Though it might feel like fall has just arrived, it’s never too early to start getting your winter holiday financial game plan in order. The holidays are just a few months away, and many Americans will be going into debt to pay for their seasonal cheer; Freedom Debt Relief Reviews has found that, according to a Gallup poll, the average American will spend about $750 on the holidays this year. Extra seasonal spending can quickly add up and take its toll, especially if you’re already trying to pay down a debt.
Though winter still may be a few months away, now is the time to start getting your holiday spending plan ready. Freedom Debt Relief Reviews has gathered the best tips from around the web to help you save this season- without sacrificing any of your holiday spirit.
Plan ahead. Freedom Debt Relief Reviews has found that the best thing you can do to save money before the holidays is to plan what you’ll be spending ahead of time- this will allow you more time to find sales, wait for items to appear discounted on eBay, make your own gifts, and skip the priority shipping rates. Starting now, try to make a list of everyone you need to buy for, and consider getting a jump start on your shopping- you’ll save money, and you won’t have to fight through the crowds!
Cut down on unnecessary spending. Do you find yourself constantly going into debt during the holiday seasons buying gifts and decorating your home? Now that you’ve taken the time to start thinking about your budget before the holidays have actually arrived, you can better budget for what you’ll spend in advance. Freedom Debt Relief Reviews suggests sitting down with your budget a few months before your preferred winter holidays, and looking at where you can afford to cut down. For example, if you spend $10 a day eating lunch with your coworkers, packing just three times a week for two months will leave you with an extra $240 to spend on holiday cheer! Search in your budget for nonessential expenses, and look for where you can temporarily cut back and save more money.
Shop smart online. While you can find some amazing bargains shopping online, make sure you follow best practices when it comes to protecting yourself and your identity online. Only shop on secure sites, and change your passwords regularly to avoid identity theft and to keep your accounts safe.
We also recommend searching for promotional codes before committing to any purchases online. Sites like Retail Me Not call the community to list promotional codes that can save you money at checkout, and Google Chrome toolbar extensions like Honey will even do the work for you and automatically apply any promo codes it finds online.
Give the gift of handmade. Handmade gifts are endlessly more sentimental and thoughtful than anything bought from the store could ever be- and they put much less strain on your wallet and credit card. If you have a special set of skills, making gifts can be an amazing and budget-friendly way to show that you care this season. For example, if you run an Etsy shop or you sell something handmade, try creating personalized gift baskets for people you know. Alternatively, you can create a personalized coupon book offering services to those you love as well- many people would appreciate a free car wash, night of babysitting, or home cleaning.
Freedom Debt Relief Reviews knows that avoiding getting caught in the rush of holiday spending is difficult- but luckily, it’s not impossible. By taking time to plan in advance, saving where you can, and taking the time to shop in advance and search for bargains online, you will be on the way to a holiday full of more love – and less debt!