Word: spendings
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Dates: during 2000-2009
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Most important, realize that, done right, spending less doesn't mean being miserable--just making sure that the things you pay for are truly important to you. "There's no right or wrong budget," says Leslie Linfield, executive director of the Institute for Financial Literacy. "The only rule is, don't spend more than you make." Because breaking that rule is what got us here in the first place...
...embedded expenses are hard to pare. What are you going to do, buy a smaller house tomorrow? The trick is to see through the fiction that certain costs are "fixed." The typical family spends $1,303 a year on electricity; by simply unplugging appliances when you're not using them, you can shave 5% to 10% off that bill. And when was the last time you shopped for cheaper car insurance? It's an expense that's out of sight most of the year but a significant chunk of what we spend...
Inserting some wait time between the decision to spend money and the actual spending of it is another strategy. Write out a shopping list in advance, then keep to it, says certified credit counselor Alberta Gibbs. Whenever you want to get anything expensive--maybe $100 is your cutoff--don't do it right away. Give yourself a 24- or 48-hour cooling-off period, says Yale University behavioral economist Dean Karlan. If you still want the shoes--or the video game or the wineglasses--a day or two later, then allow yourself to head to the store...
...local government and release nearly 20,000 incarcerated illegal immigrants to federal authorities for immediate deportation. "I understand these cuts are very painful," Schwarzenegger said. "This is the harsh reality of the crisis we face. Sacramento is not Washington. We cannot print our own money ... We have to only spend what we have." (Read about the big race to succeed Schwarzenegger...
...outdoor mall of the titans of casual clothing - H&M, Uniqlo, Topshop, Gap, Zara and now Forever 21 - all competing for wardrobe space within a few hundred meters of one another. Expensive Japanese boutique stores are receding to the backstreets. Retail analysts say that Japanese consumers are continuing to spend in the recession, but have gone considerably down-market to less costly items. As a result, fast fashion "is a hot issue in Japan's fashion industry, especially after the entry of H&M," says Dairo Murata, a retail analyst at Credit Suisse in Tokyo. Luxury-brand sales in Japan...