Holiday Shopping

With the holiday season just around the corner, I figured I would share some interesting ideas for NOT going into debt this year. I know we all want to pamper and spoil our loved ones, but there comes a time that you have to draw the line inbetween being generous and being insane.

For those who have a big heart, but not a big paycheck: read on…

  1. Take cash out before a shopping trip and put in an envelope. Leave your credit cards at home and only use you alotted money that you have budgeted yourself.
  2. Use apps and websites like RetailMeNot, Hautelook, Ruelala, and Looksy to get great, designer looks for less.
  3. Never buy full price. Ever. Don’t do it. You’ll regret it. Do you hear me?
  4. If there is something major that you are buying for somebody, shop around. Instant gratification is not a feeling you want while holiday shopping. You’ll end up finding the exact item somewhere else for $100.00 less. Believe me, it happens.
  5. Do not procrastinate. Start thinking about gifts now. If you aren’t exchanging gifts, think about what you and your loved ones will be doing instead. Dinner? Great…get a reservation ready. Movie Outing? Even better…start making plans.

This year, I started saving for presents in August. I used my savings account as a safe haven for my money (literally). Today, I “cashed out” and once the money arrives into my checking account, I will be on my way to the bank with a crisp envelope ready to withdraw it! 

Shopping on a budget isn’t the most fun. I know we would all love to have an endless amount of money, with sales and beautiful items at our fingertips ready for us to buy…well, the latter actually exists, but you get what I mean. This isn’t dream land, and we don’t have an endless supply of money.

Happy budgeting!

K

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Another Day Another Dollar

Since we last spoke, I traveled down to Long Beach Island to go on family vacation. I realized that I wouldn’t have access to a computer…but, alas, I am able to write about my demise via iPad. SIGH. The things that have happened since I’ve been here. Even though I have unsubscribed to many email lists, they are relentless! Unfortunately, many companies have not gotten the clue that I do not want to be part of their terrible club of constant buying pointless crap I don’t need.
As my readers, I feel that we should be totally honest with each other. I bought hard this week. I know I’m sorry. Don’t give me that judgement face.

I first became sucked in by shoedazzle.com because their selection of shoes is beyond amazing. I bought clearance heels for $20.95. Not so bad right? Well, read on. I also ordered a pair of adorable Jack Rogers that were off of ruelala.com with another $20.00 credit that was given to me by their emails. I’M SORRY! I couldn’t help myself. I know I’m in denial, and I apologize severely.

Ok, confession over. That’s all that was hanging over my head. I need to buckle down!! My addiction to shopping is so materialistic and I hate myself for it!

Sigh sigh sigh. On a higher note, I have withheld myself from shopping on vacation. From the obvious alcohol purchases and food, I have yet to buy anything stupid.

I have had enough grief from my mother, so please find it in your heart to forgive me! Saving starts….Monday?