Christmas Shopping for Kids

Christmas is a truly magical season that is enjoyed by many but no one enjoys the Christmas season more than kids. It might be the prospect of some well deserved time off from school, the allure of the lights and decorations, the beauty of the snow that often accompanies Christmas or just the anticipation of Santa and his sleigh filled with toys that is so exciting for children but it is evident that most kids are truly enchanted by Christmas. For this reason many adults truly enjoy shopping for kids and Christmas time.

While Christmas shopping for kids is a great deal of fun there are some factors to consider when Christmas shopping for kids. A few of the specific concerns include selecting age appropriate toys, selecting toys which are not too noisy or too big for the child’s living situation, selecting toys the child does not already have, selecting toys which the parents consider to be acceptable and finally selecting toys the child will enjoy. This can make Christmas shopping for kids a little more difficult but does not make the shopping any less fun.

Selecting age appropriate toys is very important when Christmas shopping for kids. This is so important for a couple of reasons. First of all it is important because toys which are designed for older children might be potentially dangerous for the child. For example toys which are designed for children over the age of three may contain small pieces which pose a choking hazard. Children under the age of three still often put toys and other objects in their mouths so they must receive toys which contain only pieces large enough to not be a choking hazard. Also, toys which are designed for an older child or even a younger child may not be as much fun for the child as they would be for children of the appropriate age. If the child is too young for the toy, they may be come easily frustrated because they can not use the toy appropriately. Conversely a child who is too old for a particular toy may become bored with the toy quickly.

When shopping for Christmas gifts for a child, it is also important to consider the child’s parents and the living situation. This includes the size of the living area and the proximity to neighbors. Specifically toys which are particularly noisy may not be appropriate for a child who lives in an apartment building with other apartment units nearby. Also, large toys such as a trampoline may not be appropriate for a child who does not have a yard large enough to accommodate such a gift. Similarly large indoor items such as a foosball table would not be appropriate for a child who does not have a dedicated toy room to accommodate such a large item. As a general rule it is best to stick with small items which do not make a great deal of noise when Christmas shopping for kids.

It is also important to consider the personal beliefs of the parents when shopping for Christmas gifts for their children. Specifically you should not purchase an item for a child if you know their parents are ethically opposed to such as item. Guns and violent video games are a couple of obvious example of Christmas gifts which may offend the parents. There are many parents who do not allow their children to play with these items because they believe they promote violence. If you are not sure about the feelings of the parents, it is best not to select these items.

Finally, when Christmas shopping for a child, it is wise to consult the parents beforehand. This can be helpful for a couple of different reasons. First the parents can give some insight into the child’s hobbies and interests which may make selecting a gift easier. They may even suggest a specific item from the child’s Christmas list ensuring you are giving the child something he really wants for Christmas. Consulting the parents can also prevent you from giving the child a gift he already has. Try calling the parents before you make a purchase to suggest a particular item. They can let you know if they think the child will enjoy the item or if the child already has the item.

photo credit: danagraves

Christmas Shopping for Your Boss

Christmas shopping for your boss can be a difficult situation. First of all purchasing a Christmas gift for your superiors at work is considered to be somewhat of a faux pas unless the gift is being purchased by a group of employees. While giving Christmas gifts to subordinates is generally an accepted practice, gifts from individuals to a boss can be viewed as an attempt to gain advantages such as promotions or favorable projects or treatments. As a result care should always be taken when giving Christmas gifts to a boss. This article will take a look at situations in which giving a Christmas gift to your boss is acceptable and will offer tips for Christmas shopping for your boss.

While an individual giving a Christmas gift to the boss is not an accepted practice it is acceptable for a group of employees to purchase a joint gift for their boss. As an example, a boss who oversees the work of a small group of employees may receive a gift from this small group collectively and this would be considered appropriate. In this way the gift is viewed as a gesture of appreciate from the members of the group and not an attempt by one of the members to gain favorable treatment. However, even in this acceptable situation, Christmas shopping for your boss could be quite difficult.

The first area of concern when Christmas shopping for your boss is setting a budget. If you are shopping for a gift from a large group of people, it is a good idea to collect the money first and then use the amount collected to set the budget for the gift. You may ask for a small amount of money, typically around $5-$10 from each person and once the money is collected you can search for items which fall within your budget. You should not exceed the amount of money you collected because it is not considered acceptable to ask for additional money if you had promised to stay within budget. Most people have a great deal of shopping to do and being asked to contribute additional money can be somewhat of a hardship for them. However, it is considered acceptable to spend a little less than the budget as long as you refund the remaining money equally to everyone who has contributed. For example if you spend $20 less than you collected from 20 people, you should return $1 to each person who contributed. If you are the person shopping for the Christmas present you may have to exercise some common sense and make judgment calls if necessary. For example if you collect $120 and purchase an item which costs $121.04, including tax, you may opt to simply pay the additional amount yourself if you are able to do so. The additional amount is quite small and if the gift is appropriate, it might be worthwhile to incur this small expense for the sake of purchasing a perfect gift which is within your budget.

Christmas shopping for a boss can also be rather difficult because you may not know what to buy for your boss. If you are not particularly close to your boss and do not often socialize with him you may not know a great deal about his interests. In this case it might be a good idea to either ask someone who knows him better to do the Christmas shopping or at least ask them to provide you with a few gift ideas. Other employees may know the boss better because they have worked with him longer or because they participate in activities such as company softball games with him. In either case, they can probably provide you with some insight into his interests which would help you select a gift he will appreciate. If you are unable to come up with a suitable gift idea, a gift certificate to a local restaurant is always an appropriate, and appreciated, Christmas gift.


photo credit: rick

Getting over the Christmas Giving Blues

Getting over the Christmas Giving Blues? Take the Christmas Budget Challenge.

With Christmas just around the corner, our focus is slowly starting to shift from our work commitments to Christmas and with it comes the annual Christmas spending spree. Unfortunately many families don't set a Christmas budget and they rely on their credit cards to get them through the festive season.

Shortly after Christmas these same families will also develop symptoms of the "Christmas Giving Blues" which can include an upset stomach, lack of sleep and anxiety.


You know that feeling. You spend up big, charge it on the card, and then spend the next couple of months worrying about how you are going to pay off your Christmas debts while vowing never to let this happen to you again.

Unfortunately, this is a reality for a lot of families every Christmas and they just don't seem to be able to break out of the cycle.

This year, give yourself and your family a Christmas gift and take the "Christmas Budget Challenge" and enjoy your Christmas without the suffering the Christmas Blues.

There are two parts to the Christmas Budget Challenge:

1. Put in place a strategy that will help you survive Christmas with as little pain as possible.

2. Put in place a strategy that will give you a plan to enjoy your next Christmas. This plan will also run itself without you even thinking about it.

Let's start by putting in place a plan that will hopefully make this Christmas a little easier on your hip pocket:

1. Have a look at your finances and set an upper limit that you can afford for your Christmas spending. Allocate a certain amount to Gifts and a certain amount to other Christmas expenses. This is the start of your Christmas budget.

2. Leave the credit card at home and pay for Christmas with money wherever possible.

3. Keep track of all your Christmas spending. A good way of doing this is by carrying a small notebook and pencil and writing your purchases in it.

Gift Buying

4. Call your relatives and agree that Gifts will only be purchased for the children

5. Take your Christmas Gift budget that was allocated in step 1 and divide it by the number of gifts you need to buy. This number will be the maximum you can spend on each gift.

Christmas Food Shopping

6. Take your Christmas Dinner budget and make a shopping list.

7. When you are doing your shopping use a calculator to make sure you stay within your Christmas budget.

8. Save money by looking for the cheaper priced goods on the top and bottom shelves. Try not to buy items that are on shelves at eye level, these are usually the higher priced items.

9. Try not to buy items that are located in the displays at the end of the shopping aisles, these items are usually more expensive than the items located in the aisles.

10. Compare prices of similar items and buy the cheaper item.

11. Remember that Christmas is only one day a year. You don't have to spend a weeks worth of grocery money on one day.

12. Ask each relative to provide a food dish, drinks or dessert.

As soon as Christmas is over and the pain is fresh in your mind. You need to take action and put in place the second part of the "Christmas Budget Challenge". This next step will ensure that you have enough money for next Christmas

1. Add up all your Christmas expenses including gifts, food and any other costs.

2. Take the total of your Christmas expenses and divide it by the total amount of pays until next Christmas.

3. Open high interest bank account with the following attributes:
- No minimum starting balance
- Interest is accrued daily and billed monthly
- Interest rate on this bank account must be higher than the inflation rate.
- No bank charges

ING Direct and Citibank have an online banking account that may be suitable for your Christmas Budget account.

4. Organize an automatic bank transfer from your bank account to your Christmas Budget account. This transfer will be on each payday for the amount you worked out in step 2. It is important that this is automated because most people will not stick to this plan if it is a manual process.

5. When next Christmas comes around withdraw your money and repeat the process again.

You can get a free excel "Christmas Budget Challenge" spreadsheet from My Wealth Plan. Use this spreadsheet as a template for your Christmas Budget,

This plan is very simple and surprisingly effective and you will be able to enjoy your next Christmas without the suffering the Christmas Giving Blues.


photo credit: Tony the Misfit

6 Great Online Christmas Shopping Tips

photo credit: Fosforix

Christmas shopping is no longer confined to the local mall or an annual catalog that happens to find it‘s way into your mailbox. Thanks to advanced technology, there is literally a whole world of shopping at your fingertips. The internet has revolutionized the way people shop and, besides, what better way to do your Christmas shopping than from the comfort of your own home. No longer must we suit up and weather the harsh winter days in the hopes of checking a few names off of our Christmas list. The store aisles, as we know them, are crowded and hectic.

But now, many store aisles are becoming virtual, a shopping cart is something you fill with images of a product and a checkout is something that you click on to confirm your order. Things have changed a lot in the past years and I wonder how many of us couldn’t even imagine what life would be like without the convenience of shopping on the internet. There are several tips for online Christmas shopping, which can make the experience a smooth and pleasant one.

Online Christmas Shopping Tip #1: Be prepared

It’s a good idea to start your shopping with a complete list. This will save you both time and money with having to go back and place a separate order later on. With most online stores, you pay a flat shipping fee. In some cases, if you spend a certain amount of money on your order, the shipping and handling fee is waived. It’s always best to get everything you want, all at once, to save on shipping. Before you commit to buying from one store, shop around and compare prices on both the product and shipping.

Online Christmas Shopping Tip #2: The early bird gets the gift

If you want to get the best selection, begin your holiday shopping early. Internet stores generally carry large quantities of every item, but even they can sell out. As Christmas draws near, it becomes more difficult to find the exact item that you’re looking for. There’s nothing like finding the perfect item and seeing the words, ‘Sold Out’ written under the price.

Online Christmas Shopping Tip #3: Shop Safe

When ordering anything online, check product reviews if available. Always shop secured websites because you will be entering your credit card, or banking information, for payment. You don’t want your financial information accessed by anyone else, which is why all secured websites let you know how they protect your data.

Online Christmas Shopping Tip #4: Wrap it up

If you’re like most, there’s not a lot of extra time around the holidays. If you need to save some time on wrapping, most online stores offer a gift wrapping service for a small fee. At some point during the ordering process, you may be asked if you would like to add gift wrap or a name tag. It’s as easy as the click of a button, which is much easier than trying to tie the perfect bow.

Online Christmas Shopping Tip #5: Check Delivery Dates

When placing your order, check to make sure that the item is in stock or will be delivered in time for Christmas. Many times, especially near the holidays, items will go on a backorder status. It’s not uncommon for an advanced order item to have a delivery date of January, so be sure to check the status of the items in your shopping cart, along with their expected delivery dates. Not only that, but it’s also a good idea to check on the company’s shipping policy and delivery time for in-stock items.

Online Christmas Shopping Tip #6: Christmas Cards?

With all the stuff going on in December it's easy to forget to send out Christmas cards to family and friends. But if you forget to send traditional Christmas cards in time all is not lost. In fact, there are some great sites and services online that will send your christmas cards out for you (saving you precious time). You can find services that are both free and paid, and services that send both digital and tradition paper Christmas cards.

6 Christmas Shopping Tips You Must Know

photo credit: mysza831

There are a variety of opportunities for holiday shoppers, including stores, catalogs and the internet. Below are 6 Christmas Shopping tips that should:

Christmas Shopping Tip #1: Shop Early

If you’re heading out to the mall this year, have your shopping list ready. It’s a good idea to shop early in the season because, if you wait too long, that perfect gift may already be under someone else’s tree.

Christmas Shopping Tip #2: Be Polite

Always remember to be polite. The holidays are extremely busy and store employees are working overtime, so be patient as you wait for assistance.

Christmas Shopping Tip #3: Layaway

If you have a big list, but not quite a budget to match, consider a layaway. Many stores offer a convenient layaway plan, which would allow you to make payments up until Christmas. It saves you from having to charge up credit card bills or spend a lot of pocket money all at once, so consider a layaway if you have a big shopping list.

Christmas Shopping Tip #4: Shop Online

If you do decide to shop on the information superhighway this year, it will save you a lot of time standing in line at the mall. You can literally shop worldwide with the click of a button. Browse photos, compare prices, read customer reviews and see a huge variety of products without having to leave home. Best of all, in some cases, you won’t even have to pay sales tax on internet orders. Some stores offer free shipping, quantity discounts and all kids of other incentives to lure you into their site. In addition, several televised shopping networks have websites in which they offer an easy payment program on select items. This means that you make one payment, using a credit/debit card, and the product ships out to you immediately. The remaining payments are billed to your credit card, until the item is paid in full, for the specified number of months.

Christmas Shopping Tip #5: Place Your Catalog Orders Early

If you’re shopping from a catalog this year, be sure to place the order early. The most popular items sell out first, so get your order placed and on its way as soon as possible. There’s no need to wait for a catalog to arrive in the mail because you can log on to the internet and find many catalog companies online with product photos, descriptions, size charts and special ‘internet only’ sale prices.

Christmas Shopping Tip #6: Buy in Bulk

If you have a lot of people to buy for, and aren’t exactly certain of their taste, consider buying in bulk. You can purchase a nice package of scented candles, divide them up into multiple gifts and present them with a beautiful bow wrapped around the glass jar. These types of gifts are ideal if you have teachers, doctors, co-workers or other special people that you want to wish a Merry Christmas. Another terrific idea is to purchase small Christmas tins and several bags of assorted miniature candies. Divide the candies up into each tin and present them with a beautiful bow on top. These are ideal gifts because they are thoughtful, but also budget conscious. You can purchase a pre-designed tin similar to the one described, but you will get a much better deal if you make your own. As an added bonus, you get to decide which candy to include, which isn’t always the case with pre-packaged gifts.

Happy shopping!

Money At Christmas - Surviving The Festive Period Without A New Year Financial Hangover

photo credit: hlkljgk

Money always seems to be tight. Every year at Christmas the financial situation always seems to get worse. Increased electricity and heating bills to pay, expensive party food to purchase, presents to buy, travel costs to visit relatives, the list seems to be endless, while finances are certainly not. It is the season to be jolly, whilst trying to forget the long-term costs which will emerge in the New Year.

What can be done to reduce the New Year financial hangover?

Firstly, ensure your incoming finances are being maximised.

If you are in work, is there any part time or freelance work that you can do? Often jobs such as supermarket shelf stacking can be made to fit in around other commitments, while websites such as Dobiz ( http://www.dobiz.net ) have started springing up to get freelancers and businesses together. Selling on eBay or simply returning unwanted gifts can help recover some of your own expenditure.

If you are not working, then obtaining a job is the most important thing to do. Use the facilities that are available. The Jobcentre can provide some help, but it is frequently better to sign up with several agencies who specialise in your own area of expertise. A quick geographically based Google search will normally locate appropriate organisation in your area. As well as using specialist agencies, it is always a good idea to sign up to a couple of general agencies in order to get some form of temporary work, as these can often provide short or long term contracts to keep your finances above water, and they can be given up without much of a period of notice and they look better on a CV than a period without any work at all. If you need help with CV’s or interviews, then internet searches can provide many sites that will be able to help, like Capita ( http://www.capitapd.co.uk ) or Jobseekersadvice ( http://www.jobseekersadvice.com ).

Regardless of your employment situation, you also need to maximise the money you have already. If you are using store cards to make your purchases, don’t. Unless you always pay off the entire balance every month, you will be paying more than you have to. Store cards usually have a very high rate of interest, and you should be able to get a much better rate if you use a credit card. If you are using a credit card to make most of your purchases, what is the APR of that card, and could you get a better rate? Many credit cards currently offer introductory 0% transfer rates, and the increased competition to handle your finances is leading to lower APRs all round. If you have a loan, could you get a better deal? Are you getting the best return on your investments? Comparison websites like Moneynet ( http:www.//moneynet.co.uk ) or Fool ( http://www.fool.co.uk ) are there to enable you to check these details for free, quickly and easily, in order to make your money work for you.

The next thing to do is to try to reduce your outgoings. Budgeting is a good way to reduce costs. By highlighting how much your regular incoming and outgoings are, it is often easy to spot areas that can make huge differences. Most people find that instead of having very little money to spend each month, they are actually frittering away small amounts all the time. This pattern of small spending rapidly mounts up, and can leave little left over to spend on the things that you feel are really worthwhile. Keeping a daily record of your spending is a simple step to take but it can also show where important cuts can be made.

Other ways to reduce costs at Christmas include recycling last year’s decorations, only buying food that will be eaten, rather than obtaining large quantities that will end up being thrown away. Do most of your shopping online to save money on presents. Due to the lower costs of running a shop online, the price of goods can be considerably lower than in the High Street. Sites such as Kelkoo ( http://www.Kelkoo.co.uk ) and Pricerunner ( http://www.pricerunner.co.uk ) enable you to compare prices from various suppliers and find the cheapest. Even if you prefer to buy on the High Street it can still be worth going armed with prices from these sites as many High Street shops will discount if they know they are beaten on price.

If you don’t win the lottery in the New Year and still feel that things have got out of control then you need to seek advice from one of the free advice organisations that are set up to help. The National Debtline ( http://www.nationaldebtline.co.uk ) and the Foundation for Credit Counselling ( http://www.cccs.co.uk ) are two non-profit making charities that can help with guides and free personal advice.

Regardless of whether you are trying not to shed those few extra pounds, or recover from debt problems, a few small actions like this can make a large difference to your New Year.

Disclaimer:
All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.