All posts by mindfieldonlineadmin

Twelve Days of Spending

partridgeEvery year they take that old carol, “The Twelve Days of Christmas” and determine how much all of the items listed would cost, and compare it to last year. It’s goofy fun, but it also helps paint a picture of the overall economy.

This year’s picture is not so merry, sadly.  Sure, the cost of 10 Lords Leaping is up 3% over last year. Partridges and turtle doves are up, too, due to rising feed prices. Otherwise, this year’s total is pretty flat, and that supposedly points to a “bah, humbug” economy.

So how will Gold Rings, French Hens and Pipers Piping hit your budget this year? The PNC Wealth Management Christmas Price Index has it all figured out! Let’s take a look!

  • Partridge, $25; up $5
  • Pear tree, $190; up $2
  • Two turtle doves, $290; up $30
  • Three French hens, $182; same
  • Four calling birds (canaries), $600; same
  • Five golden rings, $750; same
  • Six geese-a-laying, $360; same
  • Seven swans a-swimming, $13,125; same
  • Eight maids a-milking, $58; same
  • Nine ladies dancing, $7,553; same
  • Ten lords a-leaping, $5,508; up $160
  • 11 pipers piping, $2,635; same
  • 12 drummers drumming, $2,855; same

To see how they came up with these numbers, be sure to check out the original article. So, what do you think? Unless you’re buying the same stuf this holiday season as you did last year, it’s hard to do an apples-to-apples comparison. But, do you FEEL like you are spending more, less or the same? Let us know over at the MindField Online Facebook page, and have a great second-to-last shopping weekend!

The Gift of Dining

dining gift cardsDining gift cards… meaningful gift or not? It depends on the recipient. My mother LOVES to go to lunch with her friends. So a dining gift card makes a lot of sense. Used for lunch on Senior Discount Day, even a $25 card can go a long way.

But during the holidays, a dining gift card can go even further. Many restaurants offer bonuses during this time of year, along the lines of “Buy a $50 card, get $10 extra for free.” MoneyTalksNews has compiled a list of several of these deals. Here are the bullets…

  • Bakers Square Restaurant & Bakery: Buy $25 gift card, get $5 bonus card
  • California Pizza Kitchen: Buy $50, get $10 promotional card
  • Cheesecake Factory: Buy $25, get one slice of cheesecake or layer cake
  • Del Taco: Buy $30, get one small-size combo meal OR Buy $100 in gift cards, get four small-size combo meals
  • IHOP: Buy $25, get $5 coupon
  • Olive Garden: Buy $50, get $10 bonus offer
  • Outback Steakhouse: Buy $50, get $10 bonus card
  • Papa John’s: Buy $25 e-gift card, get one-topping large pizza
  • Pei Wei Asian Diner: Buy $25, get $5 bonus card
  • P.F. Chang’s China Bistro: Buy $100, $20 bonus card
  • Romano’s Macaroni Grill: Buy $25, get $5 grazie gift bonus
  • Ruby Tuesday: Buy $50, get $15 bonus card OR buy $25 and get $5 bonus card
  • Souper Salad: Buy $25, get $5 gift card
  • Souplantation & Sweet Tomatoes: Buy $50, get meal pass valid on your next visit
  • T.G.I. Friday’s: Buy $25, get $5 Bonus Bite card

Who’s hungry? Now, almost all of these bonus deals have expiration dates, so be sure to go to MoneyTalksNews to get the details on that, as well as how to purchase the gift cards.

I wish I had read this earlier – I always get my mom a Red Lobster/Olive Garden card. Of course, I bought it at the kiosk at CVS Pharmacy, so no bonus for me! Maybe next year…

How about you? Are you a dining gift card giver? Do any of these sound like good deals? Let us know over at the MindField Online Facebook page!

APP-Y HOLIDAYS 2015

app shopping
freedigitalphotos.net/ Stuart Miles/ imagerymajestic

When we first did a piece on Holiday shopping apps – about 4 years ago – the “gee-whiz” developments were apps that helped you remember where you parked your car, or ones that had detailed maps of malls across America.

They have gotten smarter since then. Some of this year’s highlights (and no, these are not endorsements) include the following:

  • BuyVia: Price comparisons, mobile couponing, price alerts and product reviews — along with secure online shopping.
  • Clutch: Store all your coupons, as well as loyalty and gift-card data with this app.
  • Favado: Cut your bills by comparing real-time sale data from more than 65,000 supermarket and drug stores nationwide.
  • Goodzer: Compares prices on products ranging from deodorant to little black dresses carried by stores in your neighborhood.
  • Ibotta: Receive cash rebates for everyday purchases in over 80 stores.
  • Pounce: See a product you’ve been looking for advertised in a circular or catalog at a great price? Snap a photo of it with your iPhone and this tool lets you buy it directly from the retailer in two clicks.
  • PriceGrabber: Scan products’ barcodes while shopping to see whether other retailers offer lower prices.
  • PriceJump: Scan bar codes and compare prices from stores near them and at more than 5,000 online vendors.
  • RedLaser: Scan an item’s bar code to compare prices at thousands of online retailers and local walk-in stores.
  • RetailMeNot: Collects coupon codes and sale information from a range of retailers and lets you bookmark your favorite stores so that you can check for discounts while you’re shopping.
  • ShopAdvisor: Search for your desired item (or scan its barcode), save it to your shopping list, and wait. The app will alert you when its price drops at any store.
  • Shopkick: earn rewards simply for browsing — no purchase required.

 

Download Smart!

A final note – wherever you choose to download your new apps, there should be a rating/review system to give you an idea if this app is worth it, and if it is “safe” to download. Always check the ratings and reviews!

Holiday Shopping App Links:

Have you downloaded any exciting shopping apps for the Holiday Season? Let us know over at the MindField Online Facebook page, and have a great weekend!

Cyber Monday On the Rise

cyber mondayWe have heard a lot of noise about the “Death of Black Friday” this year. Is that true?

I think it’s all relative. It’s still a huge shopping day, but maybe not as big as in the past. Why? I think shoppers are tiring of the hassle, and retailers are tiring of the negative headlines. Stores have taken steps to spread out the deals over a number of days (opening on Thanksgiving has taken a toll), and limit the doorbusters – often flashpoints for inter-shopper conflict.

One thing we can say for sure is that, this year, Cyber Monday has edged out Black Friday for the first time. Apparently, as NBC News cleverly put it: “We would rather be Online than stand IN line!”…

  • 151 million of us went shopping in total this past weekend
  • 103 million of us shopped online,
  • 102 million went to the physical stores
  • 94 million of us didn’t shop at all (including ME.)
  • We spent an average of $299 this past weekend, 2/3 of that on gifts
  • We spent $1.8 billion on Thanksgiving Day
  • We spent another $10.4 billion on Black Friday
  • Sales were down 1.5% in stores
  • Spending per shopper was down 1.4%
  • We spent $3 billion on line on Cyber Monday
  • That’s an increase of 12%
  • This year’s Gotta Have item: big screen TVs!

Read more fun facts here! Personally, I can see the benefits of the Cyber Monday thing. I have participated in the past, but never in gift-giving mode. Typically, I have been needing a new laptop for 3 or 4 months, and Cyber Monday is when I pull the trigger. I have saved hundreds of bucks, for sure, and all from the comfort of home.

How about you? Are your holiday shopping habits changing? Is Black Friday still fun, or is it losing its charm? Are you steering more toward Cyber Monday these days? Let us know over at the MindField Online Facebook page!

Black Friday Fun 2015

kohls.com
kohls.com

Once again, the Black Friday blog post – the Least-read Post of the Year®! Take a break from the craziness and check out some useful (or not) Black Friday links!

– It’s the busiest day of the year for plumbers fixing retail store                  toilets

– 12% of shoppers are drunk

Which leads to…

Anyway, after you’ve done your combat shopping, please head over to theMindField Online Facebook page and give us a report of what you’ve seen. Big crowds? Craziness? Better or worse than you expected? Let us know…and have a great weekend!

Thanksgiving by the Numbers 2015

thanksgiving spending
One nice thing about Thanksgiving is that, even when times are tight, we still celebrate it. There are years when we have to choose driving over flying, spend less on food than we like, or worry more about the price of gas. But the urge to get together and give thanks amongst family and friends remains strong. Yay, us!

Apparently, the price of gas will be the lowest, and the number of us taking off in the car the highest they have been in many years. Who knows if we are ever going to get back to 2007 levels of “comfort,” but this year seems to be better than last. How so? Let’s take a look at Thanksgiving by the Numbers 2015!

Travel:

  • $2.00 (approximately): average gallon of gas. Lowest since 2004!
  • 46.9 million: people who travel will be driving this Thanksgiving (highest since 2007!)

Food:

  • 248 million: Average number of Turkeys raised in the U.S. each year
  • 51 million: turkeys consumed on Thanksgiving day (same as 2014)
  • 20%: of turkeys raised every year will be eaten this day
  • $1.15: Average cost of pound of turkey
  • $4.37 billion: Total value of turkeys produced in the U.S. annually
  • 16 pounds: Annual consumption of turkey by the average American
  • $56.18: Average household spending on Thanksgiving dinner
  • $2.9 billion: total spent in US for Thanksgiving food

And… this year’s completely random statistic, courtesy of Cracker Barrel:

  • They will serve 1.6 million pounds of dressing that together weighs nearly 4.5 times more than the Mayflower, the ship that brought the pilgrims to America in 1620! Now you know!!

How about YOUR Thanksgiving spending in 2015? More travel or less? Driving or flying? Longer distance or shorter? More food and/or guests, or fewer? Let us know over at the MindField Online Facebook page! Gobble gobble!

Sources:

 

Our Favorite Brands

favorite brandsWhich are your favorite brands? While we’re at it, which are your least favorite? And why?

With the holiday shopping season fast approaching, we will likely be doing some comparison shopping. Which brand of smart phone, TV or whatever will you buy? Which retailer will get your business? How often do we let our research guide us, and how often do we just go with our faves?

A couple of recent business articles (like, this one and this one) highlight a survey that set out to find our favorite brands. Here are the top 10…

  1. Apple
  2. Amazon
  3. Walmart
  4. Netflix
  5. Costco
  6. Samsung
  7. Coke
  8. Target
  9. Jet Blue
  10. Chick-Fil-A

Why were these our faves? Answers include “I feel smart,” “quality,” and “cutting edge” (Apple). Or, “convenience” and “detailed product info” (Amazon). Or, “convenience” and “low prices” (Walmart.)

Funny thing, those brands that are our favorites can also simultaneously be our LEAST favorites. No names, but a trait like “Cutting Edge” can also be interpreted as “Arrogant.”

You’ll find more insights at the original articles (like, here and here), so check ‘em out! So, what are YOUR favorite brands? And why? Do you always go with your fave, or do you comparison shop? Let us know over at the MindField Online Facebook page, and have a great weekend!

Saving for the Holidays

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holiday savingsSaving up for holiday shopping used to be easier. In the old days, they had the Christmas Club. At some point, earlier in the year, you would start a savings account strictly for your upcoming holiday shopping. By Thanksgiving, you pretty much had everything you were going to spend, sitting there waiting for you – no surprises.

What happened to the Christmas Club? I don’t know. I know our savings rate remains pretty dismal. And people have more pressing needs these days, such as food and rent. But that doesn’t mean you can’t make a few cuts here and there, and save up a nice chunk of change for the holidays – even if you start NOW (in November!)

That’s what money dude Dave Ramsey says in a newsletter article entitled, “Temporary Budget Cuts That Can Net You $700 for Christmas.” He looks at the money we spend on entertainment, dining out, groceries, etc., and looks for ways to temporarily (or maybe not-so-temporarily) trim the excess to put toward the holidays.

Here are the highlights, and what you might save:

  1. Restaurants: we typically spend $230 per month per family
  2. Groceries: make the right cuts, and you could save $25-35 per week. How? Read the piece!
  3. Entertainment: Skipping one family trip to the movies could save you $50 (But, I’m sorry, you have to see Star Wars!)
  4. Clothes: Make those winter clothes last one more season, and maybe catch the clearance sales in January.
  5. Fun Money: This is a big Dave Ramsey thing. When you budget fun money, it keeps it separate from “expenses money.” So, have less fun, I guess.

The Total:

I’m no math genius, and your mileage may vary, but Dave says you can save up to $700 from now until Christmas. And, you might just learn some new, responsible spending habits along the way. Sounds like a Happy Holiday to me! What do YOU think? Could you make the cuts? Would it work for you? Let us know over at the MindField Online Facebook page!

Black Friday Preview

kohls.com
kohls.com

Recently, Walmart announced changes to the way they will be doing Black Friday in an effort to “keep things simple.’ One big change: no more doorbusters. Apparently, they lead to confusion. And, let’s be honest – they can sometimes lead to confrontation (not that this is Walmart’s fault, nor is the chaos limited to Walmart). Instead, they “will offer deep discounts on gift items like TVs, DVDs and pajamas starting at 6 p.m. on Thanksgiving at its stores until they are gone.” Frankly, if a redesign leads to fewer fistfights, I’m for it. Proactive!

So, it’s two weeks until Black Friday. What can we expect? Well, several stores have already released, or previewed or teased, their Black Friday mailers. Other stores’ mailers have been “discovered” by something called BlackFriday.com.

Here are some links to some of the more popular national stores Black Friday Ads, or top secret intel…

Lots more at BlackFriday.com, so check it out. So, how about you? Looking forward to Black Friday, or have you changed your habits over the years? Let us know over at the MindField Online Facebook page, and have a great weekend!

Veterans Day Freebies 2015

VA 15poster_lowresFirst off, a big thanks to our veterans, active military and their families! Now, go out and enjoy your freebies, such as a free haircut at Great Clips, a free Bloomin’ Onion from Outback, or a car wash at Sheetz! The list of participating retailers is long, and these are just the big national chains. There are likely many smaller retailers in your locale showing their appreciation. And you will probably want to call ahead to make sure.

Here’s a link roundup of the bigger deals, along with some links for further information. Enjoy… and be sure to thank a veteran today!

2015 Free Veterans Day Freebies!

  • Applebee’s: Free meal
  • Bob Evans: Free all you can eat hotcakes.
  • Carraba’s: Free appetizer all week
  • Chili’s: Free meal
  • City Barbeque: Free sandwich platter
  • Denny’s: Free Grand Slam
  • Fatz Eatz & Drinkz: Free Calabash Chicken
  • Friendly’s: Free breakfast, lunch, or dinner
  • Golden Corral: Free meal
  • IHOP: Free meal
  • Little Caesars® Pizza: Free pizza or $5 Lunch Combo
  • LongHorn Steakhouse: Free onion and drink
  • Max & Erma’s: Free Cheeseburger Combo
  • Olive Garden: Free entrée
  • On The Border: Free “Create Your Own Combo”
  • Outback Steakhouse: Free Bloomin’ Onion and a non-alcoholic beverage.
  • Red Lobster: Free Appetizer or Dessert, Mon-Thurs
  • Red Robin: Free Double and Fries
  • Shoney’s: Free All-American Burger
  • Sizzler Restaurants: Free lunch
  • Smokey Bones: Free meal
  • Starbucks: Free tall brewed coffee
  • Texas Roadhouse: Free lunch event
  • T.G.I. Friday’s: Free lunch
  • Tony Roma’s: Free half rack Baby Back Ribs
  • Uno Chicago Grill: Free individual pizza or entrée with purchase

And here are your links. Enjoy!