Holiday Shop On A Small Budget With These Tips
Got a stringent budget for the holidays this year? Not to worry, there's a way to purchase perfect gifts without a big wallet. These ten tips can help you out when you need to go holiday shopping but have a not-so-large budget.
How to Holiday Shop When You Have A Budget
1. Check Prices on Your Phone
For those gifts that take you over your budget, use your phone to see if you can find a better deal. You're more likely to find shops with price-match policies this way.
2. Don't Be Passive
Waiting until the last minute will lead you to overspend. Not to mention that it'll just create more stress for yourself at an already panicky time of year.
3. Buy The Older Versions
If you're purchasing electronics for anyone this year, buy the older versions. Generally speaking, brand-new gadgets aren't that different from last year's model.
4. Understand the Truth Behind Sales
You might be waiting to buy all your gifts on Black Friday. But this might not be such a good idea. Why? Because the sales aren't necessarily that great – despite what those big brands may tell you. To tell you the truth, there might not be that much of a difference in the markdowns between general promotions and Black Friday deals.
5. Try Your Hand at Making Presents
Creating your own gifts is a fantastic way to save money while giving your loved ones something special. You might not be able to make everyone's presents. However, it'll be a good option for grandparents and the like.
6. Save Throughout The Year
If you know there's a large present you want to buy for someone early in the year, make sure to save for it. This avoids going into debt or watching your account empty in the run-up to the holidays.
7. Don't Go On a Shopping Spree
Whether it's the point of sale stands or the attractive, shiny makeup stations, shopping malls are well-versed in enticing people to part with their cash. To negate their efforts, always stick to the things you know you want to buy for your loved ones. It's ridiculously easy to overspend otherwise.
8. Remember to Budget for Shipping Costs
If you're shopping online, and you likely are, remember to budget for those shipping costs. Nine times out of ten the product will be cheaper, but they add a boatload of money onto its shipping price.
Having said this, some stores will offer free shipping on some purchases. Have a good look around for these deals before you settle.
9. Make a List
Shopping is simpler when you have a list, as we all know. But, there's more to it than that! Knowing exactly what you're going to purchase makes holiday shopping cheaper. How? Because you'll never be tempted to overspend by just getting a little "extra something", as all your presents are written down.
10 Support Small Businesses
Supporting local, small businesses should be a must when you're holiday shopping. Not only does it help to give the local community a bit of a morale boost; but it also helps you buy quirky and special gifts.
Even if you’ve found a way to shop under a budget, the chances of a holiday emergency are pretty high, let's be honest. However stressful, you don't have to face it alone. Grab the best payday loans in SC to overcome the unforeseen event and have the best Christmas possible!
Ran Into an Emergency? Let Online Payday Loans Help You!
A payday loan is a short-term, unsecured loan that can help bridge the gap between your pay periods. This loan is there to help you out when you find yourself in a situation that requires your immediate attention. Aside from helping you out with whatever your unexpected situation is, there are many things you should know about this loan.
The Best Benefits of Carolina Payday Loans
When it comes to payday loans, there are some benefits you definitely need to know about.
- Quick money — Usually, you'll receive your money on the same day as you apply. No more waiting around for traditional bank loans when you're in a state of crisis!
- Fewer requirements — Bank loans ask for all sorts of proof of address and credit history stats. Payday lenders, on the other hand, just need you to have an ID card, regular income source, bank account, and be 18 or over.
- Unsecured loan — You don't have to put up any of your belongings as collateral.
What Should You Use Payday Loans For?
If you are wondering what you should use a payday loan for, it's easy. You should be using your payday loan for emergencies that need your immediate attention. This could be unforeseen medical bills, urgent travel expenses, home repairs, or vehicle repairs. Whatever your emergency happens to be, payday loans help get you out of the mess.
How Do You Get A Carolina Payday Loan?
As I said, our payday loan process in Carolina Payday Loans is quick and easy! The process begins with you filling out our online form – which you can find right on our homepage. Once you are finished, your form will be sent to the nearest payday loans in South Carolina.
When we receive your form, a loan associate will give you a call to confirm your information. The associate will also walk you through the process and give you the list of required items you must bring. You must have:
- A blank check from an active checking account in your name;
- Your government-issued I.D. or your driver’s license;
- Your most recent pay stub.
When you arrive at one of our payday loans near me locations – which you can find all around South Carolina – we will examine your items. Once we see if we can approve you, we will give you the amount you qualify for.
This holiday season, go into it with less stress when you use these tips to shop under a smaller budget.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.