It seems to strike me every year on November 1st. No so sooner have I successfully hidden all the Halloween candy am I bombarded by commercials on television and on radio (even Pandora radio), ads on the internet and in magazines, and all sorts of signs and banners wherever I go. If you’re not careful and conscientious about what you are going to buy during this time of the year, it can be very easy to spend much more than you intend to.
Here are just a few tips to keep in mind as you wade through all the beautifully decorated, cheerful, warm demands for your money.
1. Make a List. Make a list of the items (or kinds of items) you want to purchase. Know what you want so that when all the appeals for other “great deals” come your way, it won’t matter. You don’t actually save money when you get a “steal” on something you don’t need. Of course, there’s nothing wrong with that if you’re not trying to save money. But I can’t imagine why you’d be here at ThriftyDivas.com if you aren’t trying to save money. 😉
2. Comparison Shop. Before making a purchase on something labeled as a “sale” or “clearance” item, make sure you know what a good price is. My daughter has a favorite organic breakfast bar she likes. We get it for about the same price wherever we go. One store advertises that if you buy an entire box of any of the bars they sell, you get a 10% discount. I planned on doing that (since the other stores that carry the same item don’t offer the bulk discount.) But when I saw the price of the bar and calculated the discount, I realized I was getting a better deal to buy the bars individually at the stores that don’t offer a discount. Know your price points!
3. Decide on a budget. And stick to it! You are more likely to come up with a realistic budget and stick to it if you also do #1 and #2. 😉
How do you keep from over-spending at this time of the year?
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