Frugal Christmas Tips
Save Up Your Reward Points
Most retailers these days have some sort of reward points program. These points are meant to be accumulated over a long period of time, so take advantage of that structure. You don't have to do anything different from what you normally do. You just need to be sure you have a loyalty points card, or that you save up the savings coupons you get when you shop for everyday items.
This strategy works best if you remember to shop at the places that will offer you loyalty rewards. It might mean going a bit out of your way for milk or gas, but it's going to be worth it at the end of the year. Remember to take advantage of combined offers too, like using your club credit card to earn additional points or to multiply the loyalty card points.
Save Spare Change
You can never go wrong with cash! So throughout the year, tuck away your loose change and save it up for Christmas. If you can manage it, put away bills too and not just coins.
Open a Christmas club account at your bank or credit union, and deposit that money into your account. You might not get much return from the interest, but even a little interest is better than none! And putting the money in an account that you can't touch until the holidays, protects those pennies from you.
Many web sites these days offer savings at stores you would normally shop at anyway. Amazon, Best Buy, Target, and Walmart are just a few of the stores where you can shop online through a gateway like For The Schools . This kind of site offers significant savings at all participating stores – either in the form of an immediate discount, or a cash back.
Be sure to visit the sites regularly to check for specials and coupons which might lower costs even more. Some sites even offer a mobile app, which can help you keep track of additional savings even when you're on the go.
An additional benefit to a site like For The Schools is that it's also a fundraising site. You can help your favorite school, team or club set up an account on the site so they'll also earn money when you make purchases. That's it's own form of giving, plus earning savings throughout the year means you'll have more at the end of the year to make a cash donation to your favorite cause!
Image Credit » http://pixabay.com/en/gift-package-loop-made-christmas-444520/