This year I’m excited to be partnering with Discover to share many of the great programs they offer consumers. All opinions are my own.
Are you still searching for the perfect Christmas gift this season? If so, don’t buy a selfie stick! According to Discover’s Holiday Shopping Survey 2015, 55% of respondents intend on returning this gift after Christmas!
Holiday spending is up this year, after declining in 2014, and I’d love to share with you a few ways for students (and everyone else!) to stay under budget yet still give meaningful gifts this season.
Create a Budget
The best way to stay under budget is to have a budget before you start shopping. Figure out how many gifts you need to purchase this year and the total amount you can afford to spend.
Challenge yourself to find awesome gifts that are also great deals and commit to staying within your budget this year.
I’m a huge fan of getting all my shopping done from my living room and avoiding the traffic and crowds. When I shop online I’m able to price check all my items before I hit the order button and I always search for deals and free shipping.
Most major credit card issuers offer an online shopping portal, like Discover Deals, which gives you cash back when you shop at your favorite stores after connecting through the Discover Deals site. With Discover, you can redeem those credit card rewards for a statement credit or a direct deposit.
Getting cash back is one of my favorite ways to save.
Make it Yourself
Over the past four years we’ve featured hundreds of DIY gifts on this site. Even if you aren’t a glue gun ninja, we have gift ideas that are simple enough for a child to make.
Homemade gifts are meaningful and allow you to add a bit of your own personality to the gift. They are also a great way to stay under budget. Many of the homemade gifts we feature are under $5!
Remember Your Rewards
Don’t give up free money! If your credit card isn’t rewarding you for making purchases it’s time to get a new one!
If you have a student in the family, the Discover it® chrome for Students card gives cardmembers:
- 2% Cashback Bonus® at gas stations and restaurants on up to $1,000 of combined purchases quarterly
- 1% Cashback Bonus on all other purchases
- The ability to pay with your Cashback Bonus on Amazon.com
It’s silly to not maximize your savings with credit card rewards! You don’t have to look for a coupon code, search for free shipping, or shop at multiple stores for the best deals. If you are spending you’re getting rewarded, it’s the easiest way to save!
The Gift of Time
Even though spending is up, for some, there might not be enough room in the budget for gifts for everyone on their shopping list.
The gift of your time could be the best gift of all. When my kids were younger, I would have LOVED for someone to offer to babysit so I could go to the grocery store alone!
Everyone has a special talent or skill that could help someone else this holiday season. Shovel snow, wash a car, weed flower beds, walk the dog, babysit, bring them a meal, fix something on their house, paint a room, or organize a closet, these gifts are truly appreciated and are free to give! They’re also my favorite gifts to receive!
Don’t forget the cards! I didn’t get around to sending Christmas cards out this year (again) but I LOVE receiving them! I love seeing pictures of friends and family from all over the world, it’s something I really look forward to receiving each year.
What is your favorite way to save this holiday season?