Showing posts with label Holiday Shopping. Show all posts
Showing posts with label Holiday Shopping. Show all posts

Thursday, November 12, 2020

5 Benefits of Using Your Cash For Holiday Shopping

The holiday season will soon be upon us all. While it is a happy time for almost everyone, it can also be a stressful time as well. One of the more stressful parts of the holiday season is all the shopping that needs to be done for family and friends. 

It's always a good idea to get a head start. However, while you're out shopping for Christmas gifts, you should consider doing one thing. Buy your gifts with cash. Doing so can give you some significant benefits over putting your gifts on credit.

You Pay More with Credit

Perhaps the number one reason why it's a better idea to buy Christmas gifts with cash is that you're paying more when you put a purchase on your credit card. Purchasing on credit isn't just putting off the payment of that purchase until later. Instead, you are also paying for the interest on that short term borrowing. 

Credit purchases can also result in fees in certain cases. Overall, paying with cash saves money. Alternatively, the overuse of credit can suffocate your finances from all the debt and interest accrued.

You Can Take Advantage of Cash Discounts

Something else you may not realize is that certain retailers give you a discount for paying in cash instead of putting a purchase on your credit card. This may seem odd, but it's true. This will be the case if that retailer uses a cash discount program.

This kind of program benefits both the retailer and the consumer. For the retailer, their credit card fees are moved onto the consumer by including those fees in part of the billing to the cardholder. This can help smaller businesses deal with the expense of such fees that may be too much to deal with otherwise. 

However, the consumer can avoid this fee and receive an additional discount of up to 3.99 percent by paying in cash. Investigate what stores have this kind of program so you can save on your Christmas gifts by paying in cash.

You Can Protect Your Privacy

Another very good reason to pay in cash is that doing so is a sure-fire way to protect your privacy. This will not be the case if you instead make purchases with a credit or debit card. Companies now track all of a person's purchases made with their cards. This information is stored so it can later be used for purposes like sending targeted advertisements based on past purchases to your e-mail.

While it is claimed this information can't be viewed by just anyone, that is probably not true since it's stored in a database plenty of people within the company have access to. Your data being breached by hacking is also a threat. One large scale hack resulted in over 100 million credit card accounts being breached. 

If you want to have more privacy and keep your gift buying and other purchases completely private, paying with cash is your best bet. The retailer won't be able to track the fact you made the purchases with cash, and that information will not be stored in a database.

You Won't Go Over Budget

Another reason to buy your Christmas gifts with cash is that doing so will prevent you from going over budget. It's very easy to spend more than you planned on when all you have to do to make a purchase is to swipe a card. Unless you are a math whiz, you are probably not going to be adding all those figures up in your head if you make purchases at multiple stores.

With cash, however, it's far easier to stay under budget. All you will have to do is take a certain amount of cash out of the bank. When the cash is gone, you will be forced to stop spending. Unlike with a credit card, you won't end up spending a dime more than you planned on.

You Won't Harm Your Credit

Racking up debt is a risky venture. One thing that can happen if you overspend and end up failing to make payments in time is your credit score could take a hit. While the credit reporting agencies won't reward you for using cash, they are unlikely to penalize you for doing so either.

Bad credit can have serious consequences for your future. You could be blocked from taking out loans like a mortgage. You may even be blocked from getting an apartment. Using cash for certain purchases, such as Christmas gifts, can help keep your spending under control so your credit isn't harmed.

These days, people tend to put all of their purchases on their credit cards. While credit is appropriate for certain things, it shouldn't be used for all your purchases. This is certainly true when it comes to holiday shopping. Paying for Christmas gifts with cash has certain benefits you should take advantage of. Doing so can save you money, prevent you from overspending, and even protect your credit.

Monday, September 17, 2018

Think Ahead: Start Saving for the Holidays Now

As soon as the weather starts to get a little cooler, our minds automatically begin to drift to the holidays. Halloween, Thanksgiving, and of course, Christmas are right around the corner. In fact, they’ll be here before we even know it. Despite the months between now and the end of December, it’s never too early to start planning for the holidays. Why?

We all know that the holidays can get really expensive, really fast. And when you want to be that grandparent--you know, the one that spoils the grandkids silly every chance you get--well, it’s important to deliver on Christmas. One of the best ways to counteract the strain of Christmas costs, is to plan ahead.

Plan out your holiday gifts

It’s really easy to get caught up in the magic of the holiday season, and end up going waaaay over your holiday gift budget. Black friday and all of the holiday sales draw you in, enticing you with promises of sales and savings. 

This doesn’t mean that sales aren’t bad. In fact, it’s the opposite. However, you can’t let yourself get caught up in all of the sales. 

The best way to counteract that, is to plan out your holiday gifts ahead of time, before you even go shopping. 

This doesn’t have to mean planning out each individual gift, although it can if that’s what works best for you. 

Instead, you can plan out categories. You know you’ll get your daughter a doll, 2 items of clothing, a new game, and a book. Then, when you get to the store, only get those things you already decided you’d get.

Quality over quantity

One of the biggest frustrations as a parent is to see your child discard and ignore their Christmas gifts just a few short days after receiving them. The excitement of the holiday makes them excited for their gifts, but it often doesn’t take too long for these new toys to be forgotten. 

It’s frustrating to see the dozens of toys you got them, and spent money on, collecting dust and going unused. One of the best ways to fix this problem, is to be more mindful of the gifts you get your children and to get them less gifts. Instead of 5 small toys, get them 1 item they’ve really been wanting. 

Especially if this is something they are passionate about, and they can use for years to come. 

It may be more expensive, but it’s something that will last a lot longer, bring them joy years to come, and ensure that your money isn’t being wasted. 

Go ahead and buy your child that drum set, the recording equipment, or the expensive art set.

Buy now, gift later

One of the reasons that the holiday season can be so financially crippling, is because all of the extra expenses that go with the holiday all happen at the exact same time. Some of this is simply unavoidable. But if there’s an area where you can redistribute the financial burden, you should. 

One of the best, and safest, ways to do this, is by buying presents early. Before prices inflate for the holidays, head out and grab a few of the gifts you know you’re planning on giving. You can save them away in a high shelf in your closet and wait for the snow and holiday season to arrive before gifting. 

If you have children, a pretty good idea is to plan to buy one or two gifts every time you have to make the trip to the store. This will equate to an extra $20-$50 per trip, rather than having to spend hundreds of dollars on one trip, on the same paycheck. 

By spreading out your gift buying for a few months before the holidays even start, you’ll be saving lots of money, beating the holiday shopping crowds, and keep yourself from getting too stressed out in the new year.

Sunday, August 26, 2018

Get Ready For the Walmart Black Friday Sale 2018

With grand Black Friday Sales 2018 approaching in couple of few months, Walmart is coming up with some possible expected discounts that will be offered to its customers in the upcoming once in a year sale which will start on November 23, 2018. Walmart is fully excited for the grand bandwagon where it will offer much more attractions and discounts as compared to the previous year Black Friday Sales.

During the Black Friday week, Walmart will keep on surprising its customers with numerous deals and offers such as early access to Black Friday deals, pre-black Friday, Black Friday online specials and much more to fascinate its customers. Walmart will offer majority of the products at attractive lowest prices and if you are crazy for electronic devices including TVs, Cell Phones, Laptops, Smart Home gadgets to name a few, then this Walmart’s Black Friday Sales is exclusively for you only.

Some popular TV manufactures who will offer their products during the sale period are:

  • Samsung
  • Vizio
  • LG
  • Sony
  • Phillips
  • TCL
  • Hisense

You can buy all range of TVs including Smart TVs, 3D TVs, Curved TVs, QLED TVs and much more at jaw dropping prices, following is a glimpse of offers which can be yours in the Black Friday Sales 2018.

Following are the anticipated discounts on the most preferred TVs that will be offered by the company:

Sceptre 32" Class HD (720P) LED TV

Get into a world full of vibrant colors by buying the X322BV-SR, the HDMI input offers the excepnally supreme mixture of high-definition video and clear audio. Other features include:

  • Display Size” 31.5"
  • Backlight Type: LED
  • Resolution: 720p
  • Effective Refresh Rate: 60Hz
  • Aspect Ratio: 16:9
  • Viewable Angle (H/V): 178 degrees/178 degrees
  • Number of Colors: 16.7 million

Original Price: $179.99; Expected discounted price: $89.99

Overall ratings: 4.4 out of 5

SAMSUNG 50" Ultra HD Smart LED TV

Enjoy viewing the high dynamic range including the latest HDR10+ content on a stylish and modular TV that can adjust the picture quality as per the moving scene.

Some other inbuilt features consist of Smart Hub, Contrast Enhancer, Hybrid Log Gamma, Universal Guide, SmartThings App, PurColor, UHD Dimming, High Dynamic Range (HDR) Media Player among others.

Original Price: $599.99; Expected discounted price: $397.99

Overall ratings: 5.0 out of 5

VIZIO 40" Full Array LED Smart HDTV

This latest Full-Array LED has the superior picture quality with convenient smart TV experience.

The inbuilt high-speed Wi-Fi will enable you to view the content in a wink of an eye, instantly connect with numerous apps including Netflix, Xumo, iHeartRadio, Hulu Plus, Spotify, YouTube and much more.

If you are a sports freak then this TV is a must buy for you, D-series includes Clear Action" 240, which mixes strong and powerful image processing with 120Hz effective refresh rate for the better viewership of fast action scenes.

Original Price: $318.00; Discounted price: $229.00

Overall ratings: 4.0 out of 5

Hisense 49" HDR Smart LED TV

You can watch your content in more vibrant and bright colors with four times more pixels (8.3 million) than in the standard high-definition TV.

The inbuilt HDR technology enhances the brightness; the UHD Upscaler brings lower resolution content closer to 4K, and with Motion Rate 120 you can watch fast moving sports, action scenes and 4K gaming in a more lively and entertaining way. The inbuilt dbx-tv digital audio technology will give you the clear and loud sound without irritating your ears.

Original Price: $349.99; Discounted price: $299.00

Overall ratings: 3.6 out of 5

In addition to the above products, there is a never ending list of TVs on Walmart and you can easily pick the one according to its features such as the size of TV, brand, price and much more and can give a modish and sophisticated look to your living room in your homes. Stay connected to Walmart to know more about the grand door buster deals.


Cellphones are the most important electronic device that has made our lives more comfortable and entertaining, now cellphones are used for variety of purposes apart from just making or receiving calls. At Walmart, you can stay closer with the technology as the company has announced its plans to offer significant discounts on cellphones during Black Friday sale.

Some well-known cellphone manufactures who will offer their products during the Black Friday Sale 2018 are:

  • Apple
  • Samsung
  • Motorola
  • BLU
  • Huawei
  • HTC
  • AT & T among others.

Apple iPhone 6

  • Apple iPhone 6 is newest addition in the Apple iPhone family, the stunning 4.7” Retina HD Display allows you to view visual more clearly with amazing graphics.
  • The 8 Megapixel iSight Camera and 1.2 Megapixel FaceTime Camera, features 1080p and 720p video recording, enhanced face detection and sapphire crystal lens cover will allow you to save all your memorable moments with more clarity.
  • Battery will work for up to 24 hours.
  • Original price: $399.00
  • Discounted price: $179.00
  • Overall ratings: 4.0 out of 5

Huawei Mate SE 4G LTE Cell phone

  • The 5.93" fully HD screen offers an outstanding edge-to-edge viewing experience and with a 18:9 aspect ratio, you can view the scenes, watch videos, browse your clicks, or can play your favorite games with more clarity and accuracy.
  • The dual lens camera along with Portrait Mode will allow you u to take pictures of surroundings from different angles in a more lively and colorful way. The phone features a 16 MP and 2 MP dual-lens cameras.
  • The 4 GB RAM will allow you to accomplish the task in a more speedy way even when multiple apps are opened on your phone, and with 64 GB of storage you will never fall short of space to store all your personal and professional content.
  • Original price: $249.99
  • Discounted price: $229.99
  • Overall ratings: 4.5 out of 5

Samsung Galaxy S9 Smartphone

  • With Samsung Galaxy S9 Smartphone in your hand you can flaunt your style among your friends and known ones, if you are self-obsessed about clicking your selfies then this phone is a must buy for you. The phone’s camera captures photos like a pro and click amazing pictures in dark sun, moonlight and in extreme low light as well using its adjustable aperture.
  • This 5.8” smartphone has super AMOLED capacitive touchscreen, 1440 x 2960 pixels with Corning Gorilla Glass 5. Other features include 4 GB RAM, 64 GB internal memory which can be extended up to 400 GB using microSD.
  • Original price: $719.99
  • Discounted price: $619.99
  • Overall ratings: 3.5 out of 5

So keep yourself updated with the offers that will be posted on Walmart’s website on regular basics, you never know what kind of offer the company will introduce for the Black Friday Sales; there is still some time left for the grand event but Walmart has already started preparing for this mega sale so that its customers can prepare their shopping list well in advance and can take the maximum benefit out of it.

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