With the economy on a roller coaster, and the possibility of our family going to one income in the near future, I thought this year would be a good year to start cutting back at Christmas. Now, when I say “cutting back” I may not necessarily be referring to buy less for people. I am just trying to spend less. I have really been working toward a less expensive Christmas this year, and here are a few ways I am accomplishing that task.
1. Make a List. This list enabled me to know exactly who we would be buying for this year and gave me the chance to start jotting down some ideas for each person.
2. Make a Budget. I decided how much I wanted to spend on each person and wrote it next to their name on the list.
3. Start Early. I know that most people are not in the frame of mind to think about Christmas during the summer or fall, but it really does make a difference to start early. By getting ideas early, you are able to take advantage of items on sale and have time to shop for the best possible price. I also seem to be in less of a hurry when I start shopping early. This gives me the opportunity to really think about what I am buying and make sure it is what I want to purchase for the person.
4. Open a Christmas Savings Account. There are several banks that offer a Christmas savings account. These accounts work like a savings account. You are allowed to make deposits throughout the year, and a check is issued to you close to the Christmas season (usually some time in October). If you cannot find a bank that offers a Christmas savings account, try opening a separate account for your Christmas money. Be disciplined enough to put money in the account each time you get paid, and you will not be scrounging around for money or running up your credit card for Christmas gifts.
5. Use the Internet. There are many great web sites out there to find great deals on the items you want to purchase. Do a search for the item you are looking for, and you will have several sites come back selling that item. There are also web sites that offer items in your town at half price. You can usually purchase a $50 gift card for $25. These also make great gifts!
These are just a few ways I am using to spend less this Christmas season. I also have used a few websites to help me get organized as well. I am putting a list of helpful sites on here for you to check out for yourself!
