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christmas shopping

How to Christmas Shop Without Breaking the Bank

by Advance Financial | November 29th, 2016

tree2

Ready or not Christmas is almost here. Though it is a time of giving and spending time with loved ones, it also can add some major stress in your life, especially if your bank account isn’t ready to be hit with Christmas expenses. To aid you in your gift purchases this year we have comprised a list of easy tips to help you save some money and not completely drain your bank account.

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 affordable

If you have a large list of people to buy for and a small amount of disposable income, then you might want to keep it simple when it comes to gifts. The season of giving doesn’t have stipulations on how lavish a gift you give should be. When it comes to co-workers, distant relatives, or that neighbor you feel obligated to give just a little something to, simple and cheap items like a coffee cup with a mixture of candy in it will work fine. It’s the thought that counts anyway.

shipping

With the influx of online sales during the holidays, many online retailers will offer free shipping for the holidays on specific dates. Research what retailers are offering free shipping for holiday orders and try to shop at only these places to save some extra cash.

retail

There are multiple retail stores like Ross and TJ Maxx that offer substantially discounted designer items that are leftover inventory. You can get everything from designer handbags and perfumes to name brand electric razors for a lot less than what they were originally sold for.

list

Getting organized on who you are going to be buying for is a must in order to even attempt to save money this Christmas. Once you create your list, categorize the gift level. For example, Karen from accounting will be getting a coffee mug with candy, so she’s a level 3, your brother that usually gets a $25 gift card to Apple Bee’s is a level 2, and your spouse who you know wants an $80 FitBit is a level 1. This helps when making your budget on how much to spend per level of gift.

budget

Once you have a list of people you know you are going to be buying gifts for and the gift levels they are, come up with an actual number you can afford to spend. Try your hardest to stay within budget even if that means some of the level 1s gets bumped down to a level 2.

regift

That pajama set from your aunt last year that you never even opened looks like it would fit your sister’s new boyfriend perfectly, just make sure your aunt isn’t around when you give it to him as a gift. Its bound to happen that you’re going to receive gifts that you really don’t need or want, so hold on to them for next year. As long as the gift giver doesn’t find out, what’s that harm. When it comes to your budget that’s one less person to actually buy for.

pricecheck

There will be tons of sale advertisements for percentages off and buy one get one, but make sure you are still getting the best deal. When it comes to online shopping it may take an extra minute to price check an item on another retail site. Even if it’s just a dollar cheaper, getting the best deal for all the gifts you purchase will add up when it comes to saving money.

 

 

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