6 saving tips for Christmas in July

6 saving tips for Christmas in July

Christmas in July and save in December

As with recurring cold sores caused by “stress,” the holiday shopping season begins in less than six months. These are our 9 money saving tips for Christmas in July and be prepared when the holidays come.

Note: This article contains affiliate links. This means we receive a small commission, at no cost to you, if you purchase items through these links. We only recommend products that we use or that we have thoroughly reviewed and would recommend to our mothers.

It’s almost literally Christmas

While you enjoy a cool drink and sit on a lawn chair with your feet in the kiddie pool, the Debt Free Guys have come up with nine ways to prepare for the insatiable need to spend money you don’t actually have on others you don’t really like because of the most important thing ever or the biggest lie ever.

1. Use your budget for Christmas in July

By now you’re saying, “John, if this is another long list of money tips I already know, I’m out of here.” To that I say, “Let’s build a base, then Christmas.”

You can’t create a spending plan without knowing how much money you have. First, decide what you want Christmas The budget for Christmas shopping is. How much money can you spend on Santa in July to save Benjamins in December? Every year we set our Christmas budget in July and then deduct 10 percent. This keeps our spending in check, especially when we are suffering from budget and waistline problems over the holidays.

Don’t have a budget? The Budget Buster Package is the best and only budget you will ever need.

2. Put together your Christmas list in July

“John!” you say. To that I say: “Chill like a whiskey slush!”

Then, before you jump into the eggnog, make a list of the people you want to buy your low-key, gender-neutral Christmas gift for. Most financial success comes through planning. Know who you are buying for and why. If the best reason you can think of to put someone on your Santa shopping list is, “Well…” . . Because . . . “Then they have to be faster than a politician during a break.

3. Fiesta shopping in the 7th

Americans still have a month and a half left to travel, vacation and road trip, or as they say elsewhere, vacation (no, the Madonna joke is next). Armed with your budget and the appropriate list of gift recipients, consider off-season, unique and non-native gifts as you foray through boardwalks, vacation destinations and rare gift and art shops. How creative is it to give away a sweater for Christmas?

Let your loved one know you were thinking about them while you were on the other side of the country or world for some “me time.” Buy them something they can’t find at their local mall or that Amazon can’t deliver via drone.

4. Miles Away isn’t just a Madonna song

When we travel, we usually only think about airline miles and points, and we usually travel in the summer. However, miles can be used instead of money for things more tangible than sand and sea. The airline industry is obsessed with reducing seat space and charging more than governments raise in taxes. However, we would rather pay more taxes than get a black eye.

Who knows how long your airline miles will be worth? Use miles to buy Christmas gifts. Log in to your airline account and earn miles.

5. Ladies don’t be late

As every lady knows, it’s not good to be late. If you wait until Black Friday to do your holiday shopping, it will be too late. That’s why we celebrate Christmas in July.

Yes, retailers are offering “cash deals” throughout the holiday shopping season. What they don’t tell you is that they increase prices in the fall so they can “mark down” these items on Black Friday. They also lower prices on some items – loss leaders – to lure you into the store and raise prices on other items. Loss leaders can make you a loser. Avoid psychological manipulation and crowds by doing your holiday shopping in July, before the first trick-or-treaters arrive.

6. DigiShop when things get hot

You may say, “Well!” to this suggestion, but think about it. It’s still six months away. You have time to figure out what you want to buy for that special someone and then shop, search and shop for the best deal. Download Ibotta to your phone and find instant discounts and rebates on items you’ve already purchased at your favorite stores, restaurants, grocery stores and movie theaters when you scan receipts with your smartphone’s camera. Apply rebate and refund savings to your gift.

Sign up for email updates. Retailers often send discounts and special offers to their “favorite customers”. Add items to your virtual cart until you receive a notification that the price has dropped.

Download Chrome’s Honey to your computer before Cyber ​​Monday to enjoy valid discounts, free shipping and holiday promotions automatically applied to your holiday shopping.

7. Club Xmas in July Account

Open a Christmas Club account. Visit your local bank in July to open a Christmas or holiday club account. Deposit some money from each paycheck directly into your new account so that the money is available when it’s time to spend. If you do it right, you won’t miss that money every paycheck and you’ll avoid credit cards this holiday season. Granted, you’ll get less interest on a savings account than your teenager, but this isn’t a get-rich-quick plan. We give something to others.

As you open accounts and set up direct deposits, Learn how to get back late on your bills.

8. Think about giving and gift cards when grilling

Longtime readers know we’re not a fan of gift cards, even though they have their place. Unlike the extremes of both political parties, we don’t expect everyone to be like us. If you are purchasing gift cards or have a recipient on your list who prefers gift cards, purchase your gift cards now. Websites like GiftCards.com and GiftCardGranny.com rotate special offers on various gift cards throughout the year. Until the gift-giving season arrives, you can find the perfect gift card for the perfect person at a deep discount.

9. Holiday hoarding in the heat

We don’t want to see you on the Learning Channel any time soon, but this July, stock up on holiday items you know you’ll be buying, like Christmas cards, decorations, and lights. Amazon, OverStock.com and almost every online retailer have stocks of Christmas items at bargain prices in July. With the advent of the Internet, the days of saving are over from December 26th. Pour your favorite summer sangria and stock your Christmas decorations with only the things you really need (does anyone really need a Christmas wreath for their car?).

These tips will help you get through this holiday season better than Nancy Kerrigan at the 1994 U.S. Championships.

Make the rest of your financial life as smooth as possible Learn how to budget like a bada$$.

Note: This article contains affiliate links. This means we receive a small commission, at no cost to you, if you purchase items through these links. We only recommend products that we use or that we have thoroughly reviewed and would recommend to our mothers.

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