Smart Holiday Shopping

Smart Holiday Shopping


Many people tend to forget or forgo their financial plans during the holiday season for the sake of their loved ones. However, there are a few simple financial rules that can help you get the most bang for your holiday buck.

- Set your budget before you turn the computer on! It is very easy to get carried away. Try to make a list of exactly what you are looking for before shopping. Know your limit.
- Google offers a “Google Product Search.” This search is designed to find a particular item at the lowest price, taking a variety of retailers into account. Don’t forget to factor in shipping! Sometimes a low price on an item may end up being offset by a costly shipping fee.
- Websites like http://www.retailmenot.com list coupons and web deals for thousands of retailers. You can simply search for an item or a specific store.
- Keep an eye out for “free shipping” specials. Sometimes buying two of an item and receiving free shipping will result in a lower total cost.
- Check Facebook and other social media. Smaller and local retailers often post specials and coupons that can be used to save money.
- Don’t inadvertently blow your budget by purchasing things for yourself! If you find items you want, add them to your own holiday list.
- When shopping online for out of town relatives, it is generally more cost effective to have the item shipped to them. The alternative of having it shipped to you and repackaging it results in paying shipping costs twice. Plus you can usually have it shipped wrapped as a gift with a gift receipt.
- Shop early so you have plenty of time to use the lowest cost shipping. Waiting until the last minute can cause you to need express shipping, which can be very expensive.
- Keep your recipient in mind. Check the return/restocking policy and be sure to include a gift receipt.
-And as Jody Robinson puts it, "...shop local independent businesses where your money reinvests in
the community!"


Above all, Try to remember that the holiday season isn’t all about exorbitant consumerism. Focus on family, and don’t forget your budget!