” My advice? Laugh, talk, and spend time with those people. It’s not going to be an easy battle.

The first step in becoming an alliance with those who are ill is to understand

A Credit Card Is Not Your Friend

Today is a good day. I finally paid off my credit card…in full. Oh, I can’t tell you how good it feels to finally be out of debt! Well, except…you know…freakin’ Sallie Mae.

Here are a couple tips that helped me when I was trying to swim out of this black lagoon:

  1. Don’t put small purchases on your credit card We all know it’s tempting, but don’t do it!! Putting on small purchases are easier to forget than an impending big charge. The less you put on a credit card (or debit card for that matter!) the better. I have become a big believer in trying to carry cash with me, and only using cash!
  2. Swallow your fear: submit big payments If you get a paycheck for $800, and your other bills are paid, put $100 into savings and submit a BIG payment. Try to put $200-$400 for the month. The bigger, the better. You will feel like a huge weight is being lifted!
  3. Don’t swipe after you make a payment. We’ve all been there, we think that since we paid off some charges, we can continue to swipe! Our credit line is up, so why not? I’ll tell you why…because being confident about your money can be lethal. Obviously not at all times, but when you get cocky, it can be bad.
  4. Use your card for a specific thing. Whether it is for gas or food…keep it as such. Don’t go crazy using your credit card for frivolous purchases. The up side of this is that several credit cards have a special for cash back or double points for a certain thing. If it’s offered, use it. If you get double points for food and entertainment (ie: movies)…use it for just that. You can get some super fun things! (ie: points to use towards cash, gift cards, or your cc balance)

Try it, and get back to me!

 

xoxo- kate

New Year, New Bills

Hey Boo-

I have to say, this year is going to be one hell of a year. I am looking to buy a house, move to a different area, and finally get married! There’s way too much going on, and it’s all happening in nine months! September can’t come soon enough, but the year already needs to slow it’s roll. It’s already the 6th, and I feel like I’m behind.

I feel like throughout my process of getting married, I have thought about some unexpected bills that brides-to-be (or grooms-to-be) may not have thought of. This is a doozy. In my own experience, I am going to have to get weened off of a couple things– aka, a gas credit card, an ezpass, my car payment, my insurance payment, and my medical insurance…just to name a few. I’ve already written down most of these “life” expenses…and damn. On top of being throw to the wolves, (in terms of paying my own bills…lol) I am also discovering a bunch of hidden fees along with this whole…marriage contract.

  1. Changing Your Phone Service This is one of the most painful processes known to man. For me, I am currently on my parent’s plan. In the next couple of months, I will be changing over to my fiancé‘s plan. After doing research, I get to pay a cancellation fee and then pay an activation fee plus buy a new phone! That last part was partially my fault…and partially my driveway’s fault.
  2. Moving Costs Get your friends ready…because unless you have money trees in your backyard, good luck! Moving services can cost upwards of 2 grand…with a coupon. I know I’ll be moving my stuff in my little Mazda 3…with a little help from my parents!
  3. Insurance, Insurance, and More Insurance Auto insurance, home owner’s insurance, your face insurance, dental insurance, medical insurance, mortgage insurance, flood insurance…do you get it? I honestly don’t understand why I’m not an insurance agent. I would be making bank. Anyway, make sure to budget in all your insurance needs when you’re starting your new life.

There are so many more expenses…and I can’t wait to share them all with you! For now, start saving your pennies.

 

xoxo -Kate

 

ps– don’t forget to pay your enormous credit card bill from the holiday season…unless you listened to me, and budgeted yourself!

5 Real Things I Heard This Week

I’m not going to lie, I have dumb moments…but nothing like this. I’ve had to duck under tables and run out of places in order to not be considered “rude.” Sigh. Here it is:

5 Real Things I Heard This Week

  1. “Christmas isn’t a religious holiday…these people are trippin'” Literally no words for this. I can’t imagine the disappointment this one face after googling the history of Christmas.
  2. “I haven’t heard anything about ISIS in a while, guess that’s over!” Just, not a good thing to joke about, 12-year-old. Try again.
  3. “Are you asking him to the dance? I think he has a limp. That’s not a good dance partner.” People with limps are people too.
  4. “I don’t think that jacket is a good fit for you, that’s a poor people brand.” Yes, that’s a nice thing to say to a person.
  5. “The iced bucket challenge is over! I guess everyone raised enough money for ALC!” I believe the word you are looking for is ALS, and no…it just got too cold for people to dump large tubs of ice water on their heads.

This is why I love to people watch…and eavesdrop. Piece of advice: Think before you talk. You just may end up on here…#whitneyportface

Also: just taking some time off for the holidays! I’ll be back full force the first week of January! Have a wonderful New Year’s Celebration…and don’t act a fool. Save your money. Spoiler alert: A huge ball drops and a new month starts at midnight!

xoxo Kate

A Strongly Worded Letter to Kiosk Salespeople

Dear Kiosk Salesperson,
Thank you for taking the time out of your day (and mine) to try to sell me a facial product scooped up from the Dead Sea. Really, I appreciate it.

Frankly, I think I am too nice.. See, I work in the mall, and I sometimes only have a 15 minute break to get some food. I stopped for you, and smiled politely as you went through your sales pitch. As you can see, I am ravenous and I need to get some stuff done. Not to mention, I was harassed a few steps before this: at your brother’s “Dead Sea nail filing system” kiosk. He proceeded to take off my manicure (on one nail) to show me how my nail will shine without polish. I meant to thank him, I wanted one nail completely naked. I’m glad he did it for me.

You see, I am a sales person as well; but I don’t think you see me ripping people’s clothing off in order to make the sale. In my line of work that’s considered borderline rude and perverted. I am just as successful…if not more successful when not touching clients.

I encourage you to change your ways. Stop reaching out to me and telling me my eyes are beautiful…I know they are. If your sales are down, I think it has to do with the fact your product doesn’t work, not that you didn’t ruin enough people’s manicures or face makeup.

In closing, please take a sales lecture or training class. It will do wonders for your company.

Love,
The World