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Five Holiday Shopping Tips on a Budget
With the holiday season here, use these pocketbook-friendly tips to enjoy gift giving without the shock to your budget in January.
- Make a list of all the people you need to buy for.
Include the dollar amounts per individual. If the grand total is more than you expected, consider cutting back. Take your list to stores while you shop.
- Shop online.
Some retailers offer free shipping. Besides avoiding the holiday rush, you may be able to take advantage of some great deals.
- Stock up on presents in January.
Take advantage of after-holiday discounts and clearance items for next year. Besides gifts, this also includes gift wrap and greeting cards.
- Make personalized gifts.
Get creative. Make baked goods, frame pictures or give coupons for services such as babysitting. There are also Web sites where you can make anything from customized T-shirts to calendars, which are a great way to use children's artwork.
- Start grocery shopping early.
If you are putting out your family's spread, buy non-perishable items on sale and prior to the big event. Take advantage of store brands, and stick to a list. This year, take note of what you use and what you don't, and next year, avoid any excess.