Pennies, Nickels, Dimes, Quarters, Dollars, Yen, & Euros make up the evil lil thing called Money. At the end of each month I try to do a post about the money I saved this month. I do have a Math Bachelor’s degree so I’ve been trying to parlay it into helping people in one way or another. This month & the next are going to be hell with spending. Everybody’s budgets are going to be stretched this month due to the holiday season, including mine. I’ve spent so much money getting ready for Christmas already. Thankfully I get paid tomorrow. *Sigh of Relief*. But I did do a few things to save some extra pennies & noticed a few traps of the holiday season that I’d like to share.
1.Sales Filer Deals: A sales filer in the newspaper may say “Lowest Prices of the Season” but there is a possibility you can get things cheaper. If you’ve found out you are hosting the Holiday dinner this year & need to decorate…well choose to go to Target, Walmart, Kmart, Walgreens, Rite Aid, Home Goods, Michaels for lil extra trimmings. I know labels can be important to people but if it isn’t save a lil money on that table cloth or wreath.
2.Store Credit Cards: People usually cringe when you say, “Just Open another Credit Card” because all those credit score commercials can actually be scary. BUT if you are constantly shopping at a store & they do have the offer to get a store credit card AND you’d get more discounts if you use it…well why not get it? Your shopping in the store already a lot, why don’t you use it to your advantage. I opened a Kohl’s Credit Card on Saturday & actually got an extra 25% off my bill.
3.Pay Attention to Your Receipts!!!: We are only human. From personally working retail about 8 years I know sometimes keys on the cash registers stick. Sometimes you’ll swipe your card twice. Other times you’ll see one price on the rack or shelf & it will ring up as another price. It happens, it’s nobody’s fault, but it’s good to be aware of “What your buying” & “How much it cost”. Make sure to check your credit card bill too for duplicate charges.
4.Make a Christmas or Hannukah List for People: The urge to just buy things gets the best of us. The act of buying can be Sooooo Much Fun!!! But if you keep to a list & try to not steer too far away from it, maybe you won’t Over spend.
5.Interest Free: These words are beautiful to hear. When people make big purchases like TV’s, Dishwashers, Gucci Purses, they are tempted to choose a payment plan so they can pay a little bit each month. That’s such a great concept. I recently bought my laptop & payed it off Interest free in about 5 months. NOW, here’s the catch. Make sure you can pay for your big purchases in the Interest Free months because if they are not, you will paying an additional percentage to your payment each month after the interest free zone is over.
6.Coupons: I have free Kohl’s cash because I shop there frequently. I give the sales associates my email address for further coupons in a lot of stores. I know Kohl’s has it, Bath & Body Works, & Victoria Secret. Getting coupons in the mail for nothing rule.
7.The Minimum Payment : Just paying the minimum sounds great. But if your credit card takes on interest every time you don’t pay a certain amount, you will be paying extra money that you may not have in the future.
Those are just a few things to get the ball rolling for you. It seems like people just do what they got to do in the holiday season & forget about the bill. Make sure you can enjoy your holiday without extra worry.
I'm trying desperately to eliminate any stress I can for the holidays. I actually recommended to my mom that her, my dad, & me do our little Christmas together on Christmas Eve night so we can enjoy each other. I'm an only child too so it's really just us in the house. We run around to everybody else on Christmas so we don't get a non-tiring minute to ourselves. She agreed that Christmas Eve night would be for us. It made me happy.
Yes, I'm trying to be festive. I even wore red today & lil earrings that looked like snow. They were actually only $2.45 marked down in Kohl's. They look wintery so God knows why they were out in the summer. Here are the earrings...I think Snow...no?
Good luck everyone with the sales, the shopping, & the madness. I hope maybe one of those tips can help ya!