Today it seems that everyone is out and about to get the boxing day specials – save some money, right?
If you want to go out boxing day shopping, here are a few things to keep in mind if you don't want to blow your hard earned money on stuff you don't really want with a side of guilt to go with it – not to mention more credit card debt and more interest to pay.
It already doesn't sound like much of a deal, does it?
BOXING DAY SHOPPING RULES TO LIVE BY
1. Browse the flyers. Go if there is something that you would be buying anyway but is at a vastly reduced price right now.
2. Ask yourself before you purchase anything –
- Do I really NEED this?
- Do I even really WANT this?
- Do I have a place to put it?
- What do I want to get rid of to make room?
- How much is this really going to cost me if I have to pay interest on it to buy it?
- Here's the kicker – could the cash be better 'spent' by putting extra on my mortgage, on an extra credit card payment or into my savings?
IF YOU THINK YOU ARE SAVING MONEY…
be sure to fully consider these things first and take into account any extra spending that you are almost sure to do when you hit the mall.
LEAVE YOUR GUNS AT HOME…
You can reduce the margin for error by following one rule.
Set a budget before you go and then just bring enough cash to cover it.
I know. The thought of it even gives me the willies. You just know that there is going to be a great bargain on something you haven't brought the cash for. Horrors!!
Just ask yourself, what's more important – your budget or that special thing?
(don't forget gas money, but just bring enough or fill your tank before you go)
OR YOU CAN JUST STAY HOME
That's what I'm doing. Personally, I am shopped out. If I never see another mall for the next 6 months I'll be happy.
As a matter of fact I've declared that I am going to be making a point of just that over the next 6 months (or more!)
Care to join me?
I'll have more on that later, for now I just wanted to send this to you in case you had itchy 'boxing day' fingers.
Remember, everything in moderation. If you can decide what you want to spend and just spend that – go on and have some fun and get a few bargains!
Sometimes you've got to have some fun.
BOXING DAY SHOPPING ALTERNATIVES
Just be sure to think before you go and be sure that it's what you really want to do.
You can spend the day relaxing at home or catching up on something. That's free! And very satisfying.
Got a good book you've been wanting to read?
I hereby give you my blessings to park it on the couch or in your favourite chair with a cup of tea and a blankie – pop a movie in for the kids. It's only the time you'd be spending elbowing your way around the mall anyway.
I'd love to hear how it goes whether you go out or stay home.
How about popping in and letting us know in the comments section below?
HOW ABOUT YOU?
If you want to really see a difference and even have some fun with it, I'd like to invite you to sign up for your free access to Making Change Simple Spending Plan ready for you.
It's the complete system that I've been using to save lots of money. It's truly amazed me how well changing a few simple things has worked for us to get off of the spending treadmill and get onto paying down credit and building our savings.
You really can make change – your own. I hope that you give it a shot and start using your money to work FOR you, it's yours after all.
Making Change Simple Home Budget System
Get your money for nothing.
Don't forget to pass it around if you know someone who would like to get control of their money too.