As the holiday season approaches, you may find yourself stressed out about all of the gifts you want to buy for your loved ones. Come out on the other side debt-free with these tips:
- Save Every Day: Create a larger holiday gift budget for yourself by saving a little bit every day. You can do this by incorporating simple habits into your everyday life, such as turning off and unplugging electronics before leaving your house for the day, and bringing your lunch to work instead of eating out. Extend your savings even more by creating and sticking to a shopping list each time you go grocery shopping. Best of all, you can keep up these habits and continue to save, even after the holiday season is over!
- Search for Deals: Don’t be afraid of using coupons and store rewards to save on your purchases! It’s also helpful to do a little research online before shopping for your gift items and scout out the best store to buy your gift at. Many online retailers offer free shipping and buy-one-get-one deals around this time of year, as well!
- Use Cash, if Possible: Using cash will help you stick to your budget, and avoid the temptation of using credit to make your purchases, overspend, and regret it later. To take it one step further, make an envelope filled with the money in your budget for each person on your shopping list.
- If Not, Use Rewards Cards: If you have to use credit cards to make your holiday purchases, try to use ones that offer cash back or other incentives. Earning back some cash for yourself is the way to go - after all, you deserve to treat yourself as well this holiday season!
For more tips, check back into the Woodlands Apartments blog all season long.