Inside: Looking to celebrate Christmas on a budget? This guide has you covered with creative and affordable ways to do just that.
Are you stressed out about how to afford a fabulous Christmas on your budget? Worry not.
This festive season isn’t about how much cash you fork out, it’s about creating lasting memories and spreading joy.
Why let financial woes dampen the joyous yuletide spirit when you can celebrate a charming Christmas on a budget?
Remember, it’s your money, your decisions, and your rules – no guilt trips or social pressures should force you into spending Christmas in debt.
Today you will learn:
Determine your Christmas budget: Figure out what’s a comfortable amount for you to spend and stick to it religiously.
Be creative with gift giving: Homemade presents or heartfelt letters can be more valuable than pricey items.
Find simple ways to save money: Use these money saving tips to enjoy a festive holiday season.
This holiday season, celebrate responsibly, within your means, for a Christmas that’s merry, bright, and totally guilt-free!
Why Celebrate Christmas on a Budget?
Embracing a budget-friendly Christmas can prove to be not only a smart choice but one filled with warmth, delight, and genuine joy.
Enjoy valuable family bonding time with exciting games and shared activities. Volunteer work, a day of holiday baking, or a simple drive-through Christmas lights sightseeing trip can leave a lasting impression. Look through this Christmas bucket list.
Opt for economical, yet thoughtful gifts or stick to fun gift exchange rules, such as the “four gift rule” for your kids. Remember, it’s the sentiment behind the gift that matters the most.
In essence, an economical holiday season needn’t be a dull affair, rather it’s an opportunity to make it more heartfelt and unforgettable.
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What to buy for Christmas on a tight budget?
Yes, friend, you can buy meaningful Christmas gifts while sticking to a budget.
In fact, the thought behind a gift is often what makes it special, not the price tag.
A few ideas include homemade gifts, gift cards, subscriptions, and second-hand items. With a little creativity, you can find the perfect present for everyone on your list without spending a fortune.
Below you will find plenty of great gift guides for Christmas that won’t break the bank.
Benefits of a Budget Christmas
1. Allows you to plan ahead and stay on track 2. Prevents overspending 3. Buy gifts that are within your budget 4. Focus on quality over quantity 5. Ensures that everyone gets a gift 6. Helps you avoid debt during the holidays 7. Prevents you from feeling stressed out about money during the holidays 8. Be creative and come up with unique gifts 9. Save for next year’s holiday budget 10. Stay connected to the spirit of the holidays
Savings with Christmas on a Budget
From homemade Christmas decorations to unique gift ideas, it’s possible to create magical moments that’ll last a lifetime without a hefty price tag.
Embrace the true spirit of Christmas – love, family, and togetherness, rather than commercialism, and read on to discover how.
Learn the simple ways to celebrate the festive season without breaking the bank with our creative and budget-friendly Christmas ideas.
1. Think about a No Gift Christmas
Having a No Gift Christmas is a creative and budget-saving alternative to traditional holiday festivities, especially suitable if funds are tight. Why not consider it?
Here are some benefits:
You can alleviate the holiday stress often associated with spending on gifts.
It fosters the idea of Christmas as a season of togetherness, not just gift-giving.
It offers the potential for unique and memorable experiences, like volunteering or creating fun traditions with your loved ones.
Remember, having a memorable Christmas doesn’t have to cost much, or anything at all Learn more about a no gift Christmas.
2. Make Your Own Gifts
DIY Christmas gifts are your perfect solution. They not only save pennies but are laced with your love and creativity.
Start by exploring plenty of creative gift ideas available for free online. Need help? Look for “homemade gifts for Christmas” and you’ll be surprised.
Compile a list of possible gifts from homemade candles to personalized coupon books, keeping the recipient’s likes in mind.
Remember, your efforts will reflect in your gift. So, unleash your creativity and let the magic begin.
3. Borrow Instead of Buy
Borrowing instead of buying is a clever way to have a festive holiday while keeping things budget-friendly. This concept is simple: swap decorations, games, or even gifts with friends, neighbors, or family
Discuss your idea with your circle and organize swapping parties to exchange items.
The key is to creatively engage and make it a fun, budget-conscious activity. After all, Christmas is about sharing and caring!
Remember, return borrowed items in their original condition to maintain trust.
4. Attend Free Events
The Christmas season doesn’t have to be a strain on your wallet. Attending free community events can provide fun and festive celebrations:
To find these events, check your local newspaper or community websites. Be sure to:
Take advantage of free refreshments, but also bring your own to share.
Consider hosting a potluck dinner before or after community events.
Attending free events supports your local community.
Remember, Christmas is about togetherness, not extravagant spending.
5. Make Your Own Decorations
To create a festive atmosphere this season, you could repurpose items around your house or make your own decorations.
Choose a color theme and gather items in those shades, then place them together on a mantel or coffee table to create a coordinated layout.
For a natural touch, clip pine needles, branches, or herbs from your garden, and enhance them with glitter.
Additional budget-friendly options include taking advantage of sales and discounts at thrift stores or crafting handmade decorations such as ribbons from fabric strips or Christmas cookie ornaments.
6. Keep Track of Your Christmas Expenses
Just like throughout the year, budgeting is critical to your financial success.
Nothing changes with Christmas, it is crucial to track and budget your holiday expenses. Jot down every potential cost – from the Christmas tree, and food, to holiday décor.
Be thoughtful about what you really need and opt for items you can use for years.
This is one of the cash envelope categories I recommend saving for. To effectively manage your expenses, assign specific dollar amounts to each item on the list, ensuring you stay within your budget.
Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.
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7. Share the Spirit
Embracing frugality during the holiday season can not only help you save money, but can also create memorable experiences and meaningful connections.
Small gestures, such as sending heartwarming physical letters to loved ones instead of emails, can still convey thoughtfulness and spur the holiday spirit.
By centering your holidays around family activities and endeavors, like homemade ornaments or a scavenger hunt with small gifts, the focus shifts from materialism to fellowship and unity.
Find more frugal Christmas ideas.
8. Check Out Bargain Stores
Bargain stores provide the perfect solution for savvy holiday shoppers looking to save money without compromising on quality or variety. Not only can you find unique, quirky gifts, but you can also keep a lid on your spending while doing so.
Stores like consignment shops or websites such as Craigslist often have high-quality used toys that are nearly new if you’re willing to look carefully.
Another option is to look at discount retailers like TJMaxx as they often host sales during the holiday season, making it even easier for you to save money while hunting for the perfect gifts.
9. Save Money Throughout the Year
Automating your savings for the Christmas season can be a practical and efficient strategy. The 100 envelope challenge is perfect for this!
By setting aside just $50 each month, you could accumulate up to $600 by December, providing a decent budget for your holiday expenses. This method can ease the financial stress during the holiday season, letting you enjoy the festivities without worrying about overspending.
Consider setting up automatic transfers to a high-interest savings account. This ensures your Christmas funds grow without your intervention.
Lastly, try a no-spend month where you only cover essential bills, giving your savings a significant boost.
10. Start a Side Hustle for More Money to Spend
Engaging in side hustles throughout the year can help you significantly cover your holiday expenses.
By delivering food, completing microtasks, selling gently used items, or shoveling snow, you create extra earnings that can go directly into your Christmas fund.
For instance, extra income from a seasonal retail job could help finance gift-purchasing without straining your usual budget.
This strategy not only prevents potential post-holiday debt but also allows you to enjoy the season without financial stress.
In fact, more people are interested in how to make money online for beginners.
This is the perfect side hustle if you don’t have much time, experience, or money.
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11. Shop Online Instead of Going to the Mall
Shopping online for your Christmas gifts can seriously ease your holiday stress, and potentially save you money.
Let’s explore why skipping the mall and clicking your way to a merry Christmas might be your best bet this year:
No dealing with holiday crowds or cranky shoppers.
Enjoy sales and deals without leaving your home.
Track prices over time to grab the best deals.
Use Rakuten to save even more money on purchases.
For smart online shopping, prepare a list of gifts before diving in. Take advantage of the “wish list” option on platforms to curate items of choice and make sure you first glance over deal sites before making purchases.
12. Have a Christmas Potluck
Host a festive potluck! Invite friends and family, asking each to bring their favorite dish.
Here are some tips for a successful event:
Get organized and ask guests to bring specific types of food. This prevents duplicate dishes and ensures a balanced meal.
Introduce a fun element. Try a cookie swap or a silly game like “Guess the Cookie.”
Keep decor simple. A large vase filled with greenery and baubles can effectively replace a pricey Christmas tree.
Remember simplicity is key in food and decor. Costly ingredients and complicated recipes aren’t prerequisites for a memorable Christmas.
Remember, the holiday is about togetherness, not extravagance!
13. Make Your Own Cookies
There’s a unique pleasure derived from making your own cookies during the holiday season instead of buying them. More so, the cookies you’ve invested your time and creativity into can double as thoughtful, homemade gifts, adding another level of sentiment.
Apart from being a cost-effective option, it brings an opportunity to bond with friends and family during cookie exchange or decorating gatherings.
Making your personally crafted cookies also gives you control over ingredients catering to specific dietary needs or preference
Indeed, making your own cookies adds value that surpasses the mere cost savings, it infuses the holiday season with warmth, joy, and a sense of shared experience.
14. Cross Off Activities from your Christmas Bucket List
Having a joyful Christmas doesn’t necessarily mean overspending. In fact, integrating cost-effective activities into your holiday routine can make the season more meaningful and fun.
This Christmas Bucket list post offers an extensive and diverse list of creative ideas for budget-friendly Christmas shopping, gifting, and celebrating.
Additionally, downloading the free printables and a Christmas Budget Template will make the process even more manageable and fun.
15. Have a No-Gift Party
A no-gift Christmas party is an affordable and fun holiday celebration where attendees do not exchange gifts. It’s a great option for those looking to save money and still enjoy the festive season.
Here are steps to make it happen:
Step 1: Decide on the party type, either a simple gathering or a potluck dinner.
Step 2: Inform guests about the no-gift policy in advance.
Step 3: Organize exciting, cost-effective activities such as a game night.
Step 4: Engage guests with games for a joyful event.
Expert Tip: Conversation and laughter are your best tools.
16. Make a Christmas Memory Book
Creating a Christmas memory book is an affordable and engaging way to celebrate the holiday season, especially when you’re on a tight budget.
To start, you can utilize items already at your disposal in your house such as old photos, greeting cards, and crafts.
Spend some time penning down heartfelt messages and your favorite holiday memories associated with each picture or craft. Embellish the pages with affordable decorating materials like glitter, stickers, or color pens.
Not only does this create a personalized touch, but it also serves as a nostalgic keepsake that can be cherished for years to come.
Tip: Digitize your memory book by creating an electronic version. This can also help preserve the original items.
17. Spend Time With Loved Ones
Celebrating Christmas on a budget doesn’t mean skipping on the fun.
It’s about cherishing time spent with loved ones, harnessing creativity, and making priceless memories that last a lifetime.
Here are some cost-effective activities you can embrace this festive season:
Share stories of memorable Christmas experiences.
Organize virtual celebrations with extended family and friends.
Create your own family-themed board game.
Bake Christmas cookies or make a popcorn Christmas tree.
Stream a Christmas church service.
If snow is around, engage in snow play.
Dance to classic Christmas music.
Put together an annual family calendar.
Participate in one of these Christmas Challenges!
Remember, it’s not about what’s under the tree that matters, but rather, who’s around it.
18. Stash Christmas presents all year
Do what I do! Begin addressing the issue of holiday budgeting by stashing Christmas presents all year round.
This is a smart and stress-reducing move!
Find deals throughout the year rather than spending lavishly in December. Hang on to items like discounted gifts in your secret gift closet!
As you build an inventory of diverse items, you will be ready for birthdays or sudden party invites – you’re always prepared!
Just be careful to stop shopping when your list is fulfilled to avoid overspending.
19. Write a Christmas Gift List
Creating a Christmas gift list can be an effective way to manage your holiday spending. This helps you understand the overall picture of your holiday expenditure.
Start by writing down the names of every person for whom you consider buying a gift.
Then, determine how much you’re willing and able to spend on each individual. This helps you understand the overall picture of your holiday expenditure.
Take time to brainstorm potential gift ideas within your decided budget for each person. This process can be even easier and more informative if you’re able to reference a gift list from previous years.
Ultimately, the goal is to ensure that your total intended spending is reasonable and manageable for your personal financial situation.
Remember, you may not need to buy gifts for everyone on your list – some individuals might appreciate homemade or free gifts just as much.
20. Choose Great holiday things to do for less
Set aside the societal notion of linking the joy of holidays to copious spending, and welcome small, inexpensive, yet heartfelt gestures.
Adopting a mindset that finds value in low-cost or even free activities, especially during the holiday season, can not only alleviate financial pressure but also create cherished memories.
Instead of focusing on extravagance and materialistic desires, turning attention to experiences and emotional bonding can revolutionize the celebration!
You can always find things to do on Christmas Day.
21. Think Outside the Box With Gifts
Finding affordable gifts doesn’t mean you have to sacrifice quality or thoughtfulness.
By utilizing a gift guide such as the 4 gift rule – something they want, need, to wear, or read – you can ensure a well-rounded and meaningful set of gifts for each child.
Alternately, consulting lists of inexpensive yet creative suggestions like those curated by Money Bliss can help you find unique presents that won’t break the bank. These affordable finds range from books, gadgets, to personal care items, and home accessories.
Regardless of budget, the key to successful gift-giving lies in understanding the recipient’s needs and interests.
22. Consider Re-Gifting
Re-gifting is a practical, budget-friendly, and environmentally-friendly way to celebrate Christmas. It allows unused or unwanted items another chance to be appreciated and might save you some cash too.
Here are some regifting tips:
Ensure the gift is in good condition, unwanted but quality, and not linked back to its original giver.
Consider the preferences of the new recipient, ensuring the gift suits them.
Completely re-wrap the gift to give it a fresh appearance.
Some may debate the etiquette of re-gifting but remember, it’s more about the thought and less about where the gift originated.
Making smart choices can ensure a successful and fun re-gifting experience this festive season.
23. Use Gift Cards or Cash App to Stay on Budget
Purchase a prepaid gift card from your favorite store to ensure you’re limiting your spending to a specific amount and preventing the temptation of overspending.
If you’re planning to shop from a range of places, opt for a Mastercard of Visa prepaid card. While there may be an activation fee, it’s ultimately going to be less than what you’d potentially overspend.
Another great option is using the Cash App card and learn where you can load your Cash App card.
Also, you can use budget tracker apps like YNAB or Simplifi. These can help you meticulously keep track of your spending and stay within your budget.
Remember, the key is to stick to a budget and avoid falling prey to impulsive purchases. Using gift cards or these budgeting apps makes it easier to limit and monitor your expenses.
24. Use Money Gift Ideas Wisely
Money gift ideas can be an excellent alternative to traditional presents, especially when budgeting is a critical aspect.
Too many times, money gift ideas are overlooked as impersonal, but a money gift box or money cake will definitely surprise the recipient.
This will guarantee you will stay within your target budget by using money gift ideas.
For larger families, a gift exchange with a set price limit can keep costs manageable.
25. Donate to Charity Or Volunteer
Volunteering at a charity is a meaningful way to give back during the holiday season that doesn’t put a strain on your budget.
Instead of buying more items a person may not need, you’re investing time, money, and energy in causes they care about. Although this doesn’t require a financial commitment, it’s a generous gift full of sentiments.
Furthermore, donating money to a charity in someone’s name is a thoughtful and effective way to honor someone who already has everything they need. It allows the recipient to feel the joy of giving, yet remains a budget-friendly option for the giver.
If you’re keen on frugal yet meaningful ways to celebrate Christmas, how about considering charitable donations? It’s a splendid alternative to traditional gift-giving – not hard on your wallet, plus it makes a difference!
Most people know it is hard enough to buy gifts for the woman you who has everything or kids who have everything.
How to Make a Christmas Budget
A lot of joy and goodwill is associated with the holiday season; however, it also brings with it the challenge of managing finances meticulously to avoid slipping deep into credit card debt.
One of the effective ways to keep your finances under control during this festive time is by creating an efficient Christmas budget.
In the following sections, we will delve in detail into the simple process of creating a feasible Christmas budget that you can adhere to.
Step 1: Decide What You Want to Spend on Christmas
Determining how much to spend at Christmas depends on your individual budget and financial situation.
On a general basis, most people will overspend at Christmas in order they don’t look broke or not generous.
However, that thought process is backward if you are trying to reach your financial goals. You need to decide on how much you want to spend at Christmas time.
That is why these consumable gifts tend to be popular.
Expert Tip: Avoid surpassing your Christmas budget to prevent feeling the pinch of holiday debt later on. Stick to your allocations and plan things out in advance.
Step 2: Make a List of Christmas Gifts
Creating a list is essential for budget-friendly and stress-free Christmas shopping.
This prevents you from forgetting someone important by intuitively documenting all the people you intend to get gifts for. Also, allows for the clear allocation of your total Christmas budget, preventing overspending on some individuals and under-spending on others.
If you aim to economize, consider the 4-gift rule: something they want, something they need, something to wear, and something to read. This method provides thoughtful gifts for children while maintaining a manageable budget.
More importantly, a well-planned list significantly reduces the time spent shopping and aids in buying gifts early before the holiday rush begins.
Expert Tip: Don’t forget to consider items like stocking stuffers, last-minute gifts, or teacher’s gifts, and the cost of extra food for holiday gatherings.
Step 3: Prioritize Your Spending
Prioritizing where to spend money relative to your financial goals is crucial to achieving long-term financial stability and health. It ensures that your money is allocated effectively, giving priority to necessities and matters that directly support your objectives.
This practice can also prevent unnecessary expenditures and helps in averting serious overspending, especially during high-spending periods like the Christmas season.
Thus, you will need to prioritize your Christmas budget before the festive season. It helps prevent overspending and keeps you debt-free.
Step 4: Limit Your Christmas Spending
First, it is important to abandon the notion of a “perfect Christmas” and focus on enjoying the holiday within your budget.
You can even educate your family members about the concept of holiday budgeting and involve them in your planning process.
Consider proposing less expensive alternatives to traditional gift-giving within your extended family such as handmade or recycled gifts, or conducting a white elephant exchange with budget-friendly novelty items.
Don’t overlook smaller gifting costs that can accumulate, like Christmas stockings – instead fill them with practical, affordable items that your family needs.
Save money on wrapping supplies by using items readily available at home like newspaper or butcher paper and involve the kids in a fun, cost-saving activity by having them create homemade gift tags.
Remember, sticking to your budget doesn’t mean letting go of the Christmas spirit. It’s about celebrating responsibly and starting the New Year without financial stress.
Step 5: Ignore Sales and Keep it Simple
Sales, sales, sales – the deal is too good to pass up!
Here are key ways to overcome this common dilemma.
Resist impulsive purchases compelled by sales, and stick strictly to your shopping list.
Pause before purchasing an item not on your list, consider the necessity.
Keep emotions in check, they run our shopping decisions.
Conquer emotional spending, stay true to your budget.
Discourage additional spending once your list is fulfilled and the budget exhausted.
Remember that it’s better to focus on affordable presents rather than seeking the perfect, but expensive, gift.
Step 6: Shop for Christmas Gifts Early
Start early. Begin watching for sales on items from your Christmas gift list way before the season’s rush.
Begin monitoring for sales early, especially during holidays that precede Christmas, to stretch your budget further.
Make use of Black Friday and Cyber Monday. They provide excellent opportunities to snag deals on your gifts.
Expert Tip: Remember to stick to your list. If it isn’t on your list, pass it up. It’s challenging but keeps your budget in check.
Step 7: Reuse and Recycle Holiday Decorations
Start by taking stock of items in your house. Don’t limit yourself to traditional decorations—choose a color theme and scan your home for items that fit and can be repurposed.
Use the resources outdoors. Pine branches, pine cones, mistletoe, and holly can be fashioned into decorations from nature’s catalog.
Even consider trading decorations with friends or family. This can bring a new look to your home without the need for new purchases.
Get creative with items from dollar stores that can be combined to appear high-end and save costs.
How to buy gifts for Christmas on a budget?
Maintaining a budget doesn’t mean you can’t enjoy giving gifts this Christmas.
Use these gift guides to help you out:
Remember, the joy is in the giving, not in the cost of the gift.
Time to Create Your Holiday Budget and Make it Memorable
Regardless of your financial situation and the extent of your holiday plans, this guide will help you maintain financial stability while fully embracing the Christmas spirit.
By setting aside a prescribed sum for your holiday expenses, you’re able to enjoy the season without the stress of unexpected expenditures or financial shocks after the holiday haze has cleared.
Celebrating Christmas on a budget doesn’t mean skipping the fun or the warmth.
With just a dash of creativity and thoughtful planning, you can make the yuletide season enjoyable and meaningful without breaking the bank.
Use the festive tips provided and start planning your budget-friendly Christmas now. Remember, the true essence of Christmas isn’t in extravagant spending—it’s about love, joy, and spending quality time with those who really matter to you.
Don’t forget to access a free printable worksheet for your customized holiday budget.
Know someone else that needs this, too? Then, please share!!
**We’ve updated this post below with some of the best Black Friday weekend sales and deals to get your holiday shopping started right!!**
With our Nikes laced up and game faces on, we’re feeling ready to tackle the craziest shopping day of the year – are you?? Now we know the holiday season is all about giving unto others, but before we reveal our gift guides to help you pick the perfect present for everyone else, we fully encourage snagging a little treat for yourself. With such good deals out there, it’s so hard not to!
I’ve narrowed my list down to only the very best which is so hard to do when we’re constantly coming across amazing finds!. But I have my eyes on the prize: my ultimate Black Friday Wish List!
Get your shop on: 1 // 2 // 3 // 4 // 5 // 6 // 7 // 8
I’d love to treat myself to a new bag my fall tote is looking a little worse for wear & can you really ever have too many!. But these Matchstick Bracelets how awesome are they!? would be a rather fun new accessory to rock at holiday happy hours. Then again, the Rachel Comey bootie is an absolute staple and this gray color is so fresh for winter…hmm, decisions, decisions.
I have no shame – I will slip my wishlist to everyone around the Thanksgiving table tomorrow. I’ll let you in on a secret: the best time to ask for things is when people are drunk full, merry and in the giving mood!
What are you hoping to get your hands on this Black Friday? If you’re not in the market for a t.v. you must line up for the night before, I’d be happy to talk you into this limited edition watch– come to mama!
I hope this little guide has wet your whistle – there will be plenty more where this came from after we recover from post-Turkey food comas. And if you just can’t wait for Friday’s deals, you’re in luck. Here are some discount codes to keep you busy shopping today, tomorrow when you need a break from crazy family! and through the weekend!
SHOP THESE BLACK FRIDAY SALES NOW:
Gap: 50% off Friday only with code BLKFRIDAY Love this jacket! Madewell: 25% off purchase with code FEAST25 Need one of these this season! J.Crew: 30% off with code HOLIDAY The IT tee for a fashionista! Banana Republic: 40% off Friday only with code BRGIVINGThis is such a great stocking stuffer! Bloomingdales: Up to 50% off The perfect plaid! Matches Fashion: Up to 30% off select items with code BLKFR30 Lusting for these! French Connection: 30% off entire purchase with code W13COUPON Joie: Spend $250, save 20% off These look so comfy! Nordstrom: 25% off on select brands Sole Society: 33% off jewelry, handbags and shoes! Serena & Lily: 20% off of everything plus free shipping with code THANKS20 The most adorable gift for an expecting mother or baby! Zhush: 20% off with code BLACKFRIDAY
Here’s to a fun-filled and fabulous giving and receiving season!!
Buying new furniture can be an exciting way to personalize and update your home, whether your taste runs towards a sleek, modern look, a funky boho vibe, or anything in between. But furniture can be expensive, so you’ll likely want to shop at the right time to get the best possible deal.
When precisely that is will typically vary based on what you are hunting for. Indoor furniture may be on sale in the winter and summer, but outdoor pieces may be marked down at the end of summer and in the fall.
To help you save a bundle on your new furnishings, no matter what you may be looking for, read on for smart intel and advice.
When Is the Best Time to Buy Furniture?
The best time of year to buy furniture depends on which kind of furniture you’re talking about. Here are some rules of thumb to keep in mind as you redesign your living space.
Indoor Furniture
Like many other manufactured goods, sales on indoor furniture are dependent on the release of new pieces: when a showroom needs to make room for next season’s stock, they put the older stuff on sale. New furniture designs tend to be released in spring and fall, which means the best sales happen at the end of the winter and summer seasons.
So for indoor furnishings like beds and couches, shopping at your local furniture stores in January/February and July/August and paying special attention to any seasonal or holiday sales may offer decent savings on the cost.
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Outdoor Furniture
Outdoor furniture, on the other hand, tends to be released in the late winter and spring between February and April. Shoppers might consider the earlier part of that range the best time of year to buy furniture for outdoor spaces in plenty of time for the long, sunny days of summer.
However, furniture shops also generally want to have that stock off their floor by August, which means there are usually some great outdoor furniture sales to shop over the summer and particularly towards early fall.
Custom Furniture
Having a piece (or three) hand-built to your specifications can bring your interior design dreams to life. However, on-demand, custom-built furniture typically costs more and is less likely to go on sale the way ready-made furniture does.
That said, buying custom furniture can be better for your budget in the long run if it means you won’t be itching to change your furniture again in a couple of years — or if it means your furnishings are of higher quality and, hopefully, a longer life. Plus, buying custom designs from a small business, or even an individual crafter, can feel more rewarding than purchasing something from a big-box store.
Recommended: Budgeting for Basic Living Expenses
Furniture Shopping on Holiday Weekends
As is true of many major purchases, holiday weekends and annual sales can offer excellent opportunities to buy furniture on the (relatively) cheap. Some holidays that routinely bring furniture sales include:
• Presidents Day
• Memorial Day
• Fourth of July
• Labor Day
• Black Friday and other winter holiday sales events.
Many retailers offer regular sales in addition to these events, so it’s always a good idea to watch for promotions. Signing up for the store’s email newsletter can help keep you apprised of their ongoing sales events, and many dealers also offer clearance stock year-round that could be worth perusing.
Recommended: 25+ Tips for Buying Furniture on a Budget
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General Furniture-Buying Tips
No matter what time of year you shop for your furnishings, the following tips can help you find a good deal and get the most for the money you do spend.
You can also benefit from them if you’re budgeting to buy a house and putting in offers; you want to get the best possible price if you’ll be filling a home with new furniture.
Being Patient
Furniture — especially furniture you want to keep around for a decade or longer — is a big purchase. It’s worth waiting to find the right piece rather than dropping a bunch of money on one that’s only okay.
If you’re furnishing your new home for the first time and need something fast, consider visiting a local thrift shop or surfing Craigslist. You might be able to find an inexpensive, pre-owned piece that’s only temporary, but still workable — and won’t eat too much into your budget.
💡 Quick Tip: When you overdraft your checking account, you’ll likely pay a non-sufficient fund fee of, say, $35. Look into linking a savings account to your checking account as a backup to avoid that, or shop around for a bank that doesn’t charge you for overdrafting.
Shopping Around
With so many design aesthetics and price points to choose from, furniture shopping is not a time for brand loyalty. You likely shop around for the best deals on groceries or when looking to switch bank accounts, so apply the same principle here. Shopping around at different dealers can help you find the best deal for your needs, but also give you more ideas and inspiration when it comes to creating a cohesive look for your home.
Recommended: Passive Income Ideas to Build Wealth
Consider Shopping Online
Online shopping for furniture can open a whole new world of color and design options. Some discount furniture retailers don’t offer physical storefronts, which can make shopping a little tricky. Choosing certain pieces of furniture, like couches and armchairs, for example, may be easier if you try them before you buy them.
Many online furniture retailers do offer return policies, which can help make your purchase less stressful, knowing that if it doesn’t work out, you’re not stuck with the product. And at online stores that do have brick-and-mortar locations, you could visit in person, try out a certain model, and then order online later, which may give you a better opportunity to compare the pieces you’re considering side-by-side.
Asking About the Warranty
Since furniture does tend to be a major expense, you want to make sure it’s built to last and has some guarantee to go with that. Many furniture sellers do offer warranties (just as some home warranties exist), and the fine print may also specify what the return policy is. In short, it’s worth getting familiar with.
💡 Quick Tip: When you feel the urge to buy something that isn’t in your budget, try the 30-day rule. Make a note of the item in your calendar for 30 days into the future. When the date rolls around, there’s a good chance the “gotta have it” feeling will have subsided.
The Takeaway
Shopping for furniture during certain times of the year can help you save money on a potentially expensive project like furnishing your home. When budgeting to buy a house, furnishings are just one of many things to save for, so it’s a goal that might take a backseat to expenses that are essential to homeownership, like the down payment and monthly mortgage, among others.
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If you’re attempting to feel out the housing market at the moment, consider this: People are reportedly camping out in their cars to snag the best lots in a new housing development outside Dallas.
Sure, it’s just one housing development in one city, but the message is clear; folks are getting crazy over real estate again.
It sounds more like a scene from a Black Friday deal at Walmart or Best Buy, but no, this has nothing to do with the latest PlayStation or iPhone.
Instead, these folks camped out (some in cars, some in tents, some on cots) to get the first crack at one of 83 homes that went on sale Tuesday in McKinney, TX, a popular suburb north of Dallas that is one of the top 10 fastest growing cities in the U.S.
First Texas Homes, which is selling the lots, said they expected to sell all of them within 24 hours of launching the sale.
As for why people camped out, it was to get so-called premium lots, such as corner lots. One person in the line already had their lot picked out and didn’t want anyone else to take it.
Meanwhile in Manhattan
It’s not just Texas that’s enjoying a real estate boom. In New York City, the price of real estate in Manhattan hit a new record high during the third quarter.
In the Big Apple, a single square foot would set you back an astonishing $1,497, per a new report from Douglas Elliman.
Douglas Elliman chairman Howard Lorber told CNBC, “Everything is selling fast, I don’t see how there could be a bubble.” Famous last words? We’ll see.
The price per square foot surged 18% from a year earlier and 11% quarter-to-quarter, thanks mainly to new condo developments in the city.
That, coupled with limited inventory, is keeping demand red hot and propelling prices to new highs, whether affordable to the masses or not.
Housing Affordability Best in Two Years
Despite all these home price increases, housing affordability has actually improved over the past couple years.
A new report from RealtyTrac found that while home price appreciation outpaced wage growth between Q1 2014 and Q1 2015 in 68% of U.S. counties analyzed, the average mortgage rate on the 30-year fixed slipped from 4.34% to 3.77%.
Additionally, because wage growth outpaced home price appreciation in 32% of counties included in the report, buying a home in the first quarter of 2015 required a smaller share of the average wage in 58% of counties nationwide.
Still, the average U.S. home price has risen 24% during the housing recovery (since the first quarter of 2012) while the average weekly wage has only chalked a seven percent gain over that period.
That means many regions of the country have fallen out of reach for a lot of potential buyers, especially first-timers that are integral to a sustainable recovery.
The good news is that the average wage has increased 34% since 2006, when home prices were at their least affordable levels in the past 10 years.
The combination of higher wages and lower mortgage rates has led to a 48% improvement in affordability since that time.
But if rates rise just a quarter of a percent, 13% of housing markets will exceed historical affordability norms.
So a lot hinges on mortgage rates staying put, which many believe won’t be the case for much longer. Interestingly, if wages increase and the economy looks better, interest rates will also probably rise, that’s just how the economy works.
If prices continue on their upward trajectory, a wage increase likely won’t help much if mortgage rates rise in tandem.
For the record, “virtually all markets in California and metro New York” are already out of reach, even with nationwide affordability still decent.
In places like Riverside, CA, Orange, CA, Kings, NY, Fairfax, VA, Cook, IL, and Suffolk, NY, wages are growing faster than home prices, but oddly enough homes in some of these places still aren’t affordable.
Perhaps home price appreciation is beginning to top out in some of these hot markets.
Either way, the mentality we’re beginning to see, where home sales are going down like a tent sale (no pun intended), is a bit disconcerting.
Sure, it’s not 2006 all over again, but we’re certainly heading that way, even with those unmissable low mortgage rates available.
Inside: Are you waiting for your Amazon refund? This guide will help you check the status of your refund, the process returns quickly and get your money back as soon as possible.
Have you ever been curious about how long Amazon refunds take?
If so, you’re not alone. Many people are confused about the refund process on Amazon, and how long it takes to receive their money back.
In this post, we’ll walk you through the steps to getting a refund from Amazon.
By the end of this post, you’ll know exactly what to expect when requesting a refund from Amazon.
how long does Amazon take to refund?
Amazon refunds usually take 3-5 business days to process.
However, this time frame can vary depending on the payment method used and the issuing bank.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What factors affect how long it takes for Amazon to process a refund?
When it comes to refunds on Amazon, it’s important to understand the different types of refunds available and how they can affect the processing time for issuing a refund. The refund amount and method can vary based on factors such as the condition of the item, how long it has been owned, and how it was purchased.
1. Payment method
When it comes to processing refunds, Amazon takes into account the payment method used at checkout, which can affect the time it takes for the refund to be processed.
Here is an ordered list of different payment methods and the specific factors that can impact the refund processing time for each method:
Amazon Account Balance: This is the automatically checked option when making a return. The return amount will be loaded to your Amazon account balance for a future purchase.
Credit Card/Debit Card: If you used a credit or debit card to make your purchase, the refund will typically be credited back to the same card. The refund processing time for credit card or debit card refunds is usually 5-7 business days. However, it’s important to note that the actual time may vary depending on your bank’s processing time.
It is essential for customers to understand the refund processing time based on their chosen payment method.
2. Type of Item Returned
When returning an item on Amazon, it is important to understand the different types of items that can be returned and how each type may affect the processing time for a refund.
Amazon offers various options for returning items, including prepaid returns and free returns. Additionally, there are specific conditions and policies for different categories of items.
For a full list of types of items and their return policy, check this help section out. By familiarizing yourself with these details, you can ensure a smoother refund process.
3. Amazon’s Processing Speed
The first step of the return process is returning the item to a predetermined return location. Once that is complete, you need Amazon to be in possession of the item before they will issue the refund.
Personally, I have found out that sometimes returns are issued within one hour of returning the item. Whereas, other times, it may take up to a week as the item is shipped to an Amazon warehouse.
This step is completely outside your control.
From there, you are waiting for the refund to be posted to your account.
Learn how long does Amazon take to ship.
4. Time of year
Another factor to consider is the holiday season. During the busy shopping period between October 1st and December 31st, Amazon typically experiences a high volume of returns.
However, due to their generous return policy, most items bought during this time can be returned until January 31st.
This extended return window allows gift recipients to have ample time to return items if needed.
During peak shopping seasons, such as Black Friday and Cyber Monday, Amazon’s customer service team may be inundated with inquiries and requests, which could potentially delay the processing of refunds.
5 steps on how to get your Amazon refund
Determining your eligibility for a refund on Amazon is a straightforward process if you follow these steps.
Understanding refund eligibility is crucial when it comes to requesting a refund on Amazon. By following a step-by-step guide, you can determine if you are eligible for a refund and proceed with the refund process confidently.
In this guide, we will outline the steps you need to take to determine your eligibility for a refund on Amazon.
Step 1: Find out if you can get a refund on Amazon
One of the first steps is to determine if you are still eligible for a return on your order.
Visit the “Your Orders” section.
You will visibly see a button for “return or replace items.”
If you do not see this, then you are likely outside of the 30-day return window.
This is important when you want to get a refund on Amazon.
Step 2: Request a refund
Requesting a refund on Amazon is an important process for customers who are unsatisfied with their purchases. There are several reasons why a customer may need to request a refund, including receiving a defective or damaged item, not receiving the item at all, or simply being dissatisfied with the product.
It is crucial to follow the correct steps in order to ensure a successful refund request.
Step-by-Step Guide:
Go to Your Orders: Log into your Amazon account and navigate to the “Your Orders” section. This can usually be found by clicking on your account profile icon and selecting “Your Orders” from the dropdown menu.
Locate the Order: In the “Your Orders” section, find the specific order for which you want to request a refund. You can scroll through the list or use the search bar to find the order more quickly.
Click on “Problem with the Order”: Once you have located the order, click on the “Problem with the Order” button next to it. This will open a new page where you can report the issue and request a refund.
Select the Problem: On the “Problem with the Order” page, you will see a list of problems to choose from. Select the problem that best describes your issue or reason for requesting a refund. This could include options such as “Item not received,” “Defective item,” or “Item damaged in transit.”
Click “Request Refund”: After selecting the problem, click on the “Request Refund” button. This will initiate the refund process and notify the seller of your request.
Provide Details: On the next page, you may be asked to provide additional details about the issue. This could include information such as tracking numbers, photos of damaged items, or a detailed explanation of the problem. Be sure to provide accurate and thorough information to support your refund request.
Select a Return Location: Next, you will need to select a return location for your item. More than likely, you will have Whole Foods, Kohl’s, and the UPS store as options.
Submit the Request: Once you have provided all the necessary information, click on the “Submit” button to submit your refund request.
Step 3: Wait for the refund
It is during this period that Amazon will process the refund and initiate the necessary steps to return the funds to your original payment method.
While waiting, it is important to be patient and understand the various factors that can affect the refund timeline.
Step 4: Check your refund status
Checking the status of your Amazon refund is an important step in ensuring a smooth refund process. By regularly checking the status, you can stay informed about the progress of your refund and take any necessary actions if there are any delays or issues.
Typically, after the return is dropped off at an approved location, you will receive a notification that your refund has been processed. Other times, it may take up to two weeks for Amazon to receive and process your return.
You can also follow up on the relevant order, by selecting “View Return/Refund Status“.
If your refund status is not showing as refunded in your account and the processing time has passed, you can contact Amazon customer service for further assistance.
Step 5: Get your refund
Following the correct above steps will help you navigate through the refund process efficiently.
You will see your refund on the selected method of payment.
Remember to keep track of your refund status and reach out to customer support if needed.
How long does Amazon take to process refunds?
Refunds on Amazon can be processed within a range of timeframes depending on various factors.
Also, your financial institution may take additional time for the refund to be posted to your account.
Refund Method
Refund Time (Once Refund Is Processed)
Credit Card
3-5 business days
Debit Card
Up to 10 business days
Amazon Gift Card
2-3 hours
Amazon Account Balance
2-4 hours
SNAP EBT card
Up to 10 business days
Bank Account
5-7 business days
Pre-paid Credit Gift Card
up to 30 days
FAQ
When customers request a refund, they have several options for how they want to be reimbursed.
The most common right now is your Amazon Account Balance.
Or you can opt to choose your original payment method.
While Amazon itself has a refund policy in place, the refund process for third-party purchases may differ slightly.
To request a refund from a third-party seller on Amazon, follow these steps:
Contact the Seller: Always begin by contacting the seller directly. They may be willing to provide a full refund without requiring a return or offer a better return policy than Amazon’s standard policy. It is recommended to reach out to the seller first before proceeding with any other steps.
Request a Refund: If you are unable to resolve the issue with the seller or they are unresponsive, you can request a refund through Amazon. Go to Your Orders and locate the order in question. Click on “Problem with the Order” and select the specific problem you are facing. Then, click on “Request Refund” to initiate the refund process.
Seller’s Refund Processing: Once you have requested a refund, the seller will need to process the return. They are required to issue refunds within two business days. The exact timeline for receiving the refund may vary depending on the seller’s processing time and the payment method used.
More than likely, you will need to return the product to get a refund.
On your return page, it will tell you whether or not to return the product.
If you have been denied a refund, you can try contacting the help section again to see if they will reconsider your request.
Time to Get Your Returns Turned in
We hope this guide has helped you understand the process of how long Amazon takes to refund.
By following the steps we’ve outlined, you can be sure to get your refund as quickly as possible.
Did your Amazon order says delivered but not received? That is the main reason many people are looking for a return.
Okay, make sure you get your returns in before the 30 day window.
If you are like my friend, you may have to rush over before the return window closes.
Personally, I like to do my returns right away, so my account can be refunded quickly.
If you have any further questions, please don’t hesitate to reach out to Amazon help.
Know someone else that needs this, too? Then, please share!!
By: Brittney Myers |
Updated
June 4, 2023– First published on June 4, 2023
We all love the shock and awe of huge discounts, such as when you can save hundreds on living room furniture or get a half-priced gazebo. But it’s not those outsized deals that make warehouse stores like Sam’s Club such a great personal finance choice for so many families.No, that comes down to the solid savings on all our everyday necessities. Because, in the long run, shaving a few bucks off dinner each night will add up to way more money in your bank account than the occasional big score on furniture.With that in mind, let’s take a look at some of the best deals you can find under $10 at your local Sam’s Club.1. Member’s Mark spices: $3.68 to $9.98There are a lot of low-cost ways to improve your home cooking, not the least of which is making sure it’s spiced and seasoned properly. Sam’s Club offers a great range of popular spices, all of which have great reviews online. Prices depend on the particular spice, but they start at just $3.68. While the containers are fairly large, most spices have a shelf life of one to two years so you should have plenty of time to use them up.2. Member’s Mark over-the-counter medicines: $4.48 to $9.87Keeping the medicine cabinet stocked can get pricey, especially if you have family members who regularly go through items like allergy or heartburn medications. You can find Member’s Mark versions of many popular over-the-counter drugs, all for much less than you’d typically spend at the grocery store or drugstore. Prices vary, but start at just $4.48.3. Member’s Mark agave nectar: $7.98 Made from the agave plant, this sweet syrup has become a popular alternative to sugar and honey, especially in the vegan community as it is entirely plant-based. But while its growing popularity has helped it become more affordable, few places offer as good a price as Sam’s Club. Member’s Mark Organic Agave Nectar costs just $7.78 for a two-pack of 29-ounce bottles. While this may seem like a lot, agave nectar can last for years when stored properly.4. Member’s Mark walnuts: $7.98Not only are walnuts considered to have a wide range of health benefits, but they’re darn tasty, too. Of course, getting them out of their tough shells can be a serious workout. You can skip the hassle while also saving money by picking up Member’s Mark Natural Shelled Walnuts. A giant 3-pound bag will run you less than $8 at Sam’s Club.5. Member’s Mark broth: $8.48Alright, so the absolute best broth is always going to be one you make yourself. But who really has time to simmer chicken bones for hours? Sam’s Club offers two different Member’s Mark broths — chicken broth and beef broth — that are well-reviewed for taste and value. Get a 6-pack of 32-ounce cartons of either flavor for just $8.48.6. Member’s Mark loungewear: $8.98 to $9.98Thanks in large part to the work-from-home movement, a lot of folks have switched from business casual to business comfy (and I, for one, am happy for the change). If your new work uniform could use a few new pieces, scope out the deals at Sam’s Club. You can find a ton of different options — from knit pants to slouchy tees — for less than $10, making it easy to refresh your work-from-home wardrobe.7. Member’s Mark canned tomatoes: $9.48Canned tomato products are some of the most versatile items you can have in your pantry. You can use them for everything from a homemade pasta sauce to a hearty chili. And Sam’s Club makes it easy to keep them in stock. For just $9.48, you can get a 12-pack of 14.5-ounce cans of Member’s Mark Diced Tomatoes in Tomato Juice or a 12-pack of 15-ounce cans of Member’s Mark Tomato Sauce.Stack the savings with the right cardOn top of all of the other ways Sam’s Club can help you save, don’t forget to use a good rewards credit card when you shop. Purchase rewards from credit cards stack on top of any other type of deal or discount.
5 Things to Never Buy at Sam’s Club
By: Dana George |
Updated
June 13, 2023– First published on June 13, 2023
It’s easy to go wild while shopping at Sam’s Club. After all, there are new things to see and buy every time you walk into the warehouse store. And while many purchases are spot-on, some only make sense if you go in with a plan. Here are five things it rarely makes sense to buy at Sam’s Club. 1. Huge containers of anythingIf you’re excited by the idea of purchasing a one-gallon container of mayonnaise, you’re my kind of person. However, it may not be the best idea, particularly if you’re unsure how long it will take to consume a container of mayonnaise as large as a newborn baby.While there are dueling expert opinions on the matter, Dr. Karen Latimer is quoted in EatDelights as saying that a jar of mayonnaise can last for months if left unopened and stored away from sunlight. However, once that jar is opened and refrigerated, you have between two and three months to ensure it’s consumed. And if you accidentally leave it out for eight hours? Prepare to toss it. In short, unless you’re running a school cafeteria, a massive quantity of mayo may not be a good buy. It’s easier to save money on groceries if you’re willing to give up mega-sized products. 2. Fresh produceEvery time I walk into a warehouse store, I rack my brain to figure out who would benefit from purchasing the fresh produce. It’s colorful and looks supremely healthy, but you can’t just pick up two or three tomatoes or apples. So, unless you’re throwing a huge party and need enough avocados to put a bowl of guacamole on every table, or you’re a summer camp director and know the kids will tear through 10 pounds of onions with their burgers, you’ll probably save money by picking up the actual quantity of produce you need at your local farmer’s market or grocery store. Given that an estimated 20% of the food we buy goes to waste, making an extra stop could be worth the money. 3. SunscreenSummer is upon us, and we all know better than to allow our skin to burn in the midday sun. Sunscreen is essential, but unfortunately, it does expire. According to Mayo Clinic, we have 36 months to use sunscreen from the time it’s manufactured. The active ingredients will break down faster if exposed to excessive heat or direct sun. Picking up a three-pack of sunscreen as you browse your local Sam’s Club may seem like you’re saving money.. However, if you still find yourself squeezing sunscreen from one of those bottles three years later, you’re essentially putting lotion on your body and expecting it to protect you from the elements. 4. Vitamins and over-the-counter medicines One of the things that make vitamins and over-the-counter medicines so attractive at Sam’s Club is how much less you have to pay per unit. After all, the less you spend, the more money you’ll have to put away in a savings account, right? It’s not quite that simple.Let’s say you need to pick up Bayer Low Dose Aspirin. At Target, you’ll pay between $0.05 and $0.06 per tablet. But at Sam’s Club, you’ll pay only $0.03 per tablet. In this situation, there’s no doubt that Sam’s offers the best bargain. According to Bayer, aspirin remains 100% effective for up to four years, and you’ll probably use an entire bottle of aspirin in that time. However, it can be tough to determine when other products in the pharmacy department are due to expire. The Food & Drug Administration does not require vitamin manufacturers to put expiration dates on their products. While some manufacturers do so willingly, it’s not something you can count on. For example, if you were to pick up a 400 count bottle of Vitamin C + Zinc 500 mg at Sam’s Club today, you’d pay $0.04 per capsule. Here’s the problem: A Brazilian Journal of Pharmaceutical Sciences study found that 92% of vitamin C supplements lose efficacy after 12 months of storage. But unless you know that in advance, you don’t know if you’re getting an actual bargain. 5. Diapers and toilet paperGoing out of your way to purchase either diapers or toilet paper at Sam’s Club may cost you more than it’s worth. We all use toilet paper. Retailers know that, so they frequently discount toilet paper to lure shoppers into their stores. Chances are, you’ll score a deeper discount by purchasing TP when it’s on sale at your local market. You can compound the savings by using a coupon. The same is true of diapers. Today, the cost of Member’s Mark Newborn Diapers comes out to $0.16 per diaper. At the same time, Target’s Up & Up Newborn Diapers sell for a little less than $0.14 per diaper. It’s not a huge difference, but the savings add up when you consider how many of those things you go through while a child is young. By determining what constitutes a good buy and which products you want to avoid before walking into a Sam’s Club, you can spend less and keep more in your bank account.
5 Traps to Avoid When Shopping at Sam’s Club
By: Dana George |
Updated
June 18, 2023– First published on June 18, 2023
If you’re a Sam’s Club member, you probably employ a few tricks to make your shopping more productive. Maybe you hit one specific part of the warehouse club before heading to others. Maybe you shop alone. Or, you may just be figuring out what works best for you. As you adopt new shopping strategies, here are five things you’ll want to avoid.1. Shopping while hungryA study in the Proceedings of the National Academy of Sciences found that hungry shoppers spend more than 60% more than those who shop on a full stomach. Based on five research studies conducted by professors from the University of Southern California, Chinese University of Hong Kong, and the University of Minnesota, the researchers found something rather strange.According to Norbert Schwarz of the University of Southern California, the trio found that the desire to get food generally plants the idea of “getting stuff” in a hungry person’s mind, increasing the likelihood that they’ll be attracted to products that don’t satisfy physical hunger. The internal message “I want food,” simply becomes “I want.”2. Feeling obligated to buyThere’s a good reason Sam’s Club employs people to hand out samples. According to Inspira Marketing, 65% of consumers who try a sample purchase it during the same shopping trip. What’s more, 24% of those people say they replaced an item they planned to buy with the sampled product.Don’t get caught up in the belief that you must purchase an item just because someone was kind enough to offer you a sample. Naturally, if it’s something you really like and believe your household will consume it, go for it. But if you’re doing it to be polite, there’s no need. It truly is a marketing strategy.3. Being seduced by low pricesIt’s fair to say that most of us would rather tuck a little extra money into savings each month than overpay for the items we regularly purchase. Sam’s Club can make it easier to accomplish this goal — but only for savvy shoppers. Here are two reasons why:A product is only a “bargain” if you plan to use it in its entirety. At Sam’s, you can buy a 25-pound bag of enriched long grain rice for $13.28. At Target, you can buy the same amount of rice for $21.95. It seems like an easy choice. However, it’s not truly a bargain if you don’t end up using the entire 25-pound bag by the time it expires.There’s something about finding an item at a discounted price that makes us think twice about leaving it on the shelf. We walk away wondering if we just squandered the opportunity to snag a great deal. If you didn’t walk into Sam’s Club needing that 48-pack of AA batteries, you won’t miss them when you get home.4. Leaving the house without a listShopping from a list is one of the best ways to resist temptation. You know specifically what you need and don’t have to wander around the club trying to remind yourself. If you can get in the habit of sticking to your list, you’re sure to leave more in your checking account.A survey by retail solutions company Field Agent found that 44% of shoppers believe they spend less when they head out prepared with a shopping list, evidence that shopping lists can work.Fun fact: One of the few remaining papers from the Renaissance Man, Michelangelo, is a shopping list. Written either in the late 15th or early 16th century, it included staples like fish, soup, bread, and wine.5. Shopping on SaturdaysUnless you’re one of those rare souls who adore crowds, you may want to avoid shopping at Sam’s Club on Saturdays. The more physically uncomfortable you are, the more likely you’ll be to make hurried decisions, like buying an item you’re not sure you need. It’s tough to think clearly when you’re surrounded by noise.Instead, look for a day (or time) that tends to be less crowded. According to Sam’s Club members on Quora, you should encounter less hustle and bustle midweek. If you can’t make it midweek, the crowds are manageable early on Sundays before the church crowd floods in.As we wait for inflation to cool, perhaps the best we can do is save where we can. That may mean using money-saving apps, conducting a price comparison before we leave the house, and sticking to a shopping list.
How to Claim Your Google Class Action Settlement Cash by July 31
By: Natasha Etzel |
Updated
June 24, 2023– First published on June 24, 2023
Many of us use search engines like Google multiple times daily, and the same was true for many people 10 or more years ago. You may be owed money if you used Google between 2006 and 2013. The technology company has agreed to a $23 million settlement to resolve a user privacy class-action lawsuit. Eligible individuals can submit a claim to collect payment through July 31, 2023. Here’s what you need to know about this news.Google agrees to a $23 million settlementA class action lawsuit alleges that Google violated users’ privacy by sharing search queries with third-party websites between Oct. 26, 2006, and Sept. 30, 2013. You can file a claim if you performed a Google search and clicked on a search result during this time. Google denies any liability or wrongdoing, but has agreed to make payments to claimants who file.You may wonder how much money you can expect to receive. Since millions of users are expected to be eligible for compensation, payments will likely be small. Current estimates suggest that each claimant could be owed approximately $7.70. However, the payment amount could change as more users submit claims.While this amount of cash won’t significantly impact your checking account balance, filing a claim is worthwhile. No matter how minimal, extra cash can be a win for your personal finances. Whether you’re working to pay down credit card debt or build an emergency fund, a few extra dollars could help you reach your financial goals sooner.How to file a claim to receive a paymentThe deadline to submit a claim or exclude yourself from this class action settlement is July 31, 2023. You can file a claim if you used Google during the dates mentioned above. Below are the steps you need to take to collect the cash you’re owed:Visit the claim website and review the details of the settlement.Register to receive a class member ID.Use the class member ID sent to you to start a claim.Provide the required contact information and choose your preferred payment method (bank account, Venmo, PayPal, Venmo, Zelle, or a prepaid Mastercard)Complete and submit the claim form by July 31, 2023.Currently, there’s no set date for when to expect payment. The final approval hearing is scheduled for Oct. 12, 2023. You can visit the claim website for updates. If you wish to receive compensation, submit a claim before the deadline passes. If you do nothing, you give up your right to compensation and won’t receive a payment.This isn’t the first class action settlement of its kindGoogle isn’t the first technology company to be accused of violating users’ privacy. Facebook allegedly allowed third parties to access private user data from 2007 to 2022. The company admits no wrongdoing, but has agreed to a $725 million settlement. Claims are still being accepted for the Facebook privacy settlement through Aug. 25, 2023.If you were a Facebook user in the United States between May 24, 2007, and Dec. 22, 2022, you’re eligible to receive payment. Staying alert to class action settlements like this is worthwhile, as it could help you boost your savings account balance.
5 Reasons People Have Their Sam’s Club Membership Revoked
By: Lyle Daly |
Updated
June 29, 2023– First published on June 29, 2023
If you like shopping at Sam’s Club, the last thing you want is to lose your membership. Since it has a large selection and reasonable prices, it’s a great place to shop without too much of a hit to your finances. Fortunately, Sam’s Club doesn’t go around canceling people’s memberships for no reason. That wouldn’t be a great way to run a membership club.However, it does reserve the right to revoke membership, and it lists actionable offenses that could lead to this on its website. Here are the most common reasons for people to have their Sam’s Club membership revoked.1. Writing bad checksBounced checks could get you bounced from Sam’s Club. You might be able to fix this if it’s a one-time issue, but not if it happens on a regular basis. A better option is to pay with a rewards credit card instead of a check, so you can earn cash back or points on your purchase. If you’re one of the store’s frequent shoppers, there are Sam’s Club credit cards that are worth checking out.2. ShopliftingLike most of the actionable offenses on Sam’s Club’s list, this one’s pretty self-explanatory. Most stores ban people who get caught trying to shoplift. With those that require a membership, including Sam’s Club and Costco, they’ll usually take away your membership.3. Violent behaviorYour local Sam’s Club is not the place to throw down, even on Black Friday. You’ll most likely lose your membership, plus there’s the whole “could get arrested and spend the night in jail” part.4. Abusive, disrespectful, or threatening behavior toward an associate; profanity used toward an associateIt should go without saying, but sadly, not all customers treat retail employees well. Sam’s Club considers practically any type of rude behavior toward its associates as an actionable offense. That gives it plenty of leeway to revoke memberships of problem customers.5. Questionable returnsReturn abuse is a common issue for retailers, especially those with generous return policies. It’s the No. 1 reason people have their Costco membership revoked, and it’s also an actionable offense at Sam’s Club.You don’t need to worry if you have a legitimate return to make every now and then. Even if it has been months, or years since you made the purchase, Sam’s Club lets you return most items at any time. This stipulation about questionable returns is designed for the small percentage of customers who try to game the system. Here are a few examples of what can qualify:Returning a large number of your purchases.Frequently returning items you’ve had for a long time.Committing any sort of return fraud, such as trying to pass off an old laptop or phone as a new one.Most members won’t have any problemsThe reasons listed above are the actionable offenses that Sam’s Club specifically mentions. It can technically revoke your membership for any reason, without cause.The typical shopper doesn’t have anything to worry about. All the things Sam’s Club will ban you for aren’t exactly normal customer behavior. If someone tries to steal, start fights, or return 90% of what they buy at Sam’s Club, their membership could be revoked. The people who just shop there, enjoy the deals, and don’t yell at the employees can have a membership for as long as they want.
Memorial Day is known as a great time to score deals on big-ticket items or to make any smaller purchases that you may have been putting off.
Many retailers will start discounting items the Friday before Memorial Day, so you’ll have a whole weekend to shop. Here are the best deals this year!
What’s Ahead:
Best all-around Memorial Day deals
Walmart – Save up to $1,000 on Samsung TVs; get discounts on patio and garden, toys, clothing, home improvement, pets, beauty, and more.
Amazon – The Memorial Day sale features summer savings deals from outdoor living, cooking, and barware to electronics and beauty.
Macy’s – Get 20%-60% off furniture, rugs, and mattresses, plus a free box spring or adjustable base with a qualifying purchase. Save 20% to 50% off select clothing styles, plus get an extra 20% off kids’ and baby clothes with the offer code CUTE.
JCPenney – The sale features up to 50% off mattresses, 40% off furniture, and up to 50% off home items, plus additional coupons on clothing, jewelry, and portraits.
Target – Save up to 25% on furniture, lighting, and home decor; save up to 20% on bedding and up to 15% on patio furniture, plus get free same-day shipping on orders over $75 through May 31.
Appliances
Find fantastic deals on large and small appliances, from refrigerators and washing machines to Roombas and coffee makers.
Lowe’s – Save up to $500 on qualifying appliances, plusfind Memorial Day deals on everything from small appliances and patio furniture to grills, tools, and home improvement. Get free local delivery on appliances when you spend a minimum of $299.
Best Buy – Save big on major appliances during the Memorial Day sale. Don’t forget to take advantage of the Price Match Guarantee.
Home Depot – Snag appliances up to 30% off, and find discounts on lawn equipment, power tools, home improvement items, and more during theMemorial Day savings event.
Mattresses
May is the best time to buy a new mattress. New models come out in the Spring which makes Memorial Day weekend sales the prime time for a mattress upgrade.
Avocado Green Mattress – Save $100 on green and vegan hybrid mattresses with the code HONOR through June 7.
Birch – Get $200 off, two free Eco-rest pillows, and free delivery with code MEMORIALDAY200.
Casper – Get 15% off mattresses, 10% off everything else, and 50% off final sale items.
Cocoon by Sealy – Save 35% off mattresses, plus free pillows and sheets during its biggest sale ever; the sale ends May 31.
DreamCloud – Get $200 off mattresses, plus $399 worth of accessories included; the sale ends May 30.
Haven – All mattresses are 50% off storewide, plus 30% off accessories.
Helix – Take up to $200 off mattresses, plus receive two free Dream pillows.
Mattress Firm – Take up to $500 off mattresses and receive a free adjustable base on a queen mattress purchase of $699 or more by using the code ELEVATE.
Nectar – Receive free pillows, sheets, and a mattress protector —a $399 value— with a mattress purchase.
Purple – Receiveup to $400 off a mattress, pillow, sheet, and mattress protector bundle.
Puffy – Get $300 off plus two free pillows with every purchase.
Serta – Save up to $1,000 off a mattress and base through June 7.
Tempur Pedic – Save up to $500 off select adjustable mattress sets.
Tuft & Needle – Save up to 20% sitewide through May 31.
Electronics and gaming
Aside from Black Friday, Memorial Day is one of the best times of the year to snag discounts on televisions, computers, smartwatches, games, and other electronic devices.
Dell – Get deals on PCs, laptops, monitors, and more during its summer sale event.
HP – Save up to 47% on select products, plus get limited-time deals daily.
Xbox – Get three months of an Xbox Game Pass subscription for $1.
Best Buy – Snag big-screen 4K TVs starting at $279; save up to $200 on Windows laptops.
Microsoft – Score a variety of discounts on a Surface, save up to $500 on select PCs, or cash in discounts on Xbox accessories.
Furniture, home decor, and improvement
If you’re looking to freshen up your home, now is the time to stock up on home goods, tools, and any remodeling supplies.
Overstock – Overstock’s Memorial Day Blowout Sale features up to 70% off thousands of items, plus free shipping on everything.
Pier 1 – Pier 1’s Memorial Day sale includes up to 50% off rugs, lighting, indoor and outdoor furniture, and home decor. Plus you can bundle a variety of candle fragrances for 15% off.
Wayfair – Snag deals up to 70% off during the Memorial Day clearance.
American Signature Furniture – Up to 20% off and 48 months of promotional financing.
Society6 – Their Memorial Day sale features 40% off wall art, 30% off home decor, and more.
Bed Bath & Beyond –Save up to 25% on outdoor furniture, decor, and kitchen appliances.
Ace Hardware –Discounts on lawn care and equipment, grills, patio furniture, and power tools through May 31.
Costco – Member-only savings include deals on patio furniture, mattresses, appliances, and electronics through June 13. Save an additional $150 when you buy two qualifying items for your home.
Clothing
Spring and summer clothing sales are upon us, and it’s the perfect time to give your closet a refresh. Find winter apparel on clearance and save on spring and summer fashions.
ModCloth –30% off sitewide, plus an extra 50% off sale items.
Nike – Get up to 40% off on markdown items.
Victoria’s Secret – Save 30% to 70% off more than 1,800 styles.
Old Navy –Save up to 50% off storewide with styles as low as $5.
Men’s Wearhouse – Get up to 85% off original prices.
Zappos – Save up to 30% off footwear, clothes, bags, and accessories.
Banana Republic – Receive an additional 50% off sale styles and 30% off regularly priced items.
Bloomingdale’s –Save 60%-70% off some clearance items plus save 30-50% off select clothing styles.
Outdoor
Prepare for a summer of fun by loading up on any outdoor equipment you might need.
Bass Pro Shops – Its outdoor sale runs from May 20 to June 2 and features discounts on tents, fishing gear, yard games, clothing, and camp furniture.
REI – Memorial Day coincides with its big anniversary sale. The deals include 30% off clothing, 50% off Nalgene water bottles, and 25% off select outdoor gear.
How to save more on Memorial Day
According to Consumer Reports, May is the best month to buy air conditioners, freezers, grills, mattresses, strollers, smartwatches, lawn equipment, and other home improvement and decor items.
The deals don’t stop at the Memorial Day sale. Many retailers will offer additional discounts on top of sale prices if you sign up for a rewards program, email updates, or a store credit card. You may also snag a promo if you’re a student or if it’s your first order.
Poke around to see if you can find any promotional offers and pay attention to any pop-up ads so you don’t miss an opportunity to save money on your purchase. Usually, a sales representative will ask you to sign up if you’re physically in a store, but you can ask during checkout if not. Some businesses may not let you combine coupons while others do. Either way, it’s worth a try to rack up savings.
Furthermore, big-name retailers like Best Buy offer a price match guarantee, so shop around to see if you can find a product cheaper elsewhere before you buy it. That way you know you’re getting the best deal around.
Summary
Memorial Day weekend is one of the best times of the year to go shopping. Just about every retailer will offer promotions, and you’ll score the deepest discounts on appliances, mattresses, and seasonal goods. Add more savings to your purchases by signing up for a rewards program or by taking advantage of price match guarantee promotions.
My mom has a sixth sense when it comes to bargain hunting. Where I’m thrilled to get 25 percent off and free shipping, she’s finding deals of 70 percent off and getting inside scoop from the salespeople, who probably have her on speed dial should a ginormous everything-must-go-or-we-torch-it clearance sale come along.
Okay, so I’m exaggerating, but not by much. The point, however, is that the key to finding bargains is timing—off-season, end-of-season, new models bringing down prices on the old models. There’s a pattern and a perfect time to buy just about anything.
When possible, plan your purchases by using the following list to score the best deals and to keep more of your money in your high interest savings account:
House and Home
Real estate—March through August are active months for buying and selling, so a buyer looking for a deal will have better luck negotiating on an offer in autumn and winter.
Flooring—Carpet and flooring goes on sale near the end of the year due to slow sales, though discounts are possible throughout the year from independent retailers.
Furniture—January and July, when stores need to make room for new inventory.
Gas grill—Like air conditioners, the best time to buy is during winter months, when demand for outdoor grills is low.
Cookware—April and May (think graduation and wedding prime time) and October and November (holidays approaching).
Linens—January “white sales” and the end of each season (i.e. as spring approaches, winter-colored linens will go on sale). It’s common to see linens (in all colors, not just white!) on sale for up to 60 percent off retail.
Mattress—New mattresses arrive in stores in May, when you’ll find a good deal on the previous year’s models.
Vacuum cleaner—June, when new models hit the floors, and end of winter.
Hardware—Big sales occur around Father’s Day and between Thanksgiving and Christmas.
Home appliances—New models arrive in September and October, when you’ll find good deals on last year’s models. Holiday weekends—Fourth of July, Labor Day, Columbus Day, Presidents Day—also are good bets for deals. If you’re willing to buy an appliance with a ding or a scratch, you can save hundreds.
Air conditioner—Winter months, when demand is low.
Flora
Flowers—Tulips are less expensive in February, peonies in May. Flowers are at their best when in season.
Shrubs, trees, etc.—Autumn is a good time to buy bulbs (store them according to directions on the packaging) and trees and shrubs (nurseries are trying to clear out inventory).
Recreation
Outdoor (general)—Swings, beach and pool toys, swimming gear, and other outdoor items go on sale in August, when retailers are trying to make room for fall and winter items.
Outdoor gear (bicycles, for example)—February and March, when new models replace last year’s models.
Boat—Boat shows, held from January through March, generally offer the best prices.
Gym membership—Membership sales soar in January as everyone resolves to lose weight, but lag in spring and summer. You’ll find lower fees and waived enrollment fees to lure you to their treadmills.
Movie tickets—Matinees are an established way to spend less at the theater (as is smuggling in your own M&Ms, not that I’d condone such behavior or ever do so myself…). A.M. Cinema (AMC Theaters) sells discounted tickets before noon from Friday to Sunday and on holidays.
Broadway tickets—Find bargains hours before the show, or try the well-known TKTS booth in Times Square.
Electronics
Blu-ray player—Black Friday sales and after-Christmas sales offer some of the best deals.
TV—Sales can be found throughout the year. Times to note include Black Friday, between Thanksgiving and Christmas, right after New Year’s Day, before the Super Bowl, and in May and June. New models hit stores in August and September, when you’ll find sales on new models and discounts on the previous year models.
Cell phone—New customers get the best deals. For new phones, wait six months if you can. Search online for coupon codes, as well.
Digital camera—The Consumer Electronics Show and Photo Marketing Association convention mean new models will arrive in stores. Shop in January and February for deals on last year’s models.
Computer—Back-to-school season yields a few sales, but the best deals can be found when a technology is outdated and retailers want to get rid of the older models. Look for a few extras (free shipping, bundled accessories, etc.) around the holidays.
Tip: In general, you’ll find a good deal when an electronic item is outdated. Wait until after technology shows like MacWorld and the International Consumer Electronics Show to see if your iWhatever will be discounted to make way for the next big thing.
Auto
New car—New models roll into the lot in fall, so shop in September for last year’s model. Shop on a weekday at the end of the month to get the undivided attention of a salesperson trying to make their monthly quota.
Used car—Dealers increase their inventory in April to start the spring selling season. You’ll find a good selection and willing negotiators.
Recreational vehicle—Dealers sometimes offer specials in winter, but generally buying an RV works like buying a car (see new cars).
Gasoline—Fuel up on a weekday, early in the morning if gas prices are rising or in the evening if gas prices are going down (prices are usually changed between 10 a.m. and noon).
Oil change—Look for early bird specials in your area.
Tires and auto parts—During April (National Car Care Month) and October (Fall Car Care Month), you are likely to find buy-three-get-one-free deals on tires, free oil changes, and other checkups.
Car wash—Early birds (before 8 or 9 a.m.) can often find deals at full-service car washes.
Travel
Airline tickets—For domestic nonholiday travel, look for the lowest fares 21 days from your departure. Fares are updated at 10 a.m., 12:30 p.m., and 8 p.m. on weekdays, and airlines file one update on Saturday and Sunday. Lowest fares are filed on Tuesdays, Wednesdays, and occasionally on Saturdays. Wednesday is generally the cheapest day to fly and Sunday the most expensive. (Exception: the Wednesday before Thanksgiving—the busiest travel day of the year.) For holiday travel, start looking in September to get a good price. Fares can change quickly, and much depends on the carrier and the market.
Travel (general)—The off-season or shoulder-season for your destination will offer the most savings on lodging, recreation, transportation, etc.
Food
Groceries (supermarket)—On Sunday evenings, you’ll save money through store sales (typically run Wednesday through Thursday), and by shopping in the evening, you can save even more on items that must be sold by day’s end. If you clip coupons from the Sunday newspaper, you’ll enjoy additional savings.
Coupons—While coupons are available throughout the year, the most coupons appear in the Sunday paper during November and December. The best deals on turkeys can be found two weeks before Thanksgiving to Christmas. In spring, you’ll find coupons on seasonal produce, ham, and frozen food (apparently March is National Frozen Food Month—who knew?). Summer coupons offer discounts on grilling items and ice cream. Autumn brings coupons on soup and other canned items.
Groceries (farmers market)—Vendors often lower prices near closing to avoid having to pack up perishables and take them back to the farm.
Champagne—With steep competition to be your New Year’s Eve bubbly, Champagne houses drop prices during the holidays.
Clothing and Accessories
Clothing (general)—Got your heart set on something in particular? Shop on a Thursday evening six to eight weeks after the item arrived in the store. By Thursday, the weekend sales have started and the selection will still be good. Season-end clearance sales also offer up savings.
Baby clothes—Shop during your pregnancy for end-of-season clearance items. If it’s springtime and you are due in winter, look for winter closeout sales now for infant clothing.
Jewelry—Avoid the holidays, when you are most likely to pay full price.
Weddings
Wedding (general)—The off-season can mean big discounts. If you live in a cooler climate, you’ll find savings during the winter months. Hotter climates mean likely deals in summer months.
Wedding dresses—After Thanksgiving and before Christmas. Boutiques are stocked with gowns for Christmas engagements, but it’s a slow sales period.
Other
Toys—October and November offer good bargains as retailers gear up for the holiday season.
Wrapping paper—January, of course!
I might not ever be as good as my mom at bargain hunting, but knowing when to shop might make me almost as good. If you’re one to make resolutions every new year, resolve to save money and correcting your small errors by including a check on your free credit report to make a huge difference in your purchases in 2010 by timing your purchases.
If you found this helpful, don’t forget to follow Get Rich Slowly on Facebook and Twitter.
‘Tis the season of cold weather, hot chocolate, carols and Christmas. The holidays are upon us, and it’s time to pick the best type of Christmas tree for you. Whether you’re a before-or-after-Thanksgiving holiday decorator, picking the right tree for your apartment can make the holiday season truly magical.
A few things to consider first: Do you have overactive cats? How often can you water it? Are you going out of town for the holidays? Do you like heavy ornaments or minimally decorated trees? How much will you spend on the perfect tree? How much space do you have?
Take this quiz to find out what Christmas tree you should pick up this holiday.
What’s your decorating style in your apartment?
What movie describes your holidays best?
What does your Christmas day look like?
What lifestyle best describes you right now?
When does the Christmas season really start?
What’s your favorite Christmas song?
What Is the Best Type of Christmas Tree for Me?
Artificial Christmas tree
Not everyone’s family is ready to take care of a real-life tree, and that’s OK! An artificial Christmas tree allows you to start earlier in the season without worrying about shedding or disposing of the tree. An artificial tree is excellent for those who travel out of state for the holidays and want to keep the house decorated. Splurge on one of the pre-lit ones: You won’t regret it.
Fraser fir tree
The ultimate Christmas tree! The fraser fir brings the fragrance and greenery we all connect back to the holidays. It’s bright and green yet soft enough for young kids and pets to be around it. The fraser fir is one of the sturdiest trees, perfect for the ornaments you hold so dearly. The shape is classic, a triangle with enough branch gaps for lights and big ornaments. If you follow many Christmas traditions but are looking for durability through the season, this quintessential tree is for you.
Colorado blue spruce
If you’re looking for the most stunning Christmas tree, look no further than the Colorado blue spruce. The tree’s foliage changes from a blueish-gray to a silver blue depending on the light. It’s almost as if they are covered in snow. Hang white and gold ornaments from its very strong branches to let the tree’s color sing. It’s also a favorite because of its light shedding. However, make sure the tree is out of reach of children, pets and clumsy folks. The needles are very sharp, so it’s best to wear gloves while decorating them.
Balsam fir
The balsam fir is another classic pick. You’ll often see this one as part of garlands, wreaths and other holiday decorations that incorporate greenery. That’s thanks to its soft, flat needles and branches that work great at staying flat. Balsam fir trees are native to the north of the U.S. Also, if tree fragrance is a must on your list, the balsam fir won’t disappoint.This one requires a bit more care than other varieties as it needs to be kept away from any heating source or drying environment (hard in the winter!), as it will dry out quickly and not make it to Christmas. They can retain their needles for up to four weeks if cared for correctly.
White fir
The gorgeous white fir tree is adorned with white and blue-green needles. Since you’re headed out into the travel craziness of the holidays, this Christmas tree is the best fit for you. White fir trees tolerate neglect, so don’t fret if you cannot water them. This tree has the prettiest pyramid shape, great needle retention and a strong fragrance. As opposed to other pines, this tree has a lovely lemon smell when you crush its needles in your hand — it would go great with a garland of dried oranges and light ornaments as its needles grow upwards on the branch. Get to the tree lot early in the season, as these are the first ones to go.
Eastern white pine
Eastern white pine trees are very tall, with long, thin needles that grow up to five inches in length. This is one of the largest pine trees in the market, so make sure you have space for it. Get a wreath or two to pair up with the tree. They aren’t the sturdiest trees, so keep your decor to a minimum or use garlands or felt ornaments. Let the beautiful, feathery branches take the stage! If you aim for a minimal yet captivating look with your Christmas tree, the eastern white pine is it.
Scotch pine
Whenever you see a Christmas tree farm, most likely it’s a field of bright green Scotch pine trees. These trees are often harvested by permit, so you can cut them down yourself. You’re a DIY-er, and what better feeling than cutting your own Christmas joy. Just make sure to wear gloves when handling it, as this tree’s needles are as sharp as actual needles. But the good news is that even when the Scotch pine is drying, it won’t drop any needles, so you can keep your space clean. They are very sturdy, so they will safely hold your heirloom ornaments in their branches. Make sure you pick the best ones, as you won’t have much room between branches.
Noble fir
The noble fir makes a statement. This is the tree for your tall ceilings — think cathedral, office lobby or foyer of your home. Noble firs come with blue-green needles, sturdy branches and even cones. Think a 12-foot, full-bodied Christmas tree for the season. In nature, these giants can reach almost 300 feet tall. Due to its stature, the noble fir doesn’t need many ornaments to stand out. Pair it with some fresh noble fir wreaths and simple twinkle lights.
Not sure what to buy for your loved ones this year? Still singing the recession blues? Consider buying nothing at all.
I didn’t buy anything on Black Friday, I didn’t buy anything today, and I won’t tomorrow. This holiday season, I won’t be going near a mall. Under our tree, there will be no plastic toys, no new clothes, and no last-minute matched set of leopard-print mugs for my sister when I panic on Christmas Eve because I have no idea what she wants. There also wont be any dipping into my savings accounts to buy gifts.
Thousands of families will be doing exactly the same thing this year as part of The Compact. The Compact has a simple premise: Everyone who signs on agrees to “buy nothing new” for one year.
Gifts for Kids
For tips on surviving a frugal holiday, I turned to the Non-Consumer Advocate, Katy Wolk-Stanley. Katy is coming into her third year on The Compact. And as a mom of two boys, she knows a thing or two about kids and holiday shopping.
“Christmas is a huge challenge for people who are trying to save money, and for people who are trying to minimize their garbage output and the low-quality stuff that comes into their family,” Katy says.
Here are her guidelines for giving to children during the holiday season:
Shopping is okay. Katy made it clear that “not buying new” doesn’t mean “no shopping”. She swears by Goodwill and consignment shops. Buying used, she points out, not only saves money, but it’s always a “greener” choice than buying a newly-manufactured item. Online, you can surf eBay or your local Craigslist for second-hand treasures.
Swapping is even better. “You could do a gift swap where people get together, bring the toys that aren’t being used, and swap,” Katy says. “You’d have to make it an evening without kids, which has its own benefits!”
Presentation matters. Some kids will be looking for “new” gifts under the tree, and new to them means boxes and brands. Katy suggests looking in higher-end kids’ consignment shops, where you can often find gifts still in their boxes. For kids and adults, Katy offers lots of creative wrapping ideas, like presenting movie tickets with a box of movie-theater candy. For families, try giving toddlers play silks (long pieces of colorful silk) as a gift, and then use the silks to wrap gifts each year for the kids as they grow older.
Santa buys second-hand, too. My kids still believe in Santa Claus. They’re expecting a pile of Stuff under that tree come Christmas morning. I ordered them a classic dollhouse from “Santa’s workshop” (read: eBay). They’ll get to spend the morning unwrapping each little piece of furniture, instead of a dozen different gifts.
Be creative. Last year, Katy gave each of her boys a kitten. Rather than put live kittens under the tree, she put some stuffed animals they already had under there with paper tags around their necks that said, “Please exchange me for a real kitten.”
Don’t be afraid. Chemicals like lead, BPA, and phthalates are common in older toys (even ones that were new last Christmas). Sharp edges and loose parts can cause accidents. A simple way to avoid these problems? Buy simple toys. Unpainted wood gifts, for example, are free of toxins regardless of their vintage. Another simple option: Don’t worry about it. You probably haven’t carefully researched every new toy that comes in the door. Today’s used toys are no more dangerous than last year’s new ones.
Talk to your relatives. “Just explain that you’re trying to decrease the number of gifts given to your children and talk about why you’re doing it,” Katy says. “Possibly offer some other ideas where a person can be creative and still do something special for a child that they love.” Easy for her to say. I’m a pansy when it comes to tough talks, so last year I sent mom a letter asking her to “tell Santa” what kinds of gifts would be most appreciated.
From the archives: Here’s a classic look at the four things children really want for Christmas.
Gifts for Grown-Ups
Toys, books, clothes and treats will take care of most children’s wish lists. But most of us have adults we’re expected to exchange gifts with too. From the office party to family festivities, we find ourselves shopping for friends and relatives.
Here are a few great ideas to replace the leopard-print mugs and bottles of wine you might have been handing out in past years:
Art. Art may technically be Stuff, but it’s a far cry from imported plastic junk. My most treasured gifts in the past year have been original art pieces by photographer Molly Tomlinson. These gifts can be surprisingly affordable. Many good-but-not-famous artists sell their work for $20 to $50 — no more than you’d spend on a Big Plastic Thing at the mall. To find good original art, go to holiday craft fairs, visit local studios, or search the listings on Etsy.
Time. Many people love gifts of time. You can offer to babysit, to come to their house and help with an organizing project, or to paint their dining room. Last year, my husband gave me a pretty card with a year’s worth of babysitting commitments from friends and family. I burst into tears on the spot, but I’ve been all smiles every month since when we drop our kids off and go out for an evening alone together.
Experiences. Movie tickets. A gift certificate to a favorite restaurant. Museum memberships. While a non-material gift may seem better suited to adults, even little kids can enjoy them. Last year, my mother presented my kids with a yearlong membership to the New England Aquarium. She took them there the day after Christmas, and they were also able to enjoy it several more times throughout the year.
Charity. Charities depend on holiday season donations to make their year-end numbers work. You can help them out and cross some items off your gift list in one blow by donating in a loved one’s name. Charities like Heifer International, Kiva and the Red Cross all make it fun and easy with “virtual gifts”. For example, Heifer lets you give a family in the developing world a cow on your mom’s behalf. Have a cow, Mom!
Fancy food. Who doesn’t love food? From baked goodies to homemade salsa, it’s hard to go wrong with tasty treats under the tree. Just be sure you know the giftee’s dietary restrictions. Anaphylactic shock is no one’s idea of a happy holiday.
Handcrafts. It’s a time-honored tradition to give your own handcrafts to loved ones during the holiday season. You probably don’t have time to knit sweaters for everyone on your gift list, but many lovely crafts are easy and quick. You can get your kids involved in making ornaments, ceramic handprints or other treasures for grandparents. Craft supplies themselves can get expensive, but if you have a skill like knitting you can make beautiful unique gifts.
From the archives: One of the most popular posts in GRS history features more than 30 homemade Christmas gifts you make yourself.
Nothing at all Do you have to exchange gifts with every adult in your family? With your coworkers? Your friends? Think carefully about who to put on your gift list, and who would be better served by a thoughtful card or a warm phone call.
Many people have probably done their shopping already, so it’s too late to change course. But there’s always next year. (Or, if you’re a last-minute shopper like J.D., there’s still this year.) And consider joining The Compact in January. You’ll have lots of company, and a whole year to work up to a non-consumer holiday in 2011.