The season of holiday shopping is here, and so is the inevitable financial stress— but don’t panic! We’re here to help you conquer the chaos and take control of your finances, so you can give great gifts and feel great about what you spent.
Budget the Day Away
The first step for tackling the holiday shopping season is setting a budget. Your budget sets the tone of your whole shopping game plan— what presents you can buy, which deals to look for, which payment type to use, and more.
Sure, you’ve probably heard the spiel about the importance of budgeting before. It can sound a bit intimidating or overwhelming at times— but it doesn’t have to be! Check out some of our budgeting services or ask for budgeting help from one of our representatives to make this daunting task easier. The internet is also laden with websites and programs that can do the budgeting for you. Find what works best for you— set up a spread sheet, scrawl it out in a notebook, or iron it out online. Find your budgeting flow.
Sit down with a nice hot cup of cocoa, wrap up in a cozy blanket, and budget away. Make a night of it and feel confident in your ability to get your finances together. You’ll thank yourself in the end.
Pick Your Weapons of Choice
Our advice? Check out our personal loans! We’ll help you to fund your shopping and pay it off responsibly. We understand that our members have a lot of Christmas cheer to spread, and we want to help you do it.
Start Your List, Check It Twice
Santa isn’t the only one who should have a list. Get a pen and some paper and write down everyone you want to give gifts to this season. Determine how much you can spend for each person first, then brainstorm gifts for each of your names. This is the fun part! Put on Santa’s hat and think of creative ways to spread cheer to your favorite people.
If you find yourself spreading your budget too thin, go back through and adjust the names on your list and the spending amount. Remember, not every gift needs to cost money— don’t underestimate the joy that a homemade gift or a good deed can bring to Christmas Day.
You have your gift list, now you need to perfect it. Browse the internet to get an idea of the deals that will be happening near you, either in store or online.
Compare deals you see for the same item across stores and websites— one company may be selling the item for significantly less than another. You deserve the best deal. Put in the work to find out which stores are promoting the best sales, and make sure the item is still in budget after you factor in taxes or shipping costs.
Now that you have a budget, a list, and a plan, you are all set to shop responsibly this holiday season. The holidays are a time for joy; don’t let your finances stress you out. Instead of panic-spending and budget-breaking, take some time to prepare and research your options, like low-interest credit cards or holiday loans. You’ll be happy you did, especially when both the people on your gift list and your wallet are thanking you.