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How to Find the Best Gifts for the Lowest Prices this Christmas

How to Find the Best Gifts for the Lowest Prices this Christmas

Around this time of year things can get very expensive and we are always looking for ways to get the most bang for the buck. On average, you’ll spend $500-$1000 dollars buying gifts for family, friends, colleagues, and that “special someone”. The traditional way of shopping is to hit the malls and find the best prices for products in different stores. However, this process can require a lot of time. I personally rarely leave my house when shopping because I’ve found cool sites that automatically compare prices for me. I can then place an order online or head to the store to make the purchase.

Today, I’ll introduce three methods which will help you find items for the lowest prices. Use these methods to effectively streamline your shopping experience this Christmas.

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PriceGrabber.com

One of the best websites to find products quickly, this site displays everything from item number, price, store, brand, etc. I’ve been using this website for years because it prevents me from having to click on 20 different online stores to find the best price. If you’re not sure what you are looking for, don’t worry because PriceGrabber will display all the different categories as well as the top ten items being sold. This will help you to find creative things to give for Christmas that are within your budget.

PriceGrabber offers protection to buyers because they fully screen every store advertising on their website. People can also leave reviews, so going forward you’re comfortable shopping at the online store.

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gps-gps-gps-compare-prices-shop-on-pricegrabber

    Review Websites

    In the last five years, review sites have become one of the best ways to shop online. They have grown 20% since 2007 and continue to be a driving force for online sellers. Unlike shopping comparison sites like PriceGrabber, product review websites provide in-depth insight into the product. These sites provide an introduction, full features, and the pros and cons of different products. This type of content helps especially if you are a buyer with specific product needs. For example, if you are looking for a knife sharpener you should check out this product review from Review Zone. As you continue to scroll through you’ll find three or four knife sharpeners all detailed with prices. You’ll also find a link to stores selling that model so that you can purchase it right away.

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    Search engines such as Google will give preference to review sites because it correlates with the user search pattern. For example, when people are searching for specific products they’ll type search queries such as “electronic reviews”, “best skin cream”, or “item # review”. Google will try its best to match the search pattern as closely as possible which means review sites tend to be the first displayed in the results.

    Amazon Search

    It’s no secret that Amazon is one of the biggest shopping platforms in the world. The other two I can think of are eBay.com and Aliexpress.com which are great, but they can take weeks to deliver. However, Amazon has done a great job with their platform allowing you to find the bestselling items and have them shipped within two days using the prime membership option. As the Christmas season approaches, I spend a lot of time on Amazon going through their best sellers. Even though Amazon has some of the best prices I’ve seen online, it’s still a good idea to paste the item number into PriceGrabber.com and skim through the results. Sometimes you’ll be able to find the product from a private online store for a cheaper price.

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    Depending on the time and day, Amazon will have special sales when you’ll save an additional 30%-40%. This is awesome especially if you are trying to budget your spending. I personally believe that if you give yourself enough time to shop around you’ll be able to find some of the best bargains both online and in stores.

    Final Thoughts

    Start by utilizing the methods above to find bargains for Christmas and I guarantee this year you’ll be able to save a lot of money. If you give yourself enough time you can still purchase great gifts for a lower price without jeopardizing quality and meaning.

    Featured photo credit: 5pointsblue.com via 5pointsblue.com

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    Rizvan Ullah

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    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.

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    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.

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    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.

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    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.

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    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.

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    Featured photo credit: Pexels via pexels.com

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