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Friday, December 12, 2008

Christmas Shopping Bargains


Everyone knows that the Christmas season is all about giving and that no one should be concerned about how much a particular gift costs, but most of us also have to worry about our budgets while we are doing our Christmas shopping. While there are some people for whom money is no object, the reality is that most of us simply cannot afford to purchase everything we want during the Christmas season. We all have to make some concessions while we do our Christmas shopping and we should all keep our eyes open for great deals. Fortunately, there are a great deal of bargains to be found during the Christmas season.

Finding bargains while Christmas shopping is actually quite easy. Although most stores hold sales throughout the year, just about every retailer offers significant bargains in the weeks just before Christmas. These retailers know shoppers will be out in full force during this time and they offer their best deals hoping to attract a great share of the shoppers. The best way to ensure you are receiving the best possible deals while you are Christmas shopping is to spend some time window shopping before the Christmas season. This will give you a good idea of what types of items are currently being sold and it will also give you a good indication of the prices of these items. This information can be used when Christmas shopping to determine just how much you are saving by purchasing sale items just before Christmas.

When shopping for bargain items at Christmas, it is very important to be aware of the return policy on the item. While you might think the gift is a great idea at the time, you may realize it is not such a good idea later, or you may find a defect in the product and want to return it. However, if there was a “no return” policy on the product, you will not be able to get your money back for the item. Even if you decide to keep the item, the recipient of the gift may not like the item and may wish to return it. If you bought it during a sale where no returns were allowed, the recipient may not be able to return the gift.

There is one aspect to shopping for Christmas bargains which every shopper should understand. It is the simple concept that just because an item is on sale does not mean you should purchase the item. Some Christmas shoppers get caught up in the idea of purchasing a bargain item which has been greatly reduced in price, but it may be an item they do not really need or want. When this is the case, it is a better idea to not purchase the item. You will be saving money by doing this. Think of it this way, you may find a warm wool coat which is reduced in price by 75%. This may seem like a bargain that is too good to pass up, but if you live in a warm climate and will never wear the coat it is actually a waste of money. You may be only paying 25% of the original price but if you do not buy the coat at all you will not be paying anything.

Wednesday, December 10, 2008

Christmas Shopping on a Budget


Although most people enjoy the spirit of giving at Christmas time, it is true that Christmas shopping can be a significant financial burden. This is especially true for those who have a large family or a large group of friends who regularly exchange Christmas gifts. Christmas shopping can also cause financial difficulties for those who feel compelled to purchase expensive gifts for each person on their list. However, there are ways to deal with this financial burden. One of the ways to deal with the financial problem is to set a budget beforehand. Another way to deal with the financial stress of Christmas shopping is to shop throughout the year instead of all at once.

Those who have concerns over the amount of money they will be spending on their Christmas shopping should consider setting a budget before they begin shopping. In order to begin the process of setting a budget for Christmas shopping, it is important to first create a list of all the people you intend to buy Christmas presents for this holiday season. This list should include all of the close friends and family members you typically purchase gifts for, as well as any co-workers or employees you normally purchase gifts for, your mail carrier, or your children’s teachers. You may also wish to budget for gifts donated to toy drives organized by charitable organizations if you typically contribute during these events.

Once you have your list of gift recipients, there are a couple of ways to go about establishing a budget. Perhaps the simplest way is to decide how much you plan to spend on Christmas shopping and divide this amount by the number of gift recipients on your list. This will result in a budget in which you plan to spend the same amount of money on Christmas gifts for each person on your list. This type of budget strategy may be appropriate if you plan on purchasing similar gifts for everyone on your Christmas list, but it may not work out well if you want to purchase something really special for a few of your closest friends or relatives.

Another strategy for establishing a Christmas shopping budget is to determine how much money you would like to spend and then divide the individuals into different categories. Some of the categories you might want to include are close friends and relatives, business associates, acquaintances, and gifts which are purchased for people you don’t know. Once you have all of the members of your list categorized, you can determine the percentage of your total budget you would like to spend on each category. For example you might decide to spend 50% of your total budget on close friends and relatives, 25% of your total budget on business associates, 15% of your total budget on acquaintances, and the remaining 10% on Christmas gifts for charity drives. You can use these numbers to determine the total amount of money you will spend on each category and divide that number by the total number of people in each category to figure out a dollar amount for each person on your Christmas list.

A final strategy for establishing a budget for your Christmas shopping is to start out by determining how much you plan to spend on some of the most important people on your gift recipient list. This will most likely include your closest relatives. Once you set dollar amounts for your closest relatives, it is time to divide up the remaining amount of money in your Christmas shopping budget. This can either be done arbitrarily by dividing the remaining amount in your budget by the number of people left on your list, or you can continue to go through your list selecting a dollar amount for each person until you reach your budget. If there are still people remaining on your list, you will have to either reevaluate the dollar amounts you have already chosen or consider eliminating some people from your list.

Monday, December 08, 2008

Christmas Shopping Online


Typically, when we think of Christmas shopping, we picture crowded malls, difficulty parking, and sales racks in complete disarray. For some people, this hectic chaos is what Christmas shopping is all about and they would never consider trying to avoid the hustle and bustle of the Christmas season. For them, it is a very important part of the Christmas season. However, for shoppers who find the chaos too stressful, there is an excellent alternative. Christmas shopping online is a relatively new concept, but each year more and more people are turning to online shopping to complete all, or part, of their Christmas shopping.

One useful tip for Christmas shopping online is getting it done early but not too early. It is important to complete your online shopping early enough to have the item shipped to the recipient in time to arrive before Christmas, without incurring charges for rushed shipping. You want your friend or relative to receive the gift on time, but you don’t wan to pay a great deal of extra money for shipping. Standard shipping rates are typically quite reasonable, but express shipping rates can be rather expensive. While it is important to complete your online shopping early enough to get the gift to your friend or family member before Christmas, you do not want the gift to arrive too early. While there is technically nothing wrong with this, it may result in the gift being opened early.

One problem which can occur when you do your Christmas shopping online is that the item you purchase may look better online than it does in reality. To avoid this problem it is best to only purchase items online if you are absolutely sure what the item actually looks like. For example, you may have seen a particular coffee maker in stores. When purchasing the item online, you should compare the model number to ensure you are purchasing the item you really want. If you have never seen the item in person, it is important to view the item carefully. You should study all of the given information, including the measurements, to ensure the item you are envisioning as you view it online is the item you want to purchase.

Finally, when Christmas shopping online, it is important to only make purchases from reputable retailers. You may be tempted to purchase items which appear to be an incredible bargain, but if the retailer has a bad reputation, or you cannot verify the reputation of the retailer, it might be a better idea to purchase the item from another retailer who has a more established reputation of providing excellent products and services. You may pay slightly more, but you will gain the security of knowing you are dealing with a reputable retailer and you will not have to worry about the quality of the item you select or the shipping practices of the retailer.