If you missed it, part 2 can be found by CLICKING HERE
Christmas is a joyous time of year. But it also brings a lot of stress and debt with it. You can combat these issues with some of these tips that i’ve learnt.
Shopping around to find interest periods can be key. That is, if you’re using a credit card. Make a point of writing down dates when payments are due, to avoid any unexpected and more importantly, unnecessary payments.
When buying higher end and more expensive items, research them. Almost all electronics will come with the offer of a warranty. Knowing if a company fixes an item for free simply by shipping it in to them, means theirs no point in buying a 200$ warranty from the store. On the other hand, if the item is said to have issues online by people that already own it, and costs or repair can get up there, then for that reason the warranty is on your team. Researching it can pay large dividends.
Although it can be tempting to buy the TV thats 300$ cheaper but you don’t recognize the name, DONT. The tops of products like TV’s, ie. samsung, sharp etc. are the industry leaders for a reason. They make quality and reliable products. Should they falter, they have great replacement and repair policies. In the long run, go for the trusted name. If its something you’re going be using repeatedly, or plan to have for several years to come, then stick with the names you trust, even if it means shelling out a little more dough. It will be worth it in the long run.
These points can help you have a merry and reduced stress christmas. Make a battle plan for buying gifts and stick to it. And above all else, enjoy time with friends and family. Cherish the things money cant buy!