How to Create an Actionable and Successful New Years Resolution

This is an article that I wrote which was recently published! Feel free to visit the article here as well: http://ezinearticles.com/?How-to-Create-an-Actionable-and-Successful-New-Years-Resolution&id=1791609

It is again that time to evaluate the year that is coming to a close and to dream of what could be in the New Year that is upon us. Some of us will develop New Year's Resolutions and dream big. Some of us will look with a cynical eye at that process and let another year go by without fulfilling a dream. Unfortunately, the latter approach stems from how so many of us have created those New Years resolutions only to find that we are not successful within months, if not weeks into the New Year.

Here are some basic tips and examples of how to create a New Year's Resolution that you can truly incorporate into your every day life. Go ahead and dream big, you can be successful with a New Year's Resolution! Make 2009 your year to accomplish greatness and use these tips to help loved ones accomplish their desires along with you!

The first step is to decide what is a realistic desire or dream is and to write it down at the top of a piece of paper. You have to define what your goal is. Furthermore it has to be something that you can realistically accomplish. "World Peace" is amazing, and I admire that sentiment. But that is bigger than me, and I need something that I can work on every day that I own and can directly impact.

Then, on this same piece of paper draw a line down the middle of that paper and one half of the page should be titled Qualitative and the other have should be titled Quantitative. The Qualitative side describes the qualities of your dream or desire. How will it feel, how will it change your life, how will it impact those that you know and love? The Quantitative side is how it will be documented, weighed, supported and measured. Once you have brainstormed this on our own, I strongly suggest sharing these ideas with a loved one. You can get their input and ideas, and even more importantly, their "buy-in" to help support your goals! Putting all of this together on your sheet of paper is the foundation to creating an actionable game plan to accomplish this resolution.

Here are three of examples to assist you in understanding how easy this process is, what it could look like and provide some ideas for your New Year's Resolution!

Example 1:
I want to create a budget to save money.

Qualitative factors:
I will have to prepare myself to go without something that may be special to me.
I will sacrifice to save that money.
I will feel better if I have some extra money in the bank, for an emergency or for something fun.
I love my daily mocha at work, but that would be something that I could sacrifice that would save me a lot of money.

Quantitative factors:
That beloved mocha costs $3.95 each day that I work.
I work roughly 260 days of the year.
If I do not buy that mocha each day, I will save $1027.00 with this resolution.
To ensure that I save that money, I am going to set up a bank account into which I will transfer $3.95 for each day that I go without my mocha.
By the end of the year I should have $1027.00 in that account (without any adjustments for interest, of course!).

Example 2:
I want to lose weight this year.

Qualitative factors:
I know that I will feel better.
I will be able to fit back into my skinny jeans.
I will extend my life expectancy and enjoy my family longer!

Quantitative factors:
It is realistic to lose on the average 1 pound per week, so my first goal is to lose 20 pounds this year. I will strive for that first 20, and continue forward once I have hit that goal.
To lose approximately 1 pound per week, I need to cut about 300-500 calories per day.
A daily mocha is about 330-400 calories, depending upon the milk I ask for (nonfat slightly less than whole milk, of course)
If I no longer drink a daily mocha, I will save at least 330 calories per day.
I will track my daily caloric intake in a weight loss journal and add up the calories each day. I will not add anything to my diet that would take the place of those 330 calories!
I will weigh in every Monday and ensure that I am losing my 1 pound each week.
I will enter that weight each week into my weight loss journal and ensure that I am on track to lose my one pound per week.
I will also increase my exercise by using that time that I typically got the mocha and sat to drink it to walk instead; walking each day, 5 days a week for approximately 30 minutes.
I will note that walking each day in my weight loss journal to stay on track with my overall weight loss goal.

Example 3:
I want to focus on family this year.

Qualitative factors:
I know that it will bring my family closer together.
I know that we will have fun together and create family memories to last a lifetime.
I may save even more money by not going out.

Quantitative factors:
As we are a busy family, we will post a family calendar.
We will set each Friday night aside as a family night and put that on the calendar.
Everyone can plan their week around that evening.
We will create a rotation of who gets to select what we do that evening to keep that evening interesting, fun and spontaneous.
That rotation will be noted on the calendar by calling each Friday night by the family member's name and chosen activity, like Kelly's Cooking Night in which we all cook a meal together.
We will also document each evening by taking pictures or video and create a yearlong digital diary of our evenings together.

As you can see, New Year's Resolutions can be fun and can help you create true change in your life. By discovering both the Qualitative or subjective and emotional roots in your resolution AND the Quantitative or objective and measurable aspects in your resolution, you will be far more successful in accomplishing your resolution all year long. You can dream big and still be successful! With just these few statements on either side of my Resolution page, I can craft a game plan that will work, that is actionable, that is measurable and that will help me save money, lose weight and/or improve my family life.

From here, I suggest typing up your New Year's Resolution and laminating a couple of copies. One posted by your mirror so you are reminded of it every morning is a great way to start your day in the right direction. Put one copy by something that is a constant reminder of your Resolution. For example, if you are trying to lose weight, post it on your pantry door. That way you can think about your Resolution before opening that door for a snack! Of course, you will also need to prepare and have your tools handy and in a place that you touch every day. For example, for weight loss, you may need to get a pedometer and a journal in which you can track your calories, weigh-ins and your exercise routine. Keep that on your desk if you check email each day, or in your purse or briefcase so you can track your progress throughout the day.

Finally, don't forget to celebrate the wins. If you lose your first 20 pounds, treat yourself to something special. Maybe a new pair of jeans you have had your eyes on, or a makeup makeover! If you save your budgeted savings, pay off some debt and celebrate your steps toward financial freedom or retirement! If you find that you enjoy those amazing family nights together, create a digital scrapbook as a gift to your loved ones next Holiday season. Make a calendar that spotlights 12 of your favorite pictures together, or create a journal of your favorite pictures for your kids.

Shopping Tips for the 25 Days of Christmas: Tip #25

This is going to be my favorite tip of all. I have offered a wide range of holiday shopping tips, 24 so far, that stem mostly from my retail management experience. Some from my own experience as a consumer. All of them, however, lead to this very last tip.

HOLIDAY SHOPPING TIP #25:

Enjoy spending time with family and loved one this holiday season. Your presence is the very best present you can give to someone you love!

I hope that you have a wonderful and restful Holiday Season and a Happy New Year!

Shopping Tips for the 25 Days of Christmas: Tip #24

When it comes to giving for friends and family, it becomes very complicated when you are on a budget and yet still want to give presents or tips this holiday season. Many of us are also dealing with gifting for teachers, for co-workers, giving tips to service providers. It becomes overwhelming and incredibly expensive to try to accomodate everyone!

However, it does pay to have open, honest conversations with friends and family. While it may feel very uncomfortable to start that conversation, you will most likely find a very open and relieved recipient to that dialogue!

HOLIDAY SHOPPING TIP #24:

Set realistic expectation for gift-giving with friends and family members!

There are countless other options to spending money on gift after gift after gift. Discuss expectations with friends and family, and while setting gift-giving rules may seem to take away from the holiday spirit, it will certainly help everyone with their holiday budgets...which in the long term makes the holidays much less stressful for everyone!

* Set a budget for kids gifts. Really, kids receive so many presents, they will still love and appreciate smaller gifts as well!

* Make handmade presents and "swap" talents. I can knit, you make soap. I will gladly create a scarf for you, if you are willing to create some luscious soaps for me! I know of many handmade "trading" circles, suggest one for your circle of friends. Most everyone has a unique craft talent!

* Draw names for adult gifts in a family. Instead of large families buying gifts for everyone, it is fun to draw names and get one special gift for that recipient.

* Create fun coupons in which you will offer your unique and special services. A friend of mine has a sister who is a masseuse, and she gives coupons for a free massage. Sounds wonderful to me! She really does not have to spend a lot of money on those gifts, and she gives her friends and family a wonderful gift...her time and talent!

* Get together and simply plan a nice holiday event in which you savor each other's company. Instead of everyone spending so much on gifts, each person could create a special holiday food dish that represents their holiday tradition or heritage and simply enjoy everyone's company. A fun potluck-type get-together creates many more lasting memories!

The reality is that many of us do not have the holiday budget that we have had in the past. It is not realistic to run up debt or overspend to try to please everyone we know and love. Many of them, too, are trying to cut back. It makes much more sense to strive to enjoy handmade gifts, share out talents, and ultimately share our time and love together this holiday season.

Shopping Tips for the 25 Days of Christmas: Tip #23

While many of us are focusing on the wonderful and joyous aspects of the holiday season, there is an unfortunate darker side to the holidays as well. With an economy that is tough for so many, there is a criminal element that arises from this hardship. Also, at a time of the year where so many are doing a great deal of shopping in large crowds, we are sometimes left more vulnerable than we truly know.

Many of us are operating on a "cash-only" holiday shopping budget. So, that means that are carrying more cash than ever, and the thieves know that too! While I certainly do not want to scare anyone during the holiday season, I know from my many years of retail management experience how so many people assume they are safe, are complacent and truly do not focus on their personal safety while out shopping.

Thus, this tip is all about being safe with your cash while shopping this holiday season!

HOLIDAY SHOPPING TIP #23:

Use these tips to be cash safe this holiday season!

1. Many of us rely heavily upon ATMs to withdraw cash. If you can, do the buddy system, especially with ATMs that are slightly more isolated, or if you are withdrawing money while it is dark. If at all possible, it is best to do that cash transaction inside the bank. Take care to make sure that you get your card back (over the last week, I have found TWO cards left in ATMs!) and that you are careful with entering your pin, and requesting and taking your receipts. Yes, the information is somewhat "encrypted" but do you want a potential criminal to know your balance information and decide to target you based off of that info?

2. Do not keep all of your cash in one place. If you are carrying hundreds of dollars, or more, try to break it down into smaller batches so that you are not pulling out a fat wallet or "wad" of money. That is really telegraphing to a potential pickpocket or thief that you are a target. Paper clip it into smaller batches (say $100 in $20s) to minimize how much money you are pulling out in public at any given time.

3. Keep your cash as close to your body as possible. I continue to see moms with their purses in shopping carts everywhere I go. Yes, I live in a safe community. But, remember, the criminal element knows where the "safe" communities are, too. They will pinpoint those very communities as they know that we are more likely to assume that we are safe. I can tell you from experience, when we caught and busted pickpockets and thieves in my stores, they were not from the immediate community. Some had come from as much as 2-3 hours away to get to you in your safe community.

4. Never, ever keep money in pockets, jacket pockets, flaps of your purse or anywhere that a pickpocket could have easy access. A casual "bump" in a crowded mall could be someone relieving you of your cash! I have seen videos of pickpockets that have been caught in my stores, and I can tell you that they were so good I could not even see them taking the cash!

5. Make sure that you are thorough in giving your cash to a cashier. Count it out to them, make sure that they know you are well-aware of what you are handing over to them. Short change artists rip off cashiers all of the time, however, that is reciprocated with cashiers short-changing consumers as well. I had a friend who recently paid for an item and in the hustle and bustle of the transaction was short-changed by $40.00! She told me, in tears, and I called the store on her behalf asking the store manager to count down that drawer immediately. Luckily, the store manager listened, pulled the cashier off of that lane, counted the drawer and found it to be $267.00 OVER in funds. That cashier was creating an amazing little holidy shopping kitty for herself. My friend got her money back, but think of all of the other customers (to the tune of $227.00!) that may not have realized that they were missing change! OUCH!

I do hope that these tips are a reminder to shop safely with your cash this holiday season! Happy Holidays!

Shopping Tips for the 25 Days of Christmas: Tip #22

This holiday season many of us are using far less credit, in some cases because we simply do not have as much credit extended to us, in other cases because we are using cash trying to eliminate debt. Credit card companies have lowered credit limits on many consumers, even those who have faithfully paid their bills on time over years! So, for some consumers they have far less "credit buying power" this holiday season. However, there are ways to protect and maximize that buying power if you so choose!

I have touched upon credit and credit cards in a few other tips, but this one is all about using credit safely this holiday season!

HOLIDAY SHOPPING TIP #22:

Use credit and/or debit cards safely this holiday season!

By "safely", I mean the following:

Carry as few cards as possible. If you wallet or purse is lost or stolen, you will have far less risk and far fewer cards to follow up on to close or cancel. I have a dear friend who worked so hard to pay down credit and yet for some reason she still carried those cards with her. Her purse was stolen, and she had a serious mess on her hands, months of battling with credit card companies and following up on fixing that damage. Just don't carry the cards with you, not only does it reduce the temptation to spend more, it keeps you safer.

Carry credit cards as closely to your body as possible. While shopping the other day, I noticed several customers who had left their purses in the shopping cart while they were looking elsewhere. Don't set yourself up, when an economy weakens, the criminal element arises.

Ensure that you keep your eye on your credit card at all times. Do not let an associate wander off with it, make sure that they process the credit card transaction immediately and right in front of you. I was recently shopping and an associate asked to take the item I was interested in and my credit card to give to another cashier. I politely told her that I would do that myself, and thanked her for her help. As a retail manager I was involved in countless internal investigations in which associates were able to get (and immediately USE) credit card numbers that they had gotten in seconds (often times they jot down the number, or they make a "carbon" copy by putting a piece of paper over it and rubbing with a pencil).

Be very careful with applying for the those "immediate" store credit cards. I myself am very leery of this, and in all of my years of retail management, I have never once done this myself. I know from an insider perspective how "sloppy" this process is, and would never expose my personal information in that manner. The applications often sit at registers, exposed to many associates (and even other customers) and I have been involved in way too many internal investigations linked to instant credit applications and identity fraud. Even if the retailer can offer you a completely paperless manner, in which you enter all personal information into a keypad or telephone, I would still not do it. While the immediate discount is very attractive, weigh it against the risks, the reason they are offering to extend credit to you (to get you to buy MORE!) and the interest rate you will pay if you do not pay that balance off immediately.

Set up online account management with your credit cards. During this time of the year, it is a great idea to log on daily and review your charges. If you see anything suspicious, you can react immediately and get resolution much more quickly.

I hope that these few credit safety tips help you to save money and your credit this holiday season!

Shopping Tips for the 25 Days of Christmas: Tip #21

As a veteran of the retail industry, I know all too well that when economic times are tough, retail managers get very creative to "save the sale" and keep your customers happy. Prices are so incredibly promotional right now, and in some cases literally dropping by the day.

I had posted an earlier tip about keeping your receipts to ensure that if prices dropped, you could return to that retailer to get a price adjustment. Many retailers offer at least a 14-day price protection so that if it goes down (except in the case of clearance items) the retailer will give you that lower price.

The following tip is also related to getting the best price, but with a twist:

HOLIDAY SHOPPING TIP #21:

Keep your eyes open for prices at competitors and ask for that price match if you have already purchased that item at another retailer!

If you have kept your receipts, and find an item that is less expensive elsewhere, you should ask for a price adjustment. If you can find documentation of this lower price, bring that with you (an ad circular, a screenprint, etc.). If the retailer refuses to adjust your price you always have the option of returning the item and purchasing it from the retailer that is less expensive. In today's competitive retail world, the chances are pretty good that the retailer will try to "save the sale" and adjust your price by a few dollars instead of losing many more dollars. The best thing you can do is to ask for the "Manager on Duty" and politely and professionally inform them of the price difference.

This also applies to your online purchases, you should inform the online retailer that there is a lower price from another online competitor and that you would like to ask for a price adjustment. Again, you should have documentation, and can send them a link to the item in your communication.

Where it gets tricky is when you purchased something in a store, but see it online at a competitor for less. Online pricing will often be different than store pricing as they are working with different economies of scale. However, in my experience as both a retail manager and as a consumer is that a retailer will honor that price adjustment if the customer can provide some documentation. I recently was awarded a sizeable price adjustment from a national big box retailer when I brought in a screenprint of the same item with a much lower price online.

It can also be more complex when you have purchased something online but find it for less in a store. It can be done with persistence, patience, politeness and "please and thank you"! Remember, these employees are feeling the pinch of this holiday season, they WANT to find a great way to help friendly customers! The online process can take a bit longer, but I am again proof that it can be done...a certain major online retailer adjusted a $5.00 price difference for me.

Good luck, and remember to always keep your receipts!!!

Shopping Tips for the 25 Days of Christmas: Tip #20

I received some great emails regarding my shopping tips about making gifts (and not really doing all that much shopping!) and shopping handmade. Of course I network with other artists and creative types and those kind of gift-giving tips are ones that are near and dear to us!

It then dawned upon me that there is a fantastic Holiday shopping/Holiday gift-giving tip combines a "Do-It-Yourself" aesthetic and creating something "Handmade" with what you already have in your possession...

HOLIDAY SHOPPING TIP #20:

Look to what you already own that you can embellish or improve upon to re-purpose and give as a one-of-a-kind gift!

This is not "re-gifting" or doing any kind of "White Elephant" type gift. I once had a circle of friends and we passed around this really ugly (in our humble opinions) purse that one of them had received as a gift from their grandmother. Of course it was done tongue-in-cheek, but it almost became a gift of "hot potato"...who could get rid of that purse the quickest?! This is not getting rid of a fruit cake or some other odd gift you have received!

Instead, this tip is about re-purposing, and creating something completely new and different out of something that you may already own. I have a friend who is giving people on her list scarves that she has beaded and embellished. She has taken smaller scarves and pieced and sewn them together into large wraps, then crocheted borders and painstakingly beaded accents onto the silk. She has taken something that she already owned, but did not use (and that she acquired from ebay, garage sales, vintage finds, etc.), and made these items into something extraordinary. What an amazing gift!

Think of how you can re-purpose items that you no longer use that can make them special and unique for friends and loved ones!

Shopping Tips for the 25 Days of Christmas: Tip #19

With so many of us cutting back this holiday season, we are searching for sensible, meaningful gifts to help stretch our gift-giving dollars. Many of us are looking for gifts for people who may need some extra help this holiday season including elderly parents, college students and others. In the past, it would have made sense to give a splurge gift, now it makes sense to give something that is considerate and useful.

HOLIDAY SHOPPING TIP #19:

Look to gift cards for sensible gifts this holiday season!

A couple of extra tips to accompany this tip:

A word of caution in purchasing gift cards from smaller, boutique type stores, smaller regional retailers and retailers that are currently struggling. Well, yes, most retailers are having a tough season, but big box national retailers are in this game to stay, so to purchase and give gift cards from Target, Walmart and Best Buy are all a solid bet.

Find out if you get bonus points from your grocery store for purchasing gift cards. Currently, my Ralph's store is offering triple points for gift card purchases, and I can buy gift cards and translate those points into discounts for gas and groceries. Be careful, however, as they sometimes charge a processing fee that can cut into your total purchasing power and erode the "benefit" of bonus points awarded.

Find out if you receive special points, air miles, etc., on your credit card for buying MasterCard, Visa or American Express branded gift cards. I recently got an XBox 360, a Nintendo DS and some Wii games at NO CHARGE by "cashing in" on my Amex points. Not bad!

Be careful about purchasing gift cards, as there at least one major gift card scam that is impacting consumers. Both internal and external thieves will write down gift card numbers and frequently check to see if those gift cards have been purchased and activated. As the activation is often immediate upon purchase, if they have captured a gift card number that is activated they can use those funds themselves. Pick gift cards from the middle of the display, or try to select the gift cards that require a scratch off number for activation. Better yet, if you can, ask a cashier for gift cards that are located at their register as those would be more difficult to be tampered with (most registers at major retailers have cameras on them, it would be exceedingly difficult for a cashier to play any kind of gift card scam while being watched by the "eye in the sky".

Shopping Tips for the 25 Days of Christmas: Tip #18

To accompany my last Shopping Tip #17 (DIY this holiday for gift-giving!) I thought it would be important to also pass along another related shopping tip that is certainly near and dear to my heart...

HOLIDAY SHOPPING TIP #18:

Buy HANDMADE gifts this holiday season!

I love handmade gifts. I love that someone took the time to make something by hand. I enjoy that passion for their talent and gift. I really dig the idea of supporting an entrepreneur and not a huge corporation. Of course I love some really amazing brand products, however, I also truly appreciate how hard an individual works at creating something that is often one-of-a-kind or something that simply cannot and should not be replicated in a factory somewhere!

So, support an artisan this holiday season, buy local, buy handmade!

Shopping Tips for the 25 Days of Christmas: Tip #17

From my own personal experience and in talking to so many friends and family, and even in the feedback that I have received from this series of tips, I get that many of us are on serious budgets this holiday season. Coupled with that is a feeling of being pretty "burnt out" on the usual holiday consumer message. All too many are struggling with credit card debt, decling home values, and we just do not want to be overwhelmed with the usual "buy this, buy that" message.

So, I say this is a tip that many of us are probably already following, and can still follow this holiday season...

HOLIDAY SHOPPING TIP #17:

Do-It-Yourself this holiday for gifts and holiday events!

Ditch the usual media push to consume, consume, consume...buy, buy, buy! Many of us have fantastic talents that we can put to good use for gift-giving! Offer a "cookie of the month" club for friends, knit a scarf, or make hot cocoa mix (see my recent blog post on http://jet-chef.blogspot.com!). All of these gifts will cost you so much less and be so well-received! People love personal, handmade and homemade gifts.

Beyond the fun gift-giving aspect, many "DIY" gifts have an incredible element of being personal and very practical. For example, create a coupon book for elderly parents in which you offer to do "handyman" duties to help them keep up with their home. So many of us don't need more "stuff", but we could certainly use practical solutions to make our lives easier! Think how much less will end up in a landfill, think how a DIY gift will instead fill up hearts and lift spirits!

Shopping Tips for the 25 Days of Christmas: Tip #16

Many retailers offer a variety of frequent shopper programs, and I am sure that many of us take advantage of them in one way or another. Retailers have to differentiate and in a retail environment in which so much looks and seems the same one true way they have to keep hold your attention is to offer you rewards for your hard-earned discretionary spending! But have you truly thought about how you could leverage that buying power all year long to pay off for you at the holidays? While this tip is offered in December, this is a tip that you can be thinking of all year long...

HOLIDAY SHOPPING TIP #16:

Leverage your year-long shopping with retailers that offer frequent shopper awards to get "free" holidays gifts and stocking stuffers!

This is a tip that all of us can truly follow all year to "cash" out for the holiday season! I shop a variety of retailers and always inquire about their frequent shopper/rewards programs to get free Spanx, free makeup and beauty products, free groceries, free clothing, free stocking stuffers and more! You are already giving them your business, you deserve to get something back for that is a great added bonus!

I simply have a small wallet in my purse that holds the rewards cards or frequent shopper cards to ensure that I have them on me at all times. Just make sure that you know if any of the rewards "expire" as some of them have to be used in a certain time frame. However, many, like my BeautyOne cards, had no expiration date and I was able to cash in over $120.00 for free makeup and beauty products!

P.S. Speaking of getting amazing beauty and skincare products, here is one of my favorite websites to find top-of-the-line beauty products: SpaLook.com! They have amazing offers to take advantage of, from free shipping to free product to much, much more! Click on the image below to experience what SpaLook.com has to offer any beauty product and skincare aficionado!

Shopping Tips for the 25 Days of Christmas: Tip #15

Retailers are savvy about the message that they send to their customers. They spend countless dollars on marketing and media consultants, in-house and outside advertising and marketing gurus and test with focus groups the kind of commercials and advertising they plan to use. I myself saw first hand how marketing campaigns are crafted while working for a national retailer, and it is truly an amazing process.

During the holidays, these campaigns are even more intense and there is an even stronger emotional and cultural component that is designed to resonate more deeply with the consumer. This is more than selling a toy or a bike, this is selling how that toy or bike fits into your family, your lifestyle and your dreams and desires of how the holidays "should" look and feel for your family. These campaigns even poke a bit at feelings of guilt (hurried working mom who feels that she should be spending more time with her kids) or inferiority (the next door neighbor has the Lexus sedan with a big red bow, why don't I have one?)! I won't even touch the intensity of the media campaigns focusing on kids and the "want" vs. "need" factor for toys and gadgets!

This leads to an easy, no-nonsense holiday tip:

HOLIDAY SHOPPING TIP #15:

Turn off the TV during the holiday season, or dramatically limit viewing time!

These commercials are skillfully designed to provoke a very simple, visceral and emotional response. Of course, so many of us truly want the holidays to be special, and it is easy to process the media messages from retailers and their marketing messages to help us define that "special". However, with so many of us cutting back this holiday season, we are better off turning away from the TV and turning to one another to craft that "special" message ourselves. With a tighter budget it will be all the more important to turn inward to focus on how we are going to define the holidays for our family, how we are going to help our kids decide what is "need" and what is "want" and how we are going to celebrate what is most important: enjoying the holidays with friends and family.

Shopping Tips for the 25 Days of Christmas: Tip #14

From an earlier post, I described how I truly love how technology truly allows retailers to maximize customer service and drive sales. When I first started in retail, I remember how excited we were to get an corporate-wide email/intranet system. In fact, for about a month or so I went from store to store in our district, and beyond, to help train the store staff on how to use the intranet system.

What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!

HOLIDAY SHOPPING TIP #14:

Sign up for retailers' text/cell phone updates.

I have received text messages from a handful of retailers that have alerted me to products (finally) instock (a hot Wii game!) to a "text only" coupon to save 25% over a two day window. Not bad. I did get the Wii game, did not use the coupon (it was instore only, I have no desire to deal with the mall right now!!!). Remember, text messaging charges may apply, so know your carrier's text message charges and policies.

I am also sure that many of you have heard of other functions and applications, such as the Amazon application for iPhone users called "Amazon Remembers". This is pretty cool. You can take a picture of an item, upload it to Amazon and within minutes (althought anecdotally I have been told that it can take a day or even two, but that has not been my experience) you can have an Amazon match of that same item with what is typically a better price! I love to price shop, as you can see in previous shopping tips, so if you have an iPhone, this is a very slick way of trying to get the best price possible (especially when Amazon ships that item for free!).

One cautionary note: I also have been told that there are some retailers that will ask you to not take pictures in their store. I can tell you from my past retail experience that indeed we did ask customers to not take pictures in our store. Mostly to protect people, however, not our sales! So click with caution!

p.s. Here is a killer site for finding amazing prices on highend designer items for holiday gift giving (and free shipping!!!):

Shopping Tips for the 25 Days of Christmas: Tip #14

I love how technology truly allows retailers to maximize customer service and drive sales. When I first started in retail, I remember how excited we were to get an corporate-wide email/intranet system. In fact, for about a month or so I went from store to store in our district, and beyond, to help train the store staff on how to use the intranet system.

What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!

HOLIDAY SHOPPING TIP #14:

Sign up for retailers' email updates.

As much as many of us hate to get spam, or emails that simply clog up our inbasket, you can make these emails pay off in savings of both time and money! I have received emails that have offered exclusive savings and special buys. You can always sign up for the emails, and if you truly do not find them to be value-added, you can opt-out (look at the bottom of the email, there will be some kind of verbage to remove your email from their list).

I get emails from both online retailers and brick and mortar retailers. I am a huge fan of Amazon.com emails as they not only offer great savings in many cases, but they are also designed to focus on my likes and interests based off of my recent purchases. (Yes, I am a sucker and think that somehow they "know" me there at Amazon.com!) I have already saved over $100.00 easily by watching my emails and taking advantage of special offers.

p.s. Shopping for eco-friendly loved ones? Gaiam.com is the online destination for people living a lifestyle of health and sustainability. We offer over 4,500 products in categories including; yoga, Pilates, organic cotton clothing and natural and healthy products for the home. Click here for more information and amazing savings!

Shopping Tips for the 25 Days of Christmas: Tip #13

If you have been following these tips, you will already know that I have blah, blah, blah years in retail blah, blah, blah management. Well, one thing that I can share with you is that when it comes to retail management, you are looking to run your store as smoothly as possible. With that "smoothly as possible" comes many "not so smooth" customer challenges and concerns.

I have always trained my teams, and I believe this to be fairly universal in the retail world (at least those retailers with a shot at survival!) that if a customer asks for something reasonable, it is reasonable to grant that wish. Reasonable is in the eye of the beholder, or hurried retail manager, in this case. What I am going to advocate in this tip is very, very, VERY reasonable: When it comes to your online shopping, you have to ASK for something very easy for an online retailer to do to make you happy and click through to buy your shopping cart:

HOLIDAY SHOPPING TIP #13:

Ask for FREE SHIPPING!

Not a huge secret, really. Most retailers have an online code that they can offer you for free shipping. All you have to do is ask. The best place to go to is a live online customer service "chat" associate. Trust me, if you ask, they will give the free shipping code (along with other great shopping codes that they may be offering!).

Google your favorite online retailer for free shipping codes, and you can also find that there are many sites and blogs out there that will give you those very codes! Here is a fabulous site, MomsWhoSave.com. I found this site on Twitter, a great place to find such resources.

Speaking of Twitter, log on and send out a message to see if anyone can give you codes for a website that you are interested it. I have seen people helping each other out on Twitter, it is a great place to network and find such information. (BTW...you can follow me at http://twitter.com/KellyAlvarez!

You can also email or call the online retailer, but often at this time of the year, response times are longer than usual. If you are trying to lock into a great price, or have a short timeframe, that may not work.

p.s. Here is one online retailer that is offering free shipping: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!



Enjoy FREE US Standard Shipping on any order for 4 days only. Enter promo code GIFTSDEC at checkout. Offer expires at 11:59pm PST 12.7.08. Not valid with other offers.

Shopping Tips for the 25 Days of Christmas: Tip #12

After over 15 years in the retail industry as a buyer, corporate trainer and store executive, I am ALLLLLLLL about the price and value equation. After spending years sourcing clothing, I know the ins and outs of the fashion industry. Later, with a stint with a major electronics retailer I learned a great deal about consumer electronics. With this knowledge, I am slightly dangerous when it comes to knowing what to pay for something!

Lately, I have been finding that while brick and mortar retailers are offering some fantastic prices (and prices will only get better the closer we get to the holidays!) but I have found online prices that beat the instore prices SIGNIFICANTLY! I recently made an "small" electronics purchase which was $55 cheaper than the best instore price...and I qualified for FREE SHIPPING! WHOO HOOOOO!!

HOLIDAY SHOPPING TIP #12:

Shop around online, don't waste your precious time AND gas finding the store with the best price!

I know that many more of us are letting our "fingers do the walking" if you will online to find exclusive items, hard-to-find items (like some of the wii and nintendo ds games that I cannot even find at some brick and mortar retailers!) and to simply save time and energy. But, seriously, this season more than ever, I am truly finding some of the best pricing online. Not a few bucks, and certainly not savings that are quickly eroded by exorbinant shipping and handling costs! I am finding significant savings that actually put money back in my pocket!

p.s. Here is one online retailer that is offering amazing savings as well: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!



Enjoy FREE US Standard Shipping on any order for 4 days only. Enter promo code GIFTSDEC at checkout. Offer expires at 11:59pm PST 12.7.08. Not valid with other offers.

Shopping Tips for the 25 Days of Christmas: Tip #11

As a retail management veteran, I have seen the emergence and importance of consumer credit in the retail industry. One retailer I worked for focused on credit cards as a profit center, after all, when a retailer owns the debt, they also profit from the interest that you pay on revolving that debt! Another retailer focused on credit as a way to drive the average ticket. They did not "own" your debt, so they did not profit from your interest payments. However, they knew that if you used a credit card you were apt to DOUBLE your total transaction dollar...if not more!

HOLIDAY SHOPPING TIP #11:

Pay cash, or use your debt card. Keep your credit card for any online shopping in which you can find amazing prices, free shipping, etc.

Cash is king, and if you are on a budget this holiday season, you will be surprised at how much you can save if you pay in cash, or use your debit card. Credit is a wonderful thing, without a doubt, for those who manage it well. However, statistically, you will spend more per transaction when using a credit card. Period. Most of us have a completely different mindset when we have to hand over those dollar bills!

I do use one credit card that is specifically for online transactions. I recommend this as if your credit card number or credit information was somehow compromised online, you have one card to track, and one card to manage. I have found some fantastic online offers, items that even after (FREE!) shipping have been less expensive than instore prices. I definitely won't pass up on that deal! However, I have a post-it note on my computer that has a budget at the top, and I minus out the online credit transactions, and then I have to stop. So, I am balancing not only my cash budget, but also my limited credit budget!

p.s. Have company coming? Fortunoff is a wonderful resource for your home (including that cocktail bar for company!) with great holiday pricing and shipping offers!

Shopping Tips for the 25 Days of Christmas: Tip #10

After over 15 years in retail, I am a true veteran in knowing what categories are strong for retailers to make margin. One such category are those adorable "stocking stuffer" type items you see all around the stores this time of the year. In fact, here is a tip to get completely FREE stocking stuffers!

HOLIDAY SHOPPING TIP #10:

While shopping, ask for samples! Makeup counters, fragrance counters, handbags and accessory stores, almost any department store has free samples, all you have to do is ASK!

I am sure that most of us will do some shopping at our favorite department store this holiday season. I know that I have purchased some cosmetics lately and every single time I ask for samples. At the fragrance counter, I ask for samples to take home and try the fragrance before I purchase it. I have even received free key chains and a free makeup bag for asking.

Many of us hate to ask, but they offer the samples for a reason: not only to help you make future purchases, but as a small "thank you" for your business. I have received at least 25-30 small stocking stuffer-type items while doing my holiday shopping just from the last month or so. I encourage you to ask, you may be pleasantly surprised by how many great stocking stuffer items you can get for free while doing your normal holiday shopping! I even asked at an electronics retailer, and received a free pair of ear buds for an ipod. Why not?!

I am not advocating taking advantage, but I am advocating making every dollar you spend work for YOU.

p.s. Looking for stocking stuffers for the eco-friendly and green living person on your list? Here are some amazing offers!

25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #9

After over 15 years in retail, I am a true veteran in knowing what categories are strong for retailers to make margin. One such category are those adorable "stocking stuffer" type items you see all around the stores this time of the year. These are huge margin categories for retailers, and while I love to indulge in some of them, and certainly will again this year, I think that there is a fantastic alternative to finding fun stocking stuffers!

HOLIDAY SHOPPING TIP #9:

Go to the "Dollar Store"-type retailers for fun stocking stuffers!

I have found that most of the items that I would use for stocking stuffers or to fill little gift bags for parties, school parties, etc., are at the .99 store! They may not have the fancy brand name, or slightly less fancy packaging, but they are the same item, for much less money! And, when you can save a bit on stocking stuffers you can either keep that savings, or put it toward something special for the family.

p.s. Looking for stocking stuffers for the eco-friendly and green living person on your list? Here are some amazing offers!

Is Cyber Monday going to be replaced by Mobile Tuesday?

As an insider in the retail industry, I know that it is all about driving traffic and sales. This past "Black Friday" retailers offered more promotions than ever, and deep discounts to lure consumers to spend an estimated 7% more this year than last year. Now, that is not really referencing the point that many consumers held on to their money in September and October to take advantage of the promotional pricing...not to mention the how profit margins will shake out for the retailer!

Cyber Monday started out as a huge online shopping day when everyone returned to work from their long Thanksgiving weekend holiday and used their employer's internet access to shop (instead of working!!!). Cyber Monday has been used as a marketing tool by many retailers large and small to draw internet sales with special online prices and promotions. Even artisans on sites such as Etsy offer fantastic Cyber Monday specials.

It will be interesting to see how this Cyber Monday performs. For one thing, we know that November was a tough month for online commerce. Online sales actually declined for the first time for November. That is a troubling sign for retailers, especially retailers who exclusively sell online without "brick and mortar" destinations for shoppers.


(Image from www.mopocket.com)

Now, we also have "MOBILE TUESDAY". This is a newly launched promotion for retailers to take advantage of shoppers using their cell phones to buy online! One leading retailer to take advantage of this trend is The Gap. They offer a really cool iPhone app in which shoppers can put together outfits and save those items to create a gift list. They can then direct friends and family to purchase those items...all from their cell phone!

To Recap:

Black Friday...a good thing this year for price-sensitive consumers, we will see how it truly shakes out for retailers and their profit margins.

Cyber Monday...may be a disappointment if people are spreading their online shopping out over time and not one particular day. I believe this year people will use the internet more than ever for searching, and for price comparison. The retailers with the best online prices will see the best results for Cyber Monday...but there is still the profit margin aspect to those sales and volume.

Mobile Tuesday...I am going to get behind this one myself. I find it really exciting to use my cell phone technology to its true potential and will see what retailers are luring me to spend my money via cell phone shopping! This is my favorite shopping event: I don't need to fight the crowds, I don't need my employer's internet access...I can shop by phone anywhere, any time!

25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #8

As a retail veteran, I have studied upclose many aspects of consumer spending and what makes consumers spend more at any given retail store. One aspect of consumer spending is the aspect of group suggestive selling, or a kind of "pack" mentality that occurs when people shop in larger groups.

This is very common when parents shop with their kids. Kids watch TV, they see commercials for all of that neat stuff that they "need" (read: want) and when they go shopping with mom and dad those savvy kids "suggestive sell" those "needs" to their parents! I love to shop with friends, and often take a friend when I am making an important shopping decision so they can help gauge what looks good on me, if something fits right, etc. However, that friend subconsciously suggestive sells to me as well. Retailers LOVE this, and will use commercials to show parents shopping with their kids, gals with their girlfriends, etc.

HOLIDAY SHOPPING TIP #8:

If you can, with your personal safety first in mind, shop alone.

I do stress "if you can" in this shopping tip as I would always err on the side of safety first. If you are shopping at odd hours, when it is dark, or you are carrying larger sums of cash, this tip may not be the right one for you.

However, you can still shop using the "buddy system". With cell phones you can keep in contact via calls or text messages and still do your targeted shopping alone, while your friend or family member does their targeted shopping alone. Doesn't sound like much fun? Well, you will save money, you will stay on your budget, and you can always enjoy a great cup of mocha or lunch together!

And, truly, I do advocate if possible not shopping with your kids. Retailers deliberately merchandise their stores year around with kids in mind, however, at this time of the year they make it all the more dangerous! What you spend on a babysitter may be well worth the investment in what you save when you do not fall prey to kids begging for this and that..."this and that" can add up too quickly!

p.s. Here is an easy item to shop for alone, online! Barefoot Contessa Pantry items are wonderfully delicious! Fantastic food items for your holiday needs, or gift-giving needs!



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25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #7

During my over 15 year retail tenure, I got to have amazing experiences in understanding the strategy behind the physical layout of a store. I was able to be part of new store openings and remodels. There is a true science to a layout of a store and it has everything to do with the way that we shop not only with our wallets but with visual cues and emotional cues.

Without getting into the hardcore theory and strategy, I will give you two of the easiest examples... Sugar cereal is lower on the aisle so that it is at eyelevel of the kids who will beg their parents to buy them the sugar cereal. Trust me, I know as I am a bit vertically challenged and have to seriously stretch to get at my Grape Nuts and "good for you" cereals! Candy is at the checklanes so that while mom is unloading the cart, kids have yet one more chance to beg for sugar! This leads me to my next shopping tip...

HOLIDAY SHOPPING TIP #7:

Avoid departments in a store that are YOUR weakness.

Yes, this seems like a no-brainer, however, retailers have worked long and hard to get the weakness departments right in front of you. Why put toys in the back of the store? TO MAKE YOU WALK THROUGH EVERY OTHER DEPARTMENT FIRST...AND YET ONE MORE TIME TO GET TO THE REGISTERS! Shoes and handbags are my vices. I will actually walk out of my way in some retail stores to stay away from those departments. Do I lack restraint? No. But, during this time of the year, when it is easy to spend a little here, a little there...impulse buying is simply not a sound shopping strategy if a budget is in place!

I even recommend using store maps. Don't wander, retailers depend upon you wandering through the store, impulse buying, picking up this little box of chocolates, that candle. The reason so many retailers have special tables and merchandise displays up this time of the year is to capture the wandering eye and the wandering consumer.

p.s. If you have a wandering eye, let it wander here! Barefoot Contessa Pantry items are wonderfully delicious! Fantastic food items for your holiday needs, or gift-giving needs!



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25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #6

During my over 15 year retail tenure, I was known for building strong sales cultures. What is a sales culture? A culture in your store in which your team is laser focused on sales through product knowledge, instocks, great customer service and other key elements of a sales culture.

Retail teams are trained to not only provide you with the product knowledge you need to make your purchase, but if they are well-trained, they also know how to sell you expensive, high margin add-ons that can easily take you from making your budget to busting your budget!

HOLIDAY SHOPPING TIP #6:

Beware the add-ons, stick to your planned purchase.

Do your research upfront. Know what you need to make your product work to your expectations. Cables to connect a flat screen or a game system to your entertainment center can cost an arm and a leg...in some cases almost as much as your gaming system! Know exactly what you need, and only buy to that need.

I can be completely candid in telling you that retailers do not want you to be that knowledgeable. They rely on you needing THEIR knowledge, and expect that consumers come to them for the "answers". That is fine, if you want their "answers" that have the most expensive solutions to your consumer product inquiries.

p.s. No upselling here. Fantastic food items for your holiday needs, or gift-giving needs!



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