Cyber Monday, Black Friday, Best Sales of the Year, Holiday Sale Extravaganza, etc., are ploys for spending your money frivolously. Don’t fall for them. Here are a few rules you should follow during these “events” before you spend too much:
- Only buy what you need. Sale events try to entice you to buy more than you need.
- Don’t fall for it. Never buy something you have not previously considered because a “Sales Event” puts it on your radar.
- You must plan for what you will spend and stick to it. If something costs more than the plan, do not buy it.
- You should always know the cost upfront. Back away if there are hidden or unexpected fees; this means that you did not research or are buying from someone dishonest. In both cases, do not make the transaction.
- Stay within your budget.
- No matter what message the salesman gives you, making the purchase is not vital to your existence.
- The budget, not the item, is more critical to your well-being.
- You should never spend full price on an item if you pay attention to the sale’s-cycle
Budgeting for gifts is a year-long process. It includes being aware of the gifts you want and need to purchase and saving the money required to make the purchases. If you do your due diligence and stick to your budget, the holiday season will not be a time of money worries and concerns.
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