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Some people are still paying for what they spent last year on Cristmas gifts. Using your credit card to put you deeper into debt is not a wise thing to do. This year if you can’t afford to pay cash for your gifts, then simply do not buy any.

My wife & I start buying a lot of gifts at the beginning of the year. Especially after the Christmas Holidays when most items are drastically reduced in price. So the first way is to buy early and throughout the year.

Before you buy anything determine who you are going to buy for and what item. Make a list and try to stick to it.

Many companys offer discount coupons on line. You can log on to their website and print out the coupon on your computer. Some companys sell products cheaper online. One place is GiftCardRescue.com or GiftCards.com.

Some companys even let you try to get a discount using a “chat or Live button” online.

Another way to save oney is to see if you can buy the item using discount codes. Try going to these sites to log on to find discount codes. ReatailMeNot.com, SecretPrices.com and Free Shipping.org. One way to stay organized is to put the money and any information about the gift into an envelope for each person you are going to buy for.

Don’t fall for any promotion a store will offer to give you a percentage off your gifts if you open one of their store credit cards. In the end the interest rate of the card will probably be much greater than the discount they are offering you.

Buy only the gifts you intened to buy before you started your day. Resist that great deal for something for your self. stick to your plan.

Posted on December 8th, 2010 at 08:14 by Alex Smith in Uncategorized - Comment (1)

1 Comment leave a comment
  1. I’m a little bit uncertain with your first point, which is to buy the gifts at the start of the year. LOL. But it is a good option. What I think should also be effective though is to start earning and saving enough money for Christmas gifts at the start of the year, especially if you already have an idea who you’re going to give the gifts to.

    Comment by Locke � January 28, 2011 @ 12:22 am

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