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Posted November 30, 2020

Still not finished holiday shopping? It’s okay – even though 47% of shoppers finished in October, there’s still time for you to enjoy shopping and save money.

Here are five ways to curb your spending and get all the gifts you need.

1. Use credit card rewards to buy your gifts.

Have credit card points building up so you can buy yourself a gift card? Why not use those points for a gift for the holidays instead? You’ll be saving money, using what you already have, and don’t have to go to the store.

2. Plan what you need.

Don’t head into a store looking for a good idea. Brainstorm before you stop by so you at least have an idea of what you should get. You can also look online to price match and see if the store has what you need in-stock.


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3. Budget, budget, budget.

This is important, especially if you still have a long list of things to buy. Sit down and see how much you want to spend per gift and then find gifts that match that amount.

4. Decide what’s being purchased with credit cards.

If you’re doing some last-minute budgeting and realize you don’t have all the cash up front, that’s okay. Just make sure you know what’s going on a credit card and have a plan to pay it off so you don’t go into debt.

5. Propose a new gifting idea.

Not the only person in your family or friend group struggling to finish shopping? Suggest doing a White Elephant or gift card exchange or draw names for a Secret Santa. You’ll save everyone time and money and avoid holiday stress.


For more tips and ideas, visit the A+ Holiday Resource Center.