How to Give Christmas Gifts Without Overspending
- Start early. That way you can comparison shop and take advantage of preholiday sales
- Don't rush. When you're stressed, you're more likely to buy silly things and pay too much for them. Block out shopping time -- ideally early in the day or on a Monday or Tuesday -- to avoid the crowds.
- Take a set amount of cash. When it's gone, stop buying.
- When you're done, go home! The less you subject yourself to the store's seductive splendor, the fewer unnecessary things you'll buy. Better yet, never leave home -- shop by catalog or online.
- Watch the weather. During winter storms, stores sometimes slash prices to lure shoppers.
- Load up on seasonal grocery bargains. Baking supplies, for example, are often on sale during the holidays.
- Shop after the holidays for next year's decorations and cards.
- Make travel arrangements as far in advance as possible and enjoy cheaper tickets and discounted rooms.
- Ship early. You'll avoid the rush rates. If you're catalog shopping, read the fine print on the order form as shipping fees can vary widely.
- Make your gifts. Even the arts-and-crafts-impaired can usually deal with baked goods, bottled vinegar, and the like.
- Entertain for less. Skip costly dinner parties and instead have gatherings that involve guests, such as potlucks, caroling, tree-trimming, or cookie-swapping parties.
- Send free e-greeting cards. These colorful Internet messages cost you nothing.
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