Christmas shopping - Tips and Hints
Christmas can be a stressful time of year, with worries particularly around how to afford all the gifts that your loved ones want and how to manage your finances carefully. It can be tempting to make use of credit cards and overdrafts at this time of year if you get caught up in the frenzy of last minute gift buying and the general excitement of the season, but these can be incredibly expensive means of borrowing - particularly as a number of credit providers have recently announced that interest rates will rise in December - meaning that some customers may need the entire coming year to pay off the debt before they build it up again! It`s easy to see how vicious the circle can become.
Rather than find yourself struggling or worrying about finances at Christmas time, why not take a few sensible steps to manage your money carefully.
Plan your spending
Try making a list of everyone you need to buy for, with a clear idea of your budget at the start. You can then allocate your budget to each person and know how much you have to spend on each of them. This will save you spending too much on one person and finding yourself short for other gifts. Having a gift list in advance will also help you not to be swayed by the special offers and rows of tempting goodies in the shops!
If you use price comparison sites you can search for branded items and find which online retailer is selling them the cheapest. The savings can be substantial and you can combine this technique with using a cashback site - below.
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It is only with the heart that one can see rightly; What is essential is invisible
to the eye -- Antoine de Saint Exupéry