Holiday spending season is right around the corner and if you’re like most people, especially in South Florida you’re dreading it. Not only are we dreading the lines, the traffic and hearing “we’re sold out,” what you might be dreading is the feeling of your finances being tight around the holidays.
Holiday time shouldn’t feel like that though. It should be a happy time you get to spend with family and enjoy all the festivities that come with it. We’ve put together some simple tips to help you jumpstart holiday spending in South Florida.
It’s never too late to set aside money for a rainy day…that day being the holidays. From now until then, set aside some money in a separate fund that you can use for upcoming holidays purchases. The good thing about opening this account now, is that you’ll have it so that you can set aside money all year long for the upcoming year.
Set a Budget
With any major purchase or purchases take a look at your finances and create a separate budget from now until the holidays. If you don’t feel totally comfortable with taking the money from your paychecks, it’s still safe to sit down and assess how much you’re going to charge on a credit card. They’re very easy to just keep swiping, so setting a limit and estimated payoff time might be very beneficial, especially going into the New Year.
Chances are you’re like the rest of us and have a separate email just for all the promotional emails and if you’re aren’t, you’re welcome. When you’re getting ready to purchase gifts don’t forget to check your email so you can get every deal you can as well as know where to shop to apply coupons. Don’t forget to also check out websites such as RetailMeNot.com for promo codes or special deals stores are having that you might have missed.
Shop Around & Price Match
Shopping around and price matching can be a big money saver around the holidays, especially when it comes to those big ticket items. It’s becoming more and more common for retailers to price match competitors as well as their online prices, so keep this in mind when shopping. Another helpful tool when comparing prices is Google’s shopping feature which shows local pricing as well as nationwide pricing from different retailers to help you compare store to store.
Remember the holidays are about being together and enjoying the people around you. Gifts can be bought, but enjoying the moment is priceless. Start with these simple tips, but know that gifts aren’t everything. Enjoy the upcoming holidays no matter what items have either been bought or held off for another occasion…because don’t forget about birthdays!