Post – by Jennifer Frye

Start Now: 5 Easy Ways to Save and Spend During the Holidays

Start Now: 5 Easy Ways to Save and Spend During the Holidays 1

Do you know that the first two weeks of October is when most adults begin holiday shopping? With an increase of steady employment, holiday sales are expected to grow. For instance, according to the National Retail Federation, it is anticipated that shoppers will spend $3.1 billion will be spent on Halloween costumes.

However, as holiday sales increase this year. Now, is the time to start planning (if you have not already) how much you are willing to spend.

Maintain your budget goals and stick to them this holiday season using the money saving tips below.

  1. Create a spending list. What items are most important to buy? How much can you afford to pay? These are a few of the most important questions to ask yourself, then create a shopping list with the budget totals next to the items. To help get started, print this helpful 28-page holiday planner that includes a budget tracker, DIY gift guides, and weekly to-do lists throughout the holiday season.
  2. Put money away into a savings account. Open a savings account just for holiday shopping to start adding money to meet your holiday shopping budget goal. Schedule weekly or bi-weekly transfers from your checking to savings account.
  3. Use layaway services. Make small payments on purchases over time. Several major online and department stores provide layaway services. Here are the basics of layaway services and the questions you should ask before using it.
  4. Take advantage of price matching. Large brands such as Target, Walmart, and Home Depot, will match the price of items that are offered by a competitor. Learn how price matching works to save on costs.
  5. Use gift cards. Do you have any gift cards that you have yet to use? Consider using them toward your purchases on gifts and other holiday needs.

Follow these simple money saving tips to start preparing for holiday shopping whether it is online or at the store. We want to hear from you, share with us on our Facebook page what your holiday shopping plans are this year?

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