How To Christmas Shop Without Going Into Debt

How To Christmas Shop Without Going Into Debt

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By Lauren Dzuris

It’s almost that time of year again.  Like every year, the Christmas holiday seems to sneak up on us so quickly.  Before we know it the weather has changed, our children are off for Christmas break and the radio stations are playing Christmas music.

If you haven’t even thought about Christmas shopping yet, here are some tips you may want to consider when it comes to buying all your close friends and family members their wonderful gifts.

Budget: The first thing you want to do is come up with a budget.  How much money are you willing to spend on all of your Christmas shopping?  When thinking of a budget, consider all the people you need to shop for.  What amount of money per gift are you thinking about?

People: Who will you be shopping for? Write down all your friends and family members that you’ll be buying gifts for.  Next to each person’s name, write down how much you’re going to spend on them.  This should be the maximum price without going over your budget.

Black Friday: Consider shopping on Black Friday. This will be one of the best days to grab those yearly deals.  You can shop at 4 a.m. or online to get some fantastic deals!  Shopping on Black Friday will really help your dollars go further.

Shop online: Some people don’t realize how great shopping online can be.  Not only do you save gas money from not having to leave your home, but you will also avoid all the long lines and you may run into even cheaper prices after using coupon codes.  So, before you go out check to see what is on the Internet first!

Reward points: One thing people don’t even think about is their rewards points. When we use a credit card on a daily basis, we usually rack up a great amount of points.  Check your account online to see how many points you’ve accumulated. This can be a great way to redeem certain gifts or getting gift cards without having to spend a dime!

Christmas shopping doesn’t have to expensive.  Set your budget, plan who you’re going to shop for and then consider shopping on those great sale days. There are several ways to save money if you’re creative!

Author Information

Lauren Dzuris runs FindMyCarSeat.com, a Convertible Car Seat website that can help new parents find a great car seat, while giving them tips and advice on everything from pregnancy to parenting.

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