Shopping Tips for the 25 Days of Christmas: Tip #11

As a retail management veteran, I have seen the emergence and importance of consumer credit in the retail industry. One retailer I worked for focused on credit cards as a profit center, after all, when a retailer owns the debt, they also profit from the interest that you pay on revolving that debt! Another retailer focused on credit as a way to drive the average ticket. They did not "own" your debt, so they did not profit from your interest payments. However, they knew that if you used a credit card you were apt to DOUBLE your total transaction dollar...if not more!

HOLIDAY SHOPPING TIP #11:

Pay cash, or use your debt card. Keep your credit card for any online shopping in which you can find amazing prices, free shipping, etc.

Cash is king, and if you are on a budget this holiday season, you will be surprised at how much you can save if you pay in cash, or use your debit card. Credit is a wonderful thing, without a doubt, for those who manage it well. However, statistically, you will spend more per transaction when using a credit card. Period. Most of us have a completely different mindset when we have to hand over those dollar bills!

I do use one credit card that is specifically for online transactions. I recommend this as if your credit card number or credit information was somehow compromised online, you have one card to track, and one card to manage. I have found some fantastic online offers, items that even after (FREE!) shipping have been less expensive than instore prices. I definitely won't pass up on that deal! However, I have a post-it note on my computer that has a budget at the top, and I minus out the online credit transactions, and then I have to stop. So, I am balancing not only my cash budget, but also my limited credit budget!

p.s. Have company coming? Fortunoff is a wonderful resource for your home (including that cocktail bar for company!) with great holiday pricing and shipping offers!

Shopping Tips for the 25 Days of Christmas: Tip #10

After over 15 years in retail, I am a true veteran in knowing what categories are strong for retailers to make margin. One such category are those adorable "stocking stuffer" type items you see all around the stores this time of the year. In fact, here is a tip to get completely FREE stocking stuffers!

HOLIDAY SHOPPING TIP #10:

While shopping, ask for samples! Makeup counters, fragrance counters, handbags and accessory stores, almost any department store has free samples, all you have to do is ASK!

I am sure that most of us will do some shopping at our favorite department store this holiday season. I know that I have purchased some cosmetics lately and every single time I ask for samples. At the fragrance counter, I ask for samples to take home and try the fragrance before I purchase it. I have even received free key chains and a free makeup bag for asking.

Many of us hate to ask, but they offer the samples for a reason: not only to help you make future purchases, but as a small "thank you" for your business. I have received at least 25-30 small stocking stuffer-type items while doing my holiday shopping just from the last month or so. I encourage you to ask, you may be pleasantly surprised by how many great stocking stuffer items you can get for free while doing your normal holiday shopping! I even asked at an electronics retailer, and received a free pair of ear buds for an ipod. Why not?!

I am not advocating taking advantage, but I am advocating making every dollar you spend work for YOU.

p.s. Looking for stocking stuffers for the eco-friendly and green living person on your list? Here are some amazing offers!

25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #9

After over 15 years in retail, I am a true veteran in knowing what categories are strong for retailers to make margin. One such category are those adorable "stocking stuffer" type items you see all around the stores this time of the year. These are huge margin categories for retailers, and while I love to indulge in some of them, and certainly will again this year, I think that there is a fantastic alternative to finding fun stocking stuffers!

HOLIDAY SHOPPING TIP #9:

Go to the "Dollar Store"-type retailers for fun stocking stuffers!

I have found that most of the items that I would use for stocking stuffers or to fill little gift bags for parties, school parties, etc., are at the .99 store! They may not have the fancy brand name, or slightly less fancy packaging, but they are the same item, for much less money! And, when you can save a bit on stocking stuffers you can either keep that savings, or put it toward something special for the family.

p.s. Looking for stocking stuffers for the eco-friendly and green living person on your list? Here are some amazing offers!