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Informative Articles

Brilliance in Balance
"For everything you have missed, you have gained something else; and for everything you gain, you lose something else." - Ralph Waldo Emerson The sun creeps above the eastern horizon, and shoots its long red beams across a frozen lake. The...
Don't Ignore The Signs: How Emotional Infidelity Can Ruin Your Relationship
Emotional infidelity can start with a simple hi or a wink. It begins in a boardroom or a chatroom. One spouse says, "What's the problem? We're only friends." The other spouse can't believe the reassurances. So the jealousy builds and a wedge is...
Moving Home – A Stressful Time
Moving home involves a lot of work. There are also a lot of financial considerations that people generally are not used to. Engaging a solicitor, arranging the mortgage, paying for bridging finance if it is necessary, seeking the best selling...
Using the internet to manage your family’s finance
The effectiveness of managing family finances has never been more significant, as parents struggle to find a balance between work and family life. A recent study by Mother and Baby magazine has found that new parents are getting less sleep than...
What It Takes To Start An Offline Business In Retirement
It’s a big decision to opt for an offline business as the route to a profitable retirement pursuit and it’s one that you should not make rashly. For a start, would you be fit for it? It will take up a huge chunk of your time (perhaps take over...
 
How To Save Money On Your Holiday Gift Shopping

How To Save Money On Your Holiday Gift Shopping

With the rising costs of gasoline and heating oil, as well as rising interest rate charges, saving money is at the top of everyone's wish list this holiday season. Here are some tips on getting the most out of your gift shopping dollars this holiday season.

1. Set a budget. This seems like a simple step, but many people fail to do this before starting their holiday shopping. Figure the total amount you can afford to spend on gifts and then divide that number by the total number of people on your list. This gives you the average amount that you should spend on each person. Try and stay within this limit for each person on your list.

2. Compare Prices. With the internet, it is easy to compare prices on most products. Some websites even offer customer comments which can give you valuable information on quality, ease of use, customer service, and overall ratings for many products. Some of the best websites for this are nextag.com, epinions.com, pricegrabber.com, and shopping.com.

3. Go to websites that give major discounts. These websites offer products at discounts of 50% or more. Selection and quantity may be limited but, if they have what you are looking for, you can save a lot of money. Some


of the best websites for this are www.overstock.com and www.incrediblediscountgifts.com.

4. Shop at Thrift stores or Consignment Shops like the Salvation Army stores. You can find unique items at bargain prices, but be sure to check the quality of all merchandise. Remember, all items are sold "as is" and there are no returns.

5. Make your own gifts. Family members and friends will appreciate the time and thought that you put in to the gift, especially if it's personalized just for them. Some ideas are photo collages, scrapbooks, and framed photos or personalized gift baskets filled with the recipients favorite coffees, teas, candies, jams, and baked goods.

6. Watch for Sales, Coupons, and Discounts in your local paper and online. On the internet just type in "Coupon Code", "Sale", or "Discount" into search engines like Google or Yahoo.

7. If you must shop with Credit cards, use only credit cards with low interest rates. Shop around for the lowest rate cards and stay away from high interest department store cards.


About the author:
Robert Landis is a freelance writer based in York PA, specializing in Personal Finance topics. All articles are free and may be reprinted without permission.



 

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