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Tag Archives: consumer behavior

Are You an Abstainer or a Moderator?

Tweet When it comes to goals, there are two types of people out there: Abstainers and Moderators Many personal finance bloggers try out “no-spend” or “no-shop” challenges where they abstain from certain purchases for a set period of time. I’ve never had much success with these types of challenges (in fact, I rarely go 2 months without […]

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Weird Saving Tricks I Use

Tweet Do you use weird saving tricks? We’ve heard of all the normal ones: automatic deduction from your paychecks, setting aside 10% of your income for retirement, putting your tax refund into your savings account, blah blah blah. I’m not talking about those. I’m talking about the idiosyncratic and really strange little mental tricks you […]

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Tipping Your Hotel Housekeeper / Maid

Tweet I love staying in hotels. I like the plush bedding, the spotless, well-appointed rooms, the fact that I never have to make my bed. But rarely did I think about the hotel maids who make the nice stays possible. According to travel experts, guests are supposed to tip hotel housekeepers/maids, but most folks don’t. […]

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Goodbye ING Direct?

Tweet Just heard that ING Direct will be bought by Capital One. I’ve been a member of ING Direct since 2006 and have always been very happy with their customer service. I love the sub-accounts feature, and as of right now I have 6 accounts with ING. I hope Capital One will respect the culture […]

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“Investment Clothing”: Investments That Aren’t

Tweet When is an “investment” not an investment? When it comes to “investment clothing” or “investment pieces.” According to dictionary.com, the first definition of “investment” is: the investing of money or capital in order to gain profitable returns, as interest, income, or appreciation in value. Despite what fashion magazines say, clothing is not an investment […]

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Hit Unsubscribe Button On Store Emails

Tweet As recently as a month ago, I was subscribed to the following store emails: Gilt Hautelook RueLaLa Gap Banana Republic J. Crew Ideeli Jetsetter Voyage Prive Talbots Urban Outfitters Vacationist LivingSocial LivingSocial Escapes Groupon Zozi CozyCot Sephora Ann Taylor Ann Taylor Loft [Takes a BIG breath]. One night, in a frenzy of inspiration after […]

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The Traps of Mental Accounting: Why We Treat Money From Different Sources Differently

Tweet Do you practice mental accounting? Most people do. Do you treat $1,000 that you receive as part of your regular salary differently than the same amount from a bonus or a winning lottery ticket? Research says yes, we do treat money differently, even though we shouldn’t. We are more apt to splurge (on expensive […]

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Focus Groups: Make Extra Cash by Sharing Your Opinions

Tweet Focus groups: the basics Focus groups (or paid market research studies) are qualitative marketing studies in which participants are asked about their perceptions or attitudes. These market studies are interested in certain demographics for different studies. To evaluate if you qualify for a particular study, you usually need to answer questions on your age […]

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Saving for Retirement: Love It? Hate It?

Tweet Growing up, I never had personal finance as part of the curriculum. But everything I’ve learned about motivation to save for retirement, I’ve learned in high school. Recently, TeacHer Finance wrote a post sharing her perspective – she hates saving for retirement.  I understand her reasons.. maybe that’s why I don’t really think about […]

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No More Free Checking?

Tweet Growing up in the 2000s, I, like most of my peers, have come to take free checking accounts for granted. In fact, when a big brick & mortar bank started instituting monthly fees on my checking account a few months ago, I closed that account and turned all of my checking business to a […]

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Save Money by Embracing Your Natural Hair

Tweet Did you grow up loving your natural hair? I didn’t. During my middle school years, the gold standard for hairstyle among girls were pin-straight locks that fell like a curtain down the back (think Gwyneth Paltrow’s hair below): My hair, however, was thick and wavy and unruly. Despite spending $30 on a straight iron […]

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