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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 May 15, 2019

How to Tap Into the Power of Positivity

How to Tap Into the Power of Positivity

As it appears, the human mind is not capable of not thinking, at least on the subconscious level. Our mind is always occupied by thoughts, whether we want to or not, and they influence our every action.

“Happiness cannot come from without, it comes from within.” – Helen Keller

When we are still children, our thoughts seem to be purely positive. Have you ever been around a 4-year old who doesn’t like a painting he or she drew? I haven’t. Instead, I see glee, exciting and pride in children’s eyes. But as the years go by, we clutter our mind with doubts, fears and self-deprecating thoughts.

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Just imagine then how much we limit ourselves in every aspect of our lives if we give negative thoughts too much power! We’ll never go after that job we’ve always wanted because our nay-saying thoughts make us doubt our abilities. We’ll never ask that person we like out on a date because we always think we’re not good enough.

We’ll never risk quitting our job in order to pursue the life and the work of our dreams because we can’t get over our mental barrier that insists we’re too weak, too unimportant and too dumb. We’ll never lose those pounds that risk our health because we believe we’re not capable of pushing our limits. We’ll never be able to fully see our inner potential because we simply don’t dare to question the voices in our head.

But enough is enough! It’s time to stop these limiting beliefs and come to a place of sanity, love and excitement about life, work and ourselves.

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So…how exactly are we to achieve that?

It’s not as hard as it may seem; you just have to practice, practice, practice. Here are a few ideas on how you can get started.

1. Learn to substitute every negative thought with a positive one.

Every time a negative thought crawls into your mind, replace it with a positive thought. It’s just like someone writes a phrase you don’t like on a blackboard and then you get up, erase it and write something much more to your liking.

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2. See the positive side of every situation, even when you are surrounded by pure negativity.

This one is a bit harder to put into practice, which does not mean it’s impossible.

You can find positivity in everything by mentally holding on to something positive, whether this be family, friends, your faith, nature, someone’s sparkling eyes or whatever other glimmer of beauty. If you seek it, you will find it.

3. At least once a day, take a moment and think of 5 things you are grateful for.

This will lighten your mood and give you some perspective of what is really important in life and how many blessings surround you already.

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4. Change the mental images you allow to enter your mind.

How you see yourself and your surroundings make a huge difference to your thinking. It is like watching a DVD that saddens and frustrates you, completely pulling you down. Eject that old DVD, throw it away and insert a new, better, more hopeful one instead.

So, instead of dwelling on dark, negative thoughts, consciously build and focus on positive, light and colorful images, thoughts and situations in your mind a few times a day.

If you are persistent and keep on working on yourself, your mind will automatically reject its negative thoughts and welcome the positive ones.

And remember: You are (or will become) what you think you are. This is reason enough to be proactive about whatever is going on in your head.

Featured photo credit: Kyaw Tun via unsplash.com

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