Tips for stretching your holiday budget
How about you? Do you plan and save for the holidays? Or do you just strike and end up paying off the holiday bills as they arrive? – Here are some tips to help you wrap up your holiday spending without overspending.
Make a spending plan – Start with a realistic idea of how much you can spend on all your holiday purchases. Make a list of everything you usually buy, from the gifts to food to entertainment to travel expenses, and tally the costs.
Know your limits – Not many can afford to shop carte blanche, so don’t try! Make a list of gift recipients and decide how much you want to spend on each person.
Specify a limit – If you don’t budget and set a specific dollar limit, then your spending grows and grows and grows. In January you’ll be horrified by how much you’ve spent.
Track your spending – You’ve made a spending plan — great! But if you don’t keep track of all your purchases and make sure you’re staying within your budget, you’ve wasted your time.
Shop with a list – Know what you want to buy, and go to the store with a list. You can zip through the stores faster and are more apt to avoid impulse buying, when you have finished shopping, stop.
Shop early – The best window for holiday shopping is between Oct. 1 and Dec. 1, don’t wait until the last minute. Give yourself time to compare prices and find the best deals.
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Be an educated consumer – Comparison-shopping stretches your holiday funds further. Take some extra time to find the best deal before heading off to the stores by scouring catalogs, sales advertisements and the Internet.
Load up your wallet with cash – Leave your credit cards at home. “Spend cash”. This will force you to budget and make overspending more obvious. People spend up to a third more when paying with credit instead of cash.
If you must use plastic – Deduct all your purchases in your checkbook register. That way, when the bill arrives, the money will be in your checking account to pay the bill in full.
Use credit cautiously – Shop with no more than two credit cards – preferably zero to low-interest rate credit cards, not the expensive department store cards. The more cards you use, the harder it is to track spending.
Beware of sales pitches – Don’t shop under the influence of holiday excitement. Retailers work hard to entice you to buy, buy and buy. If you’re not careful, you’ll spend more than you planned.