Holiday Shopping Survival Guide
1. Do Your Research Beforehand
Companies are looking for a way to stand apart each year. Whether it’s opening on Thanksgiving night or having Early Bird specials, they want you in their stores. Take the time before heading out to go through ads and research the product with tools such as Consumer Reports©.
Bonus Tip: Did you know that most of the time you will find that the exact same sale is offered online that weekend? (Meaning instead of waking up at 5 am and rushing to the store you get to sleep in!) Call ahead to see how the online product prices will differ from the in-store price. Plus, most stores now offer free shipping to your home or the nearest store.
2. Download Apps
The digital age has its perks, and mobile apps that help you save money are definitely one of them. The best part about these apps is that they are free!
3. Prepare a Budget
First decide how much you are willing to spend on gifts. Once you have a total budget in mind make a new list of how much you want to spend on each person. $30 for siblings? $200 for kids? $10 for coworkers? Now total those individual totals up, does it fit into your main budget or has it gone over? The main thing to remember is to stay within your budget. That is why you came up with the initial number to begin with!
Bonus Tip: Make all of your holiday gift purchases on ONE card. This is the best way to track your spending and make sure you stay within budget. It also comes in handy with returns! No second guessing which card a purchase went on. Speaking of returns, keep ALL receipts for the gifts in a place where you will remember like a Ziploc© bag in your kitchen, or an envelope in your file cabinet.
4. Buy Extra Gifts
Don’t be caught empty-handed! You never know when your neighbors will pop in with a little something or co-workers leave a gift at your desk. It’s always best to have a few $10 items ready to go. Some easy ones include baked goods, gift cards, and body lotions. Go ahead and stick a bow on them so they are ready to go at a moment’s notice.
5. Double Your Rewards*
Georgia’s Own Visa® Credit Card is offering double points on holiday shopping and travel until the end of the year! With each gift you purchase, you’re earning double points to treat yourself with. From airline tickets to gift cards, our ScoreCard double reward points will make it easier (and faster) to treat yourself this holiday season.
Don’t have a Georgia’s Own Visa Credit Card? No problem, no worries click here to begin your application.
*Double and triple points valid only on Platinum and Gold Visa Credit Cards. Categories include airlines, car rental, hotels, motels, department stores, online department stores, discount stores, electronic stores, specialty stores, and book stores. Promotional period begins November 1st, 2013 and ends December 31st, 2013. Other restrictions may apply. Please see a loan officer for details.