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mysweetestcreature · 4 years

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Tomorrow Never Knows (President!Harry) Chapter 12: All I Want for Christmas

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Author’s note: Hiiiiii, so I honestly have no idea what happened to the post scheduled for earlier, but Tumblr has always been a little b*tch so I’m not surprised lmao. This version isn’t as well edited as the one that disappeared, so please excuse any slips (it’s late and I’m kind of drunk so teehee). ANYWAY! Happy Holidays, everyone! Thank you so much for everything you do for me. From the bottom of my heart, I love you all :’)

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Masterlist

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Saturday December 13, 2008

With the holiday season comes all things festive; from brilliant and twinkling lights wrapped around post lamps, to an army of nutcracker statuettes that line town square, and finally that wishful little mistletoe hung above a few select archways and unsuspecting doorframes. There’s a different attitude that floats in the air during this time of year, an unexplainable elation swirled in with a dash of mild intensity.

You’ll never see more people in one place than at the mall, when everyone is on a mission to find that perfect gift, maybe even the perfect outfit for the office Christmas party with the cheap wine, or something of a school dance that may or may not be the social event of the year (unless you’re a senior, then prom is most definitely the only thing to look forward to).

“Why can’t I see it?” Harry pouts, peeking into the gaps of the brown Bloomingdale’s paper bag.

She rolls her eyes; this is probably the eighth time in twenty minutes he’s asked her. For some reason he’d been under the impression that he’d get to see her try it on. Much to his dismay (but to her amusement), however, it had been a quick and easy pick up from the alterations department on the third floor. “Because I’m your girlfriend, and I said you can’t.”

Harry frowns slightly, eyebrows furrowing. “I don’t really see a correlation between those two statements, although. . .” He backs her against a wall, hands finding their place on the curves of her hips. A cheeky grin replaces his former expression, dimples making their indents on either side of his mouth. “I do like it when you call yourself my girlfriend.”

Humming, she tilts her head to the side and wraps her arms around his middle. He swallows when she grazes the tip of her nose to his, his mouth parting in anticipation. They’re close enough that he can easily smell her strawberry lip balm. “Yeah?” she speaks meekly. The radiant look in her eyes makes his heart beat thrice its usual rhythm. He nods in response, just about ready to lean down.

Of course, timing has never been their strongest point, and Harry’s phone rings annoyingly from the pocket of his North Face. He sighs, dropping his head down, eyes squeezing shut when he sees the name lit up on the screen. “Are you gonna answer that, or should I?” Y/n giggles, snatching his cell from between his fingers. He shakes his head and pleads her not to pick it up, but she flips the cover open and brings it right to her ear. “Hi, Anne!”

There’s a string of mumbles from under his breath. He had assumed that they’d be free from interruptions once they’d finally gotten together, but time and time again (an average of three times a week, he’s noticed) there’s always someone out to mess with him. The other day, Mason had squirmed his way between them while they were cuddled up under her favorite fluffy blanket, and Harry had only taken notice when he turned to peck her on the cheek only to end up with half his face covered in peanut butter frosting (his girlfriend––and he really can’t stress enough how happy the title makes him––thought it was absolutely hilarious).

“Yeah, we’re just about finished. . .” She playfully pushes his face to the side when he gives her another pout. “Okie dokie, we’ll be out in a sec. . .see you in a bit!” The call ends with the clap of the main screen against the keypad. She gives him a toothy grin and rises to the tips of her toes to press a gentle kiss to the side of his mouth. “Let’s go?”

***

She’s on her bed when Cici barges into her room, a tote full of clothes hanging off her shoulder that she then drops by the closet door. “Where’s your knight with shining curls?” her best friend snorts as she plops herself down on her bed. She’d texted earlier saying that she would be hiding at the Y/l/n residence to escape the arrogance of her visiting aunt’s family.

Y/n looks up from flipping through her latest issue of Teen Vogue. “I think he should be here quarter of.” He’d left over two hours ago to help his mom and sister decorate their Christmas tree.

“I see you got your dress,” Cici notices, reaching for the bag by her nightstand. She pulls the stapled edges apart with an approving look from Y/n, then pulls out the garment until the bag falls back to the floor. “Oh damn!” she whistles, kneeing the mattress as she holds it up. “Has Harry seen this yet?”

“I’ve literally done everything in my power to avoid that,” she mutters, falling back against her pile of pillows. The implications of not going to the dance with her boyfriend hadn’t registered with her until yesterday when Zoey had showed him the exact corsage that she wanted him to get her. Now she feels almost sick thinking about Zoey’s perfectly manicured and deadly nails racking around her boyfriend’s body while she forces him to dance. And maybe that’s why she doesn’t want Harry to see her dress just yet, she wants to surprise him the day of because the petty part of her wants to send Zoey a clear message.

Cici snorts loudly, laying down next to her, and both girls just stare up at the ceiling. “If you want my honest opinion, I think you should just go together. So, what if a few people get butt hurt? Do you really want to see that bitch try to make moves on him?”

“Obviously not, but. . .” she lets out a long sigh. “Jasper.” She keeps having to remind herself that she’s Jasper’s date, and it just wouldn’t be fair to him if she were to be an absent companion. “He keeps saying how excited he is for this, and I don’t know Ci. I don’t have the heart to tell him that I don’t want to go formal with him, let alone that the reason being that I want to go with my boyfriend of what? Two weeks now?” She’s given this whole lot of thought, really, she has! Sure, the easiest solution would be to call off her date with Jasper, but she doesn’t want him to think that he was only a stand in for Harry until they finally admitted their feelings. No one should be subjected to that kind of impairing thought.

“You’re being way being too nice––maybe the pope will canonize you one day. ‘Saint Y/n’ patron saint of the criminally kind.”

She pulls a pillow from behind and whacks the side of her friend’s head, who then whacks her back with just as much force. “Stop being so dramatic, this isn’t Gossip Girl.”

“And it’s a travesty,” Cici tuts, but her eyes start to twinkle as she loses herself in thought. “If it were, I’d be Mrs. Nathaniel Fitzwilliam Archibald by now. Don’t you think Chace Crawford and I would make the most beautiful babies?”

“They’ll have the best eyebrows, that’s for sure.”

“Right!?”

***

Friday December 19, 2008

The last day before the winter formal––and furthermore the last day until winter break–– and it’s all the students of Ashwood can talk about. At every turn, all that can be heard is who’s attending with who or what designer their dress is from. Almost all of their classes have resorted to study halls since apparently no one can stay focused for more than five minutes at a time, which really is stupid since midterms are scheduled only two weeks after they come back.

On the plus side, since they’re screening Home Alone 2 in Spanish, it at least distracts the rest of the class while she and Harry giggle to themselves in the back-left corner of the room. During the beginning of their relationship, they had at least tried to remain discreet so as to avoid all the theories of conspiracy from the school’s notorious gossips over at the Ashwood Almanac. As the final days of the year dwindle down, however, all precautions to keep everything on the down-low have disintegrated, and they’ve probably shared a few not-so-private (though none have ever been in front of a grand audience. . .about five people, max) smooches when they part ways after a long history lesson with Mr. Noone.

“As in right in the nuts?” he laughs through the question, his arm wrapped around the back of her chair as his fingers tread through loose locks. She’s telling him all about how Mason had thrown a snowball, which had actually ended up having a moderately sized rock lodged in there somehow, directly between Jeremy’s legs. And yeah, he does feel bucket loads of sympathy because he can’t even count how many times he’s had a football to the groin in his years of being an athlete, but he’s more so charmed by how animated she is when she talks about her family.

“I don’t know how he did it, but then Dad went completely cross-eyed when it hit him. Like this.” For a split second, she’s able to mimic his reaction and it has him trying to contain his amusement with her shoulder before Señora Gustavo can scold them for being too disruptive.

After a few moments settled within a comfortable silence, enough time for them to let Jeremy’s many woes fade from consciousness, their eyes meet again, and he just smiles at her. It’s one of those sappy lovesick smiles that would have surely made her knees buckle had she not already been sitting down.

“So, Mum’s Christmas Eve party, you’re all going, right?” he asks, his thumb grazing the side of her arm. For as long as he can remember, Anne’s been hosting this party every year without fail. He supposes it started when she and his dad were still together––maybe even before then––since he’s seen pictures from the early nineties before even Gemma was born. Even when they’d moved to the States, his mum has always been the sociable sort, so during that first year away from Holmes Chapel had been filled with the company of their neighbors and over a dozen of her colleagues. This time around, Harry’s excitement is beyond a scale’s capacity because his granddad is flying in to celebrate with them. After all their long phone calls, he’ll finally be able to introduce him to the girl he’s been gushing over for months.

Y/n nods eagerly. “And I already know what I’m making,” she says. There were a few options that she toyed with before falling asleep until ultimately deciding on one special dessert that she sure hopes will be a crowd pleaser come the 24th. It’s something that in theory she knows how to make, but it’ll require a few test runs and backups since she’s aiming for nothing less than perfection. “Your mom mentioned it during Thanksgiving, so I really hope she’ll like it!”

“Don’t want you going through too much trouble. Mum will like anything you make. Went on and on about those pumpkin spice cookies you brought around the house Sunday.”

“I know, but. . .” Her lips curl inward and trap themselves between her teeth. She looks down into her lap, fingers messing with a stray thread where her skit had been hemmed. “I just. . .I don’t know. Do you think she’s mad––okay, not mad, but you know. . .annoyed––at me for the whole Jasper-Zoey thing? You keep saying it isn’t, but it’s a hundred percent my fault that we’re not going together.”

“Baby, no. Don’t say that,” Harry frowns, and he doesn’t realize the new endearment to have tumbled off the tip of his tongue. “This whole dance thing doesn’t mean anything anyway, and it definitely doesn’t change this.” He gestures between the two of them, a lopsided smile spread from cheek to cheek.

Her eyes narrow as she crosses her arms. “You’re being all cheesy because you want me to kiss you again.”

A loud scoff erupts from the back of his throat, and Señora Gustavo glares up from her laptop to give him another warning. There’s a moment when his face impersonates annoyance (but his arm still remains around her frame), and he begrudgingly turns his attention to Kevin McCallister wreaking havoc on his two unmatched foes. She does the same, but from the corner of her eye she sees the way his mouth plays with his words. In her head, she counts backwards from five, holding in a smirk as the numbers dwindle down. Harry pouts to himself, before he turns back to her.

“Are my chances high, at least?”

***

Saturday December 20, 2008

“Sweetheart, you look so beautiful!” Liv gushes as she brushes Y/n’s hair back, standing behind her in front of the vanity’s mirror. Y/n looks at herself carefully, her lips pulled up but pressed firmly together. The day has finally arrived, and she doesn’t think she can feel any more anxious than she does right now. Half her hair is pulled back while the rest is curled into the soft waves that fall just beneath her shoulders. Her dress is hung to the side, the sequins almost blinding as they reflect in the bathroom light.

They’d spent the last two hours doing her hair and makeup, which Liv had insisted she do herself since aside from dentistry and orthodontics, is probably her second passion in life. There’s a story she always likes to tell, about how she’d worked for a beauty salon during college for some extra cash but had ended up staying all four years because she found the whole transformation process to be exciting for both herself and her clients.

“I remember my first high school dance,” her mom continues, and she takes the dress off the hanger and signals for Y/n to stand up. “Now, my dress wasn’t nearly as form-fitting as yours. I mean, what do you expect from the 80s?” She chuckles lightly, shaking her head as she remembers exactly what she wore in her freshman year. Y/n braces herself against the wall as she steps into the pooled dress. “Philip Russo had asked me, and boy oh boy, was he something.”

Y/n snorts as she holds the lace fabric to her chest. “Does Dad know you still think about your high school boyfriend?”

Liv rolls her eyes, zipping the back up with one firm pull. “Oh of course, I talk about him every night before bed. You know what, honey? If I hadn’t met you, I would probably be living in Austin with Philip Russo and our seven kids. It makes for great pillow talk.”

“Did someone call me?” Jeremy’s voice calls from the master bedroom. Followed by his much shorter shadow, he saunters into the bathroom.

Mason scampers past his dad and wraps his arms around his sister’s legs. “You look like a princess!” he giggles, picking at one of the beads.

“You really think so, Mase?” she smiles, cupping his cheeks in her hand so he can look up at her.

The little boy nods furiously. “Yeah! And that means Harry’s your prince, right? Because the prince and princess always kiss each other, right? You and Harry kissed yesterday! I saw it!” He even looks to Liv for support. “Right, Mommy?”

Y/n digs her nails into her palms. The three of them had agreed to keep Mason upstairs when Jasper picks her up just to avoid all awkwardness if her brother wonders where Harry might be. That’s not to say that her parents are completely on board with the idea of this bizarre arrangement. Jeremy had been quite vocally against it because he much rather send his daughter off with a boy he’s come to know and like, rather than. . .well, he’s never met this other boy, so that’s already a red flag in his book.

“Now what I want to know is why you were snooping on your sister and Harry, huh?” she counters, hands on her hips and toe tapping with parental flare.

“Because Daddy said I have to keep an eye on them when he’s not home.”

Jeremy’s jaw just drops. “You little traitor,” he grumbles, glaring down at his son. “I told you not to tell the girls about our little secret.”

“Secret secrets are no fun unless you share with everyone!”

“Enough out of you.” Jeremy lifts the boy up and places him over his shoulder. It’s now that he’s able to get a good look at his daughter, his not so little girl. Y/n notices a glisten in his eyes the longer he studies her.

“Dad,” she whines, “remember you said you wouldn’t be dramatic?”

“I know, I know, but. . .” He twirls her around, a couple times before taking in her full image once more. “First, it's just a school dance, then it’s your wedding day. Jesus Christ, I’m getting old.”

***

The theme of this year’s winter formal is Winter Wonderland, and despite its cliché nature, student council and the decorations committee had managed to transform the events hall into somewhat of a festive paradise. There’s fake snow falling gracefully in the backdrop at the photographer’s station, where some of the more smitten couples strike their cutest poses as their arms wrap around the other’s figures. Dressed to the nines in their best attire, a few students are already swaying to the DJ’s soundtrack, while others mingle in groups by the punch bowl.

Harry is somewhat part of the latter category, his one hand occupied with his untouched beverage, the other buried deep in his pocket as he stands stiffly at Zoey’s side. She’s bragging about the price tag on her dress, gushing over how her daddy bought it right from the designer himself. “And he totally gave me his number and said I could stop by the New York office any time.”

“Bunch of bollocks,” Harry snorts into his cup, the fruity red liquid just barely grazing his top lip.

Zoey turns around, a sickeningly sweet and glossy smile greeting him. “What was that?” she asks, far too perky in her mannerisms, in his opinion.

“Nothing.” He takes a long sip for no other reason than to keep himself distracted. It works for a few more minutes, with him only participating in their conversation when he’s directly addressed, or if Zoey wants another damn refill of water.

Now, he isn’t quite sure what had possessed him to ask Zoey, of all the girls he could have chosen, to the dance. It was right after Y/n had told him she’d be going with Jasper, and he’d gone outside to clear his head. Who was the first (okay, second, but Señora Gustavo does not count) person he’d run into? The decision had been made in a split second, and for fuck’s sake his biggest regret is not taking a few more to think about it.

“Harry!” He turns on his heel at the call of his name, the first genuine smile of the night cheering up his downcast features when he sees Cici and Maxxie arrive through the doors. Excusing himself, he all but runs to them, enveloping both in a hug that’s filled with every bit of relief.

“Oh, thank god,” he sighs. “She’s driving me up the walls.”

Cici looks over his shoulder, brow raised as she glares at the redhead. “Are those next season’s Christian Louboutin’s? Unbelievable!”

“Jealousy is not a good look on you,” Maxxie teases, poking her side. “I’m not jealous. Just annoyed that the nasty ones always get first serve. And it’s honestly super annoying that she looks kind of good.”

“She’s beautiful. . .” Harry says suddenly, and both Maxxie and Cici gasp at his confession. The latter smacks his chest, and steam practically flares from her nostrils because she’s always had that protective instinct. Maxxie is more sensible, however, and he follows the line of Harry’s gaze right the source. It’s then he takes it upon himself to turn their friend around.

“What are you–”

It’s a scene right out of a movie as Y/n steps through the door, gently shielding her eyes as one of the moving spotlights casts down on her. Her dress reflects a light just as strong, and it manages to catch the attention of a majority of those around. She searches for something, fingers fiddling at her front as she looks unsurely through the room. It’s when she sees the three of them that she smiles widely.

“Guys!” she waves to them, lifting the skirt of her dress as she jogs over. “Oh my gosh, Ci! You look amazing!” she squeals, hugging her friend.

“I know.” Cici has never been one to maintain modesty, but it’s one of the reasons why Y/n loves her. “But look at you! Oh my god, you look like Hilary Duff.”

“That seems to be the consensus apparently,” she blushes. She gives Maxxie a kiss on the cheek, giggling when he whispers something in her ear. It earns him a pinch to his side, and he playfully huffs as he directs himself and Cici to one of the empty tables.

It just leaves her and Harry.

He has to resist the urge to reach out.

“You look. . .wow,” he’s at a loss for words.

Her eyes fall to their feet. “Still trying to get that kiss, I see.” And maybe she wishes she didn’t have to pretend like she doesn’t want to. It happens so quickly that she would’ve missed it she wasn’t paying any attention. His lips press against hers in a kiss. . .or maybe more appropriately a peck. But as her eyes flutter open, she’s met with a cheeky smile to top off an expression that constantly reminds her how in love she is with the boy in front of her.

***

She thought that maybe it wouldn’t be so hard to see Zoey hang off her boyfriend like some pathetic sloth until right at this very moment. And she knows she shouldn’t let it all get to her because Harry had assured her over a dozen times over the phone that she’d be the only person he’ll be paying any attention to, but she really can’t help but feel mildly insecure. She hasn’t even had the chance to tell him how handsome he looks because Zoey had abruptly whisked him away as soon as Mariah Carey had started playing through the speakers. Take that, and the fact that Jasper had finally found his way to her after he’d talked to a few friends by the entrance.

The car ride here had been a bit awkward, if she’s being honest. Jeremy hadn’t been so successful in keeping Mason upstairs, and the little boy had even been the one to open the door because he had been anticipating a completely different face. “You’re not–” Luckily, Liv had been there to cover his mouth before he could say anything more. “Kids! Am I right?” And after a few quick snaps from her mom’s camera, they were off in his dad’s SUV, both sat in the back seat with the middle completely empty. There was some small talk, mostly questions of ‘are you excited’ or ‘hopefully the food is good’ and whatnot. She had tried her best, she really had, to keep things light and non bothersome, but she can sense that he knows something’s up.

“Hey,” she touches Jasper’s arm. “I’m just gonna go to the ladies’ room.”

***

When she walks out of the bathroom, she feels herself being whisked to the side. Before she can let out a yelp, she catches a whiff of his familiar scent, and it’s enough to soothe her panic.

“Are you crazy?” she giggles, looking down at the other end of the hall. “We’re supposed to be in there.”

Harry shrugs nonchalantly before leaning his forehead against hers. “Just a little.”

“Thank god we got that settled then.” She lets her hands fall into his hair, loving the way his soft brown curls feel in the slope between her fingers. For the first time tonight, she feels completely at ease as their bodies sway gently to the echo of a song. “Hi,” she whispers.

It’s then he gives her a proper embrace, holding her as close to him as he can, letting everything around them fade into the back of his mind.

“Hi.” He buries his nose into her hair. “I’m sorry this is how we have to share our first dance.”

He then pulls away just enough to look into her eyes, his heart swelling when she cups his face and presses a long kiss to his lips. The hold he has around her waist tightens as he deepens it further.

“It’s okay,” she answers when she breaks free in need of air. She giggles as she swipes his mouth of any traces of her lip gloss. “I’m actually surprised you were able to get away from your date.”

Rolling his eyes, Harry lets out a humorless snort that she happens to find greatly entertaining. “It wasn’t easy, let me tell you. I had to make up some excuse about how my stomach was feeling all out of sorts when I saw you walk out. Figured it was the perfect opportunity to get my girl alone. Plus. . .” He directs her gaze above, and she can’t help but laugh when she sees a mistletoe hung above them. Without missing a beat, his lips find their way back to hers.

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Come talk to me about our babies!

#president!harry #harry styles imagine #harry styles fanfic #harry styles fanfiction #harry styles fluff #harry styles drabbles #harry styles

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crxpeek · 5 years

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must. work. on jazzercise. golden. age. video.

#this comes after a like 2 week string of likes on the falling mall edit on insta #BECAUSE NOW WE'VE MADE IT UP TO HALF #...of the band liking it #so yeah #jim.txt

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themoneybuff-blog · 5 years

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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First

Sometimes even the best-prepared households get knocked sideways, financially speaking. Illness, unemployment, divorce, a car accident that triggers a lawsuit these and other situations can quickly put a hurt on the budget. In such times a personal loan or one of several types of home equity loans can provide a little breathing room until you rebuild your finances. As noted, money woes are sometimes the result of plain old bad luck (illness, job loss). However, sometimes were our own worst enemies: We buy too much, we save too little, we plan not at all. You cant get ahead that way. And you cant keep borrowing your way out of trouble. A loan wont help you unless you fix the following issues. 1. Not having a budget The simplest way to wind up in debt is to spend without thinking. Stop, then, and think for a moment about what you would like to have happen five years from now: buying a home, starting a business, getting married, traveling? When you create a budget, youre not just allocating your dollars youre enabling your dreams. An easy way to do it is the 50/30/20 budget: Spend no more than 50% of your take-home pay on essentials, 30% on wants, and 20% on saving (including retirement planning and an emergency fund). Plenty of budgeting apps exist as well (some are even free). 2. Not tracking spending You cant plug budget leaks unless you know where they are. Track your spending for a month, using pen and paper or a budgeting app. The cumulative effect could be eye-opening. For example, a relatives ex-husband was shocked shocked! to realize that spending $8 a day on fast food added up to $240 a month. His wife had made more money than he did, and their commingled finances made it easy for him to swipe a card and think no more of it. Heres hoping that your own habits arent quite that clueless. But even those of us who think were doing pretty well could be surprised by the cumulative impact of certain habits: beef jerky and a soda every time we pay for gasoline, daily iTunes downloads, $20 a week on scratch tickets. Add up the opportunity cost of those non-essentials, and ask yourself if you could do better. (Spoiler alert: You probably can.) 3. Keeping up with the Joneses Just because next-door neighbor bought the priciest riding mower on the market doesnt mean you have to ditch your trusty Snapper. When your coworker talks about all the activities her kid participates in, you dont have to sign your own tots up for horseback riding and soccer camp. You should not let other people determine your clothing, dcor, automobile, or anything else. Its no ones business that you bought a fixer-upper, that you drive your car until the wheels fall off, that your idea of nightlife is to read a new library book once the kids are in bed. Remember: The Joneses may be up to their hairlines in debt. They might be focused on keeping up, too with the minimum payments, that is. 4. Wanting your kids to have things you didnt Theres nothing wrong with this! Except when there is. Obviously you want your children to be well-fed, reasonably well-dressed, and housed comfortably. You might also want to give them treats and opportunities you never had, such as vacation trips, a big allowance, loads of extracurricular activities, and fully funded education plans. But dont let this noble impulse bust your budget. Just because your kid wants snowboarding lessons, a new smartphone every year, and a car of their own at age 16 doesnt mean you have to give these things. Staying out of debt and funding your retirement should take precedence over granting every whim. At the very least they should have some skin in the game: doing additional chores to help save up for a big-ticket item, say, or mowing lawns or babysitting for extra pocket money. Besides, we arent doing our kids any favors when we give them everything they want. Setting the bar too high now could mean setting them up for problems later on. Specifically, when they move out on their own theyll want to keep living in the style to which we have accustomed them and if their salaries dont allow for that, theyll wind up in debt. 5. Automatic upgrades Whats wrong with your old smartphone or car or whatever? If you bought it relatively recently and it still works, whats with the rush to replace? If you get the newest phone as soon as it comes out, or trade in your vehicle every few years, or replace anything else before it really needs replacing, ask yourself why. Because your co-workers do? Because some commercial made you want a new car? Because you dont know why, but you really, really want to anyway? Think about the opportunity cost of that cash. Then think about the way you want to live, and whether or not you want other people making decisions about your money. 6. Shopping mindlessly If you dont need anything, stay out of the mall. Going shopping with friends puts you in a position to find something you suddenly cant live without, or something that looks so cute on you or would be so cool in your house or so useful in the garage. Except that you were doing just fine without that item until you saw it. Ditto online shopping: Dont cruise your favorite retailers websites unless you have a specific reason to do so. Better yet, undo the one-click function and remove stored credit card info from all sites where youve shopped in the past. Bonus frugal points if you change your online passwords to something that has personal significance, such as WeDDingDAy8192020, or 19YEarsLEftonMORTgage, or EARLYretire2028 these little reminders of where your dollars could be going instead might help you from overbuying. 7. Always buying retail Why automatically pay full price? Instead of heading straight to the shopping center when you need (or want) something, consider these options instead: Thrift shops: Some are junky, but others are great. Its like a treasure hunt. (Pro tip: Find out if there are senior discounts or other special deals. For example, a secondhand store my daughter likes offers 50 percent off every Monday.)Consignment stores: Like thrift shops, except theyre more discriminating about whats accepted.Flash sales: While online shopping should be approached with caution, sometimes a sale really is too good to pass up. Hold yourself to limits, though: Just because those slacks are a great deal doesnt mean you need to buy a pair in every color.OfferUp, LetGo, Craigslist: Sometimes people want (or need) to get rid of furniture, tools, bikes or automobiles without the hassle of a yard sale. Caution is required, but you can get some darned good deals this way.Newspaper classified ads: Yes, really. A guy I know recently bought a pickup truck (necessary for his job) from a newspaper ad, spending many thousands less than he would have paid at a dealership.Freecyle: You might be surprised at whats being given away, no strings attached. Ive seen beautiful furniture, clothing, bicycles, toys, books, and other useful stuff offered up.Yard sales: Another treasure hunt. Ive seen items still in the shrink-wrap at these sales. Its a great place to buy baby stuff, including newborn-sized clothing that seems never to have been worn.Buy Nothing Facebook groups: Last month my partner and I just picked up an almost-new Weber grill. Some of the other things Ive seen lately: baby stuff, solid wood table, sewing machine, board games, computer desk, cookware, and tons of childrens clothes. All of it is free.8. Overdoing it on special occasions Are holidays and birthdays completely over the top? Maybe its time to tone it down. When they become extravaganzas of gift-giving, we cheapen the meaning and also set the bar higher and higher. A kid who gets tons of presents is unlikely to appreciate each one fully and more to the point, he develops a sense of entitlement. As for birthday parties, when did they start resembling mini-coronations? Even one-year-olds are having party rooms reserved, decorations put up, and gift registries established. Really? Think of all the money thats spent and quickly forgotten. Now think what those dollars could have done for a childs education fund or your own retirement. Celebrate joyously, but celebrate sensibly. 9. Overbuying for grandchildren While waiting in line at a crafts store, I met a woman who developed the bad habit of having small gifts waiting for her granddaughters whenever they visited and they visited a lot. The woman was fretting visibly as she looked over the items in the stores dollar section. What do you buy for someone who already has everything? she asked me. After hearing her story, I felt very sad not just for her but also for the kids. A visit to grandmas house had become an exercise in acquisition. The first thing they do upon crossing the threshold is to ask what theyre getting. (Does anyone else find that quite sad?) Expectations are made, not born. If youve gotten into the habit of treats and more treats, scale back. Replace them with activities and gifts of time. The kids who are used to getting stuff will gradually become used to not getting stuff and when occasionally you do treat them, it will mean a lot more. Again, the money you save could go toward their education funds or toward shoring up your own budget. You cant finance retirement. 10. Giving more than you can afford Charity is a noble impulse. But giving to the American Red Cross or the Society for the Prevention of Cruelty to Animals should be done after youve taken care of business. Specifically, after youve built an emergency fund, started saving for retirement, and taken care of any consumer debt. Put on your own oxygen mask first, financially speaking. Award-winning journalist and veteran personal finance writerDonna Freedmanis the author of Your Playbook for Tough Times: Living Large on Small Change, for the Short Term or the Long Haul and Your Playbook for Tough Times, Vol. 2: Needs AND Wants Edition. Read more: https://www.thesimpledollar.com/loans/blog/a-loan-wont-solve-your-money-woes-if-you-dont-fix-these-10-financial-issues-first/

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themoneybuff-blog · 5 years

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A Loan Won't Solve Your Money Woes If You Don't Fix These 10 Issues First

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