Buy yourself a merry little Christmas?

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thFewer of us plan to “self-gift” this holiday season, according to the National Retail Federation. Of the 6,415 U.S. consumers surveyed by the NRF, only 57% will buy themselves somethin’ pretty, compared to 59% in 2012.

Still, that’s quite a few folks assured of getting at least one gift they really, really like.

Nothing wrong with wanting to treat yourself, especially given some of the prices on Gray Thursday, Black Friday, Cyber Monday and every other sale from now until Dec. 24. Not that every “sale” price is a good one; in fact, some aren’t really good deals at all.

But if you’ve been tracking prices, especially for bigger-ticket items like technology and appliances, then I can think of only one reason not to self-gift.

 

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The gift of personal finance.

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thGot a relative or friend who’s financially at sea? Or someone who’s just starting out and who could easily develop bad money habits?

Maybe that’s a middle-aged recent divorcee, a single-mom friend who’s got more month than money, or a slacker cousin who at 35 hasn’t done a thing about retirement.

Or perhaps you know young professionals who are racking up consumer debt, or parents-to-be wondering if one of them can stay home and not torpedo their financial and professional goals.

You might be able to help: This holiday season, give the gift of personal finance.

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Giveaway: The TSA-friendly travel kit.

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thInterest in these things never wanes. I expect that’s because it’s just galling to pay more for a teeny-tiny toothpaste than you would for a 6-ouncer on sale with a coupon.

But if you’re planning a trip back to family of origin or to someplace warm and sunny and exotic for the holidays, you’ll need the items contained therein.

Among them:

Hair stuff: Bath & Body Works Aromatherapy volumizing shampoo and conditioner. The aroma in question is “orange ginger,” and it does smell lovely.

Mouth stuff: Crest Pro-Health shampoo and multi-protection rinse (once known as “mouthwash”). Also a wee little container of Glide floss — if you meet the guy/gal of your dreams on that Caribbean cruise, having spinach in your teeth won’t make a good first impression.

Skin stuff: Bath & Body Works lotion (also orange-ginger), Banana Boat sunscreen (SPF 30), Blistex Nurture & Nourish lip balm.

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Lighting the tree on Alaska time.

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SnowyChristmas_EN-AU2022031457It was zero degrees when I left the house at 4:30 p.m. yesterday, but I was determined to get my nephews to the city tree-lighting ceremony downtown. Make sure they wear snowpants and wool socks and hats and that they have both mittens in their pockets, I pleaded with their mom.

That’s because at a long-ago tree-lighting I neglected to put on a hat or, apparently, to pull my coat hood up far enough. Or maybe it was just so cold that year (below zero, can’t remember how far) and my coat was so insufficient that my body had to make an executive decision: The torso is essential; the ears we can live without.

The burning throb of frostbitten earlobes kept me tossing and turning all night. Since then I’ve been more careful (usually) about dressing when I know I’ll be standing around in the cold. I also bought a better coat, essentially a small building made of goose down, for really cold trips like the Talkeetna Bachelors Auction and Wilderness Woman Competition.

I needn’t have worried about the boys, though. The first thing they did at Town Square Park was head straight for a snow pile.

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A pair of Swag Code Extravaganzas, starting Friday.

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card129The Swagbucks rewards program plans extra earning opportunities, starting at 5 a.m. PST on Black Friday. On that day you’ll see seven codes for a total of 50 Swagbucks.

I’ll be posting any that I can catch on the Surviving and Thriving Facebook page. (Hint: I won’t be up at 4 a.m. Alaska Time.)

Since I can’t promise to get them all, I suggest you also check the Swagbucks Facebook page from time to time during the day.

The second code party takes place on Cyber Monday. The start time hasn’t yet been announced, but the reward has: codes worth 60 SBs.

Note to those using the Shop & Earn portion of the Swagbucks site: Watch for double and even triple SBs for some retailers. Specifically, triple points happen from 5 to 9 a.m. PST on Black Friday and from 6 to 9 a.m. PST on Cyber Monday.

And if you’re not yet a member? Join in the next few weeks and you might win a bonus of 500 SBs. Here’s how:

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The loneliest drugstore in the world.

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thAnother Thanksgiving and I’ve fulfilled my stated intention: to eat until I can’t walk. Four guests for dinner (including my niece and her boys) and I still had all I wanted of turkey, stuffing, mashed potatoes, gravy, coleslaw, peas, rolls – all of it homemade and all of it irresistible.

Dessert was a tough choice between the pumpkin pie that I made and the pumpkin cheesecake my niece made. Since my doctor told me to reduce stress, I decided to have some of each. After all, they both have beta carotene.

The meal started at 1 p.m. My friend Linda B. left for work at 4:15 p.m., and my niece and the kids were gone an hour later. Now I’m sitting in front of a wonderful fire and unlikely to move far from it, especially since the temperature is dropping: It’s 11 and breezy now, predicted to drop to 2 degrees overnight; tomorrow’s high is predicted to be 8 degrees and the low will be minus 8. At least it isn’t Fairbanks.

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What’s new at MTN, plus a few ways to win.

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thI’ve had three articles appear at Money Talks News since my last roundup, two of them seasonal and one that might as well be seasonal since it involves your pocketbook:

“Tips to score a year’s worth of gifts at rock-bottom prices” suggests that you use loss leaders and doorbusters to build an evergreen gift closet. A little poking around and you’ll have presents for just about every occasion: birthdays, Valentine’s Day, baby showers, Mother’s and Father’s days, weddings, you name it. It’s particularly useful when your kids blindside you on Friday evening: “I’m invited to Tyler’s birthday party tomorrow.”

“Worried about the size of your…discount? Relax: It’s just deal envy” also bounces off Gray Thursday/Black Friday/Cyber Monday. Some people feel depressed when they find out they missed a chance to save money – and I don’t blame them, which is why the article contains ideas on how to keep costs down.

“The 3 golden rules of loaning to friends and family” is just what it sounds like: tips on whether/when to say “yes” and some ideas on how to say “no” if you must.

In other news:

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Good to the last drop: Getting full use of condiments.

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Our fridge door is full of jars and bottles, some of which look odd. For example, the contents of a spicy brown mustard bottle may seem pale and grainy, or there might be a jar of brine without any pickles. A small jar of homemade jam looks all but empty; so does a bottle of ranch dressing.

When these and other condiments run low, we turn them into something else. If a mayonnaise jar has shoulders that keep us from getting all of it – even with a spatula – we take that as a personal challenge. That last little bit of catsup that won’t come out, even if the bottle stands on its head all night? It will be ours.

Sure, it’s just a few cents’ worth of food, if that. But we see no reason to waste it. Besides, it encourages culinary creativity.

If you too are frustrated by the inaccessibility of those last drops, try these tactics.

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Slip-slidin’ away.

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thThe smart money would have been on skipping the movie. Instead, I found myself in the car with DF, creeping toward the Century 16 on roads as glazed as a fresh Krispy Kreme. Freezing rain had been falling for about an hour – maddening, really, since the temperature at our house was 22 degrees. Shouldn’t that have been snow?

Blame the “blast of mid-winter moisture (that) blew north from the tropics,” according to The Anchorage Daily News. My friend Linda B. and I were determined to see “The Hunger Games: Catching Fire” on Friday morning and that’s what we did.

It helped that DF is the calmest driver I know, and that Linda B. shrugs off all crappy weather with, “Hey, it’s Alaska.”

He dropped me off on his way to work and she and I enjoyed the film (even though I hadn’t seen the first one I was able to follow along). When we left the theater it was snowing sideways, so we crept carefully over to the Table 6 restaurant and had lunch.

Then came the slippery part.

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Shop for the best ink/toner prices — and enter to win a $25 gift card.

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thTime to brace yourself for the annual holiday letters – those recaps of hot promotions at work, straight-A report cards, paid internships at Fortune 500 companies, swank housing or automobile upgrades, fabulous vacations and general lack of any downturn.

Throw in a photo of a staggeringly photogenic nuclear family posing with the family pooch and the recipients feel like jumping off bridges.

Their own jobs aren’t going nearly so well, their kids are struggling with algebra and their dogs are butt-ugly (though loyal).

The good news: Paper letters are going the way of the dodo.

The bad news: Now that they’re done electronically the sender can attach video of Junior’s trumpet recital.

How’d you like a $25 gift card to take your mind off the issue?

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