Tips For Holiday Shopping on a Budget
The holidays are the season for people who spend their money on shopping and it's fun shopping while on vacation. It can relieve stress after you have been working for so long. Maybe there are many things that you have planned to buy while on vacation but you have to think again to save money.
Set spending limits to start preparing your budget.
Take a look at your bank account and decide how much you can set aside for holiday shopping this year. Write down your outside expenses, calculate how much income you will generate during that time, and see how much is left to spend.
Prepare other costs.
Such as hotel fees, travel tickets, groceries and others. You should start saving to prepare for the holidays at the end of the year. You can start setting aside money for holiday shopping long before the holiday season arrives.
Will your holiday season include any additional costs, in addition to gifts? Think again about whether you need to spend money on sending holiday cards, buying wrapping paper, decorating your home, or traveling for the holidays. Consider other holiday expenses to get a complete picture of your expenses.
This will give you a more accurate picture of how much money you will spend during the holiday season, beyond your normal daily expenses.
Shopping list
Having a shopping list will keep you organized and on track when you go out to start buying. Make a menu list for the people you want to give gifts to. Think of all the family members and friends you need to buy gifts for, then come up with 1-2 gift ideas for each person.
You may also want to include people who will receive holiday tips, such as babysitters, gardeners, or mail carriers. Write your list down on your phone or paper. Having them handy when you're out shopping will help you avoid being distracted by other gifts, which could take you over your budget.
We recommend that you do research for every purchase of goods you want to buy. You can look at online stores and on store websites to see how much you should spend on each gift you want to buy. This method must be done before you start buying, so as not to be fooled by the very expensive price.
Once in a while, you can give a gift at a high price. This is something normal, especially for your friends or acquaintances.
Buy online
If you plan to purchase a gift online, you will usually have to pay an additional fee for shipping and handling, which may vary depending on the website and where the product is shipped from. To see how much your shipping costs, add the item to your cart and go to checkout, but don't complete the purchase. Record the shipping costs and add them to your projected expenses for the gift or person.
Some websites will give you free shipping if you spend more than a certain dollar amount. If you're going to save more money just by paying for shipping or if you end up under the magic number, decide if it makes more sense to add a few items to your cart.
Check your gift list if necessary.
Add the projected expenses to get the total cost of your holiday shopping. Then, if your costs are higher than your limit, you have to find a place to cut. Compare these costs with the spending limit you set earlier.
If overspending is a big problem, try visiting an ATM before you head to the store. Withdraw cash accordingly to buy the prize you're aiming for.
Compare online retailers for great deals. Many online sellers, such as Amazon and eBay, offer a wide variety of products at lower prices than you would find in offline stores. Be sure to check several retailers to make sure you are getting the best bargain price.
Use discount
Look for discount codes before buying. Look for any coupons you get from websites or from stores and catalogs. Before shopping, check your stash coupons and see if there are any discounts you can use. If you shop online, you can do the same by searching for discount coupon codes on Google.
Use cashback
Use cashback from credit cards or points for shopping. You can use gift cards and credit card points to purchase merchandise from select retailers. Go to your credit card service website to see if you have your points for rewards. You can also look for credit cards that give you cash back on purchases you make.
Also, check out old gift cards that you might still be able to use to buy gifts. Check in your wallet or other card stash to see if you have a gift card you can use.
Consider making your own gift. Giving your own handmade gifts can add a lot of fun and can also save you money. If you're on a tight budget, try figuring out some easy DIY holiday gift tutorials and pick something the person you're gifting will love.
Shop according to your own needs. Shopping with friends or family can be fun too, but you may end up buying things you don't really need. You can pick all the time you need and it will be easier to stick to the grocery list that you need.
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