Gift Gopher Smart Money Tips

Gift Gopher
Smart Money
Tips

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How would you like to increase your income by 20%? Considering combined federal,
social security, state and other taxes, this will give you about 10% more to spend. Or if you
can't earn more, just shop wisely and save 10% directly. The ideas below and the other
pages of this website can save you money and get more value from your shopping dollar.

Tip

Gift Gopher Tips for Smart Shopping

Plan Make a list with a spending limit. Then assign costs to each item and see if it all adds up.
Remember to include travel and shipping. Work your list until you feel comfortable.

Discount Visit a discount, thrift or 99 Cent store and find some real bargains.
This can make up for the inevitable cost overruns on other items.

Debt Don't borrow money to buy gifts. Credit cards are borrowed money unless you pay
them off promptly. Everyone knows 18% interest is a terrible hardship.

Cookies Not all gifts need to be forged in Silicon Valley. Think about making your own gifts.
If you normally make cookies, fudge or treats for your own use, make extras for gifts.

Practical Choose practical gifts along with the trendy toys and fickle fashions. If last year's
model was fine for last year, why shouldn't it make a good gift for this year?

Sales Not everything marked as a bargain is really a bargain. Sales are often just gimmicks to
move product. Leave enough time to comparison shop and consider shipping costs.

Reason Remember to celebrate a holiday for what it truly means.
Gifts are only a small part of any special occasion.

Tip	Gift Gopher Tips for Smart Shopping
Plan	Make a list with a spending limit. Then assign costs to each item and see if it all adds up. Remember to include travel and shipping. Work your list until you feel comfortable.
Discount	Visit a discount, thrift or 99 Cent store and find some real bargains. This can make up for the inevitable cost overruns on other items.
Debt	Don't borrow money to buy gifts. Credit cards are borrowed money unless you pay them off promptly. Everyone knows 18% interest is a terrible hardship.
Cookies	Not all gifts need to be forged in Silicon Valley. Think about making your own gifts. If you normally make cookies, fudge or treats for your own use, make extras for gifts.
Practical	Choose practical gifts along with the trendy toys and fickle fashions. If last year's model was fine for last year, why shouldn't it make a good gift for this year?
Sales	Not everything marked as a bargain is really a bargain. Sales are often just gimmicks to move product. Leave enough time to comparison shop and consider shipping costs.
Reason	Remember to celebrate a holiday for what it truly means. Gifts are only a small part of any special occasion.