It’s easy to get lost in the gift-giving extravaganza once the holidays roll around. You want to make sure you outdo last year’s presents with even better and bigger gifts — we get it. But this kind of thinking will have you spiraling in debt before you know it. To keep your relationships and wallets intact, make sure you take the time to become a smart holiday shopper. Quality Credit Repair, the leading debt relief company in Philadelphia and surrounding areas, is offering tips on how to make this season’s holiday shopping stress-free.
Who’s on Your List?
All good shopping trips start with a list and a budget. Before you can even think about going shopping, you have to figure out who’s on your “nice” list. Write down the names of all the people you’re planning on purchasing presents for. This can include family members, dear friends, close coworkers, respected service professionals, next-door neighbors, etc. Just remember, this list can get very long if you include every person in your life.
Budget, Budget, Budget
You may be tempted to go all out for everyone on your list, but that can get very expensive. That’s why we always stress the importance of budgeting. Take a look at your finances and decide how much you are willing to spend on holiday gifts this year. Then break down that number for each person on your list. The spending limit for each individual doesn’t have to be the same, but you should write down this number next to their name, so you don’t forget.
Make a List and Check it Twice
If you think you’re ready to head out and start shopping, think again. Before you hit the stores with nothing but a number in mind, take the time to come up with a few gift ideas for each person. You may be able to think of only one big gift or a few little gifts. This doesn’t set your gifts in stone, but it does make it easier to stay within your spending limit for each person.
Avoid Temptation
Now you’re finally ready to shop. However, try to avoid temptation as you’re browsing around stores. Retailers will often lure you into buying more than you need with special sales. That’s why you have to stick to your list of ideas and spending limit for each person. You might also consider online shopping, so you can easily compare prices and reviews if you have that kind of time in your hands. If you’re really dedicated to being a savvy holiday shopper, you’ll utilize a cash-only system, so you don’t overspend on your credit card.
We hope these tips will make your holiday shopping a little easier. However, don’t worry if this season’s holiday deals get the best of you. You have the best credit repair clinic on your side. Contact Quality Credit Repair today with any questions and concerns at 888-399-3898.