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Tips on spending wisely
While splashing out on presents is part and parcel of Yuletide joy, being nice can result in a debt hangover. And trust us, you don’t want to go there. But come New Year, that can hit you pretty hard if you haven’t planned ahead.
Best yet, it’ll keep you from overspending on yourself as you shop for gifts for others – a big pitfall of many festive shoppers.
Top three Dos:
Set a budget
This is the most important step towards financial well-being and can be used any time of the year. Check how much you have to spend or set aside a sum you can spare and that you are realistically prepared to spend.
Make a to-buy list
State the name of the gift recipient and the item you wish to purchase. Be sure to include the estimated price of the item. Add up the estimated prices to see if the sum tallies with your budget.
If the final tally exceeds your initial allocation, make adjustments by looking for a cheaper alternative.
Shop with the list
doing so lets you focus on the actual items you have to purchase, instead of getting distracted by impulse buys. Record the price of each item you buy to ensure that it is with in your prepared budget.
Top three Don’ts
Don’t impulse-shop
Step away from store offers by giving yourself some time to think. Having a cooling-off period lets you weigh the pros and cons of a potential purchase.
Don’t window-shopor; shop online
This cuts down on the temptation to make impulse buys. Be organised about your shopping trip – go in with your list, and stick to it. Online shopping also carries the risk of overspending on a credit card.
Avoid maxing out credit cards; use cash or a debit card instead
Credit card companies charge interest on the amount spent. If the outstanding amount is not settled within a specified period, you could end up paying a lot more than the initial sum owed.
Save yourself unnecessary angst by using cash or a debit card to make point-of-sale purchase.
So, having dispensed these festive tips, we wish you Merry Christmas and Happy New Year. And happy shopping, too.
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