The holidays are always a time of celebrating with family and friends. Along with the joyous occasion, most of us face the task of buying gifts for our loved ones. Due to the current economic climate, this holiday season more people are in a financial situation where they have to buy gifts on a limited budget. If you are one of the millions of people who are on a tight budget and want to save money when buying gifts, there are a number of ways you can purchase great gifts without breaking your budget.
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Below are some tips on what you should avoid when you are pre-holiday shopping:
Avoid Using Your Credit Card: Many people will use their credit card to buy gifts. As the purchases accumulate on the credit card, they will be in for a shock when they get their credit card bill. As well, they will have to pay enormously high interest for their purchases. To avoid an expensive credit card bill, it is important to pay for your gifts using cash or bank debit card.
Avoid Paying Full Price: If you see the item you are looking for and it is not on sale, hold off on buying it to see if the price drops at a later date. Since retailers know people are going through difficult economic times, they are offering deals, much earlier than in previous years, on their products in order to compete for your business. For instance, many retailers will drastically cut their prices as Christmas Day approaches. When shopping, it is important to avoid impulse shopping.
Avoid High Prices, Look for Special Sales: To get a great deal on an item, it is important to check out retailers fliers, advertisements in the newspaper, and online special discounts and coupons. To keep consumers buying, businesses will often offer additional discounts and deals on products.
Avoid Limited-Time Deals: Many retailers will try to encourage impulse buying by offering limited time deals. They will often advertise these deals as a limited-time special to lead consumers to believe if they don't buy the item, they will not be able to get a better deal somewhere else. Although the deal may seem irresistible, chances are in a week or so you will see a retailer offering the same or an even better deal at a much lower price.
Avoid Shopping for Gifts in stores or on line With Poor Return Policies: Every year, millions of people will give and receive items that are not the right gifts. This results in many people heading back to the retailer to return the gift. It is important to buy items from retailers with a good return policy such as a 30 days for a full refund. When buying electronics, make sure you read the return policy as they can vary from retailer to retailer.
Holiday shopping does not have to put you in debt. With a budget-friendly shopping plan and knowing what to avoid when gift buying, you won't be duped into buying expensive items and your holidays will be even more joyous.
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