Can you believe it’s October already? Christmas is fast approaching and it’s time to start thinking about starting our Christmas shopping (well, except for some of the super organised amongst us who probably started months ago!)
Every January finds me hyper-ventilating when I receive the credit card statement and it finally dawns on me just how much I spent on shopping for the festive season – and every January I swear that I’ll keep a better handle on it next year.
Well – this year I’m going to stick to that promise and this is how I’ll do it:
- Make a list. Write a list of everybody that you need to buy a gift for an assign a budget to each so that you know what your total spend will be. This will help avoid any last minute panic.
- Shop gradually. Spread your purchases out throughout the year (or at least the last six months) so that you can maximise on bargains. Leaving all your shopping until the last minute usually means you pay more as you don’t have time to wait until the items you want are on sale – as well as a huge amount going on your credit card all at once.
- Use Layby. Take advantage of the long lay-by offers that many of the big stores give in the lead up to Christmas. This enables you to pay off the item/s over a few months hence making your bank account look a lot healthier!
- Look Online. Browse online auction and sales websites for cost-effective gifts. Some goodies to check out are eBay, DealsDirect, OO and Always on Sale. Remember to take any delivery costs into account when making a purchase.
- Check out Your Local Market. Spend some time re-discovering your local market for different and quirky gifts. You’ll be amazed at the hidden treasures that you could uncover.