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#81. When interest rates rise, businesses are likely to invest less in capital and households are likely to spend less on housing, cars, and other major purchases.
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Welcome
Spread Some Holiday Cheer While Being a Savvy Shopper!
The holidays will be here before we know it, and that means it’s time for festive celebrations, cozy gatherings, and, of course, shopping! Whether you’re buying gifts for family and friends or treating yourself, understanding how to be a smart shopper can make a big difference in how much you spend and save.
- Set a Budget. Before you start shopping, the first step is to create a budget, which is a plan for how you will spend your money. Think about how much you can afford to spend without going overboard. It’s important to be realistic when creating your budget, and making sure you stick to it!
- Make a Gift List. Create a list of people you want to buy gifts for and use your budget to help you decide how much you plan to spend on each person. Remember, it’s the thought that counts, so a heartfelt gift doesn’t have to be expensive!
- Do Your Research. Knowing what you want to buy and how much it usually costs will help you spot a good deal when you see one. Most stores have websites where you can compare prices and see which store has the best price for the item you want. Be sure to look at the product reviews. The cheapest price may not be the best deal if the item is made poorly or if a store has marked up their prices then offer a discount and make it look like a great deal.
- Use Coupons and Loyalty Programs. Coupons can be printed on paper or a digital code that allow you to get discounts on your purchases. Search for coupons online or on the store’s app. Some stores offer loyalty cards that give you discounts or earn you points towards future purchases. This can be a great money saver if you often shop at the same store.
- Avoid Impulse Buying. When you find something you really like, it can be tempting to buy it immediately. This is the time to take a few minutes to think it over. Does it fit within your budget? Will the person you’re buying for truly enjoy it? Asking yourself these questions can help you resist the impulse and stay on track with your budget.
Follow these tips and you’ll not only save money but also enjoy the shopping experience!
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