How do you simplify your holiday shopping and be free of additional debt?
the average family will create enough credit card debt during the holidays it was not until the following May to pay the bills! Tweet This
There are a cheaper way for families to survive
Here are some simple tips to save big and simplify your holiday shopping: .
Whenever you can spend less and save more for holidays happier!
I have followed similar steps in our family for the last two decades and I can honestly say we have never been further debt during the holidays. Our family had a minimum of stress at home and as a result, we really enjoy this time of year.
1. Strategize
Decide what gifts you want and match them with sale ads. Check items to your gifts list and note special limitations (ie cost effective only for three hours, limit two per person).
Awesome Note is an application to help. Prioritize the stores you shop within limits and values. If you can not decide whether prices are rising or falling, decide.com can give you an update if this is the best deal or not.
2. Shop for comparisons
Once you find the make and model of a gift you want to buy, do a search with Bing, SlickDeals or MySimon. When you find the best price, print and take to your local store to see if they will match the price.
To compare prices on your smartphone, get the coupon Sherpa application or Yowza app, which will help you find the codes and prices for your area.
3. Save Online Shopping
For online coupons, codes for free shipping and coupons, go to RetailMeNot, Dealhunting or CouponCabin.
4. Divide He
Follow the rule of divide and rule by shopping with a friend or your spouse. If there are multiple purchase discounts, such as "buy two and get the second at half price" or a special two for one, you can go together and split the savings, taking advantage of the offer.
5. Send by cooking
My children help me early in the season for various sweetbreads to freeze. When it comes time to give gifts to teachers or friends, we connect breads with raffia, cranberries, and voila!
These donations taste and save money.
6. Specify
during year, set aside a specific budget "cash" each month to use for the holidays. Do not use credit cards unless you know you can pay at the end of the month.
7 . Stick to your guns
Please note that you may be tempted to continue to buy, even if you have already won your list. You can go broke saving money, so stick to your budget.
8. Simplify
When my husband and I had five babies in the first seven years of marriage, we came up with the "rule of three gift." We chose three yet beautiful simple gifts per child.
9. Supervise
Take young children to the local Dollar Store to shop for friends and family. Give them a budget and money appropriate, then let them choose.
10. Steal It
Set aside money for after-holiday sales. You can often get non-perishable gifts for the list of next year gift of 50 to 75% off retail is practically a bargain!
Now that you have some strong measures in place to de-stress during the holidays and spend less, let's look at some ways you can do for this time of year more special for others in your home, the community and the world.
As you look at these ideas for special gifts, try to incorporate friends, family, or even your children in the donation process. I know our children were raised with an awareness to help others in the world and continue the tradition as young adults.
Now that the trouble to give an inheritance.
gifts that give a lot and Petit cost
Adopt a parent -. Start a round tour of a judgment or a person in a nursing home who has no other family nearby Year
Coupon Booklets - Give your family member a coupon book with the things they love most :. a hug, a back massage, a walk in the woods, a clean kitchen without complaint, or a date for coffee and talk
acts of kindness - Ask a mom whose spouse is deployed, and children, to spend a holiday evening with you or offer to watch her children while she shops. Clean your neighbor to court old or offer to help decorate for the holidays
A Gift of Life -. Adopt a third child in the world as a child sponsor on a site such as Compassion International worldvision.org or .org.
Bake for other Why not bake a loaf of bread surprise for someone who is not normally noticed as a cashier at the dry cleaners or a guardian of the basic gate? There is a great feeling to reach out to those who are neglected and it is also an incredible lesson to teach your child
Toys R Us -. If your child tends to be more gifted too -eager-to-please grandparents, so why not consider spending a gift or two to another child in your community who might need more
Smiles, Kind Words, laughter - Have you ever noticed how busy salespeople, waitresses and postal workers during this time of year? The next time you're waiting in line to speak a single word of encouragement to someone else like "I want your necklace" or "You have a great hair day!" You may be the only person who was kind to them that day
What gift will you give to this festival to make life better for someone else
photo credit:.? Stuck in Customs via photopin cc
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