The Ultimate Guide For Holiday Shopping On A Budget

December 21, 2020 | June Mckaig

holiday spending budget south carolina

 

This pandemic has changed life as we know it, and the holiday season is no different. But just because things are different that does not mean we forget the traditions that make the holidays so fun. One of those traditions is holiday shopping!

Whether you are shopping for yourself or buying gifts for your loved ones, holiday shopping can be quite fun. But at the same time, it can be stressful for those living on a budget. But just because you are living on a budget does not mean that you should miss out on all the fun.

6 Things To Remember When Holiday Shopping On A Budget

1. Start Early

You may have heard the phrase, “the early bird catches the worm”. But now is when you should be getting ready for “the early shopper catches the deals”. Getting an early start on your holiday shopping list gives you more time to think and look for the best deals. You can compare prices by going to different stores or on price comparison sites online.

A lot of items on your list might be in high demand and will fly off the shelves as you get closer to the holidays. And if you start shopping too late, you might have to pay extra for in-demand items. Also, starting early gives you the chance to avail sales and deals.

2. Hit Sales

Going off of our last tip, you should always be on the lookout for sales. Black Friday and Cyber Monday are the most high profile sales before the holiday season. But these aren’t the only sales you should rely on. Instead, many stores and online retailers run their own sales campaigns so be sure to check them out.

Subscribing to newsletters can be a useful way of keeping in the loop. And many places even run ads on social media.

3. Check Credit Card Points And Rewards

One thing that a lot of people miss is the points accumulating on their credit cards. Be sure to check your credit card statement and its website to check how many points you have accumulated and how you can use them. If it’s possible, buy gifts using those points.

4. Avoid Shipping Costs

Another tip for holiday shopping on a budget is to avoid shipping costs if you are ordering online. Try to look for online stores that offer free shipping. If that’s not possible then many stores actually have a minimum shopping limit, after which shipping is free. Try to buy things together from the same store to avoid paying for shipping.

If you can’t do that then check if there is an option for getting your order delivered in-store. In-store deliveries are generally free or have reduced shipping charges.

5. Make Extra Money

If you find that you are struggling to make your holiday shopping budget work, you may want to look into earning quick cash for the holidays.

 

For more holiday financial tips and tricks, be sure to read our other holiday blogs:

How To Plan Your Budget for the Holidays

10 Ways To Make Extra Money During the Holidays

The 20 Best Affordable Gift Ideas

 

6. Get A Title Loan To Handle Emergencies

Chances are the tips in this holiday shopping guide will be useful for you. But one thing that you cannot budget for is emergencies, especially during the holiday season. Urgent hospital bills, home repairs, and travels can be unexpected and put a huge strain on your wallet.

In such situations, if your car is your only asset then you might want to consider getting an online title loan from Carolina Title Loans.

 

shopping holiday south carolina

 

Benefits Of Title Loans Near Me

Easy And Fast Process

The biggest advantage of title loans is that they are easy to obtain and, if you are approved, guarantee your cash either the same day or the next. All you have to do is to fill out an online application form to begin the process. We even give you the option of having one of our loan representatives come to you so you don’t have to come into the store in South Carolina. And we don’t make you bring in a laundry list of required items to get the cash for your car title.

Bad Credit Isn’t A Problem

Another advantage of title loans is that we don’t hold poor credit against you. While most traditional lenders will require a guarantor or good credit history, there are no such requirements for getting a title loan. Your car is a good enough insurance for title loans so bad, or even no, credit history is accepted as well. So if your credit score was holding you back, it doesn’t have to!

You Can Keep On Using Your Car

If you get an auto title loan your car won’t be requisitioned and you will be free to keep on using it as long as you make the payments. And while this is known as a “car title loan,” that doesn’t mean you can only get it with a car. If you don’t happen to own a car but you do own another kind of vehicle, you can use it for this loan. Vehicle title’s from vehicles like motorcycles, RVs, trucks, SUVs, and so on can all qualify.

Easy Payback

Another benefit of title loans is that there are multiple payback options available. When you meet with us – either in the store or at a location of your choosing – you will go over the repayment options with the loan rep. But even if you can’t make that schedule, we will sit down with you to come up with the right solution.

How to Acquire Title Loans Near Me

To acquire a title loan, you can either go the old fashioned way by visiting a store or you can have us come to you at a location of your choice. All you have to do is to open your web browser and type in title loans near me. Once you find our website, fill out the online form and follow these steps:

  1. You will get a call from one of our loan representatives to go over the rest of the process, answer any questions, and set up a meet at a place of your choosing.
  2. Whether you come to the nearest Carolina Title Loans or we come to you, you must have your ID or driver’s license, your vehicle’s lien-free title, and your vehicle.
  3. The representative will look at your ID and title and do a quick inspection of your vehicle to determine how much you qualify for. They will then decide if you can be approved.
  4. If you are approved, They will help you finish the paperwork. Then, you will either get your cash right there or the next bank business day.

This holiday, making shopping on a budget a breeze. This ultimate guide can help keep you on your budget while still getting some great gifts.