Disclosure: This post contains affiliate links at no cost to you. I need to save for Christmas too! My kids want all electronic things now.
Christmas tends to sneak up on a lot of us. Obviously we know it’s coming, but there isn’t always enough money once we start thinking about doing our shopping. While some people can spread their shopping out and have it done by Memorial Day, I’m not one of those people. I like to wait until November at least. I do my best to save up during the year though. I posted a picture on Instagram in December when I was shopping at Target and everyone was amazed and wondering why they hadn’t thought of it. I’m here to tell you.
Target Gift Cards
You know how Target always has those deals where you get a free $5 or $10 gift card when you buy like three household items or two boxes of diapers? I tend to buy all my toiletries and household stuff like toilet paper and laundry detergent when they have these deals. I stock up and save the gift cards for Christmas shopping. I normally have about $125 to spend. No, it won’t cover all your shopping, but it’s helpful and will make a dent in it.
There are so many money making apps out there. I use a variety of them and normally let my money build up, then cash out close to the holidays. These apps are all legit and mostly involve coupons. There have been many that I’ve tried and never gotten anywhere with, but these are all ones I’ve been using for years.
Ibotta – coupon app and the best one out there in my opinion. I’ve made $754.35 in less than four years.
Saving Star – another coupon app. If you have a reward card from a grocery store, you’ll automatically get the savings without having to upload your receipt. I’ve only made about $100 with this one.
Checkout 51 – yet another coupon app. I’ve made about $70 with this one.
MobiSave – more coupons. This one is different in that it automatically transfers the money to your PayPal account. There isn’t any waiting to cash out. I haven’t had this one very long, but so far so good.
Shopkick– this one is different. Open the app when you walk into stores and you’ll get kicks. These can be cashed in for gift certificates. They also give kicks for buying certain items and scanning items in store.
Walmart Savings Catcher – if you shop at Walmart, download their app if you haven’t already. Upload your receipts and they’ll scan them to see if there are lower prices at any surrounding stores. If there are, they’ll give you the difference back. This goes onto a gift card that you can then use anytime.
Ebates – use their app or their website, but go through them when you shop online. I go through them to buy movie tickets on Fandango and for all my travel, plane tickets, hotels, rental cars, etc. I’ve made over $30 just this month in cash back.
You may not think you can afford to save for Christmas. I beg to differ. Most of us can easily part with $20 a month or a paycheck. Take the cash and stash it in your underwear drawer or have it automatically transferred to savings account every time you get paid. You won’t even miss it. Heck, start saving all your change and cash it in before you start shopping. You’d be amazed at how fast change adds up. There are plenty of apps out there to help track your spending and savings.