Everyone wants to save money when they are doing their holiday shopping, and many stores both offline and online have amazing deals when you take the time to look. There are many sites on the web that share coupons, deals, and other special offers from all over the web and these types of sites can be a great help, especially if you are like the many people that are doing the majority of their shopping online. Being able to avoid the holiday traffic and chaos at your local malls is the biggest advantage of shopping online, and every year more and more people are turning to the web for their gifts. Here are some sites that can help you find the great deals that you like to see.
- Dealio – Dealio has all kinds of coupons and deals listed, especially during holidays and other times of the year when people buy gifts. They have deals for both online and offline stores and can save you a lot of money.
- Ebates – Here is a site that has coupons and cash back rebates for all kinds of different online stores, join up and save big during this holiday season.
- Bens Bargains – Bens Bargains is always searching around the web to bring you the best deals on all kinds of products and can save a lot of time on top of the money savings.
- Deal Catcher – Deal Catcher has coupons and deals on all kinds of things from both online and offline stores, another top notch site for saving money.
- SortPrice – Find even more great deals at SortPrice, who don’t want to save money?
- Rather Be Shopping – Here is another source for some great deals and discounts for the holidays and year round.
- Coupon Cabin – Here is a site that offers year round savings like many listed here, but around the holidays special deals are sure to be found and are some of the best deals you will find anywhere.
- Deal Taker – Deal Taker has some amazing deals and coupons listed for Christmas, they also have year round savings but this link goes right to the Christmas section of the site.
- Coupon Album – There are more amazing deals out there than you can imagine for Christmas, why go out to crowded malls when you can shop from home and find holiday deals like these?
- Retail Me Not – Here is a list of 9 categories of great deals, from various products to free shipping there are some nice deals to be found here.
- Savings Lifestyle – This blog is updated daily with great offers that they find around the web, it is definitely worth taking a look here and seeing what they have found.
- Deal News – Another site updated frequently with great deals for Christmas and any other time.
- E Deal Info – Even more great deals for you this holiday season, with a tough economy you definitely want to get the best prices you can as you are checking items off of your shopping list.
- Shortcuts – Shortcuts always has good deals, no matter what time of the year it is, but when holiday shopping it can be extremely helpful, especially with some of the coupons if you are doing offline shopping as well.
- Christmas Place – This one is a bit different because this site is loaded with Christmas decorations, ornaments, etc. at good prices. Some people do give ornaments as gifts so it may help you there, but most of all it will help you get your house already for Christmas.
Image Credits: myeralan
Categories: Uncategorized
Everyone knows that credit card debt is a huge problem around the world, just in the US alone credit card debt affects so many. In most cases the credit card debt is because of irresponsible credit card use, but sometimes it is because so many people are using their credit cards just to help make ends meet every month. We have covered debt and responsible credit card use many times in our blog, but since the holiday season is approaching we wanted to write about irresponsible credit card use during the holidays.
Every year when the holidays arrive people spend a lot of money, many times it is not cash people are using for their holiday shopping, instead they are using credit cards to pay for most of their purchases. This is fine if you are careful not to overspend and you will be able to get it paid back within a few months after the holiday season is over. Once again this is not the case and many people spend way more than they can afford when this time of the year approaches. Christmas is one of the leading times of year for people to dig themselves deep into credit card debt, and then they can only keep up with minimum payments afterwards, and just paying the minimum is going to cost you more and more in the long run when the interest is factored in.
There are many things you can do to help eliminate credit card debt due to the holidays, and once you find what works best for you then you can have a great Christmas every year without causing financial problems for yourself.
- Research other credit cards – If you have a high interest card then try spending some time finding one with a lower interest rate. Many times you can find a good card with a lower interest rate that also gives you other benefits such as 3 months with no interest. A few months of no interest can really help out if you limit what you spend on your card to what you know you will be able to pay back within the no interest time frame.
- Start saving early – This is the best way to go in my opinion, as soon as Christmas is over start putting money away for the following year. Doing this will give you plenty of cash so you don’t even have to touch a credit card, if you can put away $20 each week out of your paycheck starting right after the holidays by the next Christmas you will have over $1000.00 saved up to spend next year when you go shopping. There are many banks and programs you can find that offer special Christmas club accounts, and with many of these you can earn a little extra from interest and special offers many financial institutions offer for these types of accounts.
- Start shopping extremely early – This is kind of the same as saving money all year but instead you could just start doing your shopping in January or February. If you pick up a couple gifts each month by the time the holiday shopping season arrives again you will already be finished, or at least very close to it. Then you can go out and finish the little bit of shopping you have left when the holiday deals come out every year. This is a great way to use your credit card responsibly since you won’t have to charge much if anything at all.
- Search for better deals – I know for me personally I have been doing my holiday shopping strictly online and I have found better deals than I would find at any Black Friday sale and it is much more convenient. Spend some time comparing prices on the web and you can save a lot of money in most cases. There are many sites that offer price comparisons on products that can make this easy. If you do this throughout the year you can save a lot of money and you will not have to deal with the madness of physically going out shopping during the holiday season. It is really a win-win since you can enjoy the convenience of your purchases delivered right to your door and you can also save a lot of time and money.
Hopefully these tips can help you plan better and save some money, and most importantly help you stay out of credit card debt. It is very easy to fall into that holiday shopping trap and maxing out all of your credit cards without even thinking about how you will pay it all back. When using a credit card you should always make sure you will be able to pay it back in a timely manner because the high interest rates of many credit cards will get you deep into debt very quickly.
Image Credits: jimmiehomeschoolmom
Categories: Credit Cards
