5 Alternative Gift Ideas that Don’t Come from a Toy Store

 

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Parents spent an average of $422 per child on holiday presents in 2016, according to a survey by T. Rowe Price. An estimated 56 percent of parents with children ages 8 to 14 use credit to purchase gifts, which are bound to include gadgets that’ll be old news by New Year’s but not paid off until months after that. 

Indeed, the holiday season — the most wonderful time of the year, as it’s known to some — may be far from wonderful for budgets as some parents try to fulfill every child’s every wish. 

A 2016 Experian holiday shopping survey found:  

  • 56 percent of people said they spend too much money during the holidays. 
  • 55 percent admitted that they feel stressed about their finances during the holidays. 
  • 43 percent said the extra expense makes the holidays hard to enjoy.  

Some parents overload their children with “stuff” that will quite possibly be obsolete or bested in popularity by the next big thing just in time for the next holiday season. No great mystery that the U.S. has 3.1 percent of the world’s children, but consumes 40 percent of the world’s toys. 

“We are a materialistic society, and often our rituals and celebrations reflect this,” says Dr. Mary Gresham, an Atlanta-based psychologist who specializes in financial and clinical psychology. “Many parents get caught up in this and start to believe that the right toy will bring happiness to their child.”  

Here are five gifts to give your little ones besides presents this year. Your overflowing closets and pockets may thank you for considering other gift options.  

The gift of a financial head start

You could get them a $50 toy that they’ll lose or break in a matter of weeks … or you could open an online investment account in your child’s name and teach them the beauty of investing.

And don’t worry if you’re not an expert.  

Brendan Mullooly, an investment adviser for an asset management firm in Wall Township, N.J., suggests that novice investors interested in making a financial gift to a young person should use a service like Stockpile, an online company that simplifies the process of gifting stocks to minors.  Check out our review here

“You can purchase gift cards of individual stocks and some index ETFs to give as a gift,” says Mullooly.

And Stockpile allows you to buy fractional shares, so the gift cards can be for small amounts.  Mullooly recommends setting up view-only access to these custodial accounts so your young investor can check on how the investments are doing.  

“This offers a great way to give a gift that’s interesting, has monetary value, and also offers an educational aspect,” he says. 

The gift of giving

For children, the holiday season can be a “gimme” time of year. But it’s also the time when we often hear that it’s better to give than receive.  

Jayne Pearl, a family business and financial parenting expert and co-author of “Kids, Wealth and Consequences: Ensuring a Responsible Financial Future for the Next Generation, says it’s not hard to nurture a child’s giving spirit. She suggests combating the “gimmes” with the “givvies.”

Put part of your holiday budget toward giving to the less fortunate, perhaps through a charitable organization. For example, you could give a gift in your child’s name to an organization such as Unicef or the American Red Cross, or to an area animal shelter or humane society.  

“Giving kids the tools and the consciousness to try to help people is extremely empowering,” Pearl says.  

Her recommendation is to sit down with your children and find out what bothers them about the world, help them figure out how they can help, and make this part of your holiday celebration. Use the holidays as a time to teach your kids that “we have values and our values are not just ‘stuff,’ ” Pearl says.

The gift of membership

You can’t go wrong with season passes to a favorite destination like a local museum, an amusement park or the zoo. You can use them over and over throughout the year, which could ultimately help your family spend less on entertainment. 

Also, check out memberships to national organizations, like the Baseball Hall of Fame for the sports enthusiast. 

Or get a pass that’s fun for the whole family, like the $80 America the Beautiful Annual Pass, which pays for itself in as few as five visits to national parks. The pass covers entry to over 2,000 parks for a full year, and nearly 100 percent of sale proceeds goes toward improving and enhancing federal recreation sites.
 

The gift of travel

Pool the money you would spend on toys and trinkets and knock a destination off your family bucket list. You could time the trip to coincide with the holiday season or breaks during the school year.  

Erica Steed, 37, allowed her children to choose something they wanted to experience together in Christmas 2016. 

Ellison, who was 10, wanted to see the Statue of Liberty. Elian, 7, wanted to see snow, which doesn’t often happen in Georgia. They took a family trip to New York for the holidays, and although it didn’t snow, “we had such a great time that it made up for it,” says Steed, who lives in Roswell, Ga.

When you factor in the cost of airline tickets and lodging in New York City for a family of four during the holidays, this gift option didn’t save the Steeds the money they would’ve spent on presents.

But by planning, creating a budget and sticking to it, the family spent the holidays doing something they could all enjoy and remember for a lifetime. And this, Steed says, amounted to money well spent.  

The gift of learning

You know your children better than anyone. And every one of them is unique, with his/her own set of interests, so give a gift that helps a child develop existing or new skills. 

Sign them up for classes that help them take their passion or hobby to the next level.  

Consider coding camp for your computer whiz or cooking classes for your foodie. You can find classes offered by educational institutions, community organizations, companies or individuals. 

You could also take a look at online classes like these from MasterClass, which can help your child hone a craft with a celebrity idol without leaving home. 

The post 5 Alternative Gift Ideas that Don’t Come from a Toy Store appeared first on MagnifyMoney.

6 Great Gadget Gifts for Father’s Day

Can't figure out what to get dad for Father's Day? Here are some of our favorite gadgets.

Father’s Day is fast approaching. If you’re still trying to figure out how you’re going to thank Dad for all the things he’s done for you over the years, you’re in luck, especially if he likes gadgets and gizmos. We’ve combed through countless products to find some of the best stuff to make your dad happy this Father’s Day (and keep your wallet happy, as well).

For the Dad Who Loves His Tablet: Flipy

Price: $49.98 on Amazon

If dad is always on his tablet, this may be a great gift. Flipy is a pillow-like tablet stand that can free up his hands and keep him comfortable when he cozies up with his tablet after a long day. “It’s odd looking, but seriously functional,” Juliette Fassett, the inventor of Flipy, said. “You can move it from table to couch to bed and it works every time.”

For the Music-Loving Dad: RunPhones

Price: $39.95 corded, $99.95 Bluetooth

If your dad heads to the gym or out for a run, and returns to complain that his earbuds are always falling out, RunPhones may be the perfect gift. The headphones are inside a headband and you can separate them to wash the band as needed. They come in a variety of colors and sizes so you can customize them to be perfect for your dad.

For the Traveling Dad: Oaxis AirScale

Price: $59

When Dad flies, whether for work or leisure, the Oaxis AirScale can help ensure the luggage he’s bringing won’t be overweight (ultimately helping avoid any additional fees at the airport). Best of all: The AirScale doubles as a charging port for his devices.

For the Dad Who Can Never Find His Keys: Chipolo

Price: $24.99

If your dad is always searching for his keys (or wallet, or cell phone … or pretty much anything), Chipolo may be his new favorite gadget. This small, flat chip is a Bluetooth tracker he can attach or place on any of his favorite items and then use the paired app, or double click the fob, to see where the item is in the house. He can even place one on his bike as an added security feature to help him know where it is. Pro tip: Your mom is going to be jealous and want a Chipolo, or two or three, of her own. Fortunately, there’s a discount for buying multiple Chipolos, so stock up now for her birthday, Christmas or Mother’s Day.

For the Note-Taking/Writer Dad: Rocketbook Wave

Price: $27

Dad can use the Pilot FriXion pen to write to his heart’s content in the spiral-bound Rocketbook Wave notebook, which comes in two sizes. Once all 80 pages are filled up, he simply takes photos of them with his smartphone and uses the paired app to send them to the cloud storage he already uses. There are also symbols on the page that help sort and organize his content to make finding it later a cinch. After this, he puts the notebook in the microwave. That’s right, the microwave. Microwave the notebook on each side, with a mug of water on top, and the pages appear new again. No more buying multiple notebooks or having to find places to store them all.

For the Handyman Dad: eTape16

Price: $29.95 standard, $49.95 Bluetooth

When dad takes on his next project around the house, he’ll want this measuring tape in his tool belt. No longer will he have to squint at the tape itself to figure out the exact measurement, as the eTape16 has a digital reader on the top that will tell him. Plus, it can convert the measurements to different metrics and store two in memory for future reference. The Bluetooth version allows him to create and customize Excel worksheets with his measurements, as well as prepare cut lists for larger projects.

Paying for the Perfect Father’s Day Gift

Whether you decide to purchase any of these or something else for your dad, consider buying it with a cash rewards credit card, as getting cash back from the card is like giving yourself a gift. These cards usually require a good or excellent credit score to qualify, so if you haven’t built up your credit enough to have access to one of these premier cards, consider using a credit card for fair credit to help build your credit profile (you can find out where your credit stands using Credit.com’s free credit report summary).

Image: fstop123

The post 6 Great Gadget Gifts for Father’s Day appeared first on Credit.com.

Spoil Mom, Not Your Budget, With Mother’s Day Gifts Under $50

Mother's Day can be expensive. It's worth spending on mom, but she'd be the first to tell you not to blow your budget on a Mother's Day gift.

Thinking of ideas for Mother’s Day gifts can be stressful. Our mothers, grandmothers and aunts play such important roles in our lives and we want our gift to reflect how grateful we are. But there’s no need to go overboard – after all, the moms in our lives wouldn’t want us to overspend. We found 16 Mother’s Day gift ideas less than $50 that will warm their hearts and please your wallet. Some make great Mother’s Day gift basket ideas, too.

$50 & Under

Beauty Infusion Quinoa & Avocado for Hydrating
$49 at SkinAuthority.com
Beauty Infusion Quinoa & Avocado for Hydrating will resolve skin care woes in no time. The serum contains quinoa protein and avocado oil to intensely nourish the skin. She will love this beauty treat. (If you really want to treat mom and money’s no object, book her for one of these ridiculously expensive hotel spa treatments.)

Windowbox Medium Fishbowl Terrarium with Red, Pink, & White Forever Flowers
$43.98 at Windowbox
Perfect for the mom who may not have a way with plants, this glass terrarium contains colorful, mini “forever” flowers and greenery that don’t require sunlight or even water. This cheerful gift will always remind her of you.

RestoPresto
$39.99 at RestoPresto.com
For the mom who likes to be prepared for anything, the Resto Presto is a convenient, 55-by-31-inch water-resistant mat for sitting on the grass, on the beach or on a park bench after a rain shower. It can even be worn as a shawl. Folds into a tiny pouch when not in use, so she can carry it everywhere. Available in eight colors and includes mini stakes for securing the corners and a carabiner.

Touchstone Birthstone Collection Necklace & Earrings
$39 each at TouchstoneCrystal.com
Available in every birthstone, these pretty Ceralun pavé baubles add a sweet touch of sparkle. The necklace comes on a delicate rhodium plated chain, and the earrings have titanium posts. She will be touched you remembered both Mother’s Day and her birthday.

$30 & Under

Mind Fuel Nest ‘Because I Said So’ Tunic Tee
$24.99 at MindFuelNest.com
She’s in charge. This super soft tee, available in pink or white, is flattering and roomy and has stylish slits on the sides. 95% rayon and 5% spandex, in sizes small through large.

Armitron White & Rose Gold Women’s Digital Wrist Watch
$30 at Armitron.com
This sporty and sophisticated watch with white soft touch resin and rose gold-tone stainless steel accents will take her from the gym to brunch, and ensure she’s on time. Features include two time zones and water resistance up to 330 feet.

Photo Playing Cards
Price: $24.99 at CVS
She’s probably received her share of personalized gifts, but never a deck of cards. Photo cards from CVS are a gift that will remind her of you when she uses them. One photo of your choice appears on all cards, which come packaged in a clear, plastic storage case. Available in seven to 11 days with free shipping to a CVS store. (Check out these 18 ways to save at CVS.)

Godiva Chocolate Flower Gift Box
$25 at Godiva.com
Who can resist scrumptious chocolates in a flower-shaped box with butterflies? The pretty box is filled to the brim with individually wrapped truffles in mouthwatering flavors: dark chocolate lava, milk strawberry cheesecake and crème brulee. The best part is, the box is so pretty that it requires no wrapping.

She’s Her Own CEO Bistro Apron
$30 at KathrynStyleBoutique.com
Show everyone who is boss with this cute apron from Kathryn Style Boutique. This flattering, black apron is so comfortable, it’s sure to become her go-to when she’s cooking.

KN Karen Neuburger Live Love Lounge Tunic
$22.19 to $26.98 at Bon Ton
She works hard so she deserves comfy lounge wear. This tunic from KN Karen Neuberger is made from soft and forgiving fabric that feels great for relaxing or sleeping. It even has pockets. She may never take it off.

$20 & Under

Minx NY BeachTech High Performance Towel
$19.99 at MinxNY.com
If she’s a beach bunny, this will quickly become her favorite towel. It is soft and comfortable to lie on, and the anti-bacterial microfiber fabric will dry her off three times more quickly than a standard beach towel. When she’s heading to and from her destination, it folds up very small with its own strap. Available in four colors.

Smashmallow
$4 per bag at Smashmallow.com
If mom is always on the hunt for a new sweet treat, spoil her with some all-natural Smashmallow gourmet marshmallows. Available in delicious flavors like Meyer lemon chia seed, cinnamon churro and strawberries and cream, it’ll be tough to pick a favorite. A great addition to a Mother’s Day gift basket.

The Meaning of Michelle
$10.74 at Amazon
If you know a mom who is missing Michelle Obama, this compilation of essays from 16 accomplished writers is the perfect gift. It’s funny, smart and touching, and tied up in a tidy bow by rock star editor and writer, Veronica Chambers.

Golden Door Wildflower Honey
$18 for 12 ounces at GoldenDoor.com
Even the mom who has everything can use a jar of tasty honey. Extracted from hives on the grounds of the Golden Door resort in San Marcos, California, your purchase of this delicious honey also allows you to give back. All profits are donated to causes that aid at-risk children.

Angry Mama Microwave Cleaner
$9.99 at ContainerStore.com
No one likes to scrub a microwave, so this Angry Mama will give her a chuckle but also make cleaning her microwave a breeze. Remove “Mama’s” head, pour in some water and vinegar and heat. The steam will allow all dirt and grime to be easily wiped away.

Minted Notebooks
$16 and up at www.everymothercounts.org
If she still loves to write by hand instead of putting everything in her smartphone, Minted offers beautiful notebooks in many colors and patterns. Choose everything from how the pages are printed – from addresses to blank – to the kind of binding she’d like. And best of all, 100% of the proceeds will be donated to Christy Turlington Burns’ non-profit Every Mother Counts.

As you’re shopping for mom, make sure you’re also avoiding these common Mother’s Day scams. If you think you’ve been had, you can check two of your credit scores on Credit.com for any signs of trouble, like accounts you don’t recognize or a sudden drop in scores.

Image: eli_asenova

The post Spoil Mom, Not Your Budget, With Mother’s Day Gifts Under $50 appeared first on Credit.com.

Gifts for Mother’s Day 2017 That Cost Less Than $100

We know, you would buy your mom the world if you could. But you're on a budget, so try our affordable Mother's Day gift guide.

If you could, you would take mom on a world cruise to thank her for everything she’s done for you. Taking her globetrotting might be out of the budget, but it doesn’t mean you can’t give her something she’ll love, use and cherish.

These 20 gifts are guaranteed to delight, and they’re all $100 or less. Some are even less than $20.

Kamik Jennifer Rain Boots

Kamik-Jennifer-Boot-in-Navy

Photo Courtesy of Kamik

$64.99 at Kamik.com
If she’s not one for jumping in puddles, that’ll change once she steps into these cute boots. She’ll love the comfort and the classic style, and they’re available in five colors.

Terrace Jewelry Organizer by Umbra

Photo Courtesy of The Container Store

Photo Courtesy of The Container Store

$29.99 at ContainerStore.com
Mom has collected lots of baubles and bangles over the years and they’re all in a tangle. This three-tier lined wooden box offers a smart storage solution for her earrings, rings, necklaces and even her reading glasses. Drawers can slide out for display or remain neatly stacked. (If you or your mom have a jewelry habit, here’s what you need to know about the Kay Jewelers credit card. Just be careful not to apply if you don’t think you’ll qualify. You can check your free credit scores on Credit.com.)

Grow Oya

Photo Courtesy of Grow Oya

Photo Courtesy of Grow Oya

$24.95 and up at growoya.com
This clever clay receptacle waters thirsty plants with minimal effort. The Oya is buried in the garden for spring and summer and periodically filled with water. The plants in the vicinity draw the water they need. Because there is less surface watering, weeds are less likely to germinate. Available in three sizes. Wondering what to plant? You can grow these five groceries in your garden.

Tea Forte Rejuvenation Gift Set

Photo Courtesy of Tea Forte

Photo Courtesy of Tea Forte

$55 at TeaForte.com
If she needs a little “me” time, this gorgeous set will provide just that. In a beautiful gift box, she’ll find 10 green tea infusers, an 8-ounce porcelain cup and a tea tray, perfect for a peaceful and delicious afternoon tea. Is coffee more mom’s taste? These four credit cards are great for coffee lovers.

The Stylestring Classic String Collection

Photo Courtesy of The Stylestring

Photo Courtesy of The Stylestring

Price: $68 at TheStylestring.com
If mom has (or needs) a little edge, a Stylestring is the ideal accessory. Available in four colors, this versatile, vegan leather strand can be worn seven ways, including as a belt, bracelet and headband. She’ll love mixing it up every day.

Planted in Beauty Starter Kit

Well Within Planted in Beauty kit

$25 at WellWithinBeauty.com
Treat your mom to healthy skin with this set of six organic skin care products that are chemical- and toxin-free. These skincare products are packed with the highest quality plant-based ingredients, which encourage collagen production and protect her skin from environmental stressors.

Reversible Tote Purse

Photo Courtesy of Walmart

Photo Courtesy of Walmart

$9.36 at Walmart
The roomy tote will take her from the gym to brunch to the farmer’s market. It’s reversible so she can wear each color as the mood strikes, and best of all, it’s less than $10. Available in several color combinations.

OneLeg

Photo Courtesy of One Leg

Photo Courtesy of One Leg

$45 and up at OneLegUSA.com
This ergonomic stool will allow her to tend to her garden in comfort. She can sit and move easily while staying close to the ground and to her plants. Available in four different sizes and seven colors.

Meori Foldable ‘Mom Box’

Photo Courtesy of Meori

Photo Courtesy of Meori

$35 at US.Meori.com
An essential for the mom who needs her own special storage space for the car, the home office or a closet. With “Mom Box” emblazoned on the side, no one is going to mess with her stuff. Collapsible when not in use.

Atlas Coffee Club

Photo Courtesy of Atlas Coffee Club

Photo Courtesy of Atlas Coffee Club

Starting at $14 a month at AtlasCoffeeClub.com
Treat your adventurous Mom to a new coffee each month. As a member of Atlas Coffee Club, she’ll receive a monthly shipment of a coffee from a different part of the world, from the Costa Rica to Ethiopia. Each bag has its own beautiful packaging and cultural information. She’ll think of you each day as she brews a cup.

artnaturals Bluetooth Oil Diffuser

Photo Courtesy of Art Naturals

Photo Courtesy of Art Naturals

$49 at artnaturals.com
A blend of tech and Zen, this Bluetooth diffuser will scent the air with a fragrance of her choosing, play her favorite playlist, bathe the room in soft, colorful light and function as an alarm clock. Add a set of 16 essential oils, including cinnamon leaf, sweet orange and frankincense for $29.

Fischer & Wieser Make Mom’s Life Easier Gift Basket

Photo Courtesy of Fischer & Wieser

Photo Courtesy of Fischer & Wieser

$74.95 at Jelly.com
Sometimes, the most thoughtful gift is to make mom’s life easier. This basket is filled with “Mom’s” tasty sauces and seasonings from Fischer & Wieser. They’ll come in handy when she needs to whip up a quick, delicious meal. They’re preservative- and gluten-free.

Lano Lips Hands All Over Tinted Balm Trio

Photo Courtesy of Lano Lips

Photo Courtesy of Lano Lips

$41 at Net-a-porter.com
One for the kitchen drawer, one for the car, one for her purse. If she’s prone to dry lips, these will be her new go-to balms, as they soothe and nourish even the driest lips, thanks to ultra medical grade lanolin. The three tints offer just a hint of color for a little lift on the go.

Glamma Stemless Wine Glass

Papyrus Glamma stemless wine glass

Photo Courtesy of Papyrus

$14.95 at Papyrusonline.com
Your glamorous grandma needs her own special wine glass. This stemless glass is decorated with “Glamma” in gold foil and comes in a pretty, floral box, ready for gifting.

V-MODA Forza In-Ear Headphones

Photo Courtesy of V-Moda

Photo Courtesy of V-Moda

$100 at V-Moda.com
If she’s using old earbuds for phone calls and music, maybe it’s time for an upgrade. These durable, high-res earbuds deliver great sound for calls and tunes and come with a variety of fittings, sport fins and ear hooks to ensure perfect fit and comfort. They are available in orange, white and black with their own pouch. And if you want to go one step further, 3D printed, color and finish customization is available for an additional fee.

Salt of the Earth Bakery ‘The Whole Shebang’

Photo Courtesy of The Grommet

Photo Courtesy of The Grommet

$37 at TheGrommet.com
With flavors like coffee-infused “The Kona” to the decadent “The Chocoholic,” this box of cookies and brownies will have her grinning ear to ear. The treats are made with sea salts from around the world, for just the right touch of sophistication. The Whole Shebang includes three cookie flavors and three brownie flavors, with plenty to share.

Wahl Hot & Cold Custom Body Therapeutic Massager

Photo Courtesy of Max Warehouse

Photo Courtesy of Max Warehouse

$43.23 at MaxWarehouse.com
From a sore back to tightness in the shoulders, everyone has their share of aches and pains. Help mom find sweet relief with this hand-held massager. With variable speeds and seven attachments, including hot, cold and facial, she’ll be feeling better in no time.

Lorena Canals Leaf Baskets

Photo Courtesy of Lorena Canals

Photo Courtesy of Lorena Canals

$46 at LorenaCanals.us
This beautiful, cotton rope basket offers stylish storage for anything from yarn to magazines to toys. Soft and machine-washable, these baskets are available in Terracota, Natural and Green to suit her decor.

Philosophy Cleanse, Peel, Treat Trial Kit

Photo Courtesy of Philosophy

Photo Courtesy of Philosophy

$55 at Philosophy.com
If she’s been bemoaning dull skin, three simple steps will have her skin looking glowing, fresh and healthy in minutes. Cleanser and moisturizer are used daily, the peel is used weekly.

Vosges-Haut Chocolate Les Fleurs du Chocolat Collection

Photo Courtesy of EveryMotherCounts

Photo Courtesy of EveryMotherCounts

$45 at EveryMotherCounts.org
For every sale of this tasty truffle collection, Vosges will donate 20% of proceeds to Christy Turlington’s non-profit, Every Mother Counts, which supports efforts to make pregnancy and childbirth safer for women. Rich chocolate truffles are topped with garden-inspired delicacies, like orchids and bee pollen.

If you have money left over after shopping for mom, here are 11 other smart purchases for less than $400. And if you’re out of cash, take these four steps to stop buying stuff you can’t afford.

Image: Eva Katalin Kondoros

The post Gifts for Mother’s Day 2017 That Cost Less Than $100 appeared first on Credit.com.

Nordstrom Is Selling an $85 Rock

Nordstrom is selling an $85 rock — it's wrapped in leather, but still, it's an $85 rock.

There is such a thing as an $85 rock, and you can buy it at Nordstrom.

This is not the stone of 1975 Pet Rock fame (which, for the record, you can get for less than $20 online). Back then the Pet Rock had a clear purpose: It was a joke. The Medium Leather Wrapped Stone, on the other hand, is somewhat of a mystery. Not even the writers at Nordstrom knew what to say about it, so they left it open to interpretation: “A paperweight? A conversation piece? A work of art? It’s up to you.”

To be fair, it seems like the focus of this thing is the leather pouch in which it sits, rather than the rock itself. Made Solid — the company behind the Medium Leather Wrapped Stone and its more affordable counterpart, Small Leather Wrapped Stone ($65) — sells handmade leather products.

But what is a leather-wrapped stone without the stone? An empty container that probably won’t hold much of anything. So, really, it’s about the rock. Considering its crucial role, you’d think they’d tell you a little more about the geological superstar, beyond the fact that it comes from the San Bernardino Mountains. But maybe that’s part of the mystery.


Screenshot: Nordstrom.com

And a mystery it is, because if the existence of an $85 rock doesn’t bewilder you, consider this: It’s a hot commodity. Two of the four versions of the Leather Wrapped Stones for sale on Made Solid are sold out. Who knows how long Nordstrom will have them in stock.

For all of you who’ve been wondering what hot holiday gift you should get for your loved ones, you have an answer: A one-of-a-kind, made-in-the-USA rock. (Made Solid did not immediately respond to a request for comment on what makes its Leather Wrapped Stone worth spending $85 on.)

Sure, it might seem a tad expensive. But by all means, if you have $85 to spend and know the Leather Wrapped Stone would add a level of class to your sister’s desk that her one-a-day calendar just doesn’t deliver, go for it. But as tempted as you might be to put it on the old credit card and worry about it later, be careful: It’d be a shame to resent that fancy desk rock come January when it’s the reason you have to cut corners to stay on budget or pay off your credit card bill. (You can see how your credit card balances may be affecting your credit by viewing two of your credit scores, updated every 14 days, for free on Credit.com)

Oh, the things we have to do without to stay out of debt.

Image: efcarlos

The post Nordstrom Is Selling an $85 Rock appeared first on Credit.com.