Some people have already finished their Christmas shopping, while others are known for waiting until the last week or even the last day. No matter where you fall, there are a few things you can do to save the most money while on your quest for the best holiday gifts.
Know who you are giving to
Don’t buy a thing until you make a list, and check it twice if necessary. Write down everyone you plan to buy for and note any gift ideas for each. Sometimes it helps to put them together in groups: your own kids, nieces and nephews, siblings, parents, in-laws, co-workers, etc. Assigning a price limit to each can help you stick to your budget, too.
Check out sales
Most stores plan big holiday sales in the hopes of bringing in more customers. Download apps from your favorite stores and you’ll be notified when they plan discounts and events. Local newspapers still carry inserts from stores, too. Check those out weekly, and especially close to Christmas, when they’ll feature any last minute sales.
Try “Love to Shop” and earn cash back
Not everyone loves to shop – gasp – but everyone can make it a more lovable experience by earning cash back while shopping online. Credit Union members can shop more than 1,500 brand stores online and earn $15 – or more – back on every purchase. That comes in the form of a check, so it’s a nice surprise in the mail. Keep this in mind throughout the month of December, when you’ll find hundreds of online deals to save money and then earn $15 on each purchase to boot.
Search for online coupon codes
Have you ever viewed your cart total at the end of an online shopping spree and found yourself wishing for a coupon code to make the dollars fall away? We certainly have. Luckily, nearly every online retailer gives the option of entering a coupon code at checkout, so before you start typing in your credit card numbers be sure to do a quick online search for coupon codes. Websites like RetailMeNot provide discounts to thousands of retailers. You may just find an extra 15 percent off or a special holiday discount that isn’t being advertised online.
Plan ahead for tech gifts
Year after year tech products are some of the season’s most popular gifts. If you’re thinking about investing in a new cell phone or switching service providers, consider the discounts offered by Fairmont Federal Credit Union. You’ll save money when switching to Sprint with a $50 cash reward for every line transferred. Then, get $50 every year for every active line on your account. And even better, Credit Union members get a 25 percent discount on accessories in the Sprint store. Already a Sprint customer? Register and start receiving these exclusive member rewards and discounts.
Sometimes handmade is best
Some of us love to buy the perfect gift for each person on our lists. Sometimes, that perfect gift is given from the heart and made with our own hands. Think about the person on the receiving end. Would they like a batch of homemade Christmas cookies? How about a hand-knitted scarf? There are even places like the “Wow! Factory” in Morgantown, where you can make a special craft for that special person.
There are ways to save money all year, not just during the holidays. With Love My Credit Union Rewards, you’ll find that it pays to be a member at Fairmont Federal Credit Union. Visit the Members Discount page to learn more about discounts at Love to Shop, Intuit Turbo Tax, Sprint, ADT Home Security, and TruStage Insurance.
Now, get that list together and start saving!
Learn more about these ideas and other money-saving tips here: