Christmas 2008: Feast or Famine?

Christmas 2008: Feast or Famine?


The holiday shopping season will soon be upon us or it could already be here judging by the early sales being conducted so far. Few retailers seem to wait until after Thanksgiving to get their seasonal push going these days and with Turkey Day falling on November 27th this year, we’ll probably see sales from now through the new year.

Analysts are painting a gloomy picture this year, expecting that sales will rise only marginally for 2008 over 2007, citing concerns that recession weary consumers will hold Christmas Shoppingonto their hard earned dollars this season. Coupled with a drop in the value of homes as well as a decrease in the worth of retirement savings, some people will probably be cutting way back this year.

But, not everyone will be so tight especially anyone who has cash on hand. When you have funds available to pay for something you’ll make your purchases accordingly and be able to take advantage of sales that come along. In addition, depending on where you shop and what you are planning to buy, cash can open doors for you that credit won’t. Specifically, you may be able to do the following:

Bigger ticket items such as a new car, jewelry, and most luxury items can be had for a discount if you can flash the cash. When you pay credit, stores lose 1-3 percent of the sale due to credit card transaction fees.

Retailers are always wary of potential credit card fraud, something that is non-existent if you are paying cash. Of course, there is always the chance that the retailer would be getting some funny money, but that is easier for them to detect than a forged credit card transaction.

When paying cash, you can use your money as leverage to negotiate a better price. Not only should you be able to recoup their credit card cost, but you could ask for a lower price on top of that. Again, luxury items and large consumer items are usually negotiable, while mostly everything else is not. If you can’t get a cash discount, ask for free wrapping, delivery, or other consumer add ons.

Finally, when shopping for gifts, do your research and keep your receipts. Sales will be held over the coming weeks with possibly deeper price cuts as we get closer to December 25th especially if earlier sales fail to bring in the customers.

Adv. — Closet decor! Now that’s a new term. But that is what you do when you add stylish clothes, shoes and underwear. But where can you find the right closet decor?

Our “what’s in your closet ” shopping center has the style you need to dress in casual and formal wear.

What You Can Find:


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Categories: Consumer Tips

About Author

Matthew C. Keegan

Matt Keegan is a freelance writer and editor as well as publisher of "Matt's Musings", his personal blog. Matt covers campus, consumer, business and financial topics on various websites and blogs, and has been published in the "Houston Chronicle", "Sam's Club Magazine" and "Wisconsin Golfer".