{"id":42677,"date":"2022-11-03T15:33:42","date_gmt":"2022-11-03T19:33:42","guid":{"rendered":"https:\/\/ilgfinancial.com\/staging\/2370\/?p=42677"},"modified":"2022-11-03T15:33:42","modified_gmt":"2022-11-03T19:33:42","slug":"tips-to-control-frenzied-holiday-spending","status":"publish","type":"post","link":"https:\/\/ilgfinancial.com\/staging\/2370\/tips-to-control-frenzied-holiday-spending\/","title":{"rendered":"Tips to Control Frenzied Holiday Spending"},"content":{"rendered":"

\"\"Take an organized approach to holiday shopping and actually enjoy it<\/em><\/p>\n

If advertisements and commercials are beginning to feature scenes of happy families, clad in brightly colored sweaters, gathered by a fire, surrounded by an assortment of presents, then the countdown to the holidays has begun.<\/p>\n

Although it may be a joyous time that reunites old friends and distant family members, one dilemma you may face is how can you avoid the pressure to overspend, yet still have the pleasure of buying presents for your family and friends?<\/p>\n

The key strategy is to plan ahead.<\/em> Begin by writing down the names of those you plan to buy for \u2013 at least one gift idea for each person on your list \u2013 including a general idea of where you might find his or her gift. If you don\u2019t know what type of gift you would like to give, browse through mail order catalogs, TV advertisements, and newspaper flyers for some ideas. This could help you avoid the trap of making your decision while in the store \u2013 when impulse buying may cost you more than you wish to spend.<\/p>\n

Setting a limit on the number<\/em> \u2013 and cost<\/em> \u2013 of the gifts you plan to buy can help you stay within your budget and allow you to purchase appropriate gifts for the special people in your life. Once you have your list, and estimate the cost of your proposed purchases, you can adjust it so the total expenditures fit into your holiday budget.<\/p>\n

Shopping Strategy<\/h3>\n

To prevent overextending yourself, keep the following principles in mind:<\/p>\n

    \n
  • Shopping early and using the layaway plans offered by many stores might help you complete your shopping before the \u201choliday rush\u201d begins. However, you may want to remember that some of the better sales come closer to the holidays.<\/li>\n
  • Whenever possible, pay by cash or check, rather than by credit cards. High interest rates and the enticement to \u201cpay later\u201d may lead to a larger debt than you can afford.<\/li>\n
  • Consider exchanging names among a group of friends or family with a set dollar limit to purchase a gift for one person. Remember, it\u2019s quality<\/em>, not quantity<\/em> that matters when giving.<\/li>\n
  • Think about pooling your resources with other family members to buy gifts for individuals, particularly if it involves a rather expensive present.<\/li>\n
  • When in doubt, purchase a gift certificate from a person\u2019s favorite store. With this type of gift you avoid overspending because you are purchasing a pre-determined amount. Chances are, your loved one will have some fun picking out the item they desire.<\/li>\n
  • Look to purchase \u201cstocking stuffers\u201d at a discount store all in one trip. This will help you avoid impulse buys.<\/li>\n
  • Prevent the \u201creturn blues\u201d by saving all your receipts for gifts in one envelope. Label each slip with the items you purchased, where you purchased them, and for whom.<\/li>\n
  • Handmade gifts and cards are sometimes the best gifts received. Use your creativity and talent to give the gift of yourself, it\u2019s often a personal touch that is greatly appreciated!<\/li>\n<\/ul>\n

    Taking an organized approach to holiday shopping can make the experience enjoyable for many reasons. First, you will be getting the most value for your dollar. Second, you will now have the time to really relax and enjoy the holidays, knowing your preparations are complete.<\/p>\n

    \n

    Copyright \u00a9 2022 FMeX. All rights reserved. Distributed by Financial Media Exchange.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Take an organized approach to holiday shopping and actually enjoy it If advertisements and commercials are beginning to feature scenes of happy families, clad in brightly colored sweaters, gathered by a fire, surrounded by an assortment of presents, then the countdown to the holidays has begun. Although it may be a joyous time that reunites old friends and distant family members, one dilemma you may face is how can you avoid the pressure to overspend, yet still have the pleasure of buying presents for your family and friends? The key strategy is to plan ahead. Begin by writing down the names of those you plan to buy for \u2013 at least one gift idea for each person on your list \u2013 including a general idea of where you might find […]<\/p>\n","protected":false},"author":48,"featured_media":42678,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-42677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ilg-financial"],"yoast_head":"\nTips to Control Frenzied Holiday Spending - ILG Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ilgfinancial.com\/tips-to-control-frenzied-holiday-spending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips to Control Frenzied Holiday Spending - ILG Financial\" \/>\n<meta property=\"og:description\" content=\"Take an organized approach to holiday shopping and actually enjoy it If advertisements and commercials are beginning to feature scenes of happy families, clad in brightly colored sweaters, gathered by a fire, surrounded by an assortment of presents, then the countdown to the holidays has begun. 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