Keep your sanity, maintain your budget and enjoy a happier gift-giving season with these easy-to-follow shopping tips:
- Set Limits. Ask your friends and family to set a dollar amount on the gifts exchanged. This is an effective way to ensure you and your loved ones don’t splurge. It’s also a great way to maintain your budget when buying for a large family and a lot of friends.Likewise, consider a holiday gift exchange. Ask your family or friends to write down a few gift ideas. Set a purchase limit. Then, exchange names. This helps keep your shopping time to a minimum and everyone can walk away with something they really wanted.
- Plan Ahead. Sometimes we wish we had a little more money set aside for the holiday season and we usually do not think about it until we start shopping. Next year, with a little disciplined effort, you could set money aside each month specifically for holiday shopping. If you are forgetful, there are accounts that do this automatically for you. With an Apple Holiday Club Account, you can set it up with as little as $5.00 and have the deposits set up at any dollar amount you want. Come November first, all the funds get deposited into your account.
- Shop Smart. If you are still working with limited funds, you may find yourself reaching for a credit card to make all of your needed purchases. Not to worry. You can use your credit card to your advantage too. Look for a fixed-rate credit card with a reasonable credit limit, like Apple’s Student Visa® Credit Card. Options like this help you build credit which is really good for your future. Just make sure you choose the right card for you.
No matter how your plan to tackle the holiday season, always remember the purpose of the holiday season is to have fun, relax and spend time with family and friends — not stress out.