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The harsh reality? Christmas is a few days away, and for many consumers, gift shopping is not yet complete. But you don’t have to put procrastination on your list of holiday stressors; finishing up won’t be as bad or as harmful to your finances as you fear as long as you keep a few things in mind.
Many of us turn to online shopping for the convenience, but, as you place your orders, be mindful of shipping times and fees. E-commerce sites should have these times and charges prominently displayed this week, but do a little digging if the info isn’t front and center. You’ll find that many sites will offer free or discounted expedited shipping to ensure your packages arrive on time. However, there still could be some snags in the process. so unless you’re ordering a digital gift certificate, you might just have to go to the store.
If you need to hit the stores, you should make a list – and not in just your head. It’ll be hectic out there and you’ll want to stay on track. You can use a note-taking app like Evernote or an old-fashioned piece of paper will do! If you have to work this week, check store hours. You’ll find that many stores open early and stay open late to accommodate shoppers like yourself.
Whether you are shopping online or in-store, try not to get swept away by deep discounts. While deals are exciting and enticing, remember that 50% off means that you’re still spending as much as you’re saving. If a discount can be applied to the items on your list, go for it, but otherwise, you may want to just walk away.
If you’re out of ideas or out of time, you can also consider the following options.
Remember, high credit card balances can hurt your credit scores. You can see how your holiday shopping may have affected yours by viewing your free credit report summary Credit.com.
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