The holidays come around at the same time every year.
But somehow--they still manage to feel like they're sneaking up on us.
So how can you use the next 40 days to save for your holiday shopping?
"We plan all year. I mean this is the busiest time of year for gifts," says Williston resident, Nick Johnson.
That's right, Nick. Tip One. Plan ahead.
Financial Associates, Thrivent Financial
"So that you're purchasing everything with cash that you've saved up and budgeted for," says Greg Everson, financial associate at Thrivent Financial.
Which leads to tip number 2.
"We come up with an amount per person. We also have our three children that have their birthdays around Christmas so we do those as well," says Johnson.
That's right, Nick. Come up with a budget and stick to it.
"Keep away from impulse spending or guilt spending," says Terry Oxendahl, also a financial associate at Thrivent Financial.
Avoid buying items simply because you find a good sale. Instead, like Santa Claus, come up with a list of things you want to buy, check it twice, and then stick to it.
"With all the internet options available, it makes it easy to do comparison shopping. Is that the best deal we can get at this particular place?", says Stuart Langager, financial associate at Thrivent Financial.
And remember the value of handmade gifts.
"We've been more creative. Sometimes we get stuff for their rooms or we'll paint their rooms," says Johnson.
That's right, Nick. Tip # 3, be creative.
"My wife does a lot of sewing. The grandkids are going to get Raggedy Ann dolls. I shouldn't be saying that because they might be listening," says Oxendahl.
Too late. ..And remember, sometimes it's the small things that can be the biggest gift of all.
"Get together as a family and do some charitable giving," says Everson.
"Our kids would go out and make baskets with nice gifts and go out and Christmas carol those people. And there would tears in the eyes of everybody, the giver and the receiver," says Oxendahl.
Because though it's an occasion for gift giving, the holiday season is simply about being giving.
If you do want to spend the next few weeks saving for your holiday spending, it's a good idea to write down where all your money is going.
That way you can identify areas where you can trim costs.
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