Credit | Cherry Creek Today

October 23, 2008 By Jerry

Times are tight, the holidays are coming, and you’re tired of the budget. Boo hoo.
Seems you haven’t quite figured out that the best money-saving strategies are, more often than not, the simplest ones.
If you don’t need it, don’t buy it. Sage advice in these uncertain times.

Here are some more DO’s and Don’ts on Budget Basics:

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DO recognize your bad spending habits. Your neighbors are never as impressed as they appear to be.
DON’T kid yourself. If you don’t have the money for a purchase when you hand over your credit card, chances are good you won’t have it when the bill arrives.
DO yourself a favor. Set goals for major purchases, and look for ways to reduce unnecessary spending while setting priorities.
DON’T blame anyone but yourself for financial chaos. Those designer shoes didn’t follow you out of the store on their own.

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Budgeting and saving is hard work, and don’t let anyone tell you it isn’t, but with a little self-determination (no, make that a lot of self-determination) and planning, you’ll sail through, especially when times are tight.

Banner photo by pbo31, available under a Creative Commons Attribution-Noncommercial license.

Linens 'n Things Folds

Linens ‘n Things

, another corporate victim of a widespread credit crunch, will begin liquidating its remaining stores as early as this week after the bankrupt home goods retailer failed to find a buyer that will operate the company as a going concern.

The retailer, which initially struggled amid a housing slowdown and a decline in consumer discretionary spending, was finally taken down by a credit crisis that prevented possible buyers from getting the credit to fund a purchase.

As of December 31

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, 2007 the company was one of the largest purchasers of home furnishings in the United States, employed some 17,500 people and had a vendor base of about 1,000 suppliers, according to court documents.

At that time, the company was operating 589 stores in 47 states and seven Canadian provinces. But the sharp decline in the housing market and a slump in consumer discretionary spending undermined the company’s ability to pay its suppliers.

The national home store retailer Linen-N-Things has announced on its website that their doors will close, with a 30% off-everything-must-go parting gift to shoppers. There are ten locations here in Colorado.

Banner photo by pbo31, available under a Creative Commons Attribution-Noncommercial license.

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