This time of year is all about giving, but it can be tempting to gift yourself a few bits and pieces as well. When money is tight, this can be difficult so I thought I'd share a few tips I've picked up!
- Think carefully about your purchases. Don't impulse buy. How much use will you get out of this item? For how long will it make you happy? For example, I recently bought some Doc Martens that I wear regularly and will last me a lifetime, however I did not buy another Christmas jumper this year as I already have one and you can only wear it for a short period each year.
- Prioritise. If you want a couple of things, choose one to buy now and wait until next pay day for the other. Or just buy the one that you prefer and leave the other.
- Wait for good discounts! My Doc Martens were 20% off at the time, and things regularly go in the sale. If it's not a necessary purchase it can wait until you get a better deal.
- Ask for things you want for Christmas rather than just saying 'I don't mind what I get!'. That way, gifts for you are easier and you get things you want rather than just another bath set. (I'm not knocking a bath set, I love them. Just that if you want something ask for it!).
- See if you can spread the cost. I don't personally do this, as I prefer to save but many of my friends use Klarna (not an ad, just an example) and things like that to make shopping easier.
- Do your finances/budgeting properly so that if you buy something expensive you don't run out of money! I know this is boring but this is important. For tips on this you can read my blog post about it here.
- Keep the receipt! If you feel guilty about buying something or change your mind, take it back.
- Do some research. You may find this item cheaper elsewhere.
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