HOLIDAY SHOPPING TIPS

Develop A Budget:

Plan a budget that is appropriate for your financial situation. Identify your current monthly income and expenses, which will guide you on how much you can spend for the holiday season. It is important that once you create a budget to stick with it!

Cash is King:

Try to use cash when doing your shopping.  Credit cards allow you to spend money you do not necessarily have, and to repay what you have spent over time, plus interest, instead of all at once.

Comparison Shop:

Once you have that holiday gift list, be an educated shopper and compare prices. You might be able to save $20, $30 or more if you find the same product online or at another store. You may have to invest some time into shopping, but in the long run it will save you in the wallet.

Discount Shopping/ Use Coupons:

Many stores offer friends and family coupons. Take advantage of early bird specials and discount hours for additional savings. For example, the day after Thanksgiving consumers can often take advantage of large discounts if they arrive when the store opens.