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Holiday, Vacation & Weekend

 

Tips on Saving Money during the Holidays

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that it’s just once a year, so better give what you have.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Here’s how:

1. Make a budget and stick to it

The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So what’s the point of making a budget when you do not know how to conform to what you have stated in there?

Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means

Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford.

The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!

As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare

It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you don’t have to be spendthrift. Nowadays, you really just have to be practical.

 

Students Spending During The Holidays

The holiday season can be a hard one, especially if you’re a college student. First of all, you probably don’t’ have the greatest job in the world, so you’re not going to be able to spend a lot of gifts. Second of all, if you don’t have enough money, you may resort to your credit card and this is where the big no-no’s start.

It’s important to realize that when you don’t have any money, you shouldn’t resort to your credit card at all. This means that even though it’s Christ...

mastercard student credit cards, master card, students, university, college

The holiday season can be a hard one, especially if you’re a college student. First of all, you probably don’t’ have the greatest job in the world, so you’re not going to be able to spend a lot of gifts. Second of all, if you don’t have enough money, you may resort to your credit card and this is where the big no-no’s start.

It’s important to realize that when you don’t have any money, you shouldn’t resort to your credit card at all. This means that even though it’s Christmas, you’re going to have to be a lot more creative with your gifts. You shouldn’t go out and buy your brother that sixty dollar game when you only have twenty in your bank account. If you do have a little cash to spare during the holiday season, then we can help you spend that money wisely so you don’t end up near that debt ledge.

Think of a budget

Before you even start spending your money, write down every person’s name that you want to buy for. Next to their name, note a little price that you’re willing to spend on them. This way when you go out to buy the gifts, you’ll know exactly what you can spend on each. Make sure that you stick to this budget. If you tend to go over, you may spend more than you want to and this is what leads people to debt.

Be Creative

Instead of going out and buying that expensive video camera, you can think of something a lot more creative that will cost probably eighty percent less. There are plenty of good gift ideas out there if you put your mind to it. If you don’t have a creative mind and you would rather just buy the expensive gifts, this again can cause you to spend more than what you can handle.

Don’t overbuy

The holidays are about the spirit of giving but you also have to make sure that you’re not buying for too many people. A lot of the times you may feel bad if someone gives you a gift that you never expected to get one from. Think of what others will think if you give them a gift and they weren’t expecting it. It’s usually best to keep gifts to your immediate family and your very close friends. If you do this, you shouldn’t have to worry about buying things for people that won’t give you anything.

Prepare for the next year

This sounds stupid to a lot of people but after Christmas, it’s usually the best time to buy a lot of items. People tend to return a lot of open box items that still work. Since the retailers can’t sell them for the full price, they will usually set them on a table for half the price.

This is when you can come in and buy these great bargains. If you see something someone might like, you can always save it for next year.

Staying out debt during the holidays is only hard if you make it that ways. It’s important that you budget and make sure that you stick to it. If you can follow these steps, the debt path will never come your way.

 

The Best Way To Buy Luxury Holidays

The critics of the travel agent often say packaging your own holiday saves you money and this is what you should do but in today's volatile world is your money safe? Should you pay more to an agent for peace of mind?

Buy Luxury Holidays

When choosing your luxury holidays who will offer you the best deals?

The critics of the travel agent often say packaging your own holiday saves you money and this is what you should do but in today's volatile world is your money safe? Should you pay more to an agent for peace of mind? Should you book your luxury holidays directly with an independent operator and cut out the middle man? There are so many options to consider, so what do you do?

As with most things in life there are advocates with a strong argument in favor of all the options, so who should you listen to?

I guess the conclusion will be different depending on your perspective, how much money is too much to risk? Typical luxury holidays will cost between £2k and £20k and that is the cost of a good second hand car, the deposit on a house for your son or daughter or that new luxury kitchen or bathroom you have always wanted. Would you buy a car from a man you had never met, based in a country where you couldn't speak the language, pay the man the money three months in advance of seeing the vehicle without any guarantee of financial protection? Probably not!

On the other hand you may be tempted if that man was offering the same car as your dealer down the road at a much lower price.
Surely the answer lies somewhere between the potential savings, potential risks and the amount you intend to spend but do you really know what the potential risks are or how much you have really saved.

Every high street in the UK typically has one or more of the multiple chains of travel agents and usually a local independent agent both of which seem to be closing down at a rate of knots. The problem with both these options are fairly straight forward; if you book your luxury holidays with the multiple that is in turn owned by the tour operator, then surely recommendations will be biased to their employers products and not necessarily finding you the consumer the best deal. The second option being the independent travel agent but being based in the high street and encumbered by the cost of expensive shop rents and ridiculous business rates, are they really in the best position to offer you the biggest discounts on your luxury holidays? Again the answer has to be probably not.

Booking your luxury holidays online seems to be the way the trend is going, so how do you know that you are getting the best deal? Many suggest you should book with the tour operator direct as this will cut out the need for the operator to pay an agent commission and in turn deliver you better value for money. The question is without trawling through all the hundreds of tour operators how do you know you are dealing with the one that has the best luxury holiday offers. You Don't.

You can of course book your luxury holidays independently as suggested before. So you go ahead and start hunting for the different elements of your holidays on-line and inevitably find that packaging them together saves you a little money but at the cost of financial protection.

The next option is using a member of one of the new travel agents consortium in the UK. One of the most successful and fastest growing is the Freedom Travel Agents consortium which is part of the Co-operative Group. These consortium have created a new breed of travel companies that have access to both an ABTA and ATOL licence allowing them to retail other tour operators luxury holidays as well as act as the principle tour operator and dynamic package your luxury holidays for you, much in the same way as you would on-line but providing you and your family with the financial protection you need.

Having access to all the tour operators products at the touch of a button and having specialist knowledge of each operator and their strengths and weaknesses mean that often these agents will be able to find the bargain you may have otherwise missed.

As a consortium there are considerable savings to be had by its members and often much better commercial deals with the tour operators allowing more freedom to discount. The leaner and more efficient a business can be the greater the saving for you the consumer. The best of these agents can be found on the web and so unencumbered by those high street costs and in turn able to offer you the consumer the greatest savings on your luxury holidays.




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