Best Tips for Christmas Shopping

Read More

Christmas ShoppingBest Tips for Christmas Shopping

It is so easy for spending to get out of control at Christmas time. If you want to avoid having to take most of next year to pay back your Christmas debt, here are the best tips for Christmas shopping.

  • Start by making a Christmas budget, with a list of names of people to buy for and how much you want to spend. To keep track of how much you spend on each person, use cash and divide it into envelopes with the name of the person on the front.
  • Use reward points you have accumulated through the year to buy Christmas gifts.
  • Shop online so you can take your time and hunt out the best deals. Sign up to email newsletters and facebook pages of your favourite retailers because often they have special discounts for people on their lists.
  • Avoid panic buying by doing your shopping well before Christmas. Go to the shops when it’s quiet, such as first thing in the morning or late at night so you can be the first to get bargains and take your time to decide what to buy.
  • Get more bang for your buck by giving small stocking filler presents and money or vouchers to use at the Christmas and New Year sales.
  • Buy family or group gifts such as hampers, vouchers for activities, and games that can be shared or for big groups, have a Secret Santa party.
  • Look after yourself as the first priority. Make sure you pay all your bills and take care of your own needs before you give to others. However, don’t be tempted to buy unnecessary things for yourself when buying gifts.
  • Taking advantage of January sales to buy essentials and stocking fillers for next year at bargain prices.

Have a happy debt-free Christmas!

Related Articles

Economy
Liz Koh

Budget Winners and Losers

The latest Government budget had something for everyone but while most households will be a few dollars a week better off, there are some clear winners and losers. In the winners’ corner are businesses, those on high incomes, and savers. The biggest losers are property investors who have built large portfolios financed partly by tax rebates.

Read More »

Top Up or Miss Out

The end of June is an important date for KiwiSaver members. The financial year for KiwiSaver runs from 1 July 2009 to 30 June 2010 and if you have contributed at least $1,040 to KiwiSaver during that time, you will be eligible for the full amount of Government tax credit to be paid into your KiwiSaver account in July.

Read More »

Responsible Investing

There is a worldwide trend for investors to want to make a positive contribution to the world by investing in companies that are socially and environmentally responsible. If you are passionate about the effects of climate change, the scarcity of food and water, and social or environmental policies in general, then you will no doubt wish to ensure that the companies in which you invest are going about their business in a manner that is consistent with your views.

Read More »

Helping You Live your retirement To the Max

Keep in touch

Fill in your details and we’ll get back to you in no time.