Do you ever feel like you are a PROFESSIONAL ONLINE SHOPPER?
Like you have serious online shopping skill-z? You could SO get paid to shop for your friends? Right?
You’ve been looking everywhere for these shoes. They’d look great with those new skinny jeans you just bought.
You finally find the shoes in your size at Zappos.com. But then you click away so that you don’t make another impulse buy.
Then you hop on over to Facebook. You see the SAME shoes in an ad from Zappos! (that’s called retargeting – one of the best marketing tactics evah).
It’s so hard to NOT to buy those stinkin’ shoes! Especially when the holidays are coming up. You want to save some money so you could buy gifts for your friends and fam.
Plus, in the back of your mind, you know that….
BLACK FRIDAY is coming down the pike.
It could be bad. Like real bad. You could spend $1000 in 12 minutes.
You could set your new Professional Online Shopper Record.
I STILL want you to be a shopping PRO – But in a different way.
I want you to be the SMARTEST Professional Online Shopper ever – especially for the Holidays.
I want you plan out your money shiz for the holidays. If you have a spending plan – you won’t go overboard.
So here are my 4 spending tips for the holidays.
1. Create An Overall Spending Plan for the Holidays.
You can TOTES do this. Involve your spouse or significant other on this one. Big time. Money is one of THE biggest things that kill marriages/relationships. Get on Da Same Page.
Write down how much money you want to spend from Thanksgiving through New Years Day.
That includes gifts, vacations, and any entertaining you might do. Plus anything you want to buy for yourself – which by the way is TOTALLY OK.
Write this number down before Thanksgiving – and definitely before Black Friday.
Once you know how much money you are want to spend this holiday season – you need to determine if this will affect your savings plan. I am assuming you are saving for something for your future
For example, if you are saving $500 a month for retirement, can you afford to do that during November and December? You need to be MAJOR clear on this. Major.
2. Make a List With Gift Ideas and the Dollar Amount You Want to Spend Per Person.
Have fun with this one. I’m sure you feel good when you buy stuff for your peeps. I bet you ROCK at giving gifts.
Add or subtract your list of people based on what you can afford. Cross people off the list as you buy gifts for them.
3. Research Your Options Online.
Comparison shop. Find the best deals you can. Check each store’s return policy. Don’t forget about shipping. Maybe join Amazon Prime. Go on social media and ask your friends where the best deals are.
4. Track Your Spending.
You know how much money you want to spend during the holidays.
Track what you have spent vs your goal.
Spend money that you have. Don’t go into debt. Don’t invade your emergency fund.
What’s your favorite place to shop online? Email me. Because I am working my shopping plan right now!!!
© Copyright 2014 Justin Krane, CFP