Fortunately, there are ways to remedy this problem! TADAAA INTRODUCING:

It shouldn’t be a chore but an enjoyable experience! One thing to remember though is to NOT blow your budget and fall into debt. You don’t want to end the season and start the new year with maxed out credit cards.

2. Consider giving group gifts – family gifts, couple gifts, etc. 

This will allow you to save money rather than shopping for each person on your list. Also, consider pitching in for a group gift. For example, you can give your parents a new appliance or even a service at a spa and divide the among your siblings or whoever is willing to pitch in.

3. As much as possible, pay with debit card instead of credit cards. 

Debit is just spending what cash you have right now while credit cards can end up costing you more if you don’t pay them in full because of interest rates.

4. If you intend to use credit cards, use the one that offers the lowest interest rates.

5. Take advantage of catalogue shopping.

Catalogue shopping web site offer a wide variety of products, allowing you to do all your Christmas shopping in one place, in the comforts of your home, anytime of the day. They also let you open a credit card exclusive to their site as well, giving you the option to finance payments on an installment basis. You can easily spread payments monthly, at a fixed (lower) interest rate. This will allow you to spread out your budget and give room for spending without breaking the bank. 

Since your credit line is exclusive with them, you can also opt to avail of their “Buy Now & Pay Later” offer – another opportunity to map out and plan your Chistmas shopping budget better. Application is easy, approval moreso. People with bad credit history still can get approved, albeit with a lower credit limit at first with the chance of having it lifted if they are able to make timely monthly payments.