Showing posts with label shopping online. Show all posts
Showing posts with label shopping online. Show all posts

Friday, January 16, 2009

Surviving a Recession Without Gaining Weight.

As I watched the morning news I heard that the general public has a tendency to put extra weight on during a recessionary period. The report sighted buying cheaper foods with higher calories to feel full longer, being the leading cause for weight gain. So let's look at the few possible reasons for gaining extra weight during a recession and ideas to combat the bulge.

Stress and worry are two major emotions we deal with sometimes daily during a recession or almost any time in our lives. Many people go to comfort foods which in most cases are high in fat and calories and low in nutrients, a good example is chocolate. If you feel nothing else will help but eating that favorite comfort food just set a limit to ensure you eat a smaller portion. Another option is to up your calorie burn by increasing your exercise time or workout intensity. Exercise also has the benefit of releasing endorphins, the natural way to increase feelings of well being in our bodies to help ease the effects of stress. Yes chocolate also has endorphins but then you have the guilt of extra calories to deal with later.

Today I hear people are not purchasing fresh produce to save money at the grocery store. Nutrition is still important during a recession. So is it possible to still eat healthy on a limited budget with less money to spend on food? Even in good economic times most people don't consume the recommended amount of fruits and vegetables. Since it is winter in my area most of the local farmer markets have closed for the season. Yes, fresh produce is at its highest price when out of season. So what can we do? There are other alternative to help us reach our daily recommended goals while on a budget. Let's just move further in the grocery store past the fresh produce section to find money saving options. Going down the canned goods section options abound. Check labels and choose fruits packed in natural juices and low sodium vegetables. Several great things about canned goods are they are; reasonably priced, have a long shelf life, minimal storage requirements, and are quick and easy to prepare. Another area of the grocery store to help you make healthy money saving options is the frozen food section. A wide section of assorted vegetables are always available with less fluctuation in price compared to fresh. One of the great advantages to frozen produce is the ability to cook only the amount you will consume which saves you money with less waste. The only disadvantage I can find if freezer space is limited in your situation. Do you have ideas on how to eat your fruit and veggies while staying within your budget and not packing on the pounds? Please share your ideas and comments.

Monday, December 1, 2008

Shopping Online

Going online can be a convenient and economical way to do your holiday shopping. The stores are open 24/7 every day of the year and you don’t have to fight the crowds and traffic at the malls. It can also be a safe one if you follow a few simple guidelines. · Know who you’re dealing with. Be sure to get the seller’s physical address and phone number in case there are questions or problems with the merchandise. Does the web address of the seller look right or does it contain some extra information that may be an indication of someone spoofing by masquerading as a legitimate seller. DO NOT ORDER from online stores that do not offer secured transactions.
· Know what it is that you are buying. Read the product description closely including all the fine print. Is it a new or a used or refurbished item? Brand names at extraordinary bargain prices may be counterfeit.
· Know what it will cost. Are there shipping and handling charges? What about sales tax? What is the total cost after any additional charges such as these are factored in. Does this still fit into your budget?
· Pay by credit or charge card. If you pay by credit or charge card online, your transaction will be protected by the Fair Credit Billing Act. Under this law, you have the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor is investigating them. In the event of unauthorized use of your credit or charge card, you generally would be held liable only for the first $50 in charges. Some companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return, and/or purchase protection benefits.
· Check out the terms of the deal. What is the delivery date and method? Is there a refund policy if you are not satisfied with the merchandise? Are there restocking fees for returns? A Federal Trade Commission (FTC) rule requires sellers to ship items as promised or within 30 days after the order date if no specific date is promised.
· Print and save records of your online transactions. Include the product description and price, the online receipt, and copies of every email you send to or receive from the seller. Review your credit card statements as you receive them for any unauthorized charges. For additional information, check out the following resources: Pennsylvania Attorney General’s Office: http://www.attorneygeneral.gov/consumers.aspx?id=1920