It is upon us. The holiday of holidays. Nope, not Thanksgiving. Nor Christmas.
The shopping holiday of deals, dollars and debt.
So let's talk about these 3 D's and see if we can't bring some clarity (see what I did there?) without taking the fun out of the sport of shopping.
Deals - Most retailers have already put out teasers to entice you. The deals are great and can only get better. However, let's keep in mind when shopping, just because it's a deal doesn't mean it's a need or must have (buy). Remember your list, stay focused. Besides, if you're a Merci Cadeaux client we want to create an experience, so impulse purchases hardly ever happen. With the focus on creating a new memory or the experience, it makes it less likely for you to purchase unnecessary items. So, keep the individual you're buying for and how you want them to feel in mind when shopping this weekend.
Dollars - Keeping your budgets for gifts and the household on track is a direct result of the "deals" tips above. When we're not over spending the holidays are much more pleasurable without buyers remorse settling in our hearts. This way we can stretch our dollars and not our pockets.
Debt - No one ever wants to go in debt shopping for the holidays. If you've ever listened to a coach, podcast, or vlog on finance, you've heard the difference between credit and debt. Using credit for Christmas or any occasion that you can pay off under the terms is in some cases a good thing. However, if you're buying with credit and you won't be able to pay it off timely and in full, you may want to reconsider the purchase. What I don't want is for you to splurge (on credit) and then have to make gettin out of debt a New Years resolution.
So, plan out the deals, watch the dollars and don't go into debt. By all means though, enjoy and give generously (responsibly) from your abundance, however much that may be.