you save or pay. By putting toge

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you save or pay. By putting toge

Postby tujue » Sat Jan 12, 2019 6:10 am

Apparel retailer Gap Inc (GPS.N) said it would close a quarter of Gap specialty stores in North America over the next few years Matt Nieto Jersey , including 140 this year, potentially affecting thousands of jobs as the company struggles with a slump in sales at its namesake brand.

San Francisco-based Gap also said it would cut 250 jobs at its headquarters.

The company did not say how many employees would be laid off as a result of the store closures. As of Jan. 31, Gap had about 141,000 full- and part-time employees in about 3,700 company-owned and franchise stores worldwide.

A series of fashion misses has resulted in shoppers turning away from Gap to fast fashion rivals such as H&M, Inditex's (ITX.MC) Zara, and Forever 21.

"Management is trying to control the exposure to the Gap brand until they can have some compelling product to really (rejuvenate) the top line and profitability," Mizuho Securities USA analyst Betty Chen said, noting the company's "prudence" in trying to eliminate the store footprint.

The announcement of store closures follows a management shakeup at the retailer.

Gap Chief Executive Art Peck, who took over the reins in February, said last month that the label's women's clothing business had been a challenge for several seasons due to quality and fit issues and because it was not trendy enough.

Gap fired creative director Rebekka Bay in January, eliminating the position in the process. In February, the company hired Wendi Goldman, former co-president at L Brands Inc's (LB.N) Victoria Secret, as executive vice president of Gap's product design and development team.

Jeff Kirwan was named the Gap division's global president in December.

Gap said it expected to close 175 of the 675 specialty stores under the Gap label over the next few years, resulting in annual sales losses of about $300 million.

The company also said it expects to incur one-time costs of $140 million to $160 million, primarily in the current quarter.

Gap reported sales of $16.44 billion for the year ended Jan. 31.

After the closures, Gap will have 500 specialty Gap stores in North America, as well as 300 outlet stores. The company also said it plans to close some stores in Europe, but did not specify how many.

Budgeting your monthly expenses in order to get the greatest return on your income (and perhaps, even put aside some for saving!) doesn’t have to be extremely hard.

Various budgeting programs are available for use. Money management programs provide you with a usual package that allows you to enter your cash inflows and outflows, categorizes your expenditures, and at times, presents to you analysis of your spending behavior. Through these programs you can also input the various payments you have to make monthly, and subsequently track if you’ve paid your dues on time. Moreover, some programs also offer you a tax form draft that will help you make sure you’re not missing out on any dues or any deductibles, for that matter.

Another budgeting tool that you can utilize are coupons. Various stores and magazines contain coupons that you can use to get discounts on various products. Should there be a need to purchase a particular product for which you have a coupon for, you will end up saving a fraction of what you might have had to spend on a regular purchase.

Lists-whether on a piece of paper, on your cellular phone, or on your personal digital assistant (PDA) will help you keep focused on what you have to buy, and in effect, keep track of the purchases you make. A classic example is your regular grocery trip. Prior to making the trip, plan out the week’s entire menu and identify what food items and materials you need to purchase that are unavailable in your pantry. Then, make a list of other household items that you’ve run out of (or are eventually going to run out of before you can make the next trip to the grocery). Armed with these lists, you can go to the grocery and know exactly where to go and what you’re going to buy. Without these lists, you will walk idly along aisles, and will likely pick up various food items that you won’t likely need in the immediate future, or already have at home.

A filing system is perhaps one of the best budgeting tools you can have in your home. With simple, labeled file folders, you can put together your bills, your receipts, and whatever bank documents are issued to you when you save or pay. By putting together your bills, your credit card receipts, and the like, you are able to keep track of how much you owe and when your payments are due.

Effective budgeting tools are those that best address your needs as a consumer. Create your own budgeting tool or find a program to do it for you-just make sure it suits your lifestyle.

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