Holiday Shopping On A Budget: How To Do It This Year
Once the fun part of the holidays is over, often we find we’ve spent more than we could afford and are now facing financial hardship, either in the form of an emergency or through our being unable to pay our bills. You could avoid this situation by holiday shopping on a budget. Here are our tried-and-true methods for how to do that. We’ll also cover where you can secure emergency money through fast payday loans online in case you’ve overspent and can’t afford rent.
The ugly truth of the holiday season is that we’re bombarded by ads to spend money almost every step of the way until the season is over. And most of us tend to fall for the seduction. It’s normal to want to buy nice things for ourselves and for those who we love, especially during the holidays, but what happens if we don’t have the money to spend on them?
Holiday Shopping Tips To Stay Within Your Budget
1. Create A Budget For Yourself
When it comes to creating a holiday budget, if you’re new to it, you’re going to have to determine how much you can spend on gifts this year. This number can then be divvied up according to how much you’ll be able to spend per person. Stick to this number. This will keep you from going overboard.
2. Make A Shopping List Based On The Budget
The budget should determine what you’ll be buying, not the other way around. The best way to avoid temptation is to work off of the list of things you’ve decided to acquire before you start shopping, instead of browsing mindlessly. Each time you decide on what to buy for each person, subtract that amount from your overall budget number.
3. Don’t Be Afraid to Thrift Or Look For Used Options
Instead of buying new items, look for what you need in thrift stores and online on platforms where people sell their stuff (such as Mercari or Facebook Marketplace). Just make sure the items are in good condition before buying them.
4. Don’t Fall For Sales
Sticking to your list – even in the face of 70% sale – is what will determine the success of this affair. So, don’t fall for the sales, unless one of the items on the list can be substituted by it (and it won’t break the budget).
5. Leave Some Wiggle Room In Your Budget
If your budget is too rigid, you WILL overspend. Unexpected expenses just can’t be avoided during the holidays. Make sure you leave some extra cash you can spend without having to worry about it in the budget. When you start saving up for the holidays, try and tuck aside some extra money aside, even if it’s a few dollars, to bolster your budget.
But what happens if you find yourself unable to pay bills for a month? Fast payday loans KY can help.
Payday Loans: Everything You Need To Know
If you’ve accidentally miss-budgeted or an emergency pops up that requires more than you can spare, a payday loan can help you bridge the gap between paychecks. For starters, payday loans are short-term unsecured loan that allows you access to money through you providing your most recent paystub. They function by being easy to apply for, fast, and they’re committed to getting you same-day cash when you’re in a pinch, holidays or not. They also come with a few benefits. Keep reading to find out more!
The Benefits of Payday Loans, Kentucky
As previously mentioned, payday loans are among the fastest loans on the market for you to take out. This is due to a number of reasons, namely being that we don’t require much in the way of documentation, just your ID, your most recent paystub as proof of employment, and a blank paycheck to your bank account. Since they’re unsecured, there’s no collateral necessary to secure your loan money. Because of this, we accept all forms of credit.
How To Take Out Kentucky Payday Loans
If you do decide to take out a payday loan, these are the requirements every lender will ask you to satisfy:
- You should be 18
- Your valid ID
- Have an active checking account
- And you need to have your blank check
As long as everything’s in order, the process will go something like this:
- You submit a short form that can be found on our homepage
- You’ll receive a phone call from a representative to review the information
- Your application will be processed
- You’ll be approved and receive your cash
Since the procedure is so simple these days, you’re never far from emergency payday loan money. Holiday shopping on a budget is difficult, but applying to payday loans isn’t. Start your application today!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.