Advertising
Advertising

10 Savvy Tips For Christmas Shopping Thrifters

10 Savvy Tips For Christmas Shopping Thrifters

We’re getting closer to Christmas with each passing day. Have you started shopping for the best gifts for men, women, children, and your loved ones yet? You might think that you have plenty of time, but that’s the surest way to find yourself on the edge of the holiday with a lot of shopping still to do (and not enough time to take advantage of shipping discounts!). Suddenly, the prices of everything that your children, your husband, your mother-in-law – everyone on your list, in fact – wanted will start to shoot up before you know it. Fret not and take a look at our top ten pieces of advice to beat the rush, and save some cash in the process.

1. Use discount apps.

Have you heard of Wikibuy? It’s just one browser extension that pops in when you are shopping, and when you head to the “Checkout” page, it automatically starts scouring the Internet for a better deal on that same exact product or service. If there’s better deal for cat litter out there, for example, it will pop up for you.

Advertising

2. Sign up for emails from your favorite stores.

If you have an email account with a provider like Gmail, which separates your promotional offers out from the rest of your inbox, then you should go ahead and sign up for email alerts from the places you like to shop. They filter into your promotional tab, and you can take a look through there and see if one of your favorite stores is offering a deal. You don’t have to surf through store websites – they will just pop up in your inbox.

3. Finish your shopping as early as possible.

That might sound unrealistic, but hear me out. TechieState says that in those last ten days before Christmas, prices will starting going up, as retailers take advantage of procrastinators. Even if you’re shopping online, you’ll start to see those “FREE SHIPPING” offers dry up as you get closer to the big day. This way, your packages have plenty of time to get where they are going.

Advertising

4. Mix needs in with wants.

No, your kids won’t get excited to open a package with a sweater inside or a jacket. However, if you have also gotten them a few things off their “wants” list, you can combine your winter “need” shopping with what your kids want.

5. Sign up with the major discount websites.

Sites such as Overstock, Groupon, and Living Social put out new deal emails every day. Websites like Groupon Goods offer deals on a wide variety of gift ideas, often with discounts well above 50%. With a Gmail account, these messages will slip into your Promotions tab, and you can pick out the ones you want to read.

Advertising

6. Consider experiences instead of objects.

Does your son want an XBox One? That’s going to set you back at least $300 new, and then the games are $50 – $75 each – and special edition games cost even more. But is your son also a huge fan of your local NBA team? You can get two pretty good tickets for $100 each – less than the XBox One – and you’ll make a memory with seats at the big game.

Another way is to give your loved ones a year subscription of your local gym or a complete course of 21 day fitness rock, just in case your recipient is an exercise aficionados. A roundtrip ticket to some nice place, a concert, or holiday festive cruise within the country also works great. It isn’t just unique, they are going to love the life experience and memories it will give them for years to come.

Advertising

7. Start next year’s shopping in January.

OK, if you max out your cards in December you might have to wait until February or March. But here’s the deal – if you buy when most people aren’t, you’re always going to get better deals.

8. Don’t forget local discount retailers.

Stores like T.J. Maxx, Marshalls and Big Lots often carry name brand items for pennies on the dollar. People who stay at home and just shop online can miss out on huge deals this way, especially if you are thinking about what to buy for a baby, as these products are running low during holidays. If you can slip out on your lunch break and hit the store (and ideally take an early or late lunch), you can avoid the rush that comes in the evenings.

9. Consider memberships instead of lump-sum gift prices.

There are clubs for the Beer of the Month, the Fruit of the Month, even the lingerie of the month.  Buying this sort of present gives your loved one something to open all year – and you can accept monthly billing instead of having to buy a larger present all at once.

10. Never stop hunting new discounts.

One thing that’s always true – new sites are opening all the time to give you access to new ways to shop. Keep pounding the pavement – and you’ll keep saving money. Happy Holidays!

More by this author

Junie Rutkevich

Game Developer of iXL Digital

8 Things You Should Consider Looking At When Buying A Home, Part 2 Zinc: The Usually Forgotten Micronutrient We Need Daily and Its Food Source How to Make Sure What You Sell Is What the Market Needs 7 Things To Consider Before Hiring An Advertising Agency Is It Necessary To Follow Traffic Rules?

Trending in Budget Activity

1 6 Easy Ways to Treat Yourself 2 7 Websites to Sell Used Stuff Profitably 3 Seven Tips to Save Money While Renovating Your Home 4 4 Ways to Make Every Penny Stretch in 2017 5 Getting Out of Debt in 4 Simple Steps

Read Next

Advertising
Advertising
Advertising

Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

Advertising

Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

Advertising

It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

Advertising

6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

Advertising

Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

More Resources About Better Money Management

Featured photo credit: Pexels via pexels.com

Read Next