Monthly Archives: September 2018

About Shopping and Reward Point Credit Cards

There are many different credit cards available all with different terms and conditions. In addition there are a number of reward point cards that offer you the opportunity to build up points to redeem at various shops. These are sometimes referred to as shopping cards.

How does a reward point card work?

A reward point card works in exactly the same way as any normal credit card. You use it in exactly the same way. Each month you will receive your bill and will have to pay at least the minimum amount off the outstanding balance.

The main difference is every time you use a reward point card you will get points or cash back which can be used to obtain vouchers or be redeemed at certain shops.

Do all credit cards offer points or cash back?

The simple answer is no, although in some cases your existing card may allow you to register for the scheme operated by the issuer.

Can I use a reward point credit card and my existing shop’s own loyalty card?

Yes. The transaction when using a reward card is handled in exactly the same way as any other transaction.

With reward cards issued by the banks operated by major supermarkets, you may get a higher number of points for using the card in that particular supermarket than you would using it in any other shop.

Are there restrictions on where I can collect points?

It depends on the card. With some, you will only get points in certain places. A promotional sticker near the entrance or till should show that the shop is participating in that particular scheme.

Will I get points if I withdraw cash using my card?

No, points are not given when drawing cash, as this is a pure banking transaction. You should also remember that drawing cash will attract interest immediately even if you pay your bill in full each month.

Are there restrictions on how I spend my accumulated points?

Yes. Depending on the issuer, often points can only be spent in certain shops or on certain services. With some reward points you may be able to reduce the bill at the checkout at certain shops.

How much does it cost to take out a reward point credit card?

Usually the cost is exactly the same as a normal card from the issuer.

Do all banks offer reward point credit cards?

No. There are some banks that offer a number of different credit cards and only some of these are reward point based.

Bringing Consciousness to Our Habits, Compulsions and Addictions

When you’re uncomfortable, go unconscious or become obsessed with a desire – do you go shopping? Do you notice a simple purchase feels more like an adrenaline rush then a business transaction? Do you frequently spend more than you can afford or run up credit cards? Do you hide purchases or have some tucked away unused with tags still on? You may have a shopping addiction.

You want to be mindful when your shopping habits begin to move from simple impulsive purchases to a compulsion to shop on line, watch the home shopping network, or perusing around the malls every spare minute or late at night.

There’s a fine line between “shop till you drop” and a full-blown addiction. Some of the signposts are when your shopping becomes a financial drain, begins to erode or destroy relationships, you are shopping instead of your responsibilities, and/or your career is affected.

The rush is not from owning something but the act of purchasing it. Pay attention to the difference in how you feel in the actual shopping phase and then compare how you are feeling when checking out and then again how you feel afterword.

Often people who have shopping addictions feel bad. As if they had been on a binge.

There are distinct triggers that identify compulsive shopping as an addiction. It often has to do with fulfilling some emotional void such as loneliness, lack of self-confidence or feeling a lack of control.

Want to learn who you are without numbing and distracting yourself by satisfying your impulse to shop?

For one week (or one month) completely abstain from shopping.

Use your energy to remove temptation. Don’t look at any catalogs, block shopping websites, take credit cards out of your wallet, and unsubscribe to retailer’s emails, anything you can think of.

Use consciousness and observe all the ways you are subliminally tempted and the feelings that come up.

Find healthy substitutes that can fulfill your soul. Exercise, spend time in nature, be with friends or family, and meditate.

Once we begin to satisfy our deeper needs and feel a sense of connectedness to our self and in the world, the pain we feel inside subsides and our compulsion to distract our self loses its stranglehold.

We are free to be.

Caution: often addictive energy is just transferred somewhere else. Be mindful of other compulsions that may pop up as you curb your shopping addiction.

Christmas is Not About Shopping

Christmas is the most wonderful time of the year! There are so many wonderful things to do this time of year. I love the fact that I can find the best deals on electronics at Christmas. I love reading about the Top 10 Christmas Gifts. I love reading about custom Christmas decorations. Everything about Christmas is great, and I always look forward to the Black Friday deals every year.

I often wonder how many people understand the real meaning of Christmas. I think some people just think Christmas is about looking at Christmas house lights or looking for the latest LED Christmas decorations. I know that battery operated Christmas lighting is popular this year, but I have better things to do with my time than to look at Vintage Christmas lights all December.

Christmas is about the birth of Jesus. That is what the holidays are really about. They are about sharing your love with people who are less fortunate. It is about singing Christmas carols at the local nursing home or spending time with your family. It is about getting in touch with our creator and sharing our faith with others.

Christmas is not about Cyber Monday specials or the latest gadgets on everyone’s mind. It sure isn’t about standing outside Wal-Mart at 2 am in the morning so you can get the best deal on the latest television. I have always felt that people that do that every year are really only about themselves during Christmas. I have found better deals on most products online anyways, so I don’t need to spend a lot of time standing in line at 3 am just I can be in a store with 500 other people trying to get the same thing. Christmas is about the birth of Jesus, spending time with your loved ones, and giving to others.