Start Planning Christmas Gift Shopping – Frugal Challenge
It may seem a bit early to be thinking about shopping for Christmas gifts, but, if you’re like me, trying to save as much money as I possibly can, you should probably start today. Planning a more affordable Christmas this year doesn’t have to mean cutting out all the gifts, decorations, food, and fun. You just need to start early, use your creativity, and base your shopping on good judgment.
Christmas time is supposed to be a time of joy and celebration. If you are burdened with debt because you overspent on gifts, your heart will not be light and full of good cheer. Those expensive gifts can become a burden that strips away the joy of the season.
Let’s look at some basic strategies for slashing the overspending that can occur at Christmas time.
Plan Your Gift Budget – This is so basic you would think that most people already do this, but many don’t, and that is where the trouble starts. Don’t start with a gift list, start with writing down exactly how much you can afford to spend on Christmas gifts this year. Don’t forget that you’ll need to budget for the rest of your Christmas expenses, too. Things like decorations and food need to be budgeted for, so keep the total expense in mind.
Make Your Gift Recipient List – Write down everyone you normally buy a Christmas gift for.
Remove Some People From That List – This may seem a bit difficult, but you are almost guaranteed that after you go through your list, you’ll find someone that you really don’t need to buy a gift for this year. If it makes you more comfortable, just move their names to the bottom of the list so you can remember to do something for them, even if that doesn’t involve buying a gift.
Plan Dollar Amount For Each Recipient – Write a dollar amount behind each name that you now have on your list, then add it up. Are you outside your budget for gifts? You’ll need to go back then and rethink each amount and adjust the figures until it fits within your gift budget.
Make Your Gift List – Now you can go through your list of names and start jotting down ideas for each person. Because you’ve created a budgeted dollar amount for each individual, your ideas now have a limit. The problem most people get into when they shop for gifts is that they create a gift list with gift ideas first instead of dollar amounts first. To save your budget, always start your gift list with the dollar amount to be spent for each gift recipient.
Start Your Shopping Early – Yes, there are some great bargains to be found as you get closer to Christmas, but the panic that sets in usually ends up costing us more than we planned. Last minute shopping narrows your choices.
Re-Think Gift Shopping – Consider more inventive options for at least some of the names on your list. Shop smart and thrifty by looking through bargain basements and resale shops. Yes, even a trip through the second-hand stores may prove to be rewarding. You’ll never know what kind of fun and funky finds you’ll come across. For instance, you might find great vintage jewelry that would be just right for a teenager. You may even stumble upon some antique books. And, what little princess wouldn’t like a big box of sparkly gowns to play dress-up in? You’ll find racks of bejeweled, lacy, and shimmery dresses on the bridal and special events racks in most larger thrift shops. Check it out before you head to the mall.
Homemade Gifts – If you are creative, if you can follow a pattern, if you can cook, or if you just have a desire to make something nice, put your skills to work and make a gift. Something as simple as a pretty jar filled with bath salts can be just the right gift to give a friend in need of a relaxing moment. Gifts made from the heart are always appreciated.
Leave Yourself Off Your Gift List – If you’re tempted to buy yourself stuff while you’re shopping for gifts, you’ll need to give yourself a stern talking to! There are so many lovely things out there in the store aisles and they all seem to be calling your name. That is what is called “marketing to the impulse shopper.” If you have no control, give your list to someone else who has more self-control and is willing to do your shopping for you. Know yourself and avoid this pitfall. Your budget can’t take it!
This is my frugal challenge to you. Hold onto the joy of Christmas gift giving by setting your gift budget within your means. Don’t go into debt in order to give gifts that you cannot afford. Your family and friends would not like it if they knew their gift caused you a hardship.
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From Hillbilly Housewife Blog.
Holiday errand help for Monroe County MI seniors
This post is for my readers in Monroe County, Mich.:
Caring Alternatives, 2092 S. Custer Rd., Monroe, Mich., has a limited grant subsidy that will be available from Nov. 1 to Dec. 15 to help disabled adults and seniors who are residents of Monroe County, Mich., get ready for the holidays.
The program includes light cleaning, putting up and taking down decorations, addressing holiday cards, gift shopping and wrapping, grocery shopping and food preparation.
The program does not pay toward the cost of transportation, items purchased or products used. Availability will be on a first-come, first served basis.
For information, call (734) 242-8711.
Continue reading Holiday errand help for Monroe County MI seniors …
From Monroe on a Budget.