Broker Check


October 30, 2017
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Ah the holidays… the time of year where our schedules fill up with parties, good food, laziness, and nostalgic movies. While the holidays are joyful and a perfect excuse to dive into some baked goods, it can also be a hard time on the wallet. I have highlighted three ways to hopefully save some dollars this holiday season:

1.    Start your shopping early

October is the time of year when retail promotions start to pick up speed.  Friends and Family, Halloween, and Columbus Day promotions are all great times to hop online to take advantage of knocking out a couple gifts early.  

November promotions usually include: Veteran’s Day, Thanksgiving, and the widely popular Black Friday and Cyber Monday sales. Speaking of Black Friday, you don’t need to skip your Thanksgiving meal to wait outside for hours in the cold; Black Friday has become almost as popular for online shopping as Cyber Monday. Here’s some are websites dedicated to both days:

Black Friday:

Cyber Monday:

Cyber Monday is the Monday after the Thanksgiving holiday; this year it falls on November 27th. So, if you are too full to shop for your loved ones on Black Friday, you are in luck! Cyber Monday is a great day to find the best online promotions for almost every major retailer.

December has many deals, for those who choose to wait to shop. Green Monday is the 2nd Monday in December and has been picking up speed as a popular day for promotions - similar to Black Friday and Cyber Monday.  Free Shipping Day, is yet another one-day promotional event on December 15th in 2017. It is where you can, as you can probably guess, find free shipping codes for most retailers. They too have a dedicated round-up retail site

If you are interested in doing more research on promotions, “Brad’s Deals” has a Black Friday tip site:

2.    Pick Names for Gifts

This is always a great money saver if you are part of a large family or friend group. Each person picks a name from a hat and buy them a nice gift. You do not have to worry about the others! Although if there are young kids I would exclude them from the pile, at least that is what we do as a family. You can also set a spending limit if need be.

3.    Use Rebate Websites to Earn Cash Back

I use a rebate website year-round to earn extra money on items I purchase. What is great on these sites, is you usually get the rebate EVEN if there is a discount or promotion on the product. I personally use and have racked up at least a thousand dollars in savings over the years! Plus, most rebate sites participate in double cashback at certain periods of the year. There are many websites to choose from. Checkout “The Penny Hoarder” has nice descriptions on some of the top cashback websites.

I hope you found this simple guide helpful. Stay tuned for some creative gift ideas in the coming month!

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. All investing involves risk including loss of principal.