HOME & GARDEN
Shop in off-peak hours Most shops aren’t very busy early in the morning or late at night. Shop at slow times to avoid crowds and long lines.
Take a list
Start your Christmas list early in the sea- son. When the holidays near, keep a pen and paper handy to write down all of your gift ideas. Always take that checklist with you when you go shopping. This way, you’ll know exactly what you need to buy and you’ll be less likely to forget anything.
Set a budget
Are you still paying for Christmas gifts in January and February? Work out a budg- et and stick to it. Buy only affordable gifts and you’ll find it much easier to pay off your credit cards.
Buy extra gifts
Find some ‘generic’ items on sale that can be for a man or a woman, and purchase a couple of extras. Wrap them up and put a sticky note on the box stating what the item is. This way you’ll always be prepared if someone unexpectedly gives you a gift, and you can avoid any embarrassment or hurt feelings by returning the favour.
Save receipts Be prepared for broken items, wrong sizes and duplicate gifts. Always save shopping receipts.
Reward yourself Finally, treat yourself to a special lunch or buy a small token for a job well-done. Christmas shopping isn’t as bad if you acknowledge your accomplishments and reward yourself with something inexpensive and fun.
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