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Setting a Budget for Christmas Shopping

Setting a Budget for Christmas Shopping

It is never too early to start thinking about setting a budget for Christmas shopping. As much as we would like to be able to purchase anything we want for our friends and relatives, it is an unfortunate reality, that many of us have to budget carefully to be able to purchase Christmas gifts for all of our friends and relatives during the holiday season. With this in mind it is very important to set a budget for Christmas shopping and to try to really stick to that budget.

Waiting until they are ready...

Some people take an interesting approach to setting a budget for Christmas shopping by waiting until they are ready to start shopping to set the actual budget. These individuals usually do this because they are saving specifically for the purpose of Christmas shopping. Whether they open up a bank account specifically for Christmas shopping, set aside money for this purpose in an envelop each week or plan on using a percentage of their income from the month of November for Christmas shopping it is important to set a budget and determine a plan for purchasing all of your Christmas gifts without exceeding this budget.

Shopping throughout the year

Other people take a different approach to setting a budget for Christmas shopping by shopping throughout the year and incorporating their spending for Christmas presents into their monthly budgets. These individuals may allot a portion of their monthly income to gift giving and either purchase the gifts on a monthly basis or simply set aside the money for a Christmas shopping spree at a later date. Those who spread out the Christmas shopping by doing a little bit of shopping each month not only keep their budget in control but also eliminate a great deal of the stress which often accompanies last minute Christmas shopping. 

Christmas Bonus wait...

Still others take a more interesting approach to setting a budget for Christmas shopping. Those who typically receive a financial bonus at work around Christmas time may base their budget on the amount of money they are awarded in this bonus. This strategy may work out well for some as it does not allow them to alter their normal monthly spending strategy because these bonuses are typically not considered in the regular monthly budgeting. However, unless these bonuses are guaranteed annually, there is some risk involved in this strategy. Often annual bonuses are awarded based on criteria such as the company’s earnings and the individual employee’s contributions to the success of the company. The company may not enjoy financial success or the contributions of the employee may not be highly valued and therefore there may be either no bonus or a bonus much lower than expected. When this happens, those who count on bonuses for Christmas shopping may find themselves in a difficult situation.

Budgeting for Christmas shopping is particularly important for those who plan to use credit cards to make their purchases. In the case of credit card purchases it might be worthwhile to spread the Christmas shopping out over the entire year and repay the debts associated with the shopping monthly. This will help to prevent carrying a balance and being charged interest on the balance each month. However, if it is necessary to do all of the Christmas shopping at one time, it is wise to save up during the year for these purchases. Before you begin shopping, evaluate the amount of money you have saved and set a budget for your Christmas shopping. This way even though you are using a credit card and will receive a large bill the following month, you should have enough money to repay the bill in its entirety and avoid paying interest on the debt. 

Even those with the best of intentions may find themselves going over their budget when Christmas shopping. When this happens it is important to keep things in perspective and avoid going too far over budget. You may spend too much on one or two people on your Christmas list but you can recover from this by purchasing less expensive gifts than planned for a few other people to compensate. 

Christmas gift ideas 2015 for kids: Best gifts include Fire tablet, LEGO & games

For the best Christmas gifts of 2015 for kids, some of the top choices this year include tablets, LEGO sets and a variety of different games. Based on the online best sellers and “most wished for” items, it’s easy to see that these toys must be topping the wish lists of boys and girls everywhere. That leaves many parents to wonder if these items will be sold out in stores and online, or even discounted further when next week’s big shopping sales hit for November’s Black Friday.

According to Reuters in their Nov. 19 report, it’s not a huge secret that U.S. consumers favor Amazon’s website for online holiday shopping. They conducted a poll from Nov. 12 through 18 and found that of the 3,426 adults surveyed, 51 percent of them plan to do most of their online shopping via the e-tailer’s site. Walmart checked in at 16 percent, while Target was just three percent. It goes to show the ease of the experience and shipping at Amazon’s site, in addition to a large inventory of products, makes it a clear winner.

It’s a winner with not only adults, but also the kids, as Amazon has rolled out all sorts of holiday lists including ones showcasing the top toy selections for children this holiday season. Some of the top picks by kids this year include a Sick Science Fizz Pop Boom kit, the latest Playskool Sesame Street Play All Day Elmo, a Crayola Color Alive Easy Animation Studio, and an Ideal 100-trick Magic Show suitcase. Also popular are the Pie Face Game, which ranks in the top 10 bestsellers, as well as a variety of LEGO sets.

The latest tablet from the e-tailer will also be a hot gift for parents to give kids this year. At just $50 in price, it seems like an inexpensive option for those wanting their kids to be able to play games, read books, or even chat in safe environments. With parental settings and Amazon’s various programs designed to provide content to adults or children, it makes the Fire tablet a winner. Some parents may opt for the Fire Kids edition tablet which costs double the price but includes a “kid-proof” case and a two-year worry free guarantee, which allows for replacements of the device.

With Thanksgiving and Black Friday one week away, that means Christmas is just over a month away for retailers to lure shoppers. Will Amazon’s competitors be able to step into the mix and compete with the online e-tail giant this holiday shopping season though?

Original website

http://www.examiner.com/article/christmas-gift-ideas-2015-for-kids-best-gifts-include-fire-tablet-lego-games

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