Expert Tips to Save Money during the Holidays

The holidays are upon us, and while it might seem like right now you have plenty of time to get all your shopping done, you’ll soon be scrambling to find something for everyone on your list. Not only will you be stressing out about getting everything done, but you’ll also be stressing out about how much you are spending.

expert tips to save money during the holidays

You don’t have to blow thousands of dollars to spoil the people you love for the holidays. You can save a lot of money if you plan ahead and consider some alternate options for your gift giving. Here are some ideas:

Get a Loan

A lot of people end up putting their holiday shopping spree on their credit cards, which means that they end up paying for those gifts the rest of the year (and maybe even years after). The high interest rates that credit cards charge can make the cost of that bargain gift double or triple what it was at the store.

By getting a loan, you can get the money you need for shopping and pay a lower interest rate. Car title loans in Boulder City are based on the equity you have in your vehicle, and they offer low interest rates. You can get a lot of money fast, and you can pay off those expenses much faster than you would a credit card bill.

You can also use car title loans to consolidate your other debts and free up money for shopping. With a single monthly payment and a lower interest rate, you won’t spend as much each month on debt repayment. You will have a little extra money each month that you can spend on gifts instead of having to use credit cards to shop and hike up your debt.

Shop on Sale

Of course, the easiest way to spend less on your gifts is to limit your purchases only to what is on sale. The day after Thanksgiving is a perfect time to shop since retailers drop their prices dramatically or offer steep discounts.

However, you can find many other great sales throughout the holiday season if you are diligent. You can also shop the day after Christmas for items that you can give the next holiday season.

Shop on Consignment

You don’t have to buy brand new items in a department store to give a nice gift. Many people end up donating items to thrift that they received as gifts but didn’t want. You can find many items still in the package and in perfect condition. You’ll end up paying a small fraction of the price as you would have if you bought the item new.

You’ll need to be diligent to find great items on thrift or consignment. You’ll need to shop stores regularly and be thorough in your search. Try to go on days that you know the stores put out new merchandise so you have first pick.

Organize a Secret Santa

If you have a large family or a lot of friends, no amount of bargain shopping is going to help you. You will still end up spending an arm and a leg trying to get everyone a nice gift.

You can eliminate this problem by asking your family and friends to participate in a Secret Santa. If you haven’t done this before, what you have to do is put everyone’s name on a piece of paper and put it in a hat or bowl. Then everyone picks out a name and buys a gift for just that person. Everyone gets a gift, and no one has to spend a lot of money.

If it’s easier, you can do separate Secret Santas for separate groups – such as one for co-workers, one for a specific group of friends, and one for family.

Choose Sentimental Gifts

Some of the best gifts are sentimental gifts – and they are some of the cheapest. For example, you can give your mother a great picture of the two of you at a special occasion in a nice frame. Or you can give your wife a plaque you make with your family name or the names of your children.

Sentimental gifts can be very low cost, or they can be something you make yourself. Put real thought into the gift and create something that shows how much you care, and the person will love and appreciate your gift.

You don’t have to spend a lot at the holiday season to show your loved ones how much you care. You can use these tips to save money on gifts while also treating them to something special.

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