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5 Do’s & Dont’s Of Holiday Shopping

5 Do’s & Dont’s Of Holiday Shopping

Holiday season is upon us and that means two things, a bigger waistline and a smaller wallet. Whether we’re travelling, partying or buying gifts for family, friends and “more-than-friends”, it’s the most expensive season of the year.

With so much enthusiasm for the holidays, the average person expects to spend upwards of $805 during the holiday season with $460 spent on gifts for family members, according to the National Retail Federation’s 2015 Survey. But just because we’re willing to spend, doesn’t mean we should spend carelessly. Here are a few tips on the do’s and dont’s of holiday shopping, to stretch your dollars even further.

The 5 Holiday Shopping Do’s:

1. Make a Budget

Before you head to the mall, or Amazon, first establish your total budget for the holidays. Then, write a list of all the people you need to buy gifts for. Now, divide the number of gifts into your total budget, and that will tell you how much you have to spend per person. For example, if you have a total budget of $500, and are buying gifts for 10 people, that’s $50 a person. Now you may decide to spend more on certain people over others, that’s fine, just make sure to then reduce your budget for the others appropriately.

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2. Be Opportunistic

Give yourself some flexiblity. Start shopping early enough to take advantage of deals, like Black Friday. Do research online, and price shop. Also use online shopping apps like PriceGrabber.com, that let you compare prices across different retailers and automatically send you notices of price drops for your target gifts. Doing all your shopping on one day, in one mall, can really limit your savings opportunities.

3. Do The Double Discount Dip

You know the 15% discount or $30 credit you get for opening up a new credit card at the point of sale? Those could add up to significant savings, especially when their combined with items which are already on sale! While most folks will tell you to avoid them like the plague, the fact is, if you pay off the cards right away, it’s found money. Just make sure you have the discipline to pay off your balance completely in the first month, if you can’t trust yourself take a pass on this strategy.

4. Get Free Shipping

There’s no sense spending the time to find a 20% discount on a $50 item, if you’re going to be charged $17 in shipping. Always make sure to shop on sites that offer free shipping, and if there are minimums, see if it makes sense to bundle a few gifts together to get the discount. Also make sure you shop early enough so you don’t have to spend extra on shipping to get it delivered in 2 business days.

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5. Get Rewarded

This is one of the seasons where you’ll be spending the most throughout the year. Get rewarded for it and use a rewards credit card for all your purchases. Whether you want to use a cash back credit card or travel rewards card is up to you, but used properly you should get between 2%-5% in earnings from a premium credit card and 1% with a no fee rewards card. Using your credit card may also give you purchases assurance, protecting you from damage or theft for 90 days after your purchase.

The 5 Holiday Shopping Dont’s

1. Avoid Spending More Than You Have

The holidays are supposed to be festive occasions. Putting yourself into debt to buy someone a gift is no one’s idea of fun. Stick to your budget. The people you’re buying gifts for are presumably friends and family – they don’t want to enrich they’re lives at your expense. If they do, find some new friends.

2. Don’t Be Cheap, Be Frugal

There’s a difference between being cheap and frugal. Being frugal means you’ll do the work to find the cheapest price for an item. Being cheap means you’re willing to sacrifice quality for price and get a poorer quality item, just because it’s cheaper.

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3. Don’t Buy It, If You Can Make It

I don’t know about you, but my most memorable gifts have always been the ones that were made for me, like a blanket knitted by my grandmother. While that may be unrealistic for many modern adults, it’s certainly something we can ask of our kids. Instead of giving them money to buy us something, why don’t we ask them to give us a non-monetary gift, like a painting, a video, a hand written card, a photo album of their favourite family pictures, etc…

4. Be Wary Of The Non-Returnable

Getting items on sale can be dicey, since many are final sales. Unless you’re positive it won’t be returned, you may want to hold off on the purchase. A final sale means you cannot return or exchange the gift. Spending all that money, only to find out you bought the wrong sized shirt, or a video game your nephew already has, is frustrating. So either avoid non-returnable items, or make doubly sure it’s the right gift.

5. Don’t Pay For Return Shipping

Let’s face it, not every gift is a success. However, with so many purchases now made online, returning items is more common and trickier than ever. Make sure whoever you buy from online, does not charge you a shipping cost for returning or exchanging items – this is especially true of clothing, where sizing is so uncertain. Finding retailers like Walmart, Zappos, LL Bean & Nordstrom that offer free returns is essential.

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The holidays are meant to be fun. Your kindness shouldn’t be a financial burden. Set yourself a budget and do the best you can within your means. Most of all, use the time off during your holidays to create unforgettable moments with friends, family and loved ones! Time well spent is the most precious gift of all.

Featured photo credit: Women with high heels and shopping bags – Three girls sitting on stairs and chatting after buying presents ,oneinchpunch via shutterstock.com

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Marc Felgar

Marc Felgar is an aging, health & senior care expert focused on improving the lives of mature adults.

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Last Updated on September 20, 2018

How to Stay Calm and Cool When You Are Extremely Stressful

How to Stay Calm and Cool When You Are Extremely Stressful

Being in a hurry all the time drains your energy. Your work and routine life make you feel overwhelmed. Getting caught up in things beyond your control stresses you out…

If you’d like to stay calm and cool in stressful situations, put the following 8 steps into practice:

1. Breathe

The next time you’re faced with a stressful situation that makes you want to hurry, stop what you’re doing for one minute and perform the following steps:

  • Take five deep breaths in and out (your belly should come forward with each inhale).
  • Imagine all that stress leaving your body with each exhale.
  • Smile. Fake it if you have to. It’s pretty hard to stay grumpy with a goofy grin on your face.

Feel free to repeat the above steps every few hours at work or home if you need to.

2. Loosen up

After your breathing session, perform a quick body scan to identify any areas that are tight or tense. Clenched jaw? Rounded shoulders? Anything else that isn’t at ease?

Gently touch or massage any of your body parts that are under tension to encourage total relaxation. It might help to imagine you’re in a place that calms you: a beach, hot tub, or nature trail, for example.

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3. Chew slowly

Slow down at the dinner table if you want to learn to be patient and lose weight. Shoveling your food down as fast as you can is a surefire way to eat more than you need to (and find yourself with a bellyache).

Be a mindful eater who pays attention to the taste, texture, and aroma of every dish. Chew slowly while you try to guess all of the ingredients that were used to prepare your dish.

Chewing slowly will also reduce those dreadful late-night cravings that sneak up on you after work.

4. Let go

Cliche as it sounds, it’s very effective.

The thing that seems like the end of the world right now?

It’s not. Promise.

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Stressing and worrying about the situation you’re in won’t do any good because you’re already in it, so just let it go.

Letting go isn’t easy, so here’s a guide to help you:

21 Things To Do When You Find It Hard To Let Go

5. Enjoy the journey

Focusing on the end result can quickly become exhausting. Chasing a bold, audacious goal that’s going to require a lot of time and patience? Split it into several mini-goals so you’ll have several causes for celebration.

Stop focusing on the negative thoughts. Giving yourself consistent positive feedback will help you grow patience, stay encouraged, and find more joy in the process of achieving your goals.

6. Look at the big picture

The next time you find your stress level skyrocketing, take a deep breath, and ask yourself:

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Will this matter to me…

  • Next week?
  • Next month?
  • Next year?
  • In 10 years?

Hint: No, it won’t.

I bet most of the stuff that stresses you wouldn’t matter the next week, maybe not even the next day.

Stop agonizing over things you can’t control because you’re only hurting yourself.

7. Stop demanding perfection of yourself

You’re not perfect and that’s okay. Show me a person who claims to be perfect and I’ll show you a dirty liar.

Demanding perfection of yourself (or anybody else) will only stress you out because it just isn’t possible.

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8. Practice patience every day

Below are a few easy ways you can practice patience every day, increasing your ability to remain calm and cool in times of stress:

  • The next time you go to the grocery store, get in the longest line.
  • Instead of going through the drive-thru at your bank, go inside.
  • Take a long walk through a secluded park or trail.

Final thoughts

Staying calm in stressful situations is possible, all you need is some daily practice.

Taking deep breaths and eat mindfully are some simple ways to train your brain to be more patient. But changing the way you think of a situation and staying positive are most important in keeping cool whenever you feel overwhelmed and stressful.

Featured photo credit: Brooke Cagle via unsplash.com

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