I can’t believe that it’s that time of the year already! I have all the decor up, but I barely have made a dent in my shopping. Part of the reason is, our finances are crazy this year. Bot hey husband and I had change in income without notice and it’s put a strain on Christmas. So, Christmas shopping on a budget can help. Here are nine easy, last-minute Christmas shopping tips we are going to use to do our shopping on a budget.
1. Make a shopping list
Luckily, I’m a BIG list writer. I actually use pen and paper-I like to see my lists without having to get on my phone or computer to see them. It’s a lot less stressful to me.
Write down the list of people you plan on buying gifts for. Consider who should really be on your gift list and don’t be afraid to trim it. Start with your immediate family and close friends, and selectively add to your list from there.
2. Set a spending limit
DO THIS!!! I’m guilty of going over budget when it comes to Christmas. The guilt kills me! I’m sure there are many of you out there as well.
Figure out the total amount of money you want to spend on presents, and divide it up among each person on your list. You could also allow a bigger spending limit for your kids and spouse.
3. Pay in cash
You don’t know how much this helps! When you see the money leave your pocket, its more of a real thing. It’s way too easy to not pay attention when using a credit card. I know-been there, done that. You’ll be forced to stick to your budget.
Use the cash budget – you’ll thank yourself in January when you don’t have any Christmas debts to pay.
4. Shop alone
If you shop alone, you’ll likely spend less money. My youngest can get me to spend way too much-she’s staying home for sure. A shopping partner in crime can distract you from your plan by convincing you to buy something unplanned and unnecessary.
5. Give, not buy
Luckily, this year I’m helping the husband with getting my gifts. I’m okay with it and we have a limit, so I won’t go over.