Holiday Shopping on a Budget! 3 Ways to Save In the Midst of Holiday Spending

This is the time of year when people lose control of their finances and go a bit crazy on holiday shopping because of all the sales and deals going on out there. Heck, I know personally I have been encouraging you to shop by sharing the Black Friday and Cyber Monday deals. Those special events often last almost a week apiece and it does seem to encourage you to “keep on spending” when you really need to take a deep breath and look at what you have bought — and how much you spent!

Courtesy of  Orange County’s Credit Union, the “listicle” below is all about how to get your spending under control The consumer-friendly tips from Orange County’s Credit Union can  help you navigate the holiday shopping craziness and still save!

 

 

 

3 Ways to Save In the Midst of Holiday Spending

 

Saving during the season of giving – doesn’t that sound ironic?

Although many look forward to the holidays, no one looks forward to expenses that the season entails. From spending money on gifts and shopping for ingredients, to incurring travel costs visiting family and hosting a pricey party, there is no doubt that this time of year is expensive for all.

According to Orange County’s Credit Union, it is possible to keep saving even while increasing your expenditure during the most wonderful time of the year. Here are three ways you can give to everyone, including yourself:

A Budget for Others (and Yourself)

 

It’s well known that holiday shopping is expensive, and sometimes, you can find yourself getting out-of-hand and over, over-spending. Setting a budget in advance on how much you plan to spend will reduce stress and anxiety, give you control of your finances and allow you to reach your goals.

Whether you set a budget plan all on your own or with a partner, create a spending plan, examine your net income and study your expenses. You’ll have a better idea of which expenses are fixed and which are variable. The variable expenses can be adjusted month-to-month, so this is where you’ll find that spare money.

 

 

Setting a budget will give you an idea of how much you plan to spend on each family member or friend and how much you want to leave yourself with.

 

 

Make That List and Check It Twice

 

Making a list to forecast the expenses you will be incurring during the season is essential if you’re looking to save. Not only are you seeing upfront what the costs are looking like, but you’ll also have an opportunity to nip costs and keep yourself in check before making those impulsive purchases.

From travel expenses and gift shopping to party decorations and holiday outfits, you can find you’re forgetting about one thing or another without a solid list. A perfect example includes gift wrap. You have the costs of the gifts accounted for, but did you remember to include that $50 additional spend when you found yourself adding wrapping paper, boxes, ribbons and tape in your cart?

 

 

 

 

Making a list helps in limiting the amount of spending on each person and avoiding unplanned purchases, while still giving yourself a little gift of extra cash in your pocket.

 

Be Pre-emptive

 

 

Holidays involve expenses that could have cost less with better planning.

Traveling, hosting parties and cooking meals can all be an expensive cost. If you find yourself getting into any of these situations, plan early!

With travel, the earlier you plan the more opportunity you have to keep an eye out for deals and conduct some comparison shopping. Waiting to the last minute is never a bright idea as you’ll find yourself not-so-jolly paying the highest prices for last-minute bookings.

If you’re hosting a party, decorations are a necessity if you’re looking to create a festive feel, and this means you can find yourself spending a pretty penny unnecessarily very quickly. Instead, try going through boxes of decorations ahead of time to see what you will need to repurpose or replace. If you find you need to replace items, look through magazines or Pinterest to do a little DIY decorating.

 

 

Christmas is the holiday known for the season of giving. However, you should not put yourself in an uncomfortable financial situation just to impress others. Give from the heart and you’ll find you can still have financial peace-of-mind despite this expensive holiday season.

 

Thanks to Orange County’s Credit Union for this smart and insightful piece.

Stevie Wilson,
LA-Story.com

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Author: Stevie Wilson

Digital and social media pioneer and visionary meets disruptive innovator with a passion for topics and conversations that reveal insight into the So. California lifestyle. LA-Story.com appeals to a global audience (from Asia to Africa; Middle East to Europe, No. America to Latin America) in variety of topics and sectors: style (beauty and fashion), health & fitness, entertainment (movies, TV, books, music and more) ; food, beverages & spirits; IT Security + tech , travel, special events (red carpet to green carpet) I am known for interviews ( podcasts , textual and video conversations) with notables, celebrities and companies about interesting products & brands; profiles about places that reflect the So. CA vision and special events (Oscars, Golden Globes, Emmys & other events that illustrate celebrity , athletes and home-town "stars" lifestyle and initiatives.) that illuminate the insider's perspective of So. California's lifestyle . Learn what's hot in Los Angeles, NYC, MIami and stops closer to home that make this blog a must-read because the voice, attitude, authenticity and ability to grasp the essence of most sectors, brands & products make it easy for consumers to earn what makes a brand, initiative or product unique - whether, food, fashion or finance (or any other topic "on the table") With 15+ Years online launching websites, online magazines, forums, products & brands, my voice, authenticity and ability to grasp the essence of most sectors, brands & products make it easy for me to share what the online audience and consumers alike want to learn- how to shop, live and reflect the lifestyle they wish to emulate. Need to leverage digital and social media space? Reach out to me!

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