How To Holiday Shop With A Very Tight Budget
Holiday shopping and celebrations can actually cause a lot of financial stress. If you’re on a tight budget, the pressure to buy gifts and the barrage of heavy marketing campaigns that encourage you to “spend, spend, spend” can make you feel guilty and even depressed.
But you can enjoy the holidays and even indulge in some holiday shopping, even if you don’t have a lot of money. Here are some ideas! We’ll also cover how you can find online title loans in the event of an emergency.
Set A Holiday Budget
Take another look at your regular monthly budget. How much can you afford to spend while still covering for basic necessities like rent, utilities, and food? What areas can you cut back on (for now) so you have a little extra for gifts or a special Christmas dinner? If there’s really not much to spend, how can you make extra money? Can you get a part-time job or hold a garage sale, so you can raise some money for your holiday shopping? At the end of the day, if you’re feeling stressed, you do have quite a few options available!
Rethink Your Gift List
Even Santa made a list and checked it twice. Before shopping for gifts, list down everyone you want to give presents to. Then, divide it so that you only have to buy gifts for a few people, assigning the others to any of these other ways to spread holiday cheer:
- Group gifts
- Homemade gifts
- Secret Santa
- Write a heartfelt card
Collect Coupons and Discount Codes
Look for coupons in your mailbox or do an Internet search for discount codes for online stores. Some stores will also give a special discount code if you sign up for their newsletter. Just set up another email account for all your “retail mail” so they don’t clog up your usual personal or official email.
Beware of Fake Fales
Some stores will increase their prices before the holiday season, and then drop the price just so they can claim that they’re giving a really big discount. So, before you fall for that “70% off promo” check the prices on other websites.
Look For Discounted Gift Cards
Websites like PlasticWallet, CardPool, CardCash, and more will sell gift cards at a lower price. It’s like getting extra money when you shop at your favorite stores. Just make sure to check the expiry date and how the cards can be used (for example, can you use them only in certain branches or on sale items).
Shop After Christmas
Prices will drop after the Christmas season. If you’re willing to wait it out a few days, you can get even more discounts on the items you like—and you don’t have to compete with the crowds.
Of course, some of the bestselling items will be out of stock, but if you’re not looking for a particular brand or model then this is a good way to save on your holiday shopping.
Look At Reviews
If you’re getting a gadget or appliance, check the Internet for budget-friendly alternatives. You may find something that is cheaper but has the same features and may actually even be better! Sometimes older models may even have better reviews than the newly released product that is getting a lot of marketing buzz. Plus, these items are more likely to have bigger discounts during holiday sales.
Find Emergency Cash With Title Loans
Holiday shopping may be the least of your concerns. You may have a tight budget and be in a tight situation—facing a financial emergency where you need to raise money really quickly. Maybe a family member got sick, and you need to pay the medical bills. Maybe your house or car was damaged in a winter storm. No matter the situation, you’ll likely need money – fast.
In these situations, you can take out a title loan. Title loans short-term loans that are very simple to apply for, and you can get the money in just a few days.
What Are Title Loans?
Online title loans let you use your vehicle title as collateral. This can be any car, truck, motorcycle, SUV, or RV that you own and is registered under your name. You can borrow up to about $15,000, depending on the value of your vehicle.
What Are The Benefits of Title Loans?
- You don’t need a high credit score. Bad credit history or no credit history, it doesn’t matter!
- You don’t have to line up. You can start the application process from the comfort of your home.
- You can get the money right away, because of the fast-processing time.
- You can continue to use the car while you are paying off the loan.
How Do I Secure A Title Loan Near Me?
Applying is easy and convenient, especially when you start by filling out the online form found on our homepage and submitting it. This will allow a representative to call you to schedule a face-to-face meeting to have your vehicle inspected, which determines the value of your title loan. From there, you’ll find out some simple and brief paperwork and receive your loan shortly thereafter!
When it comes to secure emergency money around the holidays, Christmas shopping on a budget is more difficult thanks to our fast and streamlined application process. Severing several locations throughout the state of Arizona, you’re never far from online title loans. So apply today!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.