Christmas Shopping for Yourself

 

Holiday Season

Everyone knows that Christmas is all about giving but most of us are also tempted to shop for ourselves when we are out Christmas shopping for our beloved friends and family members. While some people may be tempted to pass up on purchases for themselves during the holiday season because they feel guilty making these purchases, there are others who feel there is absolutely nothing wrong with taking advantage of the huge sales which take place during the Christmas season to purchase a few items for themselves. Still others argue that Christmas time is the best time to shop for yourself in terms of finances because you are shopping at a time when most items are on sale. This article will take a look at the concept of shopping for yourself while Christmas shopping and will offer some advice for doing this without distracting from your regular Christmas shopping.

Deal

If you do opt to shop for yourself while you are Christmas shopping it is important to remember to keep your budget in mind while you do your shopping. If you do plan on shopping for yourself during the Christmas shopping it is important to budget for these expenditures. Whether you opt to include yourself in the Christmas shopping budget or create a separate budget for your personal shopping, you should make some plan for how you will deal with these additional financial concerns. One way to do this is to include yourself on your Christmas shopping list and set aside some money for your personal purchases when you are working on your Christmas budget. Another way to deal with the financial concerns is to plan on paying for gifts for everyone else on your Christmas list in cash and to make your purchases for yourself on a credit card. This is helpful because it does not reduce the amount of money you would otherwise spend on your friends and family members.

Spending Time

Another problem which often arises when you opt to shop for yourself when you are doing your regular Christmas shopping is that you may become distracted and not complete your Christmas shopping on time. Consider purchasing a sweater for your sister. You may look through the racks of sweaters and quickly choose one in a color, style and size you think will be appropriate for your sister. You might spend some time looking at the different colors and styles and trying to decide which size will fit best but in general it doesn’t take more than a few minutes to select a sweater and make your purchase. Now consider purchasing a sweater for yourself during the Christmas season. You may select several different styles you like in one or two sizes and a few different colors. You can take the items to the dressing room and try on each one to determine which style, color and size you like best. You might even try the sweaters on with a few different styles of pants or skirts which you think will match well. It is easy to see from this comparison how a shopper can easily spend a half hour to an hour buying a sweater for themselves and less than ten minutes purchasing the same sweater for someone else. It is also easy to see from this example how shopping for yourself while doing your Christmas shopping can prevent you from completing your shopping in a timely manner. For this reason it is wise to leave your personal shopping until after you have completed all of your Christmas shopping.

How to Set Up a Budget for Christmas Shopping?

 
Christmas Shopping

It is never too early to start thinking about setting a budget for Christmas shopping. As much as we would like to be able to purchase anything we want for our friends and relatives, it is an unfortunate reality, that many of us have to budget carefully to be able to purchase Christmas gifts for all of our friends and relatives during the holiday season. With this in mind it is very important to set a budget for Christmas shopping and to try to really stick to that budget.

Plan for Purchasing

Some people take an interesting approach to setting a budget for Christmas shopping by waiting until they are ready to start shopping to set the actual budget. These individuals usually do this because they are saving specifically for the purpose of Christmas shopping. Whether they open up a bank account specifically for Christmas shopping, set aside money for this purpose in an envelop each week or plan on using a percentage of their income from the month of November for Christmas shopping it is important to set a budget and determine a plan for purchasing all of your Christmas gifts without exceeding this budget.

Eliminate a Great Deal of Stress

Other people take a different approach to setting a budget for Christmas shopping by shopping throughout the year and incorporating their spending for Christmas presents into their monthly budgets. These individuals may allot a portion of their monthly income to gift giving and either purchase the gifts on a monthly basis or simply set aside the money for a Christmas shopping spree at a later date. Those who spread out the Christmas shopping by doing a little bit of shopping each month not only keep their budget in control but also eliminate a great deal of the stress which often accompanies last minute Christmas shopping.

Strategy may Work

Still others take a more interesting approach to setting a budget for Christmas shopping. Those who typically receive a financial bonus at work around Christmas time may base their budget on the amount of money they are awarded in this bonus. This strategy may work out well for some as it does not allow them to alter their normal monthly spending strategy because these bonuses are typically not considered in the regular monthly budgeting. However, unless these bonuses are guaranteed annually, there is some risk involved in this strategy. Often annual bonuses are awarded based on criteria such as the company’s earnings and the individual employee’s contributions to the success of the company. The company may not enjoy financial success or the contributions of the employee may not be highly valued and therefore there may be either no bonus or a bonus much lower than expected. When this happens, those who count on bonuses for Christmas shopping may find themselves in a difficult situation.


Budgeting for Christmas Shopping

Budgeting for Christmas shopping is particularly important for those who plan to use credit cards to make their purchases. In the case of credit card purchases it might be worthwhile to spread the Christmas shopping out over the entire year and repay the debts associated with the shopping monthly. This will help to prevent carrying a balance and being charged interest on the balance each month. However, if it is necessary to do all of the Christmas shopping at one time, it is wise to save up during the year for these purchases. Before you begin shopping, evaluate the amount of money you have saved and set a budget for your Christmas shopping. This way even though you are using a credit card and will receive a large bill the following month, you should have enough money to repay the bill in its entirety and avoid paying interest on the debt.

Best of Intentions

Even those with the best of intentions may find themselves going over their budget when Christmas shopping. When this happens it is important to keep things in perspective and avoid going too far over budget. You may spend too much on one or two people on your Christmas list but you can recover from this by purchasing less expensive gifts than planned for a few other people to compensate.

Shopping for Christmas Gifts

 

Easing the Financial Burden of Christmas Shopping

Although we all would prefer to not have to worry about finances when it comes to Christmas shopping the unfortunate truth is that the majority of people do not have unlimited funds to spend on Christmas presents for their friends, relatives and co-workers. As a result most of us have to set budgets for Christmas shopping and have to repay any debts which are incurred while shopping for Christmas presents. However, there are ways to ease the financial burden of Christmas shopping. Some of the most common ways to easy the financial burden include spreading out the Christmas shopping throughout the year, opening a Christmas savings account and sticking to a strict budget when it comes to purchasing Christmas presents.

Great Deal of Money

If you typically wait until the last minute to do your Christmas shopping you probably understand the stress of last minute Christmas shopping all too well. Not only is it stressful to have to find appropriate gifts and purchase them, wrap them and deliver them to the recipient in a short time period but it also places a tremendous strain on the wallet especially for those who purchase a large number of gifts or for those who purchase extravagant gift for the recipients on their Christmas shopping list. The problem with this type of Christmas shopping strategy, in addition to the stress of finding great gifts, is the buyer is faced with paying for all of these gifts at one time. This can be very difficult especially for those who are already on a tight budget and may not have a great deal of money left over in their monthly budget. Without proper planning these individuals may be faced with the dilemma of either shortening their list of gift recipients or purchasing inexpensive gifts for each member on their list. However, if these same people plan to shop throughout the year they may find they are able to purchase gifts for one or two individuals on their list each month with the money that is left over in their monthly budget. This strategy of spreading out the Christmas shopping throughout the year makes the financial burden of Christmas shopping significantly less difficult.

Saving for Christmas

Opening a Christmas savings account can also be very useful for the purpose of easing the financial burden of Christmas shopping. This is helpful because most Christmas savings accounts accrue interest and do not allow you to withdraw money from the account before a certain time. This allows you to gain a small amount of interest on your savings and ensures you won’t be tempted to use the money you are saving for Christmas shopping for other expenses throughout the year. You could always take an envelop and add a percentage of each one of your paychecks during the year but if you save this way you will not be earning any interest on the money you are putting aside. Additionally, you may be tempted to use some of the money for small purchase or emergencies which arise during the year. A Christmas savings account is so convenient, you can even have money directly deposited into it from each paycheck or you could simply transfer money into your Christmas savings account from another savings account or your checking account each month.

Your Budget

Finally, the financial burden of Christmas shopping can be eased by setting a strict budget and sticking to this budget. This is important because it can help to keep you from spending more on shopping for Christmas gifts than you had intended. If you budget carefully and plan on only spending as much money as you already have saved or as much as you can afford to spend than you do not have to worry about going into debt to provide Christmas gifts for your loved ones. While it is important to set a budget, it is also important to track your purchases to make sure you are sticking to your budget. If you go over your spending limit on a few people on your list, you will have to consider either eliminating a few people or reducing the amount of money you can spend on a few people. This will help you to remain under your budget.

Christmas Shopping for Kids

 

Christmas

Christmas is a truly magical season that is enjoyed by many but no one enjoys the Christmas season more than kids. It might be the prospect of some well deserved time off from school, the allure of the lights and decorations, the beauty of the snow that often accompanies Christmas or just the anticipation of Santa and his sleigh filled with toys that is so exciting for children but it is evident that most kids are truly enchanted by Christmas. For this reason many adults truly enjoy shopping for kids and Christmas time.

Selecting Toys
 
While Christmas shopping for kids is a great deal of fun there are some factors to consider when Christmas shopping for kids. A few of the specific concerns include selecting age appropriate toys, selecting toys which are not too noisy or too big for the child’s living situation, selecting toys the child does not already have, selecting toys which the parents consider to be acceptable and finally selecting toys the child will enjoy. This can make Christmas shopping for kids a little more difficult but does not make the shopping any less fun.

Younger Child

Selecting age appropriate toys is very important when Christmas shopping for kids. This is so important for a couple of reasons. First of all it is important because toys which are designed for older children might be potentially dangerous for the child. For example toys which are designed for children over the age of three may contain small pieces which pose a choking hazard. Children under the age of three still often put toys and other objects in their mouths so they must receive toys which contain only pieces large enough to not be a choking hazard. Also, toys which are designed for an older child or even a younger child may not be as much fun for the child as they would be for children of the appropriate age. If the child is too young for the toy, they may be come easily frustrated because they can not use the toy appropriately. Conversely a child who is too old for a particular toy may become bored with the toy quickly.

Indoor Items

When shopping for Christmas gifts for a child, it is also important to consider the child’s parents and the living situation. This includes the size of the living area and the proximity to neighbors. Specifically toys which are particularly noisy may not be appropriate for a child who lives in an apartment building with other apartment units nearby. Also, large toys such as a trampoline may not be appropriate for a child who does not have a yard large enough to accommodate such a gift. Similarly large indoor items such as a foosball table would not be appropriate for a child who does not have a dedicated toy room to accommodate such a large item. As a general rule it is best to stick with small items which do not make a great deal of noise when Christmas shopping for kids.

Feelings of the Parents

It is also important to consider the personal beliefs of the parents when shopping for Christmas gifts for their children. Specifically you should not purchase an item for a child if you know their parents are ethically opposed to such as item. Guns and violent video games are a couple of obvious example of Christmas gifts which may offend the parents. There are many parents who do not allow their children to play with these items because they believe they promote violence. If you are not sure about the feelings of the parents, it is best not to select these items.

Gift

Finally, when Christmas shopping for a child, it is wise to consult the parents beforehand. This can be helpful for a couple of different reasons. First the parents can give some insight into the child’s hobbies and interests which may make selecting a gift easier. They may even suggest a specific item from the child’s Christmas list ensuring you are giving the child something he really wants for Christmas. Consulting the parents can also prevent you from giving the child a gift he already has. Try calling the parents before you make a purchase to suggest a particular item. They can let you know if they think the child will enjoy the item or if the child already has the item.

Christmas Shopping for Distant Relatives

 


Managable

It may be really simple to Christmas shop for close relatives who you see often and know very well. However, when it comes to shopping for relatives who you rarely see because they live far away, it can be significantly more difficult. There are a number of factors which contribute to the difficulty of this situation. First of all it is difficult because if you don’t see the relatives often you may not have a good idea of their current interests or hobbies which would simplify the shopping process. It is also difficult to Christmas shop for distant relatives because you have to consider the cause and complexity of shipping the items to the relatives. This article will offer a few ideas for dealing with Christmas shopping for distant relatives to make this complex situation more manageable.

Favorite Color

An unfortunate reality is many people live quite far away from many of their relatives. Relatives may live thousands of miles away but they are still people you love and care about and Christmas is an excellent time to express your love for them by sending them a Christmas gift which tells them you are thinking of them. However, despite your best intentions, it is often difficult to Christmas shop for a distant relative. This is because you may not keep in close contact with the relative and may not know their current hobbies or interests. You may not even know their current clothing sizes. They may have lost or gained weight since the last time you saw them so even purchasing clothing can be difficult. Furthermore they may have preferred wearing a particular color the last time you spent some time with them but may have a new favorite color now. For all these reasons, Christmas shopping for a distant relative may be difficult but there are ways to simplify the process.

Activities

One way to make it easier to Christmas shop for a distant relative is to call them to catch up before you do your shopping. Just giving them a quick phone call can provide you with a great deal of insight into their life. It is a good idea to make a call like this anyway just to keep in touch but it can also help you out a great deal with your Christmas shopping. You might learn a great deal during this phone conversation such as activities in which your relative is involved or leisure activities they enjoy. All of this information can make it easier for you to select an appropriate Christmas gift. You might also consider asking your relative what they want for Christmas. This may take away the element of surprise but it will ensure you are purchasing something your relative really wants. Another option to consider is purchasing a gift certificate. This may not be the most exciting gift but it is one that is sure to be appreciated.

Gift 

Another complication which stems from Christmas shopping for distant relatives is the matter of shipping the gifts. This can be difficult and expensive. Also it can be a tremendous hassle especially if you are shipping the gift close to Christmas time when the lines in the post office are historically long. One way to avoid some of these complications is to purchase gifts which are relatively small in size. This will help you to avoid excessive charges associated with shipping items which are oversized or heavy. Additionally, if you are planning a trip to visit your relatives during Christmas, you could consider purchasing items which are small enough to fit in your suitcase so you can transport the items yourself. This will not only save you the cost of shipping your Christmas gifts but will also save you the hassle of dealing with standing in long lines to ship the gifts. Gift certificates were previously mentioned as an excellent option for distant relatives if you are not sure what type of gift they will appreciate most but they are also perfect for shipping.

Christmas Shopping Deals

 

Christmas Shopping During Big Sales

Several times a year retailers offer big sales on many of their items. Some of these times include President’s Day, Easter, the Fourth of July, Labor Day, Thanksgiving and of course Christmas. Retailers hold sale events during these times of year to encourage shoppers to get out and make some big purchases. The last minute Christmas shopping frenzy which takes place each year can be largely attributed to the sale events at Christmas time. Many shoppers specifically wait until the last minute to do their Christmas shopping because they know many items will go on sale at this time.

Save Money

While this is an excellent way to save money, savvy Christmas shoppers know that doing a little bit of their Christmas shopping at these other sales during the year can help to ease the stress and financial burdens often associated with last minute Christmas shopping. Christmas shopping during big sales is definitely a good idea but it is important to remember that there are some ways to really take advantage of a big sale and some ways to have your Christmas shopping deterred by a big sale. This article will discuss a few basic strategies for doing your Christmas shopping during big sales without falling into some of the common pitfalls often associated with shopping during sales.

Appealing

One of the biggest pitfalls associated with doing your Christmas shopping during big sales events is to end up purchasing many items you don’t need and would not have purchased if they weren’t on sale. This can be a problem especially if it causes you to exceed the budget you have set for Christmas shopping. This often happens when shoppers encounter a sale they think is simply too good to pass up. For some shoppers a discount of more than 50% seems very appealing and they may be tempted to buy these items just because the price has been reduced by so much but they might not really need the item.

 Discount

In this case the shopper may be saving 50% off of the original price because of the discount but if they wouldn’t have purchased the item if it wasn’t on sale they are really spending more than they would normally spend and are essentially losing money. To avoid this pitfall, it is wise to make a list of each person on your list and what you intend to purchase for them so you will not be tempted by big bargains. Another problem associated with Christmas shopping during big sales is that hesitancy often causes the shopper to miss out on an item. When you are Christmas shopping during a big sale it is important to be slightly impulsive.

List

If you see an item you think you would like to purchase for someone on your Christmas list, you have to either buy it right away or run the risk that it will be gone if you come back later to look for the item. Retailers often put items on sale when they only have a limited quantity of the item in stock and therefore once they sell out the item is gone. So it is important to remember that when you are Christmas shopping during a big sale, you have to make decisions quickly. You need to either decide to purchase an item or completely forget about the item because it will likely be sold soon after you leave the store.

How to Give Great Gifts?

 

Great Gifts without Paying a Fortune for Them

Sometimes it seems that you are always trying to budget for different occasions where you need to provide a gift. There are always plenty of housewarmings to attend, weddings, anniversaries, and birthdays to keep you digging into your pocketbook. Since you know you will always need gifts, it can save you plenty of time and money if you purchase such gifts in advance while they are on sale. This is the perfect way to find bargains for gifts so that the recipient thinks you spent more than you did.

Plenty of Bargains

To make this concept work well for you, organization is very important. I know people who buy plenty of bargains to give as gifts, but the problem is they can never remember what they have or where it is when they need something. If you create a list and keep it in a safe place you will always know what gifts you have available. I keep them in an air tight Tupperware storage container (that I got on sale!).

Birthday Invitatiions

If you have children then you know there are always plenty of birthday invitations coming your way throughout the year. When the toy store or another retailer has a sale on toys purchase some common ones. Girls generally like dolls and Barbie’s. Boys will always enjoy cars and action figures. Board games, puzzles, and books make great gift items for both boys and girls.
 
Trendy

Try to avoid anything that is trendy because you don’t know how long that fad is going to be in existence. If you give a gift that used to be trendy but isn’t popular anymore it will be very obvious that you didn’t shop for the gift recently. Some children’s characters are always in style though like the Disney Characters and Looney Tunes so you should be save purchasing toys with these themes.

Shopping List

For adults, there are a variety of great items you can find at bargain prices to give them for most any occasion. Flower vases, picture frames, photo albums, and candles all make great gifts for even the most difficult people on your shopping list. These items are timeless as well so it doesn’t matter how long they stay in your gift chest before you give them to someone.

Christmas Presents

You can even incorporate this concept to purchase birthday and Christmas presents for your spouse and your children. This way you will spend less around the holidays, and you won’t be burdened with shopping while everyone else it that time of year. It can help to keep a list of the items that catch the eyes of those in your family so you can make sure you get the right item when you see it on sale.

Items

Being able to offer someone you care about a very special gift is important, but it can also be stressful when you are pressed for time and money is tight. By purchasing bargain items as you come across then you will always have plenty of great gifts to share without breaking the bank. This will allow you to give people better gifts than if you have to shop for them right before the occasion. Sure, you may get lucky and find a good sale at that point it you can’t be sure it will happen.