It’s a common fact that many people over spend at Christmas time. It seems that there is a lot of let’s keep up with the Jones at the Holiday times.

The shock that comes in January with the credit card bills can be staggering. It seems that companies want to suck you in and just buy buy buy. I mean after all what do they care? They aren’t paying your credit card bill.

Savebuckets.co.uk is a company that helps you save some money on the things that you are wanting to get for Christmas. Their press release (see below) shows that they are aware of this growing debt problem, and want to help you save money this season.

Take a look around Savebuckets.co.uk and see what you think. Just remember make it from the heart and it will be a gift well and truly appreciated.

GHOST OF CHRISTMAS PAST HAUNTS INDEBTED BRITS

- New price saving site launches to save Brits up to 20% this Christmas -

As the nation approaches the final countdown to Christmas, new research rings alarm bells over the financial impact of Christmas in credit crunch Britain. The research from the new money saving website Savebuckets.com reveals that as Brits prepare for Christmas, many are still paying off last year’s festive spending.

With 41 per cent of Britons paying for Christmas on credit last year, almost one in five are still paying for last year’s festivities (17%), fewer than one in three having cleared their Christmas debts when their January credit card bill arrived (29%).

Following a year of consumer confidence in 2006, Christmas spending soared 52 per cent in two years (from an average £548 per adult in 2004* to £837 per adult in 2006), with over one in five Brits spending over £1,000 on Christmas last year (22%). This year, with spending power at its lowest level for 10 years**, consumers are feeling the financial hangover from a more confident Christmas enjoyed on the credit card and loans.

Alarmingly, it is cash strapped youngsters and low income earners who, having spent the most on last Christmas, are most likely to be feeling the repercussions of last year’s spending spree (see figures below).

The research into the financial impacts of last Christmas amongst a GB representative sample of 2,000 British adults was carried out by the new money savings website Savebuckets.com which launches this week to enable Brits to get more for their money this Christmas.

With these alarming figures in mind, Savebuckets.com will give shoppers the opportunity to save up to 20% on their Christmas shopping. Putting consumers back in control of their spending, the site searches over 700 retailers for the best price on around one million products. The site includes a unique price checker which allows consumers to set the price they want to pay for items, notifying them when the price of a product falls to within their budget.

No I am not talking about Thanksgiving, but that unofficial holiday the day after. You know, Black Friday.

Black-friday.net has some great offers, for those of us who would rater shop virtually than be pushed and shoved around at the brick and mortar store at some early morning shopping adventure.

What I really like about this is that even though the specials for a lot of stores have not been posted yet, like my favorite Old Navy, you can sign up for email alerts. What does this mean? It means that when you sign up for the Old Navy email alert and their specials are posted, you get an email telling you so! How cool is that?  Think about it!

On the other hand Walmart does have some of their specials listed.  They have a laptop for under $400 and a desktop for $200!  That could really come in hand for a child in this house. I have to many kids, too much school work and often times run short of computers for them to do their lessons on! And oldest child needs a new one for college next year. Putting that in the maybe folder!

Enjoy, look around, see what you can find. And be sure to sign up for those alerts. You all know I love shopping online!

As you all know I work several online jobs for other people. One of the jobs I really wanted to apply for, but didn’t, required that I incorporate. Well that went way over my head and I felt really intimidated. It is a great job to work so I hear, but I won’t apply cause I have no earthly idea on how to do this. So when I saw this opportunity I said what the heck, let me see what I can learn about these funky business forms at nevada corporation.

First off they have a lot to offer. This is just a bit of it.

Many small business owners forget that there are certain requirements they have to meet when setting up corporation. One of such requirement is to hold regular meeting of shareholders and directors. All important matters are decided on such meetings and the written document from such meeting is called company minutes. Keeping the records and minutes is very important. For example IRS will require to see them. I can tell, because I just got audited and IRS wanted to see minutes for all director and shareholder meetings from the date I started the company. It doesn’t matter if you are just one person company. You still have to do the meetings.

When you corporation is first set up you should have a meeting of directors and shareholders. You should adopt bylaws. When your LLC is set up you should adopt an Operating agreement. Sounds complicated? Don’t worry, we can help.

They offer you free forms:
http://www.incparadise.com/clients/e-forms.htm

They also prepare the whole set of documents for only $20-$25.
http://www.incparadise.com/minutes.htm

Their company is helping small business owners to start their own companies. They have great prices and excellent services.

You can get their own tax id using our forms or we can get it for them for only $25. http://www.incparadise.com/tax-id-ein/

They have low price for corporate kits:
http://www.incparadise.com/text/corporate-kits.htm

A great FAQ section so you can learn difference between LLC and Corporation, etc.
http://www.incparadise.com/text/faq-corporation-entities.htm

They also have blog where we try to answer many questions: www.incparadise.com/news

I know that is a whole lot of information. I included it all, because it is just that. Lots of us WAHMs get so confused when it comes to what we need to have and what we need to do to get started in business. Well this will really help a lot, for me at least. Let me know if it helps you at all!