Setting A Budget For 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.
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.
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.
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 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.
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.
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.
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.
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.
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.
Getting Your Christmas Shopping Done Early
Waiting until the last minute to do your Christmas shopping can be just downright stressful. Additionally, it can make it incredibly hard to find the perfect gift for each person on your shopping list. Furthermore those who wait until the last minute to finish their Christmas shopping are often faced with the potential for a looming credit card debt for the start of the following year because they did the bulk of their Christmas shopping in December of the previous year. For all of the reasons above it makes a great deal of sense to get your Christmas shopping done early.
Those who complete their Christmas shopping early gain a great deal of benefits. First of all they do not have to deal with crowded shopping areas as hordes of other shoppers are also trying to complete their last minute Christmas shopping. Shoppers who complete their Christmas shopping early also have more time to relax and focus on other activities such as decorating, wrapping presents, baking cookies or just spending some quite time with family. Finally, those who complete their Christmas shopping early also gain financial benefits. They can take advantage of sales which occur year round if they spread out their shopping plus they do not have to worry about paying for all of their purchases at one time.
Now that you understand all the benefits of getting your Christmas Shopping done early, you may still wonder how you can achieve this goal. One way to do this is to think of Christmas shopping as a year long event. Sit down shortly after the Christmas season to make a list of each person you plan to purchase gifts for in the following Christmas season. You can also jot down a few gift ideas for each of these people as well. Creating a list at this time gives you a whole year to spend time searching for gifts for each member on your list. For example you may wish to purchase a particular CD for your sister. If it is a difficult CD to find, you have plenty of time to begin tracking down this time. If it is a CD that is easy to find, you can plan on waiting until it goes on sale and may find you are able to save quite a bit of money by doing this.
If you plan on getting your Christmas shopping done early by shopping year round for friends or relatives, you should always keep your shopping list handy. Your wallet is a good place to keep it so it is always available when you are out shopping. Not only should you always carry your list with you but you should keep it up to date. As you purchase a gift for each person on your list, cross off their name and write down the actual gift you selected if it was different from the gift idea you had written down originally. This important because it will help to prevent you from purchasing multiple gifts for those on your list because you forgot you had already purchased their gift.
While getting your Christmas shopping done early does have some distinct advantages, there are also pitfalls to this type of shopping. Those who do their shopping throughout the year are often not as budget conscious as those who shop at the last minute. This is because those who shop at the last minute understand the bills for all of their Christmas gifts will be arriving at approximately the same time. However, those who shop early often lose track of how much they are spending on Christmas gifts because the bills blend in with regular monthly expenses. To avoid this problem, those who plan to shop throughout the year should set a budget for Christmas presents. They should determine ahead of time how much they wish to spend on each person on their list and should try not to exceed this amount.
Last Minute Christmas Shopping
If you are like most people you do the majority of your Christmas shopping at the last minute. Visit any mall or shopping center in the final days before Christmas and you are likely to find parking lots that are filled to capacity and stores that are literally filled with shoppers who are still searching for the perfect Christmas gift for their friends or family members. As it gets closer and closer to Christmas the crowds tend to get more and more restless and the search for the perfect gift becomes a search for an acceptable gift. Although Christmas falls at the end of the year and people have a whole year to prepare for this joyous occasion, most people leave their shopping until the last minute every year despite New Year's resolutions to get the Christmas shopping done early. This article will discuss a few different types of last minute Christmas shoppers. There are those who do their Christmas shopping at the last minute out of necessity, those who do it because they have procrastinated and those who do it because they find it to be exciting.
People become last minute Christmas shoppers for a number of reasons. Perhaps the most innocent last minute shoppers are those who shop at the last minute out of necessity. Consider college students who typically end the semester around mid to late December. Many of these students are living on campus without access to a car. This can make Christmas shopping quite difficult but when you combine this living situation with the fact that they have finals to take at the end of semester, Christmas shopping becomes downright impossible. Finals often account for as much as 50% of a college student's grade and it is understandable that they would have to spend the early part of December studying, the middle of the month taking their finals and then wind up last minute Christmas shopping almost immediately after their last final.
Other last minute Christmas shoppers include those who are just born procrastinators. They may go to stores every weekend in October or November. This could be an excellent opportunity for them to get their Christmas shopping done early but instead they wind up window shopping or purchasing items for themselves. While they are aware the Christmas season is approaching, they don't feel compelled to start shopping until the absolute last minute. When this happens they find themselves in the unfortunate position of fighting the crowds in a last minute Christmas shopping frenzy.
Finally, there are others who are last minute Christmas shoppers simply because this is when they prefer to do their Christmas shopping. Some of these shoppers see shopping at the last minute as a challenge. They know they are short on time but are confident they will be able to find great gifts for everyone on their Christmas list this year. Other shoppers who intentionally wait until the last minute to do their Christmas shopping may do so because they enjoy the excitement of the crowds. Although last minute Christmas shopping can be stressful it is often exciting. Those who enjoy this excitement love shopping at the last minute because it gives them a sense of energy they wouldn't feel if they were shopping for Christmas presents in October.
Christmas Shopping For Kids
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.
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.
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.
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.
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.
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 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. 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.
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. 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. 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.
Christmas Shopping For Distant Relatives
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.
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.
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.
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 On A Budget
Although most people enjoy the spirit of giving at Christmas time, it is also a fact that Christmas shopping can be a significant financial burden for many. This is especially true for those who have a large family or a large group of friends who regularly exchange Christmas gifts. Christmas shopping can also be a financial problem for those who feel compelled to purchase expensive gifts for each person on their list. However, there are ways to deal with the financial burden which often results from Christmas shopping. One of the ways to deal with this financial problem is to set a budget beforehand. Another way to deal with the financial stress of Christmas shopping is to shop throughout the year instead of all at once. This article will discuss the importance of setting a budget for Christmas shopping as well as how Christmas shopping can become less financially taxing by spreading out the Christmas shopping throughout the year.
Those who have concerns over the amount of money they will be spending on their Christmas shopping should consider setting a budget for their Christmas shopping before they begin their shopping endeavor. In order to begin the process of setting a budget for Christmas shopping, it is important to first create a list of all the people you intend to buy Christmas presents for this holiday season. This list should include all of the close friends and family members you typically purchase gifts for as well as any co-workers or employees you normally purchase gifts for, your mail carrier or your children's teachers. You may also wish to budget for gifts donated to toy drives organized by charitable organizations if you typically contribute during these events.
Once you have your list of gift recipients there are a couple of ways to go about establishing a budget. Perhaps the simplest way is to decide how much you plan to spend on Christmas shopping and divide this amount by the number of gift recipients on your list. This will result in a budget in which you plan to spend the same amount of money on Christmas gifts for each person on your Christmas list. This type of budget strategy may be appropriate if you plan on purchasing similar gifts for everyone on your Christmas list but it may not work out well if you want to purchase something really special for a few of your closest friends or relatives.
Another strategy for establishing a Christmas shopping budget is to determine how much money you would like to spend and then divide the individuals into different categories. Some of the categories you might want to include are close friends and relatives, business associates, acquaintances and gifts which are purchased for people you do not know. Once you have all of the members of your list categorized you can determine the percentage of your total budget you would like to spend on each category. For example you might decide to spend 50% of your total budget on close friends and relatives, 25% of your total budget on business associates, 15% of your total budget on acquaintances and the remaining 10% on Christmas gifts for charity drives. Then you can use these numbers to determine the total amount of money you will spend on each category and divide that number by the total number of people in each category to figure out a dollar amount for each person on your Christmas list.
A final strategy for establishing a budget for your Christmas shopping is to start out by determining how much you plan to spend on some of the most important people on your gift recipient list. This will most likely include your closest relatives. Once you set dollar amounts for your closest relatives, it is time to divide up the remaining amount of money in your Christmas shopping budget. This can either be done arbitrarily by dividing the remaining amount in your budget by the number of people left on your list or you can continue to go through your list selecting a dollar amount for each person until you reach your budget. At this time if there are still people remaining on your list you will have to either reevaluate the dollar amounts you have already chosen or consider eliminating some people from your list.
Buying Clothing When Christmas Shopping
Christmas shopping can be a lot of fun. Spending some time searching for the perfect gift for everyone on your gift list can be a great deal of fun. It is also rewarding when you find and purchase a gift you just know your loved one will treasure. However, there is one aspect of Christmas shopping which seems to be difficult for everyone. It seems when it comes to buying clothing while Christmas shopping, everyone seems to have at least a slight hesitation. There are just so many variables when it comes to clothes shopping that it can be difficult to shop for clothing for those on your gift list. Some of the variables which make Christmas shopping for clothing so difficult include size, color, style and material. This article will take a look at why Christmas shopping for clothing is so difficult and will attempt to offer some insight into how to purchase clothing for others.
The matter of size is one thing that makes Christmas shopping for clothing so difficult. You may have a good idea about what size your friend or family members is but it can be difficult to select the correct size particularly for items such as pants, skirts, dresses or blazers. Items such as sweatshirts in which the fit does not have to be perfectly tailored are easier to shop for but even with these items you still run the risk of selecting a shirt which is too small. A sweatshirt which is too big is considered acceptable as many people where these shirts large as a style but shirts which are too small can be rather uncomfortable and will not likely be worn by the recipient. When Christmas shopping for clothing it is wise to either select casual items or ask the recipient to try on the clothing. This ruins the element of surprise but will help you to select the correct size. You may wish to discuss your intentions to purchase clothing for your friend or family member and ask them if they would prefer to receive a surprise or to participate in the selection process by trying on items before they are purchased.
Selecting colors is another difficult aspect of Christmas shopping for clothing. In general if you know your friend or family members wears a particular color often, it is safe to assume they like this color and enjoy wearing this color. However, even this safe strategy can backfire on you at times. You may decide to purchase an article of clothing in this particular color because you see your friend or family members wearing the color often but you may soon find out they are tired of wearing that particular color and were hoping to receive clothing in other colors to expand their wardrobe. Again you can alleviate this problem by talking to your friend or relative and asking them what colors they would like to wear. This lets them know you are planning to purchase clothing for them for Christmas but does not give away the type of clothing or the style of the clothing.
Perhaps one of the most difficult dilemmas associated with Christmas shopping for clothing is selecting a style which will be appealing to the recipient of the Christmas gift and will look good on the recipient as well. If you are purchasing a gift of clothing for a really close friend or family member you may have a good idea about the style of clothing she likes because you see the clothing she wears on a regular basis but it still can be difficult to pick out items which you know she will like and will be flattering on her in terms of style. Again one of the best ways to deal with this situation is to ask the friend or relative to come shopping with you.
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