Just because Black Friday is over doesn’t mean that your holiday savings opportunities are over as well. In fact, you don’t need super sales to save money. Here are some helpful tips to help you stay out of debt this Christmas!
• Set a Budget: To avoid spending too much on Christmas gifts, decide on how much you want to spend. Take in to account everything from the cost of postage to the cost of boarding your pet while you’re away from home.
• Make a List: Think of everyone you want to buy gifts for and settle on a specific amount per person based on your budget. Don’t be afraid to change a gift idea if you don’t have enough money left in your budget.
• Pay Cash: Limit the use of credit cards to purchase your holiday gifts. Use cash as much as possible to avoid splurging.
• Don’t Forget About Yourself: Make sure to add yourself to your shopping list to avoid going over your budget. That way if you see that “must-have” item out in the store while you’re shopping for someone else, you will have the money in your budget to purchase it.
• Don’t Overlook the Value of Intangibles: The best gifts are the ones that come from the heart, whether they’re pricey or affordable. Remember the reason for the season! Sometimes handmade gifts are the most special. For some great ideas, check out Pinterest for great craft and recipe ideas.
• Send Free Christmas Cards: Instead of buying Christmas cards to send out to your loved ones, choose to send an e-card instead.
• Think Outside the Box: Don’t only think about shopping for Christmas presents. During the holidays, both cruise companies and bridal shops are in their off-seasons and offer great deals!
Another way you can save money is by calling Westgate-Jones Insurance Agency at 352-787-7548. Because we work with many different insurance companies, we can shop around to find the best insurance policy for you. Whether you are in need of personal or business insurance, we are here to help! Check out this amazing story of how we were able to save the Shelton family a ton of money!