10 Tips for your Christmas shopping
  Check out the Christmas shopping tips we brought you to save on your purchases:
1. Analyze your budget
First, check which bills you must pay on your credit card. Find which expenses tend to occur at the beginning of the year.
Those with children, for example, need to buy school supplies in the first few months. Expenses like vehicle IPVA, car insurance, property IPTU, and other taxes often arise. Knowing your information before purchasing, it is not essential to “put your feet in your hands.”
By analyzing all these factors, you’ll better understand ​​how much you can spend on Christmas shopping without getting into debt.Â
2. Define how much you will spend on Christmas shopping
Keep an eye on our Christmas tips and learn how to save!
Now that you know ​​the available budget, it is time to decide how much you can invest in buying gifts.
First, assess your monthly income. Then, look at the expenses at the beginning of the year. Finally, stipulate a percentage of how much you can invest. Some people decide they can only spend 30% of their income, which is already considerable. For example, whoever receives R$1,000.00 will already have R$300.00 available for Christmas shopping.
Attention: don’t think about using your entire 13th salary for gifts. After all, you have other expenses throughout the year, and that money will be helpful up front. So, separate a part to make your emergency reserve or investment for the future.
3. Make a list
Find which people you want to gift. It’s common to want to please everyone, but that’s not always possible. So, keep your feet on the ground when planning your Christmas shopping.
Please list the names by priority and divide the total money available for purchasing gifts by the number of people. Ready!
You will already have a clear idea of ​​how much you can spend on each item. If the value gets too low, it’s time to cut some names. You must also understand that you won’t be able to give everyone gifts of the same value.
4. Don’t leave everything to the last minute
The last week before Christmas tends to be very busy for everyone. This period can be a real pitfall for those who want to save money. So do your shopping in advance and in an organized way.
This will improve choices in your Christmas shopping, calmness during choice analysis, and easier negotiation with the seller.
5. Take advantage of promotions
Be aware of offers on the internet or in physical stores. Evaluate carefully to decide if the value has even been reduced or is a try to deceive the consumer. The more you can take advantage of promotions, the greater the opportunities to give good gifts at an affordable price.
6. Research a lot
To organize yourself financially, make a Christmas shopping list and do a lot of research.
Once again, the internet can be your ally when shopping for Christmas. Do a lot of research online for the products you want to buy and write down the prices. Then, you can go to physical stores and compare offers.
Another choice is to access the store’s website while searching within physical establishments. You can use online prices to negotiate reductions with the seller.
7. Bet on experiences
Do you want to show an unforgettable memory but have no idea what to give your parents or friends? Take the opportunity to invest in experiences instead of objects!
Often, scheduling a tour in a different place can be more affordable to surprise the recipients. How about a picnic in a park, a trip to the nearest beach or a lake in your area? Use creativity to give unique experiences to the people you love!
8. Give gifts made by you
Creating your gifts is also a choice to save on Christmas shopping. Imagine you have a child to give as a gift and an old toy stored in your room. Why not reuse this item? A doll, for example, can be given a different outfit or a hair accessory and become a great game.
For example, you can make clothes if you know how to sew. You can also create decorative items to give as gifts to family members. That way, you only spend money on the fabric and threads and get a personalized item.
9. Ask for discounts
Don’t be shy about negotiating prices! Sellers also need to hit sales targets and can lower the values slightly.
So research, choose the items you want for your Christmas shopping, and talk to the seller. Often, he manages to give a special discount for those who pay in cash, for example.
10. Avoid installments
If possible, try to do your Christmas shopping by paying in cash. This will help you avoid credit card installments at the beginning of the year. It can also be an excellent choice for negotiating more attractive prices.
Remember that a law already authorizes different prices for cards and cash. So, take advantage of this opportunity to go shopping this Christmas. Thus, you will also have a limit on the card in case emergencies arise during the year.
